Spondulix

In this episode we are talking student loans. I discuss the difference between federal and private student loans as well as what you should be thinking about if you are considering refinancing. Let's get into it! Come talk money with me! Join the conversation on instagram @Spondulixpod or at $pondulixpod.com

April is financial literacy month so this month on the podcast we are building that skill. The goal here is that everyone listening becomes an expert in their own personal finance! Listen in to learn which four things you should be thinking about on your journey to financial literacy. If you are listening on Spotify or Anchor, this episode is available with video. Enjoy! Let's get into it! Come talk money with me! Join the conversation on instagram @Spondulixpod or at $pondulixpod.com

Have you heard the latest news about the Amazon stock split? Do you know what it means or why it matters? This episode answers those questions. Next time you hear news about a stock split, you will have all the insight. If you are listening on Spotify or Anchor, this episode is available with video. Enjoy! Let's get into it! Come talk money with me! Join the conversation on instagram @Spondulixpod or at $pondulixpod.com

Have you heard of the 1944 GI Bill that forever changed American society? This Bill helped millions of people attend college and vocational schools, and secure their slice of the American dream. It changed American lives for generations to come. However, Black Veterans were denied many of these benefits. This episode dives into the other side of the story. Let's get into it! Come talk money with me! Join the conversation on instagram @Spondulixpod or at $pondulixpod.com

We are talking ETFs. By the end of the episode you will know what ETFs are, how they compare to Index funds, how you can buy and sell them, and what may make them useful for beginner investors as well as experienced investors. Let's get into it! Come talk money with me! Join the conversation on instagram @Spondulixpod or at $pondulixpod.com

Should you invest while still in debt? The answer is maybe. In this episode I offer three things to consider in answering this question for yourself. Let's get into it! Come talk money with me! Join the conversation on instagram @Spondulixpod or at $pondulixpod.com

This episode is all about giving. I discuss charitable donations and provide you an extra reason to give before 2021 ends. Let's get into it! Come talk money with me! Join the conversation on instagram @Spondulixpod or at $pondulixpod.com

2021 is wrapping up and it is time to set your goals for 2022. This episode is all about setting and achieving your financial goals for 2022. How should you set money goals? And once you set them, how do you reach them? Listen in for money strategy. Let's get into it! Come talk money with me! Join the conversation on instagram @Spondulixpod or at $pondulixpod.com

It is November which means open enrollment for millions across the country. Have you ever wondered what you should be thinking about during open enrollment? This episode walks you through the benefits you should be diving into for the coming year. Let's get into it! Come talk money with me! Join the conversation on instagram @Spondulixpod or at $pondulixpod.com

Let's talk about two simple steps to get you on the road to money confidence. Using the tools discussed in this episode, you will find that you can easily and quickly acquire the knowledge needed to manage your personal finances. Let's get into it! Come talk money with me! Join the conversation on instagram @Spondulixpod or at $pondulixpod.com

If you are looking for access to free and high-quality financial advice, this episode is for you! Let's get into it! Come talk money with me! Join the conversation on instagram @Spondulixpod or at $pondulixpod.com

Are you missing out on credit card rewards? Do you exclusively use cash or your debit card because you fear the harms of credit card usage? In this episode I detail healthy credit card usage and challenge you to consider using your credit card rather than your debit card for your financial transactions. Let's get into it! Come talk money with me! Join the conversation on instagram @Spondulixpod or at $pondulixpod.com

This episode is all about the basics of brokerage accounts. If you have been trying to figure out how to invest in the stock market outside of your retirement accounts, this one is for you. Let's get into it! Come talk money with me! Join the conversation on instagram @Spondulixpod or at $pondulixpod.com

Can't afford college? In this episode I break down the details of need based aid and explain why it is useful for anyone considering a college education but thinking that it is too expensive. Let's get into it! Come talk money with me! Join the conversation on instagram @Spondulixpod or at $pondulixpod.com

In this episode I cover the financial steps that we should all be taking. If you are a beginner in the world of money management, these five money moves are an excellent place to start. Let's get into it! Come talk money with me! Join the conversation on instagram @Spondulixpod or at $pondulixpod.com

A 401K is a type of retirement account. They are really very simple and in this episode, I break down all of the 401K details. Let's get into it! Come talk money with me! Join the conversation on instagram @Spondulixpod or at $pondulixpod.com

Have you recently found yourself overspending? Has readjusting to the world meant that you are blowing through your budget? In this episode i discuss making room in your budget for the things that bring you joy and help your life to feel full. Let's get into it! Come talk money with me! Join the conversation on instagram @Spondulixpod or at $pondulixpod.com

Compound interest is the magic behind investing. This allows your money to grow faster than it otherwise would and gives you better returns over time. This episode breaks down the basics of compound interest and tells you why should start investing today. Resources for Haiti mentioned in this episode: Hope for Haiti Sow A Seed Let's get into it! Come talk money with me! Join the conversation on instagram @Spondulixpod or at $pondulixpod.com

This episode is all about investing and using limit orders in your strategy. A limit order is an order to buy or sell a stock at a specific price. This is a really cool tool to add to your investing or trading arsenal. If you have never heard about a limit buy or a limit sell this episode will get you up to speed. Let's get into it! Come talk money with me! Join the conversation on instagram @Spondulixpod or at $pondulixpod.com

When you are out to dinner with a group of people do you split the bill evenly? Do you know how to say no if you only want to pay for exactly what you ordered? In this episode I sit down for a candid conversation with my good friend Lachelle, about how she manages the bill with no hurt feelings or awkward situations. We also discuss how to manage the costs of travel so that everyone covers their fair share. Join us for some tips on navigating this situation next time you encounter it. Come talk money with me! Join the conversation on instagram @Spondulixpod or at $pondulixpod.com

We have made it all the way to June 2021. We are halfway through the year and this is the perfect time for a money date. The idea of a money date is to create a periodic check in with your finances and to get an overall picture of your net worth and financial health. Join me as I discuss what you should be tracking on this date. Come talk money with me! Join the conversation on instagram @Spondulixpod or at $pondulixpod.com

A Certificate of Deposit is a type of savings account that allows you to save a fixed amount of money, for a fixed amount of time in return for a fixed interest rate. CDs offer better terms than regular savings accounts and carry very little risk. They are definitely worth understanding!! Listen in to learn all about CDs and a great CD hack called a CD ladder. Come talk money with me! Join the conversation on instagram @Spondulixpod or at $pondulixpod.com

Are you looking for a way to practice in the stock market without risking your dollars? Paper trading is the perfect way to simulate participation in the market using "virtual" dollars. This is a great way to learn about the stock market and to practice strategy. Paper trading is also a great way to introduce children to the market. This episode gets into all of the details. Come talk money with me! Join the conversation on instagram @Spondulixpod or at $pondulixpod.com I mention a few paper trading options in this episode which are linked below: Investopedia Stock Simulator TD Ameritrade: Thinkorswim Tradestation

The term mutual fund is thrown around A LOT in conversations about investing. In this episode, I get into the basic details of mutual funds and how they operate. As a bonus, I break down the concept of an index fund and talk about the S&P 500. Come talk money with me!

Are you trying to figure out the best way to save for your education, or your children's education? A 529 education savings plan may be a great option for you. This plan allows you to set aside, invest, and grow money to help cover educational expenses. This plan can also be used to help out other students in your life, including nieces, nephews and grandchildren. In this episode I get into the details of these plans and how they work. As always, come talk money with me! Join the conversation on instagram @spondulixpod SEC reference: An Introduction to 529 Plans

Looking for a simple way to help bump up your credit score? This episode gives you a tip to help you do just that. Credit Utilization amounts for about 30% of your credit score. Using this tip, you can lower your credit utilization and increase your credit score.   Join me on the road to a strong credit score, and as always, come talk money with me! Join the conversation on instagram @spondulixpod https://www.instagram.com/spondulixpod/

Are Health Savings Accounts (HSAs) a well-kept secret? An HSA is an extremely useful tool for helping to cover the costs of healthcare. In addition to its healthcare benefits, it offers a triple tax benefit, investment options as well as potential retirement benefits. In this episode, I talk all about HSAs and tell you why everyone should consider opening one. I also discuss how you can maximize your HSA once you have it. Come talk money with me! Join the conversation on instagram @spondulixpod https://www.instagram.com/spondulixpod/

Do you keep a monthly budget? Does the word budget freak you out? Creating a spending plan or a budget may help you ensure that you have enough money for the things you need and more importantly, the things you want. In this episode I explore three types of budgets in the hopes of finding one that speaks to me and hopefully speaks to you. Come talk money with me! Join the conversation on instagram @spondulixpod https://www.instagram.com/spondulixpod/

Have you been following the GameStop saga? When the news broke about GameStop and Robinhood did you understand what it was all about? I was super curious so I set out to do my research.  In this episode I share what I found and tell you why we are still hearing about GameStop a few months later.     Join the conversation on instagram @spondulixpod https://www.instagram.com/spondulixpod/

Are you familiar with the concept of a money date? It's a periodic check-in with your finances. Join me as go through the process of my money date for the month of January. I calculate my debt, assets, net worth, and check up on my credit score. Come talk money with me! Join the conversation on instagram @spondulixpod

Let's talk money philosophy! In this episode I share my framing around spending money, saving money and making money. What is your money philosophy? Come talk money with me! Join the conversation on instagram @spondulixpod

Have you heard of a high yield savings account? Up until a few years ago, I hadn't either. In this episode I share what I have learned about high yield savings accounts, why my emergency fund is currently saved in a high yield savings account, and explain why you should consider looking into a similar account. Come talk money with me! Join the conversation on instagram @spondulixpod

Welcome to Spondulix! In this introductory episode I share who I am, the reason I started this podcast and what it's all about. Come talk money with me! Join the conversation on instagram @spondulixpod https://www.instagram.com/spondulixpod/