Uploaded April 2026 | Updated September 2026, 2 weeks ago
Wondering how much to save to reach retirement on your terms? In this episode, we walk through the math behind our new and improved How Much Should You Save resource, explain why we landed on 25% as our benchmark savings rate, and show you how employer contributions, your starting age, and your target retirement age can all shift the number.
Then we answer your live questions on everything from $100,000-per-year college tuition to using your HSA as a long-term investment account. Plus, don't miss our Rapid-Fire Segment: Disney Edition, where Brian and Bo have 30 seconds to answer your personal finance questions while working in as many Disney references as possible!
Timestamps
0:00 New Resource: How Much Should You Save?
9:50 Q&A: My Son Got Into a $100,000 Per Year College. How Do I Explain the Debt?
22:02 Q&A: Is an ESPP with a 15% Discount a No-Brainer?
27:44 Q&A: We're So Far Ahead of Our Goals. Can We Take a Savings Gap Year?
32:13 Rapid Fire: It Does Not Depend, Disney Edition
42:52 Maybe It Does Depend: Deeper Dives on the Rapid Fire Questions
50:04 Q&A: When Do You Circle Back to Fund Your Emergency Fund More?
52:28 Q&A: Should I Adjust My Portfolio to Be More Conservative at All-Time Highs?
55:50 Q&A: How Can the HSA Be Used as an Investment Account?
🔗 How Much Should You Save? → moneyguy.com/resource/how-much-to-save
🔗 Compound Interest Calculator → moneyguy.com/tool/compound-interest-calculator
🔗 Wealth Multiplier → moneyguy.com/guide/wealth-multiplier
🎓 Brian Preston (CFP®, CPA) and Bo Hanson (CFA®, CFP®) share professional insights to help you own your financial future.
Jump start your journey with our FREE financial resources: moneyguy.com/resources
Subscribe on YouTube for early access and go beyond the podcast: youtube.com/c/MoneyGuyShow?sub_confirmation=1
Connect with us on social media for more content: moneyguy.com/link-in-bio
Take the relationship to the next level and become a client: moneyguy.com/become-a-client
#WealthBuilding #PersonalFinance2026 #RetirementPlanning #FinancialFreedom
Wondering how much to save to reach retirement on your terms? In this episode, we walk through the math behind our new and improved How Much Should You Save resource, explain why we landed on 25% as our benchmark savings rate, and show you how employer contributions, your starting age, and your target retirement age can all shift the number.
Then we answer your live questions on everything from $100,000-per-year college tuition to using your HSA as a long-term investment account. Plus, don't miss our Rapid-Fire Segment: Disney Edition, where Brian and Bo have 30 seconds to answer your personal finance questions while working in as many Disney references as possible!
Timestamps
0:00 New Resource: How Much Should You Save?
9:50 Q&A: My Son Got Into a $100,000 Per Year College. How Do I Explain the Debt?
22:02 Q&A: Is an ESPP with a 15% Discount a No-Brainer?
27:44 Q&A: We're So Far Ahead of Our Goals. Can We Take a Savings Gap Year?
32:13 Rapid Fire: It Does Not Depend, Disney Edition
42:52 Maybe It Does Depend: Deeper Dives on the Rapid Fire Questions
50:04 Q&A: When Do You Circle Back to Fund Your Emergency Fund More?
52:28 Q&A: Should I Adjust My Portfolio to Be More Conservative at All-Time Highs?
55:50 Q&A: How Can the HSA Be Used as an Investment Account?
🔗 How Much Should You Save? → moneyguy.com/resource/how-much-to-save
🔗 Compound Interest Calculator → moneyguy.com/tool/compound-interest-calculator
🔗 Wealth Multiplier → moneyguy.com/guide/wealth-multiplier
🎓 Brian Preston (CFP®, CPA) and Bo Hanson (CFA®, CFP®) share professional insights to help you own your financial future.
Jump start your journey with our FREE financial resources: moneyguy.com/resources
Subscribe on YouTube for early access and go beyond the podcast: youtube.com/c/MoneyGuyShow?sub_confirmation=1
Connect with us on social media for more content: moneyguy.com/link-in-bio
Take the relationship to the next level and become a client: moneyguy.com/become-a-client
#WealthBuilding #PersonalFinance2026 #RetirementPlanning #FinancialFreedom
