Coast FIRE with $1M by 35 in New York | Jesse Cramer

Coast FIRE with $1M by 35 in New York | Jesse Cramer

Author: Andy Hill February 18, 2026 Duration: 31:48
Marriage Kids and Money: Personal Finance for Families
BusinessFamilyInvestingKidsKids & FamilyParenting
In this episode, we talk with Jesse Cramer about his journey to reaching Coast FIRE, a milestone where existing investments can grow to fund retirement without additional contributions. We unpack how starting early and letting compound interest work over time can create long-term freedom. We also discuss the tension between saving and enjoying life today, especially while managing the realities of family expenses. Along the way, we highlight the importance of financial education and staying flexible as plans evolve. If you’ve ever wondered whether you’re starting too late, unsure how to balance today’s needs with tomorrow’s goals, or questioning what financial independence really looks like, then this episode is for you. 00:00 The Importance of Saving and Compound Interest 02:58 Achieving Coast Fire: Jesse's Journey 06:02 Understanding Investments and Financial Education 09:01 Income Growth and Financial Decisions 11:57 Balancing Spending and Budgeting 14:57 Managing Family Expenses and Lifestyle Inflation 18:03 The Flexibility of Financial Planning 20:54 Generational Wealth and Parenting Perspectives 24:04 Future Goals and Family Focus 27:11 Key Takeaways for Financial Success Resources and Links 📚 📖My new book, "Own Your Time"  https://marriagekidsandmoney.com/book 🎙️ Jesse Cramer's podcast: Personal Finance for Long Term Investors 💻 Jesse Cramer's blog:  ⁠Best Interest Blog⁠ 💻 Sponsors and Additional Resources https://marriagekidsandmoney.com/resources 📞Voicemail for Questions: Leave a voicemail at marriagekidsmoney.com/voicemail to have your question answered on the show! 👉Connect with me on social media: LinkedIn: Andy Hill, MKM Instagram and Facebook: MarriageKidsAndMoney Credits Editor: Johnny Sohl Podcast Artwork: Kayli Johnson Learn more about your ad choices. Visit megaphone.fm/adchoices

Andy Hill brings a refreshingly honest and practical voice to the often stressful conversation about money within a family. In Marriage Kids and Money: Personal Finance for Families, Andy, an award-winning Family Finance Coach, moves beyond generic budgeting advice to tackle the real financial questions that parents and couples face every day. This isn't just about spreadsheets and interest rates; it's about aligning your finances with the life you actually want to live. You'll hear specific strategies for paying off debt, saving for college, investing for the future, and having those crucial money talks with your partner. The goal is to transform financial anxiety into purposeful action, creating not just stability but genuine freedom. Each episode of the podcast feels like a conversation with a knowledgeable friend who understands that financial decisions are deeply personal and intertwined with family goals. Whether you're just starting out or well on your journey, the discussions here provide a roadmap for building security today and considering the legacy you might leave tomorrow. Tune in for relatable stories, actionable tips, and the encouragement needed to make meaningful progress with your money, all with your family's unique vision at the center.
Author: Language: en-us Episodes: 100

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Marriage Kids and Money: Personal Finance for Families
Podcast Episodes
I've Reached Coast FIRE ... Now What Do I Do For Work? [not-audio_url] [/not-audio_url]

Duration: 42:28
What happens after you reach Coast FIRE? For years, you save aggressively, maximize retirement accounts, and build wealth with one goal in mind: hitting your investment goal. But once you arrive at Coast FIRE—Coast to Fi…
Mortgage Free in New Jersey on a $750k Home | Bobby Richardson [not-audio_url] [/not-audio_url]

Duration: 26:23
What would it feel like to never make a mortgage payment again? In this episode, we talk with Bobby Richardson from New Jersey about how he and his wife Alexandra paid off their $242,000 mortgage in just 10 years and bec…
$1.8 Million Net Worth at 34 in Illinois | Ben Johnson [not-audio_url] [/not-audio_url]

Duration: 21:06
Ben Johnson grew his family’s net worth to $1.8 million by age 34 through high income skills, consistent investing, and disciplined saving. In this episode, we discuss how Ben and his wife paid off $80,000 of debt in jus…
I Know I’m Coast FIRE… So Why Can’t I Slow Down? [not-audio_url] [/not-audio_url]

Duration: 33:16
Have you reached Coast FIRE (Coast to Financial Independence and Relax Early)… but still can’t bring yourself to slow down? Today’s listener, Chris, is in that exact spot. At 36 years old with $860,000 invested, two youn…
$1.3 Million Net Worth at 38 in Florida | Abhi Jain [not-audio_url] [/not-audio_url]

Duration: 21:59
Abhi Jain has built a $1.3 million net worth by age 38 through a combination of career growth, side hustles, and real estate investing. In this episode, Abhi shares how he went from a traditional employee mindset to acce…
Coast FIRE with $1M by 35 in Ontario | Liz Enriquez [not-audio_url] [/not-audio_url]

Duration: 34:52
What does it take to reach Coast FIRE by your mid-30s and actually enjoy the freedom that comes with it? In this episode, we sit down with personal finance educator Liz Enriquez from Ambitious Adulting to discuss how she…
When Work Hijacks Your Life: Here’s How to Break Free | Guy Winch [not-audio_url] [/not-audio_url]

Duration: 26:48
When work starts to take over your life, it can impact more than just your schedule. It can affect your health, relationships, and overall happiness. In this episode, we interview psychologist and bestselling author Guy…
Should You Have a Third Child? How to Think Through the Decision [not-audio_url] [/not-audio_url]

Duration: 35:00
Should you have a third child? And how can you help your kids graduate college debt-free? In this episode, we explore one of life’s most personal decisions: whether to grow your family. We walk through a thoughtful 7-ste…

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