Are You a Wealth Builder Or Buster? (Answer These 7 Questions)

📊 The 2026 Financial Mutant Survey is officially open! Tell us how you earn, save, invest, and make financial decisions so we can learn more about the Financial Mutant community and build even better content: https://moneyguy.com/survey/

Are you actually building wealth, or are your money habits quietly holding you back? Inspired by the traits in The Millionaire Next Door, Brian and Bo break down 7 habits of wealth builders and everyday millionaires—from living below your means and investing intentionally to avoiding lifestyle inflation, raising financially independent kids, and choosing a career that creates opportunity. Learn how disciplined saving, investing, budgeting, financial independence, and smart money decisions can shape your long-term net worth. If you’ve wondered how millionaires build wealth, what wealthy people do differently, or whether you’re on the path to financial freedom, these seven questions can help you evaluate your progress.

Timestamps
00:00:00 Are You a Wealth Builder or a Buster?
00:01:23 Do You Live Below Your Means?
00:03:06 Are You Maximizing Your Time, Money & Discipline?
00:04:21 Do You Value Financial Freedom Over Status?
00:06:34 Are You Building Wealth Without Parental Support?
00:08:02 Are You Raising Financially Independent Kids?
00:10:04 Are You Good at Identifying Market Opportunities?
00:10:56 Did You Choose the Right Career to Build Wealth?
00:17:42 How Do You Prevent Lifestyle Creep as Your Family Grows?
00:20:49 What Happens to Your HSA After Death?
00:25:28 Why Aren’t More People Building Wealth?
00:30:26 Pay Off a 7.5% HELOC or Fund a Roth IRA?
00:33:29 Should You Take a Pay Cut for a More Fulfilling Career?
00:36:45 Rapid Fire: Your Money Questions Answered
00:44:23 It Does Depend: Revisiting the Rapid Fire Questions
00:55:22 How Much Can You Spend on Travel & Experiences?
00:57:54 Final Thoughts & Financial Mutant Survey

🔗 Financial Order of Operations → https://moneyguy.com/guide/foo/
🔗 Are You a Prodigious Accumulator of Wealth? → https://moneyguy.com/resource/are-you-a-prodigious-accumulator-of-wealth/
🔗 Inside the Life of a Money Guy Millionaire → https://moneyguy.com/resource/inside-the-life-of-a-money-guy-millionaire/
🔗 Ultimate Guide to Mastering Your Money Mindset → https://moneyguy.com/guide/money-mindset/
🔗 Ultimate Guide to Investing → https://moneyguy.com/guide/investing/

🎓 Brian Preston (CFP®, CPA) and Bo Hanson (CFA®, CFP®) share professional insights to help you own your financial future.

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