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Money Lab with Bill Harris
Money Lab with Bill Harris episodes
- Is $1 Million Enough to Retire? We Ran the Numbers
Is $1 million enough to retire?
For Derek and Susan, a hypothetical family with about $1 million saved, the answer depends on what they do next.
Build your own plan at evergreen.ai/retirement
In Episode 2 of Money Lab with Bill Harris, Bill builds the Hallmans a lifetime plan and runs their numbers to see what happens when they raise their savings rate from 10% to 20%, when Derek loses his job, and when they consider moving to Florida in retirement. Then he takes on the question everyone asks eventually: can I retire early?
67% of Americans say they worry more about running out of money than about dying. A plan won't remove that worry, but it shows you the trade-offs before you have to make them.
Bill was CEO of Intuit, CEO of PayPal, and founding CEO of Personal Capital.
Today he runs Evergreen.ai, available at no cost when you register during the beta. The product is still evolving, and feedback is welcome.
LINKS
All Money Lab episodes: https://www.evergreen.ai/podcast
Subscribe on YouTube: https://www.youtube.com/@Evergreen.ai.official?sub_confirmation=1
Listen on Apple Podcasts: https://podcasts.apple.com/us/podcast/id6812462469
Listen on Spotify: https://open.spotify.com/show/1YkCks77Nc5u7ypg1Fkg5j?si=2b66e971ba294571
Follow Bill Harris on LinkedIn: https://www.linkedin.com/in/1billharris
Follow Evergreen.ai on LinkedIn: https://www.linkedin.com/company/evergreenaiofficial
SOURCES
67% worry more about running out of money than dying: Allianz Life 2026 Annual Retirement Study
46% of households have no retirement savings: Federal Reserve Survey of Consumer Finances 2022
20 million layoffs a year: U.S. Bureau of Labor Statistics, JOLTS
19% have a comprehensive financial plan: CFP Board / Consumer Federation of America
The characters in this episode are AI-generated composite avatars and are not real people, clients or users of Evergreen.ai or Evergreen Wealth Advisors. Any scenarios, simulations or projections are created for illustration only and do not represent actual results nor guarantee future outcomes.
All investments involve risk, including the possible loss of principal.
All investments involve risk, including the possible loss of principal. Evergreen.ai provides general education and calculators and may provide personalized advice when you share sufficient information about your finances.
This is not legal, tax, insurance or estate planning counsel and is not a recommendation to buy or sell a security.
15 min - Your Savings Account Could Be Costing Thousands a Year
The interest rate on your savings account isn't the full story.
There's a real tax cost hiding behind it, and the amount depends on your income, your state, and your situation.
The accounts many people assume are the safe, smart choice don't hold up once taxes actually enter the picture, and the ranking shifts again the moment your income, your state, or your life stage changes.
If you're tired of guessing where your cash should sit, join Bill Harris in the first episode of Money Lab.
Former CEO of PayPal and Intuit, founder of Personal Capital, he's spent three decades building the financial technology that's now behind Evergreen.ai, the free tool running the numbers.
Try the calculator yourself at evergreen.ai/cashtaxes.
LINKS
Watch on YouTube: https://www.youtube.com/watch?v=jrwKBlcvau8
All Money Lab episodes: https://www.evergreen.ai/podcast
Subscribe on YouTube: https://www.youtube.com/@Evergreen.ai.official?sub_confirmation=1
Listen on Apple Podcasts: https://podcasts.apple.com/us/podcast/id6812462469
Listen on Spotify: https://open.spotify.com/show/1YkCks77Nc5u7ypg1Fkg5j?si=2b66e971ba294571
Follow Bill Harris on LinkedIn: https://www.linkedin.com/in/1billharris
Follow Evergreen.ai on LinkedIn: https://www.linkedin.com/company/evergreenaiofficial
The characters in this episode are AI-generated composite avatars and are not real people, clients or users of Evergreen.ai or Evergreen Wealth Advisors.
Any scenarios, simulations or projections are created for illustration only and do not represent actual results nor guarantee future outcomes.
All investments involve risk, including the possible loss of principal.
Evergreen.ai provides general education and calculators and may provide personalized advice when you share sufficient information about your finances.
This is not legal, tax, insurance or estate planning counsel and is not a recommendation to buy or sell a security.
16 min - Introducing Money Lab with Bill Harris
Should you buy the house? Exercise your stock options? Convert an IRA to a Roth? Retire early?
Money Lab takes one real financial decision at a time and puts it to the test using Evergreen.ai’s free financial planning tools, working through the numbers, tradeoffs and variables that can change the answer.
Host Bill Harris, former CEO of PayPal and Intuit and founder of Personal Capital, has spent more than three decades at the intersection of money and technology.
Follow Money Lab now to catch the first episode when it launches.
2 min
About Money Lab with Bill Harris
From the publisher's feed
What if you could test every money decision before you made it?
Bill Harris Presents Money Lab is the personal finance podcast that turns real-life financial questions into experiments and puts them to the test.
A lot of financial advice is built once and shipped to everyone. The same generic rules, the same one-size-fits-all answers, the same guesswork dressed up as guidance.
Money Lab works differently. Every episode uses Evergreen.ai, an AI-driven financial planning app that builds a tailored financial model, and runs the numbers against realistic scenarios.
When we tackle a question about Roth conversions, we're not offering a rule of thumb. We're showing how the answer changes depending on real data, like state tax exposure, equity vesting schedules and retirement timing, all modelled together, in one picture. When we look at whether refinancing makes sense, we're working from a comprehensive financial profile spanning past, present, and future. Each episode makes the invisible visible... turning complex choices into clear, comparable pictures.
Whether the question involves navigating stock options and RSUs, a family stress-testing their retirement timeline, or an executive weighing the real cost of a major financial decision, Money Lab shows what's possible when guesswork is taken out of the equation. And because every financial life is different, no two episodes look the same.
Sound financial decisions don't come from having all the answers. They come from asking better questions. Money Lab shows you how.
Follow us on Spotify, Apple Podcasts or wherever you get your podcasts, and subscribe on YouTube.
About our host:
Bill Harris has spent his career reshaping how people manage money, from leading PayPal and Intuit to building Personal Capital into a multibillion‑dollar wealth platform, a wealth management platform which was later acquired by Empower for approximately $1 billion.
Today he’s the founder of Evergreen.ai, where he’s pushing the next evolution of financial advice through technology that holds your financial life in one place, income, investments, taxes, retirement, and beyond and uses it to answer the questions that shape your future. It's the next chapter in a career defined by changing what's possible in personal finance.
About Evergreen:
Evergreen.ai is built for a new era of financial guidance, one where sophisticated, personalized advice is no longer the preserve of the few.
It's an AI-driven financial planning app that builds a model of your financial life, running from the past, through the present, and decades into the future. Rather than a collection of disconnected calculators or generic recommendations, it holds each dimension of that picture in one place, using it to generate answers that are specific to your situation, your goals, and your timeline.
The result is a platform that turns sophisticated financial decision-making into something intuitive and empowering, delivering the kind of personalized guidance that was once only available to those who could afford it.
This podcast is meant to help you learn about the topics we cover. Evergreen.ai provides general education and calculators and may provide personalized advice when you share sufficient information about your finances. This is not legal, tax, insurance or estate planning counsel and is not a recommendation to buy or sell a security. Evergreen.ai is a service of Evergreen Wealth Advisors Corporation, a registered investment adviser. Registration does not imply a certain level of skill or training.