Marriage Kids and Money: Personal Finance for Families

Emily Egashira grew her family’s net worth to $2.2 million by age 35. But her story didn’t start there.

Growing up in poverty, Emily experienced financial instability firsthand and was determined to create a different future for her family. In this episode, we explore how she and her husband built wealth through intentional spending, consistent investing, and a shared vision for financial independence.

Emily shares how they increased their household income from $120,000 to more than $400,000, paid off their mortgage in just three years, and built a seven-figure investment portfolio. We also discuss financial communication in marriage, raising a child with healthy money values, and using wealth as a tool to create freedom and generosity.

If you've ever wondered how to build wealth without lifestyle inflation or how financial independence can create more options for your family, this conversation is for you.

Want to build wealth and design a life around what matters most? Grab our book Own Your Time: https://marriagekidsandmoney.com/book

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What happens after you reach Coast FIRE?

For years, you save aggressively, maximize retirement accounts, and build wealth with one goal in mind: hitting your investment goal. But once you arrive at Coast FIRE—Coast to Financial Independence and Relax Early—a new question emerges:

Now what?

In this episode, we answer a thoughtful listener question from Richard, who has built a seven-figure net worth with his wife but feels stuck in a sales career that’s wearing him down. We discuss how to actually act on Coast FIRE, the four career paths available after reaching the milestone, and how to use the financial strength you’ve built to create more freedom and margin in your life today.

Then, we welcome back retirement expert Jesse Cramer to discuss an important and often-overlooked topic: Social Security benefits after divorce. We cover how spousal and survivor benefits work, eligibility requirements, common misconceptions, and what divorced spouses need to know when planning for retirement.

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Host: Andy Hill

Podcast Support: Michelle Ahmed

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What would it feel like to never make a mortgage payment again? In this episode, we talk with Bobby Richardson from New Jersey about how he and his wife Alexandra paid off their $242,000 mortgage in just 10 years and became completely debt free on their home.

We discuss the emotional side of homeownership, the desire for certainty in an uncertain world, and why becoming mortgage free gave their family peace of mind. Bobby also shares the practical strategies they used to make it happen, including increasing their income, staying aligned as a couple, and maintaining an achievement mindset throughout the journey.

If you’ve ever wondered whether paying off your mortgage early is worth it, this conversation will give you a transparent look at both the math and the meaning behind becoming mortgage free.

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Simone Stolzoff’s new book: How to Not Know - ⁠https://amzn.to/420WLhp⁠ (affiliate)

Uncertainty is everywhere right now. From economic shifts and global conflict to career changes and parenting decisions, many of us are craving answers in a world that feels increasingly unpredictable. In this episode, we sit down with author and journalist Simone Stolzoff to discuss how we can become more comfortable with uncertainty instead of constantly trying to eliminate it.

Simone shares insights from his new book, How to Not Know: The Value of Uncertainty in a World That Demands Answers, and explains why our obsession with certainty may actually be fueling anxiety. We discuss how technology has changed our tolerance for the unknown, why discomfort can lead to growth, and practical ways to build resilience in uncertain times.

If you’ve been feeling overwhelmed by the future, this conversation will help you slow down, breathe deeper, and rethink your relationship with uncertainty.

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Ben Johnson grew his family’s net worth to $1.8 million by age 34 through high income skills, consistent investing, and disciplined saving.

In this episode, we discuss how Ben and his wife paid off $80,000 of debt in just two years, increased their household income from $110,000 to more than $250,000, and built a seven figure investment portfolio while raising two young daughters.

We explore the power of tracking your net worth, investing in low cost index funds, and staying focused during the “messy middle” of family life. We also talk about why supply chain careers can be lucrative, how generosity plays a role in their financial plan, and why discipline matters more than motivation when building wealth.

If you want practical guidance on increasing your income, growing your investments, and building long term family wealth, this episode is for you.

Want to build wealth and design a life around what matters most? Grab my book Own Your Time: https://marriagekidsandmoney.com/book

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Coast FIRE can be an incredible milestone, but what happens when the math, lifestyle, or motivation behind it starts to fall apart?

In this episode, we talk with Bo Hanson, co-host of The Money Guy Show and partner/co-founder of Abound Wealth Management, about where Coast FIRE can go wrong and how families can avoid common mistakes.

Bo shares why conservative assumptions matter, how lifestyle inflation can change your Coast FIRE numbers, and why it’s important to know what you’re actually moving toward before you take your foot off the gas. We also discuss marriage, kids, tax diversification, burnout, and how to build a financial plan that supports a fulfilling life today and tomorrow.

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Have you reached Coast FIRE (Coast to Financial Independence and Relax Early)… but still can’t bring yourself to slow down?

Today’s listener, Chris, is in that exact spot.

At 36 years old with $860,000 invested, two young kids, and a strong financial foundation, he’s done the math. He knows he’s on track. But mentally, he can’t shake the feeling that if he stops investing, he’s falling behind.

In this episode, we break down a 5-step approach to confidently step into Coast FIRE and start reclaiming your time today:

• Why this isn’t a math problem — it’s a belief problem

Then, in the second half of the episode, we are joined by financial planner and author Jamie Bosse to discuss how to raise financially confident kids:

• When to start teaching kids about money

If you’ve ever thought, “I know I have enough… but I can’t slow down,” or you want to raise financially savvy kids — this episode is for you.

📘 Investing for Tweens by Jamie Bosse
https://amzn.to/41Q4lev

📘 Own Your Time by Andy Hill
https://marriagekidsandmoney.com/book

🎤 Leave a question for the show
https://marriagekidsandmoney.com/voicemail

Instagram: @marriagekidsandmoney

Podcast Credits:

Guest: Jamie Bosse

Podcast Support: Michelle Ahmed

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Abhi Jain has built a $1.3 million net worth by age 38 through a combination of career growth, side hustles, and real estate investing.

In this episode, Abhi shares how he went from a traditional employee mindset to accelerating his income through strategic job changes and multiple streams of income. After moving to the United States from India, he leaned into opportunity, developed new skills, and embraced discomfort to grow both professionally and financially.

We talk about how he and his wife work together as a team, combining his corporate career in software engineering with her creative business to increase their household income. Abhi also breaks down how real estate became the foundation of his wealth, including buying fixer uppers, building rental income, and scaling his portfolio across multiple states.

If you are looking to grow your income, invest in real estate, or build generational wealth for your family, this conversation offers both practical strategies and inspiring perspective.

Want to build wealth and design a life around what matters most? Grab my book Own Your Time: https://marriagekidsandmoney.com/book

In This Episode You’ll Learn:

Resources Mentioned:

Podcast Credits:

Podcast Support: Michelle Ahmed

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What does it take to reach Coast FIRE by your mid-30s and actually enjoy the freedom that comes with it?

In this episode, we sit down with personal finance educator Liz Enriquez from Ambitious Adulting to discuss how she and her husband reached Coast FIRE with nearly $1 million invested by age 35. We break down the habits, mindset, and income strategies that helped them build wealth over nearly two decades, starting with small contributions and growing into a powerful investing system.

Liz shares how growing up in an immigrant household shaped her money mindset, why she focused on maintaining a high savings rate early on, and how multiple income streams accelerated their progress. We also dive into the Canadian investing landscape, including TFSAs, RRSPs, and how to think about diversification across accounts.

Now that they’ve reached Coast FIRE, Liz opens up about the emotional side of slowing down, reducing their savings rate, and designing a more flexible lifestyle. From her husband leaving a high-stress job to work part-time at a pizza shop to prioritizing time with their son, this conversation highlights what life can look like when your investments are working for you.

If you’re working toward financial independence or wondering what happens after you hit your number, this episode will give you both the strategy and the perspective to keep going.

Resources & Links

Ambitious Adulting (Liz Enriquez): https://www.instagram.com/ambitiousadulting/
Coast FIRE Calculator: https://marriagekidsandmoney.com/calculators/coast-fire/
Own Your Time (Andy’s Book): https://marriagekidsandmoney.com/book

Credits

Host: Andy Hill

Podcast Support: Michelle Ahmed

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When work starts to take over your life, it can impact more than just your schedule. It can affect your health, relationships, and overall happiness. In this episode, we interview psychologist and bestselling author Guy Winch to explore how to reclaim balance in a world that rewards overworking.

We discuss why overworking has become so common, how it affects our mental and physical well-being, and what practical steps you can take to regain control. Guy shares simple, science-backed strategies to help you set boundaries, quiet your mind after work, and reconnect with the parts of your life that matter most.

If you’ve ever felt like work is crowding out everything else, this conversation will help you reset, refocus, and build a healthier relationship with your time. Learn more in Guy’s latest book, Mind Over Grind → https://amzn.to/48zLic2

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