How We Built a $1M Net Worth by 32 (Step-by-Step Breakdown)

22:51And then in 2021, it flip-flopped and the salespeople got much better bonuses. So I mean, it was just being lucky, being in the right place at the right time, a piece of that. And, you know, I think that's something that you'll see in my story is I feel like I got lucky in a lot of places. And then I also had some places where I was very unlucky, you know, and it's just kind of taking shots. Sometimes they work, sometimes they don't, you know, sometimes you're lucky, but if your fundamentals are strong and, you know, you're keeping your, your cost of living low and you're saving and you're, you're taking chances on investments, some things are going to hit, right?

23:27And, you know, Scott, you always say nine out of 10 businesses fail. So start 10 businesses and you'll have a success. So yeah.

23:34Mindy Jensen:And you're taking advantage of these opportunities. You weren't the only person who could have moved over to that sales position. You just were the only person who did. And then you stayed there the next year. Yes, you got lucky with the timing of the move, but also you took initiative to do the move. I know that's what's setting you apart from so many other people who started near the same time you did, who are in similar roles, they don't have the same financial picture that you do because they didn't take advantage of all the things that you took advantage of, even though they had similar opportunities.

24:06Mindy Jensen:So don't discount your role in taking advantage and taking initiative. I think a lot of people are like, yeah, I just got really lucky. You got really lucky because you worked for it. And his position was compatible with luck, right? A position where Trevor had spent 95 % of his salary, maybe just taking a 401k match for for example, but spending everything else would not have been compatible with this move. And let's also acknowledge that while his salary was lateral, right,$90 ,000 to$90 ,000 as a base salary from his Pittsburgh to Chicago move, Chicago has a much higher cost of living than Pittsburgh.

24:41So there was, in fact, a reduction in probably the net take-home pay, for example, in some capacity that went along with that move. But he could do that for that opportunity because of his low living expenses and what I imagine, you know, carried through to Chicago. Whatever you're doing, you know, living in a triplex that rents for$500 to$700 a month that needs a lot of work. I mean, you were not living at large in Pittsburgh. So whatever you moved into in Chicago probably almost felt better, felt like a life upgrade, I would imagine at that point in time, along with that move. Is that a correct guess?

25:16In Pittsburgh, we were in a corporate apartment. It was pretty nice, like no complaints on the living situation. When we moved to Chicago, my own frugality got in the way. So we actually moved into an apartment. The triplex was an investment property, not a house hack. Is that correct? It was an investment property. Yeah. Got it. Okay. So when we moved into Chicago and maybe to back up a little bit, so I was able to take advantage of the relocation program again, right? So I wasn't able to do like the short-term assignment in this circumstance. I had like a full permanent relocation package, which those packages were also very generous in my company.

25:54And so I had essentially all of the cost of the move paid for me. I had my deposit for my apartment was paid, like all of the transactional fees that you think about. Basically, my company tried to make it so that way, if I was a renter, then like all of the lease cancellations in my old place, everything was taken care of. And in the new place, I didn't have to put any money down to get started in the new place. So, you know, very generous relocation program. Plus, with all of the different cash stipends and, you know, things to pay for, like utility hookups and other things, they just gave us kind of a cash.

26:29So, I actually made around$40 ,000 just in the moving process, moving from Pittsburgh to Chicago.

26:36Mindy Jensen:Okay. So, all the people who say, oh, I could never move. You could move. And not every company is going to have these relocation bonuses like this, but your company, if they want you to move to another location, you can ask them for these benefits and ask them, you know, oh, will you pay my moving expenses? Will you put down the deposit on my new apartment? Will you help me hook up my utilities? You know, it's going to cost me X to cancel my lease in my current location. Can you do that for me? Or, I mean, when you own a house, these relocation benefits can be quite lucrative as well. Yeah, I think that that willingness to move, like it comes back to housing, right?

27:11Housing is such a core variable on your personal finance journey. And if you're willing to be flexible with housing, one, you can greatly increase your ability to save if you're, for example, willing to house hack. And two, if you're willing to just move to where that next opportunity is, that can be enormously valuable in terms of pushing your career forward or you're building your net worth. And that's what it sounds like happened here. Yeah, absolutely. Well, cool. Let's hear about it. So how did it go? How did it go with the sales career and the move after this in terms of the next phase of your wealth building journey?

27:39Yeah. So I think, you know, 2021, I had purchased a house that we intended to move into. And so I started doing all of the remodel. The house was built in the 60s and it basically hadn't been touched since the 60s. And so I did like a full remodel, you know, knock down walls, renovated bathrooms, kitchen, upgraded the electrical panel. You know, I'm not a construction professional. I tried to do as much of the work that I could as possible. Maybe a couple of things on like doing the work yourself that I can comment on. A lot of the expensive things are like, you know, electrical, plumbing. If you hire an electrician to wire your whole house, you know, like for example, we put in can lights in our living room and the space that he would have had to crawl in was very uncomfortable.

28:25I was a young guy like... He's 33. He's like, I was a young guy back then. Yeah, exactly. Knees were much more forgiving in those days. Sorry. Keep going. So I hired an electrician. You know, I kind of told him like, hey, this is my plan. I'm going to put lights here, here, here and here. Here's how I'm going to wire it. Can you tell me like, will this meet code? I kind of gave him an overview of my plan. I said, will this meet code? Does this design make sense? Can you give me a quote for how much it would cost for you to do like the final, you know, bits and pieces, you know, because I had like an electrical panel upgrade and a couple of things like that.

29:03And I told him like, this is my plan. Can you run under your insurance? He agreed to it. I did all the wire running and then he came and I paid him, you know, maybe 1200 bucks to fix a low wire that was hanging in my backyard that connected to the, the power lines and the utility panel. And, you know, he told me that I probably saved about three grand running all the wires myself, hooking them up to the outlets, hooking them up to the light switches. So it was a huge cost savings. How do you factor in the insurance or liability risk attached with doing that kind of work yourself? That was one thing I could never wrap my head around with electrical in particular when I was, you know, self-doing that.

29:43And that's one of the things I always hired out. So electrical and plumbing, I would say, are the two biggest risk items. I think anybody can run wire in a house. Anybody can learn how to do PEX pipes. And so that, you know, that's, that's what I would do is I would run PEX pipes, wire, if there was a gas line or something like that, like that, at that point, I'd say, you know, I'm going to hire a plumber and the electrical side, I mean, I just explained how I would do it. But yeah, this, this particular electrician, he said that he would run it under his insurance. So we had documented the entire wiring plan, you know, everything that we were doing with the house as part of that remodel.

30:19And, you know, we just had copies of the work and I did all of the grunt work. He did all of the smart electrician work and it was all covered under his insurance in case I sold the house and something happened later. That's a wonderful solution to work alongside a licensed professional on a lot of those things and have that be in there. I had not thought of that, but I would have certainly been willing to do that if I had been creative or smart enough to realize that was an option at the time when I was house hacking.

30:46Mindy Jensen:Most municipalities will allow you to do work on your house if you're going to live there for the next year. So you can't come in and flip a house as an unlicensed contractor, but as a homeowner, you can do the work. So that's how Carl and I have done most of our live-in flips is his dad was an electrician. He grew up doing electrical work, but with electric and plumbing and gas lines, you have instant feedback. If the electric doesn't work, as soon as you turn the switch back on, you know that it doesn't work. So then you go and like try and figure out what doesn't work about it. With the plumbing, if you didn't tighten the pecs correctly, or you didn't sweat the copper correctly, as soon as you turn the water back on, you know it.

31:31Mindy Jensen:And same with gas pipes, you fit the gas pipes together. And then they have this, you could do like with soap, or they've got a gas tester thing, which is basically just soap. And you put it around the gas pipe, you turn the gas on, and it will bubble up if there is a leak. And I say this as somebody who just did this yesterday at the house that I'm building around the corner. I admire your confidence, Mindy, and your self-confidence in this area. This is not something I have today or had at the time to feel like, oh, yes, I'll get instant feedback. I was much more worried I would not get instant feedback and that there would be an event that happened several months or several years down the line that would become very problematic for me.

32:10So that was my fear. And I think that's a very legitimate fear for many folks who are not relatives of electricians or plumbers and dealing with these things.

32:19Mindy Jensen:It is absolutely a very real fear. But I think people make it up in their heads like it's this big, huge thing. It just was beyond my comfort zone as a YouTube-first DIYer, many of the things in my house. But anyways, we digress. So this is our second property, correct, that we're talking about here, Trevor? This is a property in Chicago. We have a first one in Pittsburgh. Is that right? Correct. Okay. And so tell us about what the numbers were at a high level, and then let's hear about the next phase of the journey. We moved from Chicago in 2022. So at this point, we took a job in Europe and we sold both of the properties.

32:55So I can kind of go over that process. Look at this timing. What a market timer. I know, right? So at this time, I mean, things were just going up. Chicago and Pittsburgh, especially, I felt like did well during this time period. And so for the Pittsburgh house, right? So we bought for 220K, I put about 35K into the property. And then the final sale value was 365. We did pretty well on that deal. And then on the Chicago house, the purchase price was 300 ,000. I put about 75K into that property and the sale price was 440 ,000 for this property. So these are huge wins. We're thriving here. Tell us about the move to Europe and the opportunity that that was.

33:37I'm sure that this is yet another example of the advantage of flexibility in your situation and how that paid off in the form of awesome opportunities.

33:45Mindy Jensen:And an even starker example of people unwilling to do this, like, oh, I might move to a different state, but I'm not going to move to a different country. Being open-minded, again, is just helping your net worth. The company that I joined right out of school, they had locations, offices, operations going on all over the world, which is one of the reasons why I joined them because I wanted to move internationally. That was a goal that I had had coming out of school. And so, Scott, I'm sorry to say I didn't 100 % enjoy my sales role. I was looking for a change around the end of 2021. I had a great year in 2021 in sales.

34:23I had that 25 % target bonus for sales and I greatly exceeded and I got a, I think a$35 ,000 bonus that year. I played the playbook right. Sales was not, at least what I was selling and what I was doing was not what I wanted to do for the rest of my life. At this point, like with COVID, I had been talking to leadership within my company for a long time about an opportunity to work overseas. I had several opportunities that kind of like, we would discuss them, they fell through. And these would have been like, you know, great expat or expat light packages that would have, I would have made, you know, tons of money, lived overseas and really enjoyed the experience.

35:01Like it would have been fantastic. But unfortunately with COVID, a lot of those opportunities disappeared. And so, you know, I kind of made a conscious decision, you know, Hey, I'm, I'm, I'm not going to sit around and wait for an opportunity to fall on my lap, you know, sometime between now and when I'm 45, I'm going to, you know, look external. This, I mean, this was a great company to work for, But I made the conscious decision to look externally for an opportunity to move to Europe at this time. And so I interviewed around, found a company that was crazy enough to hire me. Someone from the States, move overseas and join the company.

35:36And so in April of 2022, I found a job. I took a pay cut and I moved to Europe and moved to Stockholm, Sweden.

35:45Mindy Jensen:What was your wife doing when you were doing all this? You mentioned that she had some unpaid internships at the beginning of her career. How is her career progressing while you're moving all over the place? She's a speech therapist. In Pittsburgh, it's kind of weird. There's like three schools that have very, very good speech pathology programs. The pay there was like 45K and it was super difficult to find a job. So Pittsburgh was a terrible market for her profession. And then in Chicago, she was making closer to like 75, 80K. And then in Chicago, something else really exciting happened. We had our first kid.

36:21You had your first kid in Chicago and then moved to Europe. Yes, correct. That's awesome. Well, tell us about that transition to Europe and how things went, you know, both personally and professionally from there. The company that I joined had a very strong mission statement. I was really excited to, you know, contribute to what they were doing, what they were building. I took a pay cut. So I, at this point in time, my salary was right around a hundred K base. And then I was getting bonuses, you know, anywhere from like 20 to$40 ,000 a year was kind of what I had calculated from for what my bonuses would be.

36:52So I moved to Europe. I negotiated a hundred K salary. And this was right around the time when there was a lot of fluctuation between the U.S. dollar and other currencies. And so by the time I had accepted the offer and I had started work, my salary in U.S. dollars had dropped to 85K. And it stayed there pretty much the entire time that I was in Sweden. And then the taxes were a lot higher. And so like the after tax was probably closer to, you know, 45, 50K. Massive pay cut from what I was making beforehand.

37:24Mindy Jensen:How long were you in Sweden? So we were there for two and a half years. One of the big costs that comes into your life when you have a kid, if you're both working, is childcare. Did your wife continue to work or did you have some sort of opportunity like free childcare that we hear is so prevalent in many European countries? For childcare in Europe, they have, you know, great parental leave programs, especially in the Nordic area. So each spouse gets nine months of leave. It's capped at a certain amount and there's some nuances. So we didn't qualify for that since our daughter was not born in Sweden, but we did qualify for reduced childcare that was about 120 bucks a month for childcare expenses in Sweden.

38:05And so with licensing and other complications, my wife wasn't able to work in Sweden, but she did have opportunities to make money. She did work and we did put our daughter part-time in childcare while we're in Sweden. And I mean, the expense was like next to nothing. That would have been very different if you had been in Chicago, although there may have been more income opportunities as well to offset the cost of childcare. But that seems like at least one advantage. What else did you notice about your cost of living in Sweden compared to Chicago? One quick point on the childcare. One thing that we decided when we got married is that our kids, we would try and at least have one parent home most of the time for our children.

38:46So like in the US, we were always intending that my wife would stop working or work on a part-time basis to be there and support our kids.

38:53Mindy Jensen:Do you think the move to Sweden impacted your FI journey? You know, we were able to make this decision from a position of financial strength. When we accepted the job, when we were looking at the opportunity, it wasn't, hey, how much closer are we going to get to FI at the end of this? it was really like, hey, this is a life experience that we really want to have. We're in a financial position. After we sold our houses and everything, we had a net worth of probably$500 ,000, somewhere around there. And if you looked at our peers, we were like 28, 29. Our peers were much further behind us compared to where we're at in our journey.

39:29And we were at this point. And we were comfortable delaying our actual five date to have this experience.

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41:31Mindy Jensen:What does the rest of your financial journey look like? When do you think you're going to hit your FI number? And once you hit your FI number, are you considering leaving your employment? Yeah. So I think in Sweden, we had a great time there. Eventually, we kind of felt like, okay, it's time to get back to the US, make some money. Also, one quick thing that I want to comment on is like, I had a situation at work where I didn't really get along with one of my superiors. There were some issues within the company where, you know, leadership would take advantage of people that they weren't making much money.

42:07They were from countries where they didn't want to be sent back to. Sweden was a great country to live in. And, you know, just being able to have FU money, also being an American citizen and having the right to work in the US, You know, I was able to morally stand up to leadership at times where I didn't feel comfortable with something happening within the company. And also I felt comfortable. You know, I was I was always professional, but like, you know, speaking my mind and disagreeing with leadership in certain situations in a professional context. Right. I don't know if we talk about this enough, like the strength that that gives us is incredible.

42:44So leaving Sweden, it's a whole story. I got like RSUs as part of my benefits package. So I had a disagreement with my director while I was there. And I ended up getting laid off from the company and got like a crazy severance package. And then we also had our second kid in Sweden and I had a nine month paternity leave. Yeah, that's a fantastic end result. It seems like here where you move over, you get good comp, but you kind of haircut by that currency arbitrage, basically that challenge that came up. but you get free childcare, very low cost childcare for the duration of this. You probably have a pretty good quality of life.

43:19And then when things blow up with your boss, you get a really nice average package and nine months to kind of just relax and enjoy Europe before making your next move. Is that the right way to summarize what I just heard? I think that's a good way to put it. So as part of my overall compensation package, like the RSUs, it was really exciting. Spoiler, the company did end up going bankrupt and those are now worth$0.00. But I'm glad that I took the risk. I think it was the right play to make. And then as far as the situation with my boss, I was in a position where we had a disagreement and then I went on parental leave.

43:56Through reorganizations of the company, my role disappeared and I was offered a six-month severance package. And then my right to live in Sweden was tied to my employment. And so I negotiated with the company and I said, hey, you guys have the obligation to move me back to the United States because my right to live in Sweden is tied to my employment. And so I was able to make a case for myself and then get relocated, all expenses paid, airfare, goods shipment, everything back to the US. So what'd you do back in the US? I got another job, moved to the Midwest. And at this point in time, my net worth coming back from Europe was around 800K.

44:40And mind you, while we were in Europe, the cost of living was very high. We traveled a ton. I lived paycheck to paycheck and just let my investments grow. And then I had several big windfalls at the end of this with a six-month severance package and then some relocation benefits from my current employer moving back to the US. This is mid 2020. So I went back into a US company. I had a salary of right around 145K, signing bonus of 25K, 16 % bonus target. And then I get about between 20 and 30K in restricted stock units, 6 % 401k match, HSA contributions. And then as part of that moving package, I also had like all closing costs and expenses paid when I closed on my house here in the Midwest.

45:29So let me see if I can just recap the story here from a timeline perspective, because I'm a little confused at this point. We graduate in 2017 from college. We rack up a bunch of savings over the next year and then plop down$60 ,000,$70 ,000 on a triplex investment in Pittsburgh and build that up, fix it up, all those kinds of things. In 2018 or 19, Which year do we move to Chicago? So I moved to Pittsburgh in 2019. And then you moved to Chicago when? In 2020. Okay. And then in 2020, we moved to Europe for how long? In 2022, we moved to Europe for two and a half years. So I moved there March, April, 2022 and came back like July, August of 2024.

46:10Okay. I thought you said you moved back in 2020 to the United States earlier, and that was throwing me off. But I think if that makes, yeah, now I got the timeline here for 2024. for. So we now have this really awesome job that puts you into the elite income earning category, right? Top 10%, top 5%, maybe for your age category in there. And so that's got almost $200 ,000 in all-end compensation between the base bonus RSUs and 401k match. What happens then? What are our living expenses? And how does that touch you up here heading into 2026? We've got two kids now. So we've taken our foot off the gas.

46:45We're focused on just having a comfortable lifestyle. I'm maxing out my 401k every year, my IRA, my Roth IRA, and trying to do something productive with my bonus, either put it in investments and then I'm getting RSUs that I'm saving as well. By and large, I feel like we're spending quite a bit of money, right? So we moved at a time where housing was expensive and interest rates were not necessarily cheap. So our housing is pretty high compared to what we've had in the past. So yeah, I mean, we're not aggressively pursuing FI, but then like, I mean, if you look at it, we have a million dollars in invested assets that are growing and compounding.

47:26And so, you know, I think it's a lot less important for us to aggressively pursue FI than it was when we were much younger. You know, I think that this is really telling because, you know, I'm here at 35 and I will tell you that aggressively pursuing FI with the two kids that we have at three and 10 months, it's just not worth it. It wouldn't be worth it the same way that it was when I was in my 20s and did not have kids because guess what? There's something more important now than my early financial freedom, which is a stable, positive environment for them. There's trade-offs with that, right?

48:02If I was truly stuck on a treadmill and not really able to get ahead, something would have to change because I would feel it's imperative to accumulate because not accumulating at least somewhat aggressively, you know, be maxing at the 401k or whatever would threaten the stability of that lifestyle for my family. But I wouldn't, I don't think go all out or move into that next duplex or whatever it is, unless, you know, I could find a really interesting or unique opportunity to do that at this point. And I think that's a challenge for the FIRE community in a lot of cases is you don't hear a lot of families with young kids that are aggressively pursuing FIRE.

48:35We have found them here on BiggerPocketsMoney. They exist. But I think that your story is much more common among the community of people who will get really far ahead, get well past this definition of coast fi, and then chill out from a financial standpoint, maybe work with one spouse working or whatever in a really sustainable way. And I love it. I think that that's a really healthy evolution for a lot of folks in the fire community rather than death marching to the end state, especially with young kids in the household. You probably know as well as I do. I'm tired with the two kids. they take it out of me.

49:06And so if I had to pursue FI at the same pace and sense of urgency as I did when I was younger, that would just be difficult. And I don't feel like I'd be living my best life. So now I'm focused on delivering at work, very work focused right now, being there for my family, playing pickleball as much as possible, things that I personally enjoy. And also traveling and maximizing time with family. In Sweden, we didn't get to see our families as much as we would have like to. So we're trying to really maximize that time now that we're back here in the US.

49:37Mindy Jensen:Seems like you have learned the lessons of the FI community before you. When we first discovered it, you know, in 2013, it was how fast can you get there? This is your only focus. Get there as fast as you can. It doesn't matter how awful your life is. Frugality is the only way to get there. And I love that it has evolved so much into like, I think Coast FI is fantastic. I love the concept. there are people who say, oh, it's not FI at all. You know what? You will be financially independent at retirement age. And then as you continue to work, if you continue to save, you just march back that date a little bit.

50:13Mindy Jensen:And I think that that gives hope. It gives a lot of opportunity. It gives you the ability to kind of like look around and like stop and smell the roses to use a super cliched phrase. But, you know, life is worth living. So live it on the journey. You did all these crazy things in pursuit of five. You didn't go as hardcore as some folks we've talked about here. And you certainly had some opportunities to really get some cool experiences. But how do you feel about your financial position at this point in time and the tradeoffs you made to get to a million bucks by this point in your life with young kids in the household and career?

50:48What does that do for you from an emotive standpoint or a quality of life perspective? Definitely. We had a few years we were grinding, working really hard, but we always tried to do, you know, one large international trip and a domestic trip per year where we would go somewhere like, you know, Iceland or Peru or, you know, we would do fairly large trips and we do credit card hacking and everything to try and make that as cheap as possible. So we try and maximize the things that were important to us, but like, you know, things that we didn't care about, like cars, We just didn't spend money on them.

51:20So, I mean, I feel like we've had our ups and downs with our journey, just like everybody else. But for the most part, we've lived very good lives. I'm really happy with the approach that we took where, you know, we had seasons where we were very focused and, you know, moving very quickly and had a lot of urgency behind our goals. And then, you know, now like the season that we're in, like we're prioritizing other things. And I think, you know, especially if you can get the ball rolling early and part of it is the market has been really good, right? That's another really lucky thing is just the timing, right?

51:50The market has been really good. You've been fantastic with your timing too, because you rode the real estate leveraged wave up. Then you pulled out at 2022 when the market has gone sideways for most real estate and put that presumably into stocks, which have then been on a really enormous ride since then. That's got to be a wonderful boost behind all of this that has propelled your net worth forward. And that was not planned. I mean, the only reason why we sold those houses is because I didn't want the headache when we were living in Sweden of trying to work with a property manager and getting calls and at 2am or something like that.

52:23Well, thank you so much for joining us and sharing your story, Trevor. Really appreciate it and hope you have a wonderful 2026. Yeah, I appreciate it, guys.

52:31Mindy Jensen:Trevor, thank you for reaching out to share your story with us and then coming on the show to share it with all of our listeners. I think a story like this is really helpful. It highlights that those quote unquote sacrifices that you're making in the beginning of your journey can have really, really big benefits down the road. And I hope that our listeners take away as much as I did from this. I think this was an awesome story. Thank you again. Thanks, Scott and Mindy. Really appreciate it. That was Trevor. And that was quite the fun story, Scott. I loved how he leveraged all of these opportunities that most people really would just say, I don't want to do that.

53:07Mindy Jensen:And he did it when he was young. They didn't have kids yet. And they were able to really amass this big net worth by such an early age. What did you think of his story? This is a story of someone who has spent less than they've earned and said yes to a variety of opportunities that they had the chance to say yes to because of the strong financial foundation he built. So I'm super proud to have been a part of his journey in some way alongside you, Mindy, as a voice in his ear, perhaps here on the BiggerPockets Money podcast. And I'm just glad that he's achieved such a wonderful outcome here being a millionaire at age 33 and having flexibility and optionality and that maybe better feeling of peace with his personal finances than he otherwise might.

53:47Mindy Jensen:Yeah, Scott, you hit it on the head. You said he said yes to opportunities. Everybody has opportunities. Everybody listening to the show has opportunities. And it's when you say, oh, I couldn't do that, that you shut the door on those opportunities. And I don't think that he would be anywhere near where he is now if he lived like everybody else did. So I love that he was adventurous and took chances and they didn't always pan out, but he still got things out of it. Like the trip to Sweden, he still got to live in Sweden, even though financially it wasn't a boon. He doesn't regret it because he still got to live in Sweden and travel all over Europe.

54:23Mindy Jensen:So I just, I love that he said yes to so many opportunities. So I want to leave a final thought for all of our listeners. What opportunities have you not said yes to in the past? And how can you position yourself so that you can say yes to opportunities in the future? A challenge, if you will. If you're looking for more resources, I'm having a blast building out biggerpocketsmoney.com. You should check out the new nav bar. I've got it all organized. I've put our podcast feed, our YouTube channel, our newsletter. I've put our blog. We have a bunch of new features that we'll be rolling out that I'm building, some of which will break, of course, because I'm building them personally and just having fun with it.

54:59But go check them out. We've got a resource library with personal financial statements, spreadsheets, goal setting templates, all that kind of stuff. We have Mindy's, well, both of ours, but Mindy really did all the work on this one with the 31-day challenge at biggerpocketsmoney.com slash 31 days. Go check it out. Tell me how you like the site and whether you think that something is missing, something that's in the outline should be next up because you're really excited for it. Or, hey, Scott, you never added a spot for this. Where are you going to put this core thing that you obviously need to make?

55:26So we'd love that. Email me at scottatbiggerpocketsmoney.com or check out the Contact Us page, also new on the site. Go check it out. We're having a lot of fun building this out and would love your feedback on this still developing new website.

55:37Mindy Jensen:And you can follow us on Instagram at BiggerPocketsMoney. Join our Facebook group, facebook.com slash groups slash BP money, or watch us on YouTube at BiggerPocketsMoney. All right, Scott, should we get out of here? Let's do it. That wraps up this episode of the BiggerPocketsMoney podcast. He is Scott Trench. I am Mindy Jensen, hoping that this episode finds you cooler than a penguin in a walk-in freezer.

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