Extreme Personal Finance Show

By Chris Luger

Personal finance doesn't have to be boring. We refuse to let it be.

The Extreme Personal Finance Show is where financial independence meets a crushing guitar riff. I'm Chris, early

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FAQs about Extreme Personal Finance Show:

How many episodes does Extreme Personal Finance Show have?

The podcast currently has 127 episodes available.

Extreme Personal Finance Show episodes:

July 22, 2024 How to Simplify Your Budget: Best Tricks for Easy Money Management | 021
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:
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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
Contact Chris:
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email: chris at heavymetal.money
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44min
July 15, 2024 Are We In An Economic Recession Right Now | 020
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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/

Contact Chris:
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email: chris at heavymetal.money
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20min
July 21, 2022 How to Fail Better at Building Wealth with Justin from The Road to Wealth Podcast | 019
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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
Contact Chris:
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email: chris at heavymetal.money
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45min
June 01, 2022 Do You Need College to Get Ahead Financially Without Student Debt | 017
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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
Contact Chris:
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email: chris at heavymetal.money
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12min
May 17, 2022 What's the Difference Between Frugal and Cheap | 016
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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
Contact Chris:
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email: chris at heavymetal.money
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4min
May 02, 2022 How to Save Money On Electricity Even During Peak Usage Times | 015
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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!
Contact Chris:
https://heavymetal.money
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email: chris at heavymetal.money
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6min
April 25, 2022 How to Spend Money on What You Value and Stop Wasting on What You Don't | 014
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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!
Contact Chris:
https://heavymetal.money
https://www.instagram.com/heavy_metal_money/
https://www.youtube.com/@heavymetalmoney
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email: chris at heavymetal.money
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10min
April 18, 2022When to Buy Name Brand vs Generic Products to Save Money Long Term | 013
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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…
Contact Chris:
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email: chris at heavymetal.money
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10min
April 11, 2022 How to Get Paid to Drive: Make Money While Commuting and Driving Around Town | 012
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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.
Contact Chris:
https://heavymetal.money
https://www.instagram.com/heavy_metal_money/
https://www.youtube.com/@heavymetalmoney
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email: chris at heavymetal.money
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7min
April 04, 2022 How to Declutter and Downsize Your Stuff for Financial Freedom | 011
Contact:
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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.
Contact Chris:
https://heavymetal.money
https://www.instagram.com/heavy_metal_money/
https://www.youtube.com/@heavymetalmoney
https://www.facebook.com/chrisluger

email: chris at heavymetal.money
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24min

FAQs about Extreme Personal Finance Show:

How many episodes does Extreme Personal Finance Show have?

The podcast currently has 127 episodes available.