Hey there!

I'm Bobby Hoyt...

On this site, I teach Millennials how to make more money, save more money, and pay off debt so that they can live their best financial lives (and maybe drink some boujee wine or enjoy some fresh af avocado toast here and there). 

I’m not a trust fund baby.


I’m a former high school band director that paid off $40,000 of student loan debt in 18 months (on my teaching salary). Since then, I’ve started tons of side hustles and online businesses to put myself on a path to financial freedom, and I’ve dedicated my entire life to helping M$M readers get ahead financially too.

I’m definitely not here to take your lattes away.


Want to keep enjoying Starbucks? Do you like drinking some boujee wine after a hard day’s work? Maybe you like going out to eat every once in a while to celebrate something big in your life. That’s totally fine with me, and if you do want to keep those things while getting ahead financially, you’re in the right place.

I’m also not here to judge you.


If you’re tired of personal finance gurus that make you feel bad for every financial mistake you’ve ever made… you’re going to like it around here a whole lot. A) Because I’m not a “guru”, and B) I’m just not about that judgment life. Student loans, crappy jobs that don’t pay well, and financial hiccups that you’d like to leave in the past suck enough without me piling on too. 

Here are a few things about me:

  • I went to college at a public school in Texas and got a degree in Music Education
  • I came out of school with $40,000 of student loan debt
  • I went to crazy/embarrassing lengths to pay off my debt in 18 months
  • I became really passionate about personal finance
  • I started M$M to teach my high school students about money
  • I quit my teaching job after I made $3 in display ads from the site
  • I have millions of readers per year and own multiple online businesses that I run from my computer
  • I’ve been featured on Forbes, Reuters, Business Insider, CNBC, Yahoo Finance, and many more cool money sites

Now don’t get me wrong - I didn’t mention all of that to brag. I’m just trying to help you get to know me really quickly. In between all of the cool things I’ve done in life so far, I’ve had tons of failures, anxiety, panic attacks that I would fail or go broke with this whole thing, and on and on just like most other normal people.

I’m not perfect, and I don’t expect my readers to be at all. But I am honest, and I work really hard to make sure that everyone in the M$M community gets ahead by providing in-depth information on personal finance apps and tools, awesome side hustles, and tons of strategies for paying off debt.

My basic philosophy at M$M is simple: I’m going to teach you how to make more money, save more, and pay off debt… and make sure you have fun while you do it.

I apply my philosophy to everything I do here at M$M - whether it’s the emails I send letting you know about new blog posts, the private FB group that is over 10,000 M$M readers strong and counting, and all of the blog posts and resources you’ll see on the site.

What is Millennial Money Man about?

There isn’t one path to success in personal finance. Maybe you want to be ultra-frugal and pay off your debt quickly and start investing, or maybe you don’t want to give up as much stuff and take your time getting to where you want to go.

This site is designed to help you do personal finance the way that you want to, without someone breathing over your neck and scolding you for being “wrong”.

I’ve seen a little bit of everything from my audience.

Moms struggling to raise kids while dealing with $150,000 of student loan debt.

Recent college grads that aren’t making enough money at their day jobs to pay the bills or save money.

People who are doing alright, but just want to figure out how to make some extra cash to do fun stuff like take more vacations or get some boujee wine every once in a while (I like wine if you haven’t noticed yet). 🙂

Everyone comes to the site in a different place, which is cool because we all learn from each other in the M$M community. That’s while you see a ton of different kinds of content to help you no matter where you are right now.

Here are a few posts that will give you a good idea of what you can expect from M$M:

    My story:

    You know how you see all of these personal finance experts that seem like they’ve never made a single personal finance mistake in their life?

    Well… that was not me haha. And it really still isn’t. I’ve definitely figured some things out and put myself on a path to reaching financial independence at a relatively young age, but it wasn’t because I was just born with some kind of instincts for personal finance.

    In fact… I knew literally nothing about money for the first few years of my adult life.

    Coming out of college with $40,000 of student loan debt

    Like a lot of people my age, I thought that I was supposed to go to college, get a degree, and then live happily ever after with the career that I picked.

    So what did I do? I decided I’d become a band director, because that was pretty much the only thing I was good at in high school.

    My grades sucked, I wasn’t organized, I wasn’t top of my class, and I certainly couldn’t run fast enough or jump high enough to be good at sports. Womp womp.

    But I was good at music, so that was that. I went to a public college for 5 years (I can feel you judging me right now how dare you), graduated, and got a job teaching band in Texas.

    The only problem? I had $40k of student loan debt.

    Long story short, a wealthy friend of my wife’s family took us water skiing one day on his boat, and he started asking me about my loans.

    That’s when I realized I had no real plan to pay them off, and also didn’t know a damn thing about personal finance. So he convinced me to pay off my loans as quickly as I could, and for whatever reason back then I was still impressionable enough to listen to good advice (I’m a little more stubborn these days haha).

    Paying off the loans

    So obviously, I wasn’t making a ton of money as a teacher. The only things I could really think to do was keep my living expenses as low as possible and throw everything I could at the loans.

    This is where it gets embarassing…

    … I moved in with my in-laws and rented a 10x10 bedroom from them for $500/month with my wife.

    Then, I proceeded to live like a monk until the loans were gone 18 months later. No vacations, no new car, no fun stuff really, and definitely no privacy.

    It sucked. I was ultra-frugal to pay off my debt, and it was fairly miserable. That’s why I don’t really preach that everyone else approaches the debt repayment the way I did. I focus on helping people make more money so that they can still do the things they like in life.

    Paying off debt doesn’t have to be miserable unless you’re kinda crazy like I was and just want to make the debt go away sooner.

    Oh… one other thing. I was also stupid back then - I didn’t have any money saved up when I was paying the debt back. One health scare and I would have been totally screwed.

    So typically I tell M$M readers to be smarter than I was and learn from my mistakes.

    Starting Millennial Money Man and leaving my teaching job

    After I paid off the debt, I got really passionate about personal finance. I started teaching my students personal finance lessons during their advisory period.

    Yeah, I was supposed to be teaching them whatever dumb lessons the Principal made up for that day, but I realized pretty quickly that kids wanted to know a lot about personal finance.

    So I taught them about interest rates, how to read a credit report… you know, the basic stuff.

    At the same time, I started figuring out how to start a blog in my hours after work at my in-laws’ kitchen table (beer in hand), and eventually bought MillennialMoneyMan.com.

    Fast forward six months, and I had made $3 from display ads. I was so miserable at my job at that point, and had been saving up money with my wife after the loans were gone.

    She saved up to pay for our wedding in cash, and I saved up so I could eventually bail from my job.

    But, I kinda screwed the whole thing up and ended up leaving my teaching job to run M$M full-time like a month before we got married.

    Don’t worry. We’re still together somehow. 🙂

    Starting a side hustle to pay the bills

    Blogging is a great way to make extra money, but it isn’t really a fast way to do it. So while I was trying to “make it” with M$M, I started doing digital marketing work as a side hustle to make money in the short-term so my wife didn’t leave me for being an idiot with my leap of faith.

    I managed websites, did email campaigns, and ran Facebook ads for local businesses - all self-taught.

    Having that side hustle income was a game changer, and it allowed me to really spend time building the M$M audience.

    Then one day, my student loan success story was featured on CNBC. It was crazy. Everything blew up after that.

    All the hard work I had put in started to pay off, and I finally was making a full-time living from my site while still doing the marketing work on the side.

    Creating Laptop Empires

    For the next couple of years, I kept building my audience here at Millennial Money Man. I had a really tight group of readers, mostly because I go out of my way to answer every email I possibly can and hang out with my readers in the private Facebook group.

    So I got to know my readers really well and understand exactly what they needed from me.

    It turned out that a lot of them were looking for a way to make extra money in their spare time so that they could save more, invest more, and pay off debt.

    Around that time I met up with a friend from high school named Mike Yanda (we were in band together). He was running Facebook ads for local businesses and had built an entire agency.

    We were just talking one day and he mentioned that I should teach the M$M audience how to run Facebook ads as a side hustle, and it all clicked:

    • It pays well for the amount of time it takes (the going rate for FB ad management is $1,000 per month
    • You don’t have to be a computer genius to create the ads
    • It’s scalable because you can stack clients on top of each other

    I didn’t want to do the course on my own, so I asked him if he wanted to team up and help me make the Facebook Side Hustle Course.

    We launched the course back in January of 2018, and it was a massive success. We did $130,000 of revenue in a single weekend, and the rest was history.

    Later that year, we started Laptop Empires, where we teach people legitimate ways to make extra money online.

    Here’s where this whole story comes together

    So basically, I’ve been through it all at this point. Broke, in debt, in a job I hated, underpaid.

    And I’ve been on the other side. Making more money than I ever thought I would, doing something I love, and helping a whole lot of people improve their lives by teaching personal finance and entrepreneurship through my sites.

    What am I doing next with M$M?

    I’m in a good place right now if we’re being honest here. I wake up every day and legitimately enjoy hanging out with all of the M$M readers.

    The best thing in my day is when a reader sends me a message that they paid off their student loan debt, started making extra money through a side hustle, or was able to negotiate a better salary at their job because of something they learned from this site.

    That’s really what it’s all about for me these days - helping as many people as possible. I don’t care if you’re new to personal finance, or if you’re on your way to retiring super early.

    I’m just here to teach what I’ve learned along the way through my journey and have fun doing it.

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