Financial Advisors React to UNBELIEVABLE Money Clips

Brian and Bo react to some of the most unbelievable personal finance advice, money mistakes, and investing decisions on the internet. From inflation and future home prices to buying too much house, spending while in debt, retirement withdrawal strategies, sequence of returns risk, and extreme frugality, they break down what smart money management actually looks like. Whether you’re trying to build wealth, save for retirement, get out of debt, buy a home, or reach financial independence, these real-world examples reveal why creating margin, investing consistently, and following the Financial Order of Operations can matter more than flashy financial shortcuts. ⁠⁠⁠⁠Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. Learn more about your ad choices. Visit megaphone.fm/adchoices

Speaker names marked ? are inferred from speaking time and the show’s known hosts — they are not voice-verified.

• 0:02Speaker 00

  The action's on the court and as the official beer sponsor of the NBA, Michelob Ultra is getting fans closer to the game with a chance to win courtside seats, merch and more. Visit michelobultra.com/courtside to enter. Michelob Ultra Courtside 26 to 27. No purchase necessary. Open to US residents 21+ Begins on October 1st, 2026 and ends on June 30th, 2027. Multiple entry periods. See official rules at michelobultra.com/courtside for free entry, entry deadlines, prizes and details.

• 0:30Speaker 01

  Are your ad campaigns lighting up the dashboard? But not the pipeline. That's bull spend and marketers are calling it out in. Dashboard confessions.

• 0:39Speaker 00

  My boss asked for results, so I opened my dashboard for the only positive sounding metric I had. Impressions.

• 0:47Speaker 01

  Cut the bull spend. See revenue, not just reach. LinkedIn delivers the highest return on ad spend of major ad networks. Advertise on LinkedIn. Spend $250 on your first campaign and get a $250 credit. Go to LinkedIn.com/campaign. Terms and conditions apply.

• 1:00Brian Preston?

  I've been told we have unbelievable clips to react to. I don't know if this means mythical, urban legend, or just straight up false, but more to come.

• 1:08Speaker 03

  Everyone, I am so excited because I don't know if unbelievable means like unbelievably good or unbelievably bad. Let's dive right in.

• 1:15Speaker 04

  If the next 30 years look like the last, by 2055, you will see prices like this.

• 1:20Speaker 05

  What are they gonna look like?

• 1:21Speaker 04

  How much do you think an average home will cost in 2055?

• 1:24Speaker 05

  I think we're gonna creep into the millions.

• 1:26Speaker 04

  Millions.

• 1:27Speaker 05

  Yeah, I'm gonna say like 1.4 million dollars.

• 1:29Speaker 04

  So the average price now is what, around $500,000?

• 1:32Speaker 05

  Yeah, because you're talking all across the country.

• 1:34Speaker 04

  The price of an average home in 2055 would be 1.6 million dollars.

• 1:38Speaker 05

  That was a phenomenal guess by me.

• 1:40Speaker 04

  How much is a new car gonna be in 2055 if the next 30 years look like the past?

• 1:44Speaker 05

  So I think now, I think the average one's like 25, 30,000. Let's just triple it. Why not? Let's go like 80,000.

• 1:51Speaker 04

  Okay, it would be $128,000.

• 1:53Speaker 05

  I don't know. That's, that's, that's more than a six-digit salary.

• 1:56Speaker 04

  How much would average rent be in 2055?

• 1:59Speaker 05

  It's gonna be up there, Brian.

• 2:00Speaker 04

  It's definitely gonna be up there.

• 2:01Speaker 05

  I mean, average rent now, gotta be around 2, 3,000. Okay, let's just throw out a guess. Put like 6,500.

• 2:07Speaker 04

  Exactly.

• 2:07Speaker 05

  Whoa.

• 2:08Speaker 04

  On the money, how much would gasoline be per gallon in 2055?

• 2:11Speaker 05

  Gas right now is already skyrocketing.

• 2:13Speaker 04

  Yeah, what is it, like $4?

• 2:14Speaker 05

  I paid like $4.50 today for gas. Yeah, it's high. I think it's gonna be $9.

• 2:18Speaker 04

  It would be $16 per gallon.

• 2:21Speaker 05

  You can't, you can't do, you can't charge someone that.

• 2:22Speaker 04

  I, I agree.

• 2:23Speaker 05

  It's gotta slow down.

• 2:24Speaker 03

  So this is the math I would love to see because they took some specific industries to specific products and they looked at the last 30 years. And it'd be interesting to see what the rate of growth over those things was in the last 30 years because what they're saying is accurate. Inflation is real. It is a thing that causes the price of goods to increase in time. So hearing that the average cost of a home would be about $420, $450,000 now, but 1.6 million dollars in 2055, that's not insane. That doesn't blow my mind. I do think though, realistically, there are some things that have grown at a pace over the last 30 years that will not increase. One of the ones that like comes to my mind immediately is like the price of higher education.

• 3:06Speaker 03

  That is something that I would argue has outpaced the rate of inflation that will likely have to revert to the mean. But some of these other things like homes and automobiles, it didn't surprise me too much.

• 3:16Brian Preston?

  Look, this is more of a perception or brain exercise. I mean, even in my lifetime, I remember my grandmother bought an Oldsmobile and it was less than $3,000. Fast forward to the car that I got used many years after it was new, 1984 Chevy Cavalier. The sticker price on it was less than $10,000, I believe. So you can now, now with cars being 30, $40,000, you can see the exact same thing is gonna happen. My parents' first house that when I was five years old, we moved into was $60,000.

• 3:49Speaker 03

  What year was that?

• 3:50Brian Preston?

  That was 1978. So here's the secret to all this. Own stuff.

• 3:55Speaker 03

  That's right.

• 3:55Brian Preston?

  Go out there and use your time, your labor to create an income that then you can live on less than you make that creates the margin that you actually put to work by buying assets that appreciate. You'll keep pace. You won't have to worry. Don't let this stuff scare you. Just act accordingly.

• 4:12Speaker 06

  My dad died with about 800 or 900 grand to his name and he should have spent more of it. My dad was so terminally cheap that I don't think he ever really had a chance to enjoy his money. At some point, assume you're gonna get a 4% return on your money. Assume that at some stage that 4% is more than your burn. Could we spend a little bit more money on travel, on maybe fixing up our house, on maybe giving a little bit of money away to things we're passionate about or people who could use some help? The whole point of being as responsible as you've been and working as hard as you've likely worked is that at some point, money means nothing from zero to 18. It kind of means way too much, sometimes everything, 18 to 70 or 80. And then as you get towards the end of your life, it means nothing again. Money is meant to be at some point spent.

• 4:56Speaker 03

  I think this is absolutely right. I think that a lot of people, there's no point in trying to be so frugal and so tight that when you leave this earth, you leave behind a giant pile of money if that was not your goal. But on the flip side of that, the, the, the sad truth is, most Americans are not in that position. If you look at the average retirement savings for the average American above the age of 65, it's like $185,000 that they've saved up. So I do agree, folks that have been good with money, folks that have built up, folks that have built wealth, absolutely should spend and use that money to accomplish the goals they have in life. And if you're one of those people, you should take that to heart. But if you're one of those people that says, See, they said I shouldn't save. They said I should spend. If you have not done the hard work of actually building the wealth, you're getting

• 5:41Speaker 03

  your steps out of order.

• 5:42Brian Preston?

  Don't go with the die with zero mentality until you're squarely ahead of the curve. This is something I love to give not financial mutants, but financial misers. I always, but I think the majority of Americans are way behind. That's why I always say, hey, there's a scale out there. There's the super conservative, go way hyper save, you know, type of people. Then there's the die with zero, they go read this book too early. When I love die with zero, if you're a miser mentality and you need to get a little nudge. But if you're looking for the better way to do money, I still think, if you think about Millionaire Mission, we give you right dead in the middle. Let you maximize the memories, but also build your army of dollars so you don't have to work so hard in the future.

• 6:23Speaker 07

  We bought a house that we can't afford and we have 44 days to make our first mortgage payment on August 1st. Let's just let that sink in for a little bit because I'm stressing. Not only that, but we have to paint our house before we move in. There's hardwood flooring all over the house, which needs to be refinished, which we have also never done. There's just a lot that's gonna be happening within the next couple of weeks that we have no idea how we're gonna make it through. We also have three girls that are four and under and I'm also pregnant with our four.

• 6:51Brian Preston?

  Goodness gracious.

• 6:52Speaker 07

  Pretty busy. This is literally our dream house and there's no way I'm letting this house go. We gotta make this my full-time job.

• 6:59Speaker 03

  All right. Um, first, I feel for millennials and Gen Z'ers out there trying to get on the homeownership side of things because it's hard. It is hard out there to get on the homeownership side. But she said something really interesting. She was like, hey, we're buying this house. We're gonna get in here and we have to paint before we come in. Do you? I don't know. Do you? We have to refinish the hardwoods. Well, if, if that's a cost that I would not, had not planned on, I don't know how I'm gonna do that. Perhaps that would have changed my decision to buy that particular home. Or I figure out if I can't even make the mortgage payment, I'm not, probably not gonna start immediately working on renovations, building up the house. There's a really good indication there that I've bought more house than I can afford. If the mortgage payment is giving me anxiety before I even start the renovations that are

• 7:42Speaker 03

  necessary for me and my family of six, soon to be seven, to move in.

• 7:48Brian Preston?

  Successful people sometimes have a habit of stacking too many things at once. And you just heard her, they have how many kids?

• 7:57Speaker 03

  I think four with one on the way, right?

• 7:59Brian Preston?

  Is that even mathematically possible? You hear about, was it Irish twins or whatever? I mean, so you do the math on that, you're like, wow, that's, that's a lot in a little.

• 8:07Speaker 03

  Maybe some of them are just regular twins. That could be the case.

• 8:09Brian Preston?

  Maybe, that could be the case. But it, it seems like a lot within a little bit of time. And then she did give a clue when she was talking about, hey, we have to make our first mortgage payment. It makes me wonder, are they doing too much too fast? I remember my very first home that we purchased, we actually had empty rooms for literally, we built out rooms over years. So I mean, we lived in this house for like seven years and it wasn't until like year four that some of those rooms actually ended up getting the paint or the furniture that they needed. And I think that's a healthy thing. You're supposed to spread out the good decisions, let them absorb and process. I even know every time I've made huge financial decisions, whether it's buying a new house, taking a mortgage, or even when we've done commercial real estate and other things,

• 8:51Brian Preston?

  I have this weird, icky feeling, this is the worst, as the debt and the size of the transaction kind of works its way through me emotionally. So to do that, plus have a new baby coming in the house, plus feel like you have to go do it all these DIY, I worry just burnout is a real risk, plus putting too much stress. And look, I'm just gonna go ahead and say it. That many chemicals while you're also in the pregnancy phase? I don't know that that was, that's what I would wanna do. But um, let's, let's kind of be, let's slow it down. You're going to live a long, fruitful life. So let's, let's kind of get those, spread out those good things so we can enjoy it over a period of time versus doing it all at once.

• 9:35Speaker 00

  The action's on the court and as the official beer sponsor of the NBA, Michelob Ultra is getting fans closer to the game with a chance to win courtside seats, merch and more. Visit michelobultra.com/courtside to enter. Michelob Ultra Courtside 26 to 27. No purchase necessary. Open to US residents 21+. Begins on October 1st, 2026 and ends on June 30th, 2027. Multiple entry periods. See official rules at michelobultra.com/courtside for free entry, entry deadlines, prizes and details.

• 10:02Speaker 01

  Blowing ad budget on metrics that look great till the CFO sees them? That's bull spend and marketers are calling it out in. Dashboard confessions.

• 10:12Speaker 00

  I remember telling my boss, it'll be good for the brand when leads were slow. Yeah, it, it wasn't.

• 10:19Speaker 01

  Cut the bull spend. LinkedIn lets you target by company, job title and more. Advertise on LinkedIn. Spend $250 on your first campaign and get a $250 credit. Go to LinkedIn.com/campaign. Terms and conditions apply.

• 10:32Speaker 07

  I'm looking for a simple, traditional house. It's always been my dream to have a Two story house with five bedrooms. I'd also love for it to have lots of windows, tons of natural light and a nice yard. If it has a pool, even better. And if it has a lake view, that would be perfect. The only thing is I need a hundred percent financing because I don't have any money for a down payment. Right now I'm making about $2,000 a month, depending on the month.

• 10:58Brian Preston?

  This is a good use of a.

• 10:59Speaker 07

  Want the house to be more than a hundred and $50,000 either. So yeah, let me know what you can find for me.

• 11:05Speaker 03

  It's so true. I have this conversation all the time with people that have very unrealistic expectations around what money can and cannot do for you. Obviously with what she's looking for, but the price range and budget that she should be looking for. Those two are misaligned. I think that's called cognitive dissonance. When there are two things that exist that are opposite to one another that are both truths. Look who knows so much. I think she has to go back to the drawing board to figure out, okay, what actually makes sense in my situation.

• 11:38Brian Preston?

  Yeah, let's hit a big three, you know, come up with the three big things, you know, for a lot of people, especially if you have children. It's gonna be like school system. It's gonna be number of bedrooms, you know, and things like that. And then you can always put the whipped cream and cherry on top later by repainting rooms, making them nicer. And then of course financially, when it's feasible, you can upgrade. I mean, that's, that's, that's kind of the way things work is we're just trying to. A lot of times that's why we give three to 5% grace on the first house purchase is we're trying to get you just on the homeownership train. But I mean, that was great in real time. You know, showing how the type of house and then watching it come back down to, you know, essentially launch

• 12:22Brian Preston?

  all the way down to where it's re-entered into the earth. That would have burned up on reentry, just based upon some of the goals that she had. All right, Bo, before we move on, let's do a shameless plug for Abound Wealth.

• 12:35Speaker 03

  I have no shame because I'm mighty proud of the work that we get to do for our clients every single day.

• 12:42Brian Preston?

  Here at Abound Wealth, we're fee only. We're fiduciary advisors. That means we're legally required to work in your best interests. And we love helping our clients optimize their army of dollar bills so they can live their best life.

• 12:54Speaker 03

  And before you leave a mean comment about us self-promoting, keep in mind, Abound Wealth helps us keep this entire thing going. Creating free content, growing the team and changing the financial landscape.

• 13:06Brian Preston?

  We're honored you're watching and listening, and we hope you use this content to help you learn, apply and grow your army of dollar bills. And when your financial life gets complicated, it'll happen. We'd love for you to come back to where it all started. That's the Money Guy Show and Abound Wealth.

• 13:22Speaker 03

  If you're ready to take the relationship to the next level, check us out at aboundwealth.com or click the link below.

• 13:28Speaker 04

  This is how much money I retired on in 2021. That is the amount of money I had left a year and a half later.

• 13:35Brian Preston?

  2022 was rough.

• 13:36Speaker 04

  Dude, what are you doing? What are you spending your money on? It wasn't me. It was a bad market. Guys, a year and a half after that, that is what I had. It still wasn't back to what I retired on. Another year after that, it took me to get back to above where I was when I retired on. Three and a half, four years. What is this called? Sequence of returns risk. What did I do to get back? Nothing. Nothing. I left my investments how they were. Eventually it will come back, guys. Just do not panic in a bad market if you are a new retiree.

• 14:08Speaker 03

  This is why your withdrawal rate in the early years of retirement matters so much. You want to pick a lifestyle that is sustainable over the long term. It's why the 4% or 4.7% withdrawal rate gets so much attention. Cause even if you do a 4% or 4.7% withdrawal rate at the beginning of retirement and you see a bear market, you see the downturn, you see the 2022, you see the 2008. Your portfolio can weather that. But if you go into retirement thinking, oh, you know what? I can pull out 8%, 9%, 10% and all of a sudden now you have one of those bad sequences of returns. We have a bear market in the first couple of years. It becomes devastating. And instead of taking four years, three years to get back to making money, it could take you six, seven, eight years to get back to where you were.

• 14:51Brian Preston?

  What John Dutton didn't tell us there was how much he was pulling out. He says, I'm retired, but based upon those numbers he shared, I don't think he was pulling money out. I think he had outside income sources or something, or he was pulling out.

• 15:02Speaker 03

  He had a sustainable withdrawal rate.

• 15:04Brian Preston?

  Meniscule. I, I don't know, because of the way he talked about the sequence of the, the account balances. That's more of what I would have to do the math. We don't do public math because we see this for the first time with you guys. But it looked like it was a very minimal pullout ratio.

• 15:20Speaker 04

  Spend money recklessly because it's easier to make more money than to pinch pennies. Like dude, if you only have $20,000, blow it on your dream car, blow it on your dream vacation, then you have a taste. Then you have a taste of what it's like to spend money. It's like a shark. Once you get a taste of that blood, you need more. You're gonna work 10 times harder to get those things. It's the highest form of manifestation.

• 15:43Brian Preston?

  Manifestation. It is a small group of people that have life hacked. That they are entertaining enough that they can go out there and act a fool in some aspects of their life and get rewarded for it. And then just assume everybody can do this. I wish I was, I had a friend like this. Have you seen, I mean, a bit like real world entourage.

• 16:04Speaker 03

  That's right.

• 16:04Brian Preston?

  You know, if you have a friend that can go out there and get clicks by acting just crazy in life. But for the majority of people, act accordingly. This is not going to work. This is actually going to be a recipe for disaster.

• 16:15Speaker 03

  Togi, in our opinion, there is a better way to do money. I'm going to argue there's an easier way to do money. Rather than having to hit home runs every single time you step up to the plate. If you can just hit a few singles and start putting those together, that will give you a batting average that can get you into the hall of fame. Instead of putting in the poor house.

• 16:32Speaker 07

  I'm doing Dave Ramsey's worst nightmare and I am planning a vacation while I am $23,000 in debt. Cause life is for living. I think life is a lot more fun when you have something to look forward to. Also, I'm not going to have PTO forever. I have literally over a hundred hours of PTO that I have been banking and saving up. I deserve a vacation and I want to use that vacation to go explore, to go and make memories. So I'm currently planning a trip to the Pacific Northwest and I'm stoked about it. A lot of people might think that's irresponsible. Like, oh, you should really be putting that money towards debt and like, yeah. I could be putting that money towards debt. You're right. I should maybe put that money towards debt. The reality is I haven't taken a vacation in over a year and my job ends in a year. And I think this will be the last vacation I take before my job ends.

• 17:15Speaker 03

  What happens when your job ends? What happens when your job ends? Okay, okay. Um, we want you to go on vacations. We want you to make memories. We want you to have experiences. We want you to be able to enjoy life. Cause you are right. Life is worth the living, but that does not mean that life is worth the living with an expensive price tag. There are plenty of ways that you can still create memories, experiences, do things that do not cost money, where you could still be putting money towards that debt, getting out of that $23,000 debt and also preparing for the time when your job ends. What does that mean? When you're, if I was in $23,000 of debt and I knew my job was ending, I would be terrified not knowing what the next steps are. I, I desperately need to know that she has a plan in mind.

• 17:57Brian Preston?

  She needs a food sighting in her life and I've got, I've got it right here. Here's the, the solution. Because just walking through, she's currently got a job. So hopefully she's got her highest deductible covered. Hopefully she's getting the employer match. I have no idea what the interest rate is on that debt that she was saying.

• 18:12Speaker 03

  It's 23,000. It ain't low. It ain't low.

• 18:15Brian Preston?

  Be low. And then, then also to your point, you get to step four, because one and four are your emergency reserves. This is also going to get you past what happens when you lose this job. Since it sounds like she's just a contractor and she knows she has a term certain on her career. You deserve vacation. Okay. I'm willing to go a little bit with you and say, look, hard work. You know what can re-energize you? Take it a little time off, but you gotta bedazzle your basic life and do stuff that doesn't cost a lot of money. And this might be something where, hey, do we have a sleeping bag and a tent in the back? Or is this something where we're just going and staying with family and friends? That's just a recipe. If you're running up more debt and you feel like you're entitled to this, all you're doing is you're creating this, the, the

• 19:00Brian Preston?

  secret recipe that is just going to explode in your faces. Because you know, it's kind of like when you see people put the Mentos and the Coke and then they're shocked. She's building up a Coke Mentos bomb and doesn't even realize it because she's, she's thinking that she can do this on her own time and it's all gonna be okay. Act accordingly when you have desperate times with just a little bit of runway. You can save yourself from this bad, bad moment in time.

• 19:26Speaker 03

  This episode is not sponsored by Coke or Mentos.

• 19:29Brian Preston?

  And we don't, by the way, don't do that. Don't do it. Put, put a disclaimer somewhere. So I haven't done, I've just watched YouTube videos. I feel like that, that we'll save that for the, the jackass people. Isn't that, isn't that the name of their show?

• 19:42Speaker 03

  Now we gotta put explicit on this show.

• 19:44Brian Preston?

  No, or, or beat me, but isn't, isn't that what, what the guy from Dukes of Hazzard was?

• 19:48Speaker 03

  Yeah, yeah, yeah. Johnny Knoxville. Yep.

• 19:50Brian Preston?

  That's it. Johnny Knoxville.

• 19:51Speaker 03

  What were the frugal?

• 19:53Brian Preston?

  JC and some big guy.

• 19:56Speaker 03

  What were the frugal, unsexy habits that allowed you to have money to invest? Back then, Publix would sell cereal two for one. So I would go to Publix and I'd buy 14 boxes of cereal every Sunday. I'd eat that all week and that's what I had.

• 20:09Brian Preston?

  Those muscles aren't powered by cereal.

• 20:11Speaker 03

  We got the $8 paper blinds. We put them on the windows and that was there until I sold the house. My wife, not a huge fan, but man, were we saving money. What was the cereal of choice? Well, so if I was trying to eat healthy, it was Honey Nut Bunches of Oats, because that's healthy cereal. But if I wanted something fun, I'd go Lucky Charms and I'd bounce back and forth with windows. And then Cinnamon Toast Crunch, that was like the weekend deal.

• 20:32Brian Preston?

  And were you like pouring whey milk in there? I mean, cause they get the, cause they get those muscles. There's no way just all carbs all the time is, is fueling that machine.

• 20:40Speaker 03

  It's amazing what youth in your twenties can do, right? That's better than any sort of supplement out there. Uh.

• 20:45Speaker 04

  You sure about that?

• 20:46Speaker 03

  Obviously, look, that was, I was trying to be incredibly frugal early on, create margin, be, begin to save. That's not necessarily the advice that I would give you. I don't think that's super healthy. I don't think that's something that you should do. But in my world, that was a way that we were able to create margin, begin saving. And then the way that we bedazzled our basic life is we would go cinnamon toast crunch on the weekends.

• 21:07Brian Preston?

  How did you do a whole interview without breathing? Cause y'all put that video back, that picture back up.

• 21:11Speaker 03

  What, what do you mean I wasn't breathing? I breathed. I wasn't taking.

• 21:15Brian Preston?

  I mean, but look at, I mean, you earned attention there. I mean, I'm surprised we're not watching those pecs pop a little bit. I mean, you look like we are, we are in full on, make sure that we get all the right angles here. And by the way, JC's in great shape too.

• 21:28Speaker 03

  I know. Yeah. I don't know what to tell you. Built by Cinnamon Toast Crunch.

• 21:34Brian Preston?

  I do love, by the way, you're not offending Bo. I don't even think it's meant to be offended. When, when all through JC's comment, I was like, Bo's a unit. And I'm like, I, I, I need to probably go look that up on Urban Dictionary. Does that mean like soldier or somebody who's like crushing it?

• 21:50Speaker 03

  It means someone who's just.

• 21:52Speaker 07

  Hey, Bo's here. On your next track, listen for the decisions. Distortion on the bass, the vocal right up front. Every choice deliberate. With Bo's, you'll hear it all. Your music deserves Bo's.

• 22:07Speaker 03

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• 22:39Brian Preston?

  I'm telling you, the, the Lord is unfair and the fact that, you know, the salt shaker of talents, Bo got the intelligence, the good looks. It's pretty awesome.

• 22:46Speaker 03

  There are outstanding things out there in the net. Some of the advice is good. Some of the advice is bad. And some of the advice has not aged well, like buying 14 boxes of cereal and living off of that early in your twenties. But if you can figure out ways in your own world to do money a little bit different, to exercise the three ingredients of wealth creation. Have some discipline, create some margin, and then apply that over a long timeline. Building wealth is not all that complicated. It's very simple, even though it's not that easy.

• 23:17Brian Preston?

  I think you can tell we love helping all of you guys not only be entertained, but hopefully live your best life by learning how to maximize every dollar that comes into your army of dollar bills. I'm your host, Brian, joined by Mr. Bo, Money Guy team, out.