Podcasts about budgeting

Debt, Home Buying, Saving, Retirement, Investing, Career, Education As heard on this episode:  NetSuite: https://bit.ly/2WBLh5c  Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started:  Debt Calculator: https://bit.ly/2Q64HME Insurance Coverage Checkup: https://bit.ly/3sXwUn5 Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE

Career, Debt, Saving, Education, Saving As heard on this episode:  DreamCloud: https://www.dreamcloudsleep.com/delony  PureTalk: https://bit.ly/2XfwRaA  Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started:  Debt Calculator: https://bit.ly/2Q64HME Insurance Coverage Checkup: https://bit.ly/3sXwUn5 Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE

Debt, Taxes, Budgeting, Home Selling, Education As heard on this episode:  Christian Healthcare Ministries: https://bit.ly/2XBZfE3  Zander Insurance: https://bit.ly/2Xbn7hD  Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started:  Debt Calculator: https://bit.ly/2Q64HME Insurance Coverage Checkup: https://bit.ly/3sXwUn5 Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE

Career, Debt, Home Buying, Home Selling As heard on this episode:  SimpliSafe: https://bit.ly/37NBd9g  PureTalkUSA: https://bit.ly/2XfwRaA  Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started:  Debt Calculator: https://bit.ly/2Q64HME Insurance Coverage Checkup: https://bit.ly/3sXwUn5 Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE

Career, Debt, Home Buying, Home Selling, Budgeting, Investing As heard on this episode:  Zander Insurance: https://bit.ly/2Xbn7hD  Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started:  Debt Calculator: https://bit.ly/2Q64HME Insurance Coverage Checkup: https://bit.ly/3sXwUn5 Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE

Debt, Career, Education As heard on this episode:  Splash Financial: https://bit.ly/2XAdOIf  Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started:  Debt Calculator: https://bit.ly/2Q64HME Insurance Coverage Checkup: https://bit.ly/3sXwUn5 Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE

Budgeting isn't fun for most people, in fact when I first developed a personal financial plan, it wasn't one of my favorite things to do at the time. I learned how to budget while in the military as a member of the comptroller's organization.What I want you to know is this, after I developed my first financial plan, I never looked back because I discovered that after I assessed my after-tax income, it gave me a better idea of what I was working with.To assist you in developing your financial plan, I am providing you with a few tips for you to develop your own:First of all, what is a budget? A budget is simply a means to track spending and earning. It can be as simple as aiming to keep your credit card charges under $1,000 monthly or as complex as tracking each expense by name, type (entertainment, food, household goods, etc.) and cost in an itemized spreadsheet with corresponding category targets, pie charts and year-to-date analysis. Take these steps.  Learn to track your after-tax income and the amount of money you are spending each month. Take inventory of your finances by setting up a budget, initially, it takes some legwork, but once you get into the rhythm, you should be able to maintain your spending plan with less effort.Stick to your budget. The kind of budget you choose can be dictated by many factors, including your long-term goals, your age, expenses and current living situation. The key is to find a system and breakdown that works for you.Try some new tools. For a low-maintenance budget, try one of these tools that sync your checking, savings and brokerage accounts all in one place. Selecting the right budgeting tool can make or break your ability to follow a spending plan. Consider the following, Pen and paper, envelopes, spreadsheets, worksheets, and the Mint app.Lastly, there's no one-size-fits-all budget, but templates can be customized to track your complete financial picture. A few recommendations include Google Sheets, and Microsoft Excel to name a few.Establish your financial plan today and by the end of the first quarter of 2022, you will be on the road to reaching your financial goals and then hit your goals for the rest of 2022. If you have questions surrounding setting up your financial plan, contact Paul Lawrence Vann at (800) 341-6719 or info@paulvannspeaks.comTune in to listen to this episode with Paul and over 177 episodes at this link  https://bit.ly/3n84XSF

Today's episode of Financially Naked: Stories from The Financial Gym, two of our Certified Financial Trainers, Myriam and Kadri, sit down to talk about 8 strategies for paying down debt. Whether it's consumer debt, student loans, medical debt, personal loans, or some combination of these, it can be overwhelming to know where to start. Myriam and Kadri talk about concrete action steps you can take to tackle debt and break the cycle.   Podcast Notes STOP USING YOUR CARDS - The most important step of getting out of credit card debt is to stop adding more debt.  Kadri often talks to his clients about credit card psychology. Using debit cards while on a debt payoff journey will help you reduce spending. When you spend on a credit card, that balance increases. When numbers go up, we get a good feeling. We only have to pay the bill one time at the end of the month, instead of feeling the money leave with each transaction. It can be a challenge, but here are some tips to make the transition easier:  Take them out of your wallet if you can. Forget chasing credit card points - it isn't worth the interest and the larger minimum payment  Unlink cards to convenience apps like Uber and DoorDash Chase Sapphire Preferred gives you DashPass, the membership program to DoorDash. While this may help you reduce fees, remember that if you are ultimately going to pay interest then any deal can't offset that! There are cases where you have to use your credit card. Maybe you don't have an emergency fund and putting something on your cards will be the difference between caring for a sick family member or not. If you truly want to break the cycle, you need to also work towards an emergency fund FOCUS ON BUILDING AN EMERGENCY FUND BEFORE AGGRESSIVELY PAYING DOWN DEBT  This is the best way to break the debt cycle  If you've heard the phrase “pay yourself first,” this is an example of that. If you are constantly using your spare cash exclusively towards debt and something major comes up, you'll have to rely on your credit cards This can take time. Saving money is a grind, and that's totally okay!  Though you won't earn a ton of interest, it's worth it to build this insurance policy to prevent you from using cards. However, there are still ways to be mindful of the interest you're paying - one is through the debt avalanche approach. THE DEBT AVALANCHE APPROACH  Tackle the highest interest debt first. If you have an extra $500 to put somewhere (and your emergency fund is fully funded), use that total amount and put it towards one debt, rather than spreading it across a few. This is mathematically the best way to pay down debt if you're going to make additional payments.  You may not like math, but you can use it to your advantage by paying down your highest interest rate debt first by putting extra money towards it.  You can reduce your debt payments even further with a few tools - one I would consider a little tricky, which is debt settlement, and one I would consider more straightforward, which is balance transfer cards and personal loans.  The Snowball Method is another option for paying down debt. Instead of working on the highest interest debt, extra payments are made to the smallest balance debt. This method works well for a lot of people. It comes down to knowing yourself and using whichever method works for you! DEBT SETTLEMENT VS. DEBT MANAGEMENT  Debt Settlement The pros: you can potentially reduce the amount of money you need to pay for your debts, and you can use the money you were spending on debt minimums to save for your emergency fund or make ends meet. The cons: your creditors may not agree with debt settlement, your credit score will likely tank, and you could be charged more debt and fees. This is also tricky because you can get in hot water if you choose to not pay your debt obligations to have more bargaining power in the settlement. There are other somewhat shady companies that handle the debt settlement process for you. What they provide is nothing that you can't do yourself. Always be careful and ask a lot of questions when looking into these companies.  They'll typically ask you to still make monthly payments that they save on your behalf so they can pay the reduced amount for you later. Debt Management  In contrast with debt settlement companies and strategies, there are debt management nonprofits that work with your creditors on your behalf to help lower interest rates, lower fees, and sometimes monthly payments.  They help you keep your credit from suffering if you're struggling with your monthly payments and can work with you to create better cash management habits  It's important to do your research and ask questions. ‘Nonprofit' does not mean they have your best interest in mind. At the end of the day, it is a corporate filing.  They look at your full debt picture. If you have cards open, they require you to shut down your cards, keeping just one open. They have relationships with lenders and will go to them and negotiate the interest on your behalf. Instead of paying the lenders directly, the minimum payment goes to the nonprofit. Programs like this have advantages, but you can also do this on your own, though it takes some time and you might have to make a few rounds of phone calls.  If you miss a payment, all bets are off. You cannot miss a payment. There is risk there, but that's pretty much how it goes.  There are other ways to lower your interest and / or your monthly payments. They are balance transfer cards and personal loans BALANCE TRANSFER AND PERSONAL LOANS  Balance transfer cards usually offer a 0% or lower APR, and you move the balance from one card onto this new one, giving you more time to pay down the debt.  While helpful to reduce interest payments, this can enable you to spend more because you now have more available credit.  Before consolidating, make sure to give yourself some time to get used to a new spending plan that is sustainable for your income. Knowing yourself and your habits is important.  To find a list of BFF Approved Balance Transfer cards, check out this page!  Nerdwallet is also a great resource when looking for cards.  If you already have credit cards, there may be balance transfer options available, so make sure to check those out when you do your research. INCREASE YOUR INCOME This can come from getting a promotion, switching jobs, getting a second job, or starting a side hustle (with low to no startup costs).  Earning more money is something Kadri encourages all of his clients to do. It's easier said than done, but Trainers see it all the time with their clients. They'll get a new job with a 40k salary increase or really advocate for themselves and get a raise in their current roles.   Think about all of your talents, expertise, and get creative when thinking about how you can make more money.  Once you start making more money, be mindful of lifestyle creep. It's important to know yourself and have a plan in place.  Take a look at your expenses and ensure they're helping you reach your debt repayment goals. When it comes to building wealth, look at both sides: increasing income and reducing expenses is the key. REDUCE EXPENSES  The first step, add up all of your fixed expenses, including debt minimums. How much is left over for your variable expenses, savings, and extra debt repayment? There is a minimum you want to have for your variable expenses, especially in high cost of living areas.  When Myriam makes financial plans, she aims to have at least $860 per month or $200 per week for variable expenses. The bare minimum for lower cost of living areas is about $530 per month or $125 per week.  It can feel like a lot of sacrifice. You want to check in with yourself and ensure your physical and mental wellness is being taken care of.  It's easier said than done. There is only so much that can be cut.  Closing the gap between your income and spending is the only way to truly break out of the debt cycle. It is a process and takes time. Be patient and find what works for you. DON'T BE AFRAID TO CONSIDER BANKRUPTCY  Bankruptcy gets a bad reputation, but it can be an amazing tool, especially if your debt to income ratio is 50% or above.  A quick rundown on bankruptcy: it gives you a lot of protection. Your creditors cannot contact you, sue you, put liens on your property or garnish your wages. You can also sometimes be protected from any income tax penalties for the forgiven debt. It is a tremendous tool to give yourself a clean slate. Once you have gone through the process, the debt is gone.  It is a long process and can take months. While bankruptcy does not need to be scary, it should be taken seriously. You can only declare bankruptcy every ten years, so having a plan of action for once the debt is clear is incredibly important!  Martinis and Your Money Episodes about bankruptcy  Declaring Bankruptcy with Colleen  Life After Bankruptcy with Natalie Jean Baptiste  From The Financially Free Blog:  How to File For Bankruptcy  THE BIG TAKEAWAY:  Stop using your credit cards (if you can, and there are some situations where you temporarily have to) Build your Emergency fund Debt avalanche approach Debt management vs settlement Debt consolidation using tools like balance transfer cards and personal loans Increasing your income Reducing your expenses Don't be afraid to consider bankruptcy One of the newest programs at The Financial Gym is our Trainer on Demand, where you can schedule a call every month to chat with a Certified Financial Trainer. If you're looking for someone to help you make a debt management plan and click this link to learn more!    MEET THE TRAINERS Level 3 Certified Financial Trainer, Kadri Augustin Level 2 Certified Financial Trainer, Myriam Robinson 

Home Selling, Debt, Insurance, Home Buying, Career As heard on this episode:  Churchill Mortgage: https://bit.ly/2JcfkGy  Zander Insurance: https://bit.ly/2Xbn7hD  Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started:  Debt Calculator: https://bit.ly/2Q64HME Insurance Coverage Checkup: https://bit.ly/3sXwUn5 Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE

Saving, Relationships, Debt, Education, Home Buying As heard on this episode:  Christian Healthcare Ministries: https://bit.ly/2XBZfE3  Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started:  Debt Calculator: https://bit.ly/2Q64HME Insurance Coverage Checkup: https://bit.ly/3sXwUn5 Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE

Debt, Investing, Retirement, Education, Relationships, Career As heard on this episode:  NetSuite: https://bit.ly/2WBLh5c  PureTalkUSA: https://bit.ly/2XfwRaA Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started:  Debt Calculator: https://bit.ly/2Q64HME Insurance Coverage Checkup: https://bit.ly/3sXwUn5 Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE

Today I am sharing my best tips and tricks when it comes to budgeting and saving in the new year. I'll be going over my last quarter spending and the expenses I cut along the way. If you are looking to get more organized with your money this is the episode for you. I get into the exact processes I have and why it is so important to have a system that you are comfortable with. I share what I did in 2021 and how I am moving forward in 2022. You can use this method or come up with your one that will work best for you and your lifestyle. As I mentioned in the show all the visuals can be found on my TikTok. You can connect with me here: https://www.tiktok.com/@kellyanngormanofficial? Don't forget it is never too late to start getting organized and increase that productivity level. Tune in to the last few episodes where I share more of what works best and how you can incorporate the methods I use into your everyday life. Again, visuals are on my TikTok. Let me know what you loved most about this episode over on Apple Podcasts. Be sure to screenshot and tag me so you can take advantage of my 15-minute coaching call. Totally free with a review. MENTIONED IN THE SHOW MONEY BOOKS: https://www.amazon.com/shop/KELLYANNGORMAN?listId=2P02642QWO4OR EXCEL SPREADSHEET: https://everything-is-messy-collection.myshopify.com/products/customizable-microsoft-excel-spreadsheet?_pos=1&_psq=excel&_ss=e&_v=1.0 FREE EBOOK: https://kellyanngorman.us12.list-manage.com/subscribe?u=ba2c1548c9369aae25befa59a&id=75a828f39c DISCOUNT ON BRANDS YOU WILL LOVE: https://kellyanngorman.com/shop/ CONNECT WITH KELLY WEBSITES: everythingismessy.com and kellyanngorman.com WEEKLY NEWSLETTER: https://kellyanngorman.com/business-mindset-organizational-tools/ LINKEDIN: https://www.linkedin.com/today/author/kellyanngorman/ MEDIUM: https://kellyanngorman.medium.com/ INSTAGRAM: @kellyanngormanofficial  YOUTUBE: https://www.youtube.com/kellyanngorman TIKTOK: https://www.tiktok.com/@kellyanngormanofficial? SUPPORT THE SHOW SHOP EVERYTHING IS MESSY COLLECTION: everythingismessy.com SHOP WITH KELLY'S BRAND PARTNERS: https://kellyanngorman.com/shop/ DONATION: https://www.paypal.com/paypalme/kagenterprises

This week we highlight tips for online shopping. What types of research are beneficial and where to obtain it. Also, we perform a historical look at 2021's purchase to reveal the reason why we purchase items. In the roundtable we discuss the words and phrases that people use to intentionally insult people as well what we do pacify their behavior in conversations.  Website   https://www.somethingonmymind.net/ Merchandise https://www.somethingonmymind.net/shop Social Media  https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en https://www.facebook.com/somm.podcast https://twitter.com/Somm_podcast

Your money does what you tell it to do. With a little intentionality, you can make your money go a lot further—we'll show you how! Listen in to learn: 3 Places You Overspend (Without Even Knowing It) 15 Practical Budgeting Tips 7 Things That Are Keeping You Broke Support our sponsor: https://www.zanderins.com/term-life-insurance/instant-quotes?utm_campaign=rachel-cruze-show&utm_source=podcast&utm_medium=partner&utm_content=&utm_term= Download my FREE Meal Planner and Grocery Savings Guide: https://www.ramseysolutions.com/budgeting/meal-planner

We find it fascinating to learn what other families spend in a year, so we're sharing what it costs our families of 4 and 5 to live for a whole year.  If you've ever wondered what we spent in an entire year, well now you'll know!  We dig into why and how we track our expenses, what it costs our families to live for a whole year and reflections on a year's worth of expenses.   Why we track our expenses:One of the most important financial metrics every person or family should know is what it costs them to live for a year, even if it fluctuates year to year.  This is one of the most important numbers you need to know for early retirement or general financial planning.  The best way to reduce your expenses is to know where your money is going. Then, what gets measured gets better.  How we track our family's expenses:Mike and Britta manually track their expenses by keeping receipts and logging them into an excel sheet.  Maggie and Greg leverage Mint to track all expenses.  They track expenses in Mint, categorize them, and then download and summarize them in excel every 3-6 months.   We worry less about the how and more about making sure we have a handle on what we're spending as a family.  Some people prefer apps such as YNAB (you need a budget), though we prefer a free approach vs. paying for an app or service. Before we review things in detail, some additional context:These numbers do not capture any of our income; they are focused on our expenses.  This does not include any rental business expenses or child support for Maggie and Greg.  We have also both paid off our mortgages, and ironically we did it through a lower cost of living, and now it's even further reduced our cost of living.  It's the compound power of spending less!Full-year review of our families spending levels:We each share our total expenses and top categories of spending.   In addition, we each share the top things we feel good about and areas where we'd like to improve in 2022.  Top 3 takeaways:It's an important investment in your finances and relationships to track and review expenses with your spouse.  There's no perfect way to do this.  You can be as detailed or as high-level as you want to be.  It's called personal finance for a reason.  It can be fun and helpful to review and discuss this with another family.  Show references:Friends on FIRE episode #109 - Talking to your partner about moneyFriends on FIRE episode #27 - Why Tracking Net Worth MattersFriends on FIRE episode #15 - Expense Tracking Gone WildNet worth tracking spreadsheetExpense tracking spreadsheetFriends on FIRE episode #117 - The ultimate paper-free way to control your financial lifeFriends on FIRE episode #060 - Budgeting vs. Tracking Expenses---Follow friends on FIRETwitterInstagramFacebookLinkedInLeave us a voicemail or text us: 404-981-3370eMail us at:  friendsonfiremm@gmail.comVisit our website: www.friendsonfire.org---Other LinksMaggie's Blog: Mostly Minimal LifeMike's Book: Your New Relationship with Money

Episode 123 is the shame-free guide to budgeting featuring Lexa VanDamme, creator of The Avocado Toast Budget!Lexa VanDamme (she/her) is a queer personal finance coach and creator of The Avocado Toast Budget (The ATB). Her mission is to teach people how to save, pay off debt, invest, and finally feel confident with money. Lexa provides shame-free personal finance education via Instagram, TikTok, and YouTube. You can enroll in The ATB's Financial Survival Guide here.Episode 123 Highlights:The importance of financial self-care with your budgetShifting the narrative around money and budgetIT'S OKAY TO MAKE MISTAKES!!!What was her "aha" moment when she realized she needed to make a change"There is NO ROOM for shame in your budget"Struggles, secrecy and negativity around $$Trying to live a similar lifestyle as her parents once she became an adultThe correlation between mental health and moneyAnd much more!For full episode show notes, visit us here.We appreciate how Lexa was so open and honest about a topic that, truth be told, is super uncomfortable and something many of us don't like to talk about! Let this episode give you the permission to stop being so damn hard on yourself. Learn through what you go through. And let's start breaking down those walls of money and shame! Thank you for an amazing conversation, Lexa!

Home Buying, Debt, Education, Relationships, Saving, Budgeting As heard on this episode:  Splash Financial: https://bit.ly/2XAdOIf   Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started:  Debt Calculator: https://bit.ly/2Q64HME Insurance Coverage Checkup: https://bit.ly/3sXwUn5 Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE

Home Buying, Investing, Retirement, Home Selling, Debt, Education, Budgeting As heard on this episode:  Christian Healthcare Ministries: https://bit.ly/2XBZfE3  Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started:  Debt Calculator: https://bit.ly/2Q64HME Insurance Coverage Checkup: https://bit.ly/3sXwUn5 Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE

Saving, Education, Career, Debt, Taxes, Budgeting As heard on this episode:  NetSuite: https://bit.ly/2WBLh5c Zander: https://bit.ly/2Xbn7hD Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started:  Debt Calculator: https://bit.ly/2Q64HME Insurance Coverage Checkup: https://bit.ly/3sXwUn5 Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE

In this episode of AsianBossGirl, we sit down with Berna Anat, financial hype woman, and host of Betches' Money Please podcast, to discuss personal finance from the perspective of a millennial/gen-z woman of color and child of immigrants.  We talk about the concept of financial trauma, what it's like to chase your dreams in NYC on a starting salary, then be confronted with managing your personal finances on a tech salary, how to pay off debt, some hilarious but effective tips for budgeting, when it's best to start saving for retirement (401-who?!), investment apps, credit cards, and even crypto. Tune in for the convo! Find Berna on IG @heyberna and check out her podcast Money Please with Berna Anat, Betches Media Resources: Tiffany Aliche, The Budgetnista Yanely Espinal, MissBeHelpful Brown Ambition Podcast Bad With Money with Gaby Dunn Advisorsgiveback.org This episode was edited by Michelle Hsieh. ___________________________ L I S T E N E R S U R V E Y: Let us know your thoughts on the podcast here P A R T N E R S mentioned in this episode: - Modern Fertility: Get $20 off your fertility test at modernfertility.com/ABG - Peloton: Try Peloton app for free for 2 months, then $12.99/month after at onepeloton.com/app - First Republic: Check them out at firstrepublic.com - Aurate: Get 20% off at AurateNewYork.com with code abg - Blinkist: Get 7 days free + 25% off your Premium membership at www.blinkist.com/abg - Green Chef: Get $130 off +free shipping at greenchef.com/abg130 S H O U T O U T ! - Give a shoutout on the podcast here. S U B S C R I B E T O U S ! - @asianbossgirl on Apple Podcasts / Spotify / YouTube / Instagram / Twitter / Facebook - More about us at asianbossgirl.com E – M A I L U S ! - hello@asianbossgirl.com S U P P O R T U S ! - merch: asianbossgirl.myshopify.com - donation: anchor.fm/asianbossgirl/support Learn more about your ad choices. Visit megaphone.fm/adchoices

Debt, Education, Investing, Insurance, Home Buying, Home Selling, Saving As heard on this episode:  SimpliSafe: https://bit.ly/37NBd9g  Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started:  Debt Calculator: https://bit.ly/2Q64HME Insurance Coverage Checkup: https://bit.ly/3sXwUn5 Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE

Debt, Investing, Education, Retirement As heard on this episode:  Zander Insurance: https://bit.ly/2Xbn7hD  Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started:  Debt Calculator: https://bit.ly/2Q64HME Insurance Coverage Checkup: https://bit.ly/3sXwUn5 Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE

Home Buying, Career, Debt, Investing As heard on this episode:  DreamCloud: https://www.dreamcloudsleep.com/delony  Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started:  Debt Calculator: https://bit.ly/2Q64HME Insurance Coverage Checkup: https://bit.ly/3sXwUn5 Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE

This week's topic is about student loan moratorium. The federal student loan moratorium has been extended for the third time due to the Coronavirus pandemic. The loan relief began in March of 2020 and was set to end September 30, 2021 which was moved to January 31, 2022 and then moved again to May 1, 2022.  Moratorium means that payments for principal or interest are not required and without any penalty. With the suspension payments, we know this is needed for many Americans; however, the important notion is to consider making payments if you have the means to do so. The simple fact is that you are delaying payments which only extends the life of your loan.  So let's take the average student loan interest of 6% and the average loan amount of $30,000 for a 20-year period. That comes to $215 per month or $5,600 over the full moratorium period which is currently 26 months. After this duration, you'd still have a principal balance of $28,201.  The bottom line is that it takes a long time to pay loans off and they are simply a sword in the sides of borrowers. However, amortization is weighed heavily on interest at the beginning of the loan so all payments help, especially additional principal.  The second point is you should not rely on congress for loan forgiveness as the odds are small. Just $10,000 given to each borrower would cost the government over a quadrillion - and if you don't know that's a 1 with 12 zeros after it.  Website   https://www.somethingonmymind.net/ Merchandise https://www.somethingonmymind.net/shop Social Media  https://www.instagram.com/somm.podcast/ https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw https://www.tiktok.com/@somm.podcast?lang=en https://www.facebook.com/somm.podcast https://twitter.com/Somm_podcast

Welcome to this version of the Just Start Real Estate Podcast! I am excited to bring you another replay of my Facebook Live Question and Answer sessions. I just started doing these live forums in April and they are going so well and I am getting such great feedback and questions, I thought I would share them here on the podcast. Especially for those people that are unable to join us live, this will provide an opportunity to hear the awesome questions I am fielding about business, taking risks, real estate, and so much more! Some of the questions have been very real estate specific, but others have been general business questions, like asking about overcoming fear in order to get started and how to successfully scale. I have also received more personal questions like how I decided real estate investing was right for me and the steps I took to get my business off the ground.   This presentation is the live Q&A that I did the week of December 29th and each Thursday we will offer you another chance to take advantage of listening to the answers to our guests' fabulous and compelling questions! Don't miss this new episode of the Just Start Real Estate Podcast! Notable Quotes:   “I have several friends that are in the short-term rental market and they are handling them in vastly different ways from each other.”   “Most short-term rentals investors are getting enough return on their investment to pay off the property in 4 to 6 years.”   “Make sure the numbers make sense for you.”   “In real estate, you want to have a marketing budget that gives you a four-to-six-month runway.”   “The bigger a company gets, the slower it tends to move.”   “Use speed to your advantage in marketing.”   “Entrepreneurship can be really lonely. You have to surround yourself with people that remind you why you are doing what you are doing.”   “You have to have a really powerful ‘why” to stay motivated in your business.” Links: 7 Figure Investor Flip Hacking Live 7 Figure Flipping Return on Investments Just Start Real Estate JSRE on Facebook Mike on Facebook Mike on Instagram Mike on LinkedIn Mike on Twitter Level Jumping: How I Grew My Business to Over $1 Million in Profits in 12 Months

Leadership, Career, Debt, Investing As heard on this episode:  Churchill Mortgage: https://bit.ly/2JcfkGy  Zander Insurance: https://bit.ly/2Xbn7hD  Learn how to build wealth the right way in 2022 w/ our FREE livestream: https://bit.ly/3qao3zI Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started:  Debt Calculator: https://bit.ly/2Q64HME Insurance Coverage Checkup: https://bit.ly/3sXwUn5 Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE

Budgeting, Debt, Education, Investing As heard on this episode:  SimpliSafe: https://bit.ly/37NBd9g  Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started:  Debt Calculator: https://bit.ly/2Q64HME Insurance Coverage Checkup: https://bit.ly/3sXwUn5 Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE

Home Buying, Saving, Education, Debt As heard on this episode:  Splash Financial: https://bit.ly/2XAdOIf   Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started:  Debt Calculator: https://bit.ly/2Q64HME Insurance Coverage Checkup: https://bit.ly/3sXwUn5 Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE

Looking for inexpensive cookies, muffins, rolls or other baked goods? On this episode of Eight Frugal Minutes we discuss how to find discount baked goods locally. You might be surprised what is available at the nearby bakery, grocery store and a few other stores in your neighborhood. --- Send in a voice message: https://anchor.fm/eight-frugal-minutes/message

Welcome to the second installment of Retirement Plan Live. This is the episode where we run the initial numbers for Joelle's retirement. We'll walk through the 3 categories to define Joelle's base needs, wants, and wishes and put number values to each of these areas.  In addition to the interview with Joelle, you'll hear listener questions about how to feel comfortable about retirement, converting 401Ks to Roth IRAs, and how my personal journey finding health insurance has turned out.  As a bonus, you'll hear an interview with Joe Saul-Sehy from the Stacking Benjamins podcast who has written a new book called Stacked. Listen in to hear if it is worth the read.  Check your email this weekend to receive a free retirement planning worksheet If you are following along with Retirement Plan Live and creating your own retirement plan, make sure that you are signed up for the 6-Shot Saturday weekly newsletter. In this Saturday's newsletter, you will receive a link to a simple worksheet that will help guide you through your own retirement plan the way that I am walking through Joelle's retirement plan.  6-Shot Saturday is full of tips, news, listener questions, and more, straight from the Retirement Answer Man to your inbox. Simply head on over to RogerWhitney.com, scroll down to the bottom of the page, and enter your name and email address to sign up.  Financial behavior is at the heart of all money management issues Have you ever listened to the Stacking Benjamins podcast with Joe Saul-Sehy? If so, you'll want to check out his new book, Stacked. If you haven't heard his podcast, check it out on your favorite podcasting app. Joe joins me today to discuss why he wrote his new book, how he wrote it, and why it's important.  Did you know that 150 million Americans have cried about money? This number doesn't only include people who live paycheck to paycheck, people who earn more are also concerned about money. These people aren't crying about the loss of the mega backdoor Roth or cryptocurrency. They are crying about their financial behavior. Many people who are educated about money and finances still struggle with their financial behavior. Mastering your finances isn't about what you know, it's about what you do.  Stacked helps readers take action to improve their financial situation Traditional finance books often overcomplicate finances or hype certain complicated financial strategies. Stacked helps readers understand what they should be thinking about when it comes to financial matters and why they should think about them. Since Joe discovered that people need actionable items to complete to successfully change their financial behavior he decided that his book should help readers change their financial behavior through action. The book is based on achievements that are built on micro-actions. Its format is award-based, similar to the way that many educational apps gamify learning.  Joe begins financial planning with the end in mind Joe's book begins with the end in mind. It is goal-based and helps readers create a timeline to put their goals in perspective. Since most of us are visual learners, the book helps to plot things visually so that readers can begin to work on their financial problems.  As you read, you'll be able to visualize your goals so that you can put a list together to understand what you truly value and how that applies to your financial plan. Check out Stacked if you are interested in a light-hearted approach to a serious subject matter that gives you actionable items to get you closer to your financial goals.  OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN RETIREMENT PLAN LIVE WITH JOELLE [3:04] Joelle's base spending needs [8:50] Joelle's future expenses [20:25] Budgeting will be a new experience for Joelle and her husband [23:49] Joelle's aspirations [29:35] They plan to age in place LISTENER QUESTIONS [34:25] A 401K to Roth transfer question [38:39] How to help Tracy's husband retire again [43:04] My health insurance journey [46:10] Reverse mortgages JOE SAUL-SEHY INTERVIEW [47:09] Money management can be stressful [51:22] How Joe wrote his book [59:23] Begin with the end in mind [1:07:00] Joe's goals for his book TODAY'S SMART SPRINT SEGMENT [1:10:19] What will you wish you would have done at the end of this year? Resources Mentioned In This Episode BOOK - Stacked by Joe Saul-Sehy BOOK - How to Begin by Michael Bungay Stanier BOOK - Half Time by Bob Buford BOOK - The Second Mountain by David Brooks PODCAST - Stacking Benjamins with Joe Saul-Sehy NeuYear.net Powell's Books

Relationships, Investing, Retirement As heard on this episode:  Christian Healthcare Ministries: https://bit.ly/2XBZfE3  Learn how to build wealth the right way in 2022 w/ our FREE livestream: https://bit.ly/3qao3zI Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started:  Debt Calculator: https://bit.ly/2Q64HME Insurance Coverage Checkup: https://bit.ly/3sXwUn5 Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE

Home Buying, Investing, Retirement, Debt, Budgeting As heard on this episode:  NetSuite: https://bit.ly/2WBLh5c  Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started:  Debt Calculator: https://bit.ly/2Q64HME Insurance Coverage Checkup: https://bit.ly/3sXwUn5 Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE

Investing, Retirement, Home Selling, Debt, Education, Budgeting As heard on this episode:  Zander Insurance: https://bit.ly/2Xbn7hD  Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started:  Debt Calculator: https://bit.ly/2Q64HME Insurance Coverage Checkup: https://bit.ly/3sXwUn5 Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE

#070: Figure out the best budgeting tool to achieve your goals without overcomplicating your life. Visit mappedoutmoney.com/070 to take the quiz.  Featured Links: Sponsor - Ahead In 100 - aheadin100.com Take the quiz - mappedoutmoney.com/070 Reactive Budgeting: Mint - https://mint.intuit.com/ Proactive Budgeting: Anti-Budget (Paula Pant article) - https://affordanything.com/anti-budget-or-80-20-budge/ Excel/ Google Sheets YNAB - https://www.youneedabudget.com/ Qube - https://qubemoney.com/ Stuff We Like - Seinfeld on Netflix  Some featured links may be affiliate links. If you use them, Mapped Out Money may get a small commission — but there is no extra cost to you. To learn more about the show, please visit https://mappedoutmoney.com

I have for you today, the perfect episode especially piggybacking on last week's interview with Couple Money's Elle Martinez. I realize it's pretty bold to call something the number one factor in determining success. The truth is success is a combination of lots of factors. With my more advanced private clients, there are certain habits I like to check in with them about. We're all human and we all have a tendency to drift if we're not intentional. One of those habits and one that is near and dear to me is being on the same page with your significant other about your money. You see, back when Melissa and I were drowning in over 130K of non-mortgage debt, we didn't have good communication around money. Now, it's one of the factors I consider most responsible for the success we've experienced over the past decade. Listen to today's episode as I share the exact strategy we use to be on the same page with our finances. It's not always easy but it's certainly worth it! Here are some important links. Fitness Profits Contact Billy directly about possibly doing coaching with him, visit https://yourfitnessmoneycoach.com/coaching-with-me/ and fill out the form. Listen/Subscribe to the show here: My podcast page Your Fitness Money Coach Itunes Stitcher Spotify IHeart Google You can also search for the Your Fitness Money Coach podcast on major podcast apps.  

Show notes: https://queermoneypodcast.com/podcast/how-to-say-no-to-friends/ It's hard to say no to friends and family when they ask us to do something that's not in our budget. On this episode of Queer Money, we share seven steps to get better at saying no, discussing how to turn down an invitation graciously and explain yourself in a way your friends will understand. Topics Covered  How trying to keep up with the gay community got us into debt How social media exacerbates our desire to keep up with other's Insta-worthy lives Why it's okay to treat yourself so long as you're not sacrificing your financial wellbeing 5 reasons why it's hard to say no to friends and family How FOMO and the disease to please make us say yes to things we can't afford 7 steps to get better at saying no to friends and family Why it's important to say no quickly and firmly How to say no graciously and explain why you're turning down an invitation What it looks like to propose an alternative that's free or cheap Why it's beneficial to practice saying no (without feeling guilty) Resources  Capital One 2021 Financial Wellbeing Survey 5 Steps to Make a Long-Term Financial Plan on Queer Money EP291 5 Steps to Make a Short-Term Financial Plan on Queer Money EP292 5 Steps to Make Your Daily Financial Plan on Queer Money EP293 CreditWise Debt Free Guys on Facebook Debt Free Guys on Twitter Debt Free Guys on YouTube Queer Money Facebook Group Queer Money on Instagram Subscribe on iTunes Email questions@debtfreeguys.com

This week on Status Post Adulting, Sammie and Michelle talk about how to create a budget.  Budgeting is all about designating where you future dollars will go.  You can have a very strict budget or you can loosely budget. Show Notes: Episode #50 Dating AppsYNAB aka You Need a BudgetEpisode #21 Tracking your SpendingMint Budget TrackerDave Ramsey and budgeting for ChristmasCapital One 360 Savings AccountPersonal Capital Buying Lattes Is Not Keeping You From Being Rich by By Paul B. Brown, New York Times"This is my concept of a “Stupid Mistakes” sub-savings account. Everyone should have one." - @ramitesethi 50/30/20 Rule Budgeting Status Post Adulting Instagram: @statuspostadultingStatus Post Adulting Email: statuspostadulting@gmail.comFind all show notes at statuspostadulting.com

On this episode of Financially Naked: Stories from The Financial Gym, two of our trainers sit down to Gymsplain student loans. Mike, Level 2 Certified Financial Trainer, is joined by Joy, Head of Trainer Academy and Certified Financial Trainer.The general consensus around The Financial Gym: student loans are really no big deal. Common feelings surrounding student loan debt are often fear, anxiety, and shame. Joy and Mike hope to demystify these loans and provide some tips for your debt payoff journey. You don't have to scale the mountain of student loan debt before enjoying your life.  **Please note this episode was recorded before the government's decision to extend student loan payment pause through May 1, 2022. For more information on this check Federal Student Aid website. The advice still applies! Podcast Notes There are two main types of student loans: Federal Loans - provided by the government based on your FAFSA resultsPrivate Loans - provided by a private lender like a bank or company FEDERAL LOANS:  there are a few different types of federal student loan options.  Subsidized: government pays the interest while you are in school Unsubsidized: You're responsible for the interest accrued while in school  Parent Plus: Loans your parents take on your behalf Grad Plus: For graduate students based on a federal aid package   All of these federal loans have various repayment options. Standard, income-based, and gradual repayment plans are some examples.  Income-based repayment plans all come with loan forgiveness later down the road (20-25 years).  Public Service Forgiveness is available if you are employed by a U.S federal, state, local, or tribal government, or not-for-profit organization. This is a 120-month or 10-year program.  The Federal Government put an administrative pause on federal loans the last two years as part of COVID relief efforts, which is a huge benefit of federal loans.  You can apply for your own deferment or forbearance if you are personally experiencing a hardship.   Federal loans can be consolidated into one big federal loan. This opens up other repayment options and can simplify your payments.  You can refinance your federal loans into private loans, if you wish. Though it is rarely recommended because you lose the flexibility and benefits that come with federal loans.  Unlike other collections, student loans don't go away. You do have the option for loan rehabilitation. It's important to be prepared and organized for this process because you only have one chance with this program. A trainer can help get your ducks in a row.  PRIVATE LOANS:  Typically supplemental funds families take out if they don't have enough federal aid to cover the cost of school. They can be used to cover living expenses and fees and other school-related costs.  These are more similar to a traditional loan because they are held by a private lender, bank or company that handles only student loans  They are under no obligation to honor and forgiveness or other programs the government is offering with federal loans One perk of private loans is it is a competitive industry, so there are options for refinancing as your income and credit score increase.  OVERALL THOUGHTS ABOUT STUDENT LOANS  When it comes to student loans, the goal doesn't always have to be ‘get the balance to 0' Student loan payments are money you can't get back once you pay it.   Instead of paying student loans off early, there are other financial priorities to focus on, depending on your situation. It could be high-interest debt, saving into an emergency fund, or investing for retirement.  Student loans don't need to be an emotional burden or cause you stress.  Federal student loans came about during the cold war. They wanted to encourage a population full of people with higher education to keep them competitive in the space race and other global affairs.  Because there are no regulations around the cost of school, the price has gone up astronomically. There are a lot of issues within the workings of higher education and we carry that burden on our backs through these loans.  It is absolutely okay to just pay the minimum. The government prefers you pay the minimum and use your money to stimulate the economy. Doing things like saving for retirement, buying a home, shopping at local businesses. Meet The Trainers Meet Joy Liu, Head of Trainer Academy and Certified Level 2 Trainer  Meet Mike Poulin, Level 2 Certified Financial Trainer  If you want one of our Certified Financial Trainers to work with you on a student loan strategy, book a complimentary consultation today! 

Debt, Retirement, Investing, Home Buying, Home Selling, Insurance, Career As heard on this episode:  DreamCloud: https://www.dreamcloudsleep.com/delony  Learn how to build wealth the right way in 2022 w/ our FREE livestream: https://bit.ly/3qao3zI Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started:  Debt Calculator: https://bit.ly/2Q64HME Insurance Coverage Checkup: https://bit.ly/3sXwUn5 Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE    

Investing, Retirement, Career, Debt, Budgeting, Relationships As heard on this episode:  Zander Insurance: https://bit.ly/2Xbn7hD  Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started:  Debt Calculator: https://bit.ly/2Q64HME Insurance Coverage Checkup: https://bit.ly/3sXwUn5 Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE

Home Buying, Debt, Career, Education, Home Selling As heard on this episode:  Churchill Mortgage: https://bit.ly/2JcfkGy  Bethel School of Technology: https://bit.ly/2Zvx3Ey  Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started:  Debt Calculator: https://bit.ly/2Q64HME Insurance Coverage Checkup: https://bit.ly/3sXwUn5 Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE

Investing, Retirement, Career, Debt, Home Buying, Home Selling, Education, Insurance As heard on this episode:  Zander Insurance: https://bit.ly/2Xbn7hD  Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started:  Debt Calculator: https://bit.ly/2Q64HME Insurance Coverage Checkup: https://bit.ly/3sXwUn5 Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE  

Debt, Home Buying, Career, Relationships, Investing, Retirement, Insurance, Education As heard on this episode:  Churchill Mortgage: https://bit.ly/2JcfkGy   Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started:  Debt Calculator: https://bit.ly/2Q64HME Insurance Coverage Checkup: https://bit.ly/3sXwUn5 Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE  

Investing, Retirement, Taxes, Education, Debt, Relationships As heard on this episode:  DreamCloud: https://www.dreamcloudsleep.com/delony  SimpliSafe: https://bit.ly/37NBd9g  Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started:  Debt Calculator: https://bit.ly/2Q64HME Insurance Coverage Checkup: https://bit.ly/3sXwUn5 Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE

Relationships, Debt, Investing, Retirement, Saving As heard on this episode:  NetSuite: https://bit.ly/2WBLh5c  Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started:  Debt Calculator: https://bit.ly/2Q64HME Insurance Coverage Checkup: https://bit.ly/3sXwUn5 Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE  

Debt, Investing, Education, Relationships, Home Selling, Retirement As heard on this episode:  Splash Financial: https://bit.ly/2XAdOIf  Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started:  Debt Calculator: https://bit.ly/2Q64HME Insurance Coverage Checkup: https://bit.ly/3sXwUn5 Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE  

Education, Home Buying, Debt, Education As heard on this episode:  Zander Insurance: https://bit.ly/2Xbn7hD  Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started:  Debt Calculator: https://bit.ly/2Q64HME Insurance Coverage Checkup: https://bit.ly/3sXwUn5 Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE  

Home Buying, Debt, Retirement, Investing As heard on this episode:  Bethel School of Technology: https://bit.ly/2Zvx3Ey Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started:  Debt Calculator: https://bit.ly/2Q64HME Insurance Coverage Checkup: https://bit.ly/3sXwUn5 Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE  

Debt, Investing, Relationships, Home Buying, Home Selling As heard on this episode:  Zander Insurance: https://bit.ly/2Xbn7hD  Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started:  Debt Calculator: https://bit.ly/2Q64HME Insurance Coverage Checkup: https://bit.ly/3sXwUn5 Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE  

Home Selling, Relationships, Retirement, Investing, Debt As heard on this episode:  Christian Healthcare Ministries: https://bit.ly/2XBZfE3  Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started:  Debt Calculator: https://bit.ly/2Q64HME Insurance Coverage Checkup: https://bit.ly/3sXwUn5 Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE