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How to Money

Time > Money w/ Ben Miller (Bestie Ep) #1082

How to Money

iHeartPodcasts

Education, Investing, Business

4.63.2K Ratings

🗓️ 31 December 2025

⏱️ 52 minutes

🧾️ Download transcript

Summary

Time is easily our most precious resource, but rarely do we pay much attention to what it is that we’re going to spend our minutes and hours, which inevitably turn into weeks and years. And if you completely fail to do this, you end up as the proverbial careerist, looking back at the wasted decades, wishing you would’ve done something differently. And our guest today, Ben Miller, actually did shake things up- he traded a position on Wall Street with Goldman Sachs for a fulfilling life out in Colorado. He chose meaning over money, and he’s on a quest to help others to discover what a fulfilling life is for them with the app he’s developed: ChroniFI. We discuss nerdy board games, what caused Ben to make the pivot out west, finding work/life balance as an entrepreneur, why earning a ton of money is only one half of the equation, how to figure out what to spend your money on, determining whether to spend on ‘convenience’, and plenty more!

 

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

  • ChroniFi - See how your current purchases impact your future retirement! Ben's app links your time and your money, boiling it down to the steps you need to take in order to achieve financial freedom. And be sure to use our ChroniFi.com/HowToMoney link to get 25% off!
  • Credit card perks: Check out our favorite credit cards that we use to maximize rewards and optimize our spending.
  • Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group!
  • Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
  • Money Gears: knowing what to do with your money is crucial to your personal finance journey.
  • MG7: and maybe you’re well on your way to financial independence but you’re looking for some financial reassurance, that’s when heading over to HowToMoney.com/Advisor and getting matched with a highly vetted financial advisor makes sense.

 

During this episode we enjoyed a Apri-Guav Tastee by The Veil! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

 

Best friends out!

See omnystudio.com/listener for privacy information.

Transcript

Click on a timestamp to play from that location

0:00.0

This is an I-Heart podcast.

0:02.5

Guaranteed Human.

0:04.3

Welcome to How to Money.

0:05.8

I'm Joel.

0:06.4

And I am Matt.

0:07.7

And today we're talking to spend our most precious resource, but it's not often that we take the time to figure out

0:39.8

how it is that we're going to spend our minutes and our hours, which then inevitably turn into

0:44.7

weeks and years. And then if you completely fail to do this, that is when you end up as the

0:50.7

proverbial careerist, right, where you're looking back at the wasted decades, wishing that you would have done something

0:56.3

differently.

0:57.4

And luckily, our guest today, Ben Miller, he actually did shake things up.

1:01.4

He traded a position on Wall Street with Goldman Sachs for a fulfilling life out there in Colorado.

1:07.0

He chose meaning over money.

1:10.3

And he's actually on a quest to help others to discover what a fulfilling life is for them with the software that he's developed, Chronify. So we're going to talk about that. And, you know, I'm excited for what I think will be a wide ranging conversation all about personal finances. But specifically with time at the center of pretty much everything that we talk about today. So Ben Miller, thank you so much for joining us today on the podcast. Thanks a lot for having me. I'm excited to be here. Ben, we're excited for this combo. And Matt and I, we, you know, we like craft beer. And everyone knows that at this point. No secret. But we spent, I think the current beer, it's just one single can of beer. And it costs like $7.50, which a lot of people would say. That's crazy. I need a 12-pack. Is that the accurate price tag right there on that? I think so. Yeah. It literally says $7.29. It's not cheap. That's ridiculous. Right. So we spend too much, some would say, on craft beer, but we're also being intentional.

2:01.7

We're saving and investing for the future while we spend exorbitantly on something that we care about.

2:05.7

I'm curious, what's that for you? What's your craft beer equivalent?

2:09.7

My craft beer equivalent, I'd say, would definitely have to be strategy board games.

2:14.3

So I'm outing myself as a huge dork here, but those sometimes can go for like a hundred bucks a pop, but well worth it. Hours of family fun.

2:23.0

Okay, which game, because I think Matt and I share this love, by the way.

2:26.2

Yes, we also are nerdy, our lovers of nerdy board games. But when we go on our beach vacation, every night, every night we're there, we're playing a nerdy board game.

2:53.0

Carcassone, Sellers of Catan, we're playing. Puerto Rico. Acquire. Acquire has been a big one. So what game? You guys know the whole gamut then. This is normally people's eyes glaze over when I, yeah, yeah. They're like, wait, are you talking about monopoly? we're like yeah no, no, we're not, like, leave that for the kids.

2:51.7

Right.

...

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