Rich Habits Podcast
Rich Habits Podcast

Q&A: $21M in Sales, Investing as a Widow, & $100K Invested at 23

March 12, 2026

AI Summary

5 min read

🎙️ The Voices & The Context

  • The Format: This is a casual, conversational Q&A podcast episode. The hosts, Austin and Robert, answer listener-submitted financial questions in a relaxed, "advice from a friend" style.
  • The Key Players:
    • Austin: The slightly under-the-weather host, who is powering through a cold. He brings a mix of personal vulnerability and sharp financial analysis.
    • Robert: The energetic co-host, who provides a more cautious, "big picture" perspective, often warning against unnecessary risk.
  • The Vibe: Educational and Supportive. Despite Austin's low energy, the tone is warm, encouraging, and focused on helping listeners make smart money moves. It feels like sitting in on a conversation between two financially savvy buddies.

🗝️ Key Themes & Topics

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What you'll learn

  • 1 (00:00) **🎙️ Introduction: N/A (No Guest)**
  • 2 (03:35) **Question 1: Leaving Empower for Self-Managed Investing**
  • 3 (10:02) **Question 2: UTMA Account for Son & Future Contributions**
  • 4 (13:26) **Question 3: Widow's 401k – How to Advise & Invest**
  • 5 (16:56) **Question 4: Keep or Sell Rental Home When Relocating**
  • 6 (22:40) **Question 5: Business Cash Flow vs. Equipment Debt**
  • 7 (29:29) **Question 6: HSA Strategy & Real Estate for Young Engineer**

+ Full timestamped outline available in the app

Show Notes

In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!

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👤 Explore everything Austin does –⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

👤 Explore everything Robert does –⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Rich Habits Podcast