Your Money Hour Podcast

Drowning in debt? Tired of paying monthly payments? This video highlights my journey to pay off over $4,000 of debt in three months. I'll be sharing what I did to make this happen...

Do you have life insurance? Which is better? Term or whole life insurance? This video highlights the pitfalls of whole life insurance and the best type of life insurance for you and your family. Learn why whole life insurance is a bad buy.

Are you borrowing money from your 401k? Check out this episode to learn the mistakes that people make when borrowing from their retirement.

Thinking about relocating from the U.S.A. to Ghana? Is Ghana the right move for you?Check out today's episode of The Rule Your Money Show as Dakota Grady is joined by Leslie Jones ( @iAmLeslieJones  ) , owner of Vision 2 Reality, Inc. She shares:* Her experience living aboard* Buying land in Ghana* The disadvantages of buying land as a woman in GhanaConnect with Leslie: https://www.youtube.com/@iAmLeslieJoneshttps://www.linkedin.com/in/leslie-jones-15011548/

In this episode, Dakota Grady and Cris Jon (CJ) Nurse, discuss how CJ helped Anthony O'Neal (AO) build his million dollar business and brand through YouTube. If you're ready to start your YouTube channel, check out how CJ breaks down how to get started today. Connect with CJ:contencreators.lifehttps://www.instagram.com/crisjonmedia/Equipment:-Rode mic-Fifine Mic: https://fifinemicrophone.com?aff=2708Money Plan/Budget Tracker: https://www.dakotagrady.com/subscribe/

Money Plan/Budget Tracker: https://www.dakotagrady.com/subscribe/Tax season is here. Should you hire a tax professional or file your own taxes? I'm breaking down the plan to help you determine if you should DIY or hire a pro.

Money Plan/Budget Tracker: https://www.dakotagrady.com/subscribe/ You've heard of professional athletes going broke after earning millions of dollars, right? They're no different than the average American that lacks knowledge of financial literacy. In this episode of The Rule Your Money Show, I'll be breaking down the best financial advice for college and professional athletes, including: * 3 Keys of National Basketball Association (NBA) player and champion, Jayson Tatum's, money management process * How every pro athlete can benefit from his strategy of money management * How it can apply to anyone regardless of their income level Pro athletes like Jayson Tatum are high income earners that make a ton of money in a short period of time, which magnifies their poor money management skills. And it puts their lacks of financial literacy on center stage because of their status and stature. In reality, they're just like most Americans: They don't know how to manage their finances. If you want to learn how to manage and maximize your finances as a college student making millions of dollars, a pro athlete that's earning the average salary or more, or an ordinary dad or mom working a 9 - 5 job, this episode is for you. Learn how to master your finances like a world champion pro! Want more tips about money and business? I invite you to join the newsletter to receive hacks and tricks for your personal and business finances to help you rule your money! https://www.dakotagrady.com. #personalfinance #financialliteracy #moneymanagement #nba #nfl #mlbb #wnba #mls #prosports #nil #collegesports #wealth #jaysontatum #bostonceltics #tennis

Money Plan/Budget Tracker: https://www.dakotagrady.com/subscribe/

Money Plan/Budget Tracker: https://www.dakotagrady.com/subscribe/

Money Plan/Budget Tracker: https://www.dakotagrady.com/subscribe/ How do you pay yourself as a single member LLC (limited liability company?)?

Money Plan/Budget Tracker: https://www.dakotagrady.com/subscribe/ You've been struggling all year long financially. I am giving you the game plan to create margin in your finances.

Money Plan/Budget Tracker: https://www.dakotagrady.com/subscribe/

Money Plan/Budget Tracker: https://www.dakotagrady.com/subscribe/ America wants Black people to stay in debt FOREVER! Why? So that we can keep giving our money away to fund other people's communities. Collectively, we earn $1.6 TRILLION! However, we don't know how to manage our finances, we don't own homes compared to our counterparts (i.e., White Americans), and we earn low wages. Therefore, if we continue to borrow money (making other people rich), then we'll stay where were are financially because we won't have the financial resources to invest, save, and create assets that build wealth. Black people know how to "manage" debt (i.e., how to borrow money), but we don't know how to manage money. Let's do something different. That different is to become debt free. How do you become debt free? I'm glad you asked! I'm breaking down: • Three reasons why you should get rid of debt • The simplest and easiest way to become debt free I understand the importance of living debt free. It starts with a mindset shift from being a slave to debt to being free from debt. If you don't change your perspective about debt, you'll "always" have debt. Debt is a thief, not a tool. It's your responsibility to pay off debt. Don't wait for a government bail out to get you out of debt. That's your job! Make 2025 the year that you decide to kick debt to the curb! If you want more tips about money and business, I invite you to join the newsletter to receive hacks and tricks for your personal and business finances to help you rule your money! https://www.dakotagrady.com. Subscribe, and hit the notification bell to never miss a money mastering tip! #personalfinance #financialliteracy #moneytips #moneymanagement #debt #debtfree #finanicalfreedom #credit #creditcard #mortgage #studentloans #automobile #carloans #medicaldebt #heloc

Money Plan/Budget Tracker: https://www.dakotagrady.com/subscribe/

Money Plan/Budget Tracker: https://www.dakotagrady.com/subscribe/ According to statistics, Americans are struggling with their finances, and I am teaching how to overcome the money challenges. ☹️ How can you get off of the hamster wheel of the paycheck to paycheck lifestyle? I'm sharing: • The number one thing you need to make the shift in your finances • How to create an abundance mindset and get rid of stinking thinking As a money coach and entrepreneur, I understand the importance of an abundance mindset and believing in yourself. Breaking broke beliefs will allow you to make huge shifts in your mindset and finances. In order to do that, you must identify the cause of the broke belief system and replace it with an abundance mindset. Remember: Focus on changing your mindset from this day forward to prepare for 2025.

Tax Strategies: https://www.dakotagrady.com/subscribe/ Historically black colleges and universities (HBCUs) are grossly underfunded, and I am addressing the issue to get a resolution help them get the bag.

Tax Strategies: https://www.dakotagrady.com/subscribe/ Trump is pro-crypto - and I am breaking down the plan to help you determine if you should follow suit.

Trump's Back in Office in 2025! Here's the TRUTH about his impact on Black Wealth in America. Donald Trump won the 2024 Presidential Election! Trump's in. Biden's Out. How will Trump's return affect Black wealth in America? There will be changes in the U.S. Tax Law that will impact Federal Income Tax returns for individuals and businesses. Only time will tell how Blacks will respond to Trump's new administration and policies regarding their finances. Will Black America need to tighten their spending and start saving more money? Or, will Trump's policies encourage spending as the U.S. economy rebounds from inflation that has had a chokehold on America? Whether America will be great again financially or not with Trump as the next U.S. President, one thing is certain: Black America still needs to take responsibility for its finances and wealth and not rely on the Federal government to change the lives of the people. Check out this episode of The Rule Your Money Show with Dakota Grady as he breaks down: 1. Four things you need to do NOW as Donald Trump takes office in 2025 2. The TRUTH about Trump's impact on Black wealth and what YOU can do to be proactive If you're: -Struggling financially -Living paycheck to paycheck -Stressed out & credit cards are maxed out -Losing sleep because you're worried about whether or not you're going to be able to pay your bills... Tap into The Rule Your Money Show with Dakota Grady. *The Rule Your Money Show is sponsored and brought to you by Upstate Essential Solutions, LLC!*

Think that entrepreneurship is fun! It can be, but your mental health may take a beating, too. Mental health and entrepreneurship are related because of all of the stress that comes with running a business. Join Dakota Grady on The Rule Your Money Show as he entrepreneurship and mental health with Mental Health Content Creator Kay Joy. You don't want to miss this episode as they dive into some of the challenges that entrepreneurs encounter regarding mental health. If you're an entrepreneur, you're likely to.....TAP IN to find out!If you're: -Struggling financially -Living paycheck to paycheck -Stressed out & credit cards are maxed out -Losing sleep because you're worried about whether or not you're going to be able to pay your bills... Tap into The Rule Your Money Show with Dakota Grady. *The Rule Your Money Show is sponsored and brought to you by Upstate Essential Solutions, LLC!*

Why Americans Are Drowning in Credit Card Debt? According to the U.S. Federal Reserve, Americans have $1.14 TRILLION of credit card debt. You read that right! TRILLION (with a capital "T"). On The Rule Your Money Show, Dakota Grady is joined by Johnny and Theresa Bartelle of the Bartelle's Money Talk Podcast to discuss America's credit card crisis and what we can do to get out of this financial mess. People are endorsing debt like it's a tool and are not being truthful about the credit card crisis that Americans are experiencing. If you're: -Struggling financially -Living paycheck to paycheck -Stressed out & credit cards are maxed out -Losing sleep because you're worried about whether or not you're going to be able to pay your bills... Tap into The Rule Your Money Show with Dakota Grady. *The Rule Your Money Show is sponsored and brought to you by Upstate Essential Solutions, LLC!*

How did "The Godfather" actor, Al Pacino, go broke after losing $50 million? Learn how Al Pacino went broke after earning a big income during his acting career and lost it all on The Rule Your Money Show! Dakota Grady will break down two reasons that Pacino's fortune was squandered and how you too can prevent this from happening to you regardless of your income. Get ready to learn how you can rule your money! If you're: -Struggling financially -Living paycheck to paycheck -Stressed out & credit cards are maxed out -Losing sleep because you're worried about whether or not you're going to be able to pay your bills... Tap into The Rule Your Money Show with Dakota Grady. *The Rule Your Money Show is sponsored and brought to you by Upstate Essential Solutions, LLC!*

Want to learn if you should buy or rent a home? Buying vs renting a home is a major decision that you'll likely encounter as an adult. Dakota Grady breaks down the pros and cons of buying vs renting a home. If you're frustrated or on the fence about buying vs renting a home, tap into today's episode of The Rule Your Money Show. If you're: -Struggling financially -Living paycheck to paycheck -Stressed out & credit cards are maxed out -Losing sleep because you're worried about whether or not you're going to be able to pay your bills... Tap into The Rule Your Money Show with Dakota Grady. *The Rule Your Money Show is sponsored and brought to you by Upstate Essential Solutions, LLC!*

Did you know that 27% of U.S adults have no emergency savings? That's right! Bankrate did a study of over 1,000 people, and one of the results was that people don't have savings as of May 2024. After the pandemic in 2020, everyone should have savings! If you're over 40 years of age and don't have savings, this episode of The Rule Your Money Show is for you! Tune in as Dakota Grady gives you solutions to kick your savings plan! If you're: -Struggling financially -Living paycheck to paycheck -Stressed out & credit cards are maxed out -Losing sleep because you're worried about whether or not you're going to be able to pay your bills... Tap into The Rule Your Money Show with Dakota Grady. *The Rule Your Money Show is sponsored and brought to you by Upstate Essential Solutions, LLC!*

If you're living paycheck to paycheck, you're likely not doing a monthly Money Plan, or budget. If you want to achieve any financial goal - saving, debt elimination, wealth accumulation - it all starts with budgeting. According to Career Builder, 78% of Americans are struggling financially. I wholeheartedly believe one reason that people struggle with money is because they don't budget. No matter how much income you earn, budgeting is necessary. You'll never outgrow the need to manage your finances, and budgeting is the key to manage and maximize your money. You're in the right place today as Dakota Grady is breaking down a zero-based monthly Money Plan. This episode is for anyone that is: -Struggling financially -Living paycheck to paycheck -Stressed out & credit cards are maxed out -Losing sleep because you're worried about whether or not you're going to be able to pay your bills... Tap into The Rule Your Money Show with Dakota Grady. *The Rule Your Money Show is sponsored and brought to you by Upstate Essential Solutions, LLC!*

Do you want to start a business, but don't have money to do it? One of the reasons people don't start a business is because they don't have money. Well, here's how YOU can start a business with no money TODAY! If you're ready to learn how I started my accounting/bookkeeping, tax, and personal finance business with no money, tune into this week's episode of The Rule Your Money Show. Don't let the lack of funding and fear stop you from turning your idea into a reality. In this episode, I will share how I raised capital to start my business using O.P.M. (it may not be what you think!). Get ready for today's episode of The Rule Your Money Show! If you're: -Struggling financially -Living paycheck to paycheck -Stressed out & credit cards are maxed out -Losing sleep because you're worried about whether or not you're going to be able to pay your bills... Tap into The Rule Your Money Show with Dakota Grady. *The Rule Your Money Show is sponsored and brought to you by Upstate Essential Solutions, LLC!*

Do you want to start a business, but don't have money to do it? One of the reasons people don't start a business is because they don't have money. Well, here's how YOU can start a business with no money TODAY! If you're ready to learn how I started my accounting/bookkeeping, tax, and personal finance business with no money, tune into this week's episode of The Rule Your Money Show. Don't let the lack of funding and fear stop you from turning your idea into a reality. In this episode, I will share how I raised capital to start my business using O.P.M. (it may not be what you think!). Get ready for today's episode of The Rule Your Money Show! If you're: -Struggling financially -Living paycheck to paycheck -Stressed out & credit cards are maxed out -Losing sleep because you're worried about whether or not you're going to be able to pay your bills... Tap into The Rule Your Money Show with Dakota Grady. *The Rule Your Money Show is sponsored and brought to you by Upstate Essential Solutions, LLC!*

Are podcasts worth $100 million? Well, Amazon's Wondery thinks so! The Kelce Brothers, Jason and Travis, recently inked a 3 year, $100 million deal with Wondery. It's one of few podcasts that sealed million dollar deals with big name media companies. On the first episode of the new podcast, The Rule Your Money Show, Dakota Grady breaks down what he believes led to Kelce Brothers' podcast, New Heights, to new heights in the podcast industry. Tune in and find out what blew up their podcast! If you're: -Struggling financially -Living paycheck to paycheck -Stressed out & credit cards are maxed out -Losing sleep because you're worried about whether or not you're going to be able to pay your bills... Tap into The Rule Your Money Show with Dakota Grady. *The Rule Your Money Show is sponsored and brought to you by Upstate Essential Solutions, LLC!*

Is Indexed Universal Life Insurance (IUL) bad? IULs are portrayed to be a good asset for a financial plan. In this episode of the Coins, Cashflow, & Conversations Podcast, Dakota Grady breaks down why IULs are horrible for consumers. Although some people may think that IULs are a great way to reduce investment losses, they aren't. Why? Because IULs are not investments; they are insurance. That's one of the problems with IULs. They attempt to combine investing and insurance. If you really want to learn the truth about IULs, tap into this episode of the Coins, Cashflow, & Conversations Podcast! If you're: -Struggling financially -Living paycheck to paycheck -Stressed out & credit cards are maxed out -Losing sleep because you're worried about whether or not you're going to be able to pay your bills... Watch the Coins, Cashflow, & Conversations Podcast with Dakota Grady. *The Coins, Cashflow, & Conversations Podcast is sponsored and brought to you by Upstate Essential Solutions, LLC!*

If you're: -Struggling financially -Living paycheck to paycheck -Stressed out & credit cards are maxed out -Losing sleep because you're worried about whether or not you're going to be able to pay your bills... Watch the Coins, Cashflow, & Conversations Podcast with Dakota Grady. Dakota Grady is joined by T.I.M., The Intentional Millionaire, to discuss his path to a $1 million net worth. You don't want to miss this episode of the Coins, Cashflow, & Conversation Podcast! Tune in today! *The Coins, Cashflow, & Conversations Podcast is sponsored and brought to you by Upstate Essential Solutions, LLC!*

In this episode of the Coins, Cashflow, & Conversations Podcast, Dakota Grady breaks down five tax strategies for small business owners. If you're a small business, specifically a nurse practitioner entrepreneur, med spa owner, or aesthetic entrepreneur, you don't want to miss this episode to learn how to pay less taxes! If you're: -Struggling financially -Living paycheck to paycheck -Stressed out & credit cards are maxed out -Losing sleep because you're worried about whether or not you're going to be able to pay your bills... Watch the Coins, Cashflow, & Conversations Podcast with Dakota Grady. *The Coins, Cashflow, & Conversations Podcast is sponsored and brought to you by Upstate Essential Solutions, LLC!*

In this episode of the Coins, Cashflow, & Conversations Podcast, Dakota Grady discusses how Dave Ramsey's advice impacted his life. Is Dave Ramsey's financial advice outdated and old school, or is it still relative in 2024? Tune in to find out! If you're: -Struggling financially -Living paycheck to paycheck -Stressed out & credit cards are maxed out -Losing sleep because you're worried about whether or not you're going to be able to pay your bills... Watch the Coins, Cashflow, & Conversations Podcast with Dakota Grady. *The Coins, Cashflow, & Conversations Podcast is sponsored and brought to you by Upstate Essential Solutions, LLC!*