Money Unplugged with Chris Hill

From $28K Salary to $1M Net Worth: What I Got Wrong About Money (Andy Hill)

Mar 20, 2026
Andy Hill, host of Marriage, Kids and Money and author of Own Your Time, shares his journey from early frugality to a million-dollar net worth. He talks about buying a house at 22, early investing wins and flops, money conversations in marriage, the splurge after hitting $1M, and the simple investing move he wishes he'd made sooner.
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ANECDOTE

Mom Opened My First Savings Account

  • Andy's mom opened his first brick-and-mortar passbook savings account and taught frugality and saving.
  • That early encouragement led him to enjoy watching savings grow and later start investing in mutual funds in his teens.
ANECDOTE

Sold Candy Door To Door And Won A Bike

  • As a kid Andy sold candy for his youth football team and aggressively canvassed the neighborhood to win a bike.
  • He sold thousands of dollars of candy, won the bike, then repeated the fundraiser using his customer list and even received checks later.
ANECDOTE

Early Wins And Losses Shaped My Investing

  • In his teens Andy invested in mutual funds with his mom and rode tech stock gains, then later soured when markets fell.
  • He also bought individual IPO stocks like WWF and saw them plunge, which temporarily turned him off investing.
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