Personal Finance for Long-Term Investors - The Best Interest

Feeling Time Poor? The Journey to Owning Your Time | Andy Hill - E123

8 snips

Dec 3, 2025

In this dialog, Andy Hill, a personal finance educator and podcaster known for his work on Marriage, Kids, and Money, reveals how he achieved financial independence while prioritizing family. He discusses his shift from chasing net worth to embracing net happiness, emphasizing that true wealth is about freedom and joy. Andy introduces the concept of Coast FIRE and shares his family's journey to financial stability, including creative strategies for part-time work, parenting with purpose, and the importance of aligning financial goals with personal values.

Ask episode

AI Snips

Chapters

Books

Transcript

Episode notes

INSIGHT

Time Is A Finite, Financially Relevant Resource

Time is a finite resource that often feels scarce even when objective free time exists.
Jesse argues financial plans should align with a time plan to prioritize what truly matters.

INSIGHT

Productivity Frees Time For Specialization

Specialization and productivity free up time for higher-value contributions.
Jesse links historic farming productivity gains to modern opportunities to specialize.

ANECDOTE

Painting Saved 40 Hours And A Shoulder

Jesse recounts paying $1,200 to have a tall living room painted to save hours and hassle.
He values the saved 40 hours and avoided risk more than the $1,000 labor cost.

Get the Snipd Podcast app to discover more snips from this episode

Get the app

Jesse sits down with Andy Hill—personal finance educator, podcast host, and creator of Marriage, Kids, and Money—for a candid conversation about building wealth while building a life you actually enjoy. Andy shares how a mix of financial discipline, intentional goal-setting, and family-centered values helped him and his wife pay off their mortgage by age 35 and achieve financial independence on their own terms. Together, they unpack why traditional FIRE goals often miss the human side of money, how to define "enough," and why generosity and purpose are essential parts of financial freedom. Andy also opens up about the shift from chasing net worth to focusing on net happiness, revealing the moment he realized money was no longer the main goal—but a tool for creating the life and impact he wanted most. Throughout, Jesse and Andy remind listeners that real wealth isn't about numbers—it's about freedom, joy, and using money to live aligned with what truly matters.

Key Takeaways:• Financial freedom isn't just about money—it's about creating the life and relationships you truly want. • Family alignment around financial goals strengthens relationships and ensures everyone is moving in the same direction. • Andy's shift from "net worth" to "net happiness" redefined how he measures success and balance. • Andy emphasizes financial independence on your own terms, not a one-size-fits-all version of FIRE. • Clarity creates motivation—when your goals align with personal meaning, saving and investing feel purposeful. • Sustainability matters more than intensity—consistent, realistic habits lead to long-term financial wellness.

Key Timestamps:(00:44) – The Value of Time in Financial Planning (05:16) – The Importance of Buying Back Your Time (08:31) – Interview with Andy Hill: Owning Your Time (14:33) – Exploring the Concept of Coast FIRE (18:51) – Dreaming of a Three-Day Work Week (22:18) – The Value of Relationships (25:05) – Practical Tips for Transitioning to a Three-Day Work Week (29:45) – Involving Kids in Financial Planning (34:27) – Diversifying Your Identity

Key Topics Discussed:The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques

Mentions:Website: https://marriagekidsandmoney.com/ LinkedIn: https://www.linkedin.com/in/andyhillmkm/

Get your pre-copy of Andy's new book here: https://amzn.to/4phCgqF

"Own Your Time: 10 Financial Steps to Put Your Family First and Escape the Corporate Grind" by Andy Hill More of The Best Interest:Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/

The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.