The internet is full of financial "facts" that sound smart but don't hold up. This week, Derek and Kelly put 10 of the most popular financial hot takes to the test.

Topics covered:

• Do you actually need 20% down to buy a house?

• Are credit cards really that bad?

• Is all debt the enemy?

• Is the stock market basically gambling?

• Should you pay off your mortgage as fast as possible?

• Should you always refinance when rates drop?

• How much do you actually need in an emergency fund?

• Are side hustles necessary to build wealth?

• Is lifestyle inflation something you need to avoid at all costs?

• Should you wait for interest rates to drop before buying a house?

Spoiler: they disagree with the internet on most of them and they've got the math to back it up.

Derek Mazzarella is a CFP® and author of Just Retire Already: An Unconventional Retirement Guide. Kelly Turner is a licensed mortgage broker. Together they host Millennial Money Matters, a personal finance podcast built for people who want real answers without the jargon.

Reach out to Kelly Turner at kturner@totalmortgage.com and Derek Mazzarella at dmazzarella@mygfpartner.com

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