Millennial Money Honey

As I reflect back on my 20s in anticipation of turning 30 this weekend, here are the 5 key things I did to get in the money mindset to prepare to be Financially Independent and Retire Early (FI/RE) by 35.

Here are the 10 MOST important money things I wish I knew when I started my first job and earning an income after I graduated college. From learning about to FI/RE and HYSAs to the insane amount money in the tech industry and how RSUs work, I wish I knew these things sooner! I collaborated a few of my YouTube FI/RE friends to share what we learned the hard way so you don't have to! Be sure to check out their videos too: The Retired Millennial Gen-Z Finance Liz Gets Loaded Get $5K managed free with Wealthfront. Track your money with my free spreadsheet. -- FTC/Affiliate Disclosure: By using some of these links, at no extra cost to you, I may earn a small commission, which helps me help you! xo INVESTMENT DISCLAIMER ⚠️ I am not a financial advisor. My podcast is for educational purposes and are my personal opinions only. To make the best financial decision for your situation, please do your own research and if needed, seek the advice of a fee-based, fiduciary, licensed financial advisor. All investments involve some risk. There's no guarantee that you will be successful in making, saving, or investing money or that you won't experience losses when investing. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/millennialmoneyhoney/message Support this podcast: https://anchor.fm/millennialmoneyhoney/support

Today I'm answering all of your burning FI/RE questions, from what I'm planning on doing for healthcare, how to FIRE if you have trouble working due to health reasons, and how much you need to save to never run out of money and create generational wealth! Plus I talk about my experience working for an MLM and my favorite money apps to earn passive income. Watch AMA Part 1: https://youtu.be/ci0LNoNhp5M Easy Passive Income Apps * Dosh: https://link.dosh.cash/CATIET4 * Drop: https://b.ewd.io/code?c=wuw8a * Rakuten: https://www.rakuten.com/r/CATIET24?eeid=44971 * Honey: https://www.joinhoney.com/ref/diswdn --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/millennialmoneyhoney/message Support this podcast: https://anchor.fm/millennialmoneyhoney/support

I did an Ask Me Anything sticker on Instagram and y'all came through with the questions. Here is the first part of my two part AMA. I go over all of your question about pursuing Financial Independence and Early Retirement. We're talking about how to get creative to save more money and retire even faster. Negotiate your bills lower: Budget Blonde, Her First 100K MMH Girls on FI/RE Facebook Group: https://www.facebook.com/millennialmoneyhoney/ --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/millennialmoneyhoney/message Support this podcast: https://anchor.fm/millennialmoneyhoney/support

You may have heard of the FIRE movement, but do you know the different kinds of FIRE? The path to financial independence is not the same for everyone. It's a personal journey that looks different from person to person. Many people have heard of traditional FIRE, but there are other ways to reach financial independence and retire early. Coast FIRE, Lean FIRE, and Fat FIRE are all options that can get you to retirement. Learn more about the ways to retire early and figure out which is best for you! Calculate your Coast FIRE number with Walletburst's Coast FIRE Calculator For a CoastFIRE lifestyle follow The Fioneers For a LeanFIRE lifestyle follow A Purple Life For a Traditional FIRE lifestyle follow Millennial Money Honey and Our Rich Journey For a FatFIRE lifestyle follow @jaymillennial and @mywealthdiary Start your FIRE journey, track your money with Personal Capital --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/millennialmoneyhoney/message Support this podcast: https://anchor.fm/millennialmoneyhoney/support

I'm talking with Dr. Jessica Louie (@drjessicalouie), aka the Burnout Doctor, all about our own side hustling adventures and how to avoid burnout while pursuing your money making passions and hobbies. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/millennialmoneyhoney/message Support this podcast: https://anchor.fm/millennialmoneyhoney/support

I failed at half of my goals for Q1, so thanks to your input and suggestions on how to improve, I made better goals for Q2! Financial and money goals have always come more easily to me. The ones I tend to fail at are more related to health and personal development. This video goes over my first quarter goals and improvements for Q2.   SHOW NOTES My giant a$$ water bottle The Psychology of Money by Morgan Housel The Vanishing Half by Brit Brennett --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/millennialmoneyhoney/message Support this podcast: https://anchor.fm/millennialmoneyhoney/support

I've started several hobbies and tried out many little side-businesses over the years. Although I was able to turn a profit on some of the businesses, nothing ever really stuck. I've been working on Millennial Money Honey for over 2 years now and it is the only hobby turned business I've ever been able to consistently keep up with. I dive into the 5 tips that I think made this hobby a success and now profitable! --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/millennialmoneyhoney/message Support this podcast: https://anchor.fm/millennialmoneyhoney/support

How does one retire early before 65? By tracking your money, discovering your savings rate, and cutting back mercilessly on your spending. In this next video on my FIRE series, I discuss how to start getting your personal finances together and on track to become financially independent. Achieve financial freedom while still spending on what you love—have your avocado toast and still reach FIRE!  If you haven't already, be sure to check out part one for getting your financial mindset together. Download my free money tracker: https://www.millennialmoneyhoney.com/free-resources Mr. Money Mustache Savings Rate Chart: https://www.mrmoneymustache.com/wp-content/uploads/2012/01/mmm-early-retirement-savings-rate.png --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/millennialmoneyhoney/message Support this podcast: https://anchor.fm/millennialmoneyhoney/support

Why do you want to FI/RE and what will you do once you've achieved financial freedom? The journey to financial independence or early retirement seems simple enough—figure out how much money you need to live off of forever. However, I share with you step by step, where you actually need to start. (Hint: It's not about the money!) --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/millennialmoneyhoney/message Support this podcast: https://anchor.fm/millennialmoneyhoney/support

I'm a millennial pursuing financial independence, but does NOT mean I'm a total Scrooge. I still spend my money on a lot of things and buy lavish experiences, even though I'm planning on retiring at 35. Although I love saving money so I can retire ASAP, here are the 8 things I'm willing to splurge A LOT of money on. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/millennialmoneyhoney/message Support this podcast: https://anchor.fm/millennialmoneyhoney/support

How to Spend Mindfully and Discover Your Core Values --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/millennialmoneyhoney/message Support this podcast: https://anchor.fm/millennialmoneyhoney/support

I'm talking with my girl Zion of Zero to Zillions about all things FI/RE, from the first thing you should do to get started on your journey to how to calculate your FI/RE number. Plus I'm sharing some of my favorite resources that helped me get started. Follow us on Instgram @millennialmoneyhoney and @zerotozillions! --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/millennialmoneyhoney/message Support this podcast: https://anchor.fm/millennialmoneyhoney/support

It's tax season! Have you filed for your 2020 tax return? If you're expecting some money back this year or recently received a cash overflow from your annual performance bonus, here are seven ways you can spend your tax refund. Whether you choose to max out your Roth IRA, invest money in yourself, or donate your money, make sure you maximize your personal finance game with these tips! Link to Roth IRA income chart I referenced: https://www.investopedia.com/retirement/ira-contribution-limits/ --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/millennialmoneyhoney/message Support this podcast: https://anchor.fm/millennialmoneyhoney/support

Today on FIREside chat I'm talking with my friend Taylor over at @imperfectfinance. We're discussing how we create posts, monetize our accounts, and design a brand in the personal finance influencer space! Follow on Instagram @millennialmoneyhoney and @imperfectfinance --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/millennialmoneyhoney/message Support this podcast: https://anchor.fm/millennialmoneyhoney/support

Here are 10 ideas to earn more money this year that maximize your time and start generating more passive (ish) income. Side hustling is great, but not all are created equal. I am sharing my low-effort ways that I am planning on making money with in 2021. p.s. I realize my first income stream is not really passive or that low-effort haha...my b. Really it should be like 9 lazy income streams

Curious about how to retire early but don't know where to start on your journey to financial independence? Start here! I'm walking you through the first and most important step on how to retire early. Get in the right mindset and figure out why you want to join the FIRE movement and achieve financial freedom. Figuring out what matters most to you will help you stay motivated! --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/millennialmoneyhoney/message Support this podcast: https://anchor.fm/millennialmoneyhoney/support

In today's bonus FIREside chat I'm going Live with my friend Judy of @hearmefinance to talk about pursuing FIRE as a SINK (Single Income No Kids) woman, living at home with my parents, and what it's like being on the journey to FIRE on my own. Follow us on Instagram @millennialmoneyhoney and @hearmefinance. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/millennialmoneyhoney/message Support this podcast: https://anchor.fm/millennialmoneyhoney/support

I started off this year freelancing and earning $0 the first two months to making over 6 figures! This is a breakdown of where ALL of my money came from and went to in 2020—income, expenses, savings, and investments! I am a SINK, which stands for Single Income No Kids, and a visual designer in tech currently living at home with my parents. I share my salary not to brag, but for everyone to understand transparently what I do and to understand their own worth. Also a note, my paycheck is just a paycheck. I do not get any RSUs or ESPPs because I am not a FTE at a tech company, I work as a full time contractor. SHOW NOTES • Investing with Kim's Youtube channel • Shop my Poshmark Closet • Get $20 cash when you sign up for Rakuten • Shop Millennial Money Honey's Etsy shop • Get 2 FREE weeks on Bonsai (The software I use to organize my freelance design work.) --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/millennialmoneyhoney/message Support this podcast: https://anchor.fm/millennialmoneyhoney/support

How do you make money from Youtube without being monetized? It's easy! As a small Youtuber it feels next to impossible to reach 1,000 subscribers or 40,000 watch hours and hit that elusive "monetized" status. However, I'm able to monetize my Youtube with video content I'm already making and you can too! Sharing the step by step process with how exactly how I make money from my Youtube content. Squarespace (my blog host/platform) / TubeBuddy (optimizes SEO) / Lazy passive income ideas / How to Spend Mindfully --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/millennialmoneyhoney/message Support this podcast: https://anchor.fm/millennialmoneyhoney/support

Today, I'm talking with my friend Haley of Femme Financial Coaching all about how to set good goals for your finances, business, and personal life. Follow us on Instagram @millennialmoneyhoney and @femmefinancialcoaching! --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/millennialmoneyhoney/message Support this podcast: https://anchor.fm/millennialmoneyhoney/support

This one is for the n00b investors! :) I didn't know where to start investing when I began my own journey into personal finance. It took many years to get where I am today, managing and rebalancing my own index fund portfolio. These are the 3 levels I took until I got more and more comfortable with how things worked. Let me demystify investing basics, break down what an index fund actually is, and help you on your way to start investing! p.s. This video assumes are you student and consumer debt free before you begin your investing journey! As a rule of thumb, if your debt interest rates is over 6%, considering paying off debt before investing, with the exception of contributing to get your employer 401k/403b match. (This is not sponsored or endorsed by Wealthfront, but that would be cool

In this special bonus FIREside chat, Connie (@conpoint on Instagram) and I are spilling the tea and talking all things dating, prenups, and finances when it comes to being in a relationship. Connie gives her perspective as a woman in a long-term relationship and I give mine as a single woman. Grab a glass of wine and join us for this fun happy hour conversation! For more money talk, follow us on Instagram: @millennialmoneyhoney & @conpoint. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/millennialmoneyhoney/message Support this podcast: https://anchor.fm/millennialmoneyhoney/support

Flashback to when I was fresh out of college and finally earning money at a whopping $11/hr (pre-tax!). Now I make over six figures as a visual designer working in big tech! It's been a slow process—over 7 years of hard work and negotiation. I'm talking pay transparency and giving all the deets as to how I got there. No wealth building path is the same, but hopefully it will encourage you to assess your current value & worth and negotiate more pay even sooner than I did! --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/millennialmoneyhoney/message Support this podcast: https://anchor.fm/millennialmoneyhoney/support

I've been reflecting a lot on my money resolutions for 2021 and looking back at how my financial goals went this year. Here are some of my goals for the year which maybe will inspire you to add to your list! Be featured on the podcast! Leave a message: https://anchor.fm/millennialmoneyhoney/message --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/millennialmoneyhoney/message Support this podcast: https://anchor.fm/millennialmoneyhoney/support

Being sustainable is sometimes hard. I get it, it's difficult to always be conscious about our actions. These are the 6 items that I've integrated in my life that have been truly mindless switches. Not only are they better for the environment, these are one-time purchases that continue to save me money the more I use them! • TAL 64oz Water bottle: shorturl.at/tBINZ • 40 oz Hydroflask w/ Straw: https://amzn.to/36W3Tji • Wool Dryer Balls: https://amzn.to/3m0IGcd • Pilot Metropolitan Fountain Pen: https://amzn.to/39TbeSp • Ink: https://amzn.to/36Wz3qx • Reusable Baggu Bags (standard size): https://amzn.to/2VRTdf1 • Rechargeable Batteries: https://amzn.to/39XN1KP • Beginner Safety Razor: https://amzn.to/33VqgDy • Razor Blades: https://amzn.to/37K2Thf --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/millennialmoneyhoney/message Support this podcast: https://anchor.fm/millennialmoneyhoney/support

Hey friends! In anticipation of the new year and goal setting for 2021, I wanted to share with you my tips and tricks that helped me have a successful no buy year. Ultimately, not spending on stuff I didn't NEED propelled me into learning about personal finance because it saved me SO much money. As a reformed shopaholic, it was very hard to not be tempted to buy things, especially because I felt clothes were a part of my identity. But with these tips I was able to make it a whole year without buying ANYTHING materialistic. Have you been inspired to do a no-buy or a low-buy year? Leave a voice note with your question/comment: https://anchor.fm/millennialmoneyhone... ABOUT Millennial Money Honey is my way to share my FIRE adventure with you. My goal is to achieve financial independence and retire early by 35 with $1.5 million dollars. By talking candidly about my own finances, I want to help you become more financially literate, grow rich, and achieve financial freedom (and retire early or become work optional). I hope to inspire you to take charge of your personal finances, whether you're figuring out how to get out of debt, learning how to budget and invest, starting your own side hustle, or on your way to becoming a millionaire. Let's be financial BFFs and talk money honey! xo --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/millennialmoneyhoney/message Support this podcast: https://anchor.fm/millennialmoneyhoney/support

These are the first four books I recommend reading if you want to hit the ground running on your person finance journey. I go over the reasons WHY I loved them and they're so important to read, specifically in this order! Getting started can be overwhelming, but smarter people than I have written handy guides walking you through exactly how to achieve financial independence and retire early. Rich Dad, Poor Dad by Robert T. Kiyosaki: https://amzn.to/2BcVsmL I Will Teach You to Be Rich by Ramit Sethi: https://amzn.to/2Lc0thn A Simple Path to Wealth by J. L. Collins: https://amzn.to/2UnBpqK Quit like a Millionaire by Kristy Shen and Bryce Leung: https://amzn.to/2HCnDeJ Wealthfront: https://wlth.fr/2nxyWgr (Get $5K managed free if you open an investment account.) QUESTIONS/COMMENTS? Leave a voice note to be featured on the show: anchor.fm/millennialmoneyhoney/message --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/millennialmoneyhoney/message Support this podcast: https://anchor.fm/millennialmoneyhoney/support

A couple weeks ago, you guys submitted questions about me and my FIRE journey over on Instagram (@millennialmoneyhoney). These are the questions you guys asked. I spill the beans on everything from what it's like living at home with my parents to how I bring up finances on dates. Leave a voice message to be featured in my next AMA: anchor.fm/millennialmoneyhoney/message SHOW NOTES • Mr. Money Mustache Blog: mrmoneymustache.com • Mad FIentist Podcast: madfientist.com/podcast/ • Our Rich Journey's Youtube: https://tinyurl.com/y9d2gyuq • Wealthfront, the first robo-advisor investment brokerage account I opened myself: https://wlth.fr/2nxyWgr • How I budget video: youtube.com/watch?v=l4cUr... • Citi 2x Cashback Card, my first credit card: citi.com/credit-cards/cre... • My FREE Google Sheets Money Tracker & Rebalancing Calculator: millennialmoneyhoney.com/money-spreadsheets ABOUT Millennial Money Honey is my way to share my FIRE adventure with you. My goal is to achieve financial independence and retire early by 35 with $1.5 million dollars. By talking candidly about my own finances, I want to help you become more financially literate, grow rich, and achieve financial freedom (and retire early or become work optional). I hope to inspire you to take charge of your personal finances, whether you're figuring out how to get out of debt, learning how to budget and invest, starting your own side hustle, or on your way to becoming a millionaire. Let's be financial BFFs and talk money honey! xo --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/millennialmoneyhoney/message Support this podcast: https://anchor.fm/millennialmoneyhoney/support

I talk about my plan to retire early at 35, the resources that got me started on Financial Independence, how I increased my income over the last year, and finding happiness on the journey. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/millennialmoneyhoney/message Support this podcast: https://anchor.fm/millennialmoneyhoney/support

Hey, I'm Catie and I'm so excited to have you here. I wanted to share with you the story behind Millennial Money Honey, how I got into personal finance, and what this show is all about. Follow along on my journey to financial independence and early retirement (FIRE