Extreme Personal Finance Show

Financial Independence Mindset: Escaping the Monday Grind with Angie Callen | 101

• Chris Luger

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Money, Mindset, and No More Mondays: A Conversation with Angie Callen


What does financial independence actually look like when you didn't start at 22 with a perfect plan? For a lot of us, the path to freedom started later, got derailed a few times, and looked nothing like the textbook version. That's exactly what made this conversation worth sharing.


This week is a rebroadcast of my recent appearance on the No More Mondays Podcast with host Angie Callen. Her show is built around the belief that humans still matter, mediocrity is expensive, and ownership changes your outcomes. Pretty much the Heavy Metal Money mission in different font. We vibed immediately, and honestly, we were having so much fun before she even hit record that she almost forgot to start taping.


What we covered:

  • What financial independence actually means outside the textbook definition, and why it comes down to time, not a magic number
  • The late bloomer perspective, and why starting at 38 or 39 is not too late to reach FI in 10 years
  • Needs vs. wants, and how getting intentional about the difference changes everything
  • Why tracking your spending is the single most important first move you can make
  • The FILE movement (Financial Independence, Live Early) and why it might resonate more than traditional FIRE
  • Knowing your "why" and why it's the thing that keeps you going when the hard months show up


And yes, I also talked about spending $2,300 on Metallica tickets at the Sphere. Financial freedom isn't about never spending money. It's about spending it intentionally on the things that actually matter to you.

Go check out Angie's show, No More Mondays, wherever you listen to podcasts. She's the real deal.


Contact Chris:

https://heavymetal.money

https://www.facebook.com/MoneyHeavyMetal

https://x.com/MoneyHeavyMetal

https://www.instagram.com/chrisluger

https://www.tiktok.com/@heavymetalmoney

email: chris at heavymetal.money


Connect with Angie
https://www.linkedin.com/in/angiecallen/


Resources and People Mentioned:


Contact Chris:
https://heavymetal.money

https://www.instagram.com/heavy_metal_money/

https://www.youtube.com/@heavymetalmoney

https://www.facebook.com/chrisluger

email: chris at heavymetal.money

SPEAKER_00

All right. Hey, what's up everyone? Welcome back to the Extreme Personal Finance Show. My name is Chris here with Heavy Metal Money, and I'm pumped for this week's episode. We're gonna do something a little bit different here. I had the chance to sit down with Angie Callan over on her show, the No More Mondays podcast, and we were just having so much fun. So Angie's show was built around the idea that humans still matter and that ownership really changes everything. And I thought you'd really get a kick out of our conversation. Um when she reached out, you know, we we talked about money, we talked about mindset, and really building a life that gives you options. And obviously, I was I was all in. And we covered a lot of ground on this episode. We talked about financial independence, we talked about being a late bloomer, we talked about something I call the file movement, and then needs versus wants. It all depends on your perspective, right? Um, and the why we do everything and why that's really important. We even dropped um how much money I spent on those Metallica tickets at the sphere. But uh, this is a rebroadcast of that conversation. I think you're really gonna enjoy it. Angie brings a fine ta uh just a fantastic energy and perspective to the conversation. Go check out her show, No More Mondays, wherever you listen to your podcasts, or on YouTube and on LinkedIn. She does uh LinkedIn live on Mondays. Go ahead and give her a follow. She is absolutely the real deal. All right, let's go ahead and get into it. Let's turn this up to 11 on this episode of the Extreme Personal Finance Show.

SPEAKER_01

This is the No More Mondays podcast, a show where we believe that humans still matter, mediocrity is expensive, and ownership changes your outcomes. I am your host, Angie Callan, and today we are talking about something that impacts all of us, but not in the way we think money. It can mean choices, it can mean freedom. And today we're going to dig into what it really takes to build a life that gives you options. I would like to welcome my friend Chris Luger, the voice behind heavy metal money, who is here, which is why we were having fun rocking out to my little uh, you know, rock intro music there. Um Chris is a once uh systems engineer, which should tell you why we get along. Former engineers, yay, unite, who are systems thinker, who turned real estate investor, nonprofit founder, and content creator. And he built his own path towards financial independence, not from a perfect starting point, but during real life. He came into this world later than most, navigating some life changes like divorce, raising teenagers, figuring things out along the way. I'm a big fan of that. And that's why his perspective on this whole like money is freedom and how to save for the future is really, really relatable. And I love, Chris, your very human, grounded take in a space that can honestly feel a little dry, a little rigid, a little overly optimized, and a little shooting all over yourself if you're not there at age 45, right? So no smooth jazz here today, just heavy metal money and a few mindset shifts that will get you rethinking your relationship with finances. Chris, welcome to No More Mondays.

SPEAKER_00

Yeah, well, thanks for having me. This will be fun. And uh yeah, I'm definitely one where uh let's go ahead and turn the volume up on freedom, on giving yourself options, right? And that's that's what I'm all about. That's what I do here at Heavy Metal Money.

SPEAKER_01

So it's so interesting. I was actually talking to somebody. Oh, I was coaching a group of coaches in Shameless Plug Master Job Search Coach, and we were talking about like the difficulty of the market right now and how people are just in tough financial decision, you know, tough spots in when it comes to financial decisions right now. And one thing I've observed to that fact, and no shade to those who are. I've been there if you've read my book, chapter five. Uh oftentimes the situation isn't as dire as we feel like it may be. We just don't actually reverse engineer the money to see like how much you actually need to live, uh, or what it means to be financially independent. Because when most of us hear that term, we envision extreme savings. I mean, maybe we even envision extreme couponing. If you've ever watched that show and attempted to be an extreme couponer and you're like, oh, this is not for me. But like rigid rules, we have to have a giant 401k. There's like this like traditional narrow route to financial success. But I love that you talk about this differently and you're also not a fit the mold guy. So tell me, in your opinion, what it really means to be financially independent outside of the textbook definition that we've always known.

SPEAKER_00

Yeah, yeah. So I mean, for me, I I think it really comes down to, and I think you're absolutely right. I think a lot of people, they they often, I guess, just fail to realize how much they spend and what they need to live, right? So they they like imagine this giant, oh, I need, you know, if you're Susie Urman, you need five million, ten million dollars, like whatever. And so I think that that's sometime over that's definitely overlooked. But for me, it was it was financial independence changes everything. It really does, because when when you're not dependent on a paycheck to survive, right? A lot of things change, right? You you tend to make better decisions overall. You make better decisions about your career, you make better decisions about your relationships, how you spend your time, you you um you stop tolerating things that you shouldn't tolerate. You know what I mean? I just I feel as though the real wealth, and this is something that I really try to try to help people, is the real wealth is the time. The time that you gain. And it's it's not the stuff, right? And so I think that once you have the time, that's when you're successful, that's when you're you truly are free, right? You build freedom because you have time to do the things that matter to you, right?

SPEAKER_01

It isn't about the money, it's what the money will do for you, your family, your lifestyle, your time, and your independence. And for anybody out there who's like starting to get sweaty palms because you feel like you're behind, Chris is a self-proclaimed late bloomer in this space. And I'm curious how that has shaped both your perspective and your approach versus, you know, the 20-year-old who's just had a job with a 401k contribution since they were 20.

SPEAKER_00

Right, right. Um, yeah, so to your point, I really was um, I didn't really know anything about money or early retirement until I was about 38, 39 years old. And like you briefly mentioned, um, the catalyst for for my path was really divorce, right? But that's that's to say that it's it's never too late. And even if those people out there that think that, uh, you know what, I'm it's it's too late now, what's the point? It doesn't even matter. Like, can I even retire because they think they're too late? And I will tell you, I I have I do believe that most people, not everyone, but most people, especially the people that are gonna be listening, listening to this, watching this, I feel as though you can reach financial independence in 10 years. I honestly believe that. I believe that if you're intentional with your finances, I think you can reach a point where you could walk away from your W-2 job if you want. You could again, it gives you options, right? And that's the beauty of it, is it gives you the opportunity to do the things that bring you joy, do the things that you want to do that maybe it maybe it doesn't bring in that fat paycheck, but it fills your heart, right? You can do those things, and I I honestly think that most people can do it in 10 years. And I know I'm gonna get people coming back saying, Bring it on. I know all right, it must be rough, you're so lucky, blah, blah, blah. I'm like, no, it took 10 years of hard work, and so you know, I think that it's not super. I'm gonna say this it's relatively simple, but it's not easy, right?

SPEAKER_01

That's a very, very good way to put it. Well, there's a fair amount of discipline, maybe some choices here, because I'm gonna go back to something you said earlier when we were talking about like how much you know, calculating your financial picture and like what you uh what's required, and I'm using that word on purpose for a second, for for like day to day, week to week, month to month living. The there is a difference between what you need and what you want. And if you are willing to live on what you need in exchange for what you want in a moment, you can in 10 years have all of the stuff you want.

SPEAKER_00

I I do, I do, I do agree. I do agree. I think that you know, I'm definitely one that, you know, there's other people in the media that uh the financial media that that are all like scorched earth, rice and beans, you're gonna, it's life's gonna suck for 10 years. And uh I'm not I'm not that extreme. Like I am definitely, you know, extreme personal finance, we're gonna do it, but we're gonna do it intentionally. And the the thing is, like you said, needs versus wants. I think it is important. I think some people don't really necessarily understand that, especially if you talk to some millennials or Gen Z, you know, um they could say, well, that's a need to have Netflix.

SPEAKER_01

Like, well, is it really though? That's a want, and it is okay to put that on the choice side of I I'm gonna choose to pay for this, right? So it's I like the idea of it's not it's not like living bare bones, you know, for for because then you're not enjoying the the life that you have for 10 years, you are putting it off to tomorrow, what you could have today. There's a a little bit of a balance here, which might seem counterintuitive, but the the whole concept here in my mind is this idea that like we have more control over our financial freedom, it comes down to choice. And in this day and age, this to me is super relevant to anybody who is not 62 and a half because we don't have pensions anymore, right? Right. And that's where this dynamic and why I think bucking the traditional trends is important because a lot of the traditional retirement assets that Gen Xers had, or no, I'm sorry, baby boomers and older Gen X had aren't available to us. So we have to think about this differently.

SPEAKER_00

Yeah, it it is it is your responsibility, 100%. I mean, you have to take responsible, uh, responsibility for it. But I think that there are so many tools out there. I'm not saying, again, I'm not saying it's it's super easy, but there are so many tools out there. Um, I mean, obviously, one of the big things is um, you know, we mentioned needs versus wants. And I I feel as though that uh, you know, we need to spend money on what we value once we have our needs met. Again, our needs, you know, we're gonna need a roof over our head. There's kind of like the big pillars, right? There's gonna be yeah, there's gonna be like our shelter, there's gonna be food, right? There's gonna be transportation to get back and forth to work, right? And once you get these like basic pillars down, well, now you can start to to bring in some of those those wants. And like for me, like I'm a huge music guy, right? So I'll bring in my music subscriptions and that type of thing. But you know what? There are times like when I first started budgeting, right? Uh, over 10 years ago, and I was like, I'm gonna do this. Yeah, I had to stop, you know, Amazon Prime and Netflix and you know, all of the things. And then after three months, six months, you can start to bring those things back in, and now it you you know, you start to build that new uh I don't say budget, because sometimes when you say, Oh, you're budgeting, people think it's so limiting, but it is odd. I know, but you you are you now you're spending on the things that that you find value in. And I think that if you do that along the way, um, it's not as uh life doesn't seem so restrictive for the next 10 years, right?

SPEAKER_01

Yeah, and the the big thing there is like the intent behind it, right? You you chose to either bring it on or you chose to remove it versus just letting it roll over every month, which uh uh if we want to talk about streaming subscriptions, guilty. Those remember like seven years ago when streaming was revolutionary because you could get rid of the$200 a month Comcast uh Comcast table subscription and spend$12. Well, yeah, all of a sudden, all of that has ballooned right back to the same amount of money. So some of this is also uh awareness and actually paying attention to like where your money does and doesn't go. You know, I'll be really honest that we had some very lean, hard days where we were basically eating rice and beans in the form of a uh five-gallon bucket of root vegetables that we pulled out of a garden while we were building our 225 square foot tiny home inside of a gutted school bus. Um you don't have that's that was recovery. That was recovery. Uh, but you don't have to choose that unless it's what has chosen you. But uh, you know, there was a time and place where we really did we did the envelope system because that like that was all that we possibly had. So there are a lot of tools out there that can be leverageable. I would love to know some of your favorites.

SPEAKER_00

Yeah, I mean, I I will say um the biggest, like the number one thing that if you're hearing this for the first time and you need something that, okay, you know what, he says I can do this in 10 years. What's the very first thing? Well, the first thing is really to start tracking where the money's going. You need to stop the leaks because I guarantee I hear this all the time. And all the people that I coach and the people that I talk to, they always come to the table saying, Well, I really don't spend that much money. I don't know where it's going until you track it. So they in their mind, like they just, oh, I'm really not spending that much money. But then once you look back the last three months or six months, you realize, you know, like for me, it was eating out, right? Yeah. So I think that the wonder one, I mean, the the biggest tool is just something to track where the money's going. This could be your banking app that you already have, but there's a lot of other tools out there. I I used mint when mint was a thing. Um, yep. Yep. And now, I mean, and I will say if you if you want, you know, if you're I mean, I started with literally a notebook and a pencil, man.

SPEAKER_01

Just writing a catalog.

SPEAKER_00

Can I can I can I curse on this? I don't know if I can curse on this.

SPEAKER_01

Of course you can.

SPEAKER_00

Oh, I was gonna say, just write the shit down because you you will know, you will start to realize how many times you're writing shit down, and it was like, oh yeah, I did go out to eat three, four times last week because I had a six dollar and twenty-nine cent Starbucks Monday through Friday.

SPEAKER_01

Do you know how much that adds up? Yeah, if you go to Whole Foods and get sushi for lunch three days a week, that actually adds up.

SPEAKER_00

Totally, totally. I went to lunch today. It was like it was uh$19. Like, dude, I can't do it every single day, you know.

SPEAKER_01

I went today.

SPEAKER_00

Yeah, I went today because uh oh, you can edit this, right? I guess I shouldn't, I shouldn't say what day it is.

SPEAKER_01

No, it's okay. Go ahead. Some some people out there have figured out that this is pre-recorded, but happy Monday, everyone.

SPEAKER_00

That's right, happy Monday. But no, it was uh I went and had um to celebrate St. Patrick's Day. I had corned beef and cabbage, and I will tell you it was worth every single penny. Every single penny. I support that. It was so good.

SPEAKER_01

I support that. And I will even allow you to have your six-dollar green beer later today, if you so choose. But that was an intention, yes, right? And you know, I think this is this goes back to this bigger picture about freedom because a lot of times we do think about money as this, like uh, we think about it as a tool to create freedom instead of something that we actually have control over and like we feel like we have to restrict and let pack it away. How do you like how do you actually think about money in your life of freedom or how and how has that changed over the years?

SPEAKER_00

I think absolutely you're right. And I think that most people, and myself included, before I was you know 40-ish years old, when I started educating myself, reading tons of books and blogs and podcasts, and I think money was not, I didn't think of it as, and I think a lot of people don't think of it as well, this is a path to freedom, this is uh this is you know a tool that can be used to do these other things. It is always it is always a moment of stress. It's like, do I have enough? I don't want to know how much I don't have, I don't want to know how much I spent on streaming subscriptions, I don't know how much groceries cost, I don't want to know how much my car payment was. Like literally, it's always stressful. And so that was the thing. You asked me, like, well, how do I how do I look at that now? Absolutely now, it is a fucking tool. Excuse my language, but it it is like now you I I look at it differently. It absolutely is something that can give me options and freedom, and I can do the things that light me up, I can spend time doing things that um I don't need to get a paycheck for. I can I can choose who I work with when I work with them, I can work with cool people. And if if if you're a dick, I'm not gonna work with you. And so I mean, I hate to say I love this guy now, right?

SPEAKER_01

Like just call the spade, the spade. Sorry, dude, you're an ass. I don't want nor need your money, but bye.

SPEAKER_00

I mean, it it does give you, and that's the thing is is I started to learn that because of the people that I was surrounding myself with and the people I started to learn from. And you know, I have uh in my my I'm gonna say my team, right? My because I I'm involved in real estate. So, you know, I have I have an architect, I have my real estate agent, and it's like those are people that again, they're at um they're at a point in their career where they just choose who they want to work with, and they want to work with cool people. It's not like they're just like taking like whatever is coming through the door, and and it's just it like I said, it gives you options and um it just changes the way you get up every morning. It really does.

SPEAKER_01

And here's the mindset shift. You said it. I'm gonna bring it, I'm gonna bring it back and maybe rephrase it. Is that we society and I would say life expectations have changed pretty substantially in the last 20 years. Uh, and there's lots of reasons for that. Generational changes, technology, the Great Recession, all of these things that snowballed and really changed the fact the fact that there aren't pensions anymore, right? And so what you said, I think is a really powerful thing to think about and to reframe in our minds. And that is instead of money being the thing we are just slaving away to get, let's flip the script and have it be the lever with which we get to live life on our terms. Because the other thing is we don't have pensions. We will likely work a little longer now than we used to because we're living longer. That means I want to put off the my fund. I don't want, I want to put off things even less now, right? Like, how many people do you know that were like, oh, when we retire, we'll go do these 10 trips? Right. I'd rather do these now and be able to have like the financial ability to do it. And so for somebody out there who feels like maybe they're still in grind away to make the dollar versus let's use the dollar as a resource, how can we start making decisions that actually align with the life we want and not just what we think we're supposed to do or have to do or think is the only choice?

SPEAKER_00

Yeah, yeah. I think so. I've learned something recently. You know, most people talk, you know, when we talk about personal finance and retiring early, most of the most of the people think of the fire movement, right? You reach financial independence with the option to retire early. And I've learned something new, and this is the acronym called FILE, the FILE movement. This is where you reach you reach financial independence to live early.

SPEAKER_01

I was gonna say, I know I was gonna be live. I like it.

SPEAKER_00

And so, and it's it's where you know you can look at those things that light you up. I think one of the things that I uh and again, I'm you know, just a plug. I think a great, great book out there by Dr. Jordan Grummet is the purpose code. Um, I I read that book and it really did help me again create the purpose in what I do every day. And you could have multiple purposes, right? But that's that's the thing. I think you the the question was what should people start doing? And I think it really is go back to the things that you really loved doing as a kid, the things that you loved doing in your early 20s, the things that you loved doing just for the joy in doing them. There was no there was no finish line, there was no result, like outcome.

SPEAKER_01

You just loved to do there was no net worth Susie Orman five million goal, right?

SPEAKER_00

And because I I think then you start to like, oh, that's what I want to spend my time doing, and that's what um you know, you have that why, right? You have because I think you know, I think the number one thing I know I've said the number one thing probably seven times, but the number it's okay.

SPEAKER_01

We're allowed to have 12 number one things because we can have more than one purpose. There you go. How's that?

SPEAKER_00

Exactly. I think that people, if They do kind of get bit, you know, they get bitten by this this you know file bug or fire bug, and they're gonna hurry up and get to get to their fi number, and they're like, okay, I can retire and stuff, and then they're like, and then what? You know what I mean? Like they they hadn't put in any thought to like, well, what's gonna happen later, right? And so I just feel as though if you have that why, it's those those are the things that will keep you going when things get hard. Because again, you're starting to, you know, you're gonna start investing, you're gonna start, you know, saving, you're gonna build up an emergency fund, you're gonna pay down your high interest credit card debt, right? You're gonna start working on on your path to financial independence, and there is gonna be weeks or months where it's hard, and you're like Yeah, it could be the year 2025 as an entrepreneur, yeah.

unknown

Exactly.

SPEAKER_00

Exactly.

SPEAKER_01

Well, dumpster fire, right? Yes, I know.

SPEAKER_00

Well, and and so that's the thing is is to your point, it's going there's gonna be times when it's hard, and that why that why is what's gonna keep you going when those times are hard. And so I think that's one thing that that would help anyone listening that wants to like accelerate their path to to early retirement for sure.

SPEAKER_01

I must highlight the fact that even the heavy metal muddle heavy metal money, not heavy metal muddle guy says, No, you're freaking why. Look at this. We even got special effects on this show. For those of you listening in podcast land, you're missing out. Uh, we got strobes. There is even a light up sign that says heavy metal money behind Chris. I'm pretty sure he's wearing a band t-shirt of a certain flavor, which by the way, I've got a question on that. Speaking of money in a minute, and speaking of heavy metal. But the point here is like I really need to reinforce the fact that even the money guy is talking about a why. And there that is not a coincidence on this show of fewer Sunday scaries and no more Mondays, and financial freedom so that you can live life early, because those are all things I'm a huge proponent of, right? Why put off to 62 and a half what I could do at 45 or 35 even.

SPEAKER_00

You know, one thing that I learned, and I learned this back when I was, um, gosh, I was in my 30s and I was working, um, I uh I was working in the the printing technology and publishing industry, and there was those of you may know who Harvey McKay is, he's a self-help guy author, he's got several books out there, you know, Dig Your Well Before You're Thirsty. Um, he's got a lot of great books out there. Swim with the Sharks is a really great one. But one thing that he I remember that he said, and I'll always remember it, and I started to live that way, and I still live that way today. And every Monday, okay, so what what's the what people were like they kind of don't get it because I'll text like a few of my close buddies on Mondays, and you know what I text them? PG I M. And I'm like, I had to wait all weekend just to get here today because I couldn't wait to crush it on a Monday. So I it's flipping that script, man. And it's like uh, yeah, so I um there's there's still, I think if you can change that mindset, it is everything else will change after it.

SPEAKER_01

So that's no more Mondays to extreme, y'all. But the point there is here's the perspective shift, and I think this it comes from knowing your why. This is a money mindset shift, this is a Mondays mindset shift, is I get to, not I have to.

SPEAKER_00

100%.

SPEAKER_01

I get to sit down and help somebody today. I get to have another week of impact. I get to use my my money and my life for good, right? There's so many more things to life than just making money, it's what the money will do and why you want to make it.

SPEAKER_00

Yeah. I got I got a story. Can I share this quick story with you? So I was so when I worked in that industry, I uh I oversaw this team here in Minneapolis. There's like a team of like 12 people, and and I remember I was having this conversation with this this one woman that was there, and again, it was like having a really bad day. And things were, you know, I was just I was really feeling like there's negativity and that things were going wrong, and it was, you know, complaining about work, complaining about time, complaining about everything. Like it was just she was having a really bad day. And I remember I looked up, and this was downtown Minneapolis. Um, and where where our office was, where our building was, right outside was um Burlington Northern Railroad. And there was a crew of about 20 people out there laying new railroad ties, right? Outside, like doing like physical shit.

SPEAKER_01

They still yes, they still lay new railroad ties, people still happens. I know, right?

SPEAKER_00

And I like I remember having and I I was like, hey, I'm not gonna say their name, but I was like, you get to do this. Are you not happy? Like you're you're happy you're not out digging ditches, or one of those guys that are out there in the heat, busting ass, like you did, and even that guy may be grateful he gets to do it, depending on what his circumstances, right?

SPEAKER_01

It's I the beholder is some of this.

SPEAKER_00

It is, it is, but it's like you got again switching that mindset to I get to do this. TG T G I M. I'm telling you.

SPEAKER_01

T G I M. Life can happen for you if you let it, and a lot of it has to do with perspective. And so, uh, okay, I gotta ask, talk to me about where heavy metal mindset comes into all of this.

SPEAKER_00

Yeah, you know, it's it's really about uh I'm always one that kind of goes against the grain, right? I like I like to be everything a little bit more extreme. I like uh uh extreme food, extreme, I like extreme music, extreme sports, I just whatever it is. Um, and so I think that's where it is, is that I want people to understand that when you start thinking about you know, filing your taxes and saving for retirement, it's not just a bunch of stuffed shirts, you know, beige and gray, just like you know, super boring, you know it can be more than that, it can be extreme, and you know what? It then gives you the freedom to do the things you want to do. You want to go to another show, you want to buy another concert tee, you want to buy another pointy guitar, like whatever you want to do, it can it can fuel that. That's what financial freedom can do.

SPEAKER_01

All right. So, did you did you buy the Metallica and the sphere tickets? Speaking of financial freedom, woo uh I did, I absolutely did.

SPEAKER_00

Fourth, fourth time's a charm.

SPEAKER_01

Okay, it was I'm impressed because I know at one point in time it was uh a little shockingly spendy, however, you'd regret it if you didn't.

SPEAKER_00

It was brutal. Um but it wasn't as much well, and that I'll share. So the package deal. So I got I got the one of the travel packages, so you get three nights hotel, and then every ticket, no, it's two full shows, right? It's a Thursday and Saturday, so it's a no repeat, yeah, no repeat weekend, right? And so three nights hotel, two full shows, um, and tickets were seventeen hundred dollars. And I was like, three nights hotel, two full shows, that's not bad.

SPEAKER_01

Okay, it's not that bad once it all shakes out.

SPEAKER_00

If you consider an individual ticket was$700 to$900, right? Yeah, so I was like, okay, no problem, I can do that. Well, of course, you know, I waited uh the first three pre-sales, you know, you waited, there's like 316,000 people ahead of you, and then you get in there and there's no seats left. It's like whatever. Um, but yeah, so I was prepared to spend seventeen hundred dollars a ticket. Um, when I finally got in on the fourth day, the fourth that was wasn't even a pre-sale, that was everyone all at once. It was like fifth member fan club, general admission, whatever. And I waited about an hour, and tickets were 2300 bucks. Most money I'd ever spend on a show, but it's a it's a once-in-a-lifetime thing. So I'm I'm pretty pretty stoked, and it's not until 2027.

SPEAKER_01

So it's that far out, yeah. Oh man, so you got a whole year of anticipation to make that money really worth it.

SPEAKER_00

They added six more dates in March of 2027. I think it's rad that Metallica, 45 years into it, they're gonna have 24 shows at the sphere. I think it's just super rad.

SPEAKER_01

That's gonna be amazing. And this, y'all, is the heavy metal money mindset that might enable you to just go see a lifetime show at an iconic location. Chris Luger, where does everybody find you and learn more about the heavy metal money mindset?

SPEAKER_00

Yeah, yeah. Uh head over to heavymetal.money and you'll find my podcast over there, the Extreme Personal Finance Show, um, all my socials. Uh again, I've been blogging all the way back since 2017. I got tons of articles out there all on spending, saving, investing, earning. Turned up to 11.

SPEAKER_01

Yeah. Uh only because Chris is here and he is the heavy metal guy. We're gonna have to rock out to some exit music here in a second. Uh, but this has been awesome. Thank you for one realness, right? Uh finance can be, like I said earlier, just a topic that people run away from. And I love how different your perspective is on it, but also approachable. It's real, right? You don't have to have done this perfectly in order to start and set yourself up for success.

SPEAKER_00

So many people run away from it. And I'm just telling you that if you change that and you kind of embrace it and tackle it head on, man, there's so much you can do.

unknown

Yeah.

SPEAKER_01

Life can happen for you if you let it. There you have it. A conversation about money, ownership, which I'm a big fan of, and building a life that actually gives you options. Seems perfect for No More Mondays. T G I M. Chris Luger, thank you again for being here, being part of the No More Mondays movement, maybe being the No More Mondays movement. And to all of you out there, if this is a conversation that resonated, share with somebody, listen to it again, go find out, go find Chris's resources and give yourself some options, whatever you need to do to live the life that you want now and into the future. Until next time, here's two Fewer Sunday Scaries and No More Mondays.