How This Young Couple Turned Crypto Into a Massive Net Worth

Summary

Podcast Summary: Money Guy Show

Episode: How This Young Couple Turned Crypto Into a Massive Net Worth

Hosted by: Brian Preston & Bo Hanson
Guests: Quentin & Victoria
Release Date: July 20, 2026

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Episode Overview

This episode spotlights Quentin and Victoria, a young couple in their mid-20s with an impressive net worth nearing $900,000, much of which was achieved through early investments in cryptocurrency and disciplined saving. The Money Guy hosts, Brian and Bo, explore the couple's journey—from high school sweethearts with humble beginnings to savvy investors—highlighting their strategies, financial lessons, and the complexities of managing newfound wealth. Key themes include building wealth early, balancing future goals with present fulfillment, and navigating the emotional side of money, especially after rapid financial success.

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Key Discussion Points & Insights

1. Background and Relationship Dynamics (01:29–05:39)

• Quentin (26) and Victoria (27) are high school sweethearts from San Diego with a 10-year relationship and a six-month-old son.
• Victoria is a CPA, now working remotely in Phoenix, and Quentin advanced from UPS to roofing sales after dropping out of college.
• They’ve always combined finances and share a minimalist, experience-focused lifestyle.

2. Career and Income Trajectory (03:30–17:03)

• Victoria: Accounting firm employee, recently promoted.
• Quentin: Transitioned to roofing sales in Phoenix for higher earning potential; income grew from $85K last year to being on pace for $175K this year (16:14–16:37).
• Quentin structures his earnings via a 1099 single-member LLC and solo 401k, learning much of his approach from YouTube:

  “Everything I’ve learned…has been off YouTube.” – Quentin (17:07)

3. Net Worth Breakdown and Early Crypto Involvement (06:07–11:25)

• Their net worth is $883,000, with about $443,000 in crypto (mostly Bitcoin & Ethereum); original investments totaled only $40-$50K (10:20–10:25).
• Quentin’s first Bitcoin was bought in 2015 via online forums, yielding major gains by 2018.
• Neither have sold their crypto gains—only some minimal losses.
• Hosts note volatility and risks:

  “The volatility was just something I was not…comfortable with...That's the only thing that scares me a little bit for you.” – Bo Hansen (10:25–11:25)

4. Crypto Strategy and Portfolio Diversification (11:39–13:14)

• Currently, Quentin is a sporadic crypto buyer, occasionally taking advantage of price dips.
• Mentioned options to borrow against crypto assets but are still undecided about long-term liquidation or rebalancing strategy.
• Victoria, less emotionally attached, prefers not to count crypto as part of their main financial planning.

5. Savings Habits and Cash Management (13:33–15:09)

• They max out all available retirement accounts: 401k, HSA, Roth IRAs. Savings rate: ~34% of $216K household income.
• Notoriously “messy” with allocating excess cash, saving up large amounts to “time the market”—resulting in $156K of cash reserves.

6. Lifestyle, Goals, and Fulfillment (17:33–29:59)

• Future goals: Victoria wants more work flexibility and possibly a real wedding for their fifth anniversary ($50K budget).
• Debate over home ownership—Quentin values delaying until they can afford their “dream home,” wary of starter homes and market conditions.
• Both express nomadic tendencies; moving for career opportunities remains likely in the next 5-7 years.

7. Mindset and Money Psychology (25:09–31:22)

• Discussion on “hedonic treadmill” and the risk of feeling unfulfilled by continually moving financial goalposts:

  “You’re not winning a game. You have goals and mile markers. If you play to win…you’re going to get there and find out it’s empty.” – Bo Hansen (27:29)

• Quentin reflects on growing up poor—scarcity mentality drives his need to keep “chasing numbers” (29:04–30:01).

8. Spending, Experiences, and Guilt (31:56–36:40)

• Both prefer spending on experiences, family, and wellness over material items.
• Hesitation around everyday privileges (massages, cleaner) despite financial capability. Quentin’s default is to “say no” at first (33:47–34:01).
• Desire for more frequent family visits and convenience purchases, but habitual frugality and investment focus create internal friction.

9. Coaching and Financial Planning Advice (37:37–45:53)

• Hosts encourage relaxing their stringent savings to allow for more present enjoyment:

  “There’s a very fine line between being a financial mutant and being a financial miser.” – Bo Hansen (37:37)

• Recommendation to set up automatic investing (dollar-cost averaging excess cash), and intentionally plan life experiences to create anticipation and fulfillment.

10. Structuring for the Future (45:53–57:19)

• Exercise in reducing “fear of loss” through scenario planning. Acknowledgment that their financial achievements already ensure a comfortable future, barring a crypto collapse.
• Advice to not chase numbers endlessly, but to seek meaningful experiences and connections.

11. Specific Tactical Questions (51:44–57:19)

• Interest in employing a nanny instead of daycare (~$4K/month), potentially scalable as their family grows.
• Planning for a 529 college plan for their son; financial order of operations will include Roth and pre-tax blend, depending on future tax brackets.
• Ensure enough cash for near-term goals (wedding, emergency fund), invest the remainder with a monthly schedule, continue maxing tax-advantaged accounts but consider dialing back the savings rate for more balance.

12. Wrap-Up & Takeaways (57:35–66:42)

• Hosts recap the impressive progress Quentin and Victoria have made—strong head start, but urge for a mindset shift from “all safety/no enjoyment” to balanced, experience-rich living.
• Risks of over-concentration in crypto highlighted—advice to thoughtfully diversify and make regular “life audits” for happiness, fulfillment, and practical planning.

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Notable Quotes & Memorable Moments

• On achieving financial milestones:

  “I’ve been chasing numbers…like, [when] I saved my first $10,000, was like the best feeling in my life. When I had $100,000, I was just like, ‘oh well, it’s only $100,000.’ When we had like quarter million, ‘oh, we only have a quarter million.’”
  — Quentin (01:00, 29:59)

• The danger of endless goalpost moving:

  “There is no point in getting to 60, 65, 70 years old with tens of millions of dollars and no memories up until that point. No experiences…No fulfillment…”
  — Brian Preston (01:12, 31:22)

• On default spending attitude:

  “I always default to no. Whatever it is, I just always say no…then I think about it…and if I’ve done all the research in my head, then…it’s like, okay, cool.”
  — Quentin (33:49)

• On permission to live more fully:

  “You guys may potentially, possibly be doing too much [saving]. And it would be okay to take your foot off the gas a little bit so that you can make room for some of these other things.”
  — Brian Preston (41:05)

• On “the journey” versus “the win”:

  “If you play to win a game, you’re going to get to what you think the game is…[and] you’re going to find out it’s empty. You have to understand your mile markers are goals, but you’re on a journey; you’re not winning a game.”
  — Bo Hansen (27:29)

• Bo’s financial life wisdom:

  “There’s a very fine line between being a financial mutant and being a financial miser…The thing that creates happiness and fulfillment is who you spend your time with—your family…the little things.”
  — Bo Hansen (37:37, 38:00)

• On life and timing big purchases:

  “You don’t have to do Hamburger Helper anymore. You graduated. But you don’t always have to do the filet either.”
  — Bo Hansen (41:05)

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Timestamps for Key Segments

• Intro & Couple’s Story: 00:56–06:07
• Early Crypto Success & Investing: 06:30–11:25
• Saving & Cash Management: 13:33–15:09
• Career Arc & Income: 15:10–17:03
• Goals & Housing Philosophy: 17:33–23:19
• Hedonic Treadmill & Mindset: 25:09–31:22
• Spending Values: 31:56–36:40
• Life Coaching & Planning: 37:37–45:53
• “What If” Scenarios & Capacity for Risk: 45:53–47:46
• Balancing Savings with Present Enjoyment: 51:44–57:19
• Host Recap & Planning Summary: 57:35–66:42

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Final Notes

The episode delivers a relatable, thoughtful exploration of sudden financial success and the accompanying mindset shifts required for lifelong fulfillment. Quentin and Victoria’s story showcases the interplay between discipline, luck, and partnership—a template for young wealth-builders wrestling with how to live abundantly after “winning” the wealth game early. The hosts champion the philosophy of balance: accumulating assets is vital, but so is savoring the journey and investing in happiness along the way.

Transcript

[Brian Preston]

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[Bo Hansen]

You go from nothing, nothing, nothing. I can do this because I come from nothing. And then give me the best.

[Quentin]

I've been chasing numbers looking for like a feeling. But yeah, you don't really get the feeling. When I saved my first 10,000 was like the best feeling in my life. Like when I had 100,000, I was just like, oh well, it's only 100,000. When we had like quarter million. Oh, we only have a quarter million.

[Brian Preston]

There is no point in getting to 60, 65, 70 years old with tens of millions of dollars and no memories up until that point. No experiences up until that point. No fulfillment up until.

[Victoria]

We're originally from San Diego, California. Both of you? Yes.

[Quentin]

Yes.

[Victoria]

Yeah. So I guess we should start out with that. We have been together for 10 years.

[Brian Preston]

Let's go.

[Victoria]

Yeah. So we're high school sweethearts. We met in high school and then have been together ever since. And that's kind of where our journey started. We've been through a lot together, but I think that's what has brought us to the position we are right now.

[Brian Preston]

Same college?

[Victoria]

No. So I went to Menlo College, which is in the Bay Area. Atherton, if you're familiar with it.

[Brian Preston]

I've heard of it.

[Victoria]

Yeah, I've got my accounting degree there.

[Bo Hansen]

Oh yeah?

[Brian Preston]

Are you an accountant? Is that what you do for a living?

[Victoria]

Yes.

[Bo Hansen]

Nice.

[Quentin]

Cpa.

[Brian Preston]

Let's go.

[Bo Hansen]

They load the deck for me.

[Victoria]

He likes to throw that in.

[Bo Hansen]

Good decision maker.

[Victoria]

I love that.

[Quentin]

I was calling her CPA before she was a cpa. I just thought, I thought it was an interchangeable term. I was just like, yeah, she's a cpa. She's like, I don't have my license yet.

[Victoria]

Yeah, so I actually played softball in college as well. So I was an athlete growing up.

[Bo Hansen]

Yeah, okay, you said that. I know. She looked at Bo.

[Brian Preston]

So she gave you.

[Bo Hansen]

Nobody ever. You looked at me for the CPA softball you threw out. So the jock love is right there. I get it. I understand.

[Brian Preston]

All right, so collegiate athlete, cpa, and you do accounting now? Is that.

[Victoria]

Yes, I work for a firm. We have offices in San Diego, Oregon and a couple other states, but. But I work remotely in Phoenix. Cause that's where we're residing.

[Brian Preston]

And how long have you been with that firm?

[Victoria]

Almost five years. Five years would be in September then.

[Brian Preston]

What do you do? Are you. Tax audit.

[Bo Hansen]

Okay, that's great.

[Brian Preston]

So you like, do tax prep. Like, that's what you.

[Victoria]

Yeah, and I think we do a majority of, like, business returns, but we do have our individuals, like our high net worth individuals that the K1s flow to, that we prepare. So like a.

[Brian Preston]

Like, I feel like I got to sit up now and like, really be.

[Bo Hansen]

What's funny is, right before we came in here, Bo and I were approving a business return with K1s right before we showed up. So.

[Brian Preston]

Awesome. Okay. And so you went to a different college? Didn't go to.

[Quentin]

Yeah, so I went to a small community college in San Diego, California. I went there for two years, ended up dropping out. I started working at ups, so. Worked at UPS for about five years. And then I made a job change. That's the reason we moved to Phoenix and I started getting into roofing sales.

[Brian Preston]

Roofing sale. Like working for a roofing company, going out, saying, hey, I love that.

[Quentin]

Yeah, going out running appointments, seeing if there's damage on the roofs, and then essentially either going through the insurance process or selling them a new roof.

[Brian Preston]

A sales position. Right, that's the. Were you doing sales for ups? What were you doing for ups?

[Quentin]

No, I was a loader and then a driver. So two completely different. But when I worked at ups, when you're in the warehouse, you always want to be a driver, right? So I was always wanting to be a driver. And then you get to be a driver and it's like, it's not what it's all made out to be. So I had a friend out here doing sales, and I was all on YouTube looking at everything and it was like, sales, sales, sales. So I was like, let me just come out to Phoenix and try it out. And I tried it out and I liked it. And then I moved our family out here.

[Brian Preston]

And how long have you Been doing

[Quentin]

roofing sales three years now.

[Brian Preston]

So. Okay, so here you guys are now you. You graduate, you've got your jobs, you're in these vocations.

[Bo Hansen]

You're.

[Brian Preston]

Are you married?

[Quentin]

Married?

[Victoria]

Yes.

[Brian Preston]

Awesome.

[Victoria]

We got married August of 2024.

[Brian Preston]

Family, any kids? Any that stuff going on?

[Victoria]

We have a six month old, almost seventh month old.

[Brian Preston]

Oh, it's like brand new. Like, y' all are brand new.

[Bo Hansen]

I love. By the way, the picture that they put on Yalls profile for us was actually the announcement, I think, because y' all holding up the jersey. Oh, yeah, yeah, yeah. Really cool. So then when I got to see the notes that there was actually a baby on the scene, it was. It was kind seeing the full story there.

[Brian Preston]

All right, give us. Give us like, what's it like being parents? Right? Like, you guys are like brand new phase. Tell everybody what it's like.

[Victoria]

Yeah, it's an adjustment for sure at first. And I think we've kind of gotten to the groove of things, you know, now that he's like six months old. But definitely it was an adjustment at first, but yeah, he's amazing. We're so in love with him and we miss him a lot. So he's with his grandparents right now.

[Bo Hansen]

Is this the first trip away?

[Victoria]

Yes, it is.

[Bo Hansen]

This is not the first time this has happened.

[Brian Preston]

Thank you for being willing to come hang out with us to do this. That's huge.

[Victoria]

That's. We wouldn't have missed out on the opportunity. So we're super excited.

[Quentin]

Yeah, we. Yeah, we watch you guys all the time.

[Bo Hansen]

Do you all both watch or is it. Is one a drag along?

[Victoria]

He was the one I watched first.

[Quentin]

Okay. But now it's like a date night thing. I'm serious. Like, like they just.

[Bo Hansen]

They just released a new video left and right.

[Quentin]

She'll get. Cuz I used to watch him. Now she'll get mad at me. She's like, don't watch. Yeah, don't watch without. She's like, she has my YouTube account. She's like, you're halfway through. Like, we haven't watched. It's like, oh, sorry. Like, I couldn't help it.

[Brian Preston]

Well, okay. So you guys, you were kind enough to share a net worth statement with us and you are in a fantastic wowzer. How old are each of you now?

[Victoria]

I am 27.

[Brian Preston]

27.

[Quentin]

I'm 26 as of like five days ago.

[Bo Hansen]

All right.

[Brian Preston]

Happy birthday.

[Quentin]

Thank you.

[Brian Preston]

27, 26. $883,000 net worth. Almost millionaires here in your mid-20s.

[Bo Hansen]

And do you see I mean, man, oh, man, when did we get into crypto?

[Brian Preston]

I was going to wait. I was going to wait to get.

[Bo Hansen]

Come on. Immediately when. See that? Y' all are worth. You're in your 20s, and you're worth almost a million dollars. And then I'm like, where. Let's figure out the big account. And then I see that. I see that half of this is. Is coming through crypto. Yeah, there's a story there.

[Quentin]

Yeah, early. Yeah, we got in early. My first experience with crypto was, like, 2015, but. And it was bitcoin. Most of that on there is, like, bitcoin and Ethereum. I don't really, like, dabble after that. I went and it was, like, $80. And back then, to buy bitcoin, you have to go on, like, a forum. And because there's no exchanges, I don't know if you guys buy bitcoin now or, like, crypto, but you could buy it on Robinhood. It's on exchanges. You could buy however you want back then. No, like 2015, you'd have to go on a forum and somebody be like, send me a Starbucks gift card or something. He would, like, go to the store, scratch it off, take a picture, send it to him. And So I got $80 worth of Bitcoin or $100 worth of Bitcoin. I think it was, like, $60 left over. And. And then 2018, everybody was, like, talking about bitcoin. Like, everybody's like, oh, dude, this is going crazy. And I was like, dude, I think I have some of this. And they're like, no, it's new. Like, it's brand new. I was like, no, I think I have some of this. When I checked my account, I went up to, like, $8,000 off of, like,

[Brian Preston]

the 20 from, like, 60 bucks.

[Quentin]

From, like, it was probably, like, 20 or 40 bucks left over. And this is, like, 2018.

[Bo Hansen]

Okay.

[Quentin]

And that was, like, the first experience where I got, like, hooked into, like, not just crypto, but investing, because that was the first time I saw, like, my money make money.

[Victoria]

Right.

[Quentin]

And then after that, I just dove in. I was like, okay, I'm sold. I. I just got sold.

[Brian Preston]

All right, but tell me, what does that mean? What's dove into crypto mean? So you got this?

[Victoria]

Yeah, I would say I was a little skeptical at first, but I think in 2020 is when we, like, fully dove in. I think that was, like, a weird time, but it was, like, where crypto was, I think, at its lowest or. Yeah, it was super low compared to where it had been. And he was just like, let's just invest. Let's just invest.

[Brian Preston]

So, like, how are you doing it? Like, are you, like, buying bits and pieces of it through time? Are you waiting for the price to go down? And you would buy in, like, how are you.

[Quentin]

At that point, it was literally like, I would call her. I'd be working. I was working in the hub at that time, so I'd be working at like, 6pm to 11. I would just call her and I'd be like, how much money's. Because we combined finances early, before we ever got married.

[Victoria]

Yeah.

[Bo Hansen]

So, yeah, it's a bold step.

[Victoria]

Yeah, we did. But it was like that since, like, we started dating, like, we never worried about, like, oh, let me pay you back for this, or any of that. Like, we just kind of enjoyed our time. Like, whatever we had, we. He would save up trash can, like, the cans go to recycling. We'd save up together, make our summers, like, go to the fair. And, like, that's how we did it. So we just always, from the beginning, combined. So that's kind of like why he's like, oh, call.

[Quentin]

Yeah, I would just call her at work and I'd be like, babe, do you see the price of bitcoin? Invest now. And she's like, what are you talking about? How much money's in the account? She's like, $2,000. I'm like, put. Put $1,000 in. Oh, wow. So you were like, yeah, we would just.

[Brian Preston]

You had.

[Quentin]

Yeah, we were just doing it. But not just bitcoin. Also, like, stocks as well.

[Victoria]

That's when we started. I think we started in 2020 with the stocks, because everything was, like, down at that time.

[Quentin]

You know, crypto, like, 2018, 2019, but with stocks.

[Bo Hansen]

So of this 400, have you turned any of this into liquidity, like, or have you just kept it?

[Brian Preston]

Ever sold crypto?

[Quentin]

No. Okay. Oh, only for losses. Because obviously in the beginning, when you start seeing, like, I fell into the trap a little bit of, like, thinking all crypto is going to go up. So some of the ones that went down, I would sell them because I realized, like, hey, look, it's never going to go back up. So I've realized some losses over time, but I've never realized any of the gains.

[Brian Preston]

Okay.

[Victoria]

Yeah.

[Brian Preston]

So this crypto.

[Victoria]

So we've never touched it, really.

[Brian Preston]

If you had to guess of this $443,000 of crypto that you have, how much of that is, like, money you've put in? Like, what's the basis in there.

[Victoria]

I don't even know.

[Quentin]

He would have to like, honestly, probably not more than like 40 to 50,000.

[Bo Hansen]

Yeah, yeah. I mean the date you're giving me, that makes sense. And that's what I mean. It's one of those things when people ask us about crypto. I think now looking back in retrospect, we're like, yeah, we'd all like to have bought because we've heard we even had Humphrey Yang was on and he shared that. What was it, a pizza transaction or something? Getting in that early adopter status. There's obviously been some huge rewards. The thing I worry about, and y' all know I've been very vocal because I dabbled for about two years with it. And it's just the volatility was just something I. I was not. It felt outside of investing it because it was just even right now. I mean today it's down 4%, you know, and for the last month it's down like 25%. That's just not normal for things to swing that way. Yeah. It just feels different. So that's the only thing that scares me a little bit for you guys is because you've, you've won the game in some aspects to being your 20s, have this big of a net worth.

[Victoria]

Yeah.

[Bo Hansen]

Now I'm not saying get rid of it all, but I am saying there's a portion that maybe we look at your goals. In a minute we're going to do some questions and then we figure out if any portion of this should kind of help accelerate yalls journey into some of these other goals.

[Victoria]

Yeah.

[Brian Preston]

I'd be curious just to hear what your strategy with it is. Are you actively buying more? Have you thought about when you might sell? What are your trigger points? Like, how are you as a crypto investor? How are you approaching it strategically?

[Quentin]

So not. I didn't buy for a while. Like I'm not from like Q4 of the post having year, which was like last October, November, December. I probably haven't bought. But I'm not going to lie, I did buy some this morning because I saw that it was 4%.

[Victoria]

Yeah. He's like transferring money. I was like, what are you transferring money for? And then he's like, bitcoin. I'm like, because it's at a price,

[Quentin]

it's like undeniable right now. So I did buy some today. But our goal long term, we're going to take such a tax hit if we were to just sell it. But there's a lot of places like JPMorgan Chase, bank of America, where you can actually use as collateral and borrow against it. But I don't really see it as we need that money right now. So when we do end up needing it, maybe borrowing against it, or there's some strategy there, but not 100% sure.

[Brian Preston]

If we think about your total liquid net worth, $720,000, and a vast majority of that, a big chunk of that is in bitcoin. Is there. Or, I'm sorry, in crypto, not specifically bitcoin. Is there a. As your portfolio continues to grow? Because in a moment, we're going to talk about savings and where you allocate. Like this morning, just out of curiosity, when you bought more bitcoin, how much did you buy?

[Quentin]

Only $2,000.

[Brian Preston]

Okay. So we're not big, big chunks at

[Quentin]

relative dollar cost average.

[Brian Preston]

Got it. Okay. So when it comes to your. I'm going to call your normal saving, like, you're like. Walk us through how you guys. Because you. Even if we remove the bitcoin from the. The crypto from the equation, still doing really well.

[Bo Hansen]

Still really impress our crush.

[Victoria]

I almost, like, don't I pretend it's not there.

[Quentin]

Yeah. I can get.

[Bo Hansen]

I can understand that.

[Victoria]

Yeah. I try not to. Like, I mean, I don't think about it as much as he does. So, like, I just don't even know. It's like, there. It's like, oh, like.

[Bo Hansen]

And that shows. I mean, because even Yalls. Yalls cash is pretty frothy. I was going to ask y' all some questions about that.

[Victoria]

Yeah.

[Bo Hansen]

But I kind of wanted to get more of a feel for what y' all are building here.

[Brian Preston]

Okay, so walk us through with your, like, normal savings. Like, consistent. What are you guys doing, like, percentage wise? Yeah. Yeah. Like, how much are you saving and what accounts is that flowing to?

[Quentin]

Yeah. So what we kind of do our. We're a little messy. I'm not going to lie. We're a little messy.

[Brian Preston]

He's nervous that we're going to get on to him. You see, he's like.

[Quentin]

He's like.

[Bo Hansen]

Wouldn't say they're messy, but I see Victoria gets a little sly smile. I'm wondering, are they both messy or is this just. Is this just the.

[Quentin]

Yeah. So we don't really have a percent that we save. The way we do it is. I tell her we max out all our retirement accounts every month. So it's like whatever it would be to max out for the full year, we put that in monthly. And then for the rest, I had this notion in my mind, I could time the market. I was like, oh, yeah, the market's going to go down. Like talking about the stock market. So that's why I was saving up. Because usually we would just invest everything that's left over, but since that we couldn't because I was like, the market's at an all time high, so we're not going to use it. We're not going to use it. And then it kind of just kept stacking, stacking, stacking, stacking, until the point

[Brian Preston]

we're at now from when the market's all time high. You know what normally happens shortly after that, it's another all time high. Yeah, it's another all time high. And it's. And you end up waiting on the sidelines with exactly tons of excess capital that really hasn't been working for you. Yeah, you say you max out retirement accounts. So is that like, like 401k? Both of you have access to 400?

[Victoria]

Yes, for my employer, for me specifically.

[Brian Preston]

So that's a 20, 24,500 you're putting in there on an annual basis. And then, Quentin, same thing for you.

[Quentin]

Yeah, I have a solo 401k, so I think I could do employee and employer. But I've just done employee.

[Bo Hansen]

Do you treat it as a 1099?

[Victoria]

He's a solo C. Yeah. Yes.

[Bo Hansen]

Okay.

[Victoria]

Which I think we need to do some tax planning to do an S

[Bo Hansen]

corp. We had a huge hailstorm in this area last year, so I was lifting it up.

[Quentin]

Yeah, he was.

[Victoria]

He was like, I wonder how much.

[Bo Hansen]

Every house in my neighborhood has pretty much gotten a new roo in the last year. I mean, so business has been great, but I don't know if business will be that good this year, too. So is your income feast or famine or is it pretty consistent?

[Quentin]

So this is my third year in it. Each year I've seen an increase, which I guess is a good thing.

[Brian Preston]

That's a good thing. Making more money this year than last year, generally a good thing. You should keep doing that.

[Quentin]

But it is all commission. So it is kind of feast or famine. But regardless, we have the opportunity to do like retail as well. So no matter what, you're getting monsoons in Arizona and people need roofs. If a roof's over, you know, 20, 30 years old, you're going to need to use it, whether it's insurance or

[Brian Preston]

if it's not insurance, what's your income looked like over the last three years? And then how are you currently structured? Because again, you're the accountant. So I want to hear what you're thinking. Right. You threw out S Corp. How are you currently set up? And what's the income trajectory look like?

[Quentin]

Yeah, so last year I think it was 85.

[Victoria]

85 just, I think gross, gross that he made. And then I recently got a promotion, so got an increase in my income there. But yeah, I would just say I think every year we're planning on our income increasing, especially with his business.

[Quentin]

So this year I'm on pace for 175, which is like a huge. Like a huge jump from last year. But we did, like you said, we had one of the biggest hailstorms Phoenix has had in a certain area that we've been working. You just run in and gun and running and gun and running and gunning. So that's kind of transpiring over because all those deals close out this year. So that's kind of been why I'm on pace for the 175 this year.

[Brian Preston]

And how are you currently structured? Are you just sole proprietor to 99 LLC?

[Bo Hansen]

Did you say single member LLC?

[Victoria]

Yeah.

[Brian Preston]

How'd you know to set up solo 401k YouTube videos?

[Quentin]

Like, everything I've learned, like, ever has been off of YouTube. So I'll just like start googling some stuff like youtubing. I'll see a video like solo 401k. When I found out about it, I thought it was like a cheat code because you can take the employee and do Roth, but if I want to do an employer, I could do like traditional.

[Bo Hansen]

Right.

[Quentin]

So then I could take money off both sides. So I thought that was like a cheat code. So. Yeah, it was just YouTube videos. It might have been you guys, it might have been somebody else. I don't know. So love that.

[Brian Preston]

That's awesome. Okay, so when you guys are sitting here and thinking about, like, future financial goals, what is it you're working towards? Like, what are the. What are the questions you have or what are things that you would like to have some insight on?

[Victoria]

Overall, I think we do want to have early on more flexibility in how we work and not like a strict 9 to 5 or constantly working. I think when. I mean, it'd be nice in maybe 10 years or so to be kind of part time and like, work whenever I can. Especially when we want to grow our family.

[Brian Preston]

Specifically. You, like, you go part time 10 years from.

[Victoria]

Yeah.

[Bo Hansen]

Assuming, like, is that within 10 years or in 10 years?

[Victoria]

In 10 years. Okay. Yeah. Here's a little funny thing, but I. We didn't have A wedding. So we got married at the courthouse. We. So that's just like a. I mean, I'm not set on it, but it'd be nice and maybe like for our fifth year anniversary to have like a nice wedding to renew our vows and stuff. That's just a little fun bit.

[Brian Preston]

What's that look like from like a cost perspective and logistics perspective?

[Victoria]

That's a little scary because weddings are expensive, but. And I have a huge family. What would be your budget?

[Bo Hansen]

How many people?

[Victoria]

Close to 200.

[Bo Hansen]

Oh, wow. Okay. So that is a big family.

[Quentin]

Yeah.

[Victoria]

And that's not even everywhere family.

[Quentin]

You gotta invite down this person, that person.

[Bo Hansen]

We had a recent guess and I even gave that type of sound on 150 so hearing 200 like woo.

[Quentin]

Yeah.

[Brian Preston]

And I'm assuming for you guys to do this like wedding, it's gonna be on you guys to pay for it. It's probably not like families that are gonna pay for this.

[Quentin]

Is that a we. We'd want to pay for it?

[Victoria]

Yeah, we would. Yeah.

[Brian Preston]

Okay, so what's it cost to have a 200 person party?

[Quentin]

I'm guessing at least like $50,000. Right.

[Victoria]

Like it probably depends on the location as well. I know in Mexico you could probably get it a little cheaper, but are

[Brian Preston]

you thinking about doing it in Mexico?

[Victoria]

Yeah, it's a possibility. Yeah.

[Quentin]

I guess my questions would be more like technical. We're doing a lot into our retirement accounts and some into our brokerage as well. So I was wondering if we should continue to ramp up. Like I said, I have, I can do employee year as well as employee. If I should just max out completely for that or if that would be too much into retirement. If we're looking into. Not fire like retire early.

[Bo Hansen]

Right.

[Quentin]

I still always want to work, but maybe to pull some of that out.

[Brian Preston]

So you said you're going 24, five in each of your 401ks. Are you also doing Roth IRAs?

[Quentin]

You maxing out Roth, Roth IRAs and HSA as well?

[Brian Preston]

All right, family for the HSA, the 87.

[Quentin]

Yes.

[Bo Hansen]

Correct. You know, obviously a lot of the, the loading up the retirement because the huge tax benefits because you are paying a decent sum of taxes probably as well.

[Quentin]

Yeah.

[Bo Hansen]

What's the need for the money? Because the problem with retirement accounts is that you just, you lose access to it. So that's why the brokerage account gives you that, that bridge. But what are you thinking that you all need money for like house down payments? What are the life needs over the next five to seven years?

[Brian Preston]

I know there's a $50,000 happening. I know that I got that one down.

[Quentin]

Yeah. And I think for me, I always look at things as, like a deal, so I didn't. I've always been like, oh, I don't want a house. Because same type of thing I did with the markets. It's like, oh, it's high. Like, housing's high. I'd rather just rent. But I think down the line, like, we do want a house.

[Victoria]

Yeah, we do.

[Quentin]

Or you want a house, you said.

[Brian Preston]

I think she did not say. I think she said, no, no, we do want to have.

[Victoria]

Once we, like, start getting, like, growing our family, I think it'd be nice.

[Bo Hansen]

Bo, y' all already growing your family? We have a six month old, so we're welcome to the journey. We're here. So have y' all talked about that as a couple? When do y' all want to buy?

[Quentin]

We've talked about it. I could probably do a better job. I kind of just shut it. I shut it down a little bit, you know, because I'm like, it's not a good time. Or it's. I always see the videos where it's like, it's better to rent right now than to buy. You can save more money. So I kind of throw all that knowledge onto her, and she's just a trooper. She's just like, okay, if it's better, you know, but at the end of the day, that's one of our goals. I want to provide it, so.

[Brian Preston]

Well, is it. Is homeownership a goal for you?

[Quentin]

Yes, eventually. Yeah, eventually. I just don't know.

[Victoria]

For him.

[Bo Hansen]

We're pretty locked in on you. Victoria,

[Brian Preston]

this is a little bit of a hot take that we have when it comes to buying your primary residence. When it makes sense, it's way less of a financial decision than it is a life decision. Same way as it is with children, right? When is the right financial time to have kids? It's not a financial answer. It's a life answer. Right now you want to make sure there are some financial metrics and parameters that you stay inside of when it comes to homeownership. But. But just because prices are high and interest rates are unfavorable does not mean it might not make sense to purchase a home for you guys. Now, have there been more attractive times?

[Bo Hansen]

Perhaps.

[Brian Preston]

But again, that's only looking at the financial aspect, not looking at, like, the life aspect and where you guys want to be and set roots and establish

[Bo Hansen]

how nomadic are y'?

[Victoria]

All?

[Bo Hansen]

Are y' all locked into where you are in Arizona, or is there a chance y' all are moving in the next five years? Five to seven years?

[Quentin]

There's definitely a huge chance we'd be moving.

[Victoria]

Yeah, we're pretty nomadic, I would say,

[Brian Preston]

so we don't need to buy a house.

[Quentin]

Yeah, well, that's.

[Victoria]

Yeah, well, I think it's more like we moved to. We've lived our lives in San Diego. We recently moved to Phoenix. Right. For a job opportunity. We don't know, like, whether he's going to go into something else. Maybe there's another opportunity for him. So there is a chance. I think that's kind of what's why I'm like, agreeing with him on the whole house thing is, like, I don't want to just go into something not knowing whether we're going to be there long term. I mean, there's always the chance of, like, you know, renting or if we end up moving. Right.

[Quentin]

But long term, like a house is a goal. Like, I do want my family. I just don't think it's a rush because I think I don't want to rush into something and then be kind of like screwed over where it's like we're stuck here or stuck in this house. I'd rather just like, take our time with it. Don't make an emotional decision. And then down the line, if, you know, 10, 15 years, whatever it is, we want a house, then, then great.

[Bo Hansen]

I was just curious, and you're. Because obviously you're using the universal skill of cells. That's how you've ended up doing the roof cells. Now you've that talent. Are you just in a job or are you in a career? Because that's. That's the only thing that seems like it has a little bit of a question mark on it.

[Quentin]

Yeah, I feel like I'm in a career, but especially with the career that I'm in right now, you can move different places. Like, there is the chance. Like right now we're in Phoenix, but even my company, we're branching out to Colorado. And then we're going to be opening up different branches as well. Just because there's a lot of hail in Colorado. We're chasing. We're not storm chasing, but you do want to go to a place that gets hit with storms. Right. So we're not storm chasing, but we're storm chasing.

[Bo Hansen]

That's right.

[Quentin]

I'm locked in on the career, but the place I'm actually going to be working, it's completely. It could be working in Phoenix. I could be working in Colorado, could be working in Tennessee if they open up an office here.

[Bo Hansen]

I could sense there was something under the surface between. But I think it's more of just the. There's a huge question mark on where you land. Because what I was trying to figure out was that we couldn't tell if your job was at this or. But it sounds like it is. Just the location might change on you.

[Quentin]

Yeah, I love what I do and I love sales. I want to stay in this industry for sure, especially roofing sales. Like it's a need that everybody needs.

[Brian Preston]

There's a house out there and this is so hard to think about, but I want to think about how we think about like casting a plan and moving in a direction when you guys think about houses. Let's use Phoenix as an example. If you were going to buy a house in Phoenix right now, what's the price point of houses that you're looking at today?

[Quentin]

I've always been the guy where like I'd wear, let's talk about shoes. Like, I'd wear like beater shoes, like $5 shoes until I could get the shoes that I really, really want and then I'd buy the most expensive shoes. I feel like I'm the same way with like the house where I'm like, dude, I'll just rent up until I get to the point where we can get the house like we really, really want. I don't like starter. I don't like starter homes or middle homes. I want like.

[Bo Hansen]

Can I introduce a concept to you? Have you ever heard the hedonic treadmill?

[Quentin]

Never.

[Bo Hansen]

There's this whole thing on happiness and fulfillment is that this is where lottery winners get hosed because they do it all wrong. They think that they, they're going to find happiness in spending the money, not actually the journey.

[Victoria]

Yeah.

[Bo Hansen]

The way a lot of this all works is you do things incrementally, meaning that like you buy when you buy your first nice car. And look, I'm going to use some horrible examples, but I'm just trying to tell a story here, like, because I'm thinking of some of my friends that I've seen in my life. Like you buy the two door, three series BMW because that's a, you know, you start hitting the, you know, lick with your money, you're making money. It's a cool car. You know, you buy that but it's only gonna say keep happiness for a certain period of time. But you didn't go buy, start, start with the seven series, you, you went with the three series or you didn't start with a Range Rover, you started with a two door, you know, three series. So there was you. You enjoy the journey up as you're buying. It's just like you buy the starter home and then now, well, we're not counting on. Look, I want to tell you there's a fault to this. There's an asterisk I have to put because nobody counted on interest rates to do what they're doing and affordability is messed up right now. So you don't get to do the normal stair step that you're supposed to. But I'm just telling you there's something about the human experience that you get to do something a little nicer because it's not going to last. I will tell you, it's all fleeting. It's temporary on how long you enjoy the things you do. So that's why you at least have somewhere to go up. That's why you also have to be careful about spoiling your kids. Because if you give your kids here when they get out of college, they go back down to here and they're like, what the heck happened? And that's why you always have to be mindful of where you are in this journey. Because you sound like you go from, I'll do nothing, nothing, nothing. And then let me only eat steak. You know, it's like a Hamburger Helper. Hamburger Helper, Hamburger Helper. And then you go steak. And you skipped all the other stuff in between.

[Quentin]

You know, that is me.

[Victoria]

That's pretty accurate, actually.

[Bo Hansen]

I would love for you to discover kind of the journey because then it gives you just more stops on the way to celebrate. I can already tell y' all have some achiever mentalities and you set goals for yourself. The problem with achiever mentality in some ways is we're playing to win a game.

[Quentin]

That's exactly.

[Bo Hansen]

And you're not playing. There's. You're not actually in a game. You have goals and mile markers. If you play to win a game, you're going to get to what you think the game is at in the future. You're going to get there and find out it's empty.

[Quentin]

Yeah.

[Bo Hansen]

And that is a scary, scary thing because believe me, it gets heavy when you realize, hey, because maybe your numbers, I'm going to save until I get to five or seven million dollars. You go get there and be like, I don't feel any different. So you have to understand that your mile markers are the goals, but you're on a Journey. You're not winning a game.

[Quentin]

Yeah, yeah, I've experienced that for sure.

[Victoria]

Yeah. I think that's great advice. But I think the reason he has that mindset is kind of like his background of where he came from.

[Bo Hansen]

Well, share more. He probably is not going to tell us.

[Brian Preston]

You tell us.

[Bo Hansen]

And we know y' all been together for a long time.

[Victoria]

I would start with me. I grew up, like, middle class. I know we probably struggled, but my parents never, as kids, let us see that. And so I kind of got both of my. My mom is very not spender. She's a finance. She's a controller. So that's kind of where I got the accounting background.

[Brian Preston]

Oh, literally, that's her job.

[Victoria]

Yeah, yeah, yeah.

[Brian Preston]

I thought you were just describing her. No, no, no, no, no.

[Quentin]

She's literally.

[Bo Hansen]

That's just like, living. I got it.

[Quentin]

Cpa.

[Victoria]

Yeah. So she's more of the financial person. Where my dad is like, you know, God's gonna always provide for us, so we're always gonna have the money. He's not really worried about the money. So I think I got both aspects where I'm. I don't like to spend, but I also am, like, not worried about the money. You don't really focus on the money. Yeah, I'm not, like, fixated on the money. Whereas. So when we met, like, he didn't always have money. Growing up, he came from a completely different situation from me. To see where he is now is, like, amazing. And it's like he did it all on his own.

[Quentin]

So a lot of scarcity mindset, like, for sure. Back then. Sure. Just because you never knew, like, it was always, like, prominent, like, you knew you didn't have money. Like.

[Victoria]

Yeah.

[Quentin]

Some people that grew up, like, poor, where it's like, they hide it, you know, Know that you're poor, but there's

[Brian Preston]

the poor that grows up poor.

[Quentin]

And, you know, it. Yeah, it was in. It was in my face for sure. So then I just, like, I had this, like, different outlook on money. Like, I thought it was like, this end all. Be all, like, hoard it all, like, keep it. That kind of gave me, like, a bad relationship with money. So I'm kind of trying to, like, outgrow that. Like, even when I look at this, like, when you're talking about chasing that. I've been chasing numbers, looking for, like, a feeling. But, yeah, you don't really get the feeling. You know, it's just like, you chase, like, more numbers. More numbers. More numbers. Even, like, I told myself, like, when I saved my first 10,000 was like the best feeling in my life. Like when I had a hundred thousand, I was just like, oh, well, it's only a hundred thousand. When we had like quarter million. Oh, we only have a quarter million. And I know that sounds like probably to people, it's like, dude, that's very ungrateful, but that's just like my situation with money.

[Brian Preston]

Well, how much do you need more?

[Bo Hansen]

How much more?

[Quentin]

Yeah, exactly. Yeah, because I'm not.

[Brian Preston]

I don't think you're uncommon in that. I don't think you're uncommon in that, especially from some, someone who comes from like, very humble background. It is a reality that, okay, I don't know, I was there. I never want to go back there. So I'll do everything in my power to move in the opposite direction. And that's a testament to why you are in such a wonderful spot. But I do think if you're not careful, you do end up chasing a goal. That shouldn't be the goal. And the goal should be, okay, what do we ultimately want the money to do for us? That's why some of the questioning is like, okay, well, when do you want a house? When do you want to grow the family? What are the goals you're working towards? Because, because the way it looks right now, and if you guys have done this, you can go to moneyguide.com resources, play the wealth multiplier. And if all you did was take $719,000 and you were to drop it into our wealth Multiplier For a 26 and 27 year old, you can see without doing anything else, you're probably well on your way to tens of millions of dollars by the time that you retire. So you've done so much good work and have such a head start, it's going to be really hard to screw it up. So the question becomes, okay, well, how do we do this? Really well, how do we do this? Because there is no point in getting to 60, 65, 70 years old with tens of millions of dollars and no memories up until that point. No experiences up until that point. No fulfillment up until that point. And I think that's gonna be the bigger risk that you guys are gonna have.

[Bo Hansen]

What do y' all do for fun

[Brian Preston]

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[Quentin]

Pickleball.

[Brian Preston]

You've never played pickleball.

[Bo Hansen]

No, but that's a good answer. I mean, because that's. But keep going. What other things do y' all do for fun?

[Brian Preston]

It seems like you might work out. I don't know.

[Bo Hansen]

You work out.

[Brian Preston]

It seems like a thing that maybe you do.

I don't know.

[Bo Hansen]

Games by game. Y' all looking at each other or something over here, I bet.

[Quentin]

Yeah. Workout pickle. Outdoor stuff. So workout pickleball, tennis, Things of that nature.

[Victoria]

I would say, too. Like, prior to the baby, we loved traveling. We love of experiencing things together. So we're not really, like, materialistic. We're, oh, I want this new bag or I want this new outfit. We're pretty, like, basic on that. We, like, experiences.

[Brian Preston]

Have a hard time spending money on the Even experience. You have a hard time spending money on those things.

[Victoria]

Not really.

[Quentin]

Not experiences, but definitely, like, items like, we'll. We'll wear the same thing, like, forever. Like, it doesn't matter. Like, towels, this. That, Like, I literally. We just started going. We're like, okay, let's look at this Lululemon everybody's talking about. You know, like, everybody's talking about it. So, like, we'll go and we'll.

[Victoria]

Yeah.

[Quentin]

But like, we're just now getting into, like, okay, we can start spending money. But before, it was just all, like, chasing freedom. So, like, when we got the ability, because she'd always clean the house, but when we got the ability, it's like, okay, cool, let's get a home cleaner.

[Victoria]

Yeah. We love convenience as well.

[Bo Hansen]

Yeah.

[Quentin]

Like, convenience.

[Victoria]

Yeah.

[Brian Preston]

Any anxiety around that, like, hiring someone to offload that service? Was that a hard decision for y' all to make or was it pretty easy to make that. That decision?

[Victoria]

I think because the position that we're at and like, I. With a baby, I cannot do it. And we need our home clean. So it was kind of like, okay, well, we can do this. So we decided to hire someone.

[Quentin]

Yeah. At first, I'm always the guy that's like, I don't think we should do it. Like, I just always. That's like, it's easier for me to say no, Think about it and then say yes.

[Brian Preston]

So you always default to no?

[Quentin]

I always default to no. Like, whatever it is, I just always say no. And then. Or like, if she's like, let's take a trip to San Diego to see our. Our family. I'm always like, we can't do that. And then it'll be like the day before. And I'm like, let's just go for Christmas.

[Victoria]

Which I don't like.

[Quentin]

I have to. I have to like, say no. And then I think about it, think about it, think about it. And then if I've done all the research in my head, then it's like, okay, cool. I do that with every purchase.

[Victoria]

I would say friction in a way to where. Like, I like knowing what's going on. I don't like, just spur of the moment. I like to plan for it.

[Brian Preston]

That's the only one to accounting. It seems like that would be accounting

[Quentin]

versus sales, you see.

[Victoria]

Yeah, no, for sure. Completely different. I think we're really different personality wise. But we also work really well together.

[Bo Hansen]

It's that yin yang. It works for most of our relationships.

[Quentin]

And we grew up together.

[Victoria]

Yeah, we did. We essentially grew up together. That also helps.

[Quentin]

Like, we. We essentially raised each other, if you think about it. So like all my habits, all her habits, we kind of like got into it together. So, yeah, it works.

[Bo Hansen]

Any if money was just not anything you had to think about, is there anything that y' all aren't doing that would create more happiness?

[Victoria]

That's a great question.

[Quentin]

I think so, yeah. What would you do? I would see family a lot more there in San Diego. We're in Phoenix. See family a lot more. A lot more convenience things. Like we got a home cleaner. But I think it'd be cool to like, get lessons in some things. Like, I'm very recreational tennis player. I'm not good, but I think tennis lessons would be cool. Like it would all be around what I do now, but I'd want like a trainer for it. Like even like, yeah, mobility. Like get a mobility person. I'd want to go get massages more often. Or like we go to the spa, like, things like that. Where now I'm always like, dude, I need a massage. But I'm like, that's like 200. Like, I don't want to do that. So more like convenience things.

[Brian Preston]

You feel like you can't afford those things?

[Victoria]

I feel like we can, but we just like choose to do it wisely in a way where like, we'll like get one every six months, I guess. Six months or something. But I think we're like super health and wellness too. We like to take care of ourselves. And I guess sometimes that can be a little expensive with like massages and buying, like, the organic food and making sure the ingredients are really good for our bodies. Especially these days. You don't know what's in your food, but yeah. And I would just piggyback off him. Like, I do miss being home. My family. I grew up around all my family. So that's kind of like one thing. Like, it's a little, I guess, hard to grow up, like, especially with my son now, like, not being always around family. Whereas, like, growing up, your aunts, your uncles, your grandma and grandpa, like, are all there. Like, and you see each other, like, almost every day. So I think that's also one thing that we have to maybe eventually see if we want to go back to California. But if it's not in the cards, you know, it's okay.

[Brian Preston]

But why don't y' all do this? Like, why don't you do the massages more often, go see the family more often, go travel.

[Quentin]

I get caught up in, like, the money will be better here. Like, oh, well, 200 in the S&P510 compound. Like, CAGR is going to be, you know, so I'm just like, oh, well, one day when we have the ability and there's this amount of money in the account, then I'll do those things. Like, I've always done that. It's like, once we hit this number, then I'll get massages. Or once we hit this number, we'll start. Because we used to never eat out, you know, even like, it was like, we only cook our meals, but now we've been starting to eat out a little bit more. But even then, like, I would love to get, like, locally sourced, like, organic somewhere, like, local to us, and then just go eat food every day. Like, hey, we get our breakfast here every day. But in my head, I'm like, well, that's. If we make breakfast, it's like $10 or $8 for both of us. We go out, it's like $40. That extra money, we could just invest it or say, like. So my. My brain automatically goes to that in

[Bo Hansen]

the beginning of the journey. Deferred gratification, discipline is the most important first ingredient. But the thing is, you've already shown it. You've already done it. And the thing I, this is why you have to be careful. There's a very fine line between being a financial mutant and being a financial miser. And I'm going to go ahead and ruin life for you is I've been to the top of the mountain. I can afford to buy Anything and everything I want and what's actually important. And you realize once you get to the top of the mountain, you guys talking about family. Because if you do any research on what creates happiness and fulfillment, it's your relationship with your spouse, it's your relationship with the family. I know everybody who's watching this could be like, yeah, it's easy to say, I'm telling you, top of the mountain here. It's who you spend your time with. It's who your family. And it's the little things. It's the morning walks for me, listening to the birds and the trees and trying to make sure you get inside yourself to say, this creates. This. I'm happy with. This is because it's the little things. Because if you only do big focus on get to 5 million, 10 million, or whatever, you're gonna find out it's so empty, and it's not what you're designed for in a lot of ways. And I know that's so because you come from a scarcity. And I deal with this with Bo. Cause Bo was. You and Beau are very similar in the fact that I think Bo was probably trying to prove to a lot of people he was good enough for a long time. And I've had to essentially try to help mentor you in some ways, to slow down, deep breath in. Enjoy what you got. Because you're gonna wake up one day and be my age. I mean, it just happens. I didn't plan to be this age in the past. It just kind of happens. And that's why I'm just. Y', all. You have done. You're already way ahead of the curve. So I'm here. And that's what a lot of people think financial advisors tell everybody no. Because your default is no and no. No is a powerful tool.

[Quentin]

I like it.

[Bo Hansen]

But it's supposed to be a tool that allows you to own your time that much sooner, to get back to doing those things that are truly fulfilling, which is her, the family, the memories, and all that stuff. It troubles me a little bit that your default, even on those things that are so healthy and so nourishing to your happiness and fulfillment, you put up some roadblocks on that. And that's a mindset thing. Thing. You've got the hard part, the tool of money. But now we've just got to work on the coaching of the mindset. And that's what go do the massages, go get the stretch labs and all the other things that do that stuff. But then I'd love to Know what you want to do, too? I mean, what else? House cleaner sounded like it was great. Anything else that we should be checking the boxes on to make sure you feeling like you're getting all of your stuff, too?

[Victoria]

Honestly, I feel like we're pretty similar in our interest.

[Bo Hansen]

Y' all go do couples massages.

[Victoria]

Yeah.

[Bo Hansen]

That's why, by the way, couples massages. This is. My wife and I had this discussion. We were down in Florida, and she. And she goes, let's go get a massage. And she immediately. Because we're. We're an Orlando property, she starts looking at massages at the Grand Floridian. And I'm like. I was like, we can go get somebody to rub on us for a heck of a lot cheaper than going the Grand Floridian. So I went on Yelp and found a perfectly good place. And it was. And it was probably. It was half the price. It was half the price for sure. So there is a better way to do money that you can still get all the fulfillment of the memory without having to go the lavender. You don't have to do hamburger. You don't have to do Hamburger Helper anymore. You graduated. But you don't always have to do the filet either.

[Quentin]

Yeah, well.

[Brian Preston]

And I think one of the things, obviously, it seems like you're. You're sort of like rules based and rules driven in terms of how you operate. I just did some math. If you're both maxing out your 401ks, you're maxing out your Roth IRAs, you're doing the HSA, that's like $72,000, $73,000 a year that you're saving sort of automatically, systematically, on a $216,000 household income. That's like a 34% savings rate. I never want to say over saving, because perhaps you're saving the right. But we tell people, hey, save 25%. Save 25%. You realize if you just had an extra 10% back that you weren't saving on 216, that's like an extra $21,000. That's almost two grand a month. Imagine if you had an extra two grand a month to go travel, to see your family, to go create memories, to do those things. Now, that's not a prescription or recipe to go find ways to spend that money. But you are no longer. Sometimes we got to sit across. People say, hey, you're not doing enough. You need to do more. You're not doing enough. You need to do more. You guys may potentially, possibly be doing too Much. And it would be okay to take your foot off the gas a little bit so that you can make room for some of these other things.

[Victoria]

That sounds awesome. And I think that was one of our questions, too, because I feel like he was saying that we might have a lot of, like, cash sitting. So doing nothing, is that something we invest, used to invest, or do we enjoy ourselves?

[Brian Preston]

Well, I'll tell you. I'll tell you what I would do. You said your monthly burn rate in terms of how much you guys spend a month was what, like 7,800?

[Quentin]

Around 8,000, probably.

[Victoria]

Like 8 is average.

[Brian Preston]

So if we just set a nice full emergency fund, you should probably have about $50,000 in cash, right? For six months, fully funded emergency fund. Well, where your cash is right now at 100, was it $50,000? $155,000 in cash. You got $100,000 of excess cash. Now, obviously, we have, like, this wedding thing and this house thing, so maybe we have an emergency fund that is a little frothier than we might want. Anything above and beyond that, I think I probably would invest. But here's what I would do. I would not dump it all in today. And you're going to hate this because you're kind of a market timer, and you're kind of a crypto timer. Rather than doing that, I'd pick some number I feel comfortable with, and maybe it's 5,000, maybe it's 10,000. I don't know the number for you, but if I have an extra 70,000 to $100,000 to invest, I'm going to say, all right, every single month, I'm going to invest $7,000 a month, and I'm just going to start drawing down my cash. So then I don't care. The S and P is high, low, left, right? I'm just going to buy every single month. Every single month. So if the market's going up, great, that money I invested last month makes money. If the market goes down, great, I'm getting in lower and lower. I don't have to get it, all right? But I prevent myself from being in the situation where I have been wrong and I've let the cash accumulate. So I'd figure out how much of that 156 is excess cash. And I put together a plan, okay, if I start investing this over the next 10 months, 12 months divided evenly. What's that look like? And here's what's crazy that I think is going to happen with you guys, you're going to notice your Cash doesn't actually go down that quickly because you just told us that last year you made $85,000 selling roofs, and this year you're on pace to make $175,000 selling roofs. There's a good chance you're going to start doing $7,000 a month. Try to buy that down, and you're just never going to stop, and it's just going to keep on building, Keep on building.

[Bo Hansen]

I'm also seeing that you all have a list of life things that y', all, you know, know, services and experiences y' all need to be doing that you need to backfill.

[Victoria]

Okay.

[Bo Hansen]

There's nothing that says that you can't create an anticipation of the journey, you know, meaning y' all go out on a date night. You know, look, you came here, got a babysitter for that. Obviously, you know, y' all go out on date night. I do.

[Brian Preston]

Like, tonight, y' all do this tonight.

[Victoria]

I'm very excited.

[Bo Hansen]

I think date nights are very important for married couples.

[Victoria]

Yes.

[Bo Hansen]

But then y' all can use that date night to kind of write down what, over the next quarter, over the next six months, you figure out the time frame for you guys. What do y' all want to do? Do you want to do maybe a massage every other month? Do you want to go do a trip to see the family? And y' all actually put it on the calendar or loosely, you can write it in pencil so that you can

[Quentin]

move it around a little bit.

[Bo Hansen]

But then that way y' all can start anticipating it, and you not only get the blossoming memories of the great experience, but you also get the anticipation, because it's all back to that hedonic treadmill. Is that good stuff spread out? Bad stuff, like when really bad things do it all at once, cut it without mercy. That's why when most people, when we look at their stuff, we have to go. You have to budget, you have to work this app. You have to do this to try to find more money. You guys are the exact opposite. So we're trying to tell you, no, go figure out how we can spread this out, still live your healthy, productive life, but also put enough experiences so that when you get to be my age, you look back at your 20s, and we go, job well done. 30s, job well done. 40s, job well done. And you have no regret. And then you look back and go, why was I even worried about this?

[Victoria]

Yeah.

[Bo Hansen]

And that's. And you'll be so happy that you actually put the effort into it.

[Quentin]

Yeah. I feel like I get nervous because we're so young. Like you said, we're so young that I just see it as like, there's so much time for things to go wrong. I don't know why my brain goes like that, but I'm like, okay, yeah, we're at 882. At what, the 20s? But what if something goes wrong in the 30s or the 40s?

[Bo Hansen]

Heard our benchmarks, though.

[Brian Preston]

Let's do this exercise. It's called the seven. So what's. Let's say that you get all your stuff going, you got $50,000 in an emergency fund to cover you for six months. Let's say that roofing dries up, you are no longer a roofer. What are you gonna do? No longer selling roofs. What are you gonna do?

[Quentin]

Go to another sales position?

[Brian Preston]

Go find something else to sell? Gonna take you six months to go land in that sales position.

[Quentin]

Probably, maybe less.

[Brian Preston]

Yeah, you're not gonna let yourself do that.

[Quentin]

You're just.

[Brian Preston]

I can just tell you're a hustler. You're gonna go out there and you're gonna find a job and. All right. Of the $8,000 a month y' all are currently spending, if you really had to get lean, how lean could you get on that?

[Quentin]

Probably like 4,000.

[Bo Hansen]

Right?

[Brian Preston]

You could cut it in half. Right?

[Bo Hansen]

See how this is all falling apart?

[Brian Preston]

Okay. If things go bad. If things go bad, and look, we should not say this, but we're gonna say it. If you go take that number, that 719, and put it in the wealth multiplier and see what it turns into without you saving anything else. So long as you can keep lights on and food on the table, you've done a lot of the hard work so far. Assuming nothing goes crazy with crypto, that's the one wild card there. You've done a lot of the hard work so far that you have already bought yourself freedom and flexibility in your 30s by being in your mid-20s with almost a million dollar net worth, you're in a fantastic position. I think a healthy fear of things going away is great, but it needs to be realistic. And so you go through the seven. So what's okay if this happens? So what if this happens? So what if this happens, so what? But so long as by the time you get to seven of those, so what's. And you're still healthy and alive and your family's still healthy and alive, things are. Things are pretty good. You know what I mean?

[Quentin]

That's true.

[Bo Hansen]

It's full circle back to what actually Creates happiness and fulfillment. That's what we all look. And don't mishear me. I'm not saying money doesn't buy happiness in the fact that it does pay for your basic necessities, food and shelter and those type of things. But beyond that, it does start to lose what it can do for you. I mean, if you start thinking about wealth and riches, what's the difference between somebody who has 5, 10 million versus somebody who has a billion? It's probably just an airplane. I mean, that's really about it. Their hot water feels the same as your hot water. And it's one of those things where you start thinking about those things and then you can say, okay, now that of freed myself from trying to keep up with some false goal that means absolutely nothing in the grand scheme. You can actually focus on what really makes me happy. Now, some things do cost. I mean, forever. I had a. I got bought a Jeep Wrangler that for about 12 to 14, it was probably 15 years of my life, gave me tremendous happiness because I couldn't get it. When I was a kid, I wasn't as poor as Beau or it sounds like your situation, but I was poor enough that I couldn't have what I wanted. So when I got enough money, I went and bought that. And I loved every time I went through a drive through that. You know, every high school kid was like, that is the coolest gift kit, the subwoofer and all the other stuff. But then it ran its course and, you know, I let somebody else have that joy and I moved on. There's nothing wrong with enjoying those elements, but just making sure that you are taking the time to figure out what the happiness factor is at that moment. And that's where right now I'm worried you go from nothing. Nothing, nothing. I can do this because I come from nothing and then give me the best. And that's just. There's so much in between that I've got to get you to slow down and enjoy so that y' all get the best version of yourselves.

[Victoria]

Yeah.

[Quentin]

Yeah.

[Victoria]

One thing I will give him is where I saw that he was improving on as we bought a Tesla.

[Brian Preston]

Okay, what kind of Tesla did you buy?

[Victoria]

Tesla Model Y.

[Quentin]

Okay.

[Victoria]

He did his research, so we got the best deal, right? But I was happy because I think it was. Was a step because we had beater cars forever.

[Quentin]

Forever. Yeah.

[Victoria]

This was like our first big purchase.

[Brian Preston]

And what do you think about the Tesla Model Y?

[Quentin]

I love it.

[Brian Preston]

It's wonderful. It's a car that you Love, and

[Victoria]

it's fun, and it's family, and it's

[Brian Preston]

a family car, and it's safe. And you made that decision. And it wasn't going to buy a beater, and it wasn't doing the. And it was okay, and it's okay. Lifestyle creep gets such a bad rap, and it is bad in a lot of circumstances, but we all naturally want our lives to improve throughout the lives. We don't want it to be a lifestyle cliff where it's down, down, down, down, down. And then up here, we wanted to kind of creep up. I think that's wonderful. And you guys have lived that and experienced that. You start getting stretched out once every two months, you're gonna feel the same way. Holy cow.

[Bo Hansen]

I would. Now, look, I do want to give y' all one, because y' all are still young. When you start traveling, you don't have to go Four Seasons immediately or the St. Regis and all that stuff. It's because give yourself look at it.

[Brian Preston]

He's like, no, no, I was just gonna wait for that.

[Quentin]

I was gonna wait, but I can't wait.

[Bo Hansen]

I can tell how you're wired, and you're like, I want to give myself the best now that I've earned this. And you go hear from us. And I do think you've earned it, but I would encourage you to take some steps so that you can enjoy all the versions. Because I remember when I went on my honeymoon, I mean, I look back, I don't think I'd like that resort anymore. But at the time, it was at the time, I was like, oh, my gosh, we get to do this and this and this. And then I think about how we slowly. Now, look, I'm bougie as all get out now, but I didn't start that way. You got to give yourself enough threshold as you're going through here. So you live your best life. So that's why. Ease yourself up through what you think would be nice. Now do it.

[Quentin]

I'll try.

[Bo Hansen]

Doesn't have to be the best yet. You know, you can go through steps and really enjoy the journey.

[Victoria]

Cool. Yeah.

[Quentin]

Thank you guys for that.

[Brian Preston]

I've got an idea of some planning we can do to hopefully free you guys to feel more comfortable. What other questions can we answer for you? What are some things you're curious about we could speak to?

[Quentin]

So one more goal.

[Victoria]

Goal.

[Quentin]

And then I do have some other questions as well. One more goal I think we missed was right now, our son. He goes to daycare, But I think it would Be cool to have like a. Like a. Not like a live in nanny, but like a nanny that comes to the house. And right now we pay like, what is it, 18, 1800 in daycare a month. But I think we did the research on a nanny. If she were to come in, do like eight hours or whatever, like meal prep, do all that stuff. Stuff, I think it was gonna be out to like four grand. Okay. So I don't know where that could fit, if it could fit, like later on. But I think it'd be cool because it. At first I didn't. Because she would drop our son off at daycare, and I was like, dude, it's daycare, like this job. And then you drop him off and you're like, yes. It's hard. Like he's like looking at you. You're like, dude, I have to walk away right now. So it'd be cool to have somebody come to the house. So she's there too. We have an extra bedroom. They could take care of it.

[Bo Hansen]

We are growing the family though, right?

[Quentin]

Yeah, of course.

[Bo Hansen]

So, I mean, this is something that probably is a multiple benefit, you know, because the daycare's gonna get more expensive.

[Quentin]

Yeah. I want as many kids as possible.

[Brian Preston]

Well, and again, in the vein of not doing everything at 100 miles an hour, my wife and I went through the exact same thing, exact same thought process, exact same idea, and we eased into it. So when we had a nanny when our child was young, it was two days a week, not all five, two days, you know what I mean? And so it's something you can kind of stagger into and figure out what works. You don't have to wait until you have a full time on staff employee in the house. There are ways you can kind of ease into that. And I think there can be ways that we can budget for that and figure out how we have a bucket of money that you can feel comfortable serving that goal. Because money is nothing more than a tool that allows us to accomplish our goals. And if one of the goals you want is for your child to be in your house with a caretaker, with a provider, there's nothing wrong with that.

[Bo Hansen]

I was also. While we're talking about your son, 529 would probably do a lot of good. He's six months old right now.

[Quentin]

Yes.

[Bo Hansen]

Man, Think about the compounding. You know, I just. My oldest graduated college and all I did was when she was born, I front end loaded a little bit. But then I was. Because Georgia forever was. You got a deduction for $2,000 a year. That's about all I did for pretty much until she was 18. Might have gone into 20, but it paid for everything. But the final semester of her college, I mean, there was one semester that, because my mom had funded a 529, when the day my daughter was born, that covered one semester, and then mine covered the other three years. It was fabulous. And you don't have to do a ton because I don't want y' all to. To throw the whole kitchen sink. Yeah, the 529, but. But just a little goes a long way.

[Quentin]

I have a question on a 529. Is it say they don't want it or they don't go to college? Can they use it for something else?

[Bo Hansen]

You can use it for trade school. You can use a K through 12, private school. You can use it to fund Roth IRAs.

[Quentin]

Really?

[Bo Hansen]

I mean, when they come out, I mean, they've actually made it better and better. So I think it's so universal. Now, look, you put your oxygen mask on yourself first before you take care of the kids. So because we have a lot of people, they're not even funding their Roth IRA, and we find out they're doing 529s for kids they don't even have yet. They're like, look, you kind of. You're screwing this up. But you guys are in a perfectly good situation. You could do that.

[Brian Preston]

But also, 529s, any money that you put in always comes out penalty free, tax free. It's only if they don't use it for college that then you have to pull the money out and pay tax and penalty on it. But it's only the earnings, not the money you put in. So there's a little bit of a natural. So long as you don't get crazy with overfunding, you've got some protections in there.

[Quentin]

Another thing is if we should start switching over to traditional, because everything we have right now is Roth. So I didn't know what metric we should use to figure out, like, when to go to traditional versus Roth.

[Bo Hansen]

Arizona's tax rate. What is that? What's in Arizona right now?

[Victoria]

2.0.

[Brian Preston]

Okay, so about. So you guys are probably going to be. Now, again, this year's a little unique because you have $175,000 gross income, tons of deductions through your business, or is that pretty much, if you make 175, you're going to show 175 deductions for sure. So y' all might be in, like, 22% marginal federal bracket, another 2 to 3%. I think Roth probably still does make sense.

[Bo Hansen]

You're right around under the 25%.

[Brian Preston]

Where we generally see pre tax or traditional make a whole lot of sense is once you cross over the 30% marginal tax bracket when you add your marginal federal and marginal state. Because every dollar you put in pre tax can save you 30 cents in taxes, like an imputed 30% rate of return. And there's a good chance if you build your assets right when you get to financial independence, you can manipulate the tax code to be in a lower than 30% tax break.

[Bo Hansen]

And as you've already detailed, you know, you're going to be doing both sides of the solo, so you're going to have some pre tax money as well. So you'll have a nice mix. You'll actually have all three buckets.

[Quentin]

So do you guys suggest that I do both sides of the. Like, should I still be funding both sides of it?

[Brian Preston]

Well, we're gonna put together sort of a financial order of operations for you only because your savings, like right now to do all the things you're doing is a super high savings rate. We're likely. I don't know the planning we're doing yet, but we may decide, hey, here's what it looked like. You've saved a little bit less. But I do want us to make sure we're thinking through these other things, because if you have all of your assets flowing to retirement and we're going to assume that the crypto is like, not right, then we do want to make sure you have. If you're going to need like a house down payment or you're going to need to pay for the wedding, that can't come from retirement accounts. So we may have to be a little bit inefficient in how we plan for those goals. So that'll be something we'll put together as we plan forward.

[Quentin]

Cool. Perfect.

[Brian Preston]

We're gonna get to work. We'll start putting together a plan of what this could look like. Some things to think about, and hopefully some things that'll help you have a little more peace around. Hey, we're doing what we're supposed to be doing. I'd freak out. I'd call her at 11pm and tell her to go buy more crypto Things are gonna be okay, and it's gonna be super fun.

[Quentin]

Thank you, guys.

[Bo Hansen]

Y' all were a blast.

[Brian Preston]

Brian, what a fantastic conversation with Quentin and Victoria.

[Bo Hansen]

Yeah, this one was interesting to me. First of all, I'd like to know who could bench press more.

[Brian Preston]

Oh, come on.

[Bo Hansen]

I mean, both of you guys looked like y' all knew your way around a gym. The other thing is, I felt like when Quentin came into the room, there was a little bashfulness. I think he was really nervous. How were we going to have handle him having so much of their net worth in crypto? Now, here's the reality. When you're 27 years of age and you have as much money as they have, with a lot of that success coming from bitcoin, we're going to smile, we're going to be so happy for your success, because we're glad that you actually are so far ahead of the curve. But that does leave a lot of room for us to talk about what do they do now that they are so far ahead of the curve?

[Brian Preston]

And I think what's so interesting about them as a couple is that you couldn't help but pull for them. You hear their backstory, you hear some of the adversity they've overcome. High school sweethearts, and they're high school sweethearts. It's just a couple that you love being able to pull for. And one of the things I want to show them is because of how well his crypto play turned out for him and because of how far ahead of the curve they are in their late 20s, they have $700,000 investable assets without saving another dollar, without adding another dollar to the portfolio. If they just let that $700,000 continue to grow, and we just said if that can grow based on their wealth multiplier, at 9.3% annualized over the lifetime, by the time that they get to age 55, it could be over nine and a half million dollars. By the time they get to 60, over $15 million. By the time they get up to 65, they could be worth $24 million. Now, they've done a lot of the, I don't want to say heavy lifting because he was at the right place, right time, right investment. It turned out really, really solid for him. But because of that, I think what it can do is it can remove some of the pressure I think, that is on them, that they're already on a great track, a great trajectory. They don't have to focus on optimizing every single thing from this point out.

[Bo Hansen]

Well, there should be one big disclaimer on all this, because we are super excited for their success. It should really set them up for an easy path. But over half of this net worth is in crypto, and as we know, that's one of the things I even experienced when I was dabbling with is the level of volatility on a day to day basis is not for the faint of heart. So this is not going to be a smooth ride. So that's just definitely something they should take into account with this plan.

[Brian Preston]

Well, and look, it could turn out well. Crypto could go crazy and blow up, but it could also go the other direction. And so they as a couple need to have a very real conversation. Hey, we've kind of won the game, so to speak, at this point. How much risk do we want to continue to take? Do we want to potentially diversify? Do we want to take some of these chips off the table to protect us from that downside? Now, I don't know which direction they're going to go, but I think they ought to have an honest conversation so that they know realistically what opportunities are ahead of them as well as what risks are ahead of them.

[Bo Hansen]

Another thing that was interesting about them is, and I loved how transparent they were, Quentin and them kind of shared with us their cash is frothy. And a lot of that is the side result of them trying to time the market. Because we often say that even if you're right, right on getting out of the market at the right time, you might be left sitting in extra cash because you don't know when to get back into the market. So we want to try to figure out they got some big goals as well as I think they're going to have more cash than what they even need in cash reserves. What can they do to get back on the right path?

[Brian Preston]

Yeah. So right now they had $156,000 in cash just because he's been stocking it up. So nervous to like put it to work at all time highs. So we think realistically they can kind of think about that cash in three distinct buckets. You know, bucket number one is their emergency fund. We know that their living expenses are about $8,000 a month. So if they just want a six month fully funded emergency fund, that'd be about $50,000 in emergency liquid cash. So there's 50 of it. We know they also want to have this wedding ceremony. It was something they said they got married to the courthouse. They never had the big party, the big celebration. And that's something that they want to have in the next couple of years. So we said it's going to be

[Bo Hansen]

their five year anniversary. So it's about three years in the future.

[Brian Preston]

So we said if it's Inside a five years, we want that to stay in liquid cash again. So let's say we're going to chisel off $50,000 for this wedding ceremony, for the or not ceremony, but this wedding celebration, this marriage celebration. So that leaves $56,000 of you got to figure out what to do with. And I know Quentin. He's going to be thinking, okay, well, I'm going to either go buy some crypto with it, or I'm going to wait and time the market with it. I think that he would benefit from just removing emotion from the equation. What I'd love him to do is say, okay, you know what I'm going do to do? I'm going to just buy $5,000 a month over the next 11 months, and I'm going to have that just go into low cost index funds. I'm not going to overthink it. I'm not going to worry if the market's up. If the market's down just on the same day every single month, I'm going to put that to work. And what that's going to allow him to do is remove the emotion from getting those dollars to work and not get so caught up and end up right back in the same place he's at today.

[Bo Hansen]

I think it's cute that you think Quentin's only going to have the risk, risk of putting this on the, the cash that needs to be invested. I'm worried he's going to be tempted to use some of the wedding money.

[Brian Preston]

No, you can't do it.

[Bo Hansen]

I'm here to tell, I'm here to tell you, no, keep that in cash, you know, equivalence, because that's a three year, less than three year goal. So we want to make sure that money is safe and it's definitely there so they get the celebration that they always hoped they could do two years ago when they got married.

[Brian Preston]

So, all right, so we've triage, okay, They've got this cash. They got to figure out what to do with it. They already have a huge head start in terms of where they are presently financially. So what should their savings look like moving forward? How should they think about that? And we say that we really want your goal to be at this stage to think about tax efficiency and tax optimization. So we would love to see them do things like max out the Roth IRA, max out the HSA, do Roth IRAs for both of them. Because even though they're. They're already at maybe the coast point or getting close to coast point, it just seems crazy not to continue to still build those tax free dollars, to still do things like get full advantage of her employer match. I just think those are opportunities. Even though they're on ahead of the curve, they should not walk away.

[Bo Hansen]

Yeah, I mean that's one of the things as we showed mathematically they might not need to save more, but I think it's still good. Deflects the saving muscle or the investment muscle. And if you can do it in a tax efficient way with like with. You talked about her retirement plans also. He had the solo 401k. There's another opportunity that you could dabble in to make sure that that's maximized. I'm all right with them adjusting the savings rate, but I still think there's other areas like 529s saving. You know, they've got really cool planning opportunities still ahead for them.

[Brian Preston]

Well, and I think, I don't think they need to be caught up in over saving. They need to appropriately say. But even if they were to back down their savings rate to something a little more palatable, a little more appropriate, even thinking about if they're doing the HSAs and doing the Ross and getting her employer match, even if they weren't doing the Solo 401K. But one of the things they wanted to be able to do was have a nanny and pay for, you know, in home help. That's going to free up like $4,000 a month, which is the number they said they need to do for the nanny. Now we still don't know exactly what's going to happen with Quentin's income and how that's going to look. But if it keeps moving in a positive trajectory, I don't see any reason why they won't be able to spend money on the things that they're talking about wanting to spend money on without sacrificing being able to build for the future.

[Bo Hansen]

Yeah, I mean, I think we've got the nanny kind of covered. But then one of the things that they shared, what I was surprised about is Quentin is obviously a natural salesman because his income spiked up substantially. So they even made the statement that it seems like at the end of the month there's just money left over. And I think that's a part of that because they did have a goal of they want to buy a house someday. Victoria especially seemed like that was important. I think that opportunity is going to come their way.

[Brian Preston]

I think they're going to be able to do the house or maybe early retirement. They're going to be able to fund the goals that they have, but they ought to be realistic about what those are. I think that because there's this anxiety around not wanting to go back to where they came from, not wanting to end up back at zero, that it's putting pressure on them to over save and under where I would argue if they save appropriately, they not only can prepare for a great big beautiful tomorrow, but they can also have a great big beautiful today as well.

[Bo Hansen]

Yeah, the big thing that and I think it came through is if you're just chasing a number, you go find it's empty, it's going to be empty. So let's use this powerful tool of money that they've already got a huge head start on and let's get the nanny in so they can have more time to focus on, you know, doing what they're good at, but also making sure the kids are loved on doing a 529 so there's going to be education opportunities but then enjoying life. Don't have to keep saving at the rate that they've been doing. What a just fascinating couple.

[Brian Preston]

I'm rooting for them. I am excited about what their future looks like.

[Bo Hansen]

Quentin, Victoria, we had a blast and it's so good to see couples who met so young create so much levels of success. Us that we want you to live your best life. Beau for others who might have questions just like Quentin and Victoria, how can they apply?

[Brian Preston]

Yeah, if you'd like to be a guest on Making a Millionaire, you can go to moneyguide.com apply or if you want to check out any of our tools and resources, go to moneyguide.com resources

[Bo Hansen]

this was an absolute blast, guys. Thanks so much for tuning in. I'm your host, Brian, joined by Mr. Bo Money Guy team out.

[Brian Preston]

The Money Guy show is hosted by Brian Preston and Bo Hansen. Brian and Beau are partners with Abound Wealth Management. Abound Wealth Management is a registered investment advisory firm regulated by the securities and Exchange Commission. In accordance and compliance with the securities laws and regulations, Abound Wealth Management does not render or offer to render personalized investment or tax advice through Making a Millionaire. The information provided is for informational purposes only, may not be suitable for all investors, and does not constitute financial tax, investment or legal advice advice. All investments involve a degree of risk, including the risk of loss. The guests featured on Making a Millionaire are not clients of Abound Wealth Management at the time of recording. Their participation should not be considered a testimonial or endorsement of Abound Wealth Management.