You Can Change Your Finances in 3 Months (Here is How!)

21:19And I want you to know your net worth. Those are the six core metrics that once you understand these metrics, you're gonna be more financially educated about your own personal finances than most people in this country. You can walk up to anybody, any of your friends right now and ask them those six metrics and they will not know. But once you know those six numbers, you're already one step ahead of the game. And now we're gonna get into the other steps that you need to take to get way ahead of everybody else over the course of the next three months. So number two, I want you to look at your housing costs because I think most people need to understand where they stand when it comes to housing.

21:56Now, this is something that a lot of people will get all up in arms about when you talk about housing. In fact, a lot of times we will compare housing costs to a bunch of other expenses and people get up in arms when you talk about housing costs. But really, housing costs are the thing that are robbing a lot of Americans of their ability to build wealth. Now, let me say this up front, because in our current times, it is very hard to keep housing costs low. I know that affordability is a huge issue, and I know that we need to find ways to get more affordable housing. whether it is building more housing, which I think is the number one metric if you look at any economic report, it's building more housing so that we have more housing so that we can reduce the prices of housing.

22:41This is one of the keys to making sure that we have a thriving economy, is having affordable housing. And so because of this, and because the situation that we're in, I know how difficult it can be to hit some of these metrics that I'm about to talk about, but we have to find a way to do so in order to master our finances. Because if we don't, that means we are just giving up, throwing our hands up and surrendering. And so guess what? We focus on the things that we can control here. And we are looking for some of the areas that we can master in order to ensure that our future is secure. And so I want you to understand that housing is one of the biggest costs and usually the biggest line item for most people.

23:19And most people never run the numbers when it comes to housing, but that's okay. Cause I'm going to show you exactly how to do that today. So what I want you to do is I want you to figure out how much you spend on housing every single month. I want you to take every expense associated with housing. So if you rent, this is going to be your rent. This is going to be your utilities and any other costs associated with your rent. Maybe you have some renter's insurance. Maybe you have some additional expenses that you pay. Maybe you have some additional expenses that you pay for a parking spot. Whatever costs are associated with you living and existing in that place that you rent, that is number one.

23:54Okay. So add all those costs up. If you're a homeowner, boy, oh boy, do you have a lot more costs to add up? So we have this thing called a total cost of ownership calculator that you can go check out. If you go to mastermoney.co slash resources, the total cost of ownership calculator will help you go through this process. But what I want you to do is add up every single expense associated with owning your house and homeowners, you know how many additional expenses you have. So I'm talking about your mortgage payment. I'm talking about your insurance. I'm talking about utilities. I'm talking about maintenance.

24:26Now, maintenance is the big one. How much do you actually spend on maintenance? When you did your last three months, how much were you spending on maintenance every single month? And, or you can look at the last year and see how much you spend on maintenance every single year. This is the lawn care. This is the pool care. This is the shrubs. This is you going out and buying tools. This is your Home Depot runs. This is a Lowe's runs. All of these things are going to add up. Those are part of the maintenance items. Then I want you to look at repairs. How frequently do you have to repair items? How much do you spend every single year on repairs?

24:54Add all those up and any other costs associated with the house. If you renovate the house, if you add things to the house, all of your housing costs all added up into one. And I want you to know what this number is. Then I want you to take your gross income, which you now know from looking at your gross income, and I want you to figure out what 30 % of that gross income is. If you're spending more than 30 % of your gross income on housing, then that means you're spending too much on housing. If you're spending less than 30 % of your gross income on housing, then you are A-OK. Now, you may run these numbers and say to yourself, well, I spend 32 % on housing currently.

25:30Then maybe there's some minor tweaks that you can make, or maybe you can't. But I can tell you right now, if some of you are spending 34%, 35 % of your income on housing, 40 % of your income on housing because you live in a high cost of living area, you are also probably very stressed with money. And if you are in a relationship or you're married, you and your spouse most likely maybe have some micro arguments about money and you're having conversations about money and blaming each other for certain things that aren't actually the problem. Maybe you're blaming each other because you went out and made an Amazon purchase or somebody else went on a target run and spent a little too much.

26:03But instead, the real problem is look straight up. It's the roof above your head. Because if you overspend on housing, it is very hard to catch up in every other area of life. And so housing is a huge one that I want you to add up. This could be the problem. And this could be the place that we just need to course correct. Now you could course correct in a number of different ways. One is you can spend less in other areas. So housing, food, transportation are the big three, where if you focus on those areas and you can spend a little less in one area, then you could spend more in another area. So transportation is one, for example, that if you have two brand new cars in the driveway and you overspend on housing, then you are most likely living poor right now.

26:42If you have a$70 ,000 truck and a$50 ,000 SUV in your driveway, that is most likely a huge, huge problem for you. And so for folks in this situation, if you got yourself into this situation, let's just focus on spending less in some of these areas if you need to spend more on housing. Now, there's other ways you can course correct. You can downsize your house. You can get a roommate. You can house hack, meaning you can buy something with multiple units. Maybe it's a house with a mother-in-law suite. Maybe it's a duplex and you live in one unit and then you rent out the other one to reduce your housing costs.

27:14Or it's just consciously reducing expenses in other areas. But noting that if your housing cost is above that 30 % number, it is going to be much more difficult to build wealth than someone who keeps it below that 30 % number. Again, we recognize how difficult it is right now to do this, but this is what you have to do as a wealth builder. For some people, they may even be wanting to move to a lower cost of living area if you are in a very high cost of living area. Places like California, New York City, all these different areas are very difficult to keep your housing cost below that number. But maybe you don't spend as much on transportation as someone else.

27:47And so you can figure out how to make that work. And so this is another big key area and why it's step number two is understanding where your housing costs stand and to look at your housing costs so that we know what we need to do next. Now, we're going to learn how to automate our money. Billion dollar investors don't typically park their cash in high yield savings accounts. Instead, they use one of the premier passive income strategies for institutional investors, which is private credit. Now, the same passive income strategy is available to investors of all sizes thanks to Fundrise Income Fund, which has more than$600 million invested in a 7.97 distribution rate.

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31:48The other night while the kids were asleep, I had one of those moments where I sat back and thought, wow, this is the life I always wanted. Not perfect, but meaningful. And it's full of life, growth, and purpose. And it reminded me how important it is to protect the life that we are building. And that's where PolicyGenius comes in. They make it simple to handle one of the biggest responsibilities that we face, making sure our family is financially protected. And PolicyGenius isn't a life insurance company. They're an online marketplace that lets you compare life insurance quotes side by side from top insurers.

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33:02In Master Money Academy, we have students who have gone through our money automation courses there, and they have said back to us, man, I feel like I'm not doing enough with my money anymore, because before I was making spreadsheet tweaks all the time and messing with my budget, and now I don't have to do anything anymore. And that is the beauty of money automation, because you can focus on living your life, you can focus on building your career, you can focus on spending more time with your family, or just going and doing what you want to do day in and day out, instead of having to think about your money all the time.

33:30So instead, what I want you to do is I want you to learn how to automate your money, and I'm going to show you exactly how to do it right now. So the first thing when it comes to money automation is we want to make sure that we are paying ourselves first. And so how do we pay ourselves first? One of two ways. Number one is we make sure that we are investing our dollars. And so we invest our money in a number of different ways. One, you can look at your company's 401k plan, and you could start to invest in your company's 401k plan. That's a great place to start. Remember, we want to have our savings rate at 20%.

34:00Two is you can look at something like a Roth IRA. And a Roth IRA is a fantastic retirement account to get more dollars in because the money goes in that has already been taxed. It grows tax-free and you could pull the money out tax-free in a Roth IRA. Three is you can look at a taxable brokerage account, which is another fantastic account, just a standard old brokerage account that you can get anywhere to open up and start investing there. But we want to make sure that we are paying ourselves first. Secondarily, we want to make sure that we are also contributing to our emergency fund if we don't have a six-month emergency fund built up yet.

34:33And so because of this, we want to make sure we put this in a high-yield savings account and we make automatic transactions towards our emergency fund. Now, when it comes to saving cash and having cash on hand, we have an entire episode explaining what we call the bucket method. So if you want to hear more about the bucket method, we will link that episode down below in the show notes. But this is where you save your emergency fund and any other savings that you have. Maybe it's a down payment for a house. Maybe you're saving up for a new car. All of those different savings goals are going to happen here.

35:01But we always, always, always pay ourselves first. And then we spend what is left over. It is very important to do that. Because when you pay yourself first, progress happens automatically. You don't get the crumbs that are left over. Instead, you make sure future you eats first and that everything else falls into line. Next, we're going to automate our bills. So when we are looking at automating our bills, this is going to be the place and time where we have a process and a system to do this. So for most people, you think about a checking account. And when you have a checking account, all that account really is, is a flow through account.

35:34And so for most people, the max they need in a checking account is about one month of expenses. And you can have less than that if you want to. I keep my checking account pretty lean. And the reason why I keep it lean is all this is, is a pass through account. This is gonna be the funnel that flows towards everything else. So when you get paid, first thing you're gonna do is set up those automations so that you can get your money towards your investment. So you can set it to your brokerage accounts, wherever you have that set up, you can send those automations there. Secondarily is making sure you set it up to where it automatically goes towards your savings account.

36:04And then we wanna pay our bills. And so you can set this up to look at this where, hey, any bills that need to come out of a checking account, usually things like a mortgage or someone paying rent or someone who is out there who has utility bills, those are the types of bills that need to come out of your checking account because typically you can't pay for those bills. with a credit card. Then secondarily, when you have all of your bills set up and automatically being paid through your checking account, then we can look at the credit card and pay everything else. So I put as many of my bills as possible on a credit card.

36:35Now, the reason why I do this is twofold. Credit cards are actually great tools if you know how to use them correctly. You can earn points and miles, and my family has taken tons of different trips by utilizing a credit card. Secondly, is you can earn cash back if that's something you value, and I have family members who have utilized their cash back to buy all the holiday gifts for that given year. I have friends who have utilized their cash back and actually invested in their future and some of them have told me they have over$30 ,000 in that specific investment account that they use when they get cash back from their credit cards.

37:06So there are so many different ways that you can use the cash back on cards that are really, really powerful. Now the stigma that credit cards are evil are because people who don't know how to use them correctly are gonna go into debt and credit card debt is one of the worst things that you can ever do for your finances. So if you've had problems with credit card debt in the past, don't use a credit card, just use your debit card or use your checking account to pay for most of your bills. But if you have been responsible with credit cards in the past, I highly recommend using credit cards to pay as many bills as possible and then paying off those credit cards in full.

37:38Now, I pay off my credit card in full once every single week. Now, for some of you, you may be like, well, why does Andrew do that? Does it increase his credit score? Does it help improve something specifically? No. In fact, all it does is it keeps me on top of my balances. And I wanna make sure that they're paid off in full every single week, so I'm on top of those balances. All it is is financial management. And so I try to make sure that we get those cards paid in full every single week. In fact, I have this setup on automations now where my cards are paid in full every single week based on how much I spend.

38:12And so I understand exactly where I stand because I pay them off every week. So on Fridays, I'll call my wife and say, hey, go ahead and pay off your card. I'm gonna pay off mine or I'll shoot her a text so that we make sure that those are paid off on a weekly basis. But if you wanna do biweekly or monthly, there's nothing wrong with that. But the key is that we never pay a cent in interest. We never, ever, ever go into credit card debt. We don't let it carry an extra week. We don't let it carry an extra two weeks. No, instead, we are making sure we are on top of our money and getting those paid off in full.

38:43If you struggle paying off your card in full, get off the card because that's the key overall. Now, the only reason why we spend money on a card is to make sure that you have cash on hand in a checking account. So if you don't have the cash on hand already, then you should not be spending money on a card at all. Instead, utilizing your cash would be the key. And so that is the caveat. You treat your credit card as if it is coming out of your checking account because it is. And so for most people out there, you do not spend any money that you do not already have that hit your banking account. Not any future money that's coming in.

39:13you only spend money that you already have. So automatically paying your bills on your credit card, in your checking account, and then paying those off in full every single month is the key to setting up your bills. Now, every single bill should be on auto pay. I don't want you to have to think about and remember some of those bills and all those different things. Now, if you're on a really, really fine, tight budget and you are saying to yourself, well, I don't know if I set up all these automations, I don't know if I'm gonna be able to have enough money to pay these off. What I would highly recommend is figuring out when your bills hit.

39:45Then you can actually move those bill dates. You can call up those providers and say to them, hey, let's go ahead and move this date to the 15th every single month, the day after you get paid or three days after you get paid to ensure that you already have the money there to pay that off. The second thing that you can do though is work on building up that one month buffer because then you're paying for this month's bills with last month's money. And so when you do that, that's gonna help you not get into trouble ever when it comes to automating your money. So for those of you who are living paycheck to paycheck or you're on a tight timeline there, then let's just make sure that we have a one-month buffer in our checking account and we move and know when those dates are, when our bills actually hit.

40:24Those are the two ways to make it most accurate. Again, it's all about intention with your money. And so this is how you automate your bills. So we've automated our investing, we've automated our savings, and we've automated our bill pay. And so now we see we have a money system running on autopilot. Now, again, if you want our money automation checklist, just go ahead and check the link down below. We will link it up down below in the show notes that you have that so that you can utilize that as you go through and start to automate your money. Next, we're gonna talk about investing. Next, let's talk about investing because one of the biggest things that most people do is they will come to me and say, well, yeah, I can automate my investments, but I don't know how to invest.

41:04I don't know what to do when I invest and I don't really know where my dollars need to go. Now, for most of you out there, just understanding investing is actually a lot easier than most people think. Wall Street tries to overcomplicate investing and make you think you have to buy all these individual stocks, or you have to day trade, or you have to understand charts, or you have to understand metrics. But instead, investing is actually very simple. Now, there are two things that I like for most investors to look into, and it's index funds and ETFs. And they do very similar things and are almost exactly the same.

41:34They just have a different way that they trade. And so an index fund, when you buy an index fund or you buy an ETF, you are just buying a bundle of stocks. Just think about a big basket and a bunch of different stocks are placed in that basket. You know, during the end of the year, during holiday time, people put together those festive baskets that you can give away maybe at corporate events, or you can give them away to your friends or family. Well, that's the same thing when it comes to index funds. People have put together these baskets of stocks so that you can just buy them in one trade and make it a lot easier.

42:03And so index funds and ETFs work exactly that way. You can think of companies like Amazon or Apple, Disney, Home Depot, NVIDIA, all the biggest companies in the world you can buy in just one big basket. And there's a bunch of different ones out there that I love. But investing doesn't have to be complicated. Instead of trying to beat the market, you can just buy the market. You may have heard of terms like the S &P 500 or the Total Stock Market Index Fund. And these are just different funds that you can go out and buy and put together. And so investing doesn't have to be complicated. The keys are making sure that you have a plan in place, you stick to that plan, no matter what the market is doing, and you continue on with that plan.

42:41And continuously investing every single month is one of the best things that you can do with your dollars. So investing doesn't have to be hard, it doesn't have to be complicated, it doesn't have to be scary. You just have to understand a few simple things and you'll be off to the races. Now one other thing that a lot of people ask me is, where do I invest? So there are a lot of different places that are great to go out and invest. I like Vanguard and I like Fidelity. Those are just two great places where I keep most of my money. And those are brokerages that I've had for a very long time. They have low cost funds.

43:10They have plenty of account options. And so they just give you the opportunity to invest in things that are great. Charles Schwab is another one that is absolutely fantastic that a lot of people love. I just don't have an account there, but a lot of people love Charles Schwab as well. And they have low cost funds. So those are three great places to get started and get the ball rolling. All right. So number five is we need to focus on our freedom number. Now, we talked a little bit at the beginning about your freedom number because there's one of these six metrics that I want you to track. This is also called your retirement number.

43:41But I want you to reframe this in your mind as your freedom number because once you hit this number, I want you to understand this and I want you to pay attention here. Once you hit this freedom number, work becomes optional. It is not something that you absolutely have to do. Instead, you can decide if you want to work or not. And once you hit that number, you can become financially independent. you can retire if you want to. And so this is a very powerful number to know. Now, I'm going to give you the quick, easy math on how to know what your retirement number is, but there's a lot more that goes into this number.

44:12And then I'm going to talk about why we need to continue to track this number over time. So the way that this works is that you can look and figure out how much do you want to spend in retirement every single year? Now, the first question that people ask me is I'll say, hey, how much you want to spend in retirement every single year? And they'll say, hey, I'm 32 years old. I have no idea how much I'm going to spend in retirement. And this shows a very key thing that we need to understand. We need to track our retirement number every year because life changes. Our priorities change over time. And so because of this, we need to make sure we are on top of this number.

44:45So here's the key is let's make sure first that we figure out how much are you spending right now? And you decide, okay, well, hey, I'm spending $80 ,000 per year. Let's just use a nice, easy round average number. So if you spend$80 ,000 per year and you multiply that by 25, because we're going to use the 25X rule, then that means you would need$2 million invested in order to be able to be financially independent. Now, why is that? Because when you have a portfolio built up, the 4 % rule is a rule that states, hey, you can draw down 4 % of your portfolio every single year, and you have a very high chance of preserving your portfolio throughout your entire life.

45:25And so the 4 % rule is actually a very conservative rule that ensures that your portfolio is preserved. You can look into the 4 % rule. We have episodes on them as well, which dive really, really deep into this. And so once you have this set up, you can withdraw 4 % every single year. So every million bucks is$40 ,000 that you can draw down in that portfolio. That's the easiest way to think about this, but your priorities are going to change over time. And so we need to make sure, well, right now I'm spending 80, but what if I get married and I start to spend 100 or I have a couple of kids and now we're spending 110 per year.

45:54And so you make those adjustments over time to your retirement number to get as close as possible to where you need to be. Now, in your early years, especially in the messy middle where you're married, you have kids and you have a lot of things going on, a lot of expenses, you may be spending way more during that time frame than you would be in retirement. And so there are some things that you could do to look ahead to say, hey, will I have a mortgage? Do I plan on having this debt? Do I have to spend money on some of the things that I'm spending on for my kids right now? If not, then you can make those adjustments.

46:22But at the same time, things like inflation are eating way at your dollar every single year. And so if you make these micro adjustments year in and year out, you're not going to feel the pain. You're not going to feel very different when you make those adjustments. And you're going to build up a fantastic retirement portfolio where you may be able to retire way faster than you ever thought you could. And that's why I like to do these micro adjustments every single year to my retirement number so I don't have to think about this 10 years down the line where I have to make a huge adjustment and I have to scramble to catch up.

46:51And so making micro adjustments to your retirement number every year is really, really important. Now you can get really granular with this, adding in things like your pension, adding in things like healthcare, adding in things like social security and what the impact of those will be on your retirement. And those are very important to add in, but we're just giving you the quick back of the napkin math that you can run to get the ball rolling. All right. So once you do those first five things, the last thing I want you to do is number six. And number six is the part that I don't think you're going to expect from some financial expert telling you how to utilize your money.

47:24And I want you to learn how to spend your money, but not just spend your money. I want you to enjoy your money. See, being good with money doesn't mean you're depriving yourselves. It means you're being intentional about how you spend your money and you spend more on the things that you love. In fact, I want you to spend as much as you possibly can on things that you love. And so that's the entire goal of why we even start to build wealth is so that we can enjoy our life, so we can live our dream life. And you can do that right now. Even if you're in debt, even if you are still working to try to get yourselves ahead, you can still live your dream life now.

47:59You just have to be intentional with the way that you think about your money. So I'm gonna actually show you how to do this line by line so we can find some money to utilize towards the things that we actually value. For me, I worked so hard in my 20s to try to get to where I am today. So I like to spend money on things that I enjoy. I enjoy playing golf. I enjoy spending time with my kids and taking them places. I enjoy spending time with my wife and actually going out to a nice dinner. I enjoy traveling with my family. So all of these things are really important to me, and I want to spend more on those things and less on the things that I could care less about.

48:33So if you're the type of person that goes out and you just spend frivolously, not even thinking about it. And then you get home and you have these bags of junk that you just brought home and you regret it. That is a big deal that we can make adjustments right now to help you fix that. And then all of a sudden, those dollars are going to be freed up to do the things you actually want them to do. So here's what I want you to do. I want you to go back and we're going to get intentional about this because intention is everything. So I want you to go back to your bank statements and go back and look at those three months that you looked at in step one.

49:01And I want you to say to yourself and go line by line and say, are there things on this list that I really wish I didn't spend money on. Flag anything that you spent money on out of convenience or just out of habit or things that you just buy on autopilot that you really don't care about anymore. Then I want you to think about this for a second and let's get intentional. Do I want to keep this in my budget or do I want to start to cut this out? Because all of the things that you cut out are going to free up more dollars to spend on things that you actually value. Then once you have that pile of money that you're cutting out of your budget that you just were spending on frivolous things, Maybe it's the extra random target runs.

49:36Maybe you were just spending money because you're bored. Maybe you're buying extra things at the grocery store. Then we can take all that pile of money and we can redirect it towards things that you value. Maybe you want to go on more vacations with your family so you can have more memories. Maybe you want to spend more going and doing the things that you love. Maybe you want to put more towards health and fitness because you've been neglecting those areas. Maybe you just want to buy more of a hobby you enjoy because it brings you joy. All of these are great reasons to spend money. and they're great reasons to actually learn how to get your money together and become intentional with money so that you can spend it on the things that you love.

50:12And that's our entire goal here is to have you enjoy your money and have you use it as a tool to get the things you want in life. Listen, thank you so much for being here on this podcast. I truly appreciate each and every single one of you. If you wanna learn more about how to spend money intentionally, how to be intentional with your money, I highly encourage you to join Master Money Academy. That is our community of people who are wealth builders who are all working towards this common goal of financial freedom. And we give you the steps on exactly what to do with your next dollar so that you know what to do next.

50:42But in addition, I do weekly group coaching calls in Master Money Academy so that you can master your money in every way possible. Again, thank you so much for listening to this podcast episode. I truly appreciate each and every single one of you. Again, join the Master Money newsletter. If you guys have any questions, you can respond to any of those newsletter issues that come out every single week. Thank you again for being here and we'll see you on the next episode. LifeLock, how can I help? The IRS said I filed my return, but I haven't. One in four taxpaying Americans has paid the price of identity fraud.

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