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Marriage Kids and Money: Personal Finance for Families

$2.8M Net Worth in Texas by Age 35 | Justin Taylor

Marriage Kids and Money: Personal Finance for Families

Andy Hill

Investing, Business, Kids & Family, Parenting

4.9604 Ratings

🗓️ 25 February 2026

⏱️ 23 minutes

🧾️ Download transcript

Summary

Justin Taylor reached a $2.8 million net worth by age 35 and retired in his early 30s. In this episode, he breaks down exactly how he built wealth, transitioned from the Air Force to corporate America, and walked away from full-time work to design a life focused on freedom, health, and travel. Justin shares how growing up with a scarcity mindset shaped his financial habits, why tracking your net worth changes everything, and the simple total stock market index fund strategy that fueled his growth. If you’ve ever felt behind financially or wondered whether financial independence is possible for you, this conversation will give you both tactical steps and mindset shifts. Want to build wealth and design a life around what matters most? Check out my book Own Your Time: https://marriagekidsandmoney.com/book In This Episode You’ll Learn: How Justin built a $2.8 million net worth by 35 His simple index fund investing approach The income journey from military to corporate What early retirement actually looks like How to overcome a scarcity mindset Resources Mentioned: The Financial Independence Show: https://thefishow.com/ Saving Sherpa: https://saving-sherpa.com/ Monarch Money (track your net worth): https://marriagekidsandmoney.com/monarchmoney Leave a voicemail for the show: https://marriagekidsandmoney.com/voicemail Podcast Credits: Host: Andy Hill Editor: Johnny Sohl Artwork: Kayli Johnson Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0

This episode is sponsored by my new book, Own Your Time. I wrote it for parents who are doing everything right on paper, but still feel stretched thin. Own your time gives you a clear path to take back control of your money, your work, and your family time. Find it on Amazon or Barnes & Noble. Own Your Time by Andy Hill. I understand it's tough because you've never seen it. You've never seen anybody with money. You've never been exposed to it. You're going to feel behind. Everybody else is going to feel like they've got a leg up on you and they're a little further ahead and you're going to have a lot of that imposter syndrome. But I would say just to continue to find examples of people who've done it, that way it can kind of reinforce that confidence that it is possible.

0:44.0

I love talking about increasing your net worth. This is our barometer for wealth-building success. Today,

0:50.2

we're going to speak with an investor who has grown his family's net worth to $2.8 million

0:55.6

by 35 years old.

0:57.6

Justin Taylor is our guest today.

0:59.6

He lives in Texas with his wife Leslie and is the co-host of the popular The Financial

1:05.3

Independence Show.

1:06.9

And when he's not focused on building his family's wealth, he enjoys cooking and traveling.

1:11.6

Welcome to the show, Justin.

1:12.6

Hey, Annie, thanks for having me.

1:14.6

Absolutely, man. Glad to have you here.

1:16.6

And we just had a chat on your show recently, and I really appreciate you having me on.

1:20.6

So glad to return the favor here and have a great conversation about this impressive net worth story.

1:26.6

Let's look back a little bit.

1:28.2

What was your motivation for building your wealth in the first place?

1:31.6

Yeah. So this one, like just for getting into personal finance in general and starting to

1:35.4

think about like, you know, how do I take control over this? It really came from when I moved to

1:40.2

Colorado, because which I grew up like on the lower end of, you know, like finances, like we grew up fairly poor. Like scarcity was always there. So like the saving part wasn't too hard. Like I wasn't used to spending much. The saving wasn't hard. But like, okay, what am I going to do next? Like, what's kind of the next thing? It really happened when I moved to Colorado after graduate in college because, you know, I got my degree. I got the job that I wanted in the Air Force as an Air Force officer, got the location I wanted in Colorado, loved the mountains. And that was the first time of my life that I actually woke up depressed, because I had kind of checked every box. I had everything done and I didn't know what was next. And it made me start doing like a lot of self-reflection around,

2:18.4

okay, what actually makes me happy? And, you know, as you start to do that kind of, I was an engineer and I started like reverse engineering my happiness. And it kept coming back to like, I need time. Like if I, if what makes me happy is being with family, being with friends, like being out in nature. How do I get there? Well, I need time. And to get that time, you know, I needed some way to fund my

2:37.9

lifestyle. with family, being with friends, like being out in nature, how do I get there? Well, I need time.

2:35.1

And to get that time, you know, I needed some way to fund my lifestyle. And that got me down

2:39.3

the rabbit hole of investing and growing my net worth and early retirement and, you know,

...

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