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Finance Q&A: How much money would I need to never work again?

In this special Q&A episode of The Future of Finance Podcast, host and financial advisor Marissa Wood answers your most-asked personal finance questions — from how much car you can afford to the truth about Roth IRAs, student loans, and even that daily coffee habit ☕. If you've ever wondered: Should I max out my 401(k)? How expensive of a car can I afford? How much money would I need to NEVER work again? This episode is for you. These practical, real-world answers will help you take control of your money — whether you're just starting out, navigating student debt, or planning for a work-optional lifestyle. 💻 Work with Marissa: https://www.union-financial.com/ 📩 Got a question for a future episode? Send it through our site! ⏱️ Timestamps 00:00 – Intro: Listener-submitted financial questions 00:52 – What is a Roth IRA & why should you invest in one? 02:15 – What a Roth IRA can actually hold 03:09 – How expensive of a car can I afford? (The 15% Rule) 🚗 04:58 – Why you should shop your car insurance every year 05:17 – Should I max out my 401(k)? Pros & cons 06:17 – Why liquidity matters when investing 07:17 – One of the biggest mistakes: cashing out your 401(k) early 08:50 – The compounding cost of taking out retirement funds 09:33 – Another big mistake: waiting too long to invest 10:01 – How much do you need to retire at 35 with 4 kids in NJ? 11:43 – Explaining the 4% withdrawal rule 12:05 – The bare minimum number: $1.8 million 13:03 – Best ways to invest when you’re young 14:03 – Why consistency is key 🧾 15:12 – Why you should keep investing when markets are down 16:44 – Tax-free investing vehicles for young people 17:18 – Should I aggressively pay off student loans? 🎓 18:09 – Student loans = good debt? 19:16 – Why investing instead of accelerating payments might win 20:00 – How do financial advisors get paid? 21:44 – Understanding fees vs. commissions 22:30 – Wrap-up & how to submit questions for future episodes 📌 Hashtags #FinancePodcast #FinancialFreedom #RothIRA #401k #InvestingTips #StudentLoans #MoneyAdvice #QandA #PersonalFinance #FutureOfFinance #Budgeting #FinancialGoals #SmartSpending Hey friends! Welcome to The Future of Finance Podcast 💕✨ 💻 Let's Chat! 💖 Schedule a complimentary call with Marissa or Lisa: Union Financial Services https://calendly.com/mgreen-union-fin... 📩 Questions? Drop a comment below or email us at [email protected] 💡 Don’t forget to like, subscribe & hit the notification bell so you never miss an episode! Let’s make your retirement dreams a reality! 🎉 Socials: FB:   / unionfinancialservices   IG:   / unionfinancialservices   #financialfreedom #moneymoves #financialplanning #personalfinance #thefutureoffinancepodcast #podcastclips #budgetingtips