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by Julian Mercer
Money Hungry: Capital and Counsel is a practical, conversational podcast for high-income professionals and business owners focused on wealth building, retirement planning, and financial independence. Each episode simplifies complex investment strategy, tax-efficient planning, and market uncertainty into clear, actionable insights. If you’re successful, driven, and money hungry for smarter financial decisions, this show delivers expert guidance without hype—just disciplined strategy and long-term thinking.
Latest Episodes
The most recent episodes — sign up to get AI-powered summaries of each one.
- Aug 17, 202610 min
Two Incomes One Plan
In nearly half of married households, both spouses work, and this episode is about what happens the moment two incomes get combined on paper. We unpack how tax thresholds for the top bracket, the investment income surtax, and the Medicare surtax don't simply double for couples, pushing dual-income pairs into extra tax faster than they'd expect. We also cover the planning tools, like spousal Social Security benefits, spousal IRAs, and gift splitting, that only exist once you're coordinating as a household. And the research on money and marriage delivers a surprising verdict: couples who merge finances tend to fare better, not worse, than those who keep things separate.
- Aug 11, 202611 min
The Equity Compensation Blind Spot
RSUs and stock options often make up the single largest slice of a high earner's net worth, and this episode breaks down the tax surprises that come with them. We explain why the standard withholding on vesting shares almost never covers what you'll actually owe, and why ISOs can trigger real tax bills before you've sold a single share. From there we cover why "just holding" concentrated company stock isn't the safe move it feels like, according to both the SEC and FINRA. Finally, we walk through the underused tools, like NUA elections and 10b5-1 plans, that actually manage the risk instead of ignoring it.
- Aug 4, 202610 min
Estate Planning Isn't for the Elderly
Only about a third of Americans have a will, and this episode explains why that's most dangerous for the people who assume they have time: young parents and high earners. We look at why your will doesn't actually control everything, since retirement accounts and life insurance follow whatever beneficiary form you filled out years ago, not your estate documents. A landmark Supreme Court case shows just how rigidly those forms get enforced, even when a divorce decree says otherwise. With trillions in wealth about to change hands and new rules compressing how fast heirs must draw down inherited accounts, this is the ten-minute check most high earners keep putting off.
- Jul 28, 202610 min
The Raise Trap
Nearly half of six-figure earners still live paycheck to paycheck, and this episode explains why. We dig into the "raise trap," the mechanical reason spending rises in lockstep with income, leaving even top earners with nothing saved. Along the way, we look at why windfalls, from NFL contracts to lottery jackpots, rarely change the outcome without a plan. The fix isn't earning less; it's deciding where the next dollar goes before your lifestyle gets a vote.
- Jul 14, 20268 min
From Income to Wealth: The Transition Most High Earners Never Plan For
There's a gap between the top 1% of income earners and the top 1% of wealth holders — and it's wider than most people expect. This episode explores why high earners so frequently fail to convert income into lasting wealth, from lifestyle inflation and a late start to tax drag and the absence of an intentional savings strategy. You'll learn how the wealthiest Americans actually save, what the real retirement number looks like, and the specific decisions that separate people who earn well from those who build something that lasts.
- Jul 7, 202610 min
The 5 Biggest Financial Mistakes High-Income Professionals Make
Earning a high income doesn't automatically produce financial security — and the data confirms it. This episode identifies the five most common financial mistakes made by doctors, lawyers, and other high-income professionals: overconfidence in financial decision-making, a delayed start due to debt and long training programs, lifestyle inflation that absorbs every raise, exposure to the wrong financial products, and chronically underinsuring the income that funds everything else. These mistakes are common, understandable, and correctable — but only once you can see them clearly.
- Jun 30, 20269 min
Moving Your Money: Why It Feels Risky and How to Do It the Right Way
Changing financial advisors is one of the most common decisions high earners delay — not because the process is complicated, but because it feels that way. This episode demystifies the ACATS transfer system, which moves most account assets in three to four business days, and addresses the psychological barriers — fear of confrontation, loss aversion, inertia — that keep people in professional relationships that no longer serve them. If you've been thinking about making a change, this is the episode that tells you exactly what to expect.
- Jun 23, 20268 min
Do You Really Know What You're Paying in Fees?
Most investors can name their advisory fee. Almost none can state their all-in annual cost — and the difference can amount to hundreds of thousands of dollars over a career. This episode breaks down the three layers of investment costs: the advisor's fee, the underlying fund expenses, and platform charges that rarely appear as a line item. You'll learn how to calculate your true total cost, what questions to ask your advisor, and how to evaluate whether what you're paying is commensurate with what you're receiving.
About Money Hungry
Money Hungry: Capital and Counsel is a practical, conversational podcast for high-income professionals and business owners focused on wealth building, retirement planning, and financial independence. Each episode simplifies complex investment strategy, tax-efficient planning, and market uncertainty into clear, actionable insights. If you’re successful, driven, and money hungry for smarter financial decisions, this show delivers expert guidance without hype—just disciplined strategy and long-term thinking.
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