by Engineered Wealth
Engineered Wealth with Lucas Marsh is a practical personal finance podcast for busy professionals and families. Each episode shares real strategies and systems to help you get your financial house in order and build your best life. Fee-only advice, no commissions, no fluff. engineeredwealthmanagement.com
Language
🇺🇲
Publishing Since
2/8/2026
Verified contact details for this show aren't on file yet — sign up to get notified when they land.
August 8, 2026
<p>"Save 3 to 6 months of expenses."</p><p><br></p><p>It's the most repeated advice in personal finance — and almost nobody finishes the sentence. Three to six months of what, exactly?</p><p><br></p><p>In this episode, Lucas Marsh at Engineered Wealth Management walks through the financial foundation: the emergency fund, the insurance layer that sits alongside it, and where that cash should actually live so inflation isn't quietly shrinking it.</p><p><br></p><p>This is the final episode in our series on how our household actually runs its finances.</p><p><br></p><p>WHAT YOU WILL HEAR</p><p><br></p><p>→ Why the 3-6 month rule is based on your fixed obligations, not your total spending — and why that makes the number far smaller than most people assume</p><p>→ The six factors that determine whether your target should be 3 months, 6 months, or 12</p><p>→ How correlated incomes create concentration risk most couples never think about</p><p>→ What actually counts as an emergency, and why Christmas doesn't</p><p>→ How Lynn and I sized our own fund, and the short-term disability connection that drove the decision</p><p>→ Why disability insurance is the most overlooked coverage in the country</p><p>→ The tax detail almost nobody knows: if your employer pays your disability premium, your benefit is generally taxable</p><p>→ Term vs. permanent life insurance — renting coverage versus owning it</p><p>→ The tradeoff triangle: access speed, yield, and tax treatment, and why you only get two of the three</p><p>→ Four places to hold short-term cash, and the difference between FDIC and SIPC coverage</p><p>→ The two things that disqualify an account from holding your emergency fund</p><p><br></p><p>One thing I say directly in this episode: I do not sell insurance, I am not licensed to sell insurance, and I receive no compensation if you or anyone else buys an insurance product. That is what fee-only means.</p><p><br></p><p>——————————————————</p><p><br></p><p>WATCH THE FULL VIDEO</p><p><br></p><p>youtube.com/@EngineeredWealthManagement</p><p><br></p><p>——————————————————</p><p><br></p><p>CATCH UP ON THE SERIES</p><p><br></p><p>This episode closes our transparent look at how our household manages its finances:</p><p><br></p><p>Our Monthly Family Meeting:</p><p>https://open.spotify.com/episode/4rMy5CikoFOPM8xN1sb7D5</p><p><br></p><p>How We Split Household Expenses:</p><p>https://open.spotify.com/episode/6GAM7W4PFa4xaLJljhppb3</p><p><br></p><p>Is Your Household Cash Flow Positive?:</p><p>https://open.spotify.com/episode/30alrobARSbFW8WWPLTlh1</p><p><br></p><p>——————————————————</p><p><br></p><p>CONNECT WITH LUCAS</p><p><br></p><p>Website: engineeredwealthmanagement.com</p><p>Services & Fees: engineeredwealthmanagement.com/services</p><p>Schedule a complimentary intro call: engineeredwealthmanagement.com/schedule</p><p>Contact: engineeredwealthmanagement.com/contact</p><p><br></p><p>——————————————————</p><p><br></p><p>DISCLOSURE</p><p><br></p><p>This podcast is for educational and informational purposes only. It is not personalized investment, tax, or legal advice. Every person's financial situation is different, and you should consult with your own qualified financial, tax, or legal professional before making decisions based on what you hear in this episode.</p><p><br></p><p>I do not sell insurance, I am not licensed to sell insurance, and I receive no compensation if you or anyone else purchases an insurance product. No specific product, fund, or financial institution is being recommended in this episode.</p><p><br></p><p>Engineered Wealth Management LLC is a fee-only registered investment adviser based in Avondale Estates, Georgia. Registration does not imply a certain level of skill or training. Our services, fees, conflicts of interest, and Form ADV are available at engineeredwealthmanagement.com and through the SEC's Investment Adviser Public Disclosure site at adviserinfo.sec.gov/firm/summary/338494</p>
July 11, 2026
<p>Once you know your household cash flow number, the next question is: how do you actually manage it month to month?</p><p>In this episode — part 2 of our cash flow series — Lucas Marsh walks through why a tracking tool matters, two different budgeting philosophies, several specific tools and apps (free and paid), two real "guardrail" methods that go beyond tracking, and a transparent look at the actual spreadsheet system used at home.</p><p>What you'll hear:→ Why you can't manage what you don't measure — and how awareness alone changes spending behavior→ Two budgeting methods: the "rear view mirror" approach vs. zero-based budgeting→ Specific tools and apps mentioned: free brokerage tools (Fidelity, Empower), Monarch Money, Quicken Simplifi, YNAB (You Need A Budget), and manual options like Google Sheets or the envelope method→ Two real guardrails that go beyond tracking: a separate discretionary checking account, and using Venmo or Cash App as a spending limit tool→ A transparent walkthrough of the actual spreadsheet system used to track transactions, categories, and the 50/30/20 framework (needs, wants, savings)</p><p>A note on the tools mentioned: these are shared for informational purposes only — not a recommendation or endorsement of any specific platform. Test a few, find what fits how you think, and stick with the one you'll actually use consistently.</p><p>Next episode: once you have a cash flow surplus, what should you actually do with it? We're covering emergency funds and short-term savings options.</p><p>——————————————————</p><p>CATCH UP ON THE SERIES</p><p>This episode builds on our ongoing transparent look at how our household manages its finances:</p><p>Our Monthly Family Meeting: https://open.spotify.com/episode/4rMy5CikoFOPM8xN1sb7D5?si=xCUaXse6QXmsWyA03l-6qQ</p><p>How We Split Household Expenses: https://open.spotify.com/episode/6GAM7W4PFa4xaLJljhppb3?si=w9VL08f3Q-SAvEOoVjVGyg</p><p>Is Your Household Cash Flow Positive?: https://open.spotify.com/episode/30alrobARSbFW8WWPLTlh1?si=xhGuh5grR1asIhuMn0n5EQ——————————————————CONNECT WITH LUCAS</p><p>Website: engineeredwealthmanagement.comServices & Fees: engineeredwealthmanagement.com/servicesSchedule a complimentary intro call: engineeredwealthmanagement.com/scheduleContact: engineeredwealthmanagement.com/contact</p><p>——————————————————WATCH THE FULL VIDEOFull video with the spreadsheet walkthrough available on YouTube: https://youtu.be/mduLcAj85kwyoutube.com/@EngineeredWealthManagement</p><p>——————————————————</p><p>DISCLOSUREThis podcast is for educational and informational purposes only. It is not personalized investment, tax, or legal advice. Every person's financial situation is different — please consult with your own qualified financial, tax, or legal professional before making decisions based on what you hear in this episode.</p><p>Engineered Wealth Management LLC is a fee-only registered investment adviser based in Avondale Estates, Georgia. Registration does not imply a certain level of skill or training. To learn more about our services, fees, conflicts of interest, and Form ADV, visit engineeredwealthmanagement.com.</p>
June 2, 2026
<p>Do you know if your household is cash flow positive right now? Most people only have a feeling — and a feeling is not the same as knowing.In this episode, Lucas Marsh at Engineered Wealth Management breaks down what household cash flow actually means, why it is the single most important number in your financial life, and how to find yours.What you will hear:→ The difference between a surplus and a shortfall — and why it matters→ Why high earners are not automatically cash flow positive→ How lifestyle creep and credit quietly erode your financial foundation→ The simple cash flow calculation: take-home income minus fixed minus variable→ Where the leaks actually hide — subscriptions, convenience spending, and lifestyle creep→ What to do once you know your numberYour surplus is your raw resource — the fuel for every financial goal you have. Without it, there is nothing to invest, no debt to pay off, no emergency fund to build. Fix the foundation first. Everything else comes after.Next episode: the budgeting and spend plan tools we use at home to direct that surplus intentionally.——————————————————CONNECT WITH LUCASWebsite: engineeredwealthmanagement.comServices & Fees: engineeredwealthmanagement.com/servicesSchedule a complimentary intro call: engineeredwealthmanagement.com/scheduleContact: engineeredwealthmanagement.com/contact——————————————————WATCH THE FULL VIDEOFull video with visuals available on YouTube:youtube.com/@EngineeredWealthManagement——————————————————DISCLOSUREThis podcast is for educational and informational purposes only. It is not personalized investment, tax, or legal advice. Every person's financial situation is unique — please consult with your own qualified financial, tax, or legal professional before making any decisions based on what you hear in this episode.Engineered Wealth Management LLC is a fee-only registered investment adviser based in Avondale Estates, Georgia. Registration does not imply a certain level of skill or training. To learn more about our services, fees, conflicts of interest, and Form ADV, visit engineeredwealthmanagement.com.</p>
Have a different question and can't find the answer you're looking for? Reach out to our support team by sending us an email and we'll get back to you as soon as we can.
Engineered Wealth with Lucas Marsh is a practical personal finance podcast for busy professionals and families. Each episode shares real strategies and systems to help you get your financial house in order and build your best life. Fee-only advice, no commissions, no fluff.
engineeredwealthmanagement.com
This podcast updates daily.
This podcast is available on 4 platforms including Apple Podcasts, Spotify, and more. You can also use the RSS feed directly.
No, this podcast does not typically feature guests.
Pod Engine is not affiliated with, endorsed by, or officially connected with any of the podcasts displayed on this platform. We operate independently as a podcast discovery and analytics service.
All podcast artwork, thumbnails, and content displayed on this page are the property of their respective owners and are protected by applicable copyright laws. This includes, but is not limited to, podcast cover art, episode artwork, show descriptions, episode titles, transcripts, audio snippets, and any other content originating from the podcast creators or their licensors.
We display this content under fair use principles and/or implied license for the purpose of podcast discovery, information, and commentary. We make no claim of ownership over any podcast content, artwork, or related materials shown on this platform. All trademarks, service marks, and trade names are the property of their respective owners.
While we strive to ensure all content usage is properly authorized, if you are a rights holder and believe your content is being used inappropriately or without proper authorization, please contact us immediately at hey@podengine.ai for prompt review and appropriate action, which may include content removal or proper attribution.
By accessing and using this platform, you acknowledge and agree to respect all applicable copyright laws and intellectual property rights of content owners. Any unauthorized reproduction, distribution, or commercial use of the content displayed on this platform is strictly prohibited.