1942: How to Use Your Money to Redefine Wealth Around Time, Choice and Happiness

So Money with Farnoosh Torabi

Farnoosh Torabi

Business, Entrepreneurship

4.7 • 2K Ratings

🗓️ 9 February 2026

⏱️ 41 minutes

🔗️ Recording | iTunes | RSS

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Summary

We spend so much of our lives chasing money—believing that once we earn enough, save enough, and invest enough, happiness and freedom will finally follow.

But what if the real goal isn’t more money… it’s more time?

Today’s guest is Andy Hill, AFC®, award-winning family finance coach and founder of the platform Marriage, Kids and Money, which has reached millions of families through his podcast, videos, and writing. His new book, Own Your Time, challenges a deeply held belief in personal finance: that wealth alone will solve our problems. Instead, Andy argues that true financial success is about using money intentionally to design a life filled with freedom, family connection, and choice.

In this conversation, we explore Andy’s own journey—from a six-figure household income and negative net worth to a life where he and his wife now work part-time by design. We talk about the concept of “coast financial independence,” the surprising middle ground between burnout and early retirement, and the practical financial steps families can take—at any stage—to reclaim their calendars and their priorities.

We’ll also get into the emotional side of money and time: how couples navigate unequal incomes, why optionality matters more than status, and how to raise kids who understand wealth not just as dollars, but as freedom and generosity.

Learn more about Farnoosh's upcoming literary workshop Book to Brand. Early bird registration is now open!

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Transcript

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0:00.0	So Money episode 1942, how to use your money to redefine wealth around time, choice, and happiness.
0:08.3	You're listening to So Money with award-winning money guru Farnush Torabi. Each day, get a 30-minute
0:14.6	dose of financial inspiration from the world's top business minds, authors, influencers, and from
0:20.5	Farnoose yourself.
0:22.5	Looking for ways to save on gas or double your double coupons? Sorry, you're in the wrong
0:27.8	place. Seeking profound ways to live a richer, happier life. Welcome to So Money. I think a lot of
0:35.8	us think that money can solve a lot of our problems.
0:39.7	And don't get me wrong, it could definitely help with a lot of those problems.
0:43.4	But the more wealth we build, the more choice we also have as well.
0:48.0	And we have to make a choice to say, how do we want to spend our week?
0:52.8	What is our ideal week look like?
0:55.1	What is the best version of my life?
0:57.2	And how can I utilize these awesome resources that I've built, my monetary wealth, to construct
1:04.2	the life that I've always wanted?
1:06.7	And unless we break free from the more wealth will provide happiness trap, I don't think we can actually take that inflection point to say, what do I want to do with this wealth?
1:18.3	What do I want to do with my time and structured in a way that brings my personal happiness?
1:24.8	That also brings my family happiness.
1:27.0	That also brings progress in my
1:29.6	community or my culture, whatever I deem as my values, I need to utilize those two resources,
1:37.1	my money and my time to create the life I've always wanted.
1:40.3	Welcome back to So Money, everybody.
1:41.7	I'm Farnoose Tarabi.
	...

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