Coffee and Coin Podcast

Have you ever been told "No" when negotiating your salary?  In this episode, Joy M shares her creative negotiation tactics, how she went from being a "saver" to being an "investor", and her biggest takeaways from joining the Wealth Circle. Plus, you'll get to hear the fun story about her incredible dog that walks itself!   LISTEN TO LEARN: 01:30 Treadmill Walking Dog 04:54 Job Title & Salary 06:00 Negotiate Beyond No 14:13  High Yield Savings 18:24 Genius 401K Strategy 24:01 Emergency Fund Tactics   RESOURCES Join the Wealth Circle: factorawealth.com/wealth-circle Join 6 Figure Savings: factorawealth.com/6-figure-savings Join our FREE email mini-course and start building wealth today: factorawealth.com/wealth-building-101   FOLLOW Instagram: www.instagram.com/factora_wealth/ YouTube: youtube.com/@factora_wealth Visit our website: www.factorawealth.com   Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

Are you facing unemployment and racking up debts because of it? Do you feel like you're not moving fast enough towards your financial goals? In this episode, Shelly G. opens up about her turbulent 10-month-long unemployment journey and how she came out the other side. Although she accumulated almost $40,000 worth of debt, she has already made headway in paying it off, landed her dream job, and has creatively reduced her expenses.  LISTEN TO LEARN: 03:18 Shelly's G #MoneyWin 06:39 Her 2024 Word "Optimize" 10:50 Is Credit Card Debt Bad? 13:39 An Unplanned Sabbatical 29:44 Shelly's G Net Worth 34:00 Financial Accountability Partner RESOURCES Join the Wealth Circle: factorawealth.com/wealth-circle Join 6 Figure Savings: factorawealth.com/6-figure-savings Join our FREE email mini-course and start building wealth today: factorawealth.com/wealth-building-101 FOLLOW Instagram: www.instagram.com/factora_wealth/ YouTube: youtube.com/@factora_wealth Visit our website: www.factorawealth.com   Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

Want to get your kids more interested in investing but don't know where to start? In today's episode, Allegra is joined by Erika S., who has been talking to her kids about money since they were in the crib. Fast-forward 16 years, and her oldest has just opened a HYSA and is well on her way to a million-dollar net worth! Erika S. lays out her strategies for getting kids curious about wealth building from an early age and all the incredible takeaways she's gained from the Factora Community.  LISTEN TO LEARN: 06:25 Talking to kids about money 17:15 Opening an HYSA for her 19-year-old 19:30 Why HYSAs are so effective 23:00 Takeaways from Factora RESOURCES Join the Wealth Circle: factorawealth.com/wealth-circle Join 6 Figure Savings: factorawealth.com/6-figure-savings Join our FREE email mini-course and start building wealth today: factorawealth.com/wealth-building-101 FOLLOW Instagram: www.instagram.com/factora_wealth/ YouTube: youtube.com/@factora_wealth Visit our website: www.factorawealth.com   Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

Are you planning a wedding and looking for cost-saving strategies? Unsure of how to talk to your partner about finances? In this episode, Chris P. shares her personal take on wedding planning with her partner, focusing on how they're designing a celebration that not only honors their values, but also respects their financial goals. Chris also opens up about her fertility journey, highlighting the hidden costs and hurdles while preparing for a baby.  LISTEN TO LEARN 7:00 #FinanceFlirting 18:00 Cutting Wedding Costs 25:00 Wedding Budgeting 27:30 Prenuptials 30:00 Fertility Journey RESOURCES Join the Wealth Circle: factorawealth.com/wealth-circle Join 6 Figure Savings: factorawealth.com/6-figure-savings Join our FREE email mini course and start building wealth today: factorawealth.com/wealth-building-101   FOLLOW Instagram: www.instagram.com/factora_wealth/ YouTube: youtube.com/@factora_wealth Visit our website: www.factorawealth.com   Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

Have you been curious about the Wealth Circle but have yet to pull the trigger? Now's your chance!    In this episode, Allegra unveils exciting changes to the Wealth Circle, including a new self-paced course format. This format offers you more flexibility to learn at your own pace, ensuring you get the most out of your wealth-building journey.    RESOURCES Join the Wealth Circle: factorawealth.com/wealth-circle   FOLLOW Instagram: www.instagram.com/factora_wealth/ YouTube: youtube.com/@factora_wealth Visit our website: www.factorawealth.com   Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

Want to pay off your mortgage in 10 years instead of 30?   In this episode, Sarah B.L. shares the nitty-gritty details of how she paid off 25% of her mortgage in just two years—and how she's on track to pay off her 30-year mortgage in just 10 years. She explains why this decision was the right choice for her family, the difference between good debt and bad debt, and how talking about money made her a more confident investor.   LISTEN TO LEARN 04:00 - Financing Her First Home 10:30 - How She Pays Her Mortgage 14:30 - Her Home Buying Strategy 21:00 - Her Factora Learnings   RESOURCES Learn more about the Wealth Circle: factorawealth.com/wealth-circle Join 6 Figure Savings: factorawealth.com/6-figure-savings Get our FREE financial framework workbook: factorawealth.lpages.co/grow-net-worth-workbook Get our FREE investing checklist: factorawealth.lpages.co/investing-checklist/   FOLLOW Instagram: www.instagram.com/factora_wealth/ YouTube: youtube.com/@factora_wealth Visit our website: www.factorawealth.com   Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

Did you know that you have until April 15th, 2024, to contribute to your 2023 IRA?  If you haven't maxed yours out yet, this episode will share everything you need to know about making the most out of your IRA.  Allegra and Whitney explain everything you need to know about the difference between Roth and Traditional IRAs, the restrictions on contributing to and withdrawing from IRAs, and why IRAs are great investments. LISTEN TO LEARN What an IRA is, and why you may want one even if you already have a 401(k) How to make the most of your IRA and avoid costly penalties A breakdown of the different types of IRAs - Roth, Traditional, SEP, and SIMPLE How to determine which IRA is right for you and your goals What action steps to take to open an IRA account    RESOURCES Learn more about the Wealth Circle: factorawealth.com/wealth-circle Join 6 Figure Savings: factorawealth.com/6-figure-savings Get our FREE financial framework workbook: factorawealth.lpages.co/grow-net-worth-workbook Get our FREE investing checklist: factorawealth.lpages.co/investing-checklist/   FOLLOW Instagram: www.instagram.com/factora_wealth/ YouTube: youtube.com/@factora_wealth Visit our website: www.factorawealth.com   Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

Feeling lost in the maze of financial tools and platforms? Curious about how others structure their finances for success?" In this episode, Tay and Allegra peel back the curtain on their finance game, sharing the ins and outs of their account setups and the nifty tools that keep them sharp. From daily checks to annual overhauls, you'll discover the nitty-gritty of how they effortlessly stay on top of their finances. LISTEN TO LEARN 04:07 - Taylor's Account Breakdown 07:47 - Lifestyle Analysis 14:05 - Taylor's Financial Maintenance 21:18 - Allegra's Account Breakdown RESOURCES Learn more about the Wealth Circle: factorawealth.com/wealth-circle Join 6 Figure Savings: factorawealth.com/6-figure-savings Get our FREE financial framework workbook: factorawealth.lpages.co/grow-net-worth-workbook Get our FREE investing checklist: factorawealth.lpages.co/investing-checklist/ FOLLOW Instagram: www.instagram.com/factora_wealth/ YouTube: youtube.com/@factora_wealth Visit our website: www.factorawealth.com Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

Are you hesitant about mixing business with friendship? Waiting to find your forever partner before purchasing a home? In this episode, Stef—AKA Stefania—shares her journey of blending business with pleasure and harnessing the power of partnership to grow her real estate portfolio to an impressive 19 properties! Whether considering investments with friends, family, or both, this episode provides the insights and guidance necessary to confidently and clearly navigate the complexities involved. LISTEN TO LEARN 03:32 - Stef's Real Estate Portfolio Breakdown 08:00 - "Houses before Spouses" 21:00 - LLC's & Operational Agreements 26:00 - Real Numbers & Examples 47:00 - 1031 Exchange   RESOURCES Learn more about the Wealth Circle: factorawealth.com/wealth-circle Join 6 Figure Savings: factorawealth.com/6-figure-savings Get our FREE financial framework workbook: factorawealth.lpages.co/grow-net-worth-workbook Get our FREE investing checklist: factorawealth.lpages.co/investing-checklist/   FOLLOW Instagram: www.instagram.com/factora_wealth/ YouTube: youtube.com/@factora_wealth Visit our website: www.factorawealth.com   Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

Curious about what it takes to start your own side hustle or invest in startups? Are you ready to unlock the secret to building a seven-figure net worth? In this episode, we're sharing a recording from our January Community Event, where three Wealth Circle graduates joined Allegra to share their transformative journeys and strategies, including a remarkable transition from a $62K salary to an impressive $200K a year and another inspiring tale of a net worth leap from $60K to a staggering $682K.   LISTEN TO LEARN 04:45 - Success Stories of Wealth Circle Alumni 18:50 - Investment Asset Classes 20:00 - Starting A Food Truck Business 24:00 - Real Estate Investing 37:50 - Talking about Money 43:00 - Wealth Circle Q & A   RESOURCES Learn more about the Wealth Circle: factorawealth.com/wealth-circle Join 6 Figure Savings: factorawealth.com/6-figure-savings Get our FREE financial framework workbook: factorawealth.lpages.co/grow-net-worth-workbook Get our FREE investing checklist: factorawealth.lpages.co/investing-checklist/   FOLLOW Instagram: www.instagram.com/factora_wealth/ YouTube: youtube.com/@factora_wealth Visit our website: www.factorawealth.com   Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

Is it ever too late to start investing? Can understanding your 401k really make a difference in your financial future? In this episode of Coffee and Coin, our Founder & CEO Allegra breaks down how she built a million-dollar net worth in less than 5 years while making $75K/year.  (And guess what? Factora's 2024 Wealth Circle is your ticket to do the same.)    LISTEN TO LEARN 09:00 - Allegra's Story 19:00 - What Is Financial Freedom? 24:30 - Factora's Financial Framework 28:00 - Success Stories 36:00 - Wealth Circle Q & A   RESOURCES Learn more about the Wealth Circle: factorawealth.com/wealth-circle Join 6 Figure Savings: factorawealth.com/6-figure-savings Get our FREE financial framework workbook: factorawealth.lpages.co/grow-net-worth-workbook Get our FREE investing checklist: factorawealth.lpages.co/investing-checklist/   FOLLOW Instagram: www.instagram.com/factora_wealth/ YouTube: youtube.com/@factora_wealth Visit our website: www.factorawealth.com   Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

Ever felt overwhelmed by the idea of stock market investing? In this episode of Coffee & Coin, Allegra and Whitney dive deep into the world of stock market investing. They explore why waiting to invest can be a costly mistake, break down the mechanics of market cycles, and discuss how dollar-cost averaging can transform your investment strategy. Learn about managing risk, ignoring the sensational news, and the power of starting now!   LISTEN TO LEARN 05:55 - Why You Should Invest in Stocks 07:17 - How the Stock Market Works 09:44 - Stock Market Cycles  14:30 - Why You Shouldn't Wait 35:00 - Strategies You Should Employ   RESOURCES Learn more about the Wealth Circle: factorawealth.com/wealth-circle Join 6 Figure Savings: factorawealth.com/6-figure-savings Get our FREE financial framework workbook: factorawealth.lpages.co/grow-net-worth-workbook Get our FREE investing checklist: factorawealth.lpages.co/investing-checklist/   FOLLOW Instagram: www.instagram.com/factora_wealth/ YouTube: youtube.com/@factora_wealth Visit our website: www.factorawealth.com   Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

Ever wondered how to grow your net worth while juggling multiple roles?  Join us in this inspiring episode of Coffee & Coin where Liz B shares her incredible journey as a small business owner and creator. She went from balancing three part-time jobs to doubling her business revenue in just one year. Liz's story is a testament to the power of financial education and mindset. Get ready for insights on overcoming financial shame, embracing entrepreneurship, and the importance of community in wealth-building.   LISTEN TO LEARN 08:30 - Overcoming Financial Shame 15:00 - Entrepreneurship Journey 23:00 - Net Worth Breakdown 35:00 - Shame-Free Money Goals 37:00 - Starting Small with Investing   RESOURCES Learn more about the Wealth Circle: factorawealth.com/wealth-circle Join 6 Figure Savings: factorawealth.com/6-figure-savings Get our FREE financial framework workbook: factorawealth.lpages.co/grow-net-worth-workbook Get our FREE investing checklist: factorawealth.lpages.co/investing-checklist/   FOLLOW Instagram: www.instagram.com/factora_wealth/ YouTube: youtube.com/@factora_wealth Visit our website: www.factorawealth.com   Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

Are you working to increase your net worth in 2024?  Tune in to this eye-opening episode, where we delve into Cris V's inspiring journey from having a negative net worth to building substantial wealth. Cris shares her candid experiences in navigating the tech world, making calculated risks in real estate, and the life-changing impact of the student loan pause. Plus, the importance of aligning career choices with your personal values, not just the paycheck. This episode is packed with actionable insights on wealth-building, overcoming financial challenges, and the power of community in financial education.    LISTEN TO LEARN 07:30 Buying Her First Home 09:00 The Factora Wealth Community  20:00 The Student Loan Pause 25:30 Job Salaries & Benefits 29:00 Her IVF Journey 33:00 Retirement Accounts & Side Hustles   RESOURCES Learn more about the Wealth Circle: factorawealth.com/wealth-circle Join 6 Figure Savings: factorawealth.com/6-figure-savings Get our FREE financial framework workbook: factorawealth.lpages.co/grow-net-worth-workbook Get our FREE investing checklist: factorawealth.lpages.co/investing-checklist/   FOLLOW Instagram: www.instagram.com/factora_wealth/ YouTube: youtube.com/@factora_wealth Visit our website: www.factorawealth.com   Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

Welcome to another episode of Coffee & Coin, where we're on a mission to lead 1 million women to $1 million in net worth! In this episode, we're tackling crucial topics like the gender pay gap, the realities of salary negotiation, and the impact of maternity leave on women's earnings. Plus, we're diving into the 2024 tax bracket changes and how they affect your wealth-building journey.  Whether you're navigating salary negotiations or optimizing your tax strategy, this episode is packed with valuable insights to help you increase your net worth.   LISTEN TO LEARN 02:30 Debunking the Gender Pay Gap Myth 15:45 The Impact of Maternity Leave on Women's Earnings 27:10 Exploring Salary Transparency Laws 40:50 Navigating the 2024 Tax Bracket Changes 55:30 Personal Finance Updates from Our Hosts   RESOURCES Learn more about the Wealth Circle: factorawealth.com/wealth-circle Join 6 Figure Savings: factorawealth.com/6-figure-savings Get our FREE financial framework workbook: factorawealth.lpages.co/grow-net-worth-workbook Get our FREE investing checklist: factorawealth.lpages.co/investing-checklist/   FOLLOW Instagram: www.instagram.com/factora_wealth/ YouTube: youtube.com/@factora_wealth Visit our website: www.factorawealth.com   Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

Welcome to another episode of Coffee & Coin, where we're on a mission to lead 1 million women to $1 million in net worth! Join Allegra and Whitney as they explore the intricacies of HSAs and share valuable insights on leveraging these accounts for significant tax savings and investment opportunities. Whether you're a seasoned investor or just starting out, this episode is packed with practical advice to help you make informed decisions about your financial well-being. . HIGHLIGHTS 10:00 The Triple Tax Benefits of HSAs 15:00 HSA vs. FSA: Breakdown of differences and advantages 27:00 Whitney & Allegra's  HSA Strategies 32:00b A step-by-step guide on setting up and managing your HSA   RESOURCES  Learn more about the Wealth Circle: factorawealth.com/wealth-circle Join 6 Figure Savings: factorawealth.com/6-figure-savings Get our FREE financial framework workbook: factorawealth.lpages.co/grow-net-worth-workbook Get our FREE investing checklist: factorawealth.lpages.co/investing-checklist/   FOLLOW Instagram: @factora_wealth YouTube: youtube.com/@factora_wealth LinkedIn: linkedin.com/in/ambrantly Visit our website: www.factorawealth.com   Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth or email us at info@factorawealth.com. Don't forget to subscribe and share this episode with someone who could benefit from it!  

Ever wondered how joining a wealth circle could transform your financial journey? Curious about the real-life impact of intentional investing? On this episode of Net Worth Diaries, Sarah P. takes us on a captivating journey from low-paying non-profit jobs to doubling her salary and investing rate. As a facilitator in the Wealth Circle, she delves into her fulfilling career and the importance of making financial moves aligned with your interests. Listen to hear: Getting over the fear of investing Tripling your investing rate Variety brokerage account options Real-life examples, numbers, and breakdowns Tune in to uncover the empowering world of intentional wealth-building and discover how a supportive community can turn your financial goals into reality.

Are you dreaming of early retirement and financial freedom? Wondering how to calculate the magic number that can make your dreams a reality? In this episode, Whitney and Allegra demystify the 4% rule, explore various asset classes for generating passive income in retirement, and craft a clear roadmap for you to seize control of your financial future. Listen to hear: How to calculate your retirement number The 3% rule vs the 4% rule How to conduct a lifestyle analysis Real-life examples, numbers, and breakdowns     Join the Wealth Circle Waitlist: https://www.factorawealth.com/wealth-circle Download our FREE financial framework workbook: https://factorawealth.lpages.co/grow-net-worth-workbook/ #investing #investing101 #financialeducation #financialfreedom #financialgoals #moneygoals

Are you looking for a new job or thinking about switching careers? Do you want to earn more at your current company?  In today's episode, Allegra is joined by two recruiting and salary negotiation experts who are passionate about helping women level up their careers, secure leadership roles, and earn more at work.  Listen to learn how to: Create a customized job search plan Effectively research roles & companies Build your personal brand Submit applications that get noticed Identify your salary band and negotiate for higher compensation  Want to be the first to know about future workshops like this one? Sign up for our newsletter: factorawealth.com/newsletter

Are you wondering when's the right moment to dive into saving and investing? Ever thought about how you can just sit back and watch your money grow effortlessly in a brokerage account? In today's episode, the Factora team is diving deep into the realm of financial self-care, exploring how daily habits and practices play a crucial role in shaping your financial future. Liz, Taylor, and Allegra cover everything from savings buckets, value-based spending, and the divide-and-conquer approach to financial planning. Listen to hear: The importance of setting up systems and automation How to decide if purchases align with your values How to divide and conquer finances as a couple A breakdown of the different types of emergency funds & savings buckets Featured in this episode:  Learn more about the Wealth Circle Download our FREE financial framework workbook Watch Coffee & Coin on YouTube   Get full show notes and more info here:

Have you found yourself calculating the cost per wear to justify the price of expensive clothes?Curious how Airbnbs are affecting the housing market? Allegra, Whit, Pam, and Steph are back for the September round-up. They're sharing their thoughts on the impact of Airbnb bans and the pros and cons of using “Girl Math” when making purchases. What you'll learn: The impact of Airbnb saturation on hosts, local communities, and housing affordability What “Girl Math” is Our personal experiences with using “Girl Math” when making purchases What's happening in our wallets: HSAs, simplifying finances, and office project completion  

Looking for a way to contribute more to your retirement savings beyond your 401(k)? Are you unsure if a Roth IRA or Traditional IRA is better? In this episode, Allegra and Whitney are doing a deep dive into IRAs. They're breaking down everything you need to know about the difference between Roth and Traditional IRAs, restrictions for contributing to and withdrawing from IRAs, and why IRAs are great to have in your portfolio. Listen to hear: What an IRA is and why you may want one even if you already have a 401(k) How to make the most of your IRA and avoid costly penalties A breakdown of the different types of IRAs - Roth, Traditional, SEP, and SIMPLE How to determine which IRA is right for you and your goals What action steps to take to open an IRA account  

Did you get a degree you don't want to pursue a career in anymore? Are you curious how to build your wealth with multiple income streams? In this episode, Allegra is joined by Factora's Head of Marketing and Wealth Circle alum, Taylor R. They're diving into how she grew her net worth by over $300K in just under 4 years, a breakdown of her income streams, and the numbers behind it all.  Listen to hear: A look inside her income streams and current annual income How she is making over $60K a year in passive income through business equity A breakdown of the numbers behind her $301K net worth What big goals she's working towards - passive income, real estate, and investments  

What are your net worth goals and how are you working towards them? Are you surrounding yourself with a community that inspires you to reach your financial goals? Allegra is chatting with Wealth Circle alum, Kelly B. about the huge changes she has experienced since joining the Wealth Circle in February 2020. She's sharing all the details about what her numbers were before the Wealth Circle and what they are now, how she spends in alignment with her values, and how she plans to reach her net worth goals. Listen to hear: How her income and net worth have increased since joining the Wealth Circle When she got started investing in paper assets and what her current investment rate is What steps she took to increase her net worth Her net worth goals and what she's doing to reach those goals  

Are you holding off on buying a home because of the current mortgage rates?  Have you ever felt influenced by targeted ads while scrolling on Instagram? Allegra, Steph, Pam, and Whitney are sharing some insight on the current mortgage rates and real estate market and how values based spending helps prevent excessive consumerism. Listen to hear: How the current mortgage rates are affecting the real estate market and what opportunities are available in the current market The impact Taylor Swift, Beyonce, and Barbie are having on the general economy Why values based spending helps women avoid excessive consumerism A look inside our wallets: traveling for weddings, the numbers behind PMI removal, living off one salary, and shifting to a nanny share Join the Fall Wealth Circle    

Do you have someone who pushes you to expand different areas of your life? Why is having an accountability partner key to growing your wealth? In this episode, Allegra and her investie, Steph, are checking in for another accountability meet-up. They're diving into their recent real estate moves, the importance of having multiple streams of income, and how Steph used a HELOC to buy her dream home. What you'll learn: How Steph is optimizing her real estate assets to bring in more income Why having multiple streams of income is actually safer than a corporate job How Steph and Allegra determine which house to sell and when What their business and personal goals are for the rest of 2023 Join The Fall Wealth Circle: www.factorawealth.com/wealth-circle Check out the full show notes here: factorawealth.com/coffee-coin-159  

Tired of living paycheck to paycheck even with a great salary? Curious about the investment strategies that can help you build long-term wealth? The Fall Wealth Circle is officially open for enrollment—and we're already 54% full! If you're ready to join an amazing community of women who want to make big financial changes, then we can't wait to meet you! Still wondering if the Wealth Circle is right for you? Join Allegra as she spills all the details on the most common questions we get about The Wealth Circle. You'll learn:  Why we LOVE when women who don't make a lot of money join The Wealth Circle The importance of community in wealth building Why you shouldn't wait to start investing, even with the volatility of the market The power of being educated in investing - whether you work with a financial advisor or not Join The Wealth Circle: www.factorawealth.com/wealth-circle Check out the full show notes here: factorawealth.com/coffee-coin-158

Are you taking full advantage of the tax breaks offered by your 401(k)? Do you have 401(k)s from previous jobs that you don't know what to do with? In this episode, Allegra and Whitney deep dive 401(k)s and lay out what you need to know to maximize your retirement savings by breaking down tax advantages, vesting schedules, and withdrawal restrictions. You'll learn: What a 401(k) is and what the benefits of a 401(k) are What ‘tax-advantaged' means and why you should care The difference between a traditional and Roth 401(k)s and why you might choose one over the other What options you have for your 401(k) when you leave a company The early withdrawal penalties you should be aware of Featured in this episode:  RSVP for our Wealth Circle Info Session on August 8th  Learn more about the Wealth Circle Download our FREE financial framework workbook Watch Coffee & Coin on YouTube  

Have you ever felt hesitant about sharing your plans to start a family with your employer? Are you getting the most out of your company's 401K? Allegra, Whit, Pam, and Steph are digging into the challenges of having a child in America, how new laws are helping pregnant women in the workplace, and how to decrease the gender gap in 401K balances in this month's round-up. You'll learn: What the Pregnant Workers Fairness Act is Why it is so difficult for working women to have children in America How to ensure you are maxing out your company's 401K What our retirement accounts currently look like Check out the full show notes here: factorawealth.com/coffee-coin-156

Have you experienced the freedom of entrepreneurship, only to find yourself back in the corporate world? Does working to fulfill someone else's dream leave you motivated to pursue your own dream again? Allegra is chatting with Anny about her journey from corporate tech sales to thriving food truck park owner. She's spilling all the details of the challenges, set-backs, and risks it took to bring her vision to life.  You'll learn: Why Anny decided to pursue full time entrepreneurship even after her first attempt didn't work out How she decided on her food truck park business idea The numbers behind it all - from her corporate salary to start-up to net sales How taking risks is key to building wealth Check out the full show notes here: factorawealth.com/coffee-coin-155  

Are you maximizing the benefits of working with a financial advisor? Is the financial advisor recommended by your parents not serving you? Is working with a financial advisor necessary to achieve your financial goals? Allegra & Whit discuss the pros and cons of working with a financial advisor, Whit's take on working with her financial advisor, and why every #wealthywoman should know how to invest. You'll learn: What fees are associated with working with a financial advisor When you should begin working with one How to make the most out of working with a financial advisor Questions to ask before hiring a financial advisor Check out the full show notes here: factorawealth.com/coffee-coin-154  

Do you wish you could travel more while still prioritizing money towards your financial goals? Want to make the most out of your PTO without breaking the bank? During our June Community Event, we teamed up with Lindsay of @onegirlwandering to teach you how to maximize your experiences when traveling by creating a budget that works for you and making the most out of credit card and loyalty points.  You'll learn:  Why being flexible is important when looking for the best travel deals How to make the most of your PTO by strategically planning your travel dates What to consider when creating your travel budget How to maximize credit card perks for airfare and hotels Check out the full show notes here: factorawealth.com/coffee-coin-153  

Do you have cash just sitting in a traditional savings account? Do you have a sneaky feeling that there might be a better option?  Are you ready to grow your investing strategy, but aren't sure which account type makes sense for you? In this clip from our webinar, “Where to Invest First,” Whitney breaks down the types of accounts every #WealthyWoman needs and how to create a financial system that puts your money to work.  In this episode, you'll learn: The benefits and drawbacks of different types of savings and investment accounts How to prioritize which accounts to invest in first Where you could be leaving money on the table The tactical steps you need to take to open a new account Check out the full show notes here: factorawealth.com/coffee-coin-152  

Have you been told that your generation doesn't work as hard as the previous generations?  Are you questioning if starting a family or buying a house is right for you? Allegra, Steph, Whit, and Pam are back with another round-up and are sharing their thoughts on outdated norms and the emotional side of long term investing. Listen to hear: Our thoughts on marriage, having children, and what we are prioritizing at this point in our lives Why younger generations are no longer set on reaching “milestones” the same way Boomers were Why investing in the stock market is one of the best options to build long term wealth A look inside our wallets: Covering costs on sabbatical, financing a dream pool, tenant troubles, and real estate projects Check out the full show notes here: factorawealth.com/coffee-coin-151  

What hard financial lessons have you learned that you wish you would have figured out sooner?  In this listener favorite episode, Allegra offers eight pieces of wisdom for how to live a happier, healthier, more financially empowered life. She also touches on the hard lessons she learned in her twenties, and how Factora fits into her vision of a purpose-driven life. A sneak peek at Allegra's learnings: -If you think you can, you can  -The best way to increase confidence is to decide and do  -Change is the only constant in life  -Be purpose driven instead of status driven Check out the full show notes here: factorawealth.com/coffee-coin-150

Have you ever thought about leaving your 9-5 and starting your own business, but aren't sure what it would actually look like financially?  In this episode, Allegra chats with digital content creator and YouTuber, Jules Acree about her intentional pursuit of wealth building and how she went from corporate job to multi six-figure business owner with 7 (yes 7!) income streams.  What you'll hear: Jules' biggest money wins and learnings How she got started as a digital content creator The systems she uses to grow her money on autopilot A breakdown of her income streams, income, and expenses How she's intentionally investing to help create the life of her dreams Check out the full show notes here: factorawealth.com/coffee-coin-149

Want to travel the world? Retire when you're 40? Design and build your dream home? Start your own business? Investing can help get you there. But where do you start and what should you be investing in?  The truth is, there's no one-size-fits-all approach to investing, but the more you talk about building wealth, the more creative you'll be able to get. And the more results you'll actually see.  During this episode you'll hear from 3 women who invest in the stock market, real estate, and business, have clear financial goals, and understand how to make their money work for them. In less than an hour, you'll: Be ready to take action on your own money goals Feel more confident about your financial future Understand why community is the key to seeing results Check out the full show notes here: factorawealth.com/coffee-coin-148

What steps should you take to prepare for a potential layoff? What are the possible financial and social benefits of co-living with other single parents? We're digging into both in this month's round-up. What you'll learn: The rising concern of job security and how to prep for possible job loss The pros and cons of sharing a living space + responsibilities with another single parents How the idea of co-living in America is drastically different than in other countries Our recent money wins and plans for our next financial moves Check out the full show notes here: factorawealth.com/coffee-coin-147  

Did you know the average cost of raising a child in the U.S. is $230,000? In this episode, Allegra chats with two Factora women about how they prepared financially to have kids, how their finances have changed since having kids, and how each of them is approaching working with children and childcare.  What you'll learn: The costs involved with childbirth and childcare  How these women prepped for income changes once their babies arrived Different ways they're setting up their children to have successful financial futures Check out the full show notes here: factorawealth.com/coffee-coin-146

So you're investing in index funds, but do you know how to select them based on your risk tolerance? In this episode, Allegra and Whitney dive into what index funds are, why they're beneficial to your portfolio, and how to choose your index funds.   What you'll learn: What index funds are and their benefits The steps to take before buying an index fund How to determine your current risk tolerance (and how it changes over time) How to select index funds based on your risk tolerance What Target Date Funds are and how they create a “set it and forget it” approach Check out the full show notes here: factorawealth.com/coffee-coin/146

Why is having an accountability partner so important in reaching your financial goals? Allegra and her investie, Steph, are back with their Q2 accountability meet-up. They're chatting about their recent and potential real estate investments, how their paper assets are doing, and their business goals for the rest of 2023.  What you'll learn: What financial freedom means to Allegra and Steph Allegra's potential investment property and Steph's recent real estate investments Their current investing rates  Their top line goals for Factora and Open House for the remainder of 2023 Allegra & Steph's personal updates and goals Check out the full show notes here: factorawealth.com/coffee-coin/145    

Are you wondering if the new 40 year mortgage option could make sense for you? Are you investing enough to retire when you want to? In this month's round-up, we're digging into both!  What you'll learn: Why the FHA is coming out with a 40 year mortgage now  The pros and cons of the 40 year mortgage A look at savings rates and planning for retirement  Our recent money moves and financial wins Check out the full show notes here: factorawealth.com/coffee-coin/144  

Thinking about your future wedding and wondering if it's really worth it to spend $30K+ on a single day? In this episode, Allegra chats with Wealth Circle Alum, Savannah B., who shares how she saved tens of thousands of dollars by having a micro wedding in Japan—and how spending less on the wedding has helped her and her husband reach their financial goals sooner, rather than later. What you'll learn: What inspired her to have a micro wedding instead of a traditional wedding Why this decision made sense for her and her fiance  The details (and numbers!) behind their destination wedding in Japan  What they're planning to do with the money they saved Get the full show notes here: factorawealth.com/coffee-coin-143

Ever thought about building your own investment property, but worried about how much it could cost? In this episode, we talk with Chloe and Valerie, two Factora women turned real estate investment partners, who are proof that building your dream rental property may be more affordable than you think.  What you'll learn: How they formed their real estate partnership  How much money they had to bring to the table to buy the lot, design and build   How they designed the property to create 6 different rentable spaces out of 2 units  How much they expect to cash-flow in the first year  Tips for women looking to get into real estate development   Read the full show notes here: factorawealth.com/coffee-coin-142  

Ever wondered how to do a 401(k) rollover? Many people leave jobs and forget about their retirement plans: leaving 24.3 million 401(k) plans totaling $1.35 trillion in assets on the table. Knowing how to handle your “old” 401(k) plans is key to making sure your retirement funds can keep growing without interruption. During this episode, we're sharing the recording from our March Community Event on how to do a 401(k) rollover. What you'll learn: How much a forgotten 401(k) could be costing you Why rolling over your 401(k) matters How to complete a 401(k) rollover (it's easier than you think!) Get the full show notes here: factorawealth.com/coffee-coin/141

This week, Allegra is joined by three Factora women - Whitney, Pam, and Steph - for our first-ever monthly round-up. During the last week of each month, we'll be chatting with this panel of women about what's going on in the world and in our wallets. Tune in this week to hear their perspectives on the Silicone Valley Bank failure and another year without a shrinking pay gap. Plus, the financial goals they're each working towards.   Download our FREE financial framework workbook > Learn more about the Wealth Circle >

Want to retire in your 40s but have no idea how to get there?In this episode, Allegra chats with Facotra's Community Manager, Liz P, about her plan to reach financial freedom by the time she's 45 by purchasing 10 houses in 10 years.Listen to hear:- How she came up with this goal- The steps she took to get started- The creative ways she plans to purchase each property- How much she's hoping to cashflow from each property  RSVP for How to do a 401(k) and Stop Leaving Money on the Table >Download our FREE financial framework workbook >Learn more about the Wealth Circle >

Want to retire in your 40s but have no idea how to get there? In this episode, Allegra chats with Facotra's Community Manager, Liz P, about her plan to reach financial freedom by the time she's 45 by purchasing 10 houses in 10 years. Listen to hear: How she came up with this goal The steps she took to get started The creative ways she plans to purchase each house How much she's hoping to cashflow from each property RSVP for How to do a 401(k) and Stop Leaving Money on the Table > Download our FREE financial framework workbook > Learn more about the Wealth Circle >

Have you thought about starting a business but are afraid to leave your 9-5 before you know it can make you enough money? At Factora, we talk a lot about the importance of having multiple income streams and how the wealthiest people are often business owners. In this episode, we hear how Carlyle built a 53-acre retreat space in Texas while continuing to work in tech—and her plan to eventually go full-time in her business. What you'll learn: How she came up with her business idea and got started How she juggled starting a real-world business while working online The numbers behind it all—from start-up to cash flow Tips for women looking to start a business or go all-in on their side hustle  Featured in this episode:  Check out Serena and follow them on Instagram @serenatx Check out Carlyle's game, Meet Around the Table Learn more about the Wealth Circle Download our FREE financial framework workbook Watch Coffee & Coin on YouTube

In the Wealth Circle, we talk a lot about the importance of having multiple income streams and how often the wealthiest people you know are business owners. So today, we're diving into what it looks like to start a business of your own, while still working a 9-5. Allegra chats with her friend, Wealth Circle grad, and business owner Carlyle, about her experience starting up a 53-acre, 21+ retreat space that's focused on outdoor, communal amenities and activities. Tune in to hear:-What made Carlyle decide to start this business and how she came up with the idea-How she managed to juggle starting a new business while working a full-time job (and what her day-to-day looks like now)-The numbers behind it all—from start-up to maintenance, to cash flow-Tips she has for women looking to start a business or go all-in on their side hustle Watch Coffee & Coin on YouTube >Check out Serena and follow them on Instagram @serenatxCheck out Meet Around the Table Learn more about the Wealth Circle >Download our FREE financial framework workbook > 

So you've heard of socially responsible investing, but do you really know what it means or how companies earn the label of “responsible”?In this episode, Allegra and Whitney dive into why these types of funds are so appealing and why they're really too good to be true.They discuss:- What ESG funds are and why more women than men are interested in investing in them- How companies use socially responsible investing in their marketing and PR- What people inside the industry are really saying about ESG funds (hint: it's not pretty)- What it actually means to be a socially responsible investor and have a real impact on the causes you care about mostDownload our FREE financial framework workbook >Learn more about the Wealth Circle >