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:

February 07, 2025How to Pay for College Without Student Loan Debt | 041
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 does
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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36min
January 31, 2025 Why NVIDIA's Stock Crash Shows Index Funds Beat Stock Picking | 040
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/

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
...more
26min
January 27, 2025 Why Health Savings Accounts Are the Ultimate Tax-Advantaged Investment Tool | 039
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/
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
...more
29min
January 17, 2025 High-Paying Trade Jobs That Don't Require a College Degree | 038
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__-
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
...more
43min
January 09, 2025 How to Avoid the Sunk Cost Fallacy and Stop Throwing Good Money After Bad | 037
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!

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
...more
26min
January 03, 2025 How to Create Purpose and Live a Fulfilling Life with Dr. Jordan Grumet | 036
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 Substack
https://jordangrumet.substack.com/subscribe

Stacking Benjamins Podcast
https://www.stackingbenjamins.com/listen/

Please Like, subscribe and share wherever you get your podcasts and on YouTube!
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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20min
December 20, 2024 How to Avoid Impulse Spending and Stop Wasting Money | 035
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!
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
...more
32min
December 13, 2024 What is the 4% Rule and Why It Matters for Retirement Planning | 034
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!

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
...more
35min
December 06, 2024 How to Review Your Finances and Start the New Year Strong | 033
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!

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
...more
29min
November 29, 2024 How Much Do You Need to Earn to Feel Financially Successful | 032
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!
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
...more
46min

FAQs about Extreme Personal Finance Show:

How many episodes does Extreme Personal Finance Show have?

The podcast currently has 127 episodes available.