The Financial Freedom Faster Podcast

Turn your Health Savings Account (HSA) into a powerful long-term investment tool. In this episode, I explain how the wealthy use HSAs differently—investing the balance instead of spending it—so it can potentially grow into a $1M+ tax-advantaged account . You’ll learn the HSA loophole, why it has triple tax benefits, and a simple step-by-step strategy to maximize contributions, invest in ETFs, and build long-term wealth. ➡️ Apply for my 1:1 coaching program (If you have more than $100K+ sitting in a low-interest bank and want to invest): https://bit.ly/3OA98gY➡️ Join my FREE Beginner's Investing Class to reach your first $100K: https://bit.ly/3zUS9hI➡️ FREE $1M Investing Roadmaphttps://bit.ly/3W1ecec

➡️ Apply for my 1:1 mentorship program (If you have more than $100K+ sitting in a low-interest bank and want to invest): https://bit.ly/3OA98gY➡️ Join my FREE Beginner's Investing Class to reach your first $100K: https://bit.ly/3zUS9hI➡️ FREE $1M Investing Roadmaphttps://bit.ly/3W1ececMany new investors think owning 20 different ETFs means better diversification, but that’s often not the case. In this video, I explain why having too many ETFs can actually slow down your portfolio growth, increase fees, and create hidden overlap between funds.

➡️ Apply for my 1:1 mentorship program (If you have more than $100K+ sitting in a low-interest bank and want to invest): https://bit.ly/3OA98gY➡️ Join my FREE Beginner's Investing Class to reach your first $100K: https://bit.ly/3zUS9hI➡️ FREE $1M Investing Roadmaphttps://bit.ly/3W1ececEveryone talks about passive income like it’s instant freedom. In reality, building passive income takes time, consistency, and the right strategy. In this video, I break down 3 beginner-friendly passive income streams that I personally used to go from middle school math teacher to building long-term financial freedom.

➡️ Apply for my 1:1 mentorship program (If you have more than $100K+ sitting in a low-interest bank and want to invest): https://invest.calltoleap.com/org-paid-accelerator-booking-application➡️ Join my FREE Beginner's Investing Class to reach your first $100K: https://bit.ly/3zUS9hI➡️ FREE "Financial Freedom Faster" eBook & Money Cheat Sheet:https://bit.ly/3W1ecec Want to turn your long-term stocks into monthly income? In this episode, I break down how covered calls work, how you get paid upfront through option premiums, and how investors can potentially generate 1–5% per month in steady markets using stocks and ETFs like SPY or QQQ. I’ll also cover the risks, capital requirements (100 shares), and key lessons I’ve learned so you can decide if this income strategy fits your investing plan.

➡️ Apply for my 1:1 mentorship program (If you have more than $100K+ sitting in a low-interest bank and want to invest): https://bit.ly/3OA98gY➡️ Join my FREE Beginner's Investing Class to reach your first $100K: https://bit.ly/3zUS9hI➡️ FREE $1M Investing Roadmaphttps://bit.ly/3W1ececMost investors love ETFs because they’re simple and diversified. But one small mistake — especially early on — can quietly cost you $100,000+ over time.In this episode, I break down the biggest ETF mistake I made (high expense ratios), plus two others that often go hand in hand: chasing dividend yield and blindly trusting financial headlines. I’ll walk you through real examples and show you how small percentage differences can dramatically impact your long-term returns.

Want to build generational wealth and make sure your kids actually benefit from your money? In this episode, I break down a simple, step-by-step plan to grow long-term wealth using a Roth IRA, taxable brokerage account, ETFs, and smart beneficiary setup — even if you’re starting with just $50 per month. ➡️ Apply for my 1:1 mentorship program (If you have more than $100K+ sitting in a low-interest bank and want to invest): https://bit.ly/48XkN0M➡️ Join my FREE Beginner's Investing Class to reach your first $100K: https://bit.ly/3zUS9hI➡️ FREE "Financial Freedom Faster" eBook & Money Cheat Sheet:https://bit.ly/3W1ecec

The best investing strategy depends on your income. In this video, I break down exactly how to invest if you earn $25K, $60K, or $100K+ — including emergency funds, money market funds, Roth IRAs (2026 limits), ETFs, and taxable brokerage accounts. Investing isn’t one-size-fits-all, and the right move at $25K is very different from the right move at six figures. ➡️ Apply for my 1:1 mentorship program (If you have more than $100K+ sitting in a low-interest bank and want to invest): https://bit.ly/48XkN0M➡️ Join my FREE Beginner's Investing Class to reach your first $100K: https://bit.ly/3zUS9hI➡️ FREE "Financial Freedom Faster" eBook & Money Cheat Sheet:https://bit.ly/3W1ecec

➡️ Apply for my 1:1 mentorship program (If you have more than $100K+ sitting in a low-interest bank and want to invest): https://bit.ly/48XkN0M➡️ Join my FREE Beginner's Investing Class to reach your first $100K: https://bit.ly/3zUS9hI➡️ FREE "Financial Freedom Faster" eBook & Money Cheat Sheet:https://bit.ly/3W1ececIn this video0:47: Roth IRAs Explained4:34: Backdoor Roth IRA Strategy6:44: The Exact Steps To Open Your First Roth IRAA Roth IRA sounds complicated. It's not.In this video, I'll teach you..✓ How a Roth IRA actually works✓ The exact 4 steps to open one✓ What to invest in for growth✓ Income limits & backdoor strategiesEverything you need to get started.

I analyzed 100+ dividend ETFs so you don’t have to. In this video I break down the best (and worst) dividend ETFs for 2026 — focusing on reliability, growth, and real long-term wealth… not just flashy yields.You’ll see why some popular high-yield funds can quietly destroy portfolios, and which ETFs I’d actually trust for beginners building passive income. Links: Money cheat sheet: https://bit.ly/42ZddyI Beginners investing masterclass: https://bit.ly/44xS9lg

Sign up for my beginners investing masterclass: https://bit.ly/41tye4n Trying to pick the right tech stock can feel overwhelming, especially if you’re investing for the long term. That’s why tech ETFs exist. In this episode, I break down the best tech ETFs to consider in 2026, explain how they work in plain English, and compare popular options like QQQ, QQQM, VGT, VUG, and emerging-market tech ETFs—so you can invest without guessing. I also share the one tech ETF I personally invest in and would buy today, who it’s best for, and who should avoid it. If you’re focused on long-term growth, retirement, or reaching your first $100K, this walkthrough will help you choose a tech ETF that actually fits your goals.

Sign up for my beginners investing masterclass: https://bit.ly/44xS9lg If you’ve ever typed “S&P 500” into your app and thought, why are there so many of these? — you’re not alone. In this video, I walk through SPY, SPYM, VOO, IVV, and FXAIX so you can see what actually makes them different and which one makes the most sense for your first $1,000. In this episode, we’ll keep it simple and talk about the stuff that really matters — fees, share price, dividends, and how to choose a fund that fits how you want to invest long term.

➡️ Apply for my 1:1 mentorship program (If you have more than $100K+ sitting in a low-interest bank and want to invest): https://bit.ly/48XkN0M➡️ Join my FREE Beginner's Investing Class to reach your first $100K: https://bit.ly/3zUS9hIMost people track too many money numbers — and still feel stuck. Wealthy people keep it simple by focusing on just 4 key numbers that actually predict long-term wealth.In this episode, I break down exactly what to track so you can grow your net worth, build real financial security, and stop guessing with your money.

➡️ Apply for my 1:1 mentorship program (If you have more than $100K+ sitting in a low-interest bank and want to invest): https://bit.ly/48XkN0MIn this episode, I break down exactly how I’d invest a $100,000 lump sum step by step—without a financial advisor, high fees, or complicated strategies. You’ll learn how to use a brokerage account, Roth IRA, and taxable account, which ETFs I’d choose for growth and income, and how to invest confidently using dollar-cost averaging.

If you’ve ever felt overwhelmed by all the “best investment” advice online, this episode will calm the noise. Steve breaks down the only three types of investments you actually need to build real long-term wealth — the same framework he uses in his own portfolio.

➡️ Get my FAVORITE credit cards and get potential sign up bonuses with my link: https://bit.ly/3U5kM2b Overwhelmed by credit card comparisons? In this video, I break down a smarter, simpler way to choose the right credit card based on your actual goal, not flashy perks. Whether you want cashback, travel rewards, a business card, help paying down debt, or to build your credit from scratch, I’ll walk you through how to think about credit cards the right way and share the cards I personally use!

Sign up for my beginners investing master class here -> https://bit.ly/44xS9lg If I woke up in 2026 with no money and had to start investing from zero, this is exactly how I’d do it. In this episode, I break down the strategy I’d use to invest my first $1,200, the ETFs I’d pick, how I’d avoid my old mistakes, and the habits that actually build long-term wealth.

Sign up here: https://bit.ly/44xS9lg The middle class is shrinking — and even a $150,000 salary doesn’t go as far as it used to. In this episode, I break down why six-figure earners are still struggling in 2025 and what you can do to protect your finances and build real wealth. We’ll look at how the middle class changed since the 1970s, why the income ranges keep shifting, and the 4 actionable steps anyone can take to move up financially — no matter where you live or what you earn.

➡️ Join my FREE Beginner's Investing Master Class: https://bit.ly/3zUS9hI➡️ FREE "Financial Freedom Faster" eBook & Money Cheat Sheet:https://bit.ly/3W1ececIf budgeting has ever stressed you out or made you feel like you’re “bad with money,” this episode is going to feel like a breath of fresh air. I’m walking you through the ONE method that completely changed how I manage my money.I’ve used this approach for almost a decade, and honestly… it’s the reason I always end the month with extra money to save or invest.

Sign up for my FREE beginners investing class: https://bit.ly/44xS9lg Want to get paid just for investing? In this episode, I’ll talk about how to build a beginner-friendly dividend portfolio using 3 proven dividend ETFs—SPYD, VYM, and SCHD. You’ll learn how dividends work, how to research high-quality ETFs, and how much you’d need to earn $500/month in dividend income.

Join my free investing class: https://bit.ly/44xS9lg How much should you have saved in your 401(k) by each age? In this episode, I break down simple retirement savings goals — from your 20s to your 60s — and how to figure out your own target based on when you want to retire and the lifestyle you’re aiming for.