Multiplier Method with Garrett Gunderson

Get my New York Times bestselling book, Killing Sacred Cows, free:

Get Killing Sacred Cows free

Could investing $100 a month really make you a millionaire? Garrett runs five checks on the claim, starting with historical returns and what a 1% management fee does to the result.

In this episode, you'll learn how to:

• Check the assumptions behind the $100-a-month example

• Compare the headline number with what you could keep after fees

• Decide where investing in your own skills fits into your plan

• Think through what you want your investments to do for you

YOUR ENTIRE FINANCIAL LIFE, MADE EASY

Business owner making $350K+ a year? See how Multiplier Family Office can help coordinate your taxes, cash flow, and financial team — and take more of the work off your plate:

Explore Multiplier Family Office

GET MY NEW YORK TIMES BESTSELLING BOOK FREE

Killing Sacred Cows challenges nine financial myths that could be holding you back from building wealth and enjoying life now. Get your free copy:

Get Killing Sacred Cows free

JOIN MY NEWSLETTER

Get practical ideas for making, keeping, and growing your money while enjoying life along the way:

Join Garrett's newsletter

ABOUT GARRETT

I'm Garrett Gunderson, a New York Times bestselling author, entrepreneur, and comedian. I challenge conventional money advice and help people build wealth that gives them more freedom to enjoy life now and create a lasting legacy. I also founded Multiplier Family Office for business owners who want their entire financial life made easy.

FOLLOW ME

Instagram

TikTok

Facebook

LinkedIn

Website: https://garrettgunderson.com/

Blog: https://garrettgunderson.com/blog/

Work with us: https://multiplierfamilyoffice.com/

Wealth Builders Club: https://skool.com/wbc

#GarrettGunderson #MultiplierMethod

Podcast host: Garrett Gunderson

Financial Intelligence Package

Watch the episode on YouTube

DISCLAIMER: This description may contain links from our affiliates, sponsors, and partners. If you use these products, we will get compensated - but there's no additional cost to you.

DISCLAIMER CONT'D: Garrett Gunderson is not a licensed financial advisor. He is an Entrepreneur, Wealth Strategist, and Author of the New York Times and #1 Wall Street Journal bestselling personal finance book - Killing Sacred Cows: Overcoming the Financial Myths That Are Destroying Your Prosperity. He is not providing you with financial advice in this podcast. The topics and ideas presented in this episode reflect Garrett's opinions and are for entertainment purposes only. The information presented should not be construed as financial or legal advice. Always do your own due diligence.

Get my New York Times bestselling book, Killing Sacred Cows, free:

Get Killing Sacred Cows free

Seven out of ten people live paycheck to paycheck and think being a millionaire is impossible. I started with nothing and hit financial independence by age 27, and I promise you it wasn't because I was eating rice and beans or putting water in my shampoo bottle (although, fun fact, I did that too). Most people never get there because they chase the wrong number or wait around hoping some interest rate saves them. So here are the six actual money milestones, in the order they work, to go from paycheck to paycheck to truly financially free.

In this episode, you'll learn how to:

Calculate your real financial independence number, then find smart ways to shrink it instead of just grinding for more income

Discover your "money persona" using a Parks and Rec cheat sheet (are you the Miser, the Conservative, the Striver, or the High Roller?) and learn how to flip your shadow persona into your winning one

Find money you're already losing, including a trick that handed me $10,000 I didn't even know I had

Avoid the "pay off your mortgage and max your 401(k)" trap that quietly wiped out families during the 2008 foreclosure crisis

Build a team before you think you can afford one, because no one builds real wealth alone

Set up guilt free spending so you actually enjoy your money instead of just accumulating it until you're too old to use it

Along the way, I get into why cash flow saved people's homes in 2008 when equity didn't, how Magic Johnson built his empire by sitting next to the right people at games, why I once hired someone on the spot over dinner because he said he worked six and a half days a week, and the actual dollar amount you can pay your own kids tax free.

Net worth is a vanity number. Cash flow is the real measure of financial independence, and knowing the difference is what actually gets you there.

YOUR ENTIRE FINANCIAL LIFE, MADE EASY

Business owner making $350K+ a year? See how Multiplier Family Office can help coordinate your taxes, cash flow, and financial team — and take more of the work off your plate:

Explore Multiplier Family Office

GET MY NEW YORK TIMES BESTSELLING BOOK FREE

Killing Sacred Cows challenges nine financial myths that could be holding you back from building wealth and enjoying life now. Get your free copy:

Get Killing Sacred Cows free

JOIN MY NEWSLETTER

Get practical ideas for making, keeping, and growing your money while enjoying life along the way:

Join Garrett's newsletter

ABOUT GARRETT

I'm Garrett Gunderson, a New York Times bestselling author, entrepreneur, and comedian. I challenge conventional money advice and help people build wealth that gives them more freedom to enjoy life now and create a lasting legacy. I also founded Multiplier Family Office for business owners who want their entire financial life made easy.

FOLLOW ME

Instagram

TikTok

Facebook

LinkedIn

Website: https://garrettgunderson.com/

Blog: https://garrettgunderson.com/blog/

Work with us: https://multiplierfamilyoffice.com/

Wealth Builders Club: https://skool.com/wbc

#GarrettGunderson #MultiplierMethod

Podcast host: Garrett Gunderson

Financial Intelligence Package

Watch the episode on YouTube

DISCLAIMER: This description may contain links from our affiliates, sponsors, and partners. If you use these products, we will get compensated - but there's no additional cost to you.

DISCLAIMER CONT'D: Garrett Gunderson is not a licensed financial advisor. He is an Entrepreneur, Wealth Strategist, and Author of the New York Times and #1 Wall Street Journal bestselling personal finance book - Killing Sacred Cows: Overcoming the Financial Myths That Are Destroying Your Prosperity. He is not providing you with financial advice in this podcast. The topics and ideas presented in this episode reflect Garrett's opinions and are for entertainment purposes only. The information presented should not be construed as financial or legal advice. Always do your own due diligence.

Get my New York Times bestselling book, Killing Sacred Cows, free:

Get Killing Sacred Cows free

Your 20s decide whether you get rich or stay broke — most people just don't find out until it's too late. I grew up in a small coal mining town with zero head start, and by 27 I was a multimillionaire. But before that transformation, my family nicknamed me "Garrett the Miser" — for our first Christmas together, I bought my wife a 99-cent phone case that didn't even fit her phone, and I once packed canned food in my suitcase on vacation so we wouldn't have to pay for meals at the hotel. I've seen enough people in their 20s now to know exactly what separates the ones who build real wealth from the ones who stay stuck.

In this episode, you'll learn how to:

• Build a "peace of mind fund" instead of an emergency fund — six months of liquid cash that protects your money and your mindset

• Spend 90 days mastering one investment skill that actually creates cash flow — real estate, a business, or intellectual property, not just the stock market

• Understand the real tax bet you're making with a 401(k), and why a Roth IRA might actually make more sense while you're young

• Run a simple weekly money check-in that takes five minutes and catches overspending, hidden subscriptions, and money leaks before they add up

• See why increasing your income matters more than cutting your coffee budget — and why no one shrinks their way to wealth

• Give yourself permission to actually spend and enjoy your money now, because wealth is how you live, not just what you have

Along the way, I get into the real story behind "Garrett the Miser" — including the woman who told me she wondered what it was like "living in the prison you built for your wife," the $170,000 income jump that came from finally hiring a mentor, and the triathlon I signed up for on live radio before I even knew how to swim.

If you want to see this same thinking applied to the biggest purchase you'll ever make, check out my breakdown of rent vs. buy: • Renting vs. Buying a Home: The Formula Nob...

YOUR ENTIRE FINANCIAL LIFE, MADE EASY

Business owner making $350K+ a year? See how Multiplier Family Office can help coordinate your taxes, cash flow, and financial team — and take more of the work off your plate:

Explore Multiplier Family Office

GET MY NEW YORK TIMES BESTSELLING BOOK FREE

Killing Sacred Cows challenges nine financial myths that could be holding you back from building wealth and enjoying life now. Get your free copy:

Get Killing Sacred Cows free

JOIN MY NEWSLETTER

Get practical ideas for making, keeping, and growing your money while enjoying life along the way:

Join Garrett's newsletter

ABOUT GARRETT

I'm Garrett Gunderson, a New York Times bestselling author, entrepreneur, and comedian. I challenge conventional money advice and help people build wealth that gives them more freedom to enjoy life now and create a lasting legacy. I also founded Multiplier Family Office for business owners who want their entire financial life made easy.

FOLLOW ME

Instagram

TikTok

Facebook

LinkedIn

Website: https://garrettgunderson.com/

Blog: https://garrettgunderson.com/blog/

Blog: https://garrettgunderson.com/blog/

Work with us: https://multiplierfamilyoffice.com/

Wealth Builders Club: https://skool.com/wbc

#GarrettGunderson #MultiplierMethod

Podcast host: Garrett Gunderson

Financial Intelligence Package

Watch the episode on YouTube

DISCLAIMER: This description may contain links from our affiliates, sponsors, and partners. If you use these products, we will get compensated - but there's no additional cost to you.

DISCLAIMER CONT'D: Garrett Gunderson is not a licensed financial advisor. He is an Entrepreneur, Wealth Strategist, and Author of the New York Times and #1 Wall Street Journal bestselling personal finance book - Killing Sacred Cows: Overcoming the Financial Myths That Are Destroying Your Prosperity. He is not providing you with financial advice in this podcast. The topics and ideas presented in this episode reflect Garrett's opinions and are for entertainment purposes only. The information presented should not be construed as financial or legal advice. Always do your own due diligence.

Rent or buy? Run your own numbers with my free Cash Flow Compass:

Get the free Cash Flow Compass

Should you rent or buy a house? I bought my first home at 20 years old and rented out rooms to roommates to help cover the mortgage — I'll admit, I used to put alarms under their beds when they were late on rent. Since then, I've owned over 100 real estate properties. I've made millions in real estate investing — and I've lost my fair share too. After 27 years in the game, I've narrowed the rent vs. buy decision down to six things you need to check to know which one actually builds more wealth and gets you to financial independence faster.

In this episode, you'll learn how to:

• Decide where your money works harder — in a mortgage payment, trapped in home equity, or fully invested

• Calculate the real cost of owning a home once you factor in property tax, homeowners insurance, upkeep, and PMI

• Find your "freedom number" — the real math behind financial independence and why home equity can actually slow it down

• Discover your city's real estate break-even point — in some housing markets it takes over 20 years before buying beats renting

• Avoid the mortgage payoff myths — HELOCs, biweekly payments, and 15-year loans — that quietly cost you flexibility

• Build the emergency savings buffer you need before buying a home, so a downturn can't wipe you out

Along the way, I share real stories from my own homeownership journey — including the duplex investment idea my wife shut down immediately, and the real break-even numbers for cities like Austin, Seattle, San Diego, and San Francisco that could completely change your rent vs. buy decision.

This isn't just about rent vs. buy. It's about where your money works hardest and how much financial flexibility you're willing to give up to get there.

I'm here to help a million people build real wealth, create lasting legacies, and build a life they love — one they never want to retire from. I built a free tool to help you figure out your own answer: the Cash Flow Compass 🧭

If you want to know rather rent or buy is the right choice for you, access "Cash Flow Compass": https://garrettgunderson.com/yt_tsv8reld7q0_t1_compass

YOUR ENTIRE FINANCIAL LIFE, MADE EASY

Business owner making $350K+ a year? See how Multiplier Family Office can help coordinate your taxes, cash flow, and financial team — and take more of the work off your plate:

Explore Multiplier Family Office

GET MY NEW YORK TIMES BESTSELLING BOOK FREE

Killing Sacred Cows challenges nine financial myths that could be holding you back from building wealth and enjoying life now. Get your free copy:

Get Killing Sacred Cows free

JOIN MY NEWSLETTER

Get practical ideas for making, keeping, and growing your money while enjoying life along the way:

Join Garrett's newsletter

ABOUT GARRETT

I'm Garrett Gunderson, a New York Times bestselling author, entrepreneur, and comedian. I challenge conventional money advice and help people build wealth that gives them more freedom to enjoy life now and create a lasting legacy. I also founded Multiplier Family Office for business owners who want their entire financial life made easy.

FOLLOW ME

Instagram

TikTok

Facebook

LinkedIn

Website: https://garrettgunderson.com/

Blog: https://garrettgunderson.com/blog/

Blog: https://garrettgunderson.com/blog/

Work with us: https://multiplierfamilyoffice.com/

Wealth Builders Club: https://skool.com/wbc

#GarrettGunderson #MultiplierMethod

Financial Intelligence Package

Watch the episode on YouTube

DISCLAIMER: This description may contain links from our affiliates, sponsors, and partners. If you use these products, we will get compensated - but there's no additional cost to you.

DISCLAIMER CONT'D: Garrett Gunderson is not a licensed financial advisor. He is an Entrepreneur, Wealth Strategist, and Author of the New York Times and #1 Wall Street Journal bestselling personal finance book - Killing Sacred Cows: Overcoming the Financial Myths That Are Destroying Your Prosperity. He is not providing you with financial advice in this podcast. The topics and ideas presented in this episode reflect Garrett's opinions and are for entertainment purposes only. The information presented should not be construed as financial or legal advice. Always do your own due diligence.