Multiple Perspectives
Why Working Less Can Build More Wealth with Andy Hill, Founder of Marriage, Kids and Money
August 21, 2025
In this episode of Multiple Perspectives, host David Lofgren is joined by Andy Hill, Founder of Marriage, Kids and Money, to discuss how families can achieve financial independence while prioritizing time together. They explore the "Coast FIRE" strategy, why the traditional 40-year corporate grind might not be the only path to wealth, and how to use money as a tool to buy back precious family time rather than just accumulating assets.
In this episode of Multiple Perspectives, host David Lofgren is joined by Andy Hill, Founder of Marriage, Kids and Money, to discuss how families can achieve financial independence while prioritizing time together. They explore the "Coast FIRE" strategy, why the traditional 40-year corporate grind might not be the only path to wealth, and how to use money as a tool to buy back precious family time rather than just accumulating assets.

What You'll Learn:


Andy Hill is the Founder of Marriage, Kids and Money, a financial education company focused on helping families achieve time freedom. After experiencing corporate burnout while raising young children, Andy created content to document his family's journey from negative $50,000 net worth to over $1 million while building a lifestyle that prioritizes family time. Through his podcast, YouTube channel, and educational content, Andy helps families use intentional financial strategies to buy back time and create lives aligned with their values rather than just their bank accounts.

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Episode Highlights:

Andy Hill reveals why he believes the traditional American ideal of working hard for 40 years until retirement is fundamentally flawed. High-earning professionals often fall into the trap of delayed gratification, betting their happiness on the final 13 years of life after retirement at 65. This approach ignores that physical capabilities and health may be diminished by then, and places too much emphasis on a future that isn't guaranteed. Andy advocates for paying attention to money management early to buy back time in your 30s and 40s when you can fully enjoy it with family and maintain better health.

Andy explains his intentional approach to building a "solopreneur" business that serves his life rather than consuming it. After transitioning from corporate America, he deliberately keeps his business small enough to generate the income needed for his family's comfort while preserving time for what matters most. His "glass jar" metaphor illustrates how he filled his life with the important rocks first—family, health, friendships, and time with aging parents—leaving only 20-25 hours per week for work. This approach demonstrates how redefining success can create a more fulfilling and sustainable lifestyle.


Andy shares his philosophy that generational wealth is better transmitted through teaching and modeling than simply leaving money to children. He references studies showing that inherited wealth typically fades by 70% after three generations because recipients lack the knowledge and motivation to preserve what they didn't earn. For his own children, Andy focuses on demonstrating a diversified approach to life success that includes strong relationships, health, and financial literacy. He emphasizes that putting all energy into one corporate job creates vulnerability, as companies can eliminate positions regardless of employee dedication and sacrifice.

Episode Resources: