(#69) Your 401k Shouldn't Become a 201k - Let's Fix That with Mike Milligan

Squad, we are talking about money today. Your money. Your next chapter. Your plan. And I brought in the guy who makes this stuff actually make sense — without the intimidation, without the jargon, and without making you feel behind. This conversation is going to fire you up in ways you did not expect from a money episode.

Meet Mike Milligan: He's a certified financial planner, fiduciary, founder of Ideas by Mike and One Oak Financial, and author of The One-of-a-Kind Financial Plan. Mike has spent 30 years helping people turn financial chaos into a real plan — and he lives in Puerto Rico because taxes are THAT big of a deal to him. Yeah. He's that good. 💸

🎉 This episode is brought to you by Cozy Earth. Squad, our friends at Cozy Earth are hooking you up — use code MELIS at cozyearth.com for up to 30% off now through June 1st. And make sure to mention Now What?! in the post-purchase survey so they know we sent you. 😌

🔥 IN THIS EPISODE WE GET INTO:

💸 Why money is just a tool — and how shifting that mindset changes everything about how you earn, save and spend

🏠 The $10,000 gift that could give your kids $500,000 in equity — and why giving money NOW beats leaving an inheritance later

🧾 The Augusta, Georgia tax hack that lets you rent your home tax-free — and yes, it applies to YOU too

😴 The "sleep meter" approach to financial risk — and why there's no one-size-fits-all answer for midlife investing

📖 Why your first memory of money is running your financial life right now — and what to do about it

💥 PLOT TWIST TAKEAWAY

Your financial plan shouldn't be built around a spreadsheet. It should be built around your life — your why, your goals, your laundry preferences. 😄 It's never too late to get this right. And the cost of NOT having a plan is always higher than the cost of getting one.

Because midlife isn't a crisis — it's a plot twist.