How She Built $380k by 38 (Without a Six-Figure Job) | Making a Millionaire

Money Guy Show

Brian Preston, CPA, CFP®, PFS and Bo Hanson, CFA, CFP® | Fee-Only Fiduciary Advisors

Education, Retirement, Moneyadvice, Investing, Savingmoney, Personalfinance, Business

4.6 • 2.8K Ratings

🗓️ 10 November 2025

⏱️ 39 minutes

🔗️ Recording | iTunes | RSS

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Summary

Rachel, a single mom and tech writer from Colorado, joins us to ask the question so many of us wrestle with, "Am I doing enough? " Together, we unpack her incredible financial progress, explore smart saving vs. over-saving, and discuss the balance between future security and present joy. This episode will help you find clarity (and permission) to live a little while still building wealth. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. ⁠⁠⁠⁠DRINKAG1.com/MONEYGUY Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	I want you to be able to focus on doing the stuff with your son and creating the memories and doing the stuff now.
0:07.3	Because, yes, it's great and wonderful to one day have a huge pot of money sitting there waiting for you.
0:12.9	But you don't want to look back and say, man, I wish I would have.
0:15.3	Because your nine-year-old is only going to be nine once.
0:17.6	I don't want to sacrifice, getting to create memories and doing things today just to
0:22.5	have some slightly bigger pot of money later if I know that I'm already doing this stuff that I'm
0:26.8	supposed to be doing. And I think you are in that same exact place.
0:34.3	So I'm from Littleton, Colorado. It's like 20 minutes outside of Denver. I am a single mom to an almost nine-year-old.
0:42.5	Oh, nice. And I do a tech writing for an engineering firm.
0:46.8	Tech riding for an engineering firm. What's that mean?
0:48.9	Basically, like, I tell them where to put their commas. And, yeah.
0:54.6	Sometimes I do tech writing for a financial planning firm every now.
0:59.8	It used to be in the past for a specific advice.
1:02.3	For one specific person.
1:05.0	That's awesome.
1:05.9	How long have you been doing that?
1:07.0	It'll be three years in March.
1:08.7	You're 38 years old.
1:10.2	You let us know that you make about $83,000 a year. And I think your total net worth is like $380,000. So like, why are we here today? What's the thing that we're going to be talking about today? What made you decide you wanted to come on making a millionaire? I really like your guys' ideology on money. And I wanted to see if you guys felt like I was on the right
1:28.0	track to retire comfortably. I am hoping if you feel that I am on track, that maybe it'll make me
1:34.8	feel more comfortable to spend money on bigger things because I have a problem with that.
1:40.1	Tell us more about that. What's the problem and what kind of stuff are you not spending money on?
	...

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