Extreme Personal Finance Show

This is an automated translation from the blogpost: Breaking the Financial Glass Ceiling: Why More Women Need to Invest https://heavymetal.money/womeninvesting/ In this powerful blogcast episode, we’re smashing through outdated money myths and taking a sledgehammer to the financial glass ceiling. It’s time to talk about why more women need to invest —not someday, not when they "feel ready,&qu...

This week on  The Extreme Personal Finance Show , I sit down with my longtime friend and fellow entrepreneur,  Jessica McCarthy , who’s been through the fire — and lived to tell the tale. After a life-altering separation, Jess found herself solo-parenting five kids, rebuilding from scratch, and navigating the brutal combo of emotional overload and financial stress. No handouts. No roadmap. Just gr...

Pay Off Your Mortgage Early? The Truth About Going Mortgage-Free This is an automated translation from the blogpost: Should You Pay Off Your Mortgage? Exploring Some Benefits and Psychological Impacts https://heavymetal.money/payoffyourmortgage/ Should you crush your mortgage and scream “Debt-Free!” into the financial abyss—or ride the low-interest wave and invest the difference? In this brutally...

The Rule of 72. Doubling Your Money's Growth This is an automated translation from the blogpost: Undestanding the Rule of 72 https://heavymetal.money/ruleof72/ In this blogcast episode, we’re slicing through the BS with a killer formula that tells you exactly how long it takes to double your money—just 72 ÷ interest rate. Whether you’re rocking a 3% savings stash (around 24 years to double) o...

This is an automated translation from the blogpost: What are Trump Accounts and How Do They Work https://heavymetal.money/trumpaccounts/ In this blogcast episode, we break down the explosive new government program known as the  Trump Accounts  — officially part of the  Big Beautiful Bill  passed in 2025. These accounts drop  $1,000 of free government cash  into a new investment fund for every chil...

In this episode of The Extreme Personal Finance Show , delivered live from a Red Robin on International French Fry Day — because personal finance should be tasty and rebellious. (Thank you for tolerating the poor sound quality) Chris and friend April takes a look at  the so-called Trump Accounts , part of the recently passed Big Beautiful Bill . What if your newborn could receive $1,000 from the g...

In this solo episode of the Extreme Personal Finance Show, Chris discusses the controversy surrounding TikTok, particularly its impact on small businesses and the security measures in place to protect user data. He highlights Project Texas, a partnership with Oracle aimed at securing US user data, and delves into Apple's security protocols that safeguard user information. The conversation emp...

In this episode of the Extreme Personal Finance Show, we dive deep with Jillian Johnsrud—author, speaker, and expert on the concept of "retiring often." Jillian has revolutionized retirement, taking over a dozen mini-retirements before turning 40, allowing her to travel, adopt children, and build financial freedom through real estate! Jillian shares powerful strategies from her upcoming...

In this no-BS, episode of The Extreme Personal Finance Show , Chris sits down with librarian, musician, and metalhead financial rebel Jessie May—author of Money Hacks for Metalheads and Old Millennials . From DIY gig life to decoding Roth IRAs and the broken promises of the American Dream, Jessie shreds through the noise to deliver practical, empowering money advice for those who feel like the sys...

Join us in this powerful episode of The Extreme Personal Finance Show as we sit down with Brian Muller, founder of Momentous Wealth Advisors, musician, certified life coach, and author of the upcoming book Momentous Decisions: 7 Steps to Better Health, More Wealth, and a Richer Life . Brian shares his remarkable journey—from his early days as a young financial advisor to navigating profound person...

On this episode of  The Extreme Personal Finance Show , we sit down with multi-disciplinary artist, program director, creative powerhouse, and my sister Jes Reyes. From her first $500 artist check to managing multiple income streams and setting up a SEP IRA, Jes shares her journey of transforming anxiety about taxes into empowerment through organization and education. 🎨 Learn how she: Transitione...

In this episode of The Extreme Personal Finance Show , we go full beast mode with Dr. Dave Powers—a Marine vet, author, and adventurer who's building a real-life 100 Acre Farm inspired by Winnie the Pooh. How Dr. Dave creates multiple streams of income—from online publishing to crypto yield farming Why he calls it “passive-adjacent” income (and how YOU can build it too) The vision behind his...

In this no-holds-barred episode of  The Extreme Personal Finance Show , Chris sits down once again with fan-favorite guest April to dissect the question: Is renting actually the smarter move in 2025? Homeownership rates have dipped to 65.1%, the lowest in over 5 years, and in 50 of the largest U.S. metros, renting is more affordable than buying. With mortgage payments averaging  38% higher than re...

How Jess McCarthy Boosted Her Credit Score by 200+ Points in One Year — Without a Credit Repair Company In this episode of  The Extreme Personal Finance Show , Chris sits down with Jess McCarthy — Minnesota realtor, entrepreneur, and working mother of 5 — who shares how she raised her credit score by over 200 points in just over a year. From rock bottom at 557 to a stellar 760, Jess walks us throu...

Are you stuck in the middle-class trap? Feeling financially okay on paper, yet emotionally and psychologically stuck? In this candid episode of The Extreme Personal Finance Show , host Chris Luger welcomes Justin Nacpil, a technology professional, fellow financial podcaster, and a passionate advocate for intentional living. Together, they dive deep into the realities, anxieties, and strategies for...

In this energetic episode of  The Extreme Personal Finance Show , Chris and Kevin dive deep into how to ignite your purpose and passions, especially after early retirement. They challenge conventional wisdom around purpose, suggesting it's not something that simply falls into your lap—it can be actively created through curiosity and intentional living. Purpose vs. Passion vs. Curiosity : Lear...

Real estate investing gets hyped a lot—but is it the right gig for you? In this episode, I'm joined by Nick Sehy and we dive into the raw truth behind owning rental property, flipping homes, and becoming a so-called “passive income” landlord. Spoiler alert: it ain’t always passive. But we don’t just talk doom and gloom—we’ll also break down who can rock the real estate game, what tools you ne...

In this episode of the Extreme Personal Finance Show, I’m joined by guest and my good friend Kevin about the importance of community in personal finance and life. Kevin is a retired, and who achieved financial independence at age 43! The conversation explores how communities can provide support, motivation, and purpose, especially during major life transitions like retirement or leaving the workfo...

It’s an extra extreme episode of the show today!  We are honored to welcome our guest today is C.J. Ortiz. He is known as The Metal Motivator, He has over 30 Years experience as a speaker, writer, and content creator who blends the raw energy of heavy metal with hardcore motivation. Since 2009, he has inspired a worldwide audience with his no-nonsense approach to mindset, discipline, and personal...

Kids say the darnedest things…about money. What might become a regular segment on the show in which we find a kid and talk to them about money. I had talked to my friend, and we thought maybe it might be fun to talk to her son about money. We could ask fun or some basic questions and see what he knows about personal finance. This was great fun, and I really enjoyed talking with this insightful 12-...

Jim Carrey once said: "If you're not willing to downgrade your lifestyle for a year to have a lifestyle you want forever, you care too much what other people think." In this solo episode I wanted to talk about to live the life you want forever, you may need to cut out discretionary spending, and downgrade your life for a short period of time. But then you can reap the rewards later...

HINE Daniel L., Age 44, of Stillwater, MN Passed away on February 26, 2025,  Dan is not only a fellow Stacker and member of the personal finance community offering guidance and advice to anyone that asked, he is a trombonist with the Marine Corps., the Army, and the 34th Infantry Division Band in the Minnesota National Guard. He is a lifelong science fiction fan, outdoor enthusiast, and as we know...

As you may have heard, money can be a cause of fights or arguments among couples. Money can be a cause of conflict or be real deal-breaker in relationships. But, it doesn’t have to be! When you and your partner are on the same page financially, it makes your relationship awesome, stronger and sets the groundwork for a successful, rewarding and fun future. Whether you’re planning for big life chang...

Waking up to the doom and gloom of the headlines and news that the US Economy is in a downward spiral reminds me that we should review some of the principles of why we need to stay focused, avoid our gut reactions and keep on keeping on. This episode we look at our natural reaction to act upon this. It’s an emotional thing to want to move our money out of these funds that may have declined. Howeve...

When shopping for things we often talk about the cost of something… but really what we are doing is comparing the Price.   It’s interesting, the price is what we pay for a good or service, while the cost can be the actual or perceived value over time, of the lifetime of the product or service we are exchanging for money. In this episode we look at some examples and things to think about when buyin...