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How much money should you have saved by your 20s, 30s, 40s, and 50s? Brian and Bo break down net worth by age, retirement savings benchmarks, investing goals, and wealth-building strategies for your 20s, 30s, 40s, and 50s. See how your finances compare, what net worth targets to aim for, and how priorities like emergency savings, investing 25%, buying a home, tax optimization, catch-up contributions, and retirement planning change over time. Whether you’re wondering how much should I have saved by 30, 40, or 50, trying to become a millionaire, or building toward financial independence, this is your decade-by-decade roadmap to building wealth.

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⁠⁠⁠⁠Retirement planning may need a major rethink as longer lifespans and earlier retirement stretch what was once a standard 30-year retirement into 40 years or more. Rebie and Bo explain how longevity risk, inflation, bear markets, healthcare expenses, required minimum distributions, Social Security taxes, Medicare IRMAA surcharges, and the widow’s tax can affect your retirement income. Plus, learn how tax diversification, the three-bucket strategy, HSA investing, and strategic Roth conversions can help create a more resilient retirement plan. If you’re wondering how much you need to retire, when to retire, or how to make retirement savings last, this is where to start.

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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At 27 years old, Melissa has already built a $61,000 net worth on a $65,000 salary—proving you don't need a six-figure income to build wealth. Brian and Bo break down her investing strategy, Roth IRA contributions, 401(k), HSA, emergency fund, car loan, and savings rate while showing how small financial decisions compound into long-term financial independence. They also discuss the Financial Order of Operations (FOO), whether to prioritize investing or paying off debt, and how someone earning a moderate income can still become a millionaire through consistent investing and smart money habits. If you're building wealth in your 20s or 30s, this episode offers practical personal finance lessons you can apply today.

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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Behind on retirement savings or starting to invest later in life? Brian and Bo break down how to catch up on retirement in your 40s and 50s, including how much you should have saved by age, retirement savings rates, 401(k) and Roth IRA strategies, catch-up contributions, Social Security, and the power of working longer. You’ll see how increasing your savings rate, reducing high-interest debt and fixed expenses, and growing your income can dramatically change your retirement trajectory. If you feel behind financially, learn the practical steps that can help you build wealth, invest for retirement, and create a realistic financial independence plan.

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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How much do you actually need to retire—and are your retirement savings on track today? We’re introducing the new Know Your Number retirement calculator, a completely free tool designed to help you estimate how much money you may need for retirement based on your age, spending, current investments, annual contributions, retirement age, expected returns, and withdrawal rate. We’ll walk through retirement planning examples for someone starting at 25, navigating the messy middle at 33, and catching up at 40. Whether you’re calculating your retirement number, evaluating your savings rate, or building a long-term investment plan, this tool can help you understand your next move.⁠⁠⁠⁠

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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Financial advice on YouTube can sound convincing—but should you actually follow it? Brian and Bo react to viral money advice about 401(k) loans, investing, credit cards, covered calls, tax deductions, 529 plans, home buying, saving money, and building wealth. They break down which personal finance tips hold up, which leave out important risks, and why boring long-term investing can beat complicated strategies. If you’re trying to improve your finances, invest for retirement, build credit, reduce taxes responsibly, or reach financial independence, these real-world reactions can help you separate useful money advice from financial advice that sounds better than it really is.

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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This episode brought to you by Abound Wealth. Take the relationship to the next level and become a client: https://moneyguy.com/become-a-client/

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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Retirement happiness isn’t just about how much money you’ve saved—so what actually matters most? Brian, Bo, and retirement researcher Wes Moss put it to the test with a Retirement Happiness Draft, taking turns building their ideal retirement from 12 choices like $100K of income, eight hours of sleep, close friends, travel, hobbies, a paid-off home, and multiple income streams. Who builds the happiest retirement? Along the way, they unpack new research on happy retirees, retirement planning, financial independence, health, relationships, and purpose after work—and reveal what the data says really separates a fulfilling retirement from an unhappy one.

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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Watch Daniel & Hannah’s original episode here: https://youtu.be/vn4VyUtE1j8

One year after appearing on Making a Millionaire, Daniel and Hannah return to show what really happens when life interrupts your financial plan. Between a totaled car, emergency surgery, Disney vacation, new debt, and unexpected expenses, this couple still increased their net worth from $104,000 to $154,000. Brian and Bo revisit the Financial Order of Operations (FOO), emergency funds, Roth IRAs, the 20/3/8 car-buying rule, renting vs. buying a house, retirement investing, and real-world wealth building. If you're in the messy middle balancing kids, debt, investing, and financial independence, this episode shows how consistent financial habits can keep you moving forward—even when life doesn't go according to plan.

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

Learn more about your ad choices. Visit megaphone.fm/adchoices