BiggerPockets Money Podcast
Intermediate to advanced personal finance strategies for people serious about the FIRE (financial independence retire early) movement—not just dreaming about it. Tune in on Tuesdays and Fridays for new BiggerPockets Money episodes with your hosts, Mindy Jensen and Scott Trench! Or visit BiggerPocketsMoney.com with additional resources.
Episodes
January 6, 2026 • 49 mins
What if you're doing FIRE in the wrong order? Most people chasing financial independence are following steps that actually slow them down—and it could be costing you years of freedom. In this episode, Mindy Jensen and Scott Trench break down the exact step by step order for achieving FIRE as fast as possible.
Whether you're just starting with your first emergency fund or you're already maxing out retirement accounts and wondering...
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January 2, 2026 • 31 mins
AI is revolutionizing how we build wealth and achieve financial independence. In this episode, Mindy Jensen and Scott Trench break down exactly how to use AI tools to accelerate your path to FI—from automating budgets and analyzing investments to generating income streams and optimizing your financial strategy. Discover which AI tools actually work for personal finance, how AI is changing job markets and earning potential, and prac...
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December 30, 2025 • 42 mins
In this episode of the BiggerPockets Money Podcast with Mindy Jensen and Scott Trench, Scott builds four different investment portfolios using real money, each account starting with $10,000 and employing different strategies. Scott invests in an index fund, a 60/40 stock-bond portfolio, a risk parity portfolio, and a unique actively managed thesis. Follow along as they discuss the rationale, mechanics, and expected outcomes of thes...
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December 26, 2025 • 48 mins
Should you turn your primary home into a rental property or sell it when you move? It's one of the biggest financial decisions homeowners face, and in this episode, Mindy Jensen and Scott Trench are helping Alyssa and John figure out the answer.
This couple is relocating and facing a dilemma: they have a home with a low mortgage rate that could generate rental income, but they're also craving simplicity and wondering if selling wo...
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December 23, 2025 • 36 mins
Episode #704
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December 19, 2025 • 24 mins
Ready to take control of your finances in 2026? Mindy Jensen and Scott Trench are breaking down one of the most powerful tools for financial success: the personal financial statement. Think of it as your complete financial snapshot—tracking your net worth, cash flow, assets, and liabilities all in one place. The best part? They're giving you a free comprehensive spreadsheet to make it ridiculously easy.
This Episode Covers:
Wh...
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December 16, 2025 • 68 mins
Sam and Carolyn reached financial independence in their thirties through frugality, real estate investing, and building side hustles that generated $10,000 per month. Then they made a bold move—quitting their jobs and briefly relocating to Canada.
This Episode Covers:
How Sam and Carolyn house-hacked their way to a multi-property real estate portfolio
The unconventional side hustles that generated $10K monthly in additi...
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December 12, 2025 • 53 mins
Join Mindy Jensen and Scott Trench for a powerful conversation with Regina Moore, who achieved millionaire status before 35 through frugality and her career as a pharmacist. But when her young son was diagnosed with cancer, everything changed.
In this deeply personal episode, Regina opens up about how a healthcare crisis tested her Lean FIRE plan in ways she never anticipated. And how financial independence—despite not being a per...
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December 9, 2025 • 49 mins
Building a $2.5 million portfolio is hard. Spending it without running out? That's even harder.
Welcome to the 700th episode of the BiggerPockets Money Podcast! To mark this milestone, hosts Mindy Jensen and Scott Trench are tackling one of the most critical—and most overlooked—aspects of financial independence: decumulation. Most people obsess over building wealth but stumble when it's time to actually spend it. The withdrawal st...
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December 5, 2025 • 70 mins
Are you using the wrong retirement withdrawal strategy? Sequential drawdown—draining one account before touching the next—is the most common approach to early retirement, but it could be costing you tens of thousands in unnecessary taxes.
In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Enrolled Agent Mark to break down tax-efficient withdrawal strategies that maximize your reti...
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December 2, 2025 • 36 mins
What would you do differently if you could start your FIRE journey over today?
Back in 2013, Scott was fresh out of college house hacking his way to financial independence, while Mindy and her husband were deep into their FIRE journey documenting it all on their blog. Fast forward to 2025—both are financially independent, but if they were starting from scratch today, they'd make some serious changes.
Welcome to the BiggerPockets ...
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November 28, 2025 • 49 mins
What happens after you achieve financial independence? Former Facebook employee turned comedian Paul Ollinger discovered the answer wasn't what he expected—and it completely changed how he thinks about money, work, and happiness.
This Episode Covers:
Why financial autonomy beats wealth accumulation—and what that actually means for your daily life
The psychological challenges of early retirement nobody talks about (and w...
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November 25, 2025 • 53 mins
Will 2026 healthcare costs destroy your FIRE plan? Enhanced ACA tax credits expire in 2026—meaning health insurance premiums could DOUBLE or TRIPLE overnight. This healthcare subsidy cliff threatens millions who depend on affordable marketplace coverage.
In this episode of the BiggerPockets Money podcast, Mindy Jensen and Scott Trench interview Matt McGough from KFF to break down the 2026 healthcare crisis and what you can do NOW ...
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November 21, 2025 • 50 mins
Think you need a six-figure salary to retire early? Think again. Middle school teacher Andrew Luman is achieving financial independence and retiring at 50—all on a teacher's salary. In this episode of the BiggerPockets Money podcast, hosts Mindy Jensen and Scott Trench unpack Andrew's complete FIRE strategy, proving that early retirement isn't reserved for high earners.
In this episode, you'll learn:
How Andrew discovered the...
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November 18, 2025 • 20 mins
Time's running out on 2025, and there are critical financial moves you need to make before December 31st. In this episode of the BiggerPockets Money podcast, Mindy and Scott walk you through the essential year-end tasks that could save you thousands of dollars and keep your FIRE goals on track. These aren't just suggestions—they're time-sensitive opportunities that literally disappear when the calendar flips to January 1st.
Whethe...
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November 14, 2025 • 30 mins
Pay off your mortgage or invest? If you're pursuing FIRE, you've wrestled with this question. A paid-off house means thousands extra in your pocket each month and a lower FIRE number. But investing that same money could build significantly more wealth and get you to FIRE with a bigger nest egg. So which strategy wins?
To help you decide, Scott built a brand-new mortgage calculator that accounts for interest rates, investment retur...
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November 11, 2025 • 45 mins
Most people think index funds are the only path to financial independence—and they'll get you there in 15-20 years. But what if you could get there faster?
In this episode, Mindy Jensen and Scott Trench team up with John Bowens from Equity Trust to reveal advanced portfolio strategies that can accelerate your FIRE timeline.
This episode covers:
Strategic allocation across your Roth IRA, HSA, and 401(k) to maximize tax advant...
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November 7, 2025 • 50 mins
Paul has a $1.6 million net worth at 40 years old—impressive by any standard—but he's stuck wondering: Can I retire in the next 5-6 years?
In this episode of BiggerPockets Money, Paul shares his journey from debt payoff to building substantial rental income during COVID-19. Now he's sitting on significant equity, strong cash flow, and a critical question: What's the fastest route to FIRE?
Hosts Mindy Jensen and Scott Trench dive ...
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November 4, 2025 • 38 mins
You're doing everything right—buying a house, maxing out your 401(k), investing in real estate—but what if these "smart" money moves are actually trapping you in your job? It's the paradox plaguing the FIRE community: you could be a millionaire on paper but can't afford to retire because all your wealth is locked up.
Welcome to the BiggerPockets Money podcast! In this episode learn what the middle class “trap” is, why it happens, ...
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October 31, 2025 • 54 mins
One rental property changed everything. Deandra was drowning—working multiple jobs, crushed by student debt, teaching full-time with no end in sight. Then she bought her first property with just $4,000, and within four years, she walked away from teaching forever.
Today, Deandra reveals the exact strategy she used to go from broke teacher to financially independent real estate investor. You'll hear how she leveraged house hacking ...
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