Your Money Hour Podcast

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The Your Money Hour Podcast focuses on personal finance, business, and life. Hosted by Dakota Grady

Dakota Grady


    • May 22, 2025 LATEST EPISODE
    • weekdays NEW EPISODES
    • 18m AVG DURATION
    • 222 EPISODES


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    Latest episodes from Your Money Hour Podcast

    Your borrowing money from your 401k is killing your retirement

    Play Episode Listen Later May 22, 2025 9:11


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

    40 Years Old and NO Savings? Here Is Your Retirement Plan (2025)

    Play Episode Listen Later May 17, 2025 11:46


    How to LEVEL UP Your Finances in 2025

    Play Episode Listen Later May 12, 2025 6:56


    40 Years Old Black Woman And Nothing Saved for Retirement - Top 4 Recommendations

    Play Episode Listen Later May 8, 2025 8:06


    Why Black Women shouldn't tell anyone about teaching their kids financial literacy

    Play Episode Listen Later May 4, 2025 6:01


    Debt Crusher Method Explained for Black Women / how to pay off debt / Budget for Beginners

    Play Episode Listen Later May 1, 2025 15:12


    The Problem with Black Women and Money

    Play Episode Listen Later Apr 27, 2025 9:26


    WHEN FAMILY ASKS YOU FOR MONEY! (2025)

    Play Episode Listen Later Apr 25, 2025 12:00


    5 Everyday Things Black Women Should STOP Buying

    Play Episode Listen Later Apr 17, 2025 18:52


    4 Investing Mistakes Black Women Should Avoid

    Play Episode Listen Later Apr 13, 2025 7:10


    AFRAID OF THE TARIFFS? DON'T BE (4 Reasons Why)

    Play Episode Listen Later Apr 10, 2025 6:33


    DOMINATE 2025 With These Money Saving Tips

    Play Episode Listen Later Apr 6, 2025 6:40


    10 Money Rules to USE that will actually WORK in 2025

    Play Episode Listen Later Apr 3, 2025 10:26


    Truth about MONEY in Marriage: 17 years Experience Revealed

    Play Episode Listen Later Mar 28, 2025 8:47


    Why Black Women MUST start saving for retirement

    Play Episode Listen Later Mar 22, 2025 4:51


    The RAW Truth About Financial Freedom (most gurus won't tell you this)

    Play Episode Listen Later Mar 20, 2025 7:14


    No, You DON'T Need to Start a Business (How to Become A 9-5 Millionaire)

    Play Episode Listen Later Mar 17, 2025 12:31


    This is what is killing Black Women's bank accounts...Do This

    Play Episode Listen Later Mar 16, 2025 6:35


    Why starting a rainy day fund is a brilliant idea (even if you no money saved)

    Play Episode Listen Later Mar 13, 2025 11:31


    Managing Finances is easier than you think

    Play Episode Listen Later Mar 7, 2025 9:26


    3 Tips on Starting Your Debt Free Journey (So It Doesn't Suck)

    Play Episode Listen Later Mar 6, 2025 6:20


    How She Bought BEACHFRONT LAND in GHANA!

    Play Episode Listen Later Feb 28, 2025 35:58


    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/

    Anthony O'Neal's Backstory: How This Creator Skyrocketed AO's Brand

    Play Episode Listen Later Feb 21, 2025 27:38


    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/

    Should You Do Your Taxes Yourself Or Hire a Tax Preparer? (Must WATCH!)

    Play Episode Listen Later Feb 7, 2025 6:20


    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.

    The Best Financial Advice for Pro Athletes: Financial Literacy 101

    Play Episode Listen Later Jan 31, 2025 12:47


    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

    Small Business Taxes for Beginners: How to Calculate Quarterly Taxes Quickly

    Play Episode Listen Later Jan 24, 2025 6:43


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

    Are Entrepreneurs Risking Their Health to Pursue Wealth?

    Play Episode Listen Later Jan 17, 2025 16:30


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

    How to PAY YOURSELF As An LLC in 2025

    Play Episode Listen Later Jan 10, 2025 7:38


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

    How to NEVER Be Broke Again

    Play Episode Listen Later Jan 3, 2025 13:47


    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.

    BREAKING NEWS: FINCEN BOI Report on HOLD AGAIN

    Play Episode Listen Later Dec 30, 2024 16:48


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

    America Wants YOU in DEBT FOREVER (Don't Think So? Watch This!)

    Play Episode Listen Later Dec 27, 2024 17:10


    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

    Master Your Money: Essential Financial Literacy Tips for 2025

    Play Episode Listen Later Dec 20, 2024 10:21


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

    From Broke to Abundance: How to go from scarcity to creating an abundance mindset

    Play Episode Listen Later Dec 13, 2024 11:25


    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.

    Why Are HBCUs Are Being ROBBED of Billions in Funding?

    Play Episode Listen Later Dec 6, 2024 11:47


    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.

    Bitcoin Act: Trump's Crypto Revolution for the USA in 2025

    Play Episode Listen Later Nov 29, 2024 18:06


    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.

    Donald Trump Won the Election. How Will He Impact Black Wealth in America?

    Play Episode Listen Later Nov 22, 2024 30:36


    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!*

    Mental Health and Entrepreneurship: The Hard Truth

    Play Episode Listen Later Nov 15, 2024 15:16


    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!*

    America's $1.14 TRILLION Credit Card Crisis

    Play Episode Listen Later Nov 8, 2024 18:06


    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 Losing $50 Million Led to Al Pacino Going Broke

    Play Episode Listen Later Oct 31, 2024 8:56


    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!*

    Buying vs Renting A Home: What NOBODY Is Telling You

    Play Episode Listen Later Oct 24, 2024 11:15


    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!*

    If you Are Over 40 and Have Zero Savings...Watch This

    Play Episode Listen Later Oct 17, 2024 8:00


    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!*

    How to Start Living Below Your Means and Save More Money (Budgeting Tips)

    Play Episode Listen Later Oct 10, 2024 10:10


    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!*

    Top 4 Mutual Funds To Get Rich (Investing Made Simple)

    Play Episode Listen Later Oct 3, 2024 11:10


    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!*

    How to Start a Business With NO MONEY (You Won't Believe This)

    Play Episode Listen Later Sep 26, 2024 14:18


    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!*

    This Is How You Close a $100 MILLION Podcast Deal | Kelce Brothers

    Play Episode Listen Later Sep 19, 2024 11:02


    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!*

    This Is Why Indexed Universal Life Insurance (IUL) Is TRASH!

    Play Episode Listen Later Sep 12, 2024 9:42


    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!*

    How to Become a Millionaire

    Play Episode Listen Later Sep 5, 2024 29:02


    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!*

    Tax Strategies for Small Business Owners to Help Reduce Taxes

    Play Episode Listen Later Aug 29, 2024 9:04


    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!*

    Is Dave Ramsey's Advice Old School and Outdated?

    Play Episode Listen Later Aug 22, 2024 9:17


    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!*

    How to Stop Living Paycheck to Paycheck

    Play Episode Listen Later Aug 16, 2024 9:41


    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... Then, this episode of the Coins, Cashflow, & Conversations Podcast is a must watch! Dakota Grady gives you the secret sauce to money management: Money Planning. Doing a Money Plan is simply doing a budget. You may already know this, but are you following a budget EVERY MONTH?! I bet you aren't! Tap into this episode of the Coins, Cashflow, & Conversations Podcast to learn how to budget like a champ! *The Coins, Cashflow, & Conversations Podcast is sponsored and brought to you by Upstate Essential Solutions, LLC!*

    You Can't File Your Business Taxes Without This

    Play Episode Listen Later Aug 8, 2024 11:00


    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... Then, the Coins, Cashflow, & Conversations Podcast is for you! Still need to file your business taxes? There's still time to file your taxes if you filed an extension. The tax deadline for extensions is October 15, 2024. However, without this one thing, you will not be able to file your business tax return. Watch the latest episode of the Coins, Cashflow, & Conversations Podcast with Dakota Grady to find out what you need to have your business tax return filed. *The Coins, Cashflow, & Conversations Podcast is sponsored and brought to you by Upstate Essential Solutions, LLC!*

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