Own Your Time: Build a Life You Control w/ Andy Hill #1088

Jan 14, 2026

Andy Hill, author of 'Own Your Time' and host of the 'Marriage, Kids & Money' podcast, shares impactful strategies for reclaiming your time. He emphasizes the importance of tracking finances, having meaningful conversations with partners, and prioritizing joyful spending. Andy introduces the 'debt hatred method' for tackling burdensome debts and discusses the benefits of transitioning to solopreneurship. He also critiques overwork culture, advocates for work-life balance, and reveals how intentional choices can lead to a fulfilling life.

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ANECDOTE

Net Worth Wake-Up Call

Andy and his wife discovered they had a negative $50,000 net worth despite earning well.
That revelation triggered their shift from long hours to intentional financial planning to buy time for family.

ADVICE

Lead With Dreams, Not Numbers

Start conversations about time and money by dreaming together, not with numbers.
Ask fun prompts like what you'd stop doing if a $5M check landed in your account to reveal true priorities.

ADVICE

Know Your Cash Flow Margin

Track exactly how much money comes in and where it goes to find margin.
Use the gap between income and expenses as the power to buy back time through savings or investing.

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We all get the same 24 hours – but it sure doesn’t always feel that way, does it? Why is it that some people seem to have time for hobbies, meaningful conversations, even a slow cup of coffee, while others are just trying to survive the day on repeat? Today, we’re breaking down what it really takes to build a life that feels enjoyable, sustainable, and manageable… not rushed and reactive. And a crucial part of that equation are smart money decisions and intentional choices about how we spend our time. Our friend Andy Hill is here to share his wisdom. Andy runs Marriage, Kids & Money, and he’s the real deal – someone who has put in the work and built a life guided by values, freedom, and family. Everything he shares today comes from experience, not theory. Some of the topics we get to:

Best reason every for tracking and budgeting
Importance of effective communication with a partner
Cutting expenses shouldn't mean depriving yourself of joy
The debt hatred method focuses on paying off emotionally burdensome debts first
Transitioning to solopreneurship can provide more control over your time
Experimenting with work-life balance can lead to a more fulfilling life
What “FU” money affords you
Life is for living, not just saving for the future
And plenty more!

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Andy: Own Your Time is the book, and Marriage, Kids, and Money is the podcast.
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Money Gears: knowing what to do with your money is crucial to your personal finance journey.
MG7: and maybe you’re well on your way to financial independence but you’re looking for some financial reassurance, that’s when heading over to HowToMoney.com/Advisor and getting matched with a highly vetted financial advisor makes sense.

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