Episode 470- Why Doing Nothing Is the Most Expensive Decision You'll Ever Make with Amanda Holden

Mar 18, 2026

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In this episode, I'm joined by Amanda Holden, who has built a powerful platform making investing feel truly accessible. She's now bringing that same approach to her new book, How to Be a Rich Old Lady.

We dive into what it really takes to build wealth, why so many people get stuck before they even get started, and how investing isn't about being perfect, it's about taking action.

Here's what we discuss:

What financial independence really looks like beyond a number and how it gives you the freedom to choose how you live and work + more
Why choosing between a 401(k) and a Roth IRA matters less than actually getting started and investing consistently
How to think about investing while in debt and when to prioritize paying it off vs. building wealth
The mindset shift needed to start investing even if you feel late or unsure, and why doing nothing guarantees staying stuck

What's New in the Paperback Edition of Your Journey to Financial Freedom:

A bonus chapter: When Life Happens: Staying on the Path to Financial Freedom Through Setbacks, Shifts, and Uncertainty
A book club and discussion guide with prompts, exercises, and action steps
Updated corrections from the original hardcover
Exclusive bonuses when you purchase the paperback, including:
- The Fire Starter Course
- The Find Your FIRE Number Worksheet

Other related blog posts/links mentioned in this episode:

Check out Amanda's book, How to be a Rich Old Lady
Listen to Episode 280: Saving $30k To Quit Corporate America & Pivot To Teaching Women How To Invest With Amanda Holden
Get your paperback edition of Your Journey To Financial Freedom if you haven't already.
Apply to Share Your Journeyer Story, here.
Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here!
Join The Weekly Newsletter List to get updates, deals & more!
Leave Your Journey To Financial Freedom a review!
Get The Budget Bootcamp
Check out my personal website here.
Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!
YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link.
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