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Queer Money®: How Gay People Do Money

Queer Money®: How Gay People Do Money

By: Queer Money
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Queer Money is a bi-weekly show dedicated to creating desperately needed generational wealth within the gay community because we deserve to sleep better at night and we must stand up to the anti-LGBTQ+ industrial complex. Listen and watch regularly to eliminate financial insecurity and generate personal wealth, prepare for a secure and fun retirement, find the most affordable, LGBTQ+-friendly cities in the US to live in or travel to, grow your stock portfolio to $1,000,000+, build a real estate empire and start a small business. Your hosts are husbands and money experts David & John Auten-Schneider who have been the leaders in LGBTQ+ finance since 2015. With nine seasons, nearly 500 episodes, over a million downloads and features by Oprah, Advocate, Variety, CNBC and more, the award-winning Queer Money is the longest running show made by and for the LGBTQ+ community and is the only show solely dedicated to our financial well-being as gay people. · For more financial information and helpful resources, visit queermoneypodcast.com · For complementary charts and grafts (and pretty pictures), subscribe to Queer Money on YouTube @ https://www.youtube.com/@queermoney?sub_confirmation=1Registered Trademark. All rights reserved. Economics Social Sciences Travel Writing & Commentary
Episodes
  • Why GenX Retirement is Harder | Queer Money Ep. 635

    Why GenX Retirement is Harder | Queer Money Ep. 635
    Mar 31 2026
    Why GenX Retirement Is Harder Than Boomers or Millennials

    GenX retirement was supposed to be simple: work hard, save consistently, retire comfortably. Yeah... about that.

    In this episode of Queer Money, we break down why GenX retirement feels so much harder than what boomers often describe and what millennials get all the headlines for. For many Gen Xers, especially gay Gen X men, retirement planning has been shaped by market crashes, the shift from pensions to 401(k)s, rising debt, mortgage pressure, and a culture that told us to figure it all out ourselves. In other words, classic GenX: no map, no backup, and somehow we’re still expected to make it look easy.

    We unpack the seven major reasons retirement has been harder for Gen X, including getting caught in the pension-to-401(k) transition, entering adulthood around recessions and Black Monday, carrying more consumer and student debt into peak saving years, and taking major hits from the dot-com crash and Great Recession at the worst possible moments. If you’ve ever looked at your retirement accounts and thought, “Why does this feel harder for us?” this episode gives language, data, and context to what many GenXers have lived through.

    We also go deeper into what makes gay GenX retirement even more complicated. Gay Gen Xers are the first large cohort of gay men to survive into retirement after coming of age during the HIV/AIDS crisis. That shaped how many of us think about money, aging, planning, and whether we even expected to live long enough to retire. Add in decades of workplace discrimination, being closeted on the job, lower earning opportunities, and a stronger pull toward living for today, and you’ve got an entirely different retirement equation.

    This episode is honest, validating, and practical. We also walk through how a retirement gap can play out in real life using the Happy Gay Retirement Calculator, showing the difference between retiring with not enough and retiring with room to breathe.

    Takeaways in this episode:
    • Why GenX retirement planning got harder when pensions disappeared
    • How market crashes and recessions hit Gen X at critical wealth-building years
    • Why debt, mortgages, and caregiving are slowing retirement progress
    • What makes gay GenX retirement different from other generations
    • How to start closing the gap and build a more confident retirement plan

    If retirement feels harder than it should, you’re not broken. You’re Gen X. And there are still smart ways to make the next chapter fabulous.

    Chapters:
    • 00:00 Intro
    • 01:43 - The “pensions → 401(k)” swap
    • 03:18 - ‘Double Dip’ Recessions
    • 05:17 - Calculator Intro
    • 06:17 - Calculator example 1
    • 12:51 - Calculator example 2
    • 14:26 - More consumer-debt baggage
    • 16:02 - Dot Com crash
    • 18:51 - Great Recession
    • 21:17 - First generation to “survive into retirement”
    • 24:24 - The last workplace ‘closeted generation'
    • 25:36 - Outro

    Mentioned in this episode:

    Get Your Portugal Golden Visa Here!

    Make your retirement fabulous!

    Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!

    Queer Money Retirement Vault

    Want the confidence to retire when and how you truly want?

    If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement!

    Queer Money Retirement Mentorship

    Your fabulous retirement in Portugal is calling!

    Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!

    Get Your Portugal Golden Visa Here!
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    31 mins
  • Chile's Top 5 Cities for Gay Retirees | Gay Chile | Queer Money Ep. 634

    Chile's Top 5 Cities for Gay Retirees | Gay Chile | Queer Money Ep. 634
    Mar 24 2026
    Gay Retirement in Chile: 5 Cities Where You Can Live Well for Less

    What if your retirement looked like this: ocean views, wine country weekends, and rent under $800 a month?

    In this episode of Queer Money, we’re diving into one of the most underrated destinations for gay retirement abroad—Chile. If you’ve been dreaming about leaving the U.S. but still want modern infrastructure, strong healthcare, and political stability, this might be your place.

    Chile isn’t the cheapest country in Latin America—but that’s exactly why it works. You get higher quality of life, better systems, and more stability than many alternatives, often at half the cost of living in the U.S..

    We break down the top 5 cities in Chile for gay retirees, including what it actually costs to live there, what the LGBTQ+ vibe feels like, and where your retirement dollars stretch the furthest.

    From the big-city energy of Santiago to the artsy, queer-friendly streets of Valparaíso, these locations offer a mix of affordability, lifestyle, and community that many gay men 45+ are looking for right now.

    Here’s what you’ll learn:

    1. • The #1 city in Chile for gay retirees (and why it feels like Brooklyn meets the Pacific)
    2. • Where you can find 2-bedroom apartments for $600–$750/month
    3. • Which cities offer the best mix of LGBTQ+ community and affordability
    4. • How Chile compares to the U.S. in cost of living (often 40–55% lower)
    5. • The reality of LGBTQ+ rights and protections in Chile today

    If you’ve been Googling “retire in Chile,” “gay Chile lifestyle,” or “best countries for gay retirement,” this episode gives you the real, on-the-ground breakdown.

    Because a fabulous retirement doesn’t just happen—you build it.

    Chapters:
    1. 00:00 - Intro
    2. 01:07 - Santiago
    3. 02:52 - Viña del Mar
    4. 04:05 - About Chile
    5. 04:46 - Valdivia
    6. 05:51 - La Serena
    7. 08:02 - Valparaíso
    8. 09:16 Outro

    Mentioned in this episode:

    Want the confidence to retire when and how you truly want?

    If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement!

    Queer Money Retirement Mentorship

    Your fabulous retirement in Portugal is calling!

    Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!

    Get Your Portugal Golden Visa Here!

    Get Your Portugal Golden Visa Here!

    Make your retirement fabulous!

    Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!

    Queer Money Retirement Vault
    Show more Show less
    13 mins
  • 11 Things We're Not Buying in 2026 to Be Happier | Queer Money Ep. 633

    11 Things We're Not Buying in 2026 to Be Happier | Queer Money Ep. 633
    Mar 17 2026
    Our Commitment to Stop Wasting Money on Worthless StuffWe’re not broke. We’re just done paying luxury prices for low-value lives.In this episode of Queer Money, we’re breaking down the 11 things we’re not buying in 2026 because too much of what people spend money on today is just worthless stuff dressed up as self-care, status, or convenience. And for too many gay men, those purchases quietly lead to stress, lifestyle inflation, and staying stuck one paycheck away from panic.This isn’t about deprivation. It’s about finally seeing the difference between what looks fabulous and what actually builds a fabulous life.We’re talking about everything from upgrading phones too often, designer clothes, seasonal home décor, and movie theater prices, to buy now, pay later traps, new cars, 50-year mortgages, and spending money just because you technically can. We also get honest about the kind of spending habits that keep many of us chasing appearances instead of building freedom, peace, and options.If you’ve ever looked around and wondered why so much modern spending feels expensive, underwhelming, and weirdly empty, this episode is for you. Because the truth is, we didn’t get calmer, happier, more financially secure lives by making endless amounts of money. We got there by spending with intention and investing the difference.For gay men over 45 especially, this matters. The pressure to look successful, stay relevant, and buy into convenience culture can be intense. But real wealth doesn’t come from collecting status symbols. It comes from owning your choices and refusing to waste money on things that don’t improve your life.In this episode, you’ll hear:The 11 things we’re not buying in 2026Why so much “luxury” spending is actually low-value spendingHow worthless stuff delays retirement, freedom, and peace of mindWhy intentional spending can buy more happiness than status ever willHow to stop financing a lifestyle and start funding your futureIf your money keeps disappearing faster than your patience at brunch, this conversation may be the reset you need.Takeaways:Intentional spending beats performative spending.Luxury isn’t always value.Many of the things we’re told to buy are distractions from real freedom.The less you waste on low-value habits, the more you can invest in happiness, mobility, and early retirement.Chapters:00:00 - Intro00:58 - New Phones01:45 - Food Delivery02:17 - New Home Goods & Seasonal Decorations02:45 - Big-Chain Quick-Casual Restaurants04:08 - Designer Clothes04:47 - Movie Theaters05:07 - Curated Thrift Stores05:38 - “Low” Monthly Payments06:36 - New Cars06:57 - Trump’s 50-Year Mortgage07:50 - Buying Things Just Because We “Can Afford Them”08:27 - OutroMentioned in this episode:Your fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!Get Your Portugal Golden Visa Here!Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement MentorshipMake your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement Vault
    Show more Show less
    12 mins

Featured Article: The Best Inspirational Podcasts Showcasing Humanity’s Hope, Heart, and Courage


Sometimes all it takes to get back on track or out of a funk is a new perspective, an encouraging pep talk, or a reminder that we're not alone in our struggles. Whether you're looking for a great self-help podcast to encourage personal growth or motivational podcasts showcasing stories about how your favorite writers, artists, and leaders got to where they are, you'll find something in our collection of outstanding inspirational podcasts.

Featured Article The Best Inspirational Podcasts Showcasing Humanity’s Hope Heart and Courage
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