The Less House More Moola Podcast
tiny house podcast
Host and financial planner Laura Lynch shares practical tips and inspiring interviews about downsizing to the tiny house lifestyle, boosting financial security, and increasing cash flow.
The podcast that’s all about alternative living
Welcome to the Less House, More Moola podcast, where we delve into the world of tiny and alternative living and its potential to transform your financial security. I'm your host, Laura Lynch, and together we'll embark on a journey of exploring alternative living arrangements, embracing a minimalistic lifestyle, and ultimately breaking free from societal expectations.
Through captivating interviews, invaluable industry resources, and personal insights, this podcast aims to guide you towards a life of financial independence, rich with downsizing tips and tiny house ideas, and a deeper connection to the things that truly matter. Join me in this tiny house movement as we redefine the meaning of success and challenge the status quo.
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Previous episodes of Less House, More Moola
EP 88: New Year Announcement: Parking and Problem Solving
In this episode of Less House More Moola, Laura and Eric reflect on their journey of transitioning to a tiny house lifestyle. They discuss the challenges and joys of moving to a new community, the lessons learned from significant life changes, and the importance of adaptability and planning. The conversation also touches on their future projects and the opportunities for community engagement they are creating.
EP 87: A perfect match for Melissa Mitt | Solopreneur in RV Living
In this engaging conversation, Melissa Mitt shares her journey from traditional homeownership to embracing a nomadic lifestyle in an RV. She discusses the motivations behind her decision to sell her home, the challenges and benefits of working while traveling, and the financial lessons learned along the way. Melissa emphasizes the importance of not settling for a life that doesn't fit and how her experiences have shaped her approach to personal and business finances. She also highlights the significance of self-efficacy in managing debt and achieving financial goals.
EP 86: 2025 Opportunities in Alternative Living
The podcast episode, 2025 Opportunities in Alternative Living, explores the challenges of traditional housing and the potential of alternative living solutions, with a focus on affordability, sustainability, and alignment with modern values. Host Laura Lynch, a financial planner, highlights key aspects of the housing market in 2025, such as rising mortgage rates, housing shortages, and mismatches between consumer desires and available home sizes.
EP 85: Navigating Intentional Living in 2025
Are you ready to make 2025 the year of intentional living? This year, embracing a tiny house lifestyle and prioritizing personal values can lead to more fulfilling and financially secure choices. Let’s explore how reflecting on the past year and setting meaningful intentions can transform your life.
EP 84: Turning Corporate Life Into Skoolie Adventures: New Year Episode!
Have you ever wondered what it would be like to trade the 9-to-5 grind for a life on the road? This inspiring story dives into how one woman turned her corporate accounting career into a journey of self-discovery through tiny living. Learn about the Coast FIRE movement, the joys and challenges of minimalism, and how you, too, can take steps towards a more purpose-driven life.
EP 83: Tiny Living & Financial Freedom: My 2024 Reflection Journey
Tiny living has captured the imagination of many, but it’s not just about downsizing—it’s a mindset shift. In this episode of the Less House More Moola podcast, Laura Lynch reflects on her transformative journey and interviews Amanda Acuna, who shares her family’s firsthand experience of transitioning to tiny living. Let’s dive into the key takeaways and lessons from their discussion.
Episode 82: Embracing Tiny Living: A Journey to Financial Freedom
In this episode of Less House More Moola, host Laura Lynch speaks with Fiorella Yriberry about her journey into tiny living and the financial freedom it has afforded her. Fiorella shares her experiences as a full-time nomad, the evolution of her living arrangements, and the lessons learned from traveling extensively. The conversation delves into the importance of being present, navigating remote work, and practical tips for affordable travel. Fiorella emphasizes the connection between tiny living and financial security, encouraging listeners to embrace unconventional lifestyles and pursue their dreams.
Episode 81: From Debt to Freedom: Aja's Van Life Story
In this episode, Aja Villacres shares her inspiring journey of her van life, living and traveling full-time in her self-converted camper van. She discusses her nomadic family background, motivations for choosing van life, and the financial independence it has afforded her. Aja also delves into her experience as a YouTube creator, focusing on empowering women in the van life community and the personal growth she has experienced through this lifestyle.
Episode 80: From Business Success to Spiritual Fulfillment with bella tiu
Bella Liu shares her transformative journey from a successful business career to a more spiritually aligned life.
Ep 79: Building Family Connections with Accessory Dwelling Units or ADUs with stanley acton
Stanley Acton discuss the importance of family integrity planning through the lens of Accessory Dwelling Units (ADUs)
EP 78: Top 5 Episodes Recap + Thanksgiving Reflections
In this episode, Laura Lynch reflects on the top downloaded episodes of 2024.
EP 77: Tiny Living: Financial Freedom Through Adobe Homes
In this episode the journey of tiny living and financial planning with guest Quentin Wilson, an expert in Adobe construction.
EP 76: Van Life Adventures: Intentions and Experiences
Holly Davis shares her journey into tiny living and minimalism.
Ep 75: The Rise Of Tiny Homes: Why Intentional Living And Right-sizing Your Home Matters
Laura and Ryan about the journey to tiny living and financial freedom.
EP 74: The Risks and Rewards of Downsizing
Laura explores the intersection of tiny living and financial planning
EP 73: Exploring Different Tiny Living Community Models
Laura Lynch and Jill Kanto discuss the transformative power of tiny living and intentional communities.
EP 72: Biggest day in my tiny house journey and exciting updates
Laura Lynch shares her journey towards living in a tiny house and announcing big news.
EP 71 - Embracing Minimalist Living: The Journey From Gypsy Roots To Tiny Living
Samantha Noel shares her journey from a gypsy childhood to embracing van life and the tiny house movement.
EP 70: Recap Of Tiny Fest Bay Area: The Future Of Tiny Living Is Here!
Laura Lynch discusses her experiences at Tiny Fest Bay Area
EP 69: Finding Freedom in Tiny Living
In this episode, Laura reflects on her first 90 days of living in a tiny house.
About the host, Laura Lynch
Laura holds a Master of Education (M. Ed.) degree and is a Certified Financial Planner (CFP®), Accredited Behavioral Financial Professional (ABFP™), Certified Divorce Financial Analyst (CDFA®), and an Accredited Asset Management Specialist (AAMS®).
My alternative Living Philosophy
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My path in life has illustrated that checking each one of the expected boxes (education, career, house in the suburbs, 2.5 kids, retirement at 65) is not always feasible or in alignment with our values. I believe that alternative living arrangements are one lever we can pull to in order to make more progress in another area of higher priority, such as financial security or making an impact.
The 2023 average price of a home in the United States is at $428,700, and the total amount paid for that home over 30 years on principal and 6% interest will be $925,298.32. The total combined mental and physical effort required to simply fulfill the basic need for shelter represents for many up to 40% of their net income. This high cost of a home limits precious time and financial resources available for higher level pursuits like community improvement, family focus and creativity. Career risk taking for me seemed far more terrifying when there was a mortgage payment due. I believe we could all benefit from more critical thinking and problem solving and less playing it safe for the mortgage payment due.
And one more thing. For those of us living or expecting a season of solo-aging, a single family home can compound the loneliness endemic in modern society. Humans are wired for connection. Alternative housing options that gather community support wellness.
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In our AI world, specific advice is worth paying for. Portfolios alone are not.
I spent five years in a brokerage and asset management environment and learned a great many valuable things. One of which is that incentives influence motivation.
When I was paid based on assets under management or by commission, I was always motivated first to transfer assets to manage before helping clients untangle their financial complexities or build a plan for their future. Likewise, clients didn't always seem to make the connection that they were paying for an experienced financial partner who could translate the lingo, point out blind spots, and guide them through the puzzle of financial rules, processes, and best practices, along with advising them on how to build, adjust, and spend an efficient portfolio.
This is why my business model is fee-for-advice only for new clients. Of course, I believe there is tremendous value in being shoulder to shoulder with you when times are rough in the markets. I do my best work for you when I help you make good decisions with the assets that are the fuel for your goals. However, what I am paid for is advice specifically curated for our lifestyle and available no matter your total amount of savings.
Particularly for the alternative living community, there isn't yet an algorithm that can effectively help you plan a tiny pivot, pinpoint your top two values and use them to build your impact, or live to age 100 in your tiny home.
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I believe in strategic investing in a variety of assets, not because I am a fan of the inequality created by our flawed system but because diversified investments are a tool for building the security needed to overcome rising costs and the wealth needed to fund impact.
Investing, though, requires base-line optimism—a belief that trends of the past will continue. Optimism is only possible with a critical awareness of the attention economy and how all the screens are at least partially funded by our fear. The overwhelming amount of bad news available in redundancy at our swipe is easily able to target our human biases and crumble the best laid investing plans. Therefore, we investors must manage our behavior and attention. In order to stick with a plan, we must be stubborn in our belief in the resiliency and creativity of humankind.
With that said, we do not have guarantees that the past will repeat itself or even rhyme. We are living in a time of unprecedented speed and compounding change. No one knows what the ideal assortment of resources will be for each subsequent crisis we will face. Thus, I also believe in cultivating personal skills that enable cooperation, confidence, and the capability to be ready to help yourself and your community.
However, I do not believe that we can financially solve for uncertainty. Understanding the difference between risk (such as market swings, interest rates, inflation, isolation, and longevity), which may be mitigated, and uncertainty (such as total economic collapse or nuclear war), for which we cannot effectively plan, is a first step in crafting a financial plan. I plan within the risk space and leave the safe rooms and ammo to those who intend to survive a dystopia.
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In this episode of Less House More Moola, Laura and Eric reflect on their journey of transitioning to a tiny house lifestyle. They discuss the challenges and joys of moving to a new community, the lessons learned from significant life changes, and the importance of adaptability and planning. The conversation also touches on their future projects and the opportunities for community engagement they are creating.