Heavy Metal Money: The Podcast

Join us in this powerful episode of The Extreme Personal Finance Show as we sit down with Brian Muller, founder of Momentous Wealth Advisors, musician, certified life coach, and author of the upcoming book Momentous Decisions: 7 Steps to Better Health, More Wealth, and a Richer Life. Brian shares his remarkable journey—from his early days as a young financial advisor to navigating profound personal loss and rediscovering life's meaning.Brian introduces his innovative M.A.D.E. Life framework—focusing on Meaning, Accomplishment, Difference, and Experiences—to help listeners intentionally design a richer, more fulfilling life. Discover how small, consistent lifestyle habits, shifts in identity, and overcoming mental blocks can create lasting transformation in your health and wealth.Contact Chris:https://heavymetal.moneyhttps://www.facebook.com/MoneyHeavyMetalhttps://x.com/MoneyHeavyMetalhttps://www.instagram.com/chrislugerhttps://www.tiktok.com/@heavymetalmoneyemail: chris at heavymetal.moneyFollow Brian Muller on LinkedIn and Facebook to stay connected.@themomentouslifeResources and Links:Brian's Book Momentous Decisions: 7 Steps to Better Health, More Wealth and a Richer Lifehttps://amzn.to/43AC9NmMurge - Interfusehttps://music.apple.com/ca/artist/murge/1475528741Up Down Sidewayshttps://www.youtube.com/watch?v=lyWts_KZVi0Book - Three Moments of Joy Guided Journal https://www.amazon.com/Three-Moments-Guided-Activity-Journal/dp/0735355045Afford Anything Podcasthttps://podcasts.apple.com/us/podcast/afford-anything/id1079598542What I learned at the Afford Anything Goal Setting Workshophttps://heavymetal.money/affordanything-nyc/The Steve Jobs Archivehttps://stevejobsarchive.comMonsters of Rock Cruise 2026https://monstersofrockcruise.comFifty Fires Podcasthttps://podcasts.apple.com/us/podcast/50-fires-money-and-meaning-with-carl-richards/id1709551590You Are The Average Of The Five People You Spend The Most Time Withhttps://youtu.be/KdDIPLGKNCI?si=yJEnZoH-AHN5ho9m

On this episode of The Extreme Personal Finance Show, we sit down with multi-disciplinary artist, program director, creative powerhouse, and my sister Jes Reyes. From her first $500 artist check to managing multiple income streams and setting up a SEP IRA, Jes shares her journey of transforming anxiety about taxes into empowerment through organization and education.

In this episode of The Extreme Personal Finance Show, we go full beast mode with Dr. Dave Powers—a Marine vet, author, and adventurer who's building a real-life 100 Acre Farm inspired by Winnie the Pooh.How Dr. Dave creates multiple streams of income—from online publishing to crypto yield farmingWhy he calls it “passive-adjacent” income (and how YOU can build it too)The vision behind his regenerative agriculture project to save a 100-acre forest before developers destroy itWhat it's like homeschooling 5 kids while running a homestead, filming movies, and writing booksA powerful reminder: you don't need to sacrifice family time to build wealth—you can build bothContact Chris:https://heavymetal.money⁠https://www.facebook.com/MoneyHeavyMetal⁠https://x.com/MoneyHeavyMetal⁠https://www.instagram.com/chrisluger⁠⁠https://www.tiktok.com/@heavymetalmoney⁠email: chris at heavymetal.moneyContact Dr. Davehttps://www.instagram.com/drdavidpowers/https://www.tiktok.com/@ruggeddadhttps://www.facebook.com/drdavid.powers/https://twitter.com/DrDavidPowershttps://www.youtube.com/@streamsofincomebydrdaveResources and Links:The 100-Acre Farm Kickstarterhttps://www.kickstarter.com/projects/drdavidpowers/the-hundred-acre-farm-a-winnie-the-pooh-inspired-sanctuaryRed Team Goalshttps://redteamgoals.comThe Unconference IIhttps://www.theunconference.live/2026Multiple Streams of Income: How to Generate a Lifetime of Unlimited Wealth!by Robert G. Allenhttps://amzn.to/4kzfl7sStreams of Income: Living the Multiple Income Streams Dreamby Ryan Regerhttps://amzn.to/3Hiq9IHThe Complete Tales of Winnie-The-Pooh Hardcoverby A. A. Milne https://amzn.to/4dFOnsCThe Murph Challengehttps://themurphchallenge.com/pages/the-workout

In this no-holds-barred episode of The Extreme Personal Finance Show, Chris sits down once again with fan-favorite guest April to dissect the question: Is renting actually the smarter move in 2025?Homeownership rates have dipped to 65.1%, the lowest in over 5 years, and in 50 of the largest U.S. metros, renting is more affordable than buying. With mortgage payments averaging 38% higher than rent, we're kicking the white-picket-fence fantasy right in the teeth.April and Chris dive deep into:Whether renting is a financial failure or a new path to freedomWhy six-figure earners are choosing leases over mortgagesThe real (and rising) cost of owning—taxes, maintenance, insurance, and surprise repairsRenting for flexibility, lifestyle, and sanity40- and 50-year mortgages: insane trap or necessary evil?The outdated stigma of being a lifelong renterThey also swap personal stories—from loud neighbors and appliance fails to van life dreams and why owning a home might not be the badge of success it once was.If you've ever wondered whether to buy, rent, or hit the open road in a camper, this episode's for you.Contact Chris:https://heavymetal.moneyhttps://www.facebook.com/MoneyHeavyMetalhttps://x.com/MoneyHeavyMetalhttps://www.instagram.com/chrislugerhttps://www.tiktok.com/@heavymetalmoneyemail: chris at heavymetal.moneyResources and Links:https://www.advisorperspectives.com/dshort/updates/2025/04/28/home-ownership-rate-q1-2025https://heavymetal.money/younghomeowner/Stacking Benjamins Podcast - The Great Debate: Buying vs Renting Your Home (SB1677)https://podcasts.apple.com/us/podcast/the-stacking-benjamins-show/id650045209?i=1000705811478Smart Money Happy Hour Podcasthttps://podcasts.apple.com/us/podcast/smart-money-happy-hour-with-rachel-cruze-and-george-kamel/id1645380849CampFI https://campfi.org

How Jess McCarthy Boosted Her Credit Score by 200+ Points in One Year — Without a Credit Repair CompanyIn this episode of The Extreme Personal Finance Show, Chris sits down with Jess McCarthy — Minnesota realtor, entrepreneur, and working mother of 5 — who shares how she raised her credit score by over 200 points in just over a year.From rock bottom at 557 to a stellar 760, Jess walks us through her raw, real, and relentless journey. No credit repair companies. No handouts. Just grit, hustle, and financial badassery.We dig into:What caused her credit to tankWhy she didn't use a credit repair company (and what to do instead)How she negotiated and settled $30K of credit card debtSmart habits she built to stay out of debt for goodHow your credit score impacts everything from rentals to insurance ratesWhether you're in the pit or just need a comeback story to light your fire — this is it.Resources Mentioned:Experian Credit Score AppDebt Settlement StrategiesNational Debt Relief (and why Jess said no)Key Takeaway: You don't need to pay someone to fix your credit. You need a plan, persistence, and the guts to face the truth.Contact Chris:https://heavymetal.money⁠https://www.facebook.com/MoneyHeavyMetal⁠https://x.com/MoneyHeavyMetal⁠https://www.instagram.com/chrisluger⁠⁠https://www.tiktok.com/@heavymetalmoney⁠email: chris at heavymetal.moneyContact Jess:McCarthySellsHomes at gmail dot comResources and Links:Snowball vs. Avalanche: Which Debt Payoff Method Rocks Harder?⁠https://heavymetal.money/debtpaydown/⁠Demystifying Credit Scores: Your Financial Report Card and Why It Mattershttps://heavymetal.money/creditscores/

Are you stuck in the middle-class trap? Feeling financially okay on paper, yet emotionally and psychologically stuck? In this candid episode of The Extreme Personal Finance Show, host Chris Luger welcomes Justin Nacpil, a technology professional, fellow financial podcaster, and a passionate advocate for intentional living. Together, they dive deep into the realities, anxieties, and strategies for those caught in the "messy middle."What You'll Discover:Is the Middle-Class Trap Real?Justin explains why people feel wealthy on paper yet experience anxiety about their financial situation.Balancing Optimization with Living LifeJustin opens up about shifting from relentless financial optimization to prioritizing family, personal happiness, and emotional wealth.Why FIRE Isn't Always the GoalDiscover why Justin moved away from the Retire Early component of FIRE and how his priorities changed when becoming a father of three.The Pressures of Keeping UpChris and Justin tackle the tough topic of societal pressures, keeping up with the Joneses, and managing financial anxiety.Advice for Young Adults Starting OutActionable tips on tackling student loans, building an emergency fund, and leveraging the power of compound interest.Financial Strategies for the Sandwich GenerationLearn how Justin navigates the complexities of supporting both his young family and his aging parents.Finding True Wealth in Life's SimplicitiesReflect on redefining what wealth truly means beyond flashy lifestyles and financial figures.Justin's Key Advice:Focus on a limited set of clear financial goals.Understand and appreciate the true value of compound growth, even if you start small.Regularly re-evaluate personal priorities beyond just financial numbers.Connect With Our Guest:Justin Nacpil, Host of The Road to Wealth podcast, is passionate about helping others navigate personal finance with clarity and intentionality.https://roadtowealth.carrd.coRoad To Wealth Podcasthttps://podcasts.apple.com/us/podcast/road-to-wealth/id1550826777Contact Chris:https://heavymetal.moneyhttps://www.facebook.com/MoneyHeavyMetalhttps://x.com/MoneyHeavyMetalhttps://www.instagram.com/chrislugerhttps://www.tiktok.com/@heavymetalmoneyemail: chris at heavymetal.moneyResources and Links:Book:Atomic HabitsBy James Clearhttps://amzn.to/3GYUvj8Book:I Will Teach You To Be RichBy Ramit Sethihttps://amzn.to/439bBlZBook:5 Types of WealthBy Sahil Bloomhttps://amzn.to/4iEMcGsDave Ramseyhttps://www.ramseysolutions.com

In this energetic episode of The Extreme Personal Finance Show, Chris and Kevin dive deep into how to ignite your purpose and passions, especially after early retirement. They challenge conventional wisdom around purpose, suggesting it's not something that simply falls into your lap—it can be actively created through curiosity and intentional living.Purpose vs. Passion vs. Curiosity: Learn why Kevin prefers "curiosity" as his internal driver, and how it differs from external notions of purpose.Prioritizing Your Passions: Chris shares how to focus your energy on what genuinely excites you and how to use personal development investments to fuel your growth.Memory Dividends: Why investing in experiences that bring happiness now is crucial, based on concepts from Bill Perkins' "Die with Zero."Daily Themes and Time Blocking: Explore practical ways to prioritize multiple interests and stay motivated without burning out.Tune in to discover actionable strategies for aligning your retirement around what truly matters most to you.Contact Chris:https://heavymetal.moneyhttps://www.facebook.com/MoneyHeavyMetalhttps://x.com/MoneyHeavyMetalhttps://www.instagram.com/chrislugerhttps://www.tiktok.com/@heavymetalmoneyemail: chris at heavymetal.moneyResources and Links:Kevin's Bloghttp://lifeinfire.comPodcast Episode: Creating Purpose and Living A Fulfilling Life with Doc Ghttps://podcasts.apple.com/us/podcast/the-extreme-personal-finance-show/id1537001709?i=1000682529353Dr. Jordan Grumethttps://jordangrumet.comBook: The Purpose CodeBy Dr. Jordan Grumethttps://amzn.to/4j9zRvfBook: No Excuses!: The Power of Self-Discipline for Success in Your LifeBy Brian Tracyhttps://amzn.to/4hTvZwMBook: Die With ZeroBy Bill Perkinshttps://amzn.to/4ji2FRSWheel of Life Exercisehttps://minimalism.co/articles/wheel-of-lifeDocumentary Film: Playing With Firehttps://www.playingwithfire.co/the-documentary

Real estate investing gets hyped a lot—but is it the right gig for you? In this episode, I'm joined by Nick Sehy and we dive into the raw truth behind owning rental property, flipping homes, and becoming a so-called “passive income” landlord. Spoiler alert: it ain't always passive. But we don't just talk doom and gloom—we'll also break down who can rock the real estate game, what tools you need to get started, and how to avoid blowing your bankroll.Book: Set For Life⁠https://amzn.to/3Esz4q3⁠Follow Nick on Instagram⁠https://www.instagram.com/nick.sehy/⁠Schedule a call with Nick⁠https://calendly.com/nicksehy/real-estate-discussion⁠Contact Chris:https://heavymetal.money⁠https://www.facebook.com/MoneyHeavyMetal⁠https://x.com/MoneyHeavyMetal⁠https://www.instagram.com/chrisluger⁠⁠https://www.tiktok.com/@heavymetalmoney⁠email: chris at heavymetal.moneyResources and Links:⁠https://heavymetal.money/real-estate-investing-is-it-for-everyone/⁠

In this episode of the Extreme Personal Finance Show, I'm joined by guest and my good friend Kevin about the importance of community in personal finance and life.Kevin is a retired, and who achieved financial independence at age 43! The conversation explores how communities can provide support, motivation, and purpose, especially during major life transitions like retirement or leaving the workforce.We discuss different types of communities (identity-based vs. affinity-based), how community involvement can improve mental and physical health, and personal examples of how community has enriched their lives, particularly in the financial independence community and heavy metal community!Contact Chris:https://heavymetal.moneyhttps://www.facebook.com/MoneyHeavyMetalhttps://x.com/MoneyHeavyMetalhttps://www.instagram.com/chrislugerhttps://www.tiktok.com/@heavymetalmoneyemail: chris at heavymetal.moneyResources and Links:Kevin's Bloghttp://lifeinfire.comCampFI is a life-changing retreat for people on their journey to financial independence. https://campfi.orgFinancial independence is Better with Friendshttps://economeconference.comRock Retirement Clubhttps://www.rockretirementclub.comThe Retirement Answer Manhttps://www.rogerwhitney.comEarn & Invest Podcast - 614. Ten Things About Communityhttps://podcasts.apple.com/us/podcast/earn-invest/id1440355498?i=1000700560684Monsters of Rock Cruise https://monstersofrockcruise.com

It's an extra extreme episode of the show today!  We are honored to welcome our guest today is C.J. Ortiz. He is known as The Metal Motivator, He has over 30 Years experience as a speaker, writer, and content creator who blends the raw energy of heavy metal with hardcore motivation.Since 2009, he has inspired a worldwide audience with his no-nonsense approach to mindset, discipline, and personal transformation. Through Metal Motivation, he delivers daily doses of fire to help people crush excuses, break limits, and dominate their lives. He's like "Tony Robbins meets Metallica."We dive into how to stay motivated and avoid distractions as you work towards your financial goals. We explore how to stay consistent and live aggressively and thrive in life and financesWe thank C.J. for joining us! Contact Chris:https://heavymetal.moneyhttps://www.facebook.com/MoneyHeavyMetalhttps://x.com/MoneyHeavyMetalhttps://www.instagram.com/chrislugerhttps://www.tiktok.com/@heavymetalmoneyemail: chris at heavymetal.moneyResources and Links:Slow Productivity: The Lost Art of Accomplishment Without Burnoutby Cal Newporthttps://amzn.to/4iP9L04Company Of One: Why Staying Small Is the Next Big Thing for BusinessBy Paul Jarvishttps://amzn.to/4cmrTfCContact CJ: metalmotivation at gmail.comhttps://metalmotivation.comhttps://www.facebook.com/metalmotivationhttps://www.instagram.com/metalmotivator/

Kids say the darnedest things…about money. What might become a regular segment on the show in which we find a kid and talk to them about money. I had talked to my friend, and we thought maybe it might be fun to talk to her son about money. We could ask fun or some basic questions and see what he knows about personal finance. This was great fun, and I really enjoyed talking with this insightful 12-year-old about saving, spending, and managing money! What are your thoughts? How do you have regular money discussions with your children? Contact Chris:https://heavymetal.moneyhttps://www.facebook.com/MoneyHeavyMetalhttps://x.com/MoneyHeavyMetalhttps://www.instagram.com/chrislugerhttps://www.tiktok.com/@heavymetalmoneyemail: chris at heavymetal.moneyResources and Links:https://heavymetal.money/smartkids/

Jim Carrey once said: "If you're not willing to downgrade your lifestyle for a year to have a lifestyle you want forever, you care too much what other people think."In this solo episode I wanted to talk about to live the life you want forever, you may need to cut out discretionary spending, and downgrade your life for a short period of time. But then you can reap the rewards later in life. I look at some of reasons why I'm willing to forgo some concerts, trips or eating out for a years while I focus on a new commercial real estate investment opportunity. Contact Chris:https://heavymetal.moneyhttps://www.facebook.com/MoneyHeavyMetalhttps://x.com/MoneyHeavyMetalhttps://www.instagram.com/chrislugerhttps://www.tiktok.com/@heavymetalmoneyemail: chris at heavymetal.moneyResources and Links:https://heavymetal.money/commercialrei/

HINE Daniel L., Age 44, of Stillwater, MN Passed away on February 26, 2025, Dan is not only a fellow Stacker and member of the personal finance community offering guidance and advice to anyone that asked, he is a trombonist with the Marine Corps., the Army, and the 34th Infantry Division Band in the Minnesota National Guard.He is a lifelong science fiction fan, outdoor enthusiast, and as we know advocate for financial literacy. He loves running, hiking, and keeping his cats, George & Lucas, in check. Above all he was a devoted husband and father, a beloved son and brother, and a much respected military man.He will be remembered for his “photogenic” expressions and Hawaiian shirts.Let's now take a few minutes and celebrate Dan

As you may have heard, money can be a cause of fights or arguments among couples. Money can be a cause of conflict or be real deal-breaker in relationships. But, it doesn't have to be! When you and your partner are on the same page financially, it makes your relationship awesome, stronger and sets the groundwork for a successful, rewarding and fun future. Whether you're planning for big life changes or just dealing with those everyday expenses, having an open and honest chat about money is super important.In this episode I'll talk about one thing I've learned in the class is the importance of being on the same page with your spouse or partner in terms of finances. Regardless if you share banks accounts or not. It is important to be open honest and in alignment with each other on what each of you value or what you find important.Contact Chris:https://heavymetal.money⁠https://www.facebook.com/MoneyHeavyMetal⁠https://x.com/MoneyHeavyMetal⁠https://www.instagram.com/chrisluger⁠⁠https://www.tiktok.com/@heavymetalmoney⁠email: chris at heavymetal.moneyResources and Links:https://heavymetal.money/samepage/

Waking up to the doom and gloom of the headlines and news that the US Economy is in a downward spiral reminds me that we should review some of the principles of why we need to stay focused, avoid our gut reactions and keep on keeping on.This episode we look at our natural reaction to act upon this. It's an emotional thing to want to move our money out of these funds that may have declined. However, we are strong. We are determined. We are the ones that are investing for the long-term, and are focusing years in the future. Contact Chris:https://heavymetal.moneyhttps://www.facebook.com/MoneyHeavyMetalhttps://x.com/MoneyHeavyMetalhttps://www.instagram.com/chrislugerhttps://www.tiktok.com/@heavymetalmoneyemail: chris at heavymetal.moneyResources and Links:https://heavymetal.money/how-to-invest-during-a-decline/https://www.cbsnews.com/news/online-trading-downdetector-charles-schwab-fidelity/

When shopping for things we often talk about the cost of something… but really what we are doing is comparing the Price.   It's interesting, the price is what we pay for a good or service, while the cost can be the actual or perceived value over time, of the lifetime of the product or service we are exchanging for money.In this episode we look at some examples and things to think about when buying things to compare the cost vs price or value over time. Contact Chris:https://heavymetal.money⁠https://www.facebook.com/MoneyHeavyMetal⁠https://x.com/MoneyHeavyMetal⁠https://www.instagram.com/chrisluger⁠⁠https://www.tiktok.com/@heavymetalmoney⁠email: chris at heavymetal.moneyContact Dan:email: dan at corepln.comhttps://www.corepln.com/dan-hineResources and Links:https://heavymetal.money/pricevscost/Book - Die With Zerohttps://amzn.to/3XggQy0Book - The Latte Factorhttps://amzn.to/3D9Ks9B

Are we Too obsessed with Credit Scores? In this episode we discuss Credit scores, particularly FICO scores, are numerical representations of creditworthiness, calculated using factors like payment history and credit utilization.While not universally required, good credit can significantly impact various aspects of life, from mortgage rates to insurance premiums. Responsible credit management, including timely payments and low utilization, is key to building and maintaining a healthy credit score.Your FICO score ranges from 300 to 850 and is calculated using five main factors:1. Payment History (35%): The heavyweight champion of your score2. Credit Utilization (30%): How much of your available credit you're using3. Length of Credit History (15%): Your credit age matters4. Credit Mix (10%): Different types of credit accounts5. New Credit (10%): How often you apply for new creditContact Chris:https://heavymetal.money⁠https://www.facebook.com/MoneyHeavyMetal⁠https://x.com/MoneyHeavyMetal⁠https://www.instagram.com/chrisluger⁠⁠https://www.tiktok.com/@heavymetalmoney⁠email: chris at heavymetal.moneyContact Dan:email: dan at corepln.comhttps://www.corepln.com/dan-hineResources and Links:https://heavymetal.money/creditscores/Jurassic World: Rebirth trailerhttps://www.youtube.com/watch?v=jan5CFWs9ic

According to a LendingTree report total credit card balance is now over $1.166 trillion! Over 47% of those in the US carry a credit card balance. Gulp! with an average interest rate of 22.8%! Yuk! In this episode we talk about some debt paydown methods, how they work and how they approach the problem from different psychological angles.Contact Chris:https://heavymetal.money⁠https://www.facebook.com/MoneyHeavyMetal⁠https://x.com/MoneyHeavyMetal⁠https://www.instagram.com/chrisluger⁠⁠https://www.tiktok.com/@heavymetalmoney⁠email: chris at heavymetal.moneyContact Dan:email: dan at corepln.comhttps://www.corepln.com/dan-hineResources and Links:Snowball vs. Avalanche: Which Debt Payoff Method Rocks Harder?https://heavymetal.money/debtpaydown/New Legislation on Medical Debt and Its Impact on Credit Scores and Reportshttps://heavymetal.money/medical-debt-and-its-impact-on-credit-scores-and-reports/

Paying for college doesn't have to be a financial nightmare!  In this episode we talk about some of the ways to cover the cost without drowning in student loans. Contact Chris: https://heavymetal.money ⁠https://www.facebook.com/MoneyHeavyMetal⁠ https://x.com/MoneyHeavyMetal ⁠https://www.instagram.com/chrisluger⁠ ⁠https://www.tiktok.com/@heavymetalmoney⁠ email: chris at heavymetal.money Contact Dan: email: dan at corepln.com https://www.corepln.com/dan-hine Resources and Links: A Path to Free College for Those Who Serve With The Post-9/11 GI Bill https://heavymetal.money/gibill/ Free Tuition in Minnesota: Unveiling the North Star Promise https://heavymetal.money/northstarpromise/ Pay Less For Two-Year Degrees That Can Make You Bank https://heavymetal.money/twoyeardegree/ High-Paying Trade Jobs and Careers That Don't Require a College Degree https://heavymetal.money/tradejobs/ Econome Session - Chris Corinthian: How to Pay for College Without Student Loans https://youtu.be/4-SR8PN5Jiw?si=6AUGtQ2AOlyZHv52 Scholly has made $30 million in revenues since starting up and supported over 5 million users. The deal with Sallie Mae also has allowed the company to distribute the app for free; it used to cost $2.99 a month. https://www.sallie.com/scholarships/scholly Scholarships Scholarships are the best way to pay for college because they don't need to be repaid. Many scholarships are merit-based (for academics, sports, arts, etc.), but others are awarded for unique skills, interests, or even random qualifications. Where to find them: Fastweb.com, Scholarships.com, and the College Board's Scholarship Search. Local businesses, nonprofits, and religious organizations often offer scholarships. Many schools automatically consider students for merit scholarships upon application. Post 9/11 GI Bill  The Post-9/11 GI Bill offers a substantial list of benefits, making it a wicked-awesome opportunity to obtain low-cost, or perhaps FREE college education! Here's a breakdown of what it covers: Tuition and Fees (Full Coverage at Public Colleges and Universities): If you attend a public college or university, the Post-9/11 GI Bill provides 100% coverage for tuition and mandatory fees. If you attend a private or foreign school, the GI Bill can cover up to $27,120 per year (as of 2024). If your chosen school exceeds this amount, you may still receive additional funding through the Yellow Ribbon Program, which will be explained in more detail below. Housing Allowance (BAH – Basic Allowance for Housing): While enrolled in school, you receive a monthly housing allowance based on the local cost of living. If you're taking online-only courses, you'll still receive some money for housing, but it's approximately half of the full-time student rate. Money for Books and Supplies: You're allocated up to $1,000 per year to cover textbooks and school supplies. This money is directly deposited into your account, allowing you to purchase the necessary materials for your classes. Job Training and Certification Programs: The GI Bill doesn't limit its benefits to traditional colleges. It can also cover vocational schools, technical training, apprenticeships, and even flight school. visit the VA's website (www.va.gov/education/) for the most up-to-date information. Grants Like scholarships, grants are free money that does not need to be repaid. Most grants are based on financial need. Key Grant Programs: Pell Grant – Up to $7,395 per year (2024-25) for low-income students. Federal Supplemental Educational Opportunity Grant (FSEOG) – Additional aid for low-income students. State Grants – Many states offer their own need-based grants. Institutional Grants – Colleges may provide their own grants based on financial need or special circumstances. How to apply: Fill out the FAFSA (Free Application for Federal Student Aid) as early as possible. Work-Study The Federal Work-Study Program provides part-time jobs for students to help pay for tuition and living expenses. Jobs are often on-campus and flexible with class schedules. Unlike a regular job, work-study earnings don't count against your FAFSA financial aid eligibility. How to apply: Check the FAFSA box that asks about work-study interest. Employer Tuition Assistance (Let Your Boss Pay) Many companies offer tuition reimbursement for employees pursuing higher education. Programs vary but can cover $5,250 per year (tax-free) or more. Some companies that offer tuition assistance: Amazon's Career Choice Program Starbucks College Achievement Plan UPS Earn & Learn Program Walmart Live Better U How to apply: Ask your employer's HR department about tuition benefits. 529 College Savings Plans (Tax-Advantaged Savings) A 529 Plan is a tax-advantaged investment account for education expenses. Money grows tax-free if used for qualified education expenses. Some states offer tax deductions or credits for contributions. How to start: Open an account through your state's 529 plan website or a financial institution.

NVIDIA, a prominent player in computer chips, experienced a crazy stock market decline due to competition from DeepSeek, a Chinese AI company.  Investors should consider index funds instead of relying solely on past performance for future gains. NVIDIA is up 28,000% over the last decade and had seen a 176% gain during the year 2024.  So many peeps feel the anxiety of tax season? Those late nights sorting through W-2s and 1099s? Well, something called The Fair Tax Act of 2025 might make those feelings and late nights a thing of the past. This groundbreaking legislation, proposes an audacious idea: completely abolishing the IRS! We'll talk in this episode the thought of a single national sales tax. Just imagine paying a premium on your purchases rather than having chunks of your paycheck disappear every month. Contact Chris: https://heavymetal.money ⁠https://www.facebook.com/MoneyHeavyMetal⁠ https://x.com/MoneyHeavyMetal ⁠https://www.instagram.com/chrisluger⁠ ⁠https://www.tiktok.com/@heavymetalmoney⁠ email: chris at heavymetal.money Contact Dan: email: dan at corepln.com https://www.corepln.com/dan-hine Resources and Links: Is This The End of the IRS? https://heavymetal.money/fairtaxact/

In this episode we talk about Health Savings Accounts, or HSA. They are one of the most powerful financial tools for managing healthcare costs while unlocking some serious tax advantages. Whether you're navigating medical expenses or planning for the future, an HSA is more than just a savings account—it's a triple-tax-advantaged juggernaut that also doubles as an investment vehicle. This is one of the accounts I was contributing to as I was fast tracking my way to financial independence. Contact Chris: https://heavymetal.money ⁠https://www.facebook.com/MoneyHeavyMetal⁠ https://x.com/MoneyHeavyMetal ⁠https://www.instagram.com/chrisluger⁠ ⁠https://www.tiktok.com/@heavymetalmoney⁠ email: chris at heavymetal.money Contact Dan: email: dan at corepln.com https://www.corepln.com/dan-hine Resources and Links: What is a Health Savings Account (HSA) and Why It Rocks! https://heavymetal.money/hsa/

The trades, across many industries, are currently facing a significant shortage of skilled workers. Trades jobs such as plumbers, electricians, carpenters, as well as HVAC technicians are in high demand. A report by the NAOB, 77% of contractors are struggling to find workers. Demand for skilled tradespeople is outpacing supply. The U.S. Bureau of Labor Statistics projects a 10% growth rate for HVAC technician jobs and a 9% growth rate for electricians through 2030, which is faster than the average for all occupations. Web Developer - 
https://www.bls.gov/ooh/computer-and-information-technology/web-developers.htmElevator & Escalator Tech - https://www.bls.gov/ooh/construction-and-extraction/elevator-installers-and-repairers.htm Air Traffic Controller - https://www.bls.gov/ooh/transportation-and-material-moving/air-traffic-controllers.htm Nuclear Tech - https://www.bls.gov/ooh/life-physical-and-social-science/nuclear-technicians.htm Dental Hygienist - https://www.bls.gov/ooh/healthcare/dental-hygienists.htm Diagnostic Medical Sonographers - https://www.bls.gov/ooh/healthcare/diagnostic-medical-sonographers.htm Aerospace Tech - https://www.bls.gov/ooh/architecture-and-engineering/aerospace-engineering-and-operations-technicians.htm Police or Detective - https://www.bls.gov/ooh/protective-service/police-and-detectives.htm Occupational Therapy Assistant - https://www.bls.gov/ooh/healthcare/occupational-therapy-assistants-and-aides.htm Wind Turbine Technician - https://www.bls.gov/ooh/installation-maintenance-and-repair/wind-turbine-technicians.htm Electricians - https://www.bls.gov/ooh/construction-and-extraction/electricians.htm Plumbers - https://www.bls.gov/ooh/construction-and-extraction/plumbers-pipefitters-and-steamfitters.htm Surgical Technologist - https://www.bls.gov/ooh/healthcare/surgical-technologists.htm LPN
 - https://www.bls.gov/ooh/healthcare/licensed-practical-and-licensed-vocational-nurses.htm Hearing Aid Specialist - https://www.bls.gov/oes/2023/may/oes292092.htm HVAC Tech - https://www.bls.gov/ooh/installation-maintenance-and-repair/heating-air-conditioning-and-refrigeration-mechanics-and-installers.htm Fire Fighter - https://www.bls.gov/ooh/protective-service/firefighters.htm Real Estate Agent - https://www.bls.gov/ooh/sales/real-estate-brokers-and-sales-agents.htm Carpenter - https://www.bls.gov/ooh/construction-and-extraction/carpenters.htm Sound Engineer - https://www.bls.gov/oes/2022/may/oes274014.htm Solar Tech - https://www.bls.gov/ooh/construction-and-extraction/solar-photovoltaic-installers.htm Contact Chris: email: chris at heavymetal.money Resources and Links: High-Paying Trade Jobs and Careers That Don't Require a College Degree - https://heavymetal.money/tradejobs/ Do You Need To Go To College - https://heavymetal.money/using-a-degree-in-bs-to-get-ahead/ Pay Less For Two-Year Degrees That Can Make You Bank - https://heavymetal.money/twoyeardegree/ Free Tuition in Minnesota: Unveiling the North Star Promise - https://heavymetal.money/northstarpromise/ Movie: Fall https://www.imdb.com/title/tt15325794/?ref_=ext_shr_lnk Apple Hearing Aid Feature - AirPods Pro 2 https://youtu.be/EvnJhwIwqds?si=-SYDs1__-

The sunk cost fallacy is a common psychological trap that affects our decision-making processes, often leading us to throw good money after bad or continue with unproductive endeavors simply because we've already invested time, money, or effort. Understanding this fallacy is crucial for making better decisions in many areas of life, including things like reading a book, finishing a movie, relationships, finances, and investments. This post delves into the sunk cost fallacy, explains why we fall for it, and provides examples to help you recognize and avoid it. Contact Chris: https://heavymetal.money ⁠https://www.facebook.com/MoneyHeavyMetal⁠ https://x.com/MoneyHeavyMetal ⁠https://www.instagram.com/chrisluger⁠ ⁠https://www.tiktok.com/@heavymetalmoney⁠ email: chris at heavymetal.money Contact Dan: email: dan at corepln.com https://www.corepln.com/dan-hine Resources and Links: https://heavymetal.money/sunkcost/ Quit by Annie Duke https://amzn.to/4j6Vsoh Please Like, subscribe and share wherever you get your podcasts and on YouTube! 

This is an extra EXTREME show today, I'm thrilled to be joined by Dr. Jordan Grumet or Doc G, author of the new book The Purpose Code. In it, Doc G shifts our focus from chasing massive, often overwhelming goals to finding the everyday actions and personal passions that spark genuine joy and build lasting fulfillment. In our discussion, we dive into how generational trauma, money scripts, and negative patterns can obscure our sense of purpose—and more importantly, how we can break free. Dr. Grumet also shares strategies like life reviews, therapy, and simply experimenting with new activities to discover your unique path. If you're ready to make small but powerful changes toward a happier and more meaningful life, you won't want to miss this conversation. LFG! Contact Chris: https://heavymetal.money ⁠https://www.facebook.com/MoneyHeavyMetal⁠ https://x.com/MoneyHeavyMetal ⁠https://www.instagram.com/chrisluger⁠ ⁠https://www.tiktok.com/@heavymetalmoney⁠ email: chris at heavymetal.money Contact Dan: email: dan at corepln.com https://www.corepln.com/dan-hine Resources and Links: About Dr. Jordan Grumet https://jordangrumet.com Earn and Invest Podcast https://www.earnandinvest.com/episodes-9 Order His Book, The Purpose Code Today!https://amzn.to/3BOJnn0 His previous book, Taking Stock: A Hospice Doctor's Advice on Financial Independence, Building Wealth, and Living a Regret-Free Life https://amzn.to/4gDfULK Leave Doc G a Voicemail: https://www.speakpipe.com/EarnandInvest Doc G's CampFI Presentation - 3 Paths to FI and Finding You Purpose:https://youtu.be/zkXmsIE3iq8?si=Wc36X8XsRrihTIFZ Subscribe to Jordan's Substackhttps://jordangrumet.substack.com/subscribe Stacking Benjamins Podcasthttps://www.stackingbenjamins.com/listen/ Please Like, subscribe and share wherever you get your podcasts and on YouTube! 

We've all been there. We walk past an end cap, or walk up to the checkout at the store, you think to yourself, “Oh I could use this snack!” Or, this product will make my life easier! It's no fluke! It's not happenstance. Retailers and marketers work really hard to get you to spend more. This leads to impulse purchases, or impulse spending. Impulse spending is a common financial problem that many people struggle with. Including me! My kryptonite is walking into my local Menard's. I go there for a new chain for my chainsaw. There is only one thing on my list. I need to process a fallen tree from a recent storm. However, as we walk in, we are slapped in the face with this isle littered with eye-catching products and screaming flash deals! We see insane “deals” on snacks, candy, electronics, seasonal items. (currently fireworks as we approach the 4th of July), and marked-down or clearance products. This is in hope to get customers to buy these things impulsively. Impulsive spending, or purchasing Is the act of making unplanned purchases without considering the long-term effects on your budget and financial health. Whether it's grabbing an extra item at the checkout line or splurging on so many different products during a sale, impulse spending can quickly derail your financial goals. We'll try and explain what impulse spending is, why it happens, and provide practical strategies to help you avoid it. Contact Chris: https://heavymetal.money ⁠https://www.facebook.com/MoneyHeavyMetal⁠ https://x.com/MoneyHeavyMetal ⁠https://www.instagram.com/chrisluger⁠ ⁠https://www.tiktok.com/@heavymetalmoney⁠ email: chris at heavymetal.money Contact Dan: email: dan at corepln.com https://www.corepln.com/dan-hine Resources and Links: https://heavymetal.money/impulsespending/ Please Like, subscribe and share wherever you get your podcasts and on YouTube!  --- Support this podcast: https://podcasters.spotify.com/pod/show/heavymetalmoney/support

Planning for retirement is a wicked big decision! Right?! It can be one of the biggest things we plan for in our lives. However, the biggest unknown we have while planning is how to know how much money we need in retirement. How much money do we need invested for us to continue to live our meaningful and purposeful lives while in retirement?  If we attempt to calculate how munch money we need in retirement we'll most likely come across something called the 4% rule. Chris and Dan talk about this simple guideline for figuring out how much money you can take out of your retirement savings each year without running out. This money you take out is often referred to drawdown. So we sometimes ask the question, “what is our drawdown strategy.” This is the process of calculating how much money we can take out of our savings or investments.  But what actually is the 4% rule, where did it come from, and how can you rock this rule to make your own retirement plan? Let's break it down! Contact Chris: https://heavymetal.money ⁠https://www.facebook.com/MoneyHeavyMetal⁠ https://x.com/MoneyHeavyMetal ⁠https://www.instagram.com/chrisluger⁠ ⁠https://www.tiktok.com/@heavymetalmoney⁠ email: chris at heavymetal.money Contact Dan: email: dan at corepln.com https://www.corepln.com/dan-hine Resources and Links: Memento Mori https://youtu.be/b5Vekgt0YgE?si=GDPSAeRiPIwptvQu https://heavymetal.money/fourpercent/ Please Like, subscribe and share wherever you get your podcasts and on YouTube!  --- Support this podcast: https://podcasters.spotify.com/pod/show/heavymetalmoney/support

At the year's end it can be a good time to review our finances and see how things have been going with your money. It's also a wonderful time get ready for a strong start to the coming new year. In this episode Dan and Chris discuss how personal finance isn't just about saving money. It's also about planning, setting goals, and making smart decisions that will help you in the long run. Whether we want to save more, pay off debt, or invest in the future, here are some top financial moves to make as the year ends—and how to help set us up for success in the new year. Contact Chris: https://heavymetal.money ⁠https://www.facebook.com/MoneyHeavyMetal⁠ https://x.com/MoneyHeavyMetal ⁠https://www.instagram.com/chrisluger⁠ ⁠https://www.tiktok.com/@heavymetalmoney⁠ email: chris at heavymetal.money Contact Dan: email: dan at corepln.com https://www.corepln.com/dan-hine https://heavymetal.money/yearend/ Please Like, subscribe and share wherever you get your podcasts and on YouTube!  --- Support this podcast: https://podcasters.spotify.com/pod/show/heavymetalmoney/support

How do you measure success?  How do you measure financial success. Is it how much you make? Is it your net worth? Is it how much free time you have?  How much would you have to earn to feel you are “successful”  Chris and Dan jam through some of these questions and some data from a recent report that claims those born between 1997, and 2012 feel they need over a $500k salary to be what they feel are successful.  Contact Chris: https://heavymetal.money ⁠https://www.facebook.com/MoneyHeavyMetal⁠ https://x.com/MoneyHeavyMetal ⁠https://www.instagram.com/chrisluger⁠ ⁠https://www.tiktok.com/@heavymetalmoney⁠ email: chris at heavymetal.money Contact Dan: email: dan at corepln.com https://www.corepln.com/dan-hine Resources and Links: https://www.empower.com/the-currency/money/secret-success-research https://heavymetal.money/genzsalary/ Please Like, subscribe and share wherever you get your podcasts and on YouTube!  --- Support this podcast: https://podcasters.spotify.com/pod/show/heavymetalmoney/support

Life insurance is one of those things we should include for a solid financial plan. These can give you peace of mind. You know your family and loved ones will be taken care of if something happens to you. This episode Dan and Chris jam through some of differences between whole life vs term policies, and  why Whole Life Insurance can be good for High Net Worth Individuals Contact Chris: https://heavymetal.money ⁠https://www.facebook.com/MoneyHeavyMetal⁠ https://x.com/MoneyHeavyMetal ⁠https://www.instagram.com/chrisluger⁠ ⁠https://www.tiktok.com/@heavymetalmoney⁠ email: chris at heavymetal.money Contact Dan: email: dan at corepln.com https://www.corepln.com/dan-hine Resources and Links: https://heavymetal.money/lifeinsurance/ Please Like, subscribe and share wherever you get your podcasts and on YouTube!  --- Support this podcast: https://podcasters.spotify.com/pod/show/heavymetalmoney/support

In this episode we talk thought the differences between being effective and being efficient, and how it relates to your financial goals! These two concepts are not the same. Let's break them down, and better understand what it means to be both efficient and effective. Especially when it comes to our financial goals.  Efficiency: Being efficient is about doing things right. It means getting the most out of your resources with the least waste. For example, automating your savings or optimizing your budget can help you save money efficiently. Effectiveness: Being effective is about doing the right things. It means achieving your goals and desired outcomes. But this can even mean by using more resources. For instance, saving for retirement or investing wisely can help you achieve your financial goals effectively. Contact Chris: https://heavymetal.money ⁠https://www.facebook.com/MoneyHeavyMetal⁠ https://x.com/MoneyHeavyMetal ⁠https://www.instagram.com/chrisluger⁠ ⁠https://www.tiktok.com/@heavymetalmoney⁠ email: chris at heavymetal.money Contact Dan: email: dan at corepln.com https://www.corepln.com/dan-hine Resources and Links: https://heavymetal.money/efficient/ Please Like, subscribe and share wherever you get your podcasts and on YouTube!  --- Support this podcast: https://podcasters.spotify.com/pod/show/heavymetalmoney/support

In this episode we jam on a recent reeport that explores the idea that Gen Z adults are less likely to save for retirement due to financial struggles and a different view of retirement. Only 20% of Gen Z respondents are saving for retirement, with 36% citing high debt or low income as the primary reason. Despite the challenges, 66% of Gen Z savers are using 401(k)s, and 84% report saving a portion of their income each month. We also talk about the concept of retirement emerged in the late 19th century with the introduction of pensions in Germany. Initially, pensions were offered to military personnel and later expanded to include civilians. Today, governments face challenges in funding pension plans due to increasing life expectancy and longer retirement periods. Contact Chris: https://heavymetal.money https://www.facebook.com/MoneyHeavyMetal https://x.com/MoneyHeavyMetal https://www.instagram.com/chrisluger https://www.tiktok.com/@heavymetalmoney email: chris at heavymetal.money Contact Dan: email: dan at corepln.com https://www.corepln.com/dan-hine Resources and Links: https://www.seattletimes.com/nation-world/a-brief-history-of-retirement-its-a-modern-idea/ https://www.foxbusiness.com/personal-finance/growing-share-gen-z-adults-dont-think-theyll-retire-only-20-saving.amp https://www.tiaa.org/content/dam/tiaa/institute/pdf/insights-report/2024-09/from-gap-years-to-golden-years_ollen-raymond-strickland-watson.pdf Ikigai Book https://www.amazon.com/Ikigai-Japanese-Secret-Long-Happy/dp/0143130722 --- Support this podcast: https://podcasters.spotify.com/pod/show/heavymetalmoney/support

As we begin on our path to financial freedom can feel totally overwhelming, especially if you're just starting out. However, managing your personal finances is much like learning and mastering any other skill in life. With patience, practice, and persistence, you can build a strong financial foundation, meet and exceed your financial goals, and even retire early! Let's take a look how personal finance compares to other areas of life and how you can apply these lessons to achieve those financial goals. Contact Chris: https://heavymetal.money https://www.facebook.com/MoneyHeavyMetal https://x.com/MoneyHeavyMetal https://www.instagram.com/chrisluger https://www.tiktok.com/@heavymetalmoney email: chris at heavymetal.money Contact Dan: email: dan at corepln.com https://www.corepln.com/dan-hine Resources and Links: https://heavymetal.money/financejourney/ --- Support this podcast: https://podcasters.spotify.com/pod/show/heavymetalmoney/support

Why is it a good idea to have an emergency fund?  How to fund and where to stash your cash.   Contact Chris: https://heavymetal.money https://www.facebook.com/MoneyHeavyMetal https://x.com/MoneyHeavyMetal https://www.instagram.com/chrisluger https://www.tiktok.com/@heavymetalmoney email: chris at heavymetal.money Contact Dan: email: dan at corepln.com https://www.corepln.com/dan-hine Resources and Links: https://heavymetal.money/emergencyfund/ https://giveamile.org --- Support this podcast: https://podcasters.spotify.com/pod/show/heavymetalmoney/support

Dan and Chris share some tips and tricks to saving money on everyday items, from groceries, dining out, streaming services and entertainment, and auto repair! Contact Chris: https://heavymetal.money https://www.facebook.com/MoneyHeavyMetal https://x.com/MoneyHeavyMetal https://www.instagram.com/chrisluger https://www.tiktok.com/@heavymetalmoney email: chris at heavymetal.money Contact Dan: email: dan at corepln.com https://www.corepln.com/dan-hine Resources and Links: https://heavymetal.money/savemoney/ https://www.ramseysolutions.com/budgeting/how-to-save-money-every-month --- Support this podcast: https://podcasters.spotify.com/pod/show/heavymetalmoney/support

Chris and Dan debunk some myths and help those better understand how tax brackets work and income tax is calculated! Contact Chris: https://heavymetal.money https://www.facebook.com/MoneyHeavyMetal https://x.com/MoneyHeavyMetal https://www.instagram.com/chrisluger https://www.tiktok.com/@heavymetalmoney email: chris at heavymetal.money Contact Dan: email: dan at corepln.com https://www.corepln.com/dan-hine Resources and Links: https://heavymetal.money/taxbrackets/ https://www.irs.gov/filing/federal-income-tax-rates-and-brackets https://www.fidelity.com/learning-center/personal-finance/how-do-tax-brackets-work --- Support this podcast: https://podcasters.spotify.com/pod/show/heavymetalmoney/support

Dan and Chris discuss why we shouldn't pay attention to these articles that claim starter homes are a million dollars! Contact Chris: https://heavymetal.money https://www.facebook.com/MoneyHeavyMetal https://x.com/MoneyHeavyMetal https://www.instagram.com/chrisluger https://www.tiktok.com/@heavymetalmoney email: chris at heavymetal.money Contact Dan: email: dan at corepln.com https://www.corepln.com/dan-hine Resources and Links: https://www.cbsnews.com/amp/news/starter-home-1-million-cities-us/ --- Support this podcast: https://podcasters.spotify.com/pod/show/heavymetalmoney/support

Contact Chris: https://heavymetal.money https://www.facebook.com/MoneyHeavyMetal https://x.com/MoneyHeavyMetal https://www.instagram.com/chrisluger https://www.tiktok.com/@heavymetalmoney email: chris at heavymetal.money Contact Dan: email: dan at corepln.com https://www.corepln.com/dan-hine Dan and Chris jam on the recent market decline, and why it really shouldn't matter for most of us!  Resources and Links: https://heavymetal.money/how-to-invest-during-a-decline/ https://www.cbsnews.com/news/online-trading-downdetector-charles-schwab-fidelity/ --- Support this podcast: https://podcasters.spotify.com/pod/show/heavymetalmoney/support

Many Americans are struggling to make ends meet. Dan & Chris discuss why this is, and some tips on how to help pay your bills Contact Chris: https://heavymetal.money https://www.facebook.com/MoneyHeavyMetal https://x.com/MoneyHeavyMetal https://www.instagram.com/chrisluger https://www.tiktok.com/@heavymetalmoney email: chris at heavymetal.money Contact Dan: email: dan at corepln.com https://www.corepln.com/dan-hine Resources and Links: https://heavymetal.money/struggle/ https://www.cnn.com/2024/07/23/business/inflation-cost-of-living-cnn-poll/index.html --- Support this podcast: https://podcasters.spotify.com/pod/show/heavymetalmoney/support

Simplify Your Finances: Tricks for a Simple Budget What budgeting method works best for you? The one you actually use. There are so many ways to budget for money. Is it zero-based budget? Is is 50/30/20 budget? Maybe you hate budgeting and want to use something called the Anti-Budget. Contact Chris: https://heavymetal.money https://www.facebook.com/MoneyHeavyMetal https://x.com/MoneyHeavyMetal https://www.instagram.com/chrisluger https://www.tiktok.com/@heavymetalmoney email: chris at heavymetal.money Contact Dan: email: dan at corepln.com https://www.corepln.com/dan-hine Resources: https://heavymetal.money/simplebudget/ #personalfinance #money #recession #economy #podcast #budget #budgeting --- Support this podcast: https://podcasters.spotify.com/pod/show/heavymetalmoney/support

Contact Chris: https://heavymetal.money Heavy Metal Money on Facebook Heavy Metal Money on X Heavy Metal Money on Instagram Heavy Metal Money on YouTube Heavy Metal Money on TikTok Email Chris Contact Dan: Email Dan https://www.corepln.com/dan-hine Welcome to the newly branded and relaunched podcast! We are calling this the Extreme Personal Finance Show. How rad! Right? Dan and Chris explore if we are, or not in an economic recession. But most importantly, does it really matter and should we be concerned?  Resources: https://heavymetal.money/recession/ https://heavymetal.money/glossary/ --- Support this podcast: https://podcasters.spotify.com/pod/show/heavymetalmoney/support

Contact: https://heavymetal.money Heavy Metal Money on Facebook Heavy Metal Money on Twitter Heavy Metal Money on Instagram Heavy Metal Money on YouTube Heavy Metal Money on TikTok Email Me I'm wicked-excited as we begin a series with Justin from the Road to Wealth Podcast around mindset and being able to "fail better". Justin and I go through one another's past and present endeavors around how we view failure and our methods of overcoming. We touch on a number of topics, and can't wait for more collaborations with Justin. Go check out his podcast and follow him on social! Road To Wealth Podcast Twitter: @roadtowealthpod Some things we talked about: Taking Stock: A Hospice Doctor's Advice on Financial Independence, Building Wealth, and Living a Regret-Free Life https://jordangrumet.com Build a tower, build a team WITH Tom Wujec Memento Calendar Poster Weeks of My Life Poster --- Support this podcast: https://anchor.fm/heavymetalmoney/support

Contact: https://heavymetal.money Heavy Metal Money on Facebook Heavy Metal Money on Twitter Heavy Metal Money on Instagram Heavy Metal Money on YouTube Heavy Metal Money on TikTok Email Me Do You Need To Go To College? Can You Get Ahead without a College Degree? The US Department of Education's National Center for Education Statistics (NCES) states those with a bachelor's degree was around $55,000 a year, and this is about 59 percent higher than the earnings of those who completed high school, at about $35,000 per year. I know that many people discuss the importance of college and continuing education. I am an advocate of going to college, getting an education, and being an active member contributing to society. I also don't think anyone should finish school with $40k, $60k, or $100k, or more in student debt. There is a wicked problem with the ever-growing student debt crisis. Yes, I did say “crisis”. Forbes reported that total US student debt was about $1.52 trillion and that 44.2 million people owed debt, with average individual student debt at about $38,000! Heavy Metal Money Blog - Do I Need A College Degree? #debt #studentdebt #college --- Support this podcast: https://anchor.fm/heavymetalmoney/support

Contact: https://heavymetal.money Heavy Metal Money on Facebook Heavy Metal Money on Twitter Heavy Metal Money on Instagram Heavy Metal Money on YouTube Heavy Metal Money on TikTok Email Me Are You Frugal or Cheap? What's the Difference Between Frugal or Cheap? Have you been accused of being a tightwad? Have people told you, you are cheap? Do you think you are cheap or frugal? What's the difference? Do you drive across town to save five cents on gas? Would buy expired food? If you use a coupon to eat out, is that being frugal or cheap? I remember this hilarious episode of the TV Show The Middle where they were diluting the fruit juice with more water to make it last longer. When does being frugal go too far? I think: BEING FRUGAL IS BEING INTENTIONAL WITH HOW YOU SPEND YOUR MONEY, YOUR TIME, AND OTHER RESOURCES What are your thoughts? Let's comment below. I wanna hear your stories! #frugal #cheap #savemoney --- Support this podcast: https://anchor.fm/heavymetalmoney/support

Contact: https://heavymetal.money Heavy Metal Money on Facebook Heavy Metal Money on Twitter Heavy Metal Money on Instagram Heavy Metal Money on YouTube Heavy Metal Money on TikTok Email Me 015 - Save Money On Electricity At Peak Times https://heavymetal.money/peakusage/ It's super easy, to participate in your electric company's Peak Rebate Program! You can earn $1 rebate for every kilowatt-hour (kWh) of energy that you can save! A notification is sent via email and text that a Peak Time Event is goin to happen. This typically is received a day or two head of time. These events are a few hours long. For example; 4pm-7pm. They encourage you to not consume excess amounts of electricity during these times. Some Things You Can Do to Save Electricity: Turn off appliances. Pre-cool your home ahead of the event Delay using your electric stove/oven. Turn off all incandescent lights. Unplug phantom loads – like game stations, TVs, chargers, etc. Schedule and turn off Central Air Conditioner and other unnecessary lights, TVs, and electronics during this time. Including phantom power suckers! These are those devices that can even sip power while OFF or Sleeping, but still plugged in. So, pull the plug! There are areas where I have a TV, DVD, and game consoles all plugged into a surge protector where I can flick a switch to STOP THESE POWER HUNGRY ELECTRICITY VAMPIRES! I may choose to run errands and be out of the house during this time. I'll make sure blinds and curtains are pulled on those sides of the house that get hit by sun. I'll choose to be in the basement It has been kind of like a game, to see how munch savings, or what my rebate will be for the week. While this initially doesn't seem like much, these add up over time. If I can be saving approximately $5.00 per week just for turning off my AC for a few hours, that's $20 a month, or MORE! Dude! That's more for groceries, a couple movie rentals, or meal out. SCORE! --- Support this podcast: https://anchor.fm/heavymetalmoney/support

Contact: https://heavymetal.money Heavy Metal Money on Facebook Heavy Metal Money on Twitter Heavy Metal Money on Instagram Heavy Metal Money on YouTube Heavy Metal Money on TikTok Email Me https://heavymetal.money/spend-on-value/ http://www.fiveoclocksteakhouse.com/menus/dinner-menu/ I headed down to Milwaukee for the day to catch a great Metal show by Steel Panther. It was their Very Hairy Christmas Show just before the holidays! It was at one of my favorite venues, The Rave, downtown Milwaukee. In my planning, I had asked my uncle if he'd be around to drop me at the Airport. Keep in mind, he lives less then a mile from me, and is always up super early. Schedules didn't work out, and he had questioned me, “why don't you just park at the airport?” Normally, I do park at the airport for work-related trips. But this was for pleasure. This was a personal trip that I'd be paying for. Parking at the airport is $22/day! I understand that I could park a little further away, and save some money. One thing that I value most is my time. Time is so very precious, and I'll do what I can, and sometimes pay for me to save on this extremely valuable resource. This is why I typically park at the attached ramp at the airport, use Clear and TSA PreCheck to pass through security, in literally, a few minutes. Clear is worth every penny to me! If you use this link, to try it for a couple months, I'll get a couple for free too! --- Support this podcast: https://anchor.fm/heavymetalmoney/support

Contact: https://heavymetal.money Heavy Metal Money on Facebook Heavy Metal Money on Twitter Heavy Metal Money on Instagram Heavy Metal Money on YouTube Heavy Metal Money on TikTok Email Me https://heavymetal.money/shopnamebrand/ https://www.bobvila.com/articles/water-hammer/ https://heavymetal.money/ways-i-save/ I have spoken many times about shopping generic can save you money. In this previous post, we discussed how the price differences on many things, and when generic is perfectly fine. I do mention that for some things, it is better to shop brand name. There are times when you paying more for a higher quality product is best. You'll get longevity, durability and perhaps even have it more effective. This was so crazy… First, I'd like to express that in no way am I a plumber, and would attempt any complex plumbing work without a certified contractor to complete the work. However, I had to replace a leaky shower faucet cartridge, and it was simple enough. I head to my local home improvement store, and I have two options: A third-party replacement cartridge for $26.22 A Name Brand Delta replacement cartridge for $50.73 You probably know where this story is going… --- Support this podcast: https://anchor.fm/heavymetalmoney/support

Contact: https://heavymetal.money Heavy Metal Money on Facebook Heavy Metal Money on Twitter Heavy Metal Money on Instagram Heavy Metal Money on YouTube Heavy Metal Money on TikTok Email Me https://heavymetal.money/get-paid-while-you-drive-to-work/ https://wrapify.com https://www.sidehustlenation.com Wouldn't it be wonderful if you could earn a little extra cash as you just drove from one place to another? Let's say you were driving from one business meeting to another, and during that time you could earn real cash. Especially in these crazy times of high gas prices. That's what the company Wrapify can help you do. It turns your vehicle into a traveling billboard. As you drive within a designated area, you can earn money per mile, and it can add up. --- Support this podcast: https://anchor.fm/heavymetalmoney/support

Contact: https://heavymetal.money Heavy Metal Money on Facebook Heavy Metal Money on Twitter Heavy Metal Money on Instagram Heavy Metal Money on YouTube Heavy Metal Money on TikTok Email Me Can I Retire by age 55? https://heavymetal.money/can-i-retire-by-age-55/ Downsizing and Decluttering https://heavymetal.money/decluttering/ 40 BAGS IN 40 DAYS DECLUTTERING CHALLENGE https://www.whitehouseblackshutters.com/40-bags-in-40-days/ Books Referenced Here: The Minimalist Home: A Room-by-Room Guide to a Decluttered, Refocused Life https://books.apple.com/us/audiobook/the-minimalist-home-a-room-by-room-guide-to/id1444932484 The Life-Changing Magic of Tidying Up: The Japanese Art of Decluttering and Organizing https://books.apple.com/us/audiobook/the-life-changing-magic-of-tidying-up-the/id1424474611 Making Space: Creating a Home Meditation Practice https://books.apple.com/us/audiobook/making-space-creating-a-home-meditation-practice/id1420685347 Essentialism: The Disciplined Pursuit of Less https://books.apple.com/us/audiobook/essentialism-the-disciplined-pursuit-of-less-unabridged/id1417770295 Decluttering at the Speed of Life https://books.apple.com/us/audiobook/decluttering-at-the-speed-of-life/id1441465447 How to scan documents on your iPhone, iPad, or iPod touch https://support.apple.com/en-us/HT210336 I had started a plan to have the option to retire by the age of 55. For the past year or so, I've been slowly decluttering, organizing, and becoming more of a minimalist. I just cringe at the thought of moving and transporting all the belongings that had to overflow from my closets, drawers, and shelves. Another reason to trim down is there will be a time when I do leave this earth, let's be real. We all do die at some point. I remember when my father passed away, I worked for weeks going through his home. It was an emotional time, but also very stressful with figuring out what to keep, what to toss, donate or sell. Then, years after his passing I still had bins and boxes of things I kept and put in my own garage. Now I'm challenged with going through all this stuff again. I'd like to not leave these experiences for my children. I'm going to do what I can to simplify my life and my belongings to ease any burden left on my kids and family when I pass away. --- Support this podcast: https://anchor.fm/heavymetalmoney/support

Contact: https://heavymetal.money Heavy Metal Money on Facebook Heavy Metal Money on Twitter Heavy Metal Money on Instagram Heavy Metal Money on YouTube Heavy Metal Money on TikTok Email Me --- Support this podcast: https://anchor.fm/heavymetalmoney/support

In this post, I wanted to share how I almost fell for a romance scam. After listening to the recent podcast, How to Money with Joel and Matt. Their Episode 485, Sneakier Scams Targeting Younger Folks, talked about several different scams, and tips on how to protect yourself. https://heavymetal.money/romancescam/ Being a single guy, I occasionally use current dating apps in hopes of finding a potential match. In this particular situation, I was using the App Hinge. You've probably seen their commercials, with the tagline, “The App That Wants To Be Deleted.” Contact: https://heavymetal.money Heavy Metal Money on Facebook Heavy Metal Money on Twitter Heavy Metal Money on Instagram Heavy Metal Money on YouTube Heavy Metal Money on TikTok Email Me --- Support this podcast: https://anchor.fm/heavymetalmoney/support

https://heavymetal.money/rvrentals/ In this post, we'll talk through what it means to rent your camper or RV, how much time and effort it can take, and understand how much money you can actually make. Keep in mind, this is just my experience and your mileage may vary. The camper I rent is a 2016 Salem CruiseLite 21Ft Trailer. The attraction of this particular model is it's approximately 3000lbs. It can be towed by many V6 vehicles. I found and purchased this camper on craigslist for just over $9k. I've experimented with a couple different sites/platforms, marketing, as well as pricing. I've found that keeping my rates lower, equates to more consistent rentals throughout the season. Let's break down this past weekend rental: 1 Hour for return/prep 30 minutes for instruction and send off After all fees and commissions $255 was transferred to my bank account. Contact: https://heavymetal.money Heavy Metal Money on Facebook Heavy Metal Money on Twitter Heavy Metal Money on Instagram Heavy Metal Money on YouTube Heavy Metal Money on TikTok Email Me --- Support this podcast: https://anchor.fm/heavymetalmoney/support