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June 18, 2018

Finding Love When Pursuing Financial Independence – with Gwen Merz and Erik Tozier


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The dating scene can be rough when you're financially conscious. Your priorities of saving and investing might be the complete opposite of your potential date's priorities of spending and living for today.

As a wise man once said though, there are plenty of fish in the sea. If you keep at it, you'll find your match.

I've invited two guests on the show today that know all about love and money. Gwen Merz and Erik Tozier found each other one year ago based on their love of financial independence and personal finance. These two personal finance gurus have combined their money superpowers and become a stellar couple.

Love and Money, Financial Independence, Dating

What are we covering?

Erik, Gwen and I chat about:

  • How this frugal young couple came together
  • The previous relationships and why they didn't work out
  • Their opinion on prenuptial agreements and engagements ring prices

As personal finance bloggers and podcasters, Gwen and Erik share a love for truly helping people reach a better financial standing. Join us today to see how financial independence has inspired them individually and now as a couple.


Marriage, Kids and Money, Andy Hill
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About Our Guest:  Gwen Merz

Gwen recently left Corporate America after growing her net worth to over $200,000 by the time she turned 27. Gwen has a rental property, and now is working on growing her podcast, The FIRE Drill Podcast, and blog, Fiery Millennials to continue to reach and influence many individuals and couples on the way to financial independence. In addition to these pursuits, she is working on an Etsy shop combining selling stained glass designs and physical stained glass creations to grow her income for the future.

Erik Tozier and Gwen Merz

About Our Guest:  Erik Tozier

Erik is a full-time programmer and hustler, who is focused on self-improvement and building wealth through his day job, investments, and side hustles over time. A statistician and web developer by day, blogger and subscription kit business owner by night and weekend, Erik, who just turned 26, is passionate to continue building on his early success. House hacking and a 50% savings rate have helped him grow his net worth to roughly $175,000. With this solid financial base, the sky is the limit.

Money Master of the Week

David from Minneapolis paid off $52,000 of student debt in 13 months!

David from Minneapolis

He and his wife Ally partnered together and CRUSHED this student debt. In a time where the student debt in our country is crippling the financial growth of 44 million Americans, David and Ally said: “We’ll just clean ours up RIGHT NOW”.

Ally worked after school at night, they decreased the food budget and the eating out budget  … and they tracked everything.

And now, David and Ally want to help other couples win like they have.

David from the Minneapolis is our Money Master of the Week!

If you have a financial victory you want to share on this show, please leave me a voicemail (or an email) and include the following:

  • First name
  • Location
  • Your recent big win
  • How you did it
  • Your plans for the future

Your story will inspire others to save more, make more and plan for their family’s future.

Show Resources


Marriage, Kids and Money Podcast, Blooom

GET ONE FREE MONTH OF BLOOOM – Make sure to enter promo code “MKM” for your free month and to support this show ?


30-Day FREE Trial – Control your money and support this show.

Gwen merz's Resources

BlogFiery Millennials

PodcastFIRE Drill Podcast

Recommended BookThe Simple Path to Wealth by JL Collins

Erik tozier’S RESOURCES

Blog & Podcast: The Mastermind Within


MKM Meet Up in Royal Oak, MI: Come for a beer and some money talk on July 19th, from 5:30-7:30 pm at the Royal Oak Brewery in Royal Oak, MI.

Thriving Families Facebook Group:  Join our new FREE Facebook Community!

Young Family Wealth Playbook (FREE):  7-Steps to Solidifying Your Family’s Future Wealth

Young Family Wealth Playbook

Support this Show

If you enjoyed this podcast episode, here are some excellent ways to support the show:

I truly appreciate the support everyone!


I’d love to hear from you!

If you’d like your question featured on the show, reach out and let me know. It would be my honor to support you in your journey toward financial freedom.

Leave me a voicemail or connect with me on TwitterFacebook or shoot me an email.

Carpe Diem Quote

“One day, someone will walk into your life and make you see why it never worked out with anyone else.”


Has money or financial issues been a huge factor in your romantic relationships?

Please let us know in the comments below.

Andy Hill

Andy Hill is the award-winning family finance coach behind Marriage Kids and Money - a platform dedicated to helping young families build wealth and happiness. Andy's advice and personal finance experience have been featured in major media outlets like CNBC, Forbes, MarketWatch, Kiplinger’s Personal Finance and NBC News. With millions of podcast downloads and video views, Andy’s message of family financial empowerment has resonated with listeners, readers and viewers across the world. When he's not "talking money", Andy enjoys watching his kids play soccer, singing karaoke with his wife and watching Marvel movies.


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Marriage Kids and Money Podcast

About Marriage Kids & Money

Every Monday, The Marriage Kids and Money Podcast provides you with actionable advice to help you win with money.

We’ve interviewed over 300 millionaire entrepreneurs, award-winning authors and personal finance experts all with the goal of saving you money, making you money and protecting your family’s future.

Fridays, you'll hear me and my wife Nicole discuss life, money and relationships on our show "Bread & Wine".

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