Freedom Fighter Podcast

The system isn’t rigged—but your mindset might be.

Ryan Miller and Tanner Sherman Episode 37

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In this episode, we’re breaking down what’s actually holding most people back from wealth, freedom, and flexibility in today’s economy. Spoiler: it’s not taxes, inflation, or lack of opportunity. It’s how we think.

We unpack the hidden psychology that keeps people stuck in the paycheck-to-paycheck cycle—even when they make decent money. We share practical ways to increase your savings rate, gamify your finances, and build the discipline to protect yourself from yourself. 

From side hustles and skills to smart investing and cash-flow moves, we map out the real path to financial freedom—without the fluff or false promises.

This isn’t theory. It’s what we’ve lived. And it’s what you can apply today.

📌 Key Topics:
✅ Why the economy feels rigged—and what to do about it
✅ How inflation erodes savings and how to fight back
✅ The mindset shift that separates workers from owners
✅ Why traditional education fails future entrepreneurs
✅ How to hide money from yourself (on purpose)
✅ Building skills in your free time to unlock opportunity
✅ Using your psychology as fuel—not friction
✅ Why gamifying your finances works
✅ From side gig to investor: the path to real freedom
✅ The #1 mistake that keeps most people broke

If you want more—you have to do more. Start where you are. Grow from there.

🎬 Chapters:
00:00 Mindset Shifts for Financial Freedom
03:59 The Importance of Saving and Investing
07:02 Understanding Inflation and Its Impact
09:54 Psychology of Money and Risk Management
12:57 Developing Skills for Financial Growth
15:52 Gamifying Savings and Investments
19:01 Learning from Investment Mistakes
22:02 Risk Tolerance and Smart Investing
24:47 Generational Wealth and Mindset Shifts
27:57 The Flaws of Traditional Education
30:54 Maximizing Free Time for Skill Development
33:50 Creating Multiple Income Streams
37:58 Transitioning from Employment to Entrepreneurship
40:43 Understanding the Rules of the Game
43:47 Investing and Financial Discipline
47:54 The Importance of Flexibility and Action
50:48 Doing More Than Average for Extraordinary Results

When you start to become the type of person who's putting money to the side to save for the rainy day or for the opportunity. When those things happen, you have the ability to capitalize on it. And so if it starts at 1%, 2%, 5%, whatever of your paycheck, and you can start doing those things. And maybe in the meantime, the way that you get out of that rat race of the trap is developing a skill. And that skill might take you two to three years. Maybe it's medical coding that you have to go to school for in your free time.

You know, and while you're building up that skill and opportunity comes up to buy a medical coding company. Well, I got this chunk of change because I've been putting this money aside and you can start to level up your life.

 So I think the starting point with that is where Dave Ramsey hits it on the nail on the head is live below your means. And I mean, at the simplest level, how, how is a business profitable? It spends less money than it makes.

Tanner, we're back at it again. So I wanted to take a second, talk about economy and seems to be a topic of late and everything going on in the world, tariffs, taxes, all that stuff. How do you feel about building wealth today and is the economy rigged? to prevent the average American from building wealth? 

Well, I think we can put our tin foil hats on and go down a huge rabbit hole of how the whole system is designed to keep you trapped in this nine to five work style work for till you're 65 and then retire and hopefully have enough to live off of before you die. And I mean, I've read a study recently that said that the number one concern of retirees is in this generation.

is outliving their retirement funds. And that's horrifying to think. Like we talk about how people are living longer and if you're 65 and you have $100,000 and you need to live for 30 something more years, I mean, that's $3 million.

 Most people don't have $3 million to retire on and that's just living off of the dividends or, you know, withdrawing that. So,If that's the case, then people starting with the end in mind, how are they building up enough wealth to live off of? And I feel like all the hype around the fire movement, know, financially independent, retire early and, you know, retiring at 30 years old and all that stuff. 

I think that most people don't take action because they feel like that's so far sighted. Like they'll never be that type of entrepreneur. I know I thought that way when I was in the army.