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BiggerPockets Money Podcast

Latest episodes

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10 snips
Jun 17, 2025 • 1h 5min

The Proven Path to Financial Independence in Your 40s

Dave Fleischer, a teacher and host of the Financially Independent Teachers podcast, shares his inspiring journey to financial independence by age 39. He emphasizes that achieving wealth isn’t solely about income levels, but how strategically you manage your finances. Discover how living below your means and downsizing your lifestyle can serve as a 'cheat code' for building wealth. Dave also highlights the importance of financial education and making informed choices that align with your goals, proving that financial freedom is attainable for everyone.
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14 snips
Jun 13, 2025 • 1h 2min

How to Access Retirement Funds Early Using the 72(t) Strategy

John Bowens, Director of Education at Equity Trust, shares his expertise on the 72(t) strategy for early retirement fund access. He breaks down the intricacies of Substantially Equal Periodic Payments (SEPP) and how to avoid hefty penalties for early withdrawals. Listeners learn critical compliance rules and the importance of investment strategy for utilizing retirement accounts effectively. John also discusses various distribution methods, including amortization and annuitization, and highlights the risks and planning needed for a successful retirement strategy.
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18 snips
Jun 10, 2025 • 56min

Money with Katie: Breaking Free from the Middle-Class Money Trap

Katie Gatti Tassin, founder of Money with Katie and author of 'Rich Girl Nation', shares her journey of breaking free from the middle-class financial trap. She discusses her early financial awakening that helped her double her income and build a profitable business. The conversation emphasizes the importance of real-time spending tracking and challenges the so-called financial 'truths' that can hinder wealth. Katie offers actionable mindset shifts and strategies for financial independence, promoting empowerment and improved financial literacy for women.
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31 snips
Jun 6, 2025 • 54min

4% Rule Creator Bill Bengen Reveals His NEW 5% Retirement Strategy

Bill Bengen, a financial advisor and the mastermind behind the 4% rule, joins the discussion with fresh insights for retirement planning. He reveals why his updated recommendation is now a 4.7% withdrawal rate, signaling greater financial flexibility for retirees. Bengen dives into the psychological barriers retirees face when spending, the role of real estate in a diversified portfolio, and strategies for both active and passive management. He emphasizes the importance of controlling expenses and finding purpose beyond money, reshaping traditional retirement strategies.
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10 snips
Jun 3, 2025 • 55min

The Ultimate Guide to Asset Protection: LLCs, Insurance & Partnerships

In this engaging discussion, real estate attorney Bonnie Galam, who specializes in asset protection and estate planning, dives into the crucial topic of safeguarding investments. She reveals the two sides of asset protection, emphasizing proactive measures over reactive ones. Bonnie addresses whether LLCs are necessary for rentals and explains the importance of tailored insurance coverage. Listeners will gain insights on estate planning, the risks of equity partnerships, and how personal events can jeopardize properties, all while learning actionable steps for securing their portfolios.
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27 snips
May 30, 2025 • 40min

The “Set It and Forget It” Path to FIRE by Your 40s

Meet two ambitious twins who achieved impressive six-figure net worths in their 20s, all while pursuing financial independence and early retirement. They share their 'set it and forget it' approach to investing, combining stocks and rental properties for a diversified income. Flexibility is key as they discuss adapting FIRE goals to life's changes and navigating market fluctuations with ease. Plus, they reveal how family values shaped their journey into real estate, and they offer insights for beginners eager to learn about building wealth.
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9 snips
May 27, 2025 • 55min

Leaving His Job at 36 to Give Back, NOT Get Rich During FI

Ryan Brennan, founder of the FI Service Corps, shares his inspiring journey to achieve Coast FI by 36 and leave his corporate job for service work. He discusses the savvy money moves that propelled him to a seven-figure net worth and the emotional rewards of pursuing a purpose beyond wealth. Ryan highlights the essence of financial independence—using resources to give back to the community, including building homes for low-income families. His vision promotes a fulfilling life focused on altruism, community impact, and personal freedom.
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8 snips
May 23, 2025 • 1h 2min

If No One Follows the 4% Rule, What IS the Right Withdrawal Rate?

In this engaging discussion, Karsten Jeske, aka "Big Ern," an early retiree and expert on safe withdrawal rates, challenges the widely accepted 4% rule for retirement. He shares insights on why even he doesn't follow it, suggesting a more comfortable withdrawal rate for early retirees. Karsten emphasizes the need for adaptability in withdrawal strategies amidst today's volatile markets, discusses diversifying portfolios with cash-flowing assets, and presents differing views on whether to pay off mortgages or invest. Essential advice for aspiring FIRE followers!
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8 snips
May 20, 2025 • 47min

No, Taxes Won’t Derail Your FIRE: Here’s What You’ll Really Pay in Retirement

Mark Livingstone, an investor and data analyst, dives into how taxes in retirement are less daunting than most people believe. He reveals insights from his free tax spreadsheet that predict retirement tax burdens. The discussion highlights the differences between marginal and effective tax rates, showing that early retirees often pay less tax today than in previous decades. Mark also shares strategies to optimize withdrawal methods and explains the four income ‘levers’ for tax-friendly financial planning in the FIRE journey.
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20 snips
May 16, 2025 • 43min

Scott Steps Down as CEO: A New Age for BiggerPockets Money

In this episode, Ale Ayestaran, the new CEO of BiggerPockets and former leader at one of the largest property management firms, shares insights on transitioning leadership and his inspiring career journey from Patagonia to tech. He discusses the evolving landscape of real estate, highlighting how technology is revolutionizing property management and investor experiences. Ale emphasizes the vital role of community support during these changes and the importance of AI in enhancing user interactions and investment strategies.

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