720: From $50k in Debt to Mortgage-Free Millionaire and a 3-Day Workweek

The Side Hustle Show

Nick Loper

How To, Entrepreneurship, Business, Education

4.7 • 1.6K Ratings

🗓️ 26 January 2026

⏱️ 50 minutes

🔗️ Recording | iTunes | RSS

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Summary

Owning your time is a goal we all share, and today's conversation is about giving you concrete steps you can take to reclaim some of that time. Andy Hill went from $50,000 in debt to mortgage-free multi-millionaire and now works a three-day work week. His new book is Own Your Time: 10 Financial Steps to Put Your Family First and Escape the Corporate Grind. From MarriageKidsandMoney.com, Andy Hill shares how he built financial independence through Coast FIRE, side hustle income, and intentional life design. Tune in to Episode 720 of the Side Hustle Show to learn: How Coast FIRE works in real life The exact financial sequence Andy used to go mortgage-free and reduce pressure before leaving corporate work How evergreen side-hustle income helped support a flexible 3-day workweek lifestyle Full Show Notes: From $50k in Debt to Mortgage-Free Millionaire and a 3-Day Workweek New to the Show? Get your personalized money-making playlist ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! Sponsors: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Indeed⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ – Start hiring NOW with a $75 sponsored job credit to upgrade your job post! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Quo (formerly OpenPhone)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ — Get 20% off of your first 6 months! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Shopify⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ — Sign up for a $1 per month trial! About The Side Hustle Show This is the entrepreneurship podcast you can actually apply! The award-winning small business show covers the best side hustles and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠side hustle ideas⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. We share how to start a business and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠make money online⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and offline, including online business, side gigs, freelancing, marketing, sales funnels, investing, and much more. Join 100,000+ listeners and get legit business ideas and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠passive income⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ strategies straight to your earbuds. No BS, just actionable tips on how to start and grow your side hustle. Hosted by Nick Loper of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Side Hustle Nation⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Transcript

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0:00.0	Owning your time. That is a goal I'm pretty sure we all share. And today my goal is to give you some
0:08.3	concrete steps you can take to reclaim some of that time. What's up? What's up? Nick Loper here.
0:14.3	Welcome to The Side Hustle Show. It's the business podcast you can actually apply. And today I'm
0:19.5	joined by a good friend of mine who went from
0:21.8	$50,000 in debt to mortgage-free multi-millionaire and a three-day work week. His new book is
0:29.6	Own Your Time, Ten Financial Steps to Put Your Family First and Escape the Corporate Grind. From
0:35.8	Marriage, Kids and Money.com, Andy Hill, welcome to The Side Hustle Show.
0:40.4	Thank you for that nice introduction, Nick.
0:41.8	Good to see you, man.
0:42.7	It has been a long time coming.
0:44.8	We have known each other probably the last 10 years.
0:47.5	And what sticks out in my mind, you're one of the first people to introduce me to this
0:52.1	interesting branch of the fire movement, the financial independence retire early movement, this interesting branch called Coast Fire. And when I first saw this, I'm like, okay, I'm a West Coast kid. Maybe this is for me, but it has nothing to do with geography, does it? No, it doesn't have anything to do with. I mean, it'd be kind of nice to like, you know, enjoy both of those things, the coast and the independence, right? So yeah, we'll talk about it a little bit. I'm sure you're familiar with financial independence. That is essentially saving and investing a certain amount of money where you can essentially live off of a 4% withdrawal rate or a 5% withdrawal rate of that portfolio and not have to work
1:30.0	anymore, which is a really cool concept. The problem with that concept, at least that I found
1:34.7	in my life, is that that's a whole lot of money to save when you can only flex that frugality
1:41.2	muscle so much. So this concept meets the fire idea in sort of a halfway, you know, where it's like,
1:47.5	okay, what can I do to save and invest so much that at a certain point I can stop contributing
1:53.9	and let that grow to my goal fire number, but maybe 10 or 20 or 30 years from now?
2:00.7	So for example, my wife and I
2:02.7	saved and invested around $500,000 by age 40. And if we just purely left that alone for the next
2:10.2	two decades based on past market growth, including inflation, including any investment fees,
2:16.6	that could get us to around $2 million
	...

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