The advice most couples get about wealth building is backwards. Jaden S. Sterling breaks down the 3Ds that can change your financial future - decide, discipline, and delay gratification - and shows why the real path to freedom starts with behavior, not income. If you’re tired of feeling stuck between market volatility, lifestyle creep, and debt, this conversation gives you a clearer way forward. Michael Dillard opens up about real money decisions couples face right now, from moving retirement savings into an IRA to deciding whether to hold cash, buy dips, or wait for a better entry. Jaden responds with 40 years of investing experience and a blunt message: you don’t build wealth by spending more than you make, even if you’re a high earner.

BOOK COMPLIMENTARY CALL www.MichaelDillard.org

You'll discover:

• Why “lifestyle creep” quietly destroys even millionaires
• How to tell the difference between an asset and a liability in one simple question
• Why a 3% mortgage changes the payoff vs. invest debate
• How to think about credit cards, mortgage interest, and the trap of minimum payments
• Why delay gratification is a wealth skill, not just a budgeting tip

Jaden also shares how he thinks about real estate differently, including buying at absolute auctions, using cash strategically, and even leveraging a Roth IRA in a way most investors never consider. Then the conversation turns to stocks, where he makes the case for individual stock picking over mutual funds and explains why he prefers companies that still matter 3, 5, and 10 years from now.Michael pushes the discussion further with the questions couples are actually asking: Should you pay off the house early or invest? Should you buy index funds, individual stocks, or both? How do you keep greed from wiping out gains when a stock runs up? Jaden answers with practical, disciplined investing rules that are built for people who want to grow net worth without gambling on hype.If you’re a couple trying to align your money goals, an investor tired of guessing, or someone who wants a smarter framework for building generational wealth, this episode gives you the mindset and the tactics to start making cleaner financial decisions today.Michael Dillard hosts Savor Podcast, helping couples build generational wealth one penny, one dime, one dollar at a time.

Jaden S. Sterling is a longtime investor and founder of Sterling Stock Picker, where he combines stock education, values-based investing, and risk-based screening to help listeners make smarter decisions with their money.Perfect for anyone who wants to stop reacting to the market and start building wealth with intention. https://sterlingstockpicker.com/

Most couples think life insurance is only about “what if I die”—but what if your policy could put cash back in your pocket? 👀

Book complimentary call with Michael Dillard www.MichaelDillard.org

If you’re over 62, or you’ve had a policy for years, don’t cancel it before checking whether it has value.

A policy may sometimes be sold for cash. And a loan against it can affect what your family receives—so it pays to understand what you own before making a move.

Know your options. Protect your family. Don’t let money lie to you.

Have you ever heard of selling a life insurance policy? Share this with someone who should know.

Jack D. Davis

https://www.knowledgeiscash.com/

#LifeInsurance #FinancialLiteracy #CouplesWealth #GenerationalWealth #MoneyTalks

Could a small investment give you exposure to malls, outlet centers, and other properties? In this video, Michael Dillard discusses Simon Property Group, its dividend, and how investors can research a company before deciding whether it fits their goals.

Complimentary Personal Finance Call at www.MichaelDillard.org

Michael explains the basics of dividend income and potential price appreciation, using familiar examples like shopping for discounted shoes to make stock prices easier to understand. He also introduces index funds that track the S&P 500 and shows how the Rule of 72 can help estimate how long an investment might take to double.In this video, you’ll hear about:

• How real estate investment trusts (REITs) work
• What dividends are and how they may contribute to investment returns
• Why it’s important to review a company’s financials, price history, and the broader economy
• How an S&P 500 index fund offers exposure to many companies
• How the Rule of 72 estimates potential investment growth

Investing involves risk, and past performance doesn’t guarantee future results. Michael encourages viewers to do their own research; this video is for educational purposes and isn’t personalized investment advice.

💰 Most people work hard for their money but were never taught how to make their money work harder.

A difference of just a few percentage points in your long-term investment return can potentially mean hundreds of thousands of dollars over your lifetime.

For example, investing $500 per month for 35 years produces dramatically different outcomes depending on the return you earn. At approximately 6%, you could accumulate around $700,000. At 9%, the same monthly investment could grow to roughly $1.5 million.*

That's an approximately $800,000 difference without increasing the $500 monthly contribution.

In this video, I break down why financial literacy matters and the financial principles many of us were never taught, including:

💵 Making your income work for you

📈 Understanding your retirement and investments

💳 Managing debt strategically

🛡️ Protecting your income and family

👨‍👩‍👧 Teaching the next generation about money

Want to learn the 5 fundamental steps I teach for building a stronger financial foundation?

👉 Get the FREE Financial Literacy Lesson

You don't necessarily need more money. You need to understand what the money you already earn is doing.

Subscribe for more practical financial education and wealth-building strategies.

#FinancialLiteracy #PersonalFinance #Investing #Retirement #WealthBuilding #FinancialFreedom #MoneyManagement

*Examples are hypothetical illustrations and do not represent guaranteed investment returns or results.

Is gold becoming money again?

Central banks are buying it. Countries are stockpiling it. And some investors are looking beyond traditional stocks and bonds to gold as another way to diversify their wealth.

🎓 FREE PERSONAL FINANCE TRAINING:

Want to get better with your money? Watch Michael Dillard’s free personal finance training and learn the key numbers that can affect your ability to build wealth and retire with confidence.

👉 Watch free at MichaelDillard.org

In this episode of The SAVER Show, Michael Dillard sits down with Grayson Geiler, manager of the Gold Rush Yield Fund in Scottsdale, to explore how gold fits into today's financial system and whether it can do more than simply sit in a vault.

Grayson brings 25 years of market experience, including time on the commodity exchanges in Chicago. He explains how those experiences shaped his views of the financial system and his long-term interest in gold.

They also explore the concept of putting gold to work through strategies such as digitization and leasing, rather than treating it solely as a store of value.

You'll discover:

• Why some central banks have increased their gold reserves
• How global gold markets and pricing work
• Why gold plays a major role in countries such as India and Turkey
• How gold leasing works and the potential risks and returns
• The difference between owning physical gold, gold ETFs, and other gold-related strategies
• Where investors can buy gold and how much they may need to get started
• Tax considerations surrounding different forms of gold ownership
• How investors think about gold as part of a diversified portfolio

Michael and Grayson also tackle a bigger question:

Can gold be more than an inflation hedge or fear trade?

If you've wondered where gold belongs alongside stocks, retirement accounts, cash, and other investments, this conversation will give you a framework for thinking about it.

Subscribe to The SAVER Show for conversations about personal finance, investing, taxes, retirement, and building long-term wealth.

🎓 Get your FREE Personal Finance Training:

MichaelDillard.org

Making money is one thing. Keeping and protecting it is another.

In this episode of the SAVER Show, Michael Dillard sits down with Matthew Meredith to discuss how tax planning, estate planning, and asset protection can play an important role in building and preserving long-term wealth.

Matthew shares his journey from finance to law and explains how his experience in both worlds helps business owners and individuals think differently about their money.

In this conversation, you'll learn:

• Tax strategies that may help you keep more of what you earn

• Why estate planning isn't only for the wealthy

• How business owners can think about protecting their assets

• Financial mistakes that can become expensive later

• Why building wealth and protecting wealth require different strategies

• How tax, legal, and financial decisions can work together

• Steps to consider when creating a long-term wealth strategy

Whether you're a business owner, high-income professional, or simply trying to build a stronger financial future, this conversation will help you think beyond earning money to protecting what you're building.

🌐 Book Michael Dillard

Learn more from Michael Dillard: www.MichaelDillard.org

Mathew Meredith

https://meridianlg.com/about/

https://www.linkedin.com/in/matthewrmeredith/

Subscribe to the SAVER Show for conversations about personal finance, investing, debt, taxes, retirement, and building wealth.

Disclaimer: This conversation is for educational purposes and should not be considered individualized legal, tax, or financial advice.

Keywords: tax strategies, estate planning, asset protection, wealth building, tax planning, financial planning, business owner taxes, estate planning strategies, high income earners, protect your wealth, reduce taxes, generational wealth, personal finance, financial literacy

How do you teach kids about money before they learn expensive financial lessons the hard way?

In this episode of the SAVER Show, Michael Dillard sits down with Greg Young, author and founder of Money Mindset Academy, to discuss how parents can help their children develop a healthy relationship with money and build financial skills that can last a lifetime.

Greg Junge shares practical strategies families can use to teach kids about saving, spending, budgeting, and making smarter financial decisions. They also discuss how the lessons children learn about money at home can influence whether they struggle financially or build wealth as adults.

In this episode, you’ll learn:

• How to start teaching kids about money

• Why financial habits should begin early

• How parents influence a child’s money mindset

• Practical ways to teach saving and spending

• How families can work toward breaking the paycheck-to-paycheck cycle

• How to build financial resilience across generations

If you’re a parent who wants your children to understand money better than you did at their age, this conversation is for you.

Subscribe for more conversations about personal finance, building wealth, relationships and money, and financial literacy.

🌐 www.MichaelDillard.org

Greg: https://moneymindsetacademy.com

Keywords: financial literacy for kids, teaching kids about money, kids money education, money mindset, paycheck to paycheck, family finances, financial literacy for families, financial tips for parents, saving money for kids, generational wealth, personal finance, parenting and money

If you and your spouse fight about money every month, the problem may not be your budget. It may be how you communicate about money.

In this episode, personal finance coach Michael Dillard shares the exact budgeting system for couples that he and his wife use to stop money arguments, make better financial decisions, and build wealth together. Their system takes less than one hour a month.

You'll learn:

• How to budget as a couple without one person controlling the money

• Why Michael and his wife have a monthly money date

• How to use the 50/30/20 budget as a starting point

• How joint checking and savings accounts can simplify your finances

• Why each spouse should have money they can spend without explaining every purchase

• The simple $300 rule Michael and his wife use for larger purchases

• How to discuss major decisions like buying a car, paying off the mortgage, investing in the S&P 500, and preparing for retirement

• Three questions to ask during your next money date

The goal isn't to create the perfect budget.

It's to create a system that helps both spouses understand where the money is going, what they're working toward, and how they're going to build wealth together.

If you're married or engaged and want to reduce money stress, get out of debt, save more, invest, and build a stronger financial future together, this episode is for you.

Want help making better money decisions together?

Visit www.MichaelDillard.org to learn about Michael's upcoming free couples webinar, SAVER resources, and personal finance coaching.

Michael Dillard is a personal finance coach and creator of the SAVER™ Framework, helping couples stop fighting about money and start building wealth together.

Topics: budgeting for couples, how to budget as a couple, couples finances, money management, marriage and money, money date, 50/30/20 budget, financial communication, getting out of debt, retirement planning, investing for couples, wealth building