Introducing The Future of Finance, a podcast hosted by our own Marissa Wood. Join us every other Thursday, where we will break down financial strategies, investment insights, and real success stories to help YOU take control of your financial future. Because financial freedom isn’t just a dream—it’s a plan. And it starts here.
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Introducing The Future of Finance, a podcast hosted by our own Marissa Wood. Join us every other Thursday, where we will break down financial strategies, investment insights, and real success stories to help YOU take control of your financial future. Because financial freedom isn’t just a dream—it’s a plan. And it starts here.
Finance Q&A: How much money would I need to never work again?
The Future of Finance
25 minutes
6 months ago
Finance Q&A: How much money would I need to never work again?
In this special Q&A episode of The Future of Finance Podcast, host and financial advisor Marissa Wood answers your most-asked personal finance questions — from how much car you can afford to the truth about Roth IRAs, student loans, and even that daily coffee habit ☕.
If you've ever wondered:
Should I max out my 401(k)?
How expensive of a car can I afford?
How much money would I need to NEVER work again?
This episode is for you.
These practical, real-world answers will help you take control of your money — whether you're just starting out, navigating student debt, or planning for a work-optional lifestyle.
💻 Work with Marissa: https://www.union-financial.com/
📩 Got a question for a future episode? Send it through our site!
⏱️ Timestamps
00:00 – Intro: Listener-submitted financial questions
00:52 – What is a Roth IRA & why should you invest in one?
02:15 – What a Roth IRA can actually hold
03:09 – How expensive of a car can I afford? (The 15% Rule) 🚗
04:58 – Why you should shop your car insurance every year
05:17 – Should I max out my 401(k)? Pros & cons
06:17 – Why liquidity matters when investing
07:17 – One of the biggest mistakes: cashing out your 401(k) early
08:50 – The compounding cost of taking out retirement funds
09:33 – Another big mistake: waiting too long to invest
10:01 – How much do you need to retire at 35 with 4 kids in NJ?
11:43 – Explaining the 4% withdrawal rule
12:05 – The bare minimum number: $1.8 million
13:03 – Best ways to invest when you're young
14:03 – Why consistency is key 🧾
15:12 – Why you should keep investing when markets are down
16:44 – Tax-free investing vehicles for young people
17:18 – Should I aggressively pay off student loans? 🎓
18:09 – Student loans = good debt?
19:16 – Why investing instead of accelerating payments might win
20:00 – How do financial advisors get paid?
21:44 – Understanding fees vs. commissions
22:30 – Wrap-up & how to submit questions for future episodes
📌 Hashtags
#FinancePodcast #FinancialFreedom #RothIRA #401k #InvestingTips #StudentLoans #MoneyAdvice #QandA #PersonalFinance #FutureOfFinance #Budgeting #FinancialGoals #SmartSpending
The Future of Finance
Introducing The Future of Finance, a podcast hosted by our own Marissa Wood. Join us every other Thursday, where we will break down financial strategies, investment insights, and real success stories to help YOU take control of your financial future. Because financial freedom isn’t just a dream—it’s a plan. And it starts here.
