Afford Anything | Make smart choices about your money, time and productivity

Paula Pant – Entrepreneur, investor, and world traveler (40+ countries). Self-proclaimed nerd


You can afford anything, but not everything. We make daily decisions about how to spend money, time, energy, focus and attention – and ultimately, our life. Every decision is a trade-off against another choice. But how deeply do we contemplate the...Show More

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The Alter Ego Effect, with Todd Herman

1:09:25 | Mar 25th

#184: In 2003, Beyonce Knowles-Carter felt shy about performing sultry lyrics and dance routines on stage. She needed a tactic to overcome her nerves and stage fright. So she created an alter ego, Sasha Fierce, to bring out her more assertive side. B...Show More

Ask Paula: Should I Sell My Rental Property to Pay Off My Student Loans?

1:18:26 | Mar 18th

#183: Should a newlywed couple with two cash flowing rental properties sell one to pay off $92,000 of student loan debt? What percentage of your portfolio should you have in rental properties? What's the smartest way to approach rental property inves...Show More

Thirteen Dumb Mistakes Smart People Make with Their Money - with CBS News analyst Jill Schlesinger

1:13:33 | Mar 11th

#182: Millions of smart, educated and successful people make dumb mistakes with their money ... and they don't realize it. I'm not talking about obvious dumb mistakes, like spending 85 percent of your income on a fleet of Ultra-Luxe-Fancymobiles for ...Show More

Ask Paula: How Should I Plan a Mini-Retirement?

1:06:46 | Mar 4th

#181: Imagine that you’re going to take a 6-month to 9-month mini-retirement. How should you plan? What should you do? Sure, you’ll need to have enough savings to cover your expenses. You might want to find some part-time work. You may need to sell o...Show More

The Million-Dollar, One-Person Business, with Elaine Pofeldt

1:14:02 | Mar 1st

Nearly two decades ago, Stacy Berman launched a fitness bootcamp in New York City: Stacy’s Bootcamp. After six years, Stacy’s Bootcamp grossed more than $1 million. The company had zero employees; the other teachers were contractors. Stacy is o...Show More

Ask Paula: We Want to Start Househacking in a Duplex. Should We?

57:37 | Feb 25th

#179: Should a couple in New Orleans sell their single-family home and use the sale proceeds to househack into a duplex? What do you think about turnkey investments? What tax consequences will someone face if they transfer their property to their par...Show More

How to Make Work Optional, with Tanja Hester

1:07:25 | Feb 18th

#178: Tanja Hester retired at age 38. She had a negative net worth until her late 20's, thanks to a combination of student loans, buying expensive cocktails and clothes, living far beyond her means, and not paying attention to her money. If you were ...Show More

Ask Paula: Should I Buy a House or Catch Up on Retirement Savings?

1:04:30 | Feb 11th

#177: Imagine that your job is extremely well-paying, but you don’t enjoy it. You’d like to switch employers, even though this will probably require a paycut. But before you make the switch, you want to accomplish two goals: buy a home and catch up o...Show More

Digital Minimalism - with Dr. Cal Newport

1:22:20 | Feb 4th

#176: Cal Newport created a philosophy called digital minimalism, which is idea of reducing your digital life down to only the most important core essentials. Remove the apps from your phone, then slowly re-introduce only the ones that are the most u...Show More

Three Percent is the New Four Percent - with Larry Swedroe, Retirement Planning Expert

1:17:00 | Feb 1st

#175: Larry Swedroe is one of the most respected investment thinkers and writers of our time. He's published 8 books on investing, including one of the first books to explain the science of investing to a layperson audience. He recently wrote an ultr...Show More

Ask Paula: I'm 48 and Retiring Next Year. Should I Buy More Rentals?

1:14:00 | Jan 28th

#174: Should a 48-year-old New Yorker who’s retiring next year buy more rental properties? Should a Michigan-based first-time homebuyer use an FHA loan to buy a duplex for $135,000 that rents for $1,800 per month? Should a 40-year-old music p...Show More

When a Child of Financial Chaos Stumbles into Adulthood - with Paulette Perhach

1:26:49 | Jan 21st

#173: Paulette Perhach is a journalist who has been published in The New York Times, Slate, ELLE, Marie Claire, and Cosmo. But we’re not going to talk about that today. We’re going to talk about the fact that she’s made every decision by putting her ...Show More

Ask Paula: Should I Buy a Nice Car or Save My Money?

1:12:24 | Jan 14th

#172: Should a 25-year-old homeowner with healthy savings and no debt (other than his mortgage) upgrade his car? Should he make this choice if his current car is fine, and upgrading puts him into new debt? Should a couple without access to an employe...Show More

#171: The biggest study of everyday millionaires in 25 years - with Chris Hogan

1:31:50 | Jan 7th

#171: Chris Hogan surveyed 10,000 millionaires in the United States. Here's what he discovered: - 89% of millionaires have a net worth between $1 - $5 million dollars - 62% graduated from public state schools - 73% never had a penny of credit ca...Show More

#170: Ask Paula - When Should I NOT Use the One Percent Rule for a Rental Property?

58:21 | Jan 4th

When should you NOT use the one percent rule for rental property investing? In today’s episode, I encourage two callers to violate the One Percent Rule for real estate that they already own. WHAAATTTT? Why would I say that? Especially given that I’ve...Show More

#169: One Tweak a Week in 2019 -- Easy Improvements to Your Financial Life in 2019

1:06:02 | Dec 31st, 2018

Happy New Years! To kickoff 2019, we've created a free book called One Tweak a Week, outlining 26 easy, actionable ways that you can improve your financial life. Each tweak takes less than one hour (some are as quick as five minutes), and taken t...Show More

#168: How to Optimize Your Time and Energy -- with Mike Vardy, The Productivityist

1:04:00 | Dec 24th, 2018

You can do anything, but not everything ... and definitely not everything at the same time. How can you eliminate distractions? Can you train yourself to pay attention to important tasks, rather than getting distracted by time-wasters? Product...Show More

#167: Ask Paula: Should I Pay Off Student Loans While in School?

1:20:33 | Dec 17th, 2018

Angelisa is a college senior with $30,000 in student loans. She has a part-time job, from which she’s saved $2,500. Should she keep saving money, or should she get a headstart on paying down her student loans while she’s in school? I answer this a...Show More

#166: Everything I Learned About Money Came from My Grandmother - with Michelle Singletary of the Washington Post

1:08:55 | Dec 10th, 2018

Michelle Singletary learned everything she knows about money from her grandmother. Well, okay, I shouldn't say "everything" that she knows. After all, Michelle also has an MBA from Johns Hopkins University. She  writes about personal finance f...Show More

#165: Ask Paula - Should I Invest in Index Funds or Rental Properties?

55:20 | Dec 7th, 2018

Should Kim, an entrepreneur, invest in index funds or rental properties? Should Nick, an MBA student, househack into a more-expensive home with stronger cash flow, or a cheaper home with more budgetary wiggle room? Should Kelly, who is gettin...Show More

#164: How and Why I Took a Mini-Retirement, with Bob Lotich

1:06:50 | Dec 3rd, 2018

Bob Lotich joins us on the Afford Anything podcast to discuss why and how he took a mini-retirement, and to offer advice to anyone (whether traditionally employed or self-employed) who might want to do the same. For more information, visit the sho...Show More

#163: Ask Paula - The Future of Index Fund Investing

1:03:15 | Nov 26th, 2018

Does my employer match count against my 401k contribution limits? Should I invest in a Traditional or Roth TSP? Should I invest more aggressively in stocks right now, or should I hold cash and bonds until the next downturn? Should I get a mortgage or...Show More

#162: AI and The Future of Jobs - with author Darrell West

56:31 | Nov 19th, 2018

How will artificial intelligence, AI, impact jobs? Former Harvard president and leading economist Larry Summers predicts that one-third of men will be out of work by 2050. Finance guru Suze Orman says not to be surprised if we see 25 percent unemploy...Show More

#161: Ask Paula - How Can I Get My Friends Interested in FIRE?

1:07:01 | Nov 12th, 2018

Matt is interested in achieving financial independence, and he wants to encourage his friends to pursue the same goal. What podcast episodes provide a light, digestible introduction to the world of financial independence and retiring early? Daniel wo...Show More

#160: The Paradox of FI -- with Jonathan Mendonsa and Brad Barrett of Choose FI

1:17:50 | Nov 5th, 2018

When Jonathan Mendonsa was 18, he researched which college degrees lead to the highest income. Pharmacy was near the top of the list of high-paying degrees, so Jonathan decided to become a pharmacist. He wasn't motivated by passion or calling. His de...Show More

#159: Ask Paula - I Have Three Kids and I'm Hoping for Financial Independence

59:00 | Nov 2nd, 2018

Should a 36-year-old father of three invest primarily in Traditional or Roth retirement accounts? Should Rose, a grandmother of four, open a Vanguard account for each of her grandchildren? Should Nancy, who lives overseas and is the sole breadwinner ...Show More

#158: What I Love About the FIRE Movement - with Clark Howard

1:09:39 | Oct 29th, 2018

Clark Howard loves the FIRE movement. That's because he's one of us. Clark began investing in real estate at age 22, started a travel agency at age 25, and retired at age 31. He sold his travel agency, moved to the beach and relaxed for four years; t...Show More

#157: Ask Paula - Can You Force a Rental Property to Cash Flow?

57:37 | Oct 22nd, 2018

We're back with another Ask Paula - Real Estate Edition of the show! In this episode, we cover down payments, cash flow, investing in condo hotels, building a rental on the side of your own house, selling your properties, and whether it's better to b...Show More

#156: How to Build Incredible Habits - with James Clear

1:28:28 | Oct 15th, 2018

James Clear wanted to start flossing, but he never managed to follow through. Despite his best intentions, his dental floss sat unused in a bathroom drawer. Fortunately, James had learned a thing or two about human behavior and habit formation. As a ...Show More

#155: Ask Paula - How Can I Send My 4 Children to College?

1:08:48 | Oct 8th, 2018

How can a schoolteacher dad and stay-at-home mom send their four kids to college? Where should a 23-year-old keep the savings that she’s accumulating to buy a home by the time she’s 27 or 28? What should we know about retirement planning if we have a...Show More

Suze Orman Says $2 Million is Nothing; You Need $10 Million to Retire Early. Internet Explodes

1:01:11 | Oct 5th, 2018

Want to retire early? You'll need at least $5 million, more likely $10 million, says famous financial personality Suze Orman. I should know. She said that to me, directly, on my podcast. I asked Suze for her opinion about a frugal, flexible person wh...Show More

#153: Why I Hate the FIRE Movement, says Suze Orman

1:18:47 | Oct 1st, 2018

A few weeks ago, Suze Orman's team reached out to me and asked if I'd be interested in chatting with Suze on my podcast. "Um, duh," I replied. Sure Orman is one of the most famous voices in the world of personal finance. From 2002 to 2015, she hosted...Show More

#152: How to Make Better Decisions -- with Dr. Brian Portnoy

1:12:33 | Sep 24th, 2018

Dr. Brian Portnoy is an expert in making decisions. He holds a Ph.D. from the University of Chicago, he's a Chartered Financial Analyst, and he's the Director of Investment Education at Virtus Investment Partners. Dr. Portnoy joins me on the podcast ...Show More

#151: Ask Paula: "I Feel Like I Don't Deserve My Success. What Should I Do?"

1:01:00 | Sep 17th, 2018

We’re back with another “Ask Paula” episode of the show! As usual, my friend and former financial advisor, Joe Saul-Sehy joins me in answering your questions! Let’s dive right in. Hailey: I just graduated from college with a major in Computer Science...Show More

#150: How I Reached Financial Independence through Real Estate - with Chad Carson

1:11:00 | Sep 10th, 2018

Chad Carson's friends called him a "nerdjock." When former college football linebacker Chad Carson graduated from Clemson University, he decided to start a business. But he didn't have any money. He was a 235-pound athlete who attended college on a f...Show More

#149: Tell Me About Something That Scared You - from Camp FI

1:10:50 | Sep 7th, 2018

Welcome to the September 2018 First Friday bonus episode! We recorded this episode at Camp FI, which stands for Camp Financial Independence. It's a gathering of people who are pursuing financial independence; we spend a few days eating, drinking, an...Show More

#148: Ask Paula - Should I Sell My House and Invest the Equity?

1:03:12 | Sep 3rd, 2018

Welcome to a special episode of Ask Paula! Today I’m answering questions about real estate investing, and I’ve brought a special guest on the show to join me. His name is Lucas Hall, and he’s a landlord with 5 properties in three locations (D.C., Vir...Show More

#147: How to Believe Your Time is Abundant -- with Laura Vanderkam

1:04:14 | Aug 27th, 2018

Which of the following two attitudes describes you? "I'm crunched for time." -- or -- "I have all the time in the world." I'm guessing your answer is the first, rather than the second. But what if you could feel like your time is expansive and abunda...Show More

#146: Ask Paula - Where Should I Keep My Money if I Want to Retire Early?

1:04:15 | Aug 20th, 2018

My friend and former financial advisor, Joe Saul-Sehy, joins me to answer a multitude of questions on retirement savings and investing, so let's dive in. Elyse has two questions: 
#1: Through her job, Elyse has a 401(a) hybrid. Right now, she contrib...Show More

#145: How I Paid Off $500,000 in Credit Card Debt, then Launched a Company with $35 Million in Annual Revenue -- with Rand Fishkin, Founder of Moz

1:07:50 | Aug 13th, 2018

When Rand Fishkin was 25 years old, he carried $500,000 in credit card debt. Less than a decade later, Rand was the Founder and CEO of a company that grossed $35 million in annual revenue. In this podcast episode, Rand shares the story of hitting his...Show More

#144: Ask Paula - What Do You Think of Real Estate Crowdfunding?

44:35 | Aug 6th, 2018

Today I’m answering your real estate questions! First up, Rich asks: What are your thoughts on real estate crowdfunding versus investing in a traditional REIT and non-retirement account? He doesn’t want to give up the time it takes to manage a rental...Show More

#143: Life After Financial Independence - with millionaire investor Emma Pattee

52:26 | Aug 3rd, 2018

Emma Pattee became a millionaire at age 26. But she hates it when I describe her like that. Here are other ways that Emma would prefer to be known: She's thoughtful. She's hilarious. She's kind. Emma is the child of hippies. She grew up in a tent in ...Show More

#142: How Can We Downsize from Two Incomes to One?

57:17 | Jul 30th, 2018

How can a family of four shift from earning two incomes to one, while still pursuing financial independence? How would a 55-year-old couple with $2 million saved know if they're ready to retire? Can parents use leftover money in their 529 plan to hel...Show More

#141: The Gap Between Knowing and Doing - with Dr. Stephen Wendel from Morningstar

1:13:15 | Jul 23rd, 2018

"I'll get around to rolling over my 401k ... next week." "Eventually I'll switch to a cheaper insurance plan." "I really should move my portfolio into lower-fee funds." "Yeah, yeah, I know I should create an estate plan. I'll do it later." ____ We kn...Show More

#140: Ask Paula - Should I Buy a Rental Property with an HOA?

55:00 | Jul 16th, 2018

Should you buy a rental property that mandates HOA payments? How do you adjust for cap rate over the years, as the property's rent increases with inflation? Should you buy an $88,500 house that rents for $1,250 a month? And can you dive into detail a...Show More

#139: How I Save Half of My Income as a Firefighter, While Living in an Expensive City -- with Kim E.

1:15:16 | Jul 9th, 2018

Five years ago, at age 29, Kim E. started her first professional, salaried full-time job, working as a firefighter for the City of Austin, Texas. She received a starting salary of $42,000. Today, five years later, she has saved: - one year's salary (...Show More

#138: How to Create an Authentic Life

50:41 | Jul 7th, 2018

There’s a famous quote that’s attributed to Henry Ford. The quote says, “If I had asked people what they wanted, they would have said faster horses.”⠀ ⠀ There’s no proof that Henry Ford actually said this. But whether or not that quote is historicall...Show More

#137: Ask Paula: What the F**k are Annuities?

1:13:34 | Jul 2nd, 2018

Today's episode is an annuity sandwich: we answer one question about family and relationships, three questions about annuities, and one question about time management. My friend and former financial planner Joe Saul-Sehy joins me to answer questions ...Show More

#136: How I Bought 20 Houses, Debt-Free, While Serving Overseas in the Military - with Rich Carey

1:16:01 | Jun 25th, 2018

Rich Carey is a military millionaire. He's spent his career in the U.S. Air Force; he's currently stationed in Seoul, South Korea. He was stationed in Germany before this. He'll retire after this. Most of his fellow servicemembers, upon taking a mili...Show More

#135: Ask Paula - How Can I Get a Downpayment for a Rental Property?

54:15 | Jun 18th, 2018

Time to talk about houses! I answer your questions about rental property investing in this week's episode. Our first question comes from James, age 25. He lives in Florida, where he bought a $130,000, 3-bedroom, 2-bath condominium in the Class B rang...Show More

#134: How Radical Curiosity Leads to Innovation in Life and Work - with Shane Snow, founder of Contently

1:14:51 | Jun 11th, 2018

We often peek inside the world of business to look for lessons about how to simplify, optimize and innovate. But what can we learn when we examine world-class people who are hacking the system in any field -- including sports, politics and music? Wha...Show More

#133: Ask Paula and Joe -- How to Give More to Charity While Also Building Financial Independence

57:21 | Jun 4th, 2018

Andy from Michigan loved the episode with charity:water founder Scott Harrison. After the episode, he and his 6-year-old daughter started watching videos about charity:water, and now they're both inspired to give. Andy's question is on the topic of g...Show More

#132: Ask Paula - I'm Six Years Away From Financial Independence, But I Want to Quit Now

36:31 | Jun 1st, 2018

BONUS EPISODE!! On the first Friday of the month for the remainder of the year, I'm rolling out an additional bonus episode. As you know, this podcast airs weekly on Mondays. I'm thinking about maybe -- MAYBE -- expanding the podcast to twice-a-week....Show More

#131: How We Slashed Our Costs 70 Percent and Gained Happiness -- with Scott Rieckens

1:10:40 | May 28th, 2018

Scott Rieckens and his wife Taylor enjoyed a classic Southern California lifestyle. They lived near a gorgeous beach in sunny San Diego. They frequently dined at sushi restaurants. They drove a BMW. But after the birth of their daughter, everything c...Show More

#130: Ask Paula - Should I Sell Stocks to Buy a Rental Property

58:45 | May 21st, 2018

Anna and Dave want to get married ... eventually. But they want to buy a rental property together first. How should they approach this from a paperwork/legal structure standpoint? This is just one of the listener questions I play and address in t...Show More

#129: How I Paid Off Thousands in Credit Card Debt - with Laura Adams, from Money Girl Podcast

57:01 | May 14th, 2018

Laura Adams grew up in an upper-middle-class family in South Carolina, and her parents supported her through college. She attended her top-choice school, met her husband while they were still students, and enjoyed a charmed life. When she graduated, ...Show More

#128: Should I Choose a Roth vs. Traditional IRA and 401k for Early Retirement?

1:11:12 | May 7th, 2018

Antonia, 27, wants to retire in 15 years. She's trying to figure out whether to contribute to pre-tax or after-tax retirement accounts. Most financial advice for 20-somethings that she's encountered says to contribute to after-tax (Roth) retirement a...Show More

#127: Four Unhealthy Attitudes Towards Money -- with Dr. Brad Klontz, Financial Therapist

1:06:21 | Apr 30th, 2018

Most people know what they “should” do — save for the future. Spend less than they earn. Why do so few people follow through? In this episode, Dr. Klontz and I discuss shame, guilt, and how to implement behavioral changes. We talk about how to ...Show More

#126: Ask Paula - Should I Buy a Beachfront Rental Property?

1:04:04 | Apr 23rd, 2018

It's time to answer real estate investing questions! Tom asks: "We're thinking about buying a duplex on a beach in a popular vacation destination in Florida. If the property stays 85 percent occupied as a short-term (VRBO) rental at current rates, th...Show More

#125: How to Gain a Competitive Edge, with Morgan Housel

1:02:01 | Apr 16th, 2018

Morgan Housel has spent thousands of hours reading about investing. As a former columnist for the Wall Street Journal and The Motley Fool, he's spent more than a decade reading, interviewing, thinking and writing about how to manage money. And he's c...Show More

#124: Ask Paula and Joe - Should I Sell My Brand-New Car (and Lose $6,000 in 4 Months)?

1:02:14 | Apr 9th, 2018

Former financial planner Joe Saul-Sehy and I answer five questions about investing, retirement, insurance, travel and selling an expensive car. For a full list of resources mentioned, go to the show notes at

#123: Your Money or Your Life -- with Vicki Robin, bestselling author

1:03:21 | Apr 2nd, 2018

What does life look like a few decades after reaching financial independence? Vicki Robin, commonly referred to as the founder of FI and author of Your Money or Your Life, has a candid discussion with me about life after reaching financial indepen...Show More

#122: Ask Paula - I'd Like to Airbnb a Yurt. Should I?

48:11 | Mar 26th, 2018

Tony lives in Chicago, where the returns on rental properties are so-so. He's thinking about investing in Indianapolis, where he consistently finds rental properties with better cap rates. Should he invest locally, so that he can get a primary reside...Show More

#121: How I Retired at Age 32 - with Liz Thames from Frugalwoods

1:01:22 | Mar 19th, 2018

"Nowhere would hire me," Liz Thames says after graduating college. "I had what I thought was this nice resume, and I sent out over 50 applications. Nowhere called me back." She took a temp job, joined Americorps as a full-time volunteer in a low-i...Show More

#120: Ask Paula - I'm Retiring at 53. How Will Early Retirement Impact My Social Security?

46:00 | Mar 12th, 2018

Roger Whitney, age 51, calls himself The Retirement Answer Man. As a financial planner, investment analyst and podcast host, he focuses on helping Baby Boomers craft a traditional (past-age-60) retirement. Today, he joins me to answer two question...Show More

#119: How Much Can I Spend in Retirement? - with Dr. Wade Pfau

59:53 | Mar 5th, 2018

Once upon a time, in southern California in 1994, there lived a man named William Bengen. He read many claims, widespread at the time, that said that since the markets return at least 7-9 percent compounding rates on average, retirees could withdr...Show More

#118: Ask Paula - How Do I Buy a Foreclosure? - and Other Real Estate Questions

44:01 | Feb 26th, 2018

Today, I’m tackling four queries about real estate investing that come from the audience. Sam wants to work with a specific property manager that only serves a small area. Should that sway where he buys? Terri asks about carry-over losses when...Show More

#117: How to Avoid Killing Your Spouse (and Should You Get Married in the First Place?) - with Farnoosh Torabi

53:45 | Feb 19th, 2018

My friend and financial expert Farnoosh Torabi joins me to answer a relationship & money question from listener Janice.⠀⠀ ⠀⠀ Janice is engaged, and she calls to ask: Should she get married?⠀⠀ ⠀⠀ She earns double what her fiancé makes. She has no ...Show More

#116: Ask Paula -- Help! I'm Underwater on My Car!

1:20:01 | Feb 12th, 2018

Stacy and her boyfriend would like to downsize to one vehicle. But they're collectively $14,500 underwater on 2 car loans. Rachel earns $65k, contributes 20% to retirement, owes $19k on a car loan and $170k on student loans. There are just a fe...Show More

#115: How Dave Ramsey Taught His Kids About Money -- with Rachel Cruze

56:57 | Feb 5th, 2018

Rachel Cruze describes the lessons she learned about saving, spending, budgeting, debt and giving as the daughter of Dave Ramsey. We discuss “Instagram envy” -- the act of comparing your life to someone elses’ -- and how to avoid the traps of cons...Show More

#114: Ask Paula -- How Should I Invest $100K in Real Estate?

58:59 | Jan 29th, 2018

This week, I answer four questions about real estate investing from the audience: Joelle asks, "I can buy a property in cash for $100,000. Should I pay cash for one house (via a home equity loan) or split it into multiple down payments on many ho...Show More

#113: How I Run a Six-Figure Business and Host an Airbnb while Traveling the World -- with Natalie Sisson

55:45 | Jan 22nd, 2018

Natalie Sisson was tired of the corporate world. She wanted freedom, adventure and fulfillment. In 2008, she quit her job and co-founded a tech company -- but soon discovered that running a company felt a lot like having a day job. Two years later...Show More

#112: Ask Paula - How to Convince a Spouse to Invest in Low-fee Index Funds?

49:01 | Jan 15th, 2018

How can I convince my spouse to invest in low-fee index funds? How should my fiancé and I combine our finances? If I'd like to invest in rental properties, should I also buy stocks? Former financial planner Joe Saul-Sehy joins me to tackle these audi...Show More

#111: How We Retired at Age 38 and 41 -- with Tanja Hester & Mark Bunge

55:30 | Jan 8th, 2018

Tanja and Mark moved from pricey Los Angeles to the more affordable North Lake Tahoe. They started automatically saving and investing huge chunks of their paycheck. They crafted detailed spreadsheets, plotting precisely how much they'd need to save b...Show More

#110: Ask Paula -- Get Ready for the Next Recession

50:45 | Jan 1st, 2018

We're kicking off this year on a bright and cheerful note -- with a conversation about the impending recession! Yay! We are living in one of the longest periods of economic expansion in our nation's market history. That's worrisome. How ca...Show More

#109: How to Create a Complaint-Free World -- with Will Bowen

38:31 | Dec 25th, 2017

I thought it would be nice to wrap up this year with a lighthearted holiday episode about the importance of keeping a positive attitude. Will Bowen, my guest on the final episode of 2017 (wow!), started a campaign to motivate people to complain l...Show More

#108: Ask Paula - I Don't Know How to Invest

48:01 | Dec 18th, 2017

Former financial advisor Joe Saul-Sehy joins me to answer audience questions about investing strategies, early retirement, and tax planning. Kim asks about the 4 Percent Withdrawal Rule, Susan wants to know how to use a Roth Conversion Ladder, and...Show More

#107: How Scott Harrison Brought Clean Water to 7.3 Million People

1:09:20 | Dec 11th, 2017

Scott Harrison spent a year-and-a-half in West Africa, where he encountered people with diseases he'd never seen before -- such as cholera, typhoid, dysentery, and fatal cases of diarrhea and dehydration. He smelled the yellow-brown parasitic dirt...Show More

#106: Ask Paula - How to Estimate Repair Costs, File Taxes on Rental Income, and More

1:06:56 | Dec 4th, 2017

#106: Ask Paula - How to Estimate Repair Costs, File Taxes on Rental Income, and More How do you search for rental properties out-of-state? Should I offer a lease-option contract to my friends? How can I estimate repair and maintenance costs? And ...Show More

#105: Life as an Experiment -- with A.J. Jacobs

55:41 | Nov 27th, 2017

A.J. Jacobs is the Editor-at-Large of Esquire Magazine and the New York Times bestselling author of multiple books. His three TED Talks have collectively garnered more than three million views. He describes himself as "a father of three, husband of o...Show More

#104: Ask Paula - How Can I Learn about Money from the People Around Me?

36:36 | Nov 20th, 2017

4 questions from listeners about quitting a depressing job, learning how to ask probing questions, saving for a downpayment, and more. I answer these questions in today's episode. Enjoy! For more, visit the show notes at http://affordanything.c...Show More

#103: Random Smattering of Lessons on Money, Work and Life — plus A Call for Radical Authenticity 

54:01 | Nov 13th, 2017

On today’s podcast, I'm sharing this random smattering of lessons on money and life.⠀ ⠀ 1) Simplify everything 2) Risk = Probability x Magnitude 3) Curate 4) Never delay gratification 5) Know your net worth, relative to your lifetime earnings ...Show More

#102: Ask Paula - Should I Sell My Rental Property and Invest the Proceeds in the Market?

53:56 | Nov 6th, 2017

This week, I'm back to answering listener questions about real estate: Should we continue to rent out our home or sell it? Should we take the proceeds from the sale of our house and put it toward our next home? How can I find a good real estate ...Show More

#101: The Code of Trust, with Robin Dreeke

51:56 | Oct 30th, 2017

Robin Dreeke is former head of the FBI’s Counterintelligence Behavioral Analysis Program. His primary role was to thwart foreign spies and recruit American spies. That's not an easy task. To accomplish this, Dreeke needed to gain people's trust --...Show More

#100: Life After Financial Freedom, with Brandon - the Mad FIentist

54:30 | Oct 23rd, 2017

Over a year-and-a-half and two million plus downloads later, the Afford Anything podcast has hit another awesome milestone: the 100th episode! To celebrate, I recorded this one live from Ecuador with my good friend Brandon, otherwise known as the Mad...Show More

#099: How I Grew BiggerPockets From 0 to 870,000 Members - with Joshua Dorkin

1:00:01 | Oct 16th, 2017

BiggerPockets founder Joshua Dorkin and I have a heart-to-heart about the blood, sweat and tears that's required to start a successful online business. What lessons did he learn along the way? What regrets does he hold? And what advice would he share...Show More

#098: Ask Paula - The Side Hustle Episode

43:01 | Oct 9th, 2017

How much should you invest in a side hustle or side business? How do you know if your side hustle idea is viable? My friend Joe Saul-Sehy from Stacking Benjamins joins me to chime in with his views on building side businesses and two non-side-bus...Show More

There Are More Heroes Than Villains

07:39 | Oct 3rd, 2017

There are more heroes than villains in this world. We have seen a tremendous outpouring of love and support today. Please support the cause that's calling you, whether it's supporting the victims of the Las Vegas shootings, or disaster relief in Puer...Show More

#097: How to Be Awesome at Your Job, with Pete Mockaitis

1:00:45 | Oct 2nd, 2017

How can you be awesome at your job? That's the question that today's guest, Pete Mockaitis, and I tackle on the latest Afford Anything podcast episode. For a comprehensive list from today's episode, go to the show notes at More

#096: Ask Paula - Should I Be an Out-of-State Airbnb Host?

42:15 | Sep 25th, 2017

Today I tackle 4 real estate questions that come from the listeners: Chris is reluctant to buy a duplex because he might move away soon. Another listener wants to know how my worst-performing property would fare if it was my *only* property, a...Show More

#095: Money for the Rest of Us, with JD Stein

54:40 | Sep 18th, 2017

J. David Stein used to manage billions of dollars. He retired at age 46. Now that he's retired, he faces a different challenge: How should he invest his own money? What investing philosophy should he follow in his own life? And what ...Show More

#094: Ask Paula - The Early Retirement Episode

43:22 | Sep 11th, 2017

Early retirement? Yes please. This week, I answer questions from the audience community around early retirement planning, health savings and debt pay-off. I'm interested in early retirement. How can I avoid early withdrawal penalties? How does ea...Show More

#093: The Secret Lives of Introverts - with Jenn Granneman

48:48 | Sep 4th, 2017

Do you enjoy spending time alone? Does your inner monologue chatter constantly? When you were a student, did you sometimes stay quiet even when you knew the correct answer? If so, you might be an introvert. If you'd like to learn how to thrive ...Show More

#092: Ask Paula - How Do I Hire an All-Star Rental Property Team?

36:41 | Aug 28th, 2017

If you're interested in real estate investing, and if you've wondered how to assemble an all-star team, today's episode is for you. I'm hosting another edition of Ask Paula, in which I tackle three audience-submitted questions about building a tea...Show More

#091: How to Spend Less, Earn More and Grow the Gap

46:46 | Aug 21st, 2017

Grow the gap between your income and your expenses: How to tackle the 4 biggest expenses in the average American household budget. Also, I share non-obvious tips on how to trim back on these costs. Enjoy! Paula For more details on this...Show More

#090: Ask Paula -- I'm Tired of Paying Rent. Should I Buy a House?

44:00 | Aug 14th, 2017

Curious about real estate investing? I'm rocking the microphone solo on today's episode, tackling the rental property questions that you -- the listeners -- have asked. For more information, visit the website at More

#089: Imagine You Only Have 10 Years to Live ...

42:41 | Aug 7th, 2017

11 questions about money and life I presented to a crowd of 100+ people at the World Domination Summit. Get Rich Slowly founder J.D. Roth also joins me on this episode to discuss building a fulfilling life. For more information, visit http://affor...Show More

#088: Ask Paula - When is Lifestyle Inflation a Smart Business Decision?

42:00 | Jul 31st, 2017

Former financial planner Joe Saul-Sehy and I answer 4 questions from the Afford Anything community. We chat about how to control lifestyle inflation, how to break up with a financial planner, how to invest your first $10,000, and whether or not se...Show More

#087: Myths about Money - Are Your Ideas Holding You Back?

49:41 | Jul 24th, 2017

In today's episode, I share the first part of this presentation. Today's episode focuses on myths, assumptions and limiting beliefs that we hold around money, work and life. This is the first of a three-part series. In episodes 89 and 91, I'll sha...Show More

#086: Ask Paula - Should I Keep My Properties in an LLC

29:50 | Jul 17th, 2017

Your real estate questions answered! Heather is ready to buy her first rental property and acquire one per year following a buy-and-hold strategy. Salome and her husband are renting out an unused room on Airbnb. Should they buy rental propertie...Show More

#085: How to Make Money without a Job -- with Nick Loper from Side Hustle Nation

1:00:00 | Jul 10th, 2017

Loper joins us on this week's episode to explain how to develop a "side hustle," a small micro-business that provides a supplemental source of income. We talk about tapping into the Sharing Economy, Freelancing / Expertise-Based Businesses, and ...Show More

#084: Ask Paula: No, Really, I'm Asking for a Friend! -- How to Crush $500,000 in Debt

53:11 | Jul 3rd, 2017

This week, Joe Saul-Sehy and I tackle your questions: 1. I'm asking for a friend -- no, really! 2. Young and no kids: Should we buy long-term care insurance? 3. My wife, 4 children and I live in the San Francisco Bay Area. We owe $20,000 on a mi...Show More

#083: This is The Toughest Episode I've Created So Far

38:25 | Jun 26th, 2017

Hey. It’s time we talked. I’ve made many tough decisions in my business. I’ve said “no” to thousands of pitches, turned away countless advertising requests, and made difficult choices about content and tone. And sometimes I don’t know whether or not ...Show More

#082: Ask Paula - How Do You Pick a Rental Property?

39:01 | Jun 19th, 2017

Welcome to another Ask Paula episode! This week, I answer three real estate questions: #1: What criteria do you use when you’re shopping for an investment property? What qualities make you say, “heck yeah I’m buying this!!” — and what qualities make ...Show More

#081: Get Me Out of This Crappy Job! - with Jenny Blake, author of Pivot

48:45 | Jun 12th, 2017

Jenny Blake used to have an enviable job. As a Career Development manager at Google, she enjoyed the perks of a Silicon Valley life, plus the satisfaction of helping people everyday. She co-founded Google's Career Guru Program, and helped countless ...Show More

#080: Joe Says Life Insurance Won’t Make the Headline. But it Did.

47:58 | Jun 5th, 2017

Chris, age 30, makes $200,000 per year and saves 50 percent of his income. What accounts should he use in order to maximize his tax benefits? Dee, age 39, is getting tired of apartment living. She found a great neighborhood in which she'd like to ow...Show More

#079: How I Bootstrapped a $4 Million Company, with Laura Roeder

59:00 | May 29th, 2017

When Laura Roeder was 22, she quit her job to become a full-time freelancer. She earned $30,000 in her first year as a freelancer; $60,000 in her second year. Ten years later -- (Laura is now 32) -- her company earns $4 million in annual revenue. ...Show More

#078: Ask Paula (and Will) - How Technology is Changing the Future of Real Estate Investing

51:33 | May 22nd, 2017

Imagine that you're looking for a rental property. It's a warm Saturday afternoon, and you decide to cruise through a few open houses in the area. Your autonomously-driving electric vehicle pulls into the driveway. Your wifi-enabled contact lenses a...Show More

#076: Ask Paula - How to Handle an Inheritance, Should I Invest in Properties or Start a Business, and More.

1:00:05 | May 8th, 2017

This week, my buddy Joe Saul-Sehy joins me to answer another round of listener-submitted questions. A listener from California asks: My husband and I will be inheriting money, which we plan to invest in index funds. We believe that our inheritance w...Show More

#075: Jen Sincero says she used to be a "grouchy broke person"

56:16 | May 1st, 2017

In her early 40's, Jen lived in a converted garage, buried in credit card debt and scrounging for spare change. She was the type of person who'd join her friends at a restaurant for dinner , order nothing except tap water, and fill up on the complime...Show More

#074: Ask Paula - How to Repay $50k in Student Loans on a $31k Income, What's the Deal with Bonds, and Do I Really Need Insurance

1:06:31 | Apr 24th, 2017

Former financial planner and friend of the show, Joe Saul-Sehy from Stacking Benjamins, joins me to answer the following listener questions: Kicking off today's episode, Nicky asks: I'm young and healthy. My car is old and not-worth-much. And my pe...Show More

#073: What Chess Taught Me About Making Smarter Life Moves -- with Steve Gossett

1:07:56 | Apr 17th, 2017

Last January, I went to a party at a trailer park that featured a huge bonfire, a few llamas, and a member of Public Enemy. (I realize that sounds like the setup to a joke. Welcome to my life.) While I was there, I met a former competitive chess pl...Show More

#072: Ask Paula -- Should I Loan Money to Friends? Stay Sane While Repaying Debt? ... and More

49:00 | Apr 10th, 2017

Spaghetti is a major part of my life. I eat it, of course, as many people do. I also spill it all over my pants, despite the fact that I’m 33 and should’ve learned the rules of gravity by now. But most importantly, I use spaghetti as a metaphor for...Show More

#071: Can I Retire Yet? - with Roger Whitney, the Retirement Answerman

1:01:01 | Apr 3rd, 2017

Roger Whitney is known as the "retirement answer man." "All I think about, all day long, is how to make that [retirement] transition successfully," he says. But he holds a dirty little secret. "I don't believe in retirement. And the most successfu...Show More

#070: Erin Lowry on Raising Children Who Are Enabled, Not Entitled

1:01:31 | Mar 27th, 2017

Erin Lowry, author of Broke Millennial, talks about the early childhood scripts that we learn about money. Why is this topic important? Well, if you're a parent, you want to set a good financial example for your child to follow. Giving them the righ...Show More

#069: Ask Paula - The Real Estate Edition

1:05:41 | Mar 20th, 2017

So many Afford Anything listeners have great questions about real estate investing. That's why this episode of Ask Paula is dedicated to answering them. Our first question comes from Ade, who has $25,000 to invest in real estate and lives in the Bay...Show More

#068: Ask Paula - How to Invest Your Tax Refund, Save for College, and Avoid Massive Pitfalls

1:06:01 | Mar 13th, 2017

My buddy Joe Saul-Sehy, host of the Stacking Benjamins podcast, joins me this week for another episode of "Ask Paula (and Joe!)" -- in which we workshop through questions that came from you, the Afford Anything community. This week, Joe and I answer...Show More

#067: Ask Paula -- How to Care for Aging Parents, Buy a Car, and Organize a Business

45:36 | Mar 6th, 2017

It's the first Monday of the month, which means it's time to answer questions from the Afford Anything community. Our first question comes from a caller in a tough spot: Her mother-in-law is 66 years old. She's divorced, holds no retirement savings,...Show More

#066: Take Radical Responsibility for Your Life -- a Breakfast Chat with 26-Year-Old Millionaire Emma Pattee

46:15 | Feb 27th, 2017

You know that rare moment when you meet someone with whom you connect *instantly*? I felt that way when I met Emma Pattee, the 26-year-old millionaire and mini-real-estate-mogul who joins me on today's episode. Emma and I share similar stories: we'...Show More

#065: How to Improve Your Relationship with Money

42:01 | Feb 20th, 2017

I've always taken an approach to life that puts my freedom first.  My one and only 9-5 lasted only 3 years. Since then I've been self employed and built financial independence through rental real estate. And while most see this podcast as being abou...Show More

#064: Michael Kitces -- Your Mind is More Powerful Than Money

1:17:18 | Feb 13th, 2017

Your potential is unlimited. I realize that's the type of cliche that you normally find embossed in cursive script on the side of coffee mugs. It's trite and impersonal and overused. But it's also true. Your potential to earn and grow is limitless...Show More

#063: Ask Paula - Travel vs. Passive Income, Proximity in Real Estate Investing and Selling Off Properties

37:46 | Feb 6th, 2017

It's the first Monday of the month, and you know what that means - another Ask Paula episode. Our first question comes from Richard, who wants to know if he should focus on creating a travel fund or building passive income through real estate. What...Show More

#062: Ask Paula - Q&A Featuring Special Guest Joe Saul-Sehy from Stacking Benjamins

1:18:09 | Jan 30th, 2017

Joe Saul-Sehy, a former financial advisor and host of the Stacking Benjamins podcast, joins me to answer your questions in this bonus episode of Ask Paula. Joe and I are goofballs; we tell PG-13 dirty jokes; we disagree on several answers, and we hav...Show More

#061: John Lee Dumas - From Small-Town Kid to Multimillionaire Entrepreneur

48:47 | Jan 23rd, 2017

Even though John wasn't never an entrepreneur at heart -- even though he didn't (yet) self-identify as an entrepreneur -- he decided to throw himself, full-force, into the one and only business idea he'd ever had. Listen to John's story, in his own w...Show More

#060: Andrew Hallam (Part Two): The Nine Rules of Wealth You Should Have Learned in School

1:40:12 | Jan 16th, 2017

Andrew Hallam grew a million-dollar investment portfolio on a schoolteacher's salary by his mid-30's. In his bestselling book, Millionaire Teacher, he describes these nine lessons in detail. He shares these nine rules on this podcast, and his ideas...Show More

#059: Andrew Hallam: How I Became a Millionaire on a Teacher's Salary

1:02:20 | Jan 9th, 2017

By his mid-30's, Andrew Hallam became a millionaire on a teacher's salary. He began by investing $100 a month upon advice given by a mechanic. Then he began saving nearly half his $28,000 teacher’s salary. Andrew rode a bicycle 35 miles to work, fou...Show More

#058: Ask Paula -- Death, Taxes, Crushing Debt and Moving in with Mom

47:33 | Jan 2nd, 2017

Ashley is a single mom saving diligently for her 2-year-old son. What alternatives are there to 529s and brokerage accounts? Julie and her husband invest quarterly. Should she try buying European equities when they are much cheaper due to Brexit? N...Show More

#057: Philip Taylor - Top 5 Financial Lessons PT Learned in the Past Decade

52:01 | Dec 26th, 2016

Philip Taylor, aka PT, is one of the most well-connected guys in the personal finance world. He’s spent the past half-dozen years building tight relationships with some of the most influential authors and speakers in this space. Today he shares his t...Show More

#056: Billy Murphy - Expected Value, or What Professional Poker Taught Me About Running a 7-Figure Business

55:23 | Dec 19th, 2016

Former professional Poker player Billy Murphy has an intriguing story. He achieved financial independence at age 29, and he did this by applying a concept known as "expected value" to his online businesses. In this episode, I chat with Billy about ...Show More

#055: From Money Moron to Millionaire, with Scott Alan Turner

53:00 | Dec 12th, 2016

Scott Alan Turner used to be a money moron. (In his words.) He traded a Jeep for a Porsche in his 20s, purchased a 3,000 sq. ft. house with two mortgages, and bought luxury furniture on credit. The Porsche cost him $800 per month. The house cost $2...Show More

#054: Ask Paula - Automating Savings, Starting a Blog, Emergency Funds, Investing in Real Estate Confidently, and More

38:08 | Dec 5th, 2016

It's the first Monday of the month, which means I'm fielding questions from the audience. We start with a question from Nicole. She's a new listener, and she's stuck in a confusing situation. You see, Nicole is self-employed. She'd like to save a ...Show More

#053: Live Q&A with Paula on Real Estate and Travel

1:00:36 | Nov 28th, 2016

This episode is a little different. Instead of interviewing a guest, this podcast episode is a recording of a recent talk I gave in Equador. The audience wanted to know more about the context surrounding the decisions I've made regarding business, i...Show More

#052: How to Combat Lifestyle Inflation, with Julia Kelly

36:17 | Nov 21st, 2016

Imagine transitioning from making $8.50 per hour and sharing a crammed apartment with 5 people, to becoming a six-figure business owner doing what you love.   That's the journey that Julia Kelly, caricature artist and founder of JK Expressions, took....Show More

#051: Six Types of Financial Frenemies, with Mary Beth Storjohann

47:01 | Nov 14th, 2016

Today's guest is Mary Beth Storjohann, CFP®, Founder of Workable Wealth, and author of the book Work Your Wealth. As I was reading through her book, one thing stuck out to me: the financial frenemies we all have, and how to deal with them in a const...Show More

#050: Ask Paula - Retirement Savings in Your 50's, Starting a Side Hustle, Buying Health Insurance, Home Warranties, and More

46:10 | Nov 7th, 2016

Mark, a 55-year-old listener, has no savings. He's been listening to personal finance podcasts. He recently read Tony Robbins' Money: Master the Game. He called this podcast to tell us that he's feeling overwhelmed by the scope of what's ahead of him...Show More

#049: Behind-the-Scenes Mastermind Call - with J.D. Roth

1:05:07 | Oct 31st, 2016

If you're a longtime listener, you might remember J.D. Roth, founder of Get Rich Slowly and owner of Money Boss, from Episode 20. In this previous interview, J.D. shared how he went from being in debt to financially independent. Today, he's back for ...Show More

#048: How to Overcome Procrastination and Perfectionism, with Stephen Guise

22:19 | Oct 24th, 2016

Imagine that your goal is to build a flat stomach and stronger biceps. But deep down, subconsciously, you’re afraid you might fail. So you procrastinate. “I’ll work out tomorrow,” you tell yourself. “Or next week. Or next year.” As a result, you don’...Show More

#047: How to Stop Being Your Own Worst Enemy, with Clark Howard

51:11 | Oct 17th, 2016

Today's guest is New York Times bestseller, radio and television personality, Clark Howard. While Clark is known as a personal finance expert, that title doesn't tell the whole story. He started reading stock tables when he was in fifth grade. He b...Show More

#046: The Unbelievable Power of Building a Community - Live at FinCon

27:01 | Oct 10th, 2016

This episode is a little unusual because I interviewed fellow podcast listeners live at FinCon (a conference for financial bloggers). Why? To get to know you and understand you better. I want to know what makes you tick, and where your interest in ...Show More

#045: Ask Paula - Should I Invest $5,500 in One Huge Chunk? - and More Investing Questions

34:46 | Oct 3rd, 2016

Podcast listener Eva is interested in opening a Vanguard account. She noticed that people need $50,000 to access their personal advisor services. It'll take her several years before she can access this. What should she do in the meantime? Amy, anothe...Show More

#044: "Why I Quit My Dream Job" – with entrepreneur Leslie Samuel

52:23 | Sep 28th, 2016

When Leslie Samuel immigrated to the U.S. at age 17, he hoped for the American Dream: an education, a secure job, and a traditional career path. But during his college years, Leslie realized he had an entrepreneurial streak. He made a few attempts at...Show More

#043: Jean Chatzky Shares Money Rules for Modern Life

33:01 | Sep 19th, 2016

Today's guest is Jean Chatzky, financial editor for the TODAY Show, host of the HerMoney podcast and a frequent guest on TV shows like Oprah, Regis & Kelly, and The View. She's the bestselling author of many books, including Money Rules, which we dis...Show More

#042: The Incredible Value of Deep Work, Instead of Distraction – with Cal Newport

1:07:08 | Sep 12th, 2016

Your most valuable asset isn't your house, car or retirement portfolio. It's your attention. Most knowledge workers spend their day franticly hopping between meetings, emails, phone calls and social media. But that's not the best way to stand out in ...Show More

#041: Ask Paula: Investing, Rebalancing and Renovating

31:34 | Sep 5th, 2016

Mollie, a listener, is making smart money moves. She's getting the maximum match on 403b contributions. She's saving for a downpayment on a home. Her husband opened a Roth IRA. What's next? After listening to the Jim Collins episode, Mollie wants ...Show More

#040: The Power of Habit Formation, with Gretchen Rubin

1:11:02 | Aug 29th, 2016

Most of us want to develop better habits. We want to exercise more, eat healthier, get more sleep, watch TV less, pay off debt, or save money. The problem? We make excuses. We tell ourselves we'll splurge "just this one time." We convince ourselves t...Show More

#039: The Seven Stages of Financial Independence, with Joshua Sheats

1:25:16 | Aug 22nd, 2016

It's tempting to think of "financial independence" as a finish line. You've either crossed the finish line, or you're still running the race. But financial independence is more nuanced, says today's guest, Joshua Sheats. We experience seven stages of...Show More

#038: Why You're Not As Busy As You Think, with Laura Vanderkam

38:31 | Aug 15th, 2016

There are 168 hours in a week.   If you work 40 hours per week and sleep 8 hours per night, you’ve accounted for 96 hours. You have an additional 72 waking hours per week.   What are you doing with this time?   That’s the question today’s guest, Laur...Show More

#037: Chris Guillebeau -- How to Live a Remarkable Life in a Conventional World

35:01 | Aug 8th, 2016

Chris writes about life, work and travel. He has visited every country in the world and written a number of New York Times best selling books. He joins us to talk about challenging ourselves, experimentation,and deliberately changing our direction.  ...Show More

#036: Ask Paula -- Should I Buy a Turnkey Rental Property? -- and More Real Estate Investing Question

25:46 | Aug 1st, 2016

It's the first Monday of the month, and you know what that means ... Time for another Ask Paula episode! On today's show, I answer a handful of phone calls from listeners who posed questions about real estate investing. One caller from Atlanta said...Show More

#035: How to Start Freelancing on the Side, with Carrie Smith from Careful Cents

36:16 | Jul 25th, 2016

Carrie Smith enjoyed her full-time accounting job, but she wanted to make extra money on the side. Who doesn't, right? She landed a second job in a tax office, working 9-to-5 for one employer and 5-to-9 for the other. She earned decent money, but h...Show More

#034: How I Built a Six-Figure Online Store -- with Steve Chou from My Wife Quit Her Job

42:46 | Jul 18th, 2016

Steve Chou's wife used to work grueling hours at a job she dreaded and despised. When she became pregnant with their first child, she decided to quit.  The problem? She earned six figures, and their family needed that income.  She opened an online ...Show More

#033: How I Became a Millionaire on a Military Salary - with Doug Nordman

37:38 | Jul 11th, 2016

After serving in the Navy for 20 years, Doug Nordman, then-age 41, retired from his military career. Most of his peers started second careers in the civilian world.    But Doug didn't. He had an ace up his sleeve: he had spent his military career sav...Show More

#032: Ask Paula: The Market Might Drop. Should I Sell?

41:16 | Jul 4th, 2016

Should you sell your stocks, given that we might be heading for a possible downturn? Also, what are the downsides of index funds? Should you invest in out-of-state rental properties, and if so, how can you figure out where to look? These are just a f...Show More

#031: The Simple Path to Wealth, with Jim Collins

34:45 | Jun 27th, 2016

Jim Collins, also known as popular blogger JLCollins, has been financially independent since 1989. He achieved this in the simplest way possible: he saved half of his income and invested in index funds. Jim says the simplest possible approach is the...Show More

#030: Okay, I’m Financially Independent. Now What? -- with Jim Wang

1:26:01 | Jun 20th, 2016

When Jim Wang was 29-and-a-half, life changed forever. Jim started an online company (a blog) in his mid-20's. His website grew to several hundred thousand readers and started earning five-figure monthly sums. It sounds too good to be true. I know...Show More

#029: Ask Paula: Pay Debt vs Buy a Home? Invest in Index Funds vs Creative Alternative?

38:31 | Jun 13th, 2016

Call in your questions to the Money Show Hotline Paula answers questions you sent in about multi-level marketing, paying off credit card debt vs buying a house, and socially responsible investing. You can find other...Show More

#028: How I Woke Up, Removed the Blindfold, and Noticed My Money for the First Time -- with Evelyn Connors

43:16 | Jun 6th, 2016

Most people only pay attention if there's a problem - that includes money. Guest, Evelyn Connors gets honest and raw about her previous understanding of how money works and her uber-excitement of taking control of her FI (financial independence). Sha...Show More

#027: Pete the Planner, Comedian-Turned-Money-Columnist, on Millionaires and Mock Retirements

39:31 | May 30th, 2016

Pete the Planner talks about why millionaire-dom is important and why it's important to try a "mock retirement". To contact the show or send in your questions for a future episode, visit

#026: Last Show With Jay

1:13:45 | May 23rd, 2016

Sometimes you need to let go of the good for the great. Jay Money has started a lot of projects, only to let them go because they didn't match his goals. The show must go on - and it will with Paula at the wheel. Jay will be back from time to time (a...Show More

#025: The Stacking Benjamins Roundtable Plays a Game of 'Would You Rather'

40:46 | May 16th, 2016

Would you rather...have $15k in quarters or $15k in dollar bills? Today we have fun with Joe Saul-Sehy, Len Penzo and Greg McFarlane (HELLO Greg) from the Stacking Benjamins Roundtable. For more serious episodes about M.O.N.E.Y., visit the archives ...Show More

#024: Ask Us Anything #4 - Betterment, Wealthfront, Robo-Investing -- What's the Deal?

1:02:45 | May 9th, 2016

You ask. We answer. Let's grab a beer. This is the first Ask Us Anything in which we hear YOUR voices -- which makes this episode extra-awesome.  In this week's episode, Paula and J. Money tackle listener-submitted questions, such as: Investing: Wha...Show More

#023: Farnoosh Torabi, Host of CNBC's Follow the Leader, Spills the Secrets of Successful CEOs

49:16 | May 2nd, 2016

Farnoosh Torabi is host of CNBC's Follow the Leader. She shares stories about spending 48 hours with the most influential business leaders in the nation. For a list of notes and resources, visit

#022: How Jeremy and Winnie Retired in Their 30's

57:46 | Apr 25th, 2016

Jeremy and Winnie are the bloggers behind Go Curry Cracker. They took a vacation to the Philippines and decided this was where they wanted to live - and retire there early (like REALLY early). For more information visit

#021: Making Money as a Voice Over Actor with Carrie Olsen

52:01 | Apr 18th, 2016

Carrie Olsen started podcasting with her husband, then dipped her toe into the voice-over industry and is KILLING IT! For more great M.O.N.E.Y. episodes, visit

#020: From Debt to Financial Independence, with Get Rich Slowly Founder JD Roth

58:16 | Apr 11th, 2016

The Money Boss, JD Roth, went from $35k in credit card debt to selling a personal finance blog for an undisclosed amount of money. Today he shares how financial independence affected him - and how having enough money to be financially independent for...Show More

#019: Football and Hip-Hop's Financial Advisor Rob Wilson Talks About Managing Celebrity Money

54:01 | Apr 4th, 2016

Financial Advisor to the stars, Rob Wilson, gives us the inside scoop on what kind of help celebrities and sports heroes need. What he tells us may surprise you! For more M.O.N.E.Y. goodness check out our other episodes at

#018: Ask Us Anything #3 - Real Estate Investing Edition

57:00 | Mar 29th, 2016

Listener questions are back by popular demand! Paula answers your questions about real estate investing niches, strategies, and things to stay away from. For more M.O.N.E.Y. goodness, visit

#017: Making Money as an Uber and Lyft Driver, with The RideShare Guy Harry Campbell

1:04:30 | Mar 21st, 2016

Harry began driving for Uber 2 years. Now he's making 6-figures sharing tips for how to maximize time and profit with Uber, Lyft, DoorDash and PostMates. For Harry's rideshare money-making tips, visit

#016: How Aaron Epstein Went from Side Hustler to Selling a Multi-Million Dollar Company

1:10:01 | Mar 14th, 2016

Aaron Epstein shares his story of shoveling snow as a kid to launching a profitable website during college to selling a multi-million dollar company. For more visit

#015: Ask Us Anything #2 - Dollar Cost Averaging, Pay off Debt or Invest

56:31 | Mar 7th, 2016

Q&A #2 with Paula, the analytical one, and J. Money, the heart of your M.O.N.E.Y. Team  Follow along with the answers:

#014: So You Want to Be a Blogger?

1:00:16 | Feb 29th, 2016

Can you make money as a blogger? How? We share the good and bad reasons for choosing to go into blogging. Send us your questions or comments

#013: How to Destroy Your Stupid Debt, with Steve Stewart (and the Controversy Around Dave Ramsey!)

1:08:01 | Feb 22nd, 2016

Steve and his wife got on the Dave Ramsey plan and they paid off their house! Plus, Steve's little coaching trick of Rent vs Buy vs Invest. Get more at

#012: Ask Us Anything #1 - Student Loan Help, Tax Hacks, Time Management Tips and REITs - MONEY012

1:08:01 | Feb 15th, 2016

It's time to pick the brains of Paula and J. Money with our first ever "ASK US ANYTHING" episode.  Follow along with the answers:

#011: Making $100k from eBay and Airbnb with Jay & Ryanne

54:31 | Feb 12th, 2016

Jay and Ryanne have created a beautiful life for themselves scavenging for resale items in rural areas and renting houses in the Shenandoah National Park area of VA. Read more at

#010: From Millionaire to Broke, Plus the Habits of the Rich, with Tom Corley

57:30 | Feb 10th, 2016

OMG! It's Tom Corley, the RICH HABITS guy! Jay is having a heart attack. Tom Corley studied self-made millionaires and poor people to come up with some interesting results. He wrote about it in a story called "Rich Habits". Tom shares his story of be...Show More

#009: Tools We Use to Kick Ass and Grow Wealth

1:10:30 | Feb 8th, 2016

Checking, savings, investment accounts, car insurance, credit cards, even umbrella insurance - it's all covered in this episode. These are the financial tools Jay Money and Paula Pant use. For a complete list of resources, visit http://TheMoneyShow.c...Show More

#008: How Jay Became a Half-a-Millionaire -- and Why He Wants You to Track Your Net Worth

50:41 | Feb 5th, 2016

J. Money is a HALF-MILLY! He loves to share his journey to growing net worth on his blog, as well as the net worth of 180 other financial bloggers. See the short list and find links to resources by visiting the blog at