Most people never track their finances, and it keeps them stuck hoping and worrying.

In this episode, Dan talks with actuary and real estate investor Jack Allweil about how tracking your net worth and cash flow transforms behavior, accelerates financial independence, and brings clarity to your financial life. Jack shares how losing his job at age 27 became the turning point that led him to build freedom through data-driven decision-making, real estate, and intentional planning. Listen to learn how to use data in your plan to better achieve your goals.

Key Talking Points

• Jack’s story of transformation after job loss
• Why tracking drives better financial decisions
• How to build a personal balance sheet that creates clarity
• How tracking guides investing, real estate, and passive income choices
• The first steps anyone can take to start tracking and improving their financial life

Escape The Clock Resources

• The Book: www.escapetheclock.com/book
• The Tools: www.escapetheclock.com/toolkit
• Help: www.escapetheclock.com/schedule
• Free Weekly Insights: www.escapetheclock.com/subscribe

Episode Sources

• Tracking increases savings rates by 15 to 20 percent: Morningstar (2023) - https://www.morningstar.com/content/dam/marketing/shared/research/foundational/802866-SaveMoreToday.pdf
• Only 32 percent of Americans calculate net worth annually: Charles Schwab Modern Wealth Survey (2024) - https://content.schwab.com/web/retail/public/about-schwab/schwab_modern_wealth_survey_2024_findings.pdf
• Tracking increases goal achievement by 42 percent: Psychological Science (2015) - https://www.apa.org/news/press/releases/2015/10/progress-goals

Connect with Jack

• Website: www.fired-to-fire.com
• YouTube: https://youtube.com/@jackallweil
• Book: Make Better Bets - https://amzn.to/4nHfms3
• LinkedIn: https://linkedin.com/in/jack-allweil-fsa-3b1a3318/
• Social: https://x.com/Jack_Allweil

Support the Podcast

• Subscribe and follow on your favorite platform
• Leave a rating & review
• Share this episode with others
• Support me by picking up the book for yourself or a loved one at escapetheclock.com/book

Thank you for listening!

This information is for educational purposes only and is not financial advice. Consult a qualified professional for personalized guidance.

In this end-of-year special, Daniel C. Rodgers looks back at the transformative lessons of 2025, big learnings, and what to expect going into the year ahead.

Tune into this special episode to celebrate a crazy year and learn new ways you might start 2026 off in a strong way.

Key Talking Points

• Big milestones from a year of Escape The Clock
• A recap of the big FI events that shaped 2025.
• Dan's five learnings from 2025.
• Predictions and things to watch for in 2026.

Escape The Clock Resources

• The Book: www.escapetheclock.com/book
• The Planner: www.escapetheclock.com/toolkit
• 1:1 Help: www.escapetheclock.com/schedule
• Other Resources: www.escapetheclock.com/resources
• Free Weekly Newsletter: www.escapetheclock.com/subscribe

Support the podcast

• Subscribe, follow, and leave a review where you listen
• Share this episode with someone who would benefit
• Visit EscapeTheClock.com to get the book, subscribe, or more episodes.

This information is for educational purposes only and not financial advice. Consult a qualified professional for personalized guidance.

The most dangerous number in personal finance is "one," yet most of us are never taught how to build a second source of stability.

Most people know they need more than one income stream to reach financial freedom, but very few know where to start. Today’s episode explores one of the most overlooked and misunderstood paths to income diversification: franchising. Adam Goldman, Franchise expert and coach, joins Daniel to break down what makes franchising work, where beginners get it wrong, and how to evaluate opportunities in a way that aligns with your time, goals, and risk tolerance.

Key Talking Points

• Why a single income source is not enough in today’s economy
• What franchising actually is and why it remains a proven business model
• Beginner friendly insights on choosing the right franchise
• Red flags to avoid when evaluating franchise opportunities
• How franchising can fit into a financial freedom plan

Escape The Clock Resources

• The Book: www.escapetheclock.com/book
• The Planner: www.escapetheclock.com/planner
• 1:1 Help: www.escapetheclock.com/schedule
• Other Resources: www.escapetheclock.com/resources
• Free Weekly Newsletter: www.escapetheclock.com/subscribe

Episode References & Resources

• Average millionaire has seven income streams – Ramsey Solutions (2025)
• Sixty two percent of Americans want a second income stream – Bankrate (2025)
• Franchise success and failure trends – International Franchise Association (2025)
• The "Seven Streams" of income used by the wealthy – Robert Allen, Multiple Streams of Income (2000)
• 65% of self-made millionaires have at least three streams of income – Tom Corley, Rich Habits Study (2009/2013)

Connect with Adam

• Website: https://www.franchisecoach.net
• Book: The Franchisee Lifestyle: Your Future as a Franchisee is Better Than You Think
• LinkedIn: https://www.linkedin.com/in/adamgoldman

Support the podcast

• Subscribe, follow, and leave a review where you listen
• Share this episode with someone who would benefit
• Visit EscapeTheClock.com to get the book, subscribe, or more episodes.

This information is for educational purposes only and not financial advice. Consult a qualified professional for personalized guidance.

Many people in their 40s, 50s, and 60s feel behind on retirement, but the real problem is not just the numbers. It is the uncertainty.

In this episode, financial planner and author of PopEnomics Jesse Hurst explains how pop culture, practical planning, and a shift in mindset can help anyone build a more confident path forward, even if they feel like they started late.

Key Talking Points

• Why so many people feel behind on retirement
• How news and media leads people to make financial mistakes
• The power of pop culture when it comes to relating with the moment
• How to move from fear and guessing to clarity and action
• Creating a catch-up plan that actually works in the real world

Escape The Clock Resources

• The Book: https://escapetheclock.com/book
• The Planner: https://escapetheclock.com/toolkit
• 1:1 Help: https://escapetheclock.com/schedule
• Free Weekly Insights: https://escapetheclock.com/subscribe

Episode References & Resources

• One in three people over fifty have less than twenty-five thousand saved – Northwestern Mutual (2024)
• Sixty-one percent of workers over forty-five say they are behind on savings – Fidelity (2024)
• One in three retirees underspend by more than twenty percent – Morningstar (2023)
• Seventy percent say headlines hurt their financial confidence – Allianz Life (2024)

Connect with Jesse

• Website: https://impelwealth.com
• LinkedIn: https://linkedin.com/in/jessehurstcfp
• YouTube: https://youtube.com/@ImpelWealth

Support the podcast

• Subscribe, follow, and leave a review where you listen
• Share this episode with someone who would benefit
• Visit EscapeTheClock.com to get the book, subscribe, or more episodes.

This information is for educational purposes only and not financial advice. Consult a qualified professional for personalized guidance.

Budgets often fail because they treat money as a math problem, not an emotional one. If your plan ignores your personality, it’s like forcing a square peg into a round hole.

In this episode, CFP Linda Grizely joins Dan to introduce the "MeMoney Method"—a strategy to stop the cycle of shame. Instead of viewing a budget as a cage that says "no," Linda explains how to use it as a permission slip that says "yes." They discuss the five money archetypes, why "Savers" struggle to spend, and how "Spenders" can build freedom through boundaries.

If you dread checking your bank account, this conversation offers the psychological shift you need to spend without regret.

Key Talking Points:

• Why traditional budgeting fails by ignoring the "person"
• The 5 Money Personalities: Spender, Saver, Avoider, Security Seeker, Risk Taker
• The MeMoney Method: Creating a guilt-free spending allowance
• Changing the "emotional weight" of spending with physical cash
• Safe ways to teach children about money
• Overcoming the scarcity mindset during the holidays

Escape The Clock Resources:

• Book: escapetheclock.com/book
• Planner: escapetheclock.com/planner
• 1:1 Help: escapetheclock.com/schedule
• Newsletter: escapetheclock.com/subscribe

Episode References & Resources:

• 61% say budgeting feels emotionally draining – Forbes Advisor (2025)
• 90% acknowledge finances cause emotional stress – NEFE (2024)
• 44% of budgets fail within 60 days – You Need A Budget (2024)
• 72% say stress causes poor financial decisions – APA (2024)

Connect with Linda:

• Website: lindagriz.com
• Podcast: Real Money, Real Life
• Money Personality Quiz: bit.ly/MonPersQuiz
• YouTube: @LindaGrizely

Support the podcast:

• Subscribe and leave a review
• Share this episode with someone who would benefit
• Join the Free Escape Insights Newsletter at escapetheclock.com/subscribe

Thank you for listening. This podcast is for education only and is not financial advice.

Money shapes children long before they understand it. Kids absorb financial messages through emotion, behavior, and family culture, often forming beliefs by age seven that follow them into adulthood.

In this episode, Dr. Nicholas Michels joins Dan to explore how children learn about money, why parents often feel unprepared to teach it, and how small, intentional choices can break generational patterns. Together they discuss practical tools for building financial confidence in kids, the psychological roots of money habits, and how to pass down values that last longer than wealth.

If you want to raise kids who understand money, make confident choices, and grow into financially free adults, this conversation will give you the perspective and tools to start today.

Key Talking Points:

• Why kids learn about money emotionally first
• How childhood tension shapes adult behavior
• Modeling openness vs. secrecy
• Practical tools: allowances, games, and real decisions

Escape The Clock Resources:

• Book: escapetheclock.com/book
• Planner: escapetheclock.com/planner
• 1:1 Help: escapetheclock.com/schedule
• Newsletter: escapetheclock.com/subscribe

Episode References & Resources:

• Foundational money habits are often formed by age seven – University of Cambridge (2013)
• Only 23 percent of kids say they talk to their parents frequently about money – NFEC (2024)
• Around 70 percent of wealthy families lose their wealth by the second generation and 90 percent by the third – Williams Group (2025)

Connect with Dr. Nicholas:

• Website: https://www.drnickmichels.com
• LinkedIn: https://www.linkedin.com/in/nicholas-michels-phd
• Instagram: @coachdrnick

Support the podcast:

• Subscribe and leave a review
• Share this episode with someone who would benefit
• Join the Free Escape Insights Newsletter at escapetheclock.com/subscribe

Thank you for listening. This podcast is for education only and is not financial advice.

Debt shapes the way people think, behave, and relate to one another. Many carry the weight of financial stress, shame, and fear in silence, even while presenting a stable and successful exterior.

In this episode, Scott Maderer of Inspired Stewardship joins Dan to share his personal journey from hidden debt and overwhelm to honesty, clarity, and long-term financial freedom. Together, they explore why debt so often becomes a secret, how financial stress impacts relationships, and why true change comes from behavior and consistency rather than perfect budgeting.

Key Talking Points:

• How debt quietly reshapes behavior, relationships, and daily decisions
• Why consumer culture and rising costs trap many households
• Why your debt plan does not need to be perfect to work
• How tools like the debt snowball rebuild confidence and momentum
• The difference between getting out of debt and staying debt-free

Escape The Clock Resources:

• The Book: www.escapetheclock.com/book
• The Planner: www.escapetheclock.com/planner
• 1:1 Help: www.escapetheclock.com/schedule
• Free Weekly Newsletter: www.escapetheclock.com/subscribe

Episode References/Resources:

• Average U.S. household debt exceeds $104,000 – Federal Reserve (2025)
• 43 percent of marriages cite money stress – Ramsey Solutions (2023)
• Written debt plans increase payoff success by 60 percent – Fidelity (2024)
• 80 percent of debt payoff attempts relapse within 18 months – Credit Counseling Society (2023)

Connect with Scott:

• Website: https://inspiredstewardship.com/escape
• Podcast: https://inspiredstewardship.com/podcast

Support the podcast:

• Join the newsletter at www.escapetheclock.com/subscribe
• Subscribe and leave a review
• Share this episode
• Send your thoughts to contact@escapetheclock.com

This information is for educational purposes only and not financial advice. Consult a qualified professional for personalized guidance.

Burnout is rising, and many high achievers stay stuck even when they're financially free.

Hidden expectations, identity pressures, and fear keep them locked into the golden handcuffs.

In this episode, financial planner and author Chris Pollard joins Dan to break down why high achievers stay stuck in the golden handcuffs and why financial independence alone doesn’t create emotional freedom. They explore how identity, expectations from work and family, early money narratives, and hidden fears all tighten into life knots that hold people back from change. Chris explains how to recognize these knots, where they come from, and how defining “enough” through purpose, community, and clarity can help people finally move toward a life of intention instead of obligation.

Key Talking Points:

• Why burnout is rising and how invisible expectations fuel it
• How money becomes tied to identity and keeps people stuck
• What life knots are and how they limit freedom
• How to define enough and build a purpose-centered vision
• Why clarity, community, and honest conversations matter

Escape The Clock Resources:

• The Book: www.escapetheclock.com/book
• The Planner: www.escapetheclock.com/planner
• 1:1 Help: www.escapetheclock.com/schedule
• Other Resources: www.escapetheclock.com/resources
• Free Weekly Newsletter: https://bit.ly/etc-news

Episode References/Resources:

• 77 percent of workers report experiencing burnout – Zippia (2024)
• Nearly half of professionals feel stuck due to financial pressure – Gallup Workplace (2024)
• Most Americans lack a clear definition of financial enough – Edward Jones & Age Wave (2023)

Connect with Chris:

• Website: greatpathplanning.com
• Book: Untangling the Golden Knot: Confronting Your Retirement Worries and Knowing When Enough is Enough
• Email: chris@greatpathplanning.com

Support the podcast:

• Subscribe/Follow on your favorite platform
• Leave a rating & review
• Share this episode with others
• Support me by picking up the book atwww.escapetheclock.com/book

This information is for educational purposes only and not financial advice. Consult a qualified professional for personalized guidance.