SAVER

💰 Most people work hard for their money but were never taught how to make their money work harder.

A difference of just a few percentage points in your long-term investment return can potentially mean hundreds of thousands of dollars over your lifetime.

For example, investing $500 per month for 35 years produces dramatically different outcomes depending on the return you earn. At approximately 6%, you could accumulate around $700,000. At 9%, the same monthly investment could grow to roughly $1.5 million.*

That's an approximately $800,000 difference without increasing the $500 monthly contribution.

In this video, I break down why financial literacy matters and the financial principles many of us were never taught, including:

💵 Making your income work for you

📈 Understanding your retirement and investments

💳 Managing debt strategically

🛡️ Protecting your income and family

👨‍👩‍👧 Teaching the next generation about money

Want to learn the 5 fundamental steps I teach for building a stronger financial foundation?

👉 Get the FREE Financial Literacy Lesson

You don't necessarily need more money. You need to understand what the money you already earn is doing.

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#FinancialLiteracy #PersonalFinance #Investing #Retirement #WealthBuilding #FinancialFreedom #MoneyManagement

*Examples are hypothetical illustrations and do not represent guaranteed investment returns or results.

Is gold becoming money again?

Central banks are buying it. Countries are stockpiling it. And some investors are looking beyond traditional stocks and bonds to gold as another way to diversify their wealth.

🎓 FREE PERSONAL FINANCE TRAINING:

Want to get better with your money? Watch Michael Dillard’s free personal finance training and learn the key numbers that can affect your ability to build wealth and retire with confidence.

👉 Watch free at MichaelDillard.org

In this episode of The SAVER Show, Michael Dillard sits down with Grayson Geiler, manager of the Gold Rush Yield Fund in Scottsdale, to explore how gold fits into today's financial system and whether it can do more than simply sit in a vault.

Grayson brings 25 years of market experience, including time on the commodity exchanges in Chicago. He explains how those experiences shaped his views of the financial system and his long-term interest in gold.

They also explore the concept of putting gold to work through strategies such as digitization and leasing, rather than treating it solely as a store of value.

You'll discover:

• Why some central banks have increased their gold reserves
• How global gold markets and pricing work
• Why gold plays a major role in countries such as India and Turkey
• How gold leasing works and the potential risks and returns
• The difference between owning physical gold, gold ETFs, and other gold-related strategies
• Where investors can buy gold and how much they may need to get started
• Tax considerations surrounding different forms of gold ownership
• How investors think about gold as part of a diversified portfolio

Michael and Grayson also tackle a bigger question:

Can gold be more than an inflation hedge or fear trade?

If you've wondered where gold belongs alongside stocks, retirement accounts, cash, and other investments, this conversation will give you a framework for thinking about it.

Subscribe to The SAVER Show for conversations about personal finance, investing, taxes, retirement, and building long-term wealth.

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MichaelDillard.org

Making money is one thing. Keeping and protecting it is another.

In this episode of the SAVER Show, Michael Dillard sits down with Matthew Meredith to discuss how tax planning, estate planning, and asset protection can play an important role in building and preserving long-term wealth.

Matthew shares his journey from finance to law and explains how his experience in both worlds helps business owners and individuals think differently about their money.

In this conversation, you'll learn:

• Tax strategies that may help you keep more of what you earn

• Why estate planning isn't only for the wealthy

• How business owners can think about protecting their assets

• Financial mistakes that can become expensive later

• Why building wealth and protecting wealth require different strategies

• How tax, legal, and financial decisions can work together

• Steps to consider when creating a long-term wealth strategy

Whether you're a business owner, high-income professional, or simply trying to build a stronger financial future, this conversation will help you think beyond earning money to protecting what you're building.

🌐 Book Michael Dillard

Learn more from Michael Dillard: www.MichaelDillard.org

Mathew Meredith

https://meridianlg.com/about/

https://www.linkedin.com/in/matthewrmeredith/

Subscribe to the SAVER Show for conversations about personal finance, investing, debt, taxes, retirement, and building wealth.

Disclaimer: This conversation is for educational purposes and should not be considered individualized legal, tax, or financial advice.

Keywords: tax strategies, estate planning, asset protection, wealth building, tax planning, financial planning, business owner taxes, estate planning strategies, high income earners, protect your wealth, reduce taxes, generational wealth, personal finance, financial literacy

How do you teach kids about money before they learn expensive financial lessons the hard way?

In this episode of the SAVER Show, Michael Dillard sits down with Greg Young, author and founder of Money Mindset Academy, to discuss how parents can help their children develop a healthy relationship with money and build financial skills that can last a lifetime.

Greg Junge shares practical strategies families can use to teach kids about saving, spending, budgeting, and making smarter financial decisions. They also discuss how the lessons children learn about money at home can influence whether they struggle financially or build wealth as adults.

In this episode, you’ll learn:

• How to start teaching kids about money

• Why financial habits should begin early

• How parents influence a child’s money mindset

• Practical ways to teach saving and spending

• How families can work toward breaking the paycheck-to-paycheck cycle

• How to build financial resilience across generations

If you’re a parent who wants your children to understand money better than you did at their age, this conversation is for you.

Subscribe for more conversations about personal finance, building wealth, relationships and money, and financial literacy.

🌐 www.MichaelDillard.org

Greg: https://moneymindsetacademy.com

Keywords: financial literacy for kids, teaching kids about money, kids money education, money mindset, paycheck to paycheck, family finances, financial literacy for families, financial tips for parents, saving money for kids, generational wealth, personal finance, parenting and money

If you and your spouse fight about money every month, the problem may not be your budget. It may be how you communicate about money.

In this episode, personal finance coach Michael Dillard shares the exact budgeting system for couples that he and his wife use to stop money arguments, make better financial decisions, and build wealth together. Their system takes less than one hour a month.

You'll learn:

• How to budget as a couple without one person controlling the money

• Why Michael and his wife have a monthly money date

• How to use the 50/30/20 budget as a starting point

• How joint checking and savings accounts can simplify your finances

• Why each spouse should have money they can spend without explaining every purchase

• The simple $300 rule Michael and his wife use for larger purchases

• How to discuss major decisions like buying a car, paying off the mortgage, investing in the S&P 500, and preparing for retirement

• Three questions to ask during your next money date

The goal isn't to create the perfect budget.

It's to create a system that helps both spouses understand where the money is going, what they're working toward, and how they're going to build wealth together.

If you're married or engaged and want to reduce money stress, get out of debt, save more, invest, and build a stronger financial future together, this episode is for you.

Want help making better money decisions together?

Visit www.MichaelDillard.org to learn about Michael's upcoming free couples webinar, SAVER resources, and personal finance coaching.

Michael Dillard is a personal finance coach and creator of the SAVER™ Framework, helping couples stop fighting about money and start building wealth together.

Topics: budgeting for couples, how to budget as a couple, couples finances, money management, marriage and money, money date, 50/30/20 budget, financial communication, getting out of debt, retirement planning, investing for couples, wealth building

Lies couples tell each other about money can quietly destroy their financial future. In this video, you’ll learn the most common money lies, why they happen, and how to replace them with habits that build wealth together.

🎁 Join my FREE 7-Day Personal Finance Coaching Trial for tools, resources, and step-by-step guidance to help you stop living paycheck to paycheck and prepare for retirement.

🌐 www.MichaelDillard.org

#PersonalFinance #CouplesMoney #Marriage #MoneyTips #Budgeting #Retirement #Investing #FinancialFreedom #MichaelDillard

In this episode of The Saver Show, Michael Dillard breaks down three powerful money numbers that can shape a family’s financial future: $75,000, $20,000, and $2,400.

Join the SAVER Community at www.MichaelDillard.org FREE Resources

He starts with Nvidia and the bigger question behind investing in trending companies: do you already own it inside your retirement funds? Then he compares the long-term tradeoff between broad market investing and more aggressive tech exposure, showing how performance can differ dramatically over time.Michael also explains why high-interest credit card debt can be one of the most expensive financial decisions a family makes, with a $10,000 balance at 24% interest costing about $2,400 a year. He follows that with a look at mortgage rate differences and how even a small change can add up to roughly $20,000 over the life of a home loan. Finally, he reveals how to make cash savings work harder by comparing low-yield accounts to higher-yield options.The episode ends with a practical saver move: log into your retirement account, review every fund you own, and identify the top companies inside those funds so you can understand what you already own and make smarter decisions with confidence.

Join the SAVER Community at www.MichaelDillard.org

Unlock the crucial financial lessons that can transform your life—whether you're just starting out or looking to build generational wealth. Legna Soto Gonzalez, a first-generation college graduate and passionate financial literacy advocate, shares powerful strategies to help you escape the paycheck-to-paycheck cycle and secure your future.In this episode, Legna reveals how mismanagement and lack of education keep many living paycheck to paycheck—despite earning more than ever before. Discover how investing just $500 a month for 35 years at a 9% rate can lead to nearly $1.5 million in retirement savings. She breaks down simple, actionable steps to boost emergency funds, manage debt, and leverage employer-sponsored programs like 401(k)s to grow wealth effortlessly.

Free Financial Tool kit. www.michaeldillard.org

Most people assume their employer is handling their retirement investments wisely. They're not looking at the details. They're not asking questions. And according to Michael Dillard, that one assumption could be costing them over $700,000 by the time they retire.

In this episode, Michael sits down with a real client and walks through her actual 401(k) statement live — and what they find is eye-opening. A fund earning just 1.6% sitting right next to one averaging 15.55% over 10 years. Bonds that lost value in 2022. And a default asset allocation her employer chose for her that she never questioned.

This is the conversation most financial advisors aren't having with you — and it could change the trajectory of your retirement.

🎙️ In this episode you'll learn:

• Why your employer's "default" investment fund may not be the best option for you
• The real difference between a bond and a growth fund — explained in plain English
• How to read your asset allocation statement and know what questions to ask
• Why a fund with no 10-year history is a red flag you should never ignore

If you've never looked at your asset allocation, this episode is your wake-up call.

🎁 Access the FREE SAVER Vault for tools and resources to help you stop living paycheck to paycheck: michaeldillard.org

#PersonalFinance #401k #RetirementPlanning #SAVERPodcast #Investing #FinancialFreedom

Most people believe becoming a millionaire requires a six-figure salary, finding the next hot stock, or getting lucky. But what if the real secret to building wealth is much simpler?

In this episode, I reveal the surprising difference between people who retire with financial freedom and those who work their entire lives and still struggle with money. After asking a room full of professionals one simple question, I discovered that almost everyone wants to become a millionaire… but very few are consistently doing the one habit that makes it possible.

You’ll learn how investing just $500 per month for 35 years at a 9% average annual return could potentially grow into approximately $1,470,000. Even more shocking, you would only contribute $210,000 of your own money. The market could contribute the remaining $1.26 million through the power of compound growth.

In this episode, you’ll discover:

✅ Why income alone doesn’t determine wealth

✅ The surprising question that changed the energy in the room

✅ How compound interest really works

✅ Why your brain is wired to choose today over tomorrow

✅ The simple system that can help automate your financial future

✅ The one decision that could change the trajectory of your retirement

The truth is, becoming a millionaire isn’t usually about finding the perfect investment. It’s about creating simple habits that work for you month after month, year after year.

🎁 Ready to take the next step? Access the FREE SAVER Vault to get practical tools and resources designed to help you stop living paycheck to paycheck and build lasting wealth. Inside you’ll get access to free financial resources, including the 7-Day Stop Living Paycheck-to-Paycheck Challenge and tools to help you take control of your money.

👉 Access the FREE SAVER Vault here: https://www.michaeldillard.org

If this video encouraged you, subscribe for practical money lessons designed for everyday people who want to build wealth without complicated strategies.

Remember: The goal isn’t perfection. The goal is getting started. Your future self will thank you.

#PersonalFinance #MillionaireMindset #CompoundInterest #RetirementPlanning #Investing #FinancialFreedom #WealthBuilding #StopLivingPaycheckToPaycheck #MoneyHabits #SAVERSystem #MichaelDillard