Are you a teacher dreaming of early retirement? In this episode of The Teacher Money Show, Shaun Morgan sits down with Rachel (@teachertomillionaire), a veteran middle school math teacher and passionate financial educator, to talk about how taxable brokerage accounts can play a key role in your early retirement plan.

Explore the show notes at:

https://www.teachermoneyshow.com/show80

Become a guest on the show:

https://www.teachermoneyshow.com/guest

Leave a voicemail question:

https://www.speakpipe.com/teachermoneyshow

The brokerage I recommend is Fidelity (Referral link)

https://fidelity.app.link/e/oCNKRWIuoNb

In this episode we discuss early retirement and how retirement accounts like the IRA and 457 are great, but can't beat taxable accounts for flexibility, no contribution limits, and even the possibility of 0% capital gains tax in early retirement.

💰 Rachel shares her simple, effective three-fund portfolio strategy

📉 How she escaped a high-fee 403(b) vendor (saving nearly $1M!)

🚀 Why automating your investments is key to long-term success

🧠 How to mentally treat your taxable account as a retirement vehicle

🎯 Rachel offers a free "How to get out of a high fee vendor" and "Ticker symbol cheat sheet". You can find them in the show notes!

#financialindependence #teachersidehustle #taxablebrokerage #earlyretirement #teacherfinance #403b #investingforteachers #financialliteracy #fi #teachermoneyshow

Financial education doesn’t have to be boring! In this episode of The Teacher Money Show, I sit down with Susan Meredith, inventor of Mentomorph Money, to explore how game-based learning can revolutionize financial literacy education.

Explore the show notes at:

https://www.teachermoneyshow.com/show79

Become a guest on the show:

https://www.teachermoneyshow.com/guest

Leave a voicemail question:

https://www.speakpipe.com/teachermoneyshow

Attend the Free Menta Morph Power Hour (Code MMFriend)

http://bit.ly/mentagift1hr

In this episode we dive into:

🎮 How games help students and adults practice financial decision-making in a low-risk environment

💡 The difference between game-based learning and gamification (and why it matters)

📈 How focusing on net worth beyond just money shifts financial mindsets

🤯 The emotional barriers to learning about money and how games can break them

🛠️ Practical ways educators and financial coaches can use games to teach real financial skills

For more great ideas to help you have a richer wallet, classroom, and life, subscribe to the channel!

💬 What are your thoughts on game-based financial education? Comment below! 👇

#FinancialEducation #GameBasedLearning #TeacherMoneyShow #MoneyMindset #FinancialLiteracy #MentomorphMoney #MoneyGames #MoneyCoaching #Teachers #PersonalFinance

In this episode, Shaun Morgan shares his real-world experiences — the good, the bad, and the stressful — of investing in real estate as a teacher. From a risky wholesale deal helping a friend facing foreclosure to buying a triplex in a high-crime area, Shaun breaks down the *true* challenges behind the dream of passive income.

Explore the show notes at:

https://www.teachermoneyshow.com/show78

Become a guest on the show:

https://www.teachermoneyshow.com/guest

Leave a voicemail question:

https://www.speakpipe.com/teachermoneyshow

Invite me to your school to speak about money!

https://www.shaunkmorgan.com

In this episode you'll learn:

✅ The hidden risks of real estate investing

✅ Why teachers need to approach property investing with caution

✅ The emotional toll of tenant evictions

✅ How inaccurate property valuations can cost you BIG

✅ The critical importance of an emergency fund

✅ Tips for building strong tenant relationships

✅ How to assess if real estate investing is right for you

The point of this episode is not to scare you away from real estate but to give you an accurate view of the downside of real estate. If you proceed with appropriate caution you'll do great!

🎧 **Listen on the go:**

Spotify | Apple Podcasts | Amazon Music | YouTube

#RealEstateInvesting #TeacherMoney #PassiveIncome #RealEstateRisks #FinancialEducation #Teachers #MoneyMindset #FinancialFreedom #PropertyInvesting #WealthBuilding #TeacherFinance #PersonalFinance #FinancialLiteracy

In this episode, I’m joined by **Yanely Espinal**, Director of Educational Outreach at **Next Gen Personal Finance (NGPF)** and creator of @MissBeHelpful, to discuss the critical need for **personal finance education in schools**. Yanely shares her journey from teacher to financial literacy advocate and offers actionable steps for educators to **advocate for personal finance as a required high school course**. We cover how grassroots efforts can drive change, why a **full-semester course is necessary**, and how NGPF provides **free, high-quality curriculum** for teachers. Explore the show notes at:https://www.teachermoneyshow.com/show77Become a guest on the show:https://www.teachermoneyshow.com/guestLeave a voicemail question:https://www.speakpipe.com/teachermoneyshowBring Financial Literacy to your Classroom/Life with Yanely's Book, Mind Your Money (Affiliate Link):https://amzn.to/3DXMHwX🎯 **Key Topics:** ✅ Why personal finance must be a graduation requirement ✅ How teachers can **start advocacy efforts** at the school and district level ✅ Tips for reviewing and supporting **state-level legislation** ✅ How to ensure flexibility in **teacher qualifications and course implementation** ✅ Leveraging **automation** to save time and improve financial habits If you’re passionate about helping students build lifelong money skills, this episode is for you! Learn how to **start local, advocate for change**, and bring financial literacy to every classroom. #FinancialLiteracy #TeacherMoney #PersonalFinanceForStudents #NGPF #AdvocateForEducation #MoneySkills #FinancialEducation #TeachersMatter #MissBeHelpful

Did you know your earliest money experiences could be **holding you back financially**? In this episode, **Becca Andrews**, a former teacher turned personal finance coach, breaks down how our **mindset and money-defining moments** impact financial decisions—and how to change them for the better.

Explore the show notes at:

https://www.teachermoneyshow.com/show76

Become a guest on the show:

https://www.teachermoneyshow.com/guest

Leave a voicemail question:

https://www.speakpipe.com/teachermoneyshow

Recommendation (affiliate link) for fiduciary financial advice:

https://hellonectarine.com/r/teachermoney

🔹 **Topics Covered:**

✅ How **early childhood experiences** shape lifelong money beliefs

✅ Why emotions—not logic—**drive financial decisions**

✅ Common **limiting beliefs teachers** hold about money

✅ How to **overcome negative financial thought patterns**

✅ Simple **first steps to break unhealthy money cycles**

✅ Why small, consistent changes **lead to lasting financial success**

💡 **Want to transform your money mindset and take control of your finances?** Learn how small shifts in thinking can **create massive financial progress** over time!

#MoneyMindset #FinancialFreedom #TeachersMoney #MindsetShift #WealthBuilding #MoneyBeliefs #FinancialIndependence #BudgetingForTeachers

Want to make smarter financial choices and boost your life satisfaction? In this episode, **Andrew Hallam** shares powerful insights on how teachers can manage money efficiently, avoid financial pitfalls, and maximize their happiness through intentional spending. Explore the show notes at:https://www.teachermoneyshow.com/show75Become a guest on the show:https://www.teachermoneyshow.com/guestLeave a voicemail question:https://www.speakpipe.com/teachermoneyshowNeed help? Get Coachinghttps://www.teachermoneyshow.com/coaching🔹 **Topics Covered:** ✅ The **simplicity of building wealth** as a teacher.✅ Why **buying a new car** is a financial mistake & how to avoid depreciation ✅ How **behavioral science** proves that experiences—not material things—boost happiness ✅ Why **teachers are the most financially efficient** professionals ✅ The hidden **million-dollar value of teacher pensions** ✅ How to **prevent burnout** and optimize life satisfaction ✅ Practical tips on spending, investing, and building long-term wealth Andrew’s research-backed strategies will help you make **smarter financial decisions**, focus on what truly matters, and build a secure financial future. 🎧 **Listen in to learn how to align your money with your values!** #FinancialFreedom #TeachersMoney #SmartSpending #FinancialIndependence #MoneyMindset #TeacherPensions #FrugalLiving #InvestingForTeachers

Is real estate investing a smart move for teachers? In this episode, I talk about my experience investing in real estate and all the benefits I've had from it.Explore the show notes at:https://www.teachermoneyshow.com/show74Become a guest on the show:https://www.teachermoneyshow.com/guestLeave a voicemail question:https://www.speakpipe.com/teachermoneyshowNeed help? Get Coachinghttps://www.mybudgetcoach.com/coaches/shaun-morgan🔹 **Topics Covered:** ✅ The importance of education before you begin investing.✅ The pros and cons of real estate vs. **index fund investing** ✅ Generating **passive income** with a **tiny house rental** ✅ Exploring the **BRRRR method** and cash flow strategies ✅ Managing short-term rentals (**Airbnb**) and the trade-off between income and effort ✅ Hands-on property management and cost-saving DIY repairs 🎧 **Listen in to learn how real estate could be a game-changer for your financial future!** #RealEstateInvesting #TeachersMoney #PassiveIncome #FinancialFreedom #BiggerPockets #BRRRRMethod #AirbnbHost #InvestingForTeachers #TeacherSideHustles

Is your mindset holding you back from financial success? In this episode of *The Teacher Money Show*, I sit down with **Bernadette Joy** to talk about breaking negative thought patterns and stepping into a wealth-building mindset—no matter your income.

Explore the show notes at:

https://www.teachermoneyshow.com/show73

Become a guest on the show:

https://www.teachermoneyshow.com/guest

Leave a voicemail question:

https://www.speakpipe.com/teachermoneyshow

Need help? Get Coaching

https://www.teachermoneyshow.com/coaching

We discuss the crucial link between **self-worth and net worth**, and why teachers need to **stop undervaluing themselves**. Bernadette shares how shifting your mindset can have a bigger impact on wealth-building than any financial strategy.

We also cover:

💡 Why **teachers already have the skills** to build wealth

💡 How **self-respect impacts financial success**

💡 The dangers of **over-delivering and burnout**

💡 How to **set boundaries and stop spending your own money** on the classroom

💡 The **teacher benefits you might be underutilizing**

Bernadette brings **powerful insights** on how teachers can overcome self-doubt, take control of their financial future, and build lasting wealth. If you’re ready to **stop the negative self-talk and start thriving financially**, this episode is for you!

👉 **Don't forget to like, subscribe, and hit the bell** so you never miss an episode!

#TeacherMoneyShow #FinancialMindset #SelfWorth #MoneyMindset #TeachersAndMoney #BurnoutPrevention #PersonalFinanceForTeachers #FinancialFreedom #WealthBuilding

Are limiting beliefs about money holding teachers back? In this *Teacher Money Show* episode (Part 2), Matt and I continue our deep dive into overcoming the negative money mindset that many educators struggle with.

Explore the show notes at:

https://www.teachermoneyshow.com/show72

Become a guest on the show:

https://www.teachermoneyshow.com/guest

Leave a voicemail question:

https://www.speakpipe.com/teachermoneyshow

Recommended (affiliate link):

https://fidelity.app.link/e/oCNKRWIuoNb

We break down the **abundance vs. scarcity mindset** and why shifting your perspective can help you see financial opportunities instead of roadblocks. We also challenge the misconception that **wanting more money is greedy**, emphasizing that financial growth can be a responsible and positive goal when it’s driven by a desire to support your family, gain financial security, and give back.

Another major topic we tackle is **why Social Security and pensions alone won’t be enough** for most teachers in retirement—and what you can do to take control of your financial future. Plus, we explore how teachers can **break free from the time-for-money trap** by building passive income streams and leveraging their skills in new ways.

💡 **Key Takeaways:**

✅ How to shift from a scarcity to an abundance mindset

✅ Why wanting more money isn’t greedy—it’s responsible

✅ The truth about Social Security and pensions for teachers

✅ How to earn money beyond just exchanging time for a paycheck

✅ The importance of lifelong learning and financial education

If you're ready to transform your money mindset and take control of your financial future, this episode is for you!

👉 Don’t forget to **like, subscribe, and hit the bell** so you never miss an episode!

#TeacherMoneyShow #FinancialFreedom #AbundanceMindset #PersonalFinanceForTeachers #InvestingForBeginners #PassiveIncome #BudgetingTips #MoneyMindset