Adulthood Academy

There is so much pressure and messaging in the online world that you should “make it” in your first year of business. Join me in today's episode where we'll dispel that myth and give you actionable tips to build a sustainable, long-term business without taking out massive amounts of debt to do so. Find me online here:

The Federal Reserve (the FED) has a significant impact in your life and biz and yet, not many of us were formally taught about what the FED does, how they make monetary policy, the cost of purchasing a home and so much more. Join me today where we'll break down the functions of the Federal Reserve and how that relates to your life. Find me online here:

As you work to grow your business, ensuring that hard-earned money is going to fund “future you” is crucial. Join me for today's episode where we'll break down the basics of saving for retirement as a biz owner. Find me online here:

Managing money as an entrepreneur can be tricky. Between the swings in income as you work to build consistent months to feeling confident you're financially ready to outsource, there are so many things to think about. Join me for today's episode which will guide you through some principles of spending money as a growing entrepreneur. Find me online here:

For most people (80%, in fact) debt is a factor in your daily life. This episode is for you if you've reached the point that your debt payments are affecting your ability to provide for yourself and your family, you don't have enough money to contribute to your savings goals and it's a constant point of stress in your life. Hang around for this episode, I'll give you a series of situations which are telling you it's time to do something about that debt and I'll give you action points at the end of the episode so you have a solid place to get started! Find me online here:

Consumerism accounts for 70% of the US economy. So, really it's no wonder that we're consistently marketed to and companies spend billions of dollars in advertising. Now, I'm not condemning buying stuff -- using and spending your money is fantastic. Responsibly managing your money allows you to do all the amazing things that make you happy in your life. What we're discussing in this episode is OVEREXTENDING yourself with more purchases than are really necessary AND simply spending for the sake of spending, even if that purchase doesn't really serve you and your long-term goals. So, stick around for this episode. I'll help you identify areas where consumerism is hurting your long-term financial goals AND your ability to enjoy your money responsibly and give you some tools to take back control of that chunk of money. Find me online here:

I'm sure we've all been there. We check our bank account and find an amount that's less than we thought it was, you have big expenses coming up and you're not really sure how you're going to pay for them, you're putting off life expenses and stressed about all the things you need to catch up on once you get things sorted out. BEEN THERE. And honestly, it's a lifelong process and your finances will always ebb and flow. However, I'm going to give you some practical tips to reduce your stress surrounding money as well as some mindset based tips that you can lean on when that money stress peaks its head into your life. Find me online here:

If you don't have an emergency fund, that's gotta be priority number one, girlfriend. It'll serve as a safety net throughout your entire life + give you peace of mind when hard times hit, which will happen at least once in your life. Join me for today's episode, where I'll break down what you need one for, best practices for how to use it when the time comes, and give you some ideas to get started ASAP and get it done quickly. Find me online here:

Discipline can be hard to pin down and sometimes it feels like it comes and goes like the wind. But, I've found it's one of the few things that will open up so many possibilities. It's not something we “find” or try to catch it when it comes and goes, like motivation. Discipline needs to be cultivated. Stick around for this episode, as we'll be talking about all the amazing things discipline can do for you as well as how to begin cultivating it into your own life. Find me online here:

The point of you working, exchanging hours of your life, time away from your family, friends and pets is not to simply earn money and pay bills. It's never been strictly about the money. About stacking it up and feeling great about it. It's about using that hard earned money to afford you the freedom you want in your life. To go on vacation, to live debt free, to put beautiful things in your home that make you happy, to have a gorgeous garden at your house where you host get togethers with your greatest friends. That's it. It's there to give you freedom. This episode will help you reframe how you think about your money and give you a few action steps to bring it to life in your budget. Find me online here:

The minute we admit that we're not doing as great as we want to, we're putting ourselves on the hook to DO something about it. And that scares a lot of people. If we can avoid responsibility and always have something or someone to blame, we NEVER have to do anything to fix it. Because it's not OUR fault, it's the systems or society or your parents to blame. So, how do we shift our thinking and decide we can have anything we've ever wanted? Find me online here:

So, you're saving for retirement, but when you think about having all your retirement money in the stock market makes you feel uneasy? Or you're working to recession-proof your life, having a foundation of precious metals + how it works can be super helpful. I gotcha! There are so many options to help diversify your retirement savings and today we're going to talk about my go-to...precious metals! Find me online here:

Everything you think and believe has a source, positive or negative and that's what we're working through this episode. Also I think it's like trendy to talk about overcoming limiting beliefs and it can be a kinda abstract thing to think about...so I'm going to try to make this relatable and actionable! Find me online here:

This is exactly the $ problem I want for you -- deciding what to do with your extra money at the end of each month. I'll walk you through a kinda roadmap which will help you decide how to prioritize any extra funds to best serve you! Find me online here:

I'm sure you've heard the age-old adage that “renting is throwing away money.” I'm going to give you an argument for why it may be advantageous for you to keep renting + give you some things to have in order before buying your first home! Find me online here:

Just like with anything in life, sometimes motivation + accountability run short when it comes to your finances. Life is hectic and we lose track of our spending for a couple of weeks and we're left in a state of feeling completely unmotivated and like there's no point in getting back on track. This episode is for you if you've fallen off track with your money goal or you're running low on motivation to continue! You'll leave this episode with an easy, actionable plan! Find me online here:

Having a money credo to live by not only helps you feel more in control of your money, but also helps to guide your money decisions. AND, the kicker? Most people don't have a set of guidelines for themselves! This episode, I'll be covering my favorite money maxims that I live by and which have allowed my clients to thrive with their money. Find me online here:

Welcome to the Season Two Premiere of The Adulthood Academy Podcast! It's hard enough to stay on track with your spending and savings priorities without the influence of social media. Every single day we're inundated with images and videos of people living lifestyles that may not necessarily be realistic for us. And it's really no wonder that we have debt and spending problems when we see other people's "wealth without context." Hope you enjoy this episode and to celebrate this re-launch, I'm doing a fun (and useful!) giveaway! If you want to enter the giveaway, simply: *SUBSCRIBE to The Adulthood Academy Podcast * RATE the Podcast * REVIEW and leave your @ in the review so I know to enter you into the giveaway! + a bonus entry if you SHARE The Adulthood Academy on social media Giveaway closes on: March 5th The winner will receive: * One copy of my 12 Month Budget Planner * 60 Minute 1:1 Budget Strategy Session with me to get you up and going with a plan! Find me online here:

It's been a helluva year; here's what I'll be doing (and what I recommend to you) to close out 2020 and start thinking about where I want to be financially in 2021! Find me online here:

On today's episode, we're discussing the difference between setting performance based goals vs. mastery based goals when it comes to your finances. Having a long-term strategy with your money will not only allow you to maintain a positive mindset and be more resilient, but also has a higher rate of success! Find me online here:

Americans impulse spend over $300,000, over the course of their lifetimes. That is a massive amount of money which was never given an actual purpose. Imagine what you could do with that money instead...pay for a home in cash, take a yearly vacation, retire early, invest, buy an investment property.... When we give our money a purpose and put it to work for us, we're much less susceptible to impulse spending on such a large scale. Find me online here:

The minute you start giving power to the things you have control over financially the less you will have to struggle. Find me online here:

Taking the time to plan for your Holiday spending can make a huge difference; we all know how spending can get out of control so quickly in these last few months of the year. Ensure you've set your boundaries around Holiday spending and you're taking control over your money. Find me online here:

The hardest thing to do in regards to your finances is getting to the point where you understand you could be doing things more effectively. Once we get to the place where we know we are struggling, or could be doing better, it's all up from there -- it's just about taking action. Find me online here:

I'm a firm believer that whatever we think we are capable of financially will become our reality. If you know you'll be in debt forever and there's no possible way you can pay it off, then you will mold your life accordingly. This week, I'm challenging you to identify how you may be thinking about your finances in a negative light and begin to re-write those stories. Find me online here:

Becoming financially responsible and successful is no easy (or overnight) task. It requires us to give up the bad habits and tendencies that negatively impact our money situation. Here are seven things we simply have to put in the past in order to succeed financially! Find me online here:

Finances are cited as one of the top reasons for couples getting divorced. In this episode, I give you a few ways to get the money conversation going, understand your partners values when it comes to money, and how to make productive and positive money conversations a regular part of your relationship. Find me online here:

Making a variable income every month can make your finances feel so chaotic. Here's the tried and true way to balance out your money each month and prepare yourself for making different amounts and still be capable of covering all your expenses and not having to stress. Find me online here:

No, you don't need to use a credit card regularly. Yes, you do still need a good credit score. Here's how you can do both. Find me online here:

Taking the time to visualize how your life could look if you had no more debt can be a game-changer in altering your money habits! Find me online here:

I recommend doing this same process to every single person I work with. It's a sure-fire way to gain back control of your money, stay on top of paying off credit cards and methodically save for everything you want. Find me online here:

If the whole budgeting thing overwhelms you, here are the first three steps of the process to get ya started. It doesn't need to be an intimidating process; you just have to start! Find me online here:

Getting out of the cycle of living paycheck to paycheck is SO hard. I'll walk you through the steps I do with everyone I work with so you can implement them yourself with your August budget! Find me online here:

Today, we're discussing the difference between setting outcome based goals and identity based goals. Learning to embody the characteristics of the person who achieve what you want for yourself will allow you to not just reach your goals, but to implement the characteristics of someone who sticks to them for life. Find me online here:

If you continued your current spending and saving habits, will you be better off 10 years from now? This is something I like to ask everyone who I work with; take the time today to examine your money habits and compare that with your financial goals. Is it time to make today the first day of mastering your money, or will you continue to put it off until it's too late? Find me online here:

With an unbelievable number of people applying for unemployment and the uncertainty of an end in sight, getting a handle on your budgeting while on unemployment will be crucial. Listen to this week's episode for putting together your plan and what to do if your UI doesn't cover all of your expenses. Find me online here:

Getting out of debt was the best thing I ever did for myself. With SO many Americans carrying debt, I can bet it would make your life a heck of a lot easier to be debt-free. Today's episode will cover the two ways you can tackle your debt. Find me online here:

We ALL lose track of our spending and saving and it happens frequently as life is unpredictable. Putting these min-budgets to work can help save you as the alternative is typically to write off the whole month and start on the 1st of the following month. But, what happens in-between all that time? Well, we generally over-spend, lose track of our goals, and lose momentum and motivation. Mini-budgets are the perfect way to combat that. Join The Wealth Academy! Find me online here:

As we progress through our financial lives, we should all be looking toward building generational wealth as a long-term goal. Listen to today's episode for the common ways to build it, why it's important and a kick in the ass about why it may be YOUR turn to pick up the responsibility. Find me online here:

We've all had some impulsive purchases or ill-advised investments that we decided to part with our money for. It happens to every single one of us. Today's episode is all about learning to move beyond these feeling of guilt or shame toward our spending. Find me online here:

As you work to accomplish the BIG goals in your life, you'll need to find the people in your life who are believers. If we trust sharing the things we want to do with people who aren't necessarily supportive or understanding, we have to know we can emotionally and mentally handle whatever their response is -- especially if it's negative! Find me online here:

In today's episode, we're discussing how to lean in to whatever your current money situation is. Many of us get hung-up in whatever money story has been written for us throughout our lives and let that mindset seep into our adult lives. Find me online here:

In today's episode, we're breaking down the negative connotation that you're greedy if you want to make lots of money. Shifting your mindset when it comes to your finances is going to give you BIG breakthroughs. Find me online here:

This method of future mapping has been discussed in academic journals and studies for decades, but bringing it into our daily practice is going to help you spend time every single day working to become the highest version of yourself. In today's episode, I'll walk you through 5 steps you can start on today and giving you examples of how you can spend 10 minutes every morning working on this. I'd also like to thank Taylor Slango for introducing me to this method and encouraging me to make it a daily practice. Find me online here:

Ever wondered what all the fuss about high-yield savings accounts was? I gotcha, friend! Find me online here:

Let's talk about allllll the ways we self-sabotage ourselves when we're on the cusp of BIG breakthroughs! It'll be fun, I promise! Find me online here:

This week's episode is all about learning to embrace the "bad" feelings and turning them into something beneficial. I'm giving you one of the tools I use when life seems like a little too much, or there are big changes happening. As right now is probably one of those times for you, give it a try and I'd love to know if it helps you feel more in control! Find me online here:

The world is unreal right now; we're all aware. For most people this includes some kind of change in your money. Whether you are cut down on hours, completely out of work for awhile, or living on credit, here are my suggestions for what steps you can take based on which scenario is your new reality. Find me online here:

You know how you've gone through certain life stages thinking...."why the f didn't anyone teach me this?!" This is Adulthood Academy where we can learn and grow together! I'll be talking about everything from sorting out finances to navigating relationships of all kinds. Join me First Fridays (the first Friday of every month) and we'll figure out adulthood together! Find me online here:

In today's episode, I'm chatting with Samantha Peterson from Raise A Little Wonder all about prioritizing family travel, tips + tricks for traveling with young children and seeing the value in taking more local vacations.

Unless you are traveling solo, there will come a time when someone you are traveling with will start to annoy the shit out of you. Maybe it's your friends' friend who they invited, or usually, in our case, Audriana and I just spending SO much time together that we start to get on each other's nerves.  So, we're going to share our best tips and tricks for getting through a trip when you're with someone who you don't particularly LOVE. And even for those trips you take with your best friend or your significant other, traveling can be stressful as shit and you'll most likely end up being pissed off at one another for awhile at some point.  Hang out with us on Social Media: Find us here: The Rambling Gals Instagram for our travels, tips, and life, in general. And don't forget to see the show notes from this episode, with extras and links to specific things discussed during the episode. You can find our archive of podcast episodes on our website here: The Rambling Gals Podcast Archive. Join the Show: We'll be answering YOUR travel questions and the end of each episode! You can join the show by sending us your questions here: Join the Show Take advantage and use us as your trip planning resource! Whether you need help choosing a destination, learning how to budget effectively for your trip + how to save or anything else that is holding you back from taking your trip, we're here to help.