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06/23/2025

Y'all will not believe this...

THE DAY BEFORE we recorded this episode with Chris and Heather, we got a call from Chris. We answered - worried he might be lost trying to find their hotel.

To our surprise, Chris told us he had just been informed he was being laid off. Obviously, this does not mean financial turmoil since they've done a fantastic job building wealth, thus far.

But this changes everything. We were planning on talking about a potential early retirement...but we weren't planning for an immediate retirement! With over 40 years of financial advising experience, though, Brian and Bo were able to pivot without issue.

What followed was a fantastic conversation based on the new circumstances - a conversation you will find insightful and entertaining.

Check out the latest episode of Making a Millionaire out now on all platforms!

06/20/2025

What should you focus on?

There are 3 phases of wealth that you can put your efforts towards: making money, maintaining money, and multiplying money. We often think of life in linear terms:

"First I will make money. Then I will maintain that money. Finally I will multiply it."

In reality, that isn't how life pans out. You focus on all 3 phases, to varying degrees, throughout your life. We put together our 3 phases episode to help guide you on how these phases often play out based on your age.

You can watch the full episode out now on all platforms!

DISCLAIMER: There is no one right way to navigate your path through life. This is a loose guide that applies to the majority of people. There is no one size fits all path through life and we encourage you to live your best life in every decade - even if that means straying from the "normal" path.

06/19/2025

BE the market, don't BEAT the market.

Next time you're tempted to pick the single stock that you have a gut feeling on, consider this data. PROFESSIONAL investors fail to beat the market:

Over 15 years, 90% of professional investors in large-cap, actively-managed funds fail to beat their benchmark. Think about what the percentage would be for the everyday investor...

06/18/2025

When we say that at least 30% of folks have no retirement account at any age, it breaks our heart.

We aren't going to lie and say you'll be rich tomorrow.
We aren't going to lie and say your journey will be easy.
We aren't going to lie and say we know your situation.

We are going to tell the truth about investing for your retirement. Opening an account and investing just $5 CAN be the start of a magical journey to financial independence.

You can start building the habits that can lead you to your big beautiful tomorrow.

We don't want you to NEED to work to sustain your quality of life. We want you to do what you want, when you want, and how you want.

06/17/2025

What does this mean for you?

Don't get caught up in picking the perfect investments, especially in the beginning.

Sal takes more than 10 years to pass Manny, even with more than double his rate of return. Not to mention the elephant in the room: a 25% rate of return is next to impossible.

Moral of the story? You don't need to be the investor in the world to see success. Focus on your savings rate and a realistic rate of return.

06/16/2025

Odds are you aren't a good investor.

We don't mean to be rude or harsh, but the reality is that it is VERY difficult to beat the market. Wall Street pays people TONS of money to try to beat the market and even then they struggle. Over 20 years it is estimated only around 6% of professionals beat the market (according to SPIVA).

We don't say this to be rude. We say this to show you why we prefer to invest in the market rather than try to beat it - and why you should consider thinking twice about your investing strategy.

EDIT: Sorry we weren't specific about this - the 6.81% return is for the average equity investor according to the DALBAR 2023 QAIB Report!

06/15/2025

Happy Father's Day to Brian, Bo, and all of the Financial Mutant Fathers!

06/13/2025

Building from $0-$100k takes 9.6 years.

Building from $500k to $1M takes 7.8 years.

THAT is the magic of compounding interest!

Time is one of our 3 ingredients to building wealth. Hear us talk through all 3 (discipline, money, and time) on our new episode 3 Tools to Wealth-Building out now on all platforms!

06/12/2025

Do. Not. Panic.

If you're not on track to hit these milestones, read this:
This is NOT the absolute measure of success. We've heard countless stories from financial mutants that were not anywhere near these milestones in their 30s and still reached financial independence. This might be your sign to start taking your future a little more seriously. But if you have a plan to reach financial independence that doesn't align with these goals, that doesn't mean you're doing it wrong. We'll be here for you every step of the way there!

If you're hitting these milestones, read this:
Congratulations! These milestones are here to help you celebrate. Make sure you are taking the time to enjoy your progress because we don't want you to burn out. Keep on pushing to reach the next milestone and beyond! You can achieve financial independence AND enjoy each decade of your life - we hope you're doing both. We'll be here for you every step of the way there!

If you want to hear Bo talk about these milestones, check out our new mini show out now on YouTube!

06/11/2025

What asset class is the best performing? It depends!

The Callan Periodic Table of Returns is a FANTASTIC visual representation of how asset classes have performed.

This demonstrates why people are such bad investors. At the end of 2021, countless people heard about real estate's strong performance. From TikTok investment advisors to your uncle's neighbor's dog, everyone was telling you that you had to invest in real estate. Flash forward to the end of 2022, you're looking at a 25% loss, not a 25% gain!

The Callan Periodic Table of Returns shows us exactly why we want you to consider a balanced approach to your investing strategy!

06/10/2025

Risk has two components: risk tolerance and risk capacity.

Risk tolerance is your personal appetite for risk, based on your feelings. A high risk tolerance is a cowboy who is ready to stay invested no matter the markets's twists and turns. A low risk tolerance is a hermit who is ready to sell at the first sign of a market downturn.

Risk capacity, on the other hand, is based on your mathematical ability to handle risk. A cowboy who is nearing retirement might need to stop taking duels. Similarly, the hermit with time on their side can consider taking a trip outside now and then.

A lot of times people only focus on their risk tolerance when they think about risk. But this table to is to show you that risk capacity is REAL. Align both your risk tolerance and capacity and you'll find the right amount of risk for your investment portfolio!

06/09/2025

At 25, Daniel and Lindsay have already checked off major life boxes: marriage, homeownership, career changes, and a new worth over $240k. But as they're planning for their future - are they doing it right?

As you can see, they're contributing to a 529 before reaching a 25% savings rate - that is sounding an alarm bell to us. Watch us talk about their financial future from financially preparing for a family to planning for retirement.

New episode of Making a Millionaire out now on all platforms!

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