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NerdWallet's Smart Money Podcast

Mrs. Dow Jones's New Rules for Getting Rich, Plus How to Combine Finances After Marriage

NerdWallet's Smart Money Podcast

NerdWallet Personal Finance

Business, Investing, Education, How To

4.3893 Ratings

🗓️ 4 May 2026

⏱️ 45 minutes

🧾️ Download transcript

Summary

Personal finance influencer Mrs. Dow Jones breaks down what it really takes to build wealth. Then, learn how to combine finances with your partner. What would you do differently today to make yourself wealthy in the future? Haley Sacks, the personal finance influencer known as Mrs. Dow Jones and author of the new book, Future Rich Person, joins hosts Sean Pyles, CFP®, and Elizabeth Ayoola to discuss the new rules for building wealth. They dig into the mindset shifts required before you can truly reach your financial goals, why quiet quitting won’t get you to the wealth you want, how to break free from the sunk cost fallacy when a job is underpaying you, and what it really means to spend less but better. Then, Sean and Elizabeth answer a listener’s question from a Spotify comment about combining finances with a partner before getting married. They dive into how to vet financial advisors and what practical financial steps every couple should take before and after saying “I do.” Inspired to navigate your finances with an advisor? Use NerdWallet Advisors Match to find vetted professionals today at https://www.nerdwalletadvisors.com/match  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0

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0:12.4

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0:17.4

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0:22.8

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0:30.1

Hey, Elizabeth, we have to talk about the newsletter. What newsletter are you talking about,

0:35.3

Sean? You mean the new free smart money email newsletter? Yes, and I have to say it is so good. It really is. It has clips, episode roundups, and behind the scenes takes from me, you, and our producer, the stuff that makes you feel like you're really part of the show. And listeners, for the record, you actually are part of the show. I'm going to be sharing personal stuff. You know, I love sharing my business. And I'm going to be sharing parenting tips from an eight-year-old and a single mom perspective. And I am loading up the newsletter with my favorite gardening tips and lots of cute photos from my garden, including my pets, just napping among my flower beds. It's kind of adorable.

1:12.2

And the best part is that this newsletter is totally free. So head to nerdwollet.com slash podcast to sign up.

1:18.3

For the record, that's nerdwollet.com slash podcast. Come hang out with us. Do you see yourself being

1:24.6

rich in the future? Well, I'm already rich, Sean.

1:28.8

I consider myself rich now.

1:33.9

But if you mean in terms of the dollar amounts, absolutely, I'm on my way to being rich.

1:35.5

Yeah, one day at a time, right?

1:42.5

Welcome to Nerd Wallet's Smart Money Podcast, where you send us your money questions and we answer them with the help of our genius nerds.

1:44.9

I'm Sean Piles.

1:45.8

And I'm Elizabeth Ayola.

1:47.9

On this episode, we're going to be chatting about finding the right financial planner for your needs and also combining finances before you tie the knot.

1:57.1

But first, what would you do differently today to make yourself rich in the future? That's the premise of the new book, Future Rich Person, by personal finance influencer Haley Sacks, who you may know better as Mrs. Dow Jones. We're going to talk with Haley about the new rules for building wealth. Haley Sachs, welcome to smart money. Thanks for having me. Great to have you, Haley. I know, I'm so excited to be here.

2:18.2

I was telling you before that like I am one of your nerds. I listen all the time. I love this show. I feel like I have a parisocial relationship with you because of social media. So the feelings are mutual, I guess. Okay, good. We're in just one giant parisocial relationship. Yes. All right, Haley.

2:34.1

Well, we're here to talk about your book, and I want to say, first of all, welcome. We're in just one giant parisocial relationship. Yes. All right, Haley.

2:51.8

Well, we're here to talk about your book. And I want to say, first of all, well done for writing the book in the tone of how you speak. As I was reading the book, I felt like I could hear you in my head. So I really enjoyed that. Thank you so much. You're welcome. Let's start with the introduction. So in the introduction of the book,

2:56.5

you say that you aren't the typical finance influencer because you come from a relatively wealthy background versus having this rags to riches story. You mentioned your father who worked on

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