Channel Title: Afford Anything Podcast Channel Description: You can afford anything, but not everything. We make daily decisions about how to spend money, time, energy, focus and attention – and ultimately, our life. Every decision is a trade-off against another choice. But how deeply do we contemplate these choices? Are we settling for the default mode? Or are we ruthlessly optimizing around a deliberate life? Host Paula Pant interviews a diverse array of entrepreneurs, early retirees, millionaires, investors, artists, adventurers, scientists, psychologists, productivity experts, world travelers and regular people, exploring the tough work of living a truly excellent life. Want to learn more? Download our free book, Escape, at http://affordanything.com/escape <video> The Money Truth Nobody Talks About Until It’s Too Late | Hospice Doctor Reveals All Description: At age 7, Dr. Jordan Grumet lost his father. This early loss shaped his career path — he became a physician, following in his dad's footsteps. But by 2010, feeling burned out from internal medicine, he took an unexpected turn: he became a hospice doctor. In this episode, Dr. Grumet joins us to discuss what he's learned from thousands of conversations with people in their final days. These discussions have revealed a pattern: people don't typically regret their bank balance on their deathbed. Instead, they regret not pursuing the activities and dreams that truly lit them up. Dr. Grumet explains the difference between what he calls "Big P Purpose" versus "little p purpose." Big P Purpose involves major life goals like becoming president or curing cancer. Little p purpose, by contrast, focuses on the process — finding activities you enjoy regardless of the outcome. He shares the story of a young professional who loved competitive cycling. While working a demanding nonprofit job, this person started fixing bikes at races on weekends. This side project combined his skills and passion, eventually creating enough income for him to reduce his full-time hours. Dr. Grumet introduces three key concepts for building more purpose into your life: - Joy of Addition: Add activities that excite you, even if just for 15 minutes daily - Art of Subtraction: Remove activities that drain you - Substitution: When you can't add or subtract, swap one activity for another He emphasizes that money isn't the only tool for creating change. Youth, energy, relationships, skills and community can be equally valuable resources. A 22-year-old might lack funds but has the advantage of time and stamina that a 51-year-old doesn't possess. Dr. Grumet references the Harvard Adult Developmental Health Study, which found that strong relationships — not achievements or money — most strongly correlate with happiness. He suggests that pursuing activities you enjoy naturally leads to building these vital connections. The episode closes with a powerful story about his grandfather, who loved math and became an accountant in the 1950s. This passion influenced Dr. Grumet's mother to become a CPA, which in turn helped young Jordan develop confidence in math, despite his reading challenges. Years later, this mathematical thinking helped him diagnose a rabbi's rare condition — proving how small actions can create ripple effects across generations. Timestamps: Note: Timestamps will vary on individual listening devices based on dynamic advertising run times. The provided timestamps are approximate and may be several minutes off due to changing ad lengths. 0:00 Introduction to Dr. Grumet, hospice doctor discussing end-of-life insights 1:06 Transition from medicine to hospice as side hustle 2:21 Hospice shifts from medical to emotional care 4:12 Palliative care vs hospice care explained 5:05 Age range of hospice patients 6:55 Life priorities and deathbed regrets 13:46 Harvard Adult Developmental Health Study on happiness 20:00 Purpose, happiness and flow states 26:35 Joy of Addition and Art of Subtraction explained 33:30 Using youth when lacking money 41:18 Calendar evaluation strategies 48:45 Managing family disappointment 56:08 Regrets as purpose anchors 1:03:26 Common end-of-life regrets 1:09:06 Small actions, big legacy _______________ Subscribe via Apple Podcasts: https://affordanything.com/applepodcasts Full show notes for the episode: https://affordanything.com/episode572 Get our show notes in your inbox: https://affordanything.com/shownotes Follow us! IG: https://instagram.com/paulapant Twitter: https://twitter.com/affordanything FB: https://facebook.com/affordanything Community: https://affordanything.com/community </video> <video> My 5% Crypto Investment Became 17% Description: An anonymous caller’s crypto investments have recently skyrocketed to 17 percent of her investment portfolio. Given the volatility of this asset, should she rebalance it or go all in? Allison feels antsy holding $1 million in cash with falling interest rates on the horizon. How does she optimize this money while keeping it liquid enough to buy a house on an uncertain timeline? Jocelyn wants to buy a house in three years but she’s reluctant to keep her sizable down payment in cash. What if she splits the difference and invests half the money instead? Former financial planner Joe Saul-Sehy and I tackle these three questions in today’s episode. Enjoy! _______ Anonymous asks (at 03:16 minutes): I bought two cryptocurrencies a few years ago intending to keep them at five percent of my total portfolio of equities, index funds, and bonds. Recently, the value of my crypto has skyrocketed, and it now makes up 17 percent of my portfolio. I’m torn. Should I rebalance back to my original allocation or hold on and see where it goes? I view cryptocurrency as a highly risky and speculative asset, but I also see its potential for wealth-building. Could you share a framework or guidance for managing this asset class especially given its volatility? Allison asks (at 29:15 minutes): Over the last year, I sold multiple rental properties and netted $1 million. It’s now in high-yield savings accounts earning around 4 percent. But with rates likely to drop, is there a better way to deploy this money while keeping it fairly liquid? I planned to use this cash to buy a new primary home in New England. But after a year of looking, the options have been limited, and I’m hesitant to spend that much on a house I’m not in love with. A modest two- to three-bedroom can cost $800,000 to $1 million here. I like the idea of being mortgage-free, but high property taxes in my desired area would still leave me with a sizable monthly expense, which adds to my hesitation. For now, I’m renting a two-bedroom apartment for $3,700. Here’s some financial background: I’m 48 years old. I have $2.5 million in investments ($2 million in a taxable account and $500,000 in retirement accounts). I left my high-income physician job in early 2024 due to burnout and now run a small cash-only practice that makes enough to cover my living expenses. I plan to retire fully in the next five years. I want to keep this $1 million accessible in case I find the right home, but I feel it’s not optimized sitting in savings accounts. Would it be too risky to invest this money in a two- or four-fund strategy, knowing my timeline is uncertain? Jocelyn asks (at 54:00 minutes): What’s the best way to manage the money I plan to use for a house upgrade in three years? I’ve saved $250,000 for a down payment on a new house. Our current home is worth $700,000 and locked into a low COVID-era interest rate. I’d like to keep it as a rental property, but I’m open to selling it if it makes more financial sense. The home I’d like to buy costs $1.2 million. I prefer to put 20 percent down, but I’m flexible and could put down less if necessary. With that in mind, I’m considering the following strategy: Keep $100,000 in a high-yield savings account to cover the minimum down payment. Invest the remaining $150,000 in stocks using a barbell allocation. This would help hedge against inflation and grow the money if markets perform well. If the stock market is up in three years, take the money out for a 20 percent down payment. If the stock market is down in three years, keep the $150,000 invested and use a lower down payment Am I overthinking this? Does this plan make sense, or should I be more conservative and keep the down payment in a high-yield savings account? _______________ Subscribe via Apple Podcasts: https://affordanything.com/applepodcasts Full show notes for the episode: https://affordanything.com/episode571 Get our show notes in your inbox: https://affordanything.com/shownotes Follow us! IG: https://instagram.com/paulapant Twitter: https://twitter.com/affordanything FB: https://facebook.com/affordanything Community: https://affordanything.com/community </video> <video> The Hidden Psychology of Financial Pressure, with Dr. Sunita Sah Description: What would you do if someone in authority told you to do something that felt wrong? Most of us like to think we'd speak up, push back, stand our ground. But research tells a very different story. In fact, when Yale researchers conducted a famous experiment in the 1960s, they found that 65% of people would administer what they believed to be deadly electric shocks to another human being... simply because someone in a lab coat told them to. Today's guest has spent over 15 years studying why humans comply with authority - even when every fiber of our being is screaming that we shouldn't. And when it comes to our money, this tendency to comply with authority figures - from financial advisors to real estate agents to car salespeople - can cost us dearly. Dr. Sunita Sah began her career as a physician in the UK's National Health Service. During one particularly exhausting period as a junior doctor, she agreed to meet with a financial advisor who had contacted her at work. That meeting sparked questions that would shape the rest of her career: Why did she feel pressured to trust this advisor, even after learning he had a conflict of interest? Today, she's a tenured professor at Cornell University, where her groundbreaking research on compliance and influence has been featured in The New York Times and Scientific American. She's advised government agencies, served on the National Commission on Forensic Science, and helps leaders understand the psychology behind why we say "yes" when we really want to say "no." Whether you're meeting with a financial advisor, negotiating the price of a home, or discussing rates with a contractor, understanding the psychology of compliance could save you thousands of dollars - and help you make better financial decisions. Today's conversation isn't just about psychology - it's about protecting your wealth by learning when and how to say "no." Resources Mentioned in the Episode: - Website: sunitasah.com - Newsletter: Defiant by Design on Substack - Connect with Dr. Sah on LinkedIn: https://www.linkedin.com/in/drsunitasah - Follow Dr. Sah on Instagram: https://www.instagram.com/drsunitasah/ About Dr. Sunita Sah Dr. Sunita Sah is a tenured professor at Cornell University specializing in organizational psychology. Her research focuses on how and why people comply with authority, even against their better judgment. A former physician in the UK's National Health Service, Dr. Sah brings a unique perspective to understanding human behavior and decision-making. Her work has been featured in leading publications including The New York Times and Scientific American, and she has served as a Commissioner on the National Commission on Forensic Science. Timestamps: Note: Timestamps will vary on individual listening devices based on dynamic advertising run times. The provided timestamps are approximate and may be several minutes off due to changing ad lengths. 0:00 Intro 4:00 Most people follow authority against their own judgment 7:01 Dr. Sah meets a pushy financial advisor as a young doctor 9:55 Why conflict-of-interest disclosures backfire 12:16 "Insinuation anxiety" makes us cave under pressure 14:13 The "sales pitch effect" creates unwanted obligation 17:29 Growing up conditioned to comply as a South Asian daughter 20:34 Career paths: following passion vs family expectations 27:29 The Milgram experiments reveal our tendency to obey 35:28 Using "quiet defiance" to resist pressure 42:20 Why managers misunderstand employee silence 46:43 Five elements that separate consent from compliance 53:03 Building defiance through small daily practices 58:13 The power of the pause in decision-making 1:02:54 Five stages to recognize and act on resistance 1:18:22 How to develop your personal style of defiance _______________ Subscribe via Apple Podcasts: https://affordanything.com/applepodcasts Full show notes for the episode: https://affordanything.com/episode574 Get our show notes in your inbox: https://affordanything.com/shownotes Follow us! IG: https://instagram.com/paulapant Twitter: https://twitter.com/affordanything FB: https://facebook.com/affordanything Community: https://affordanything.com/community </video> <video> Your Retirement Math is WRONG (Here’s Why) Description: Joanne is confident that her short and long-term financial plans are set, but she’s not certain about the medium-term. What’s the proper way to allocate money for different time horizons? Jessie is intrigued by Paul Merriman’s simple portfolio recommendations but wonders about his lean away from growth stocks. Are value funds generally better for everyday investors? Nancy is worried she’ll miscalculate her financial independence number because her net worth includes pre and post-tax money, plus liquid and illiquid investments. What’s the right approach? Former financial planner Joe Saul-Sehy and I tackle these three questions in today’s episode. Enjoy! _______ Joanne asks (at 03:20 minutes): I understand the short-term basics of personal finance such as having a fully-funded emergency fund. And I’m familiar with long-term investing, like letting money ride out in an index or target date fund. But, what about the medium-term? I’m a 45-year-old recently divorced single mother of two kids, aged 10 and 12. I’m about to retire or semi-retire in a month or two after 20 years of working. I’m in good shape for post-age 60 with $1.5 million in my retirement accounts. But what about the money I’ll need in five years? I have $500,000 in a CD ladder that includes a 2-year CD, a 3-year CD, and three 5-year CDs, all at over 4 percent. For the next 4 years, I’ll also receive settlement payments from the divorce. Some of this money will go toward funding my children’s 529s for college. I own two condos. They’re both paid off and worth $400,000 each. When I first divorced, I downsized to a condo that was too small for me and my kids. I was able to buy the adjoining unit and connect them. Once the kids leave for college, I’ll seal up the condos and sell one back. I also have passive income from a family real estate property. This money along with interest from investments, the CDs, and some of the child support money, my expenses for early retirement are mostly covered. But what should I do with my medium-term CD funds after they mature in five years? I’d need these funds to meet my needs over the next several years. Should I consider bonds or another investment? Jessie asks (at 31:25 minutes): What a great episode with Paul Merriman. I noticed that he recommends diversifying with value stocks rather than with growth index funds. Would there be similar findings if you were diversifying with growth-focused index funds, or do his findings suggest that value funds are more productive for most everyday investors? Nancy asks (at 45:58 minutes): I’m working on calculating my Financial Independence, Retire Early (FIRE) number, but I’m a bit confused about which investments and values to include. My net worth combines pre- and post-tax investments, plus liquid and illiquid assets. My money is split between a Vanguard account, a Thrift Savings Plan (TSP), and real estate. Vanguard is straightforward because I can log in and check the balance of my accounts. With the TSP, however, what number would you consider to be the amount I have “invested”? Is it my total contributions, my contributions plus the employer match, or the total value of my portfolio? And, how do I separate the pre-tax portion from the Roth portion? As for real estate, how should I assess my investment? Is it the cash I’ve put in, like the down payment and monthly payments? Or should I consider the equity minus the loan balance, the current market value, or the original purchase price? Each of these approaches gives me different numbers, and I’m curious which ones you’d suggest prioritizing when calculating my FIRE target and determining how much I need to make work optional. _______________ Subscribe via Apple Podcasts: https://affordanything.com/applepodcasts Full show notes for the episode: https://affordanything.com/episode561 Get our show notes in your inbox: https://affordanything.com/shownotes Follow us! IG: https://instagram.com/paulapant Twitter: https://twitter.com/affordanything FB: https://facebook.com/affordanything Community: https://affordanything.com/community </video> <video> Negotiation EXPERT: This Can Save You THOUSANDS! | Jeff Wetzler, Ed.D. Description: Let's talk about negotiations. You know, those back-and-forth talks where you try to get the best deal possible on a car, a house, or a couch on Facebook Marketplace? Or when you ask your boss for a raise? Turns out, asking the right questions can be a game-changer. According to Jeff Wetzler, Ed.D., people often hold back information when they're negotiating. They might be worried about looking bad or giving away too much. But if you can get them talking, you can learn a lot. It's like peeling an onion – layer by layer, you discover what really matters to the other person. The key is to be curious and listen carefully. Show the other person you're interested in what they have to say. And don't just focus on what they're saying; pay attention to how they say it. Their body language and tone can tell you a lot. By understanding the other person's point of view, you can find ways to work together and reach a deal that benefits everyone. It's all about building trust and finding common ground. _______________ Subscribe via Apple Podcasts: https://affordanything.com/applepodcasts Full show notes for the episode: https://affordanything.com/episode531 Get our show notes in your inbox: https://affordanything.com/shownotes Follow us! IG: https://instagram.com/paulapant Twitter: https://twitter.com/affordanything FB: https://facebook.com/affordanything Community: https://affordanything.com/community </video> <video> Why Smart Investors Are Questioning VTSAX and Chill Description: Jason is confused by the recent discussions about the efficient frontier and Paul Merriman’s four-sector strategy. It seems a lot like another form of stock-picking. What’s the difference? Michelle straddles the Roth income threshold and is frustrated that she never knows if she’ll qualify for a Roth contribution until tax season. Is her current savings plan too complicated? Evan has $100 to spend on personal finance books for his high school’s library. What books would Paula and Joe put on this limited shelf space? Former financial planner Joe Saul-Sehy and I tackle these three questions in today’s episode. Enjoy! P.S. Got a question? Leave it here. _______ Jason asks (at 03:08 minutes): I’ve enjoyed your recent discussions about the efficient frontier and the merits of diversification compared to the “VTSAX and chill” strategy. Like you and many of your guests, I agree that actively managed funds tend to underperform, and stock-picking is a losing game—even for highly paid Wall Street professionals. But here’s where I’m confused. While I understand that strategies like Paul Merriman’s four-fund portfolio focus on diversifying across asset classes, isn’t that just another form of stock-picking? And if we agree that beating the market is statistically unlikely, why not consider alternative investments like real estate, which offers unique advantages? I’ve personally shifted toward real estate syndications, and they’ve been outperforming both VTSAX and the Merriman approach in my experience. Here’s how: • Tax advantages: With bonus depreciation, I’ve been able to deduct up to 60 percent of my initial investment in the first year. For example, a $50,000 investment could yield a $30,000 deduction, saving me $10,000 on taxes (though limited to investment income since I’m not a real estate professional). • Passive income: Syndications provide annual distributions of four to eight percent while offering returns of 1.5x to 3x the original investment over three to five years. • Diversification: Real estate’s risks differ from those of the stock market, which adds a layer of portfolio diversification. Once I’ve done the upfront due diligence, syndications are as passive as holding VTSAX or a diversified stock portfolio. If we’re going to encourage stepping away from VTSAX and taking on more risk, why not advocate for options like real estate, which offers strong tax benefits and steady returns? Michelle asks (at 41:24 minutes): My husband and I are in a constant struggle with the income limits for Roth IRA contributions and every year, we’re right on the edge of the adjusted gross income (AGI) threshold. For the past two years, we’ve contributed to our Roth IRAs monthly, only to find out at tax time that we’ve exceeded the limit. Each time, we’ve had to recharacterize those contributions to a traditional IRA and then convert them to a backdoor Roth IRA the following year. This process creates an issue: we’re left with gains from the year that exceed the Roth contribution limit. These gains need to be rolled over to our 401k, which will be taxed upon withdrawal in retirement. So I’ve been considering other strategies: 1. Contribute directly to a traditional IRA monthly and immediately perform a backdoor Roth conversion. This ensures gains grow tax-free, but monthly conversions are an administrative hassle. 2. Make a single annual contribution to the traditional IRA and convert the whole sum to a backdoor Roth. This simplifies the process but we’d miss out on dollar-cost averaging and potential gains throughout the year. I also worry about what happens if the account loses money in a year—something we haven’t faced yet but could in the future. What’s the most efficient way to handle this process? Should we stick with monthly contributions, switch to an annual contribution, or try a different approach? Evan asks (at 57:25 minutes): I’m a high school teacher, and I’ve just received approval to spend $100 on personal finance books for our school library. As a fan of your philosophy—"you can afford anything, but not everything"—I’d love to hear which books you think would make the cut if you were in my shoes. _______________ Subscribe via Apple Podcasts: https://affordanything.com/applepodcasts Full show notes for the episode: https://affordanything.com/episode568 Get our show notes in your inbox: https://affordanything.com/shownotes Follow us! IG: https://instagram.com/paulapant Twitter: https://twitter.com/affordanything FB: https://facebook.com/affordanything Community: https://affordanything.com/community </video> <video> Rich People Are Weird and That's Their Secret Description: The world's greatest investors have a secret: they're weird. When one young fund manager met Bill Miller for the first time, he refused to shake hands. Instead, he locked eyes and declared: "I'm going to beat you, man." William Green joins us to share what he's learned from decades of conversations with investing legends — from the hyper-competitive to the deeply philosophical. These conversations reveal that success isn't just about strategy; it's about understanding yourself and playing to your strengths. The best investors are mavericks who think differently. They're willing to look strange, be lonely, and diverge from the crowd. Templeton demonstrated this during WWII. When Germany invaded France and markets crashed, he bought 104 stocks trading under $1 — including 37 bankrupt companies. His contrarian bet paid off 5x when markets recovered. But Green emphasizes this isn't just about getting rich. His decades of interviews reveal deeper wisdom about building a good life: — Great investors focus on what they can control. They can't predict markets, but they can manage their behavior and emotions. — They embrace simplicity. Jack Bogle advocated owning low-cost index funds rather than chasing complex strategies. — They understand odds and risk. Howard Marks asks "What's the consequence if I'm wrong?" before making decisions. — They play to their strengths. Charlie Munger says if you're 5'3", don't try to be a pro basketball player. — They live below their means. As investor Tom Gaynor notes, "If you're living within your means, you're already rich." Green shares a practical framework called HALT PS — don't make important decisions when Hungry, Angry, Lonely, Tired, in Pain, or Stressed. This applies beyond investing to daily life. The conversation explores how to build resilience before market crashes through healthy habits, self-awareness, and preparation. Green notes that many successful investors practice meditation and read widely across disciplines. Even legends make mistakes. Bill Miller saw his assets drop from $77 billion to $800 million during the 2008 crisis. But he rebounded by staying true to his principles and learning from failure. Green's key message? Focus less on getting rich and more on building an "anti-fragile" life aligned with your values and strengths. The best investors aren't just good at making money — they're skilled at creating lives of meaning and purpose. Find more from William Green at williamgreenwrites.com or on his podcast Richer, Wiser, Happier, featured on the We Study Billionaires feed. Timestamps: Note: Timestamps will vary on individual listening devices based on dynamic advertising run times. The provided timestamps are approximate and may be several minutes off due to changing ad lengths. 3:00 - Meeting Sir John Templeton in the Bahamas 5:12 - Templeton's WWII stock strategy during market crash 14:00 - Wisdom vs survivorship bias in investing stories 17:38 - Why great investors recommend index funds 28:42 - Prioritizing freedom over wealth maximization 38:31 - Bogle's client-first philosophy 51:32 - Living below means for market volatility 53:37 - HALT PS conditions leading to poor choices 1:01:07 - Using data for better decision making 1:07:01 - Bogle's emphasis on simple investing 1:10:36 - Danoff's "stocks follow earnings" strategy _______________ Subscribe via Apple Podcasts: https://affordanything.com/applepodcasts Full show notes for the episode: https://affordanything.com/episode576 Get our show notes in your inbox: https://affordanything.com/shownotes Follow us! IG: https://instagram.com/paulapant Twitter: https://twitter.com/affordanything FB: https://facebook.com/affordanything Community: https://affordanything.com/community </video> <video> What Everyone Gets Wrong About the 4% Rule | Bill Bengen, Father of the 4 Percent Rule and MIT Grad Description: Bill Bengen, the former rocket scientist who discovered the "4 percent rule" of retirement planning, joins us at the Bogleheads conference in Minnesota. Bengen clarifies that calling it a "rule" is misleading since it doesn't fit everyone's situation. The 4 percent figure came from studying the worst-case scenario since 1926, when someone who retired in 1968 could only safely withdraw 4.2 percent annually. Out of 400+ retirees in his database, that was the only one who had such a low safe withdrawal rate — most could take out much more. Recent research has pushed the "safe" withdrawal rate closer to 5 percent. But Bengen identifies eight key factors that affect how much you can withdraw, including how long you'll be retired and whether you're drawing from taxable or tax-deferred accounts. For early retirees planning for 50-60 years, Bengen says the safe withdrawal rate asymptotically approaches 4.2 percent — meaning even with an infinite time horizon, it won't drop below that. He thinks the common advice to use 3 percent for early retirement is unnecessarily conservative. Bengen shares what he calls the "four free lunches" in retirement planning: 1. Using an equity glide path (reducing stocks at retirement, then increasing later) 2. Diversification across asset classes 3. Regular portfolio rebalancing 4. Slightly overweighting higher-returning assets like small-cap stocks When it comes to market drops versus inflation, Bengen has clear advice: Don't panic during bear markets — they typically recover. But if you hit extended high inflation early in retirement, it's time to "head for the bunkers" and cut expenses drastically. Beyond finance, Bengen shares his excitement about space exploration as a former rocket scientist who graduated from MIT just months before the moon landing. He hopes to live long enough to see humans reach Mars and believes space tourism helps people appreciate Earth's beauty and fragility. The interview ends with a light-hearted discussion about whether Pluto should still be considered a planet (Bengen still calls it one, out of habit) and speculation about future tourism to Saturn's moon Titan once the sun's expansion makes it warmer in a few hundred million years. Timestamps: Note: Timestamps will vary on individual listening devices based on dynamic advertising run times. The provided timestamps are approximate and may be several minutes off due to changing ad lengths. 0:00 Paula introduces Bill Bengen, creator of the 4% withdrawal rule 2:19 Bengen explains how the 4% rule represents a worst-case scenario from 1968 10:14 Bengen warns against using a fixed percentage withdrawal method, as it could lead to dangerously low income in down markets 17:32 Discussion of the "smile" pattern in retirement spending - high at start, dips in middle, rises at end for medical costs 23:22 Bengen shares the four "free lunches" in retirement planning, including equity glide path and diversification 34:25 Conversation shifts to bonds and stocks no longer being inversely correlated in 2022 35:44 Deep dive into Black Swan events and how to prepare for unpredictable market crashes 42:14 Bengen advises when to panic (inflation) and when not to panic (bear markets) during retirement 49:20 Analysis of spending categories that rise faster than inflation, like healthcare and housing 51:27 Bengen discusses graduating MIT in 1969, just before the moon landing 51:56 Conversation turns to current space exploration and plans for Mars missions 53:39 Bengen speculates about future tourism to Saturn's moon Titan 54:17 Light-hearted debate about Pluto's planetary status _______________ Subscribe via Apple Podcasts: https://affordanything.com/applepodcasts Full show notes for the episode: https://affordanything.com/episode560 Get our show notes in your inbox: https://affordanything.com/shownotes Follow us! IG: https://instagram.com/paulapant Twitter: https://twitter.com/affordanything FB: https://facebook.com/affordanything Community: https://affordanything.com/community </video> <video> We Ran The Numbers On Zero APR Cards And... It's Complicated Description: An anonymous caller has always put her large purchases on zero percent APR credit cards, but something’s been nagging at her. Is she walking on thin ice with this strategy? Von is confused why he keeps hearing that Roth accounts are better than traditional if they both lead to the same mathematical result. What’s he missing? Molly and her husband are well on their way to financial independence, but they feel unfulfilled with their careers. Can they afford to plunge into student debt with a 50 percent pay cut? Former financial planner Joe Saul-Sehy and I tackle these three questions in today’s episode. Enjoy! P.S. Got a question? Leave it here. _______ Anonymous asks (at 01:55 minutes): Is using a zero percent APR credit card to cover large expenses a good strategy? I’ve been doing this for years, but I’m starting to wonder if there are risks I haven’t considered. For example, instead of saving cash for a vacation and paying for it upfront, I open a new credit card with a promotional zero percent APR offer, typically lasting 15 or 18 months. I charge all my vacation expenses to that card and then pay it off gradually over the promotional period. The way I see it, I’d rather invest my money today and pay for expenses later. Since these credit cards offer an interest-free loan, it seems like a no-brainer. Sometimes I keep the card open; other times, I close it, depending on factors like annual fees or the rewards program. I’ve used this approach for years, and it’s worked well for me. It’s helped increase my credit score to over 800 without much downside. I don’t have a mortgage but I do have a car loan. Otherwise, I’ve been financially responsible. Are there any dangers to this strategy that I’m not seeing? Von asks (at 21:27 minutes): I’m struggling with the implication I’ve heard in several episodes that a Roth retirement account is better than a traditional one if tax rates remain the same. Can you elaborate on your stance? I’ve heard you discuss the benefits of Roth accounts, emphasizing that withdrawals in retirement are tax-free, including the gains. This seems to imply that paying taxes upfront (Roth) yields a better outcome than paying taxes later (Traditional). But mathematically, this isn’t true if tax rates are the same at the time of contribution and withdrawal. Here’s an example: A $10,000 contribution to a traditional account grows to $174,494 over 30 years, assuming a 10 percent annual return. If it’s taxed at 20 percent upon withdrawal, you’ll have $139,595 in net spendable income. With a Roth, you’d pay the 20 percent tax upfront, contributing $8,000. After 30 years of growth at the same rate, that also grows to $139,595, yielding the same spendable income. As long as the tax rate remains constant the net result is identical in both scenarios. Have I misunderstood the point you’re trying to make about Roth accounts, or are there more nuances to this question that I haven’t thought about? Molly asks (at 33:56 minutes): My husband and I are considering major career changes that come with a 50 percent plus pay cut. How do we approach this huge adjustment and continue saving toward financial independence? We’re both 39 years old, with two kids (ages 2 and 6). I’m considering a career in nursing and he wants to go into teaching. We believe these careers will be more fulfilling and allow us to spend more time with our family, But we’d both need additional degrees. Here’s a snapshot of our financial picture: Combined income: $250,000 annually, plus $14,000 net rental income from two properties. Savings: $750,000 in retirement accounts (mostly pre-tax, some Roth), $20,000 in cash. Real estate: $800,000 in equity across all properties, including our primary residence. Debts: $165,000 left on our primary mortgage (to be paid off in 5 years), $70,000 remaining on each rental. We can live off $4,000 monthly for basic expenses, with room for extras like vacations. If we stayed on our current path, we’d reach financial independence relatively soon. However, we don’t plan on fully retiring. We’d just like to slow down. How do we navigate these decisions while staying on track for financial independence? What are strategies to maximize our savings and benefits as we shift into these lower-paying careers? And should we take out student loans? The costs are $25,000 for an accelerated nursing program and $10,000 for a teaching degree. _______________ Subscribe via Apple Podcasts: https://affordanything.com/applepodcasts Full show notes for the episode: https://affordanything.com/episode573 Get our show notes in your inbox: https://affordanything.com/shownotes Follow us! IG: https://instagram.com/paulapant Twitter: https://twitter.com/affordanything FB: https://facebook.com/affordanything Community: https://affordanything.com/community </video> <video> Why Our Million-Dollar Portfolio Keeps Me Up at Night Description: Jackie is sold on Paul Merriman’s “Four Funds” approach, but she’s overwhelmed by the logistics of diversifying her single fund portfolio.. What are the best practices to redistribute her investments, handle taxes, and manage rebalancing? Heidi’s mother recently passed and she’s struggling to decide between distribution options, their tax implications, and investment options for the annuity she inherited. An anonymous caller and her husband want to buy a second home, pay for their children’s college, buy a car in cash, travel well, and save $3 to $4 million for retirement. How do they prioritize and manage their competing goals? Former financial planner Joe Saul-Sehy and I tackle these three questions in today’s episode. Enjoy! P.S. Got a question? Leave it here. _______ Jackie asks (at 02:26 minutes): My husband and I are in our late 30s, and your insights have convinced us to shift away from our current approach of keeping everything in Total Stock Market and S&P 500 index funds. Instead, we’d like to follow a strategy similar to Paul Merriman’s “Four Funds” approach. But here’s where we’re stuck: the logistics. We have $1 million in investments spread across nine accounts: we each have a 401(k) through our employers, a Roth IRA, a traditional IRA, and an HSA. We also share a brokerage account. They’re all invested in broad index funds, but we don’t have much experience selecting investments beyond that. Do we need to pick new funds for each account to diversify? If so, managing nine accounts seems overwhelming and far beyond the “45 minutes a year” approach Joe recommends. We’re also unsure about tax implications. Will selling our current funds to buy others trigger taxes? And how often will we need to rebalance all these accounts—every year? Heidi asks (at 32:39 minutes): My mother recently passed, leaving an annuity of $500,000. The advisor suggested a 10-year distribution at $5,000 monthly, but I’m considering a 15-year option to reduce the tax impact. My husband and I are in our early 30s. We have a combined income of $160,000 and are in the 22 percent tax bracket. Which approach is most beneficial, and what else should we know about investing this money? Anonymous asks (at 52:30 minutes): I’m struggling to figure out how to prioritize our financial goals, and I’d love your advice. I’m 34, my husband is 40, and we have two kids, ages one and five. We earn $265,000 annually (pre-tax) and have the following financial snapshot: Retirement accounts: $200,000 in mine and $100,000 in my husband’s, with both of us contributing enough to get our 5 percent employer match. We’re also eligible for pensions but we’re unsure of the payout. Brokerage account: $8,000. 529 plans: $9,000 for our five-year-old and $1,000 for our one-year-old. Savings: $12,000. Home: We own a townhome worth $600,000 with $415,000 left on the mortgage at a 2.5 percent interest rate. Here are our goals: Retire comfortably with $3 to $4 million by age 60, travel often, and enjoy financial freedom. Buy a larger home in 5 – 10 years while keeping our townhome as a rental property, since we live in a college town. Pay cash for our next car. Fully fund our kids’ 529 plans to cover their college tuition. Take two vacations a year—one in the summer and one at Christmas to visit family. We know we should save more, but how do we approach these competing priorities? Should we focus on one goal at a time or divide our savings among them? Should we base it on time horizons or the amount of money needed for each? And where should we put the money—general savings, specific accounts, or something else? _______________ Subscribe via Apple Podcasts: https://affordanything.com/applepodcasts Full show notes for the episode: https://affordanything.com/episode566 Get our show notes in your inbox: https://affordanything.com/shownotes Follow us! IG: https://instagram.com/paulapant Twitter: https://twitter.com/affordanything FB: https://facebook.com/affordanything Community: https://affordanything.com/community </video> <video> How the Wealthy Make HUGE Decisions | Fortune Magazine Insider Tells All Description: What happens when an astronaut goes blind during a spacewalk? For Chris Hadfield, this wasn't a hypothetical scenario. While working outside the International Space Station, cleaning solution from his helmet visor spread into both eyes, leaving him completely blind in the vacuum of space. His response? Stay calm and methodically evaluate options. He could call Houston. He could have a crew member rescue him. He could try to cry to flush out his eyes - though that's tricky in zero gravity. This story opens our conversation with Polina Marinova Pompliano, former Fortune Magazine reporter and author of the new book "Hidden Genius." Through her interviews with high-performers across fields — from astronauts to investors to extreme athletes — she uncovers patterns in how people handle uncertainty and build resilience. Take trust, for example. Reid Hoffman's formula is simple: Trust = Consistency + Time. It's not enough to show up sporadically when it's convenient. Trust builds through meeting deadlines, following through on commitments, and maintaining clear communication — even during challenges. Reliable consistency compounds over time, much like interest in an investment account. Or consider Charlie Munger's approach to beliefs. Rather than defending positions "to the death," he argues you should only claim to believe something if you can argue the opposition's viewpoint better than they can. This forces you to genuinely understand different perspectives rather than just reflexively disagreeing. The conversation explores how people navigate major setbacks, from Conrad Anker surviving an avalanche that killed his climbing partners to Polina's own experience of quitting Fortune magazine right before COVID hit. A key theme emerges: resilience isn't about avoiding difficulty, but about training yourself to handle it through small daily practices. Former Navy SEAL David Goggins calls this "callusing the mind." By deliberately doing one uncomfortable thing each day - whether that's running in the rain or having a difficult conversation - you build your capacity to handle larger challenges. The goal isn't to become superhuman, but to expand your comfort zone step by step. Other topics include: - How immigrant experiences shape risk perception - The shift from institutional to individual trust in media - Reframing "failure" as redirection - Building competence as an antidote to fear - Finding signal in the noise of information overload Enjoy the conversation! Timestamps: Note: Timestamps will vary on individual listening devices based on dynamic advertising run times. The provided timestamps are approximate and may be several minutes off due to changing ad lengths. 0:00 Introduction 3:00 - Astronaut Chris Hadfield goes blind during spacewalk 4:40 - Training helps manage fear through "dress rehearsal for catastrophe" 7:40 - Managing emotional risks when trading time for money 10:40 - Learning not to tie identity to job titles 13:40 - Evolution of success metrics from external to internal 17:40 - Francis Ngannou: From Cameroon sand mines to MMA champion 24:40 - Jeff Immelt: Balancing personal life during GE leadership challenges 28:40 - How to analyze stories without personal bias 32:40 - Why individuals now trusted more than institutions 37:40 - Charlie Munger on building trusted information sources 41:40 - Reed Hoffman's trust formula: consistency plus time 44:40 - David Goggins introduces "do one hard thing daily" 47:40 - Applying "dress rehearsal for catastrophe" to daily life Resources Mentioned: The Art of Decision Making, with Annie Duke: https://affordanything.com/episode281 The Power of Knowing When to Walk Away, with Annie Duke: https://affordanything.com/episode424 How to Build Incredible Habits, with James Clear: https://affordanything.com/episode156 _______________ Subscribe via Apple Podcasts: https://affordanything.com/applepodcasts Full show notes for the episode: https://affordanything.com/episode567 Get our show notes in your inbox: https://affordanything.com/shownotes Follow us! IG: https://instagram.com/paulapant Twitter: https://twitter.com/affordanything FB: https://facebook.com/affordanything Community: https://affordanything.com/community </video> <video> ​​Why Wall Street Changed its Mind on Bitcoin, featuring Tatiana Koffman Description: Bitcoin is hitting new all-time highs. Is this just another bull cycle, or are we witnessing a fundamental shift in how the world thinks about money? That's the question at the heart of our conversation with Tatiana Koffman, General Partner at Moonwalker Capital and author of "The Myth of Money." Koffman joins us to explain why Bitcoin might be considered "digital property" rather than just a currency. She breaks down how Bitcoin derives its value from mathematical scarcity – similar to how gold becomes harder to mine over time, Bitcoin becomes more difficult and expensive to create every four years through events called "halvings." The conversation moves through several key developments in cryptocurrency. We discuss the recent approval of Bitcoin ETFs and how traditional financial institutions like JPMorgan Chase (whose CEO Jamie Dimon once openly criticized crypto) are now embracing these products. Koffman shares insights about crypto adoption worldwide, from El Salvador's experiment with Bitcoin as legal tender to Dubai's emergence as a crypto hub. When discussing Africa's cryptocurrency landscape, Koffman explains how Nigeria's unstable banking system has driven crypto adoption, with many young people using decentralized exchanges to participate in global markets. She describes how some Nigerians have built significant wealth starting from nothing, using "airdrops" (free tokens given to early adopters) to begin trading. The interview includes a debate about inflation rates and economic data reporting, with Koffman expressing skepticism about official figures, while I push back on claims made without supporting evidence. Koffman also explains different categories of crypto investments, distinguishing between Bitcoin as a potential store of value and what she calls "meme coins" – speculative assets she compares to gambling. She provides context about stable coins, particularly USDC and Tether, and their role during the Silicon Valley Bank collapse. For those interested in investing in cryptocurrency, Koffman suggests starting with exposure to Bitcoin through regulated platforms like Coinbase or ETFs, while emphasizing the importance of proper security measures. She explains concepts like "cold wallets" and "seed phrases," comparing them to different levels of bank security. Looking ahead, Koffman discusses cryptocurrency's potential role in reducing dependence on the U.S. dollar, particularly in developing economies, while acknowledging the challenges of creating stable alternative currencies. Find Koffman's weekly newsletter at mythofmoney.com or follow her on Twitter and Instagram @TatianaKoffman. Timestamps: Note: Timestamps will vary on individual listening devices based on dynamic advertising run times. The provided timestamps are approximate and may be several minutes off due to changing ad lengths. 0:00 - Crypto as an amplified version of traditional finance 5:55 - Bitcoin's value proposition despite lacking intrinsic worth 12:30 - How Bitcoin mining creates artificial scarcity 15:14 - Bitcoin ETFs and JPMorgan's crypto reversal 19:37 - Silicon Valley Bank collapse impacts on crypto 25:45 - Regulatory challenges and Gary Gensler's approach 31:18 - El Salvador's Bitcoin experiment results 35:44 - Dubai's emerging crypto landscape 39:16 - Crypto adoption across Africa 43:28 - Debate on inflation reporting 48:55 - Understanding meme coins and speculation 52:33 - Strategic approaches to crypto investing 56:12 - Crypto vs traditional banking future 59:48 - Crypto security basics 1:01:22 - Crypto's challenge to dollar dominance _______________ Subscribe via Apple Podcasts: https://affordanything.com/applepodcasts Full show notes for the episode: https://affordanything.com/episode563 Get our show notes in your inbox: https://affordanything.com/shownotes Follow us! IG: https://instagram.com/paulapant Twitter: https://twitter.com/affordanything FB: https://facebook.com/affordanything Community: https://affordanything.com/community </video> <video> Codie Sanchez: The Millionaire Formula They Don’t Teach in Business School Description: When Codie Sanchez worked in finance, she wasn't planning to buy a laundromat. But facing 60-70 hour workweeks and realizing she didn't want her boss's job, she started looking for an exit strategy. Instead of buying a fancy car during her "midlife crisis," she purchased that first laundromat - a decision that would lead her to acquire multiple laundromats, car washes, and other local businesses. Codie joins us to break down how regular people can buy and run profitable local businesses, even without previous ownership experience. These "Main Street" businesses - think laundromats, car washes, landscaping companies, and other local services - often generate steady cash flow without requiring complex technology or massive scale. She shares eye-opening stats about business ownership in America: while 80 percent of Americans owned a business in the 1800s, today that number has dropped to just 6 percent. Meanwhile, private equity firms have increased their ownership of small businesses from 4 percent in 2000 to 20 percent by 2020. But there's good news for aspiring business owners. Codie breaks down 21 different ways to finance a business acquisition, from seller financing to equipment loans. She explains that 60 percent of businesses sell with some form of seller financing, making ownership more accessible than many realize. Want to avoid common pitfalls? Codie introduces her RICH framework: - Research: Define what type of business fits your goals and skills - Invest: Get skin in the game, but never risk bankruptcy - Command: Use systems and metrics to avoid accidentally buying yourself a job - Harness: Build toward bigger goals if desired She emphasizes starting small — master one business before attempting to build an empire. A successful acquisition requires understanding the "roadmap to making money" - the 5-7 key steps that drive profit in any business. The numbers tell an encouraging story: while 90 percent of startups fail within 10 years, small business acquisitions have a 75-95 percent success rate. Codie attributes this to buying proven business models rather than starting from scratch. Perhaps most importantly, she challenges the notion that "boring" businesses can't generate serious wealth. From a roofing company founder becoming one of the world's wealthiest women to a garbage collection entrepreneur building a billion-dollar enterprise, Main Street businesses have created numerous millionaires and billionaires. Want to learn more? Check out Main Street Millionaire. Timestamps: Note: Timestamps will vary on individual listening devices based on dynamic advertising run times. The provided timestamps are approximate and may be several minutes off due to changing ad lengths. 0:00 Introduction 2:54 Codie shares story of buying first laundromat while in finance career 10:42 Defines main street businesses as local services like landscaping and car washes 17:11 Breaks down private equity's growing acquisition of small businesses since 2000 34:31 Reveals why successful owners keep "boring" but profitable businesses quiet 41:58 Lists creative ways to finance business acquisitions 48:20 Emphasizes importance of dealmaking education before buying 55:45 Introduces "cheetah vs house cat" framework for identifying operators 1:03:05 Compares in-person vs remote work effectiveness 1:06:45 Warns against accidentally buying a job instead of a business 1:18:38 Shows power of metrics and dashboards in business management 1:27:41 Outlines strategies for building business empires 1:34:55 Highlights wealth potential in basic service businesses _______________ Subscribe via Apple Podcasts: https://affordanything.com/applepodcasts Full show notes for the episode: https://affordanything.com/episode565 Get our show notes in your inbox: https://affordanything.com/shownotes Follow us! IG: https://instagram.com/paulapant Twitter: https://twitter.com/affordanything FB: https://facebook.com/affordanything Community: https://affordanything.com/community </video> <video> The Money-Making Question You’re Afraid to Ask Description: More than 90 percent of people who ask to get their credit card annual fee reduced are successful. Yet most people never ask. Why? They assume the answer will be no. Matt Schultz, the author of “Ask Questions, Save Money, Make More,” joins us to explain the psychology and tactics behind successful negotiation. The key insight: companies want to keep your business. Banks, employers, and service providers invest in long-term relationships because it's more profitable than constantly finding new customers. This gives you more leverage than you might think. For credit cards, Schultz points out that calling the retention department directly (rather than general customer service) often leads to better results. He shares his own experience of getting his $600 annual fee cut in half just by making a yearly call. With mortgage negotiations, Schultz suggests getting quotes from 3-5 lenders on the same day, since rates change frequently. A quarter-point rate reduction on a $360,000 mortgage saves $20,000 over the life of the loan. The fees themselves can differ by $5,000 between lenders. When it comes to workplace negotiations, Schultz recommends keeping a weekly log of your accomplishments. Note both your regular duties and times you went above and beyond. This creates a strong foundation for salary discussions. The most effective negotiations frame requests as win-win scenarios. Instead of just asking for tuition reimbursement, explain how additional education will help you contribute more to the company. Rather than demanding a lower rent, offer to sign a longer lease that reduces the landlord's vacancy risk. Schultz emphasizes building relationships during negotiations. The person at the call center has likely dealt with angry customers all day. Being pleasant and making a human connection can lead to better outcomes. The interview also covers negotiating with family members about money, choosing when to negotiate versus pay full price (like at charity shops or with small businesses), and how to time requests effectively. The common thread: success comes from understanding the other party's interests and finding ways to align them with your own. This episode will show you how to save hundreds — or thousands — in your regular spending, simply by asking. Timestamps: Note: Timestamps will vary on individual listening devices based on dynamic advertising run times. The provided timestamps are approximate and may be several minutes off due to changing ad lengths. 0:00 Intro: Most people fear asking for discounts/negotiations 1:37 Keep weekly notes of work accomplishments for better negotiations 3:38 Companies want long-term customers - use this as negotiating leverage 6:04 Credit card fee negotiations - 90% success rate when asking 8:36 How to negotiate mortgage rates and compare lender quotes 13:15 Open-ended questions get better results than yes/no questions 19:41 How to handle pushy mortgage reps who bash competitors 26:41 Tips for millennials who hate phone calls but need to negotiate 31:17 Framing tuition reimbursement as benefit to company 39:19 Building rapport during negotiations vs being aggressive 44:42 When to walk away from difficult negotiations 49:20 Negotiating with small businesses vs large corporations 54:53 Red flags in workplace negotiations 58:38 How companies signal if they value employee growth 1:06:38 Final thoughts on customer lifetime value and negotiating power _______________ Subscribe via Apple Podcasts: https://affordanything.com/applepodcasts Full show notes for the episode: https://affordanything.com/episode562 Get our show notes in your inbox: https://affordanything.com/shownotes Follow us! IG: https://instagram.com/paulapant Twitter: https://twitter.com/affordanything FB: https://facebook.com/affordanything Community: https://affordanything.com/community </video> <video> Real Estate Millionaire Reveals: Why Strategy Beats Speed in 2025 Description: In real estate investing, your strategy matters more than your first deal. That's what Dave Meyer emphasized when he joined us to talk about building a real estate portfolio that aligns with your life goals. Most new investors rush to buy their first property. But Meyer suggests stepping back to consider your personal values, risk tolerance and long-term vision first. This shapes not just what you buy, but how you structure deals and operate your portfolio. Throughout our conversation, Meyer unpacks key frameworks for thinking about real estate investments. He explains the risk-reward spectrum, where house flipping and development offer potential returns above 50 percent but carry significant risks — while government bonds provide stable but modest 4 percent yields. Meyer breaks down real estate income into four categories, using examples from his own experience: 1: Active transactional: Doing the demolition and renovation work yourself on a house flip — you're directly trading your labor for potential profit 2: Passive transactional: Being a silent equity partner in a flip, where you provide capital but don't do any physical work (Meyer notes this is the rarest type) 3: Active residual: Self-managing your own rental property or short-term rental, where you handle tenant calls and maintenance issues 4: Passive residual: Investing in a real estate syndication that buys apartment buildings, where you contribute capital but have no operational responsibilities Meyer points out that many new investors get confused about rental properties, assuming they'll automatically provide passive income. In reality, your level of involvement determines whether it's active or passive — managing the property yourself means active residual income, while hiring a property manager shifts it toward passive. Real estate investing requires three key resources: time, money and skills. While real estate needs capital, Meyer notes you can start with less money if you contribute time or expertise. A contractor might become an equity partner on a flip by offering their renovation skills, for instance. For the common dilemma of investing locally versus out-of-state, Meyer advises staying local if returns are comparable, especially for beginners. But market selection should match your strategy — for example, West Coast markets may not provide strong cash flow but could work well for appreciation. Meanwhile, Midwest markets currently offer better cash flow with slower appreciation potential. Looking at 2025, Meyer sees opportunities in markets like Tampa, Savannah, Columbus, Indianapolis and several Wisconsin cities. While West Coast cash flow remains challenging, he points to Northeast markets like New Haven and Manchester as options worth exploring. Meyer hosts the "On The Market" podcast where he discusses real estate investing and market data, and can be found on Instagram as @thedatadeli. Timestamps: 0:00 Strategy Before Your First Deal 1:23 Personal Values & Risk Tolerance 5:43 Types of Real Estate Risk 13:11 [AD BREAK] - This episode is sponsored by Facet. 14:29 Transactional vs Residual Income 18:12 The Four Income Quadrants 20:42 Learning Deal Structures 22:52 The Resource Triangle 28:15 Different Forms of Returns 29:57 Cash Flow vs Appreciation 31:39 Local vs Out-of-State 32:46 Market Types Explained 35:14 Portfolio Strategy 35:34 Top Markets for 2024 36:46 Connect With Dave #realestate #rentalproperty #sponsored #retirementwisdom #moneymanagement _______________ Subscribe via Apple Podcasts: https://affordanything.com/applepodcasts Get our show notes in your inbox: https://affordanything.com/shownotes Follow us! IG: https://instagram.com/paulapant Twitter: https://twitter.com/affordanything FB: https://facebook.com/affordanything Community: https://affordanything.com/community </video>

Contacts and Links

Description

You can afford anything, but not everything. We make daily decisions about how to spend money, time, energy, focus and attention – and ultimately, our life. Every decision is a trade-off against another choice. But how deeply do we contemplate these choices? Are we settling for the default mode? Or are we ruthlessly optimizing around a deliberate life? Host Paula Pant interviews a diverse array of entrepreneurs, early retirees, millionaires, investors, artists, adventurers, scientists, psychologists, productivity experts, world travelers and regular people, exploring the tough work of living a truly excellent life. Want to learn more? Download our free book, Escape, at http://affordanything.com/escape

Videos from channel