In this episode of The Saver Show, Michael Dillard breaks down three powerful money numbers that can shape a family’s financial future: $75,000, $20,000, and $2,400.

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He starts with Nvidia and the bigger question behind investing in trending companies: do you already own it inside your retirement funds? Then he compares the long-term tradeoff between broad market investing and more aggressive tech exposure, showing how performance can differ dramatically over time.Michael also explains why high-interest credit card debt can be one of the most expensive financial decisions a family makes, with a $10,000 balance at 24% interest costing about $2,400 a year. He follows that with a look at mortgage rate differences and how even a small change can add up to roughly $20,000 over the life of a home loan. Finally, he reveals how to make cash savings work harder by comparing low-yield accounts to higher-yield options.The episode ends with a practical saver move: log into your retirement account, review every fund you own, and identify the top companies inside those funds so you can understand what you already own and make smarter decisions with confidence.

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Unlock the crucial financial lessons that can transform your life—whether you're just starting out or looking to build generational wealth. Legna Soto Gonzalez, a first-generation college graduate and passionate financial literacy advocate, shares powerful strategies to help you escape the paycheck-to-paycheck cycle and secure your future.In this episode, Legna reveals how mismanagement and lack of education keep many living paycheck to paycheck—despite earning more than ever before. Discover how investing just $500 a month for 35 years at a 9% rate can lead to nearly $1.5 million in retirement savings. She breaks down simple, actionable steps to boost emergency funds, manage debt, and leverage employer-sponsored programs like 401(k)s to grow wealth effortlessly.

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Most people assume their employer is handling their retirement investments wisely. They're not looking at the details. They're not asking questions. And according to Michael Dillard, that one assumption could be costing them over $700,000 by the time they retire.

In this episode, Michael sits down with a real client and walks through her actual 401(k) statement live — and what they find is eye-opening. A fund earning just 1.6% sitting right next to one averaging 15.55% over 10 years. Bonds that lost value in 2022. And a default asset allocation her employer chose for her that she never questioned.

This is the conversation most financial advisors aren't having with you — and it could change the trajectory of your retirement.

🎙️ In this episode you'll learn:

• Why your employer's "default" investment fund may not be the best option for you
• The real difference between a bond and a growth fund — explained in plain English
• How to read your asset allocation statement and know what questions to ask
• Why a fund with no 10-year history is a red flag you should never ignore

If you've never looked at your asset allocation, this episode is your wake-up call.

🎁 Access the FREE SAVER Vault for tools and resources to help you stop living paycheck to paycheck: michaeldillard.org

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