5 Signs You’re Overthinking Investing! (Plus Money Q&A!)

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24:16Need to hire? This is a job for Indeed Sponsored Jobs. Now, if you watch this podcast on Spotify, Apple Podcasts, or YouTube, you probably noticed the wood slat walls behind us. We wanted this podcast set to look professional, but also not be a project that was overly complicated. And I found these slat walls on Wayfair, and it completely changed the space. And it's now basically the background that you see in every single podcast or piece of content that we record. And that's one of the things that I love about Wayfair. You can shop thousands of products across different styles and budgets, use customer photos and reviews to see how things actually look in real homes, and find something that fits your space.

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25:38Every style, every home. When I started the Personal Finance Podcast, I had no idea how big it could become. I just knew I had something I wanted to share, so I started putting it online. And looking back, I definitely wish I would have started a decade earlier. One of the horror parts about building something online, though, is making it look professional. A website used to mean hiring a developer, figuring out design, and potentially spending thousands of dollars. In fact, on my website, I spent tens of thousands of dollars. That's what impressed me when playing around with Hostinger's AI website builder.

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26:59His job is five to six days a week and year round. My job is five days a week and only 10 months throughout the year because I work for a school. During the two months that I'm not working, I can't collect unemployment because I receive an insurance of employment letter every single year. Applying for some other employment for the time that I'm not working seems to be a yearly battle. Is there anything that I can do so that we aren't fighting every year to keep a roof over our heads, to keep the power on, and to keep a vehicle? Any advice assistance would be greatly appreciated. Thank you so much for your time.

27:32First of all, Brenna, I feel you deep down with this. I know this is a very difficult situation to manage money when it comes to this. And you even thinking through this and the way you're thinking through this is really, really important. Now, this is a great time of year to start thinking about it because school just started. And so you can develop a plan over the course of the next year so that you have something for the summertime that's going to allow you to kind of carry through. Now, the core problem with this is a couple of different things. One is you're budgeting as if you have 12 months of paychecks, when in reality, you only have 10 on your side.

28:03And so what I would do is a couple of different things. One is you can ask your district's payroll if they will change your paychecks to a 12-month option. Some districts will do this, some will not. We have teachers in Master Money Academy, for example, that we've kind of chatted about this with them. Some of them have been able to move money to a 12-month system instead of 10. Now, if that's not an option in your district, then we can kind of do some of this ourselves. You can actually set this up in a way that helps yourself. So if they do not allow you to do that, you can do this yourself.

28:33So what I would do is take your monthly summer expenses and figure out what the difference is in the summertime and multiply that by two and then divide it by 10. What this is going to do is this is going to allow you to understand, okay, maybe I need to take a portion of every paycheck and put it towards my summer paycheck fund. And so what I would do is set up a savings bucket and it's something like a high yield savings account. You can use my favorites down below that are linked down below. and what I would do is automatically send money to that high yield savings account with each paycheck because what you can figure out here is, okay, well, over these two months, I'm gonna need to save myself an additional$2 ,500 a month, okay, let's just use that math.

29:14So if you need to save$5 ,000 for your summertime, then you can start to send money over there by dividing that number by 10, sending that money over there, 500 bucks a month, and all of a sudden, by the time summer comes around, you will have that money sitting in that account and it's going to remove the stress and it's going to remove the anxiety out of that situation so this is like if you listen to our episode that we just did with mess jesse meacham this is kind of what we're talking about here is making sure that you set money aside so that money is just there when the time comes and i would do this with all sorts of things i do this with christmas so that christmas doesn't surprise me i do this with car insurance if you have every six months you have a car insurance bill so that doesn't surprise you, you just got to treat this summer paycheck as a bill.

29:59Now, if you're barely getting by as it is, then increasing your income or finding a way to have a side hustle year round that you could do maybe on nights or weekends is going to be very, very helpful to then make sure that you're funding this summer paycheck. Okay. So here's an example of this. Let's say for example, that you said, okay, well, I can't really even do this because I'm barely getting by as it is. we're living paycheck to paycheck currently, then what I would do is maybe find some sort of side hustle. Maybe you deliver groceries. Maybe you have a side hustle that helps you kind of increase your income little by little every single month.

30:31And you take that extra income and put it towards the summer paycheck fund. Then once you get to the point in time during summertime, you can even do it a little more if you wanted to. Secondly, is if you do work for a school and you have capabilities to do things like tutoring, teachers have a lot of really cool capabilities. And so if you have the ability to do things like tutoring or helping people with different things that are in your field, well, you can do that on the side as well. And you can make a lot more money, doing consulting or tutoring or those types of things if you wanted to go that route.

31:02The other thing I would say is to line up summer work before the year ends. So there's things like summer school or extended summer programs. There's district summer camps that could pop up. And if you start to line this stuff up before any of that stuff begins, that would be a great thing. Like working at summer camps is another great side hustle, you know, during the summertime that happened a lot. Or if you are really good at something and you want to host your own summer camp, that's also a great side hustle that you can do. And so what I would do right now is I would run a bill audit. I would look at my bills throughout the entire year and I would say, what, how much is going out and how much is coming in?

31:37Once you understand how much is going out and how much is coming in, then you can decide how much that summer paycheck fund needs to have in it. Or you can decide how much you need to make in the summertime in order to make up the difference there. And then look at the car specifically, because if the car payment is breaking you every single year, then deciding if that payment needs to be stuck around, deciding if you need to keep that car payment is going to be another thing. And one of the things I'll say here is as you start to think through some of this plan, an emergency fund is going to help protect you against this as well.

32:06And so if you want to keep funding this and you build up that emergency fund to, you know, six months of expenses, for example, then the summer months can't surprise you as bad. Now, obviously, you don't want to dip into the emergency fund every single summer, but at the same time, if that's what you need to do, there's nothing wrong with that whatsoever. So you can treat this fund as part of your emergency fund. And this is why we talk about, you know, making sure that you save with the 136 method. We want you to save one month of expenses, then three months of expenses, then six months of expenses inside of your emergency fund.

32:35This is the exact reason why, so that you have this cash cushion to allow you to protect against life when life happens just like this. so after this i would set up a high yield savings account even if you can't get enough money in there to fund your summer paychecks just yet even just getting it started is going to get the ball rolling and then start finding ways to earn a little bit of extra money either in the evenings or on the weekends or start lining up those summer jobs because if you line up a summer job that's going to solve the problem immediately and if there's a summer job that you can do every single year that's going to really really help this situation but trying to figure it out as you get closer to your end is probably the problem.

33:13If you start planning right now, then you can do some cool stuff. Even sports leagues, like think about this, for example, okay? There is my kids, for example, they work or they are in sports year round. In the summertime, we're like doubling down on sports just to try to keep them busy. But a lot of these sports programs like flag football or t-ball or baseball or basketball or soccer, they need more people to help them. And a lot of times this happens on the weekends or in the evenings. And so if you can work as an administrator for them, or if you can do things like that, that's another way that you can kind of get involved with your expertise since you already work at a school and still have the ability to kind of make some extra money.

33:50If you can get yourself to make, you know, a few hundred dollars per month and put those few hundred dollars per month towards your summer paycheck fund, it'll solve the problem pretty quickly. So two things, the quickest way to solve this is one, find a way to save those summer paychecks. Two, try to line up summer jobs now. Three, work on building up that emergency fund after you get this all smooth and leveled out so that emergency fund can help you anytime there's emergencies that pop up just like this. I hope that's helpful and I hope it's something that you feel as though it can work. And if you can, if you can spread out your paychecks over the course of 12 months instead of 10 months, that's also going to help you long-term.

34:30All right. The next question is, hi, I'm a male, 31 and single and I make a little over a thousand dollars every two weeks and I don't have to worry about much because I still live at home what should I do with my money we just had an episode on how to save up your first hundred thousand dollars even on low income that's the first episode I would target if you haven't heard that episode yet but the first thing I would do is build up your one month of expenses and so if you want to if your goal is to move out of your parents home at some point in time I would build up one month of expenses then three months and then six months and start putting that money in a high yield savings kind of take at least a portion of your paycheck and start putting it over here.

35:04The rest of your paycheck, I would take at least one of your paychecks and start investing those dollars. I would start growing that money and I would start to really get the ball rolling. So if your job offers a 401k match, I would take advantage of that. This can get you a 50 to a hundred percent rate of return. If you don't have a Roth IRA yet, I would consider opening one of those and looking into that. You could put$7 ,500 per year inside of a Roth IRA and start to grow that with low cost index funds and ETFs, then as you start to do this, I would pay yourself the rent that you would be paying somewhere else.

35:34Start to live a lifestyle like you are on your own. Don't spend all your money while you're living at home because that would defeat the purpose of why you're there. And instead, start to save money, start to put it towards your emergency funds, start to put it towards your investments, and really get the ball rolling. If you are making$2 ,000 a month and you're living at home and you don't have expenses currently, you should be saving and investing 50 to 75 % of your income. Outside of that, it's going to be one of those things where what's the point of living at home? Like what's the point of even doing this?

36:02It's one of those areas where saving more is going to help you dramatically. So put real energy next into your income and growing that income, because that's part of the reason it's pretty hard to live on$24 ,000 per year and move out of your parents' house. And so increasing your income would be the next goal. So if you're going to invest some of these dollars, I would even invest some of those dollars in increasing your income and finding a way to increase your income so that at some point in time, you can start making good money because at 31 years old, that's going to be the most important component for you long-term is increasing that amount.

36:34So increase your income, start funding that emergency fund and get started investing. Those are the three things I would do. And then making sure your savings rate is really, really high. I would at least at a minimum, one of your paychecks should be going to saving and investing. And that's how I would think about that so that you can find a way to get out of their parents' house. So great question. Let me know if you have any other questions on that.

36:56All right. So now we're going to get into the scam of the week. All right. So we love during these Q and a sessions to kind of get into some of the scams of the week also that we have seen happen. And the reason why we do this is because there are so many different scams that are out there. Now, financial scams are happening left and right. And we want to make sure that we are protecting our finances. And so a lot of times I talk about these because I've had my identity stolen in the past and it's not a fun process. And I want you to avoid that at all costs. So there's a new scam called ACATS fraud.

37:27So if you don't know what ACATS is, it is the automated customer account transfer service, the system that brokerages use to move your stocks, your index funds, your ETFs, or your cash from one firm to another. So let's say, for example, you want to move money from Vanguard to Fidelity. ACATS helps you do that. Now, the scam works like this. A criminal is going to use your name, your social security number, your address or date of birth or all whichever ones they have to open a brokerage account in your name at another firm. Now, opening a brokerage account does not require a credit check. So the credit freeze does not stop it.

38:03So if you have your credit frozen, which we talk about all the time on this podcast, and this happens, it's not going to stop it actually. So it's really, it's really a dangerous thing that I want you to know. Then they submit an ACATS request from the new account, pulling your holdings out of your real account, because the names match on both ends and they have your account number, this can go through. The whole thing can validate in one business day. And so the window to even catch this is pretty tiny. So they never have to have your passcode or anything else. They can actually do this as long as they have your account number.

38:36Now, scammers will often flood victims with emails and notices and notifications to kind of bury that this transfer happened. And so they're getting smarter and smarter, which is absolutely wild. And so this money can deliver on this bank account. This became a bigger issue because there are senators in Congress right now that are stating, hey, if you do a transfer, the person who is transferring the money needs to be notified. Right now, it is not a requirement for you to get notified if money is being transferred from one brokerage account to another. So they are saying, basically, we need additional protections.

39:08So places like Webull and Robinhood and interactive brokers are where this has been happening the most. And so if you have those types of accounts, I want you to make sure that you are taking some of these steps that I'm about to talk about here to protect yourself. All right. So step one is to turn on transfer lock at your brokerage. Fidelity calls it money transfer lockdown. There are other places that have a similar name. And what it does is it rejects all outgoing ACATS requests. Vanguard added one called the output transfer lock in July of 2026 under your security profile that allows you to also do this.

39:43And Schwab has a manual account lockdown, but you may need to ask for security or the fraud department to be able to do this. So this is basically similar to like freezing your credit, only it's like freezing your brokerage account from these ACATS transfers. Now, if your brokerage does not offer a lock, you can call and ask them to flag the account to block outgoing transfers with something like a phone verification, for example. And that's going to help you make sure they send alerts before they're being processed but you can call up your brokerage and kind of say hey what are my options here because this seems to be happening more frequently treat your a brokerage account number like a password you want to be careful with this number because this is the one thing that if these scammers get it and they can go and try to find your name and your information this is going to be a bigger problem and always obviously turn on two-factor authentication turn on all the protections when it comes to your brokerage account this is your wealth building machine.

40:32You do not want this getting stolen because it's hard to get it back if it does get stolen and check your accounts monthly. Just put it as part of your monthly routine to check your accounts. Make sure everything's there. Everything looks a-okay. That's going to be really, really important. Now, if a scammer gets a piece of your information, like if they get your account number and they do some research to figure out whose account number this is, or they get a piece of your name, then all of a sudden they can start to look at different data brokers and find the rest to your information because all they have to do is Google your name in quotations, or they can Google your phone number in quotations.

41:03They can Google your address in quotations and all the rest of your information can pop up. And so this is why I use a service called DeleteMe because what DeleteMe does is it goes to those data brokers and it removes all of the personal information from those data brokers that causes this to happen. There's a lot of laws that need to be passed when it comes to data brokers, but data brokers can sell your personal information to all sorts of different people. So if people get a piece of your personal information, Delete.me will remove that information from those data brokers. I get alerts every month from Delete.me that tells me all the places that they have removed my information.

41:39And you can select places like if you don't want to remove from certain websites, then you can also do that. So Delete.me is an awesome, awesome solution to help you with stuff like this, to help you protect your finances online. I think it's super important for every single person to take this seriously because again, it happened to me. It is one of the most daunting tasks to try to figure out how to fix financial fraud. So I would recommend going to join delete me.com slash PFP 20. And there you can get 20 % off of delete me because in reality, you really need to make sure you're getting your personal information removed and they constantly continue to remove it as well.

42:13It is such a cheap service for what they provide. So I highly recommend delete me and we've been using them for years. So again, watch out for those ACATS transfers. It is a serious thing. And it is one of those things that you could lose a ton of money if you have not protected against this. I'm already going into my brokerages and making sure I have these protections in place. And so glad I have DeleteMe to make sure my information is removed. All right, the next question is from Barry. So Barry says, hey, Andrew, I just want to start off and thank you for everything you do. and I always look forward to your podcast every single week.

42:49I have a general question I was hoping you could help. I have four kids, a wife, and when I received my tax return, which is pretty good with the kids, LOL, I was wondering where a good spot to park this money would be rather than just sitting in Fidelity SPACs. I'm looking for growth, and currently SPACs has a seven-day yield of 3.3%. I am fine with growth or dividend, really. I really would overall like to just invest these dollars and would love to hear your opinion. So here's a couple of things I would do. One is if you have an emergency fund in place, then that is fantastic. Then you can start to invest those dollars.

43:21Now, what we say is to first make sure you have one month of an emergency fund, then build up to three months. Once you're at three months emergency fund, that's where investing really can start to heavily begin. Because in reality, before you have that three month emergency fund, that's where, you know, life can happen. It can derail your progress, can derail your investing progress, and then you're just going backwards. So instead, making sure you have at least three months. And then ultimately the goal is to have six months over time here, but having three months is where you're investing can really heavily begin.

43:49So if you have a three month emergency fund, great. If not, you can leave it in SPACs at 3.3 % currently at the time we're recording this, that is a very competitive rate. Then from there, what we want to do is we want to make sure that we are investing our dollars into something that can help us based on our risk tolerance, but also based on what our investment plan is. So for me specifically, I have a very high risk tolerance, meaning I really like growth index funds and ETFs. So like a VLO, a VTI, a QQQM, for example, are some of the investments that I love to invest in because I love the growth.

44:20I love growth, especially when I'm in my accumulation phase. And so for me, I want to allow my money to grow as much as possible. So if you're looking for some index funds and ETFs, what I would do is research, you know, some of the ways to get that ball moving. Now, if you're getting closer retirement, that's when you could add in dividend stocks or ETFs. ETFs or index funds to your portfolio. But before retirement, you want to get maximum growth so you can build that portfolio as large as you possibly can. That's the ultimate goal if you are in the accumulation phase and if it fits your risk tolerance.

44:51So doing some research on that front is really, really important. Then you're going to put it in the right account. So looking at things like the Roth 401k, if your employer has one, the Roth IRA, the HSA, the taxable brokerage, and the 401k are all the accounts that I would look into. And for me specifically, my current order is the Roth 401k, Roth IRA, HSA if you're eligible, but there's less people eligible to the HSA than there has been in the past. Then I would go probably 401k and then taxable brokerage. But the taxable brokerage is one of my favorite accounts. And I have been investing a lot more heavily into it because it is one of those things that allows for flexibility.

45:31And I love that flexibility. And I love the ability to be able to build wealth with that taxable brokerage. So a lot of cool stuff that you can do there. But that's the way I would think about this. And if you have any questions on that, please let me know. My relationship with money has changed a lot over the years. Early on, I thought building wealth was about making more money. Now, I know it's really about having clarity. When you know exactly where your money is going and whether you're on track, you make better decisions. That's one of the reasons I love Monarch. It's the personal finance app that tracks everything from your accounts and investments to your savings goals and spending.

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48:02That's PolicyGenius.com. All right, the next one's from Jordan. Hi, Andrew. I'm Jordan. I am 44 and I am very new to all this. I'm a working class man who is trying his hardest to make up for a lifetime of procrastination. My question is, as a newcomer to investing with little money to start with, what's the best approach? Where exactly do I start long-term gain or create passive income? Hope this makes sense. Absolutely makes sense, Jordan. So first thing I would say is I would love to invite you to Master Money Academy. We teach people step-by-step exactly how to invest. And you can have as little as$5 to your name and we can get you started and get the ball rolling.

48:37So Master Money Academy teaches people how to build wealth and invest. So I would love, for anybody listening, I would love to invite you there because that's the fastest way to get yourself on track, especially if you're just getting started. All right, at 44, you still have a really long time horizon. So you feel as though you may be behind. You still have 20 plus years to get your dollars invested, which is absolutely amazing. So I want you to know, it is never too late to get started investing and you still have plenty of time to get the ball rolling. First is you wanna have your emergency fund in place.

49:05If you don't have that in place yet, building up at least a one month emergency fund and then ultimately trying to get to three months in your emergency fund, like we just talked about with some recent questions is gonna be super important. Second is if your employer offers a 401k match, then you wanna take advantage of that. Sometimes they call it an employer match, but you wanna take advantage of that because it is free money. And having the ability to put money into your 401k and your employer also gives you money to put into your 401k is really, really great. Three is I would look at a Roth IRA somewhere at Vanguard or Fidelity.

49:38That is one of the best things that you can do early on is getting money into the Roth IRA. The way that it works is money goes in that's already been taxed from your paycheck. It grows tax-free and you can pull the money out tax-free after the age of 59 and a half. And so that tax-free growth over the course of 20 plus years is gonna be the majority of this account and the majority of this portfolio. So I would look at that. Now, remember, the biggest mistake people make when it comes to a Roth IRA is they think it's the investment. It is just the account. You still have to invest those dollars once it's in a Roth IRA.

50:08So choosing things like low cost index funds and ETFs are going to be the way that I would look at this. You can look at target date retirement funds as well. If those sound confusing, we have episodes on all of these. So you can check that out. The next thing is to make sure you're automating your money. So once your money comes into your paycheck and hits your checking account, automating it to these investment accounts and automating it to your emergency fund is going to be super, super important. And then any high interest debt that you have, if you have any high interest debt above a 7 % interest rate, like a credit card or a personal loan, you want to make sure you get that paid off prior to a lot of this investing as well, because that is going to have compound interest working against you.

50:46Like for example, a credit card usually has around 20 % interest, whereas the market's going to return about 10 % rate of return historically to investors. And so that delta means that it is much better for you to pay off the credit card than it is to invest those dollars. And then the next thing I would say is to focus on your income. Increasing your income is going to allow you to really accelerate your path to building wealth, allow you to put more dollars towards your investments, allow you to really think about a way to do this. And so if you can get certifications or things in your job, I think it's really, really important to try to increase that income.

51:17But that's the way I would think about this. Really great question. And let me know if you have any other questions. All right. The next question is from Kim. Kim says, hi, Andrew. I was just laid off from Uber. I'm so sorry. Part two of their AI layoffs. And I really thought my job was secure since I was the hardest to reach for driver support. Well, here I am 47 years old and I'm looking for similar work, but definitely want more control of my life now. My fiance suggested we learn about day trading. I am down to learn anything new, especially if we can make some supplemental income or even better make it as a source of actual income.

51:48My question is with so much going on internationally and now with these new laws passing, making crypto more regulated, will this help the crypto market become less attractive since the government's hands are now taking crypto more serious first i want to kind of address the day trading thing uh because this is a lot more important than the crypto one that you're asking here okay day trading is not a job or a side income day trading is the the large majority of retail day traders lose money and if you in fact you look at the statistics it is worse for people because you're going to be burning through your savings as you're learning then you can really most people can afford to lose and so I would really caution you against going into day trading, especially doing it as part of your full-time gig.

52:32Instead, I would A, go and try to find a different job within your career path that you can go out and do. 47 is still really young. You can do a lot of great stuff at the age of 47. And I feel as though people, as they approach the age of 50, feel as though they're starting to get too old to start a new career. It is absolutely not true. You have plenty of time at the age of 47 to do something new. And so I would, A, file for unemployment immediately so that you can start to, or negotiate a severance if you can with Uber. Uber should be giving you a severance. If they haven't yet, I would try to negotiate one.

53:08And I would try to think through my health insurance as well. What am I gonna do? Am I gonna do a whole COBRA plan or whatever else? Those are the two big things to figure out right now. Then I'd build a bare bones budget, making sure you understand how much is going in, how much is coming out, so that you can develop a plan moving forward. and then I would turn the job search into my full-time job. I would not day trade. I would not do any of this other stuff. Your customer support background is going to allow you to do a lot of great things. There's a lot of places who need customer support.

53:36And so that is going to be one of those things that is going to help you long-term. And if you want more control, you know, look at some of the skills that you can have. Maybe you can get some certifications and spend some time getting some certifications that allow you to get different jobs if you want to make a career shift. But those are the four things that I would do first, okay? So focusing on finding the next job, that's the most important thing. Your income is so important, and so finding your next job, number one. Consider what I'm saying here, and I would not try to day trade. Two, on the crypto regulation question.

54:05So the more regulation around crypto makes it more attractive to institutions, not less. So it does not become less attractive to institutions because when there's more regulation around it, banks and brokerages and pension funds can now trust it a little bit more to be able to invest in it a little bit more. This is why we saw a lot more institutions investing into it over the course of the last couple of years was because there was more regulation around it. There was more rules around it. And for this reason, regulation actually reduces risk for these institutions. It reduces fraud. It reduces all the other things that are happening in crypto that were happening left and right.

54:36If you notice, crypto scams, at least around Bitcoin, the main stuff, has reduced a little bit. Now, it's not to say stuff couldn't pop up at any point in time because it absolutely could. and the crypto market seems to attract those types of folks. But it is one of those things that I think short term is positive. Obviously, they want deregulation. They don't want any of these rules and parameters around that. That was the goal with crypto. And so for some people, that's going to be the way they think about it. But you want institutional investment because that's what's going to really get it to the million dollar mark, like in Bitcoin, like what people keep have been saying for years and years that it's going to go to a million dollars.

55:10If you want that to happen, institutions need to be involved. So if you want institutions to invest, you've got to make sure that you have it attractive to them. And so that's where I would think about that. And for anybody looking at crypto, like any alt coins or anything like that, just don't just, this is not financial advice, but there's a lot better places to put your money than into alt coins or anything else outside of most crypto. And in fact, like even Bitcoin and stuff like that, it's so volatile. There's no intrinsic value. You really need to think through before you're even investing in something like that.

55:42So what I would say is for you specifically is to focus your time and energy, finding a job, find a proven investment plan that's going to allow you to retire when you want to retire and start to execute, execute, execute. That's the entire goal. So awesome question. I am so sorry that you have to go through this layoff round. I'm so sorry that you have to deal with this, especially at 47. But you have so much time left. I promise you, you will land on your feet and you will be doing some pretty cool stuff if you lock in and do some of these stuff step by step. Thank you so much for that question.

56:10I truly appreciate it. And thank you all for listening to this podcast episode. I truly appreciate each and every single one of you. If you want to ask a question, feel free to shoot me an email and you may get your question answered on the show. Also, if you're getting value out of this episode, make sure you follow and leave a five-star rating and review. It truly does help us spread this message. Cannot thank you guys enough for leaving those five-star rating and reviews. And if you want to learn how to invest, even if you only have a$5,$10,$25, or if you have thousands and thousands of dollars and you want to learn how to invest master money academy is the place to do this i teach you how to invest how to build a diy portfolio my goal is financial education for you inside master money academy but in addition if you get stuck you get to ask me questions on the weekly coaching calls and you get to talk directly to me i get to know pretty much everybody inside master money academy it's super fun so if you want to talk to me if you want to have conversations with me about your money or your finances or investing master money academy is the place to do that.

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