Most people believe saving for retirement means sacrificing their lifestyle today. But what if you could build long-term wealth and boost your cash flow right now? Rich Lennon challenges the common fear that growing your IRA means losing front pocket income and shows why the opposite can actually be true.

In this episode of Growing the Money, Rich Lennon breaks down the difference between “front pocket money”, the cash you live on daily, and “back pocket money”, the wealth waiting to grow inside your IRA. He explains how to balance both without feeling like you’re giving something up, why self-directed IRAs are powerful wealth-building tools, and how compounding returns can turn even small contributions into a financial breakthrough.

You’ll Learn How To:

• Understand the key differences between front and back pocket money
• Use self-directed IRAs to grow wealth without relying on Wall Street
• Apply the “Rule of 72” to estimate how fast your money can double
• Avoid the mindset that retirement investing limits your lifestyle
• Create a long-term strategy that supports both present needs and future growth

Who This Episode Is For:

• Entrepreneurs and W2 earners looking to accelerate retirement growth
• Investors are curious about self-directed IRAs and how to control their money
• Anyone who feels “behind” in building their wealth
• Listeners who want a smarter way to balance cash flow and future freedom

Why You Should Listen:
Rich reveals the overlooked truth: investing in your IRA doesn’t take away from your front pocket — it can actually strengthen it. If you’ve ever felt intimidated by retirement planning or unsure where to start, this episode will change how you see your financial future. You’ll leave inspired to take control of your money, build real momentum, and grow wealth on your own terms.

What You’ll Learn in This Episode:

[00:00] You can grow retirement wealth without hurting your daily cash flow

[01:00] Self-directed IRAs give you control over your investments — no banks, no Wall Street

[03:00] You must grow front pocket money and back pocket money at the same time for long-term success

[04:00] Front pocket money supports daily needs like bills and essentials

[05:00] Back pocket money grows from investments and the efforts of others

[06:00] Why $250K in your IRA puts you ahead of most people

[07:00] How the Rule of 72 turns patience into power

[09:00] How helping others with your wealth strengthens your own front pocket

Follow Rich Lennon here:
Website: https://richlennon.com/
Facebook: https://www.facebook.com/rich.lennon.121
Instagram: https://www.instagram.com/richlennon92/