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.
Millennial Money Truths: Budgeting, Retirement & Real Talk with 35 Year-Old Client
The Future of Finance
42 minutes
3 months ago
Millennial Money Truths: Budgeting, Retirement & Real Talk with 35 Year-Old Client
* In this powerful and relatable episode of The Future of Finance, Marissa Wood sits down with client and fellow millennial Jeremy Hicks to unpack the unique financial challenges—and opportunities—facing today's 30-somethings.
They dive into real-world budgeting strategies, navigating rising expenses, building wealth while raising a family, and how small consistent investing can create generational impact. If you're a millennial wondering, "Am I going to be able to retire?"—this episode is for you.
💬 Featuring candid conversation, emotional honesty, and actionable advice on how to thrive financially—even when the odds feel stacked against you.
⏱ Timestamps:
0:00 – Intro: Why Millennials Need a Different Financial Strategy
1:30 – Real Talk: Why "Just Do What Your Parents Did" Doesn't Work Anymore
3:15 – The Millennial Home Ownership Gap & Jeremy's Early Win
5:00 – Visualizing Retirement with a Future Cash Flow Analyzer
6:30 – What Are You Really Spending? Tools & Truths About Budgeting
8:00 – Inflation Reality: Why Your $8K Monthly Budget Will Cost $20K Later
9:35 – Job Hopping, Salary Stagnation & Forgotten 401(k)s
11:15 – What's the Difference Between a 401(k) & an IRA?
14:00 – The Forgotten 401(k) Fix: Step-by-Step Rollover Help
16:00 – How Small Adjustments Can Add 5+ Years to Your Retirement
18:15 – The YOLO Trap vs. Leaving a Legacy for Your Kids
21:00 – The $500 Plan: Dividing Monthly Savings by Time Horizons
23:00 – Why Financial Advisors Aren't Just for the Wealthy
25:00 – Clarity from Planning: Turning "I Hope" Into "We Have a Plan"
26:45 – Jeremy's Best & Worst Financial Decisions (Spoiler: Solar Panels)
31:15 – Refinance Tips: For Both Real Estate & Investments
33:00 – Final Advice for Millennials: Budget, Emergency Fund, and Start Now
36:30 – Life Insurance as Legacy Planning for Future Generations
39:00 – Closing: The Mindset Shift from Me to We
🔗 Ready to take the first step?
Visit https://union-financial.com/https://www.union-financial.com/ to schedule a free consultation.
💬 If this episode moved you or gave you a new perspective, please like, comment, and share it with someone who needs to hear this.
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.
