In this episode of Keep Hustling, host Aaron Gordon sits down with Joel Miller, a financial planner passionate about empowering clients to achieve financial freedom and generational wealth. Joel shares his journey from Chicago to the Twin Cities and dives deep into the myths and mistakes younger clients make—especially the misconception that financial planning is only for the ultra-wealthy or those near retirement. The conversation explores the snowball effect of small financial decisions, the importance of “penciling in” goals instead of seeking perfection, and why budgeting and estate planning matter at any income level. Joel also highlights creating lasting value through flat-fee services and stresses the impact of making confident financial decisions. The episode closes with motivational advice to “be the change you want to see in the world.”

Get To Know Joel Miller Joel Miller is the founder and CEO of Flames Financial Planning, a flat-fee, membership-based financial planning firm dedicated to bringing peace and freedom to clients' financial lives, regardless of their net worth. The firm combines comprehensive services, including investment strategy, financial planning, tax filing, and estate planning, into one approachable subscription model.

Outside of work, Joel is a strong advocate for the idea that physical fitness directly enhances overall well-being and professional performance. An avid cyclist, he has completed three 70.3 Half Ironman triathlons. In his view, when fitness begins to slip in priority, work and finances often follow suit.

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3 Episode Key Takeaways 1. Progress Over Perfection: Joel emphasizes that striving for perfection can actually hold you back—what matters most is taking the first step and making consistent progress, even if your plans aren’t “set in stone.” This mindset shift can jumpstart your financial (and personal) growth journey.

2. Busting the Passive Income Myth: Many young professionals believe owning rental property is the only path toward financial freedom. Joel debunks this, stressing that there are many wealth-building strategies and that understanding your income, expenses, and goals matters more than chasing trends.

3. Confidence Transforms Hustle: Having a clear plan for your finances isn’t just about numbers—it builds confidence that spills over into every area of life. Joel explains how simplifying your financial life enables you to make more empowered decisions, freeing up energy to pursue what truly matters.

Show Overview:

00:00 Targeting Younger Clients for Services

03:59 "Impact of Small Financial Decisions"

09:29 Rethinking the Modern American Dream

12:59 Value of Early Consultation

13:40 Fear of Investing in Self-Improvement

17:20 Innovative Flat-Fee Financial Planning

22:18 Estate Planning: A Gift of Love

25:19 Open Communication for Financial Guidance

27:12 Gratitude and Opportunity Invitation