Podcasts about debt free guys

After four years and 210 episodes, Sammie and Michelle have decided to close out the Build A Wealthy Spirit podcast. In this episode, they reflect on the past four years, sharing their favorite memories and the deep gratitude they feel for all of you and everyone who has supported the podcast along the way. It's the end of an era in a beautiful way. Thank you to all of you who have listened to the podcast and joined us for different parts of this journey! Show Notes:Thank you to our podcast mentors! Joe Saul Sehy & Jordan “Doc G” GrumetInterviews mentioned: Areeb, Andrew Johnson, Oz Chen, Nick Gray, Paul Millerd (and Michelle on Paul's podcast!), Jess, Harris, Rychelle, Debt Free Guys, Doc G#18: FOMO, YOLO and Other Bad Reasons To InvestTop Five Episodes:2: How to Make New Friends as an Adult111. The Great Debate: Sabbatical vs FIRE (Financial Independence Retire Early)112. Deprogramming from a Corporate Mindset105. The Pathless Path with Paul Millerd122. The Art of Planning A SabbaticalBonus - 1: What is Status Post Adulting? Rethink the Status QuoFavorite Personality Tests:The Four TendenciesSparketype AssessmentPersonal ValuesThe Five Love LanguagesMichelle's Writing CoachingFind more show notes and interact with the Build A Wealthy Spirit community at buildawealthyspirit.com!

Brian Thompson chats with Queer Money podcast hosts and Debt Free Guys founders David and John Auten-Schneider. David and John have more than a decade of experience helping the queer community thrive financially through their podcast, website, and emails. On the episode, they discuss the importance of being intentional with how you choose to grow and engage with your audience. They also open up about some setbacks they've experienced as entrepreneurs and tips they've learned in their decade-long entrepreneurial journey. Episode Highlights Mission-driven businesses have a purpose beyond profit. David and John both define a mission-driven business as one that is focused on a greater purpose than just making a profit. Whether it's using the income from the business to contribute to a cause or running the business itself to create an impact, mission-driven entrepreneurs know they are putting in the work for a reason higher than just financial success. “What is the motivation behind getting up and putting in the 16-hour days or 60-hour weeks?” David asked. “Everyone should have the right to be able to achieve financial success and be able to have fulfillment with that, but when you have another mission that is contributing to the reason that you get up and do what you do, that is what makes your business a mission-driven business.” For David and John, the mission of Queer Money is to try and improve the financial security of the LGBTQ+ community. “The stronger we are as individuals, including our financial strength, the stronger we are as a community, and the more time, money, and resources we have to be able to protect and fight for our rights,” John said. Build your audience before your product. Before David and John started their Debt Free Guys brand, they wanted to write a book but were told by agents that they first needed to build an audience. They launched the Debt Free Guys blog as a way to share smart debt management advice while also growing an audience. In doing so, they realized the need for LGBTQ+ voices in the personal finance community, which in turn led to the Queer Money podcast. “‘Build it, and they will come' only works in the movies,” David said. “You will not survive if you create a product and you don't have a built-in audience who has a desire and need for it.” Don't forget to create an email list. In the fast-paced world of modern entrepreneurship, it's easy to get distracted by new opportunities or social media trends as a way to grow a business. Unfortunately, success on most platforms is determined by the current algorithm and chasing success on every platform is a losing game. “There are so many shiny disco balls to go at,” David said. “Find out what you can do to stay in the center of your world, or your business is going to look like a scribbly mess because you keep chasing after everybody else's center of the world instead of your own.” David and John recommend focusing on one or two platforms that connect with your mission and your audience. They also tout building a good, old-fashioned email list as a consistent and reliable way to reach your audience. “What has consistently been a great money driver for most folks over the greatest duration has been growing your email list,” John added. “I would suggest that anybody who's going to go down the virtual business path focus as much energy and attention on growing your email list. That's your list. You can take that list anywhere.” Resources + Links Queer Money Podcast Episode 11: 4 Keys to Winning the Midlife Career Change Queer Money Podcast Episode 31: 3 Surprises, 3 Ah-has, and an Awesome Money Quote Queer Money Podcast: Website, Instagram, Apple Podcasts, Spotify, YouTube Debt Free Guys: Website, Instagram, Facebook, LinkedIn, X, Pinterest Brian Thompson Financial: Website, Newsletter, Podcast Follow Brian Thompson Online: Instagram, Facebook, LinkedIn, X, Forbes About Brian and the Mission Driven Business Podcast  Brian Thompson, JD/CFP, is a tax attorney and certified financial planner who specializes in providing comprehensive financial planning to LGBTQ+ entrepreneurs who run mission-driven businesses. The Mission Driven Business podcast was born out of his passion for helping social entrepreneurs create businesses with purpose and profit. On the podcast, Brian talks with diverse entrepreneurs and the people who support them. Listeners hear stories of experiences, strength, and hope and get practical advice to help them build businesses that might just change the world, too.

Ready to Deep Dive into our guest's personalities? It's time for “5 Questions With…” We put our previous guests back on the hot seat to answer 5 more burning, quirky and random questions we just had to know. Back today is the amazing Amiss Tori, drag queen extraordinaire all the way over in the UK. She sings LIVE, has that good ol', country twang in her voice and steel in the music. Her newest album actually is called “Sequins and Steel.” Next up is our favorite LGBTQ Money Experts, the “Debt Free Guys,” John and David. They have amazing financial tips that helped get them out of 50k in credit card guest and the smartly done, “Queer Money Podcast.” And the questions are ready to go………. Thank you for listening to Left of Str8 Podcasts, hosted by Scott Fullerton. Left of Str8 Podcasts were created for the LGBTQ Community and our Straight Allies and our current podcasts are: “Left of Str8 Show Interviews,” where we interview celebrities and personalities from the worlds of Entertainment, Foodies, Music, Books, and Advocacy; “5 Questions With…” where we ask the guests from last week's interviews 5 more silly and fun questions; “Standing on my Soapbox,” where we talk about more serious issues such as politics, religion, minority rights, environment, etc.; and “Bears of a Certain Age,” a lifestyle podcast mostly for gay men bears and chubs and their admirers, pushing 50 years old and up. We also have some Special Correspondents segments. Currently there is “Rainbow Gastronomy,” a special foodie segment twice a month with acclaimed chef, Chef Lynn Wheeler; and “Bent Cinema,” a special segment with cinephile Nathan Box, who talks all things movies. Subscribe on your favorite distributor so you never miss an episode. You can also click the bell icon to be notified when new episodes are available. The video podcasts are on YouTube and Spotify, and the audio podcast is available at all major distributors including: iTunes, iHeart Radio, GoodPods, Amazon Music, Audible, Google Podcasts and more. If you like us, please give our episodes a 5 star rating so more people will find them in the Algorithm. Please share with your friends and follow us on social media @leftofstr8 on Instagram and Threads and Tik Tok, @leftofstr8radio on Twitter (X), and Left of Str8 Show on Facebook. Go to our website at www.leftofstr8.com to listen to all shows, enter contests, write questions to the show for Scott or Guests, and if you want to be a guest or host on the network. You can support the show on our Patreon Page for as little as $3 a month, $5 a month, or $7 a month, to help cover show expenses and other costs. you can find us over at www.patreon.com/leftofstr8

Summary The conversation begins with a discussion on podcasting tools, specifically Zoom and Squadcast. The hosts share their preference for Riverside and its features. The conversation then transitions to the introduction of the Debt Free Guys, John and David, who are known for their financial literacy work in the LGBTQ community. They discuss their background and coming out stories, highlighting the challenges they faced in religious households. The hosts also share their experiences in finding their LGBTQ tribe. The conversation then shifts to the previous lives of John and David, who were both in financial services but struggled with their own finances. The turning point came when they realized their financial situation and made changes to their lifestyle to prioritize financial security over impressing others. David and John, also known as the Debt Free Guys, share their journey of paying off debt and starting their own business to help others in the LGBTQ+ community. They discuss the financial challenges faced by the community and the importance of financial planning. They also share a success story of a listener who turned his life around by implementing their advice. The conversation concludes with a fun segment of five questions. Takeaways Choosing the right podcasting tools can greatly enhance the recording and editing process. Coming out stories can vary greatly, but finding a supportive LGBTQ tribe is crucial for personal growth and acceptance. Even individuals in financial services can struggle with their own finances, highlighting the importance of personal financial management. Realizing one's financial situation and making changes to prioritize financial security can lead to a more fulfilling and authentic life. Subscribe on your favorite distributor so you never miss an episode. You can also click the bell icon to be notified when new episodes are available. The video podcasts are on YouTube and Spotify, and the audio podcast is available at all major distributors including: iTunes, iHeart Radio, GoodPods, Amazon Music, Audible, Google Podcasts and more. If you like us, please give our episodes a 5 star rating so more people will find them in the Algorithm. Please share with your friends and follow us on social media @leftofstr8 on Instagram and Threads and Tik Tok, @leftofstr8radio on Twitter (X), and Left of Str8 Show on Facebook. Go to our website at www.leftofstr8.com to listen to all shows, enter contests, write questions to the show for Scott or Guests, and if you want to be a guest or host on the network. You can support the show on our Patreon Page for as little as $3 a month, $5 a month, or $7 a month, to help cover show expenses and other costs. you can find us over at www.patreon.com/leftofstr8

What started as a conversation about buying a vacation home led to the realization that they couldn't even afford a vacation! This week, Lauren interviews the Debt Free Guys, David and John, about their journey of getting out of debt, which leads to a whole conversation about their journey to becoming the Debt Free Guys, which wonderfully includes house hacking. The first step, once they realized they were in a financial mess, was to go through their inflows and outflows. That led to further questioning about their money stories: why did they overspend? We all have money stories that we must work through so we can understand ourselves. David and John explained to Lauren that they were able to dig out of debt using a budget, which in their opinion is key for getting out of debt. They were candid enough to share that their budget was a little too much like a crash diet, leading to a debt bounce back after they'd paid the original debt off. That led to a true lifestyle change. That brough Lauren to one of her favorite topics: house hacking. The Debt Free Guys are kind enough to share their experience house hacking a duplex in Toledo, OH. Are they going to house hack again soon now that they've been there a year? They aren't sure, but they do want to retire to a small town in Spain. They agree on that. If you liked this episode, you'll also like episode 138 with Justin from the Price of Avocado Toast, where we talked a lot about blowing through a settlement, getting into debt, and crawling back out better and stronger on the other side. About the Debt Free Guys: David & John Auten-Schneider, the founders of Debt Free Guys® and the hosts of the Queer Money® podcast. Connect with the Debt Free Guys: https://debtfreeguys.com/ https://twitter.com/DebtFreeGuys Connect with Lauren: ⁠ https://twitter.com/AdultingIsEasy⁠ ⁠https://www.instagram.com/adultingiseasyreal/⁠⁠ https://www.housemoneymedia.com/

Last year, we published the first of its kind, in-depth and breath, money study about the LGBTQ+ community in partnership with The Motley Fool, and some of the findings were shocking. We decided to revisit the same questions that we asked last year again in partnership with The Motley Fool to see how things changed for the community in just one year.On this Queer Money episode, we're sharing the results of the 2023 Motley Fool/Debt Free Guys LGBTQ+ Money Study with returning guest Jack Caporal of The Motley Fool. Jack is the Research lead for The Motley Fool and The Motley Fool Ascent.For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe Follow us:Queer Money Instagram Queer Money YouTubeQueer Money TwitterQueer Money on TiktokDownload your FREE Queer Money Kickstarter a 9-step Guide to Kickstart Your Journey to Financial IndependenceMentioned in this episode:Queer Money KickstarterWhether you're starting your money journey or your exit plan to retirement, get the free Queer Money Kickstarter here to succeed with both.QM Kickstarter

On this episode of Financially Naked: Stories from The Financial Gym, our host is Rachel Adaline, HR Manager at The Financial Gym, and she is joined by David Auten and John Schneider, hosts of The Queer Money Podcast. They are personal finance authors, bloggers, and speakers for DebtFreeGuys.com with over thirty-five years of combined experience in finance. The Financial Gym has a Diversity, Equity, Inclusion, & Belonging (DEIB) Program. To share that internal program with the community, this show's last episode of each month is dedicated to a financial topic with a DEIB twist.  Today, we're diving into a topic close to our hearts: Queer finance and serving the LGBTQIA community. We understand the unique financial challenges and opportunities faced by queer individuals. In this episode, we'll discuss the origins of The Queer Money Podcast, affordable places to live for the LGBTQIA community, and the importance of inclusive financial resources.  For more details check out our show notes here! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule a free warm-up call today! If you have any ideas or questions for the show, send an email to trainerpodcast@fingyms.com. Resources  7 Ways LGBT Personal Finances is Different  Pride Month Resources Find a Pride The Economic Case for LGBT Equality  Connect with David and John Podcast: Queer Money Podcast Instagram: @queermoneypodcast YouTube: Debt Free Guys  Meet The Team Meet Rachel Adaline, Human Resource Manager 

How might your approach to budgeting change if you started by prioritizing your goals, instead of thinking about the things you can't have? In this episode, John and David Auten-Schneider (who you might know as The Debt Free Guys) explain how you can build a budget that works for your lifestyle, whether you're doing it on your own or budgeting with a partner. John and David also talk about the biggest financial issues facing LGBTQ Americans, the importance of a prenup, 3 things to focus on when planning your financial future, and much more!Episode Recap: Today we're talking with The Debt Free Guys, John and David Auten-Schneider (1:10) Finding the best city for LGBTQ people in each state (2:19) John and David's journey to becoming The Debt Free Guys (11:02) Debt affects so many more people than we often realize (13:47) What did your tradition from your financial services jobs look like? (17:25) Once your financial life is in order, focus on these 3 things (24:08) What are the biggest financial issues facing LGBTQ people today? (29:26) Marriage is a partnership, and prenups help you have important conversations (35:04) Tips for creating a budget with a partner (39:40) When budgeting, try leading with your goals (43:06) What concerns you most right now? (50:10) How to learn more from David and John (56:47) Resources: Find every episode of the Fiscal Feminist podcast “The Fiscal Feminist” book Best LGBTQ City in Each State podcast “4: The Principles of a Debt-Free Life” book Debt Free Guys Website Queer Money Podcast  Quotes:“With the now 430-some plus anti-LGBTQ+ bills on the floors of state legislatures across the country, according to the ACLU, and Supreme Court Justices saying they specifically want to target marriage equality, a lot of same-sex couples specifically in the community are kind of feeling like we're going back to 2014 or even earlier again, where we had to do this sort of patchwork of legal maneuvering to protect our assets and to protect the person we live with and love.” - John“Money is not a ruler, it's a tool. And it's not a ruler to be used to judge yourself against anyone else. There are amazing, beautiful, wonderful people in this world who make 40 or 50 thousand dollars a year. That doesn't make them any less than the person that's making 4,5,6 hundred thousand dollars a year. Does the outward appearance of their life look different? Absolutely. But there are plenty of ways to enjoy and have an abundant and happy life on a lower amount of money." - David

Today's podcast guests are John & David from Debt Free Guys.John and David built a lifestyle business together after coming back from over $51,000 in credit card debt. We openly talk about how they were living beyond their means, spending thousands a month to upkeep a lifestyle that was all about instant gratification.After realising the position they had got themselves in after a stunning holiday in the mountains, they began tackling their debt. Today they teach others how to manage their finances and host their own podcast, the Queer Money Podcast.This chat was a lot of fun, and I'm sure you'll learn a lot from them both.Debt Free GuysWebsiteInstagramTwitterBio - With their writing and speaking for DebtFreeGuys.com and Queer Money® podcast, David & John Auten-Schneider help queer people (and allies) live fabulously, not fabulously broke. As certified LGBTBEs, they are the queer voice in both personal and business finances.  David and John's work has appeared on Forbes, Yahoo! Finance, NBC's Squawk Box and The News with Sheppard Smith, ABC News, Rachel Ray Show and Good Morning America, to name a few. They've partnered with some of the best in financial services, including Capital One, Experian, MassMutual, American Express, and Prudential. Their goal is to connect LGBTQ+ people with the information and tool they need to reach financial security. Show Notes - https://upthegains.co.uk/blog/debt-free-guysUp the Gains Links: Website Instagram Twitter

On this week's Queer Money, you're invited into a Debt Free Guys family discussion on whether or not we need a financial advisor.  We're talking active versus passive investing and which might be better for us in our current situation.  Are you using a financial advisor?  Get the FREE 7-Step Credit Card Debt Slasher guide Get the Credit Card Debt Slasher Toolbox For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe  Follow us: Queer Money Instagram Queer Money YouTube Queer Money Twitter Queer Money on Tiktok

Debt. Most Americans, and many, many, many gay men have it. Why? Because we want to live a fabulous life and then we end up fabulously in debt. No fun at all. I know. Been there done that a couple of times. So how do you manage all this and do it with fabulous gay style? Call on the Debt Free Guys - David and John - hosts of the Queer Money Podcast. So let's talk money guys and see what we can do to get you on track and having a powerful relationship with money. About David & John With their writing and speaking for DebtFreeGuys.com and Queer Money® podcast, David & John Auten-Schneider help queer people (and allies) live fabulously not fabulously broke. As certified LGBTBEs, they are the queer voice in both personal and business finances. David and John's work has appeared on Forbes, Yahoo!Finance, NBC's Squawk Box and The News with Sheppard Smith, ABC News, Rachel Ray Show and Good Morning America to name a few. They've partnered with some of the best in financial services, including Capital One, Experian, MassMutual, American Express, Prudential. They've partnered with some of the best LGBTQ+ organizations including, The Trevor Project, Callen-Lorde, The William Way Foundation, One Colorado and LGBTQ+ centers nationwide. Their goal is to connect LGBTQ+ people with the information and tool they need to reach financial security. Connect With David & John Website Podcast Facebook Twitter Instagram LinkedIn Hey Guys, Check This Out! Are you a guy who keeps struggling to do that thing? You know the thing you keep telling yourself and others you're going to do, but never do? Then it's time to get real and figure out why. Join the 40 Plus: Gay Men Gay Talk, monthly chats. They happen the third Monday of each month at 5:00 pm Pacific - Learn More! Break free of fears. Make bold moves. Live life without apologies P.S. get your free My Bold Life Manifesto, right here - rickclemons.com/manifesto/ You can also listen to the podcast on…

Well, here we are: a brand new year! Chances are, you're one of the 81% of Americans with a financial new year's resolution. The most common financial resolution this year? Like many other years, it's paying off debt. But how do you make it happen? Obviously, with a plan. So, let's make one! As usual, host Stacy Johnson is joined by financial journalist Miranda Marquit. Listening in and sometimes contributing is producer Aaron Freeman. This week, John and David, the Debt Free Guys, join us to discuss the five things you need to know about creating a successful debt pay-down plan. Remember, even though we sometimes talk about money and specific investments on this show, don't take them as recommendations. Before investing in anything or making any other money moves, do your own research and make your own decisions. Show webpage with links. You can watch this episode below, or if you'd prefer to listen, you can do that with the player at the top of this article or download the episode wherever you get your podcasts: Listen on Apple Podcasts Listen on Google Podcasts Listen on Spotify Don't forget to check out our podcast page for more episodes designed to help you make the most of your money and our YouTube page for more videos. Get out of debt for good In addition to our thoughts on creating a debt paydown plan, we have many resources on the Money Talks News website for ideas on getting out of debt. You can even check out Stacy's book, Life or Debt, to help you destroy your debt and get on the path to financial freedom. How to Destroy Your Debt and 3 Things to Do Next Tips and Tricks to Help You Destroy Debt 7 Steps to Quickly Eliminate Your Holiday Debt 7 Great Tools to Help You Get Out of Debt How to Wipe Out Debt for Good The Best Way to Kill Off Credit Card Debt How to Pay Off $10,000 in Debt Without Breaking a Sweat 10 Steps to Get Out of Debt Now and Stay Out of Debt Forever 10 Ways to Lose Weight and Pay Down Debt — at the Same Time 13 Ways to Get Out of Debt The Fastest Proven Ways to Destroy Debt Where to find the money to pay off debt Once you decide to pay off debt, there's a good chance you need to find the money to make your debt pay down plan work. This often includes a combination of strategies to save money and increase your income. Check out these resources that can help you find money to funnel into your debt freedom strategy. And don't forget to check out the debt lasso method our guests use to pay off debt. The Ultimate Guide on How to Save $10,000 in a Year 15 Ways to Save Money on Prescription Drugs 6 Ways to Save Money on Home Entertainment 15 Ways to Save Money on Vacation 10 Depression Era Hacks and Frugal Living Ideas to Save Money Now 11 Ways to Save Money on Food Without Using Coupons 4 Ways to Save Money on Kids' Sports and Activities 10 Ways to Save Money Shopping for Clothes 7 Smart Ways to Save Money at the Gas Pump 9 Best Shopping Apps to Save Money 5 Tips to Make Money Management Fun 9 Ways to Make Money With Online Sales 6 Classic Hobbies That Make Money as Trendy Side Gigs 6 Effortless Ways to Make Money Whenever You Shop 13 Ways to Make Money Delivering Food, Packages and More 12 Easy Ways To Make Make Money Online Without Leaving Home How to Make Money from What's Coming: Web 3.0 9 Top-Paying Side Hustles Where You Could Earn More Than Full-Time Work 25 Side Jobs That Can Be Done From Home Money Tight? 4 Legit Ways to Bring in Extra Cash Become a member: https://www.moneytalksnews.com/members/See omnystudio.com/listener for privacy information.

There's often an argument about whether there is such a thing as good debt versus bad debt. Either way, we know from the recent Motley Fool/Debt Free Guys LGBTQ+ Money Study that there is one type of debt LGBTQ folks aren't accumulating and that actually could be a bad thing for our wealth-building as a community.  On this Queer Money bonus episode, we take a look at this type of debt that fewer LGBTQ folks have and chat about why and how this may be holding us back. Plus, as always we share solutions that could help more in the community reach for financial independence.  Get more info/data from The Motley Fool/Debt Free Guys LGBTQ+ Money Study. For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe  Follow us: Queer Money Instagram Queer Money YouTube Queer Money Twitter Queer Money Facebook Group 

Wealth is created by many by taking advantage of the tools and resources that financial services, including banking, investing and life insurance provide for their customers.  So, why is wealth by and large elusive for LGBTQ folks?  Recent data may be a big indication.  On this Queer Money, we reflect on one of the most surprising pieces of data from this study.  Listen is as we discuss how many LGBTQ folks feel about financial services.  Get more info/data from The Motley Fool/Debt Free Guys LGBTQ+ Money Study. For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe  Follow us: Queer Money Instagram Queer Money YouTube Queer Money Twitter Queer Money Facebook Group 

We already shared on QM ep 339 that LGBTQ+ Americans are more likely, at 44%, to have a crypto wallet as we are a retirement account, and we talked about why we may have an affinity for crypto over traditional banking. And we talked about the risks of forgoing some traditional banking products, but we didn't share the other financial tools we are looking over - either in lieu of crypto or just all together. On Queer Money episode 345, we're sharing some options we should be considering first and how we can do that as a community. Get more info/data from The Motley Fool/Debt Free Guys LGBTQ+ Money Study. For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe  Follow us: Queer Money Instagram Queer Money YouTube Queer Money Twitter Queer Money Facebook Group 

On the previous bonus episode, 341, we talked mostly to those who don't have a company-sponsored retirement plan, this week we're talking mostly to those who do. Per The Motley Fool/Debt Free Guys LGBTQ+ Money Study, when LGBTQ+ people have access to company-sponsored retirement plans, they're most likely to contribute between 4% to 6%. Is this enough? We discuss that on this bonus episode.  Get more info/data from The Motley Fool/Debt Free Guys LGBTQ+ Money Study. For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe  Follow us: Queer Money Instagram Queer Money YouTube Queer Money Twitter Queer Money Facebook Group 

In this episode of Money Tales, our guests are John and David Auten-Schneider. John and David are known as the Debt Free Guys. Early in their relationship John and David were considering buying land in the mountains where they could build their dream vacation home. During their drive back to Denver after looking at some properties, they fantasized about the home they'd build. Then, as they were descending the mountain, one of them asked, how are we going to pay for this? John and David ended up confessing to each other how much debt each of them was carrying. As they described it, they were literally and figuratively living in a hole financially. It turns out that driving down a highway at 75 miles an hour is helpful for hard money conversations, because neither could jump out of the discussion. With their writing and speaking for DebtFreeGuys.com and Queer Money® podcast, David and John help queer people (and allies) live fabulously, not fabulously broke. As certified LGBTBEs, they are the queer voice in both personal and business finances. David and John's work has appeared on Forbes, Yahoo! Finance, NBC's Squawk Box and The News with Sheppard Smith, ABC News, Good Morning America, and The Rachael Ray Show to name a few. They've partnered with some of the best in financial services, including Capital One, Experian, MassMutual, American Express, and Prudential. They've partnered with some of the best LGBTQ+ organizations including, The Trevor Project, Callen-Lorde, The William Way Foundation, One Colorado, and LGBTQ+ centers nationwide. Their goal is to connect LGBTQ+ people with the information and tools they need to reach financial security. See all episodes >

In this episode of Money Tales, our guests are John and David Auten-Schneider. John and David are known as the Debt Free Guys. Early in their relationship John and David were considering buying land in the mountains where they could build their dream vacation home. During their drive back to Denver after looking at some properties, they fantasized about the home they'd build. Then, as they were descending the mountain, one of them asked, how are we going to pay for this? John and David ended up confessing to each other how much debt each of them was carrying. As they described it, they were literally and figuratively living in a hole financially. It turns out that driving down a highway at 75 miles an hour is helpful for hard money conversations, because neither could jump out of the discussion.With their writing and speaking for DebtFreeGuys.com and Queer Money® podcast, David and John help queer people (and allies) live fabulously, not fabulously broke. As certified LGBTBEs, they are the queer voice in both personal and business finances.  David and John's work has appeared on Forbes, Yahoo! Finance, NBC's Squawk Box and The News with Sheppard Smith, ABC News, Good Morning America, and The Rachael Ray Show to name a few. They've partnered with some of the best in financial services, including Capital One, Experian, MassMutual, American Express, and Prudential. They've partnered with some of the best LGBTQ+ organizations including, The Trevor Project, Callen-Lorde, The William Way Foundation, One Colorado, and LGBTQ+ centers nationwide. Their goal is to connect LGBTQ+ people with the information and tools they need to reach financial security.Learn more about Money Tale$ > Subscribe to the podcast Recent episodes See all episodes > Form CRS Form ADV Terms of Use Privacy Rights and Policies

Here's a not-so-easy question. Should I pay off the debt or invest my money? In most cases, it's not either/or. On this Queer Money John and David break down six things to know first before you make your decision and then provide eight questions or suggestions that will help you make the best decision that is right for you and your finances.  For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe  Follow us: Queer Money Instagram Queer Money YouTube Queer Money Twitter Queer Money Facebook Group 

What does it mean that the LGBTQ+ purchasing power is now at $1.4 trillion? How can we use this money wisely to our political and social advantage? Find out on this Queer Money bonus episode. Get more info/data from The Motley Fool/Debt Free Guys LGBTQ+ Money Study. For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe  Follow us: Queer Money Instagram Queer Money YouTube Queer Money Twitter Queer Money Facebook Group 

We talk to David Auten and John Scheider, who are two husbands now living their “fabulous” lives. They give us the lowdown on their 7-step system to help them pay off their debts in under 3 years and now they have a website called, Debt Free Guys, to help other gay men live an amazing life without sacrificing financial security. Connect with David and John on Twitter, Facebook and Instagram. You can also find them @QueerMoneyPod on Twitter, Facebook and on Instagram.

The US LGBTQ population's growing. There are many reasons why. We share how the queer community can use this to our financial and political advantage and how these numbers may have had an impact on The Motley Fool/Debt Free Guys LGBTQ+ Money Study. For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe  Follow us: Queer Money Instagram Queer Money YouTube Queer Money Twitter Queer Money Facebook Group 

When the stock market declines by 20% from its highs, it's called a bear market. And boy, are we in one. In fact, this is the worst first half of the year stocks have suffered in 52 years. Nixon was in the White House the last time stocks fell this much from January to June. How did we get here, and what can we look forward to next? That's what we're talking about this week. As usual, co-hosts Stacy Johnson and Miranda Marquit are joined by producer Aaron Freeman. Today our special guests are John Schneider and David Auten from the Debt Free Guys. Remember, even though we sometimes talk about specific investments on this show, don't take them as recommendations because they're not. Before investing in anything, do your own research, and make your own decisions. Podcast Article: https://www.moneytalksnews.com/5-things-you-need-to-know-about-this-horrible-stock-market/ What's the deal with this bear market? We're in a bear market. What does that mean? Well, it means that a stock index you're following is down 20% from its recent high. So how did we get here and why are stocks doing so poorly? Miranda has an article at Forbes about the definition of a market correction, including what makes a bear market. Could the bear market push us into a recession? Marketwatch has more on what's next for the economy. Check out our podcast episode on whether it's a good time to buy stocks. Supply chain issues could be contributing to our current woes. But what if the issues get fixed? What items might see lower costs? Read our article on the signs that a recession is on the way. Listen to our podcast episode discussing whether a recession is on the way. Should you invest during a down market? It's a scary time to invest, but does that mean you shouldn't? We share our current investment strategies and talk about how you can make the most of a bear market. Start out with an article on Money Talks News about what to do when your investments are lower. Are you getting ready to retire? We have an article on what to do when retiring during a bear market. Want to start investing while stocks are on sale? Our guests have a simple guide to start investing. Now that things are a bit uncertain, is now the time to convert your traditional IRA to a Roth? We've got an article about why a bear market might be the time for a Roth conversion. Not sure how to invest right now? Check out our YouTube interview with David Stein on how to invest when everything is falling. Now is a good time to learn how to be a better investor. Miranda shares tips on how you can improve your ability to invest. A bear market can be a good time to harvest losses for tax purposes. Check out our article on how to use tax loss harvesting and other strategies to reduce taxes. Meet this week's guests, The Debt Free Guys David & John Auten-Schneider are the Debt Free Guys and hosts of the Queer Money podcast. They enjoy helping their community live fabulously not fabulously broke. Become a member: https://www.moneytalksnews.com/members/ See omnystudio.com/listener for privacy information.

LGBTQ+ people face a number of unique personal finance challenges, including higher rates of poverty and a wage gap. As a wave of anti-LGBTQ+ legislation is enacted across the country, how can members of this community protect their money to strengthen their personal resilience?  This episode Sean and Liz talk with David Auten and John Schneider, also known as the Debt Free Guys and hosts of the Queer Money Podcast, about how LGBTQ+ people can improve their personal finances while following their morals. David and John also talk about their experience paying off credit card debt. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend.

In episode 156, David Auten and John Schneider of Debt Free Guys discuss how money affects the Queer community. Tune in now!With their writing and speaking for DebtFreeGuys.com, their microblog, DebtLasso.com, and their Queer Money® podcast, David Auten and John Schneider help queer people (and allies) live fabulously, not fabulously broke. As certified LGBTBEs, they represent the queer voice in both personal and business finances.David and John's work has appeared in Forbes, Yahoo Finance, CNBC, ABC News and Good Morning America to name a few. They've partnered with some of the best in financial services, including MassMutual, Prudential, Capital One andChase, additionally with LGBTQ+ organizations like The Trevor Project, The William Way Foundation, One Coloradoand numerous LGBTQ+ centers across the country.Their goal is to connect LGBTQ+ people with the information and services they need so they and the queer community can do more and be more.You can follow them on Instagram, Facebook, Twitter, YouTube, Pinterest & LinkedIn.Loving this episode? Leave us a review on Apple podcasts. Follow us on Instagram, Twitter, TikTok, LinkedIn, YouTube and join our Patreon community!Until next time, stay empowered, stay inspired & #staypoderosa ✨

In May 2022, we (the Debt Free Guys) partnered with The Motley Fool to collect and review data about the current state of LGBTQ Money.  On this Queer Money, we are joined by Jack, from The Motley Fool, to discuss some of the findings and where the community and financial services can go from here. For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe  Follow us: Queer Money Instagram Queer Money Tiktok Queer Money Twitter Queer Money Facebook Group 

Happy Monday! Today for Money Monday's we talk about this LGBTQ+ Money Study that shows how the community can save and invest money! We figure out what the Gay Agenda was with RuPaul's dolls and so much more!    Special guests: David and John Auten-Schneider, founders of the Debt Free Guys

John and David of Debt Free Guys and Queer Money Podcast join Sammie and Michelle to talk about credit card debt. We had an amazing conversation discussing how they got into credit card debt, how it mirrors so many other people's stories and the best ways to get out of credit card debt including their Debt Lasso Method. Where to find John and David:  The Debt Free Guys: debtfreeguys.com Queer Money Podcast: queermoneypodcast.com or listen here  Debt Lasso Method: 7-Step Credit Card Debt Slasher Follow on Instagram: @queermoneypodcast and @debtfreeguys References: Profit and Prejudice: The Luddites of the Fourth Industrial Revolution by Paul DonovanAfford Anything with Paula PantJulie McCoy from The Love Boat "Debt Avalanche vs. Debt Snowball: What's the Difference?" (Investopedia) Groupthink #19: The 5 People You Surround Yourself With"A man is but the product of his thoughts what he thinks, he becomes." - Mahata Gandhi Status Post Adulting Instagram: @statuspostadultingStatus Post Adulting Email: statuspostadulting@gmail.comFind all show notes at statuspostadulting.com

Together, Stephen, Clint, and Tom (Lauren was on vacation) are excited to bring you their Twitter Spaces recording from December 29, 2021 with the Debt Free Guys. David and John are passionate about helping others live happy, healthy, and wealthy lives. The Debt Free Guys tell their story, which starts with them realizing they couldn't live the life they wanted because of being tens of thousands of dollars in debt. They learned to have fun in NSE (not so expensive) ways, and they spread the word about how others can do the same, especially in the LGBTQ+ community. Other speakers join and share their emotional stories and the group discusses equality, trauma, and making the world a better place for future generations. Connect with the speakers: https://twitter.com/StephenWealthy_ https://twitter.com/IAmCoachClint https://twitter.com/Thefrugalgay11 https://twitter.com/AdultingIsEasy https://twitter.com/DebtFreeGuys -- Please note that this information is meant to be just that. Please consult your accountant, financial advisor, and other professionals about your specific situation. --

Today's episode features John and David from Debt Free Guys and the Queer Money Podcast. David and John were going on a vacation and thought to themselves, "Let's buy a vacation home here". Only to soon realize that they could barely afford to rent a home for a weekend getaway. They had let their financial habits get out of control and ran up $51k in credit card debt. Then everything changed. They would tackle that debt in less than three years utilizing their famed Debt Lasso Method. Today, David and John are spreading financial wisdom with a focus on the LGBTQ community which faces unique struggles and challenges. Share this episode with your friends, leave a review, and don't forget to check out more of what David and John have to offer with the links below! Links From the Episode Debt Free Guys Website Queer Money Podcast YouTube Interview Coming soon... Join the Community We'd love to hear your comments and questions about this week's episode. Here are some of the best ways to stay in touch and get involved in The FI Show community! Grab our FREE Budget Planner Join our Facebook Group Leave us a voicemail Send an email to contact [at] TheFiShow [dot] com If you like what you hear, please subscribe and leave a rating/review! >> You can do that by clicking here

Money makes the world go round! Or so they say. Regardless, it's what this episode is all about - the fragile topic of money - & just in time for all that holiday spending! I'm privileged to be joined by power couple John & David, also known as The Debt Free Guys. Together, we take a look at something that impacts all of us .. & perhaps more important than the thing, we talk about our relationship to the thing; that thing being money. David & John share with us their inspiring story as well as some budgeting & spending tips. And because it's me, we also spend some time examining the intersection of money & mindfulness, among many other things discussed. It's a dense one, in the jam-packed definition of the word. Enjoy! Onward, with wellness.Hosted by Brian Falduto (he/they), Featuring John & David Auten-Schneider (he/him x2), Music by Conor Keelan (he/him), Produced by Tyler Martin (he/him).

David Auten and John Schneider help queer people (and allies) live fabulously-not fabulously broke. As certified LGBTBEs, they represent the queer voice in both personal andbusiness finances. They talk about their money relationship struggles and how they have gone from in debt to living their best life. With their writing and speaking for DebtFreeGuys.com, their micro blog, DebtLasso.com, and theirQueer Money® podcast, David and John's work has appeared in Forbes, Yahoo Finance, CNBC, ABC News and Good MorningAmerica to name a few. They've partnered with some of the best in financial services, includingMassMutual, Prudential, Capital One and Chase, additionally with LGBTQ+ organizations like, The TrevorProject, Callen-Lorde, The William Way Foundation, One Colorado and numerous LGBTQ+ centers acrossthe country.Their goal is to connect LGBTQ+ people with the information and services they need so they and thequeer community can do more and be more.

How two husbands use email to help other gay men create a happier, healthier, and wealthier life. Here's  David & John Auten-Schneider's story about Pushing Send.Key points from this episode:On a scale of 1 to 10, 10 being the most important, email is a 9.Profitability has a direct correlation to how much attention we've paid to our email list.Other platforms, like Instagram, Facebook, or LinkedIn, give you no control - unlike email!Social media platforms are constantly changing things - so what worked even just a week ago or a month ago, doesn't work today.An email list is there to help you create customers, to create value for people who will be your customers, or to create continuous value for people who are already your customers.Be more authentic and consistent in your emails.Tweetables:"Our profitability, or our revenue, has had a direct correlation to how much attention we've paid to our email lists, the people on our email list, as well as how we're growing our email list." - David Auten-Schneider from @DebtFreeGuys on the Pushing Send podcast"Email is something that we own, right? We own the ability to when we send or how we send an email, who it goes to, who is going to see it. So we have that choice. Whereas other platforms we don't own." - David Auten-Schneider from @DebtFreeGuys on the Pushing Send podcast"It's been pretty consistent. It's one of the least volatile components of our business. And to that point, we would much rather spend more time on our email list than social media." - John Auten-Schneider from @DebtFreeGuys on the Pushing Send podcast"An email list is there to help you create customers to create value for people who will be your customers or to create continuous value for people who are already your customers." - David Auten-Schneider from @DebtFreeGuys on the Pushing Send podcastLinks mentioned in this episode:DebtFreeGuys.comQueer Money PodcastConvertKitRosemarie Groner / The Busy BudgeterMarie Forleo

Happy Pride Month! In this episode, we sit down with John & David (The Debt Free Guys) to talk about their financial journey as a couple. We also deep dive into how money and finances can impact a relationship, and share tips on how to have the money talk with your significant other.

On this episode of Financially Naked: Stories from The Financial Gym, our host is Mike Poulin, DC-based Financial Trainer, and he is joined by David and John, The Debt Free Guys, to talk about the queer community and finances. John and David have been together for 18 years. They didn't have any conversations about money until a year and a half after they were together when they had a financial “aha” moment. They were both working in financial services helping people save for retirement and save for their kids' college and they weren't doing this themselves.  Looking at buying land to build a vacation home in Colorado led them to coming clean with each other about having $51,000 in credit card debt. They both thought the other one had their financial act together and it was a deflating realization. After this, they had a discussion to figure out how they each got to this point. They itemized expenses for the past 12 months and it gave them clarity, and they realized what they were spending on was not bringing them happiness. Now that we are able to socialize and places are opening up, many people are scared that they will go back to old habits and lose the progress they made financially over the last year.  When you find what matters most to you, it will be motivation to continue on. Find a healthy balance between socializing and meeting your financial goals. Most people just want to spend time with friends and family, and it doesn't have to involve spending money. In 2019, John and David wrote an article for Forbes, called The LGBT Community Faces These 5 Financial Challenges. Since then, not much has changed, as the LGBTQ community has been more adversely affected by the pandemic than the general population. A significant positive change that has happened in the last 12 to 18 months is more LGBTQ people have been joining the financial discussion. Having a conversation is the first step in pursuing financial independence. The biggest challenge John and David see is credit card debt, student loan debt, and lack of retirement savings. No demographic is really doing great in those categories, but the LGBTQ population has been struggling more. 40% of homeless youth identify as LGBTQ and there are many others that graduate high school and live at home in unhealthy environments.  The earlier you get started with saving, the confidence level you have to ask for what you are worth at a job will affect you the rest of your life. The legacy effect of what happens when you are excluded from your family, or unsupported, makes a major impact. For kids that figure out who they are at a young age, and don't have support, it is much harder. Mike has started UTMA accounts (Uniform Transfers to Minors Act) for his nieces and nephews, and he deposits money into those accounts instead of giving them gifts. Doing something like this sets the foundation for smart money conversations with kids. 65% of LGBTQ people surveyed said they had been adversely affected financially by the pandemic versus 50% of the general public. There are a lot of LGBTQ people who are struggling financially, and because of the mental state that puts them in, it may trap them in a spending spiral. If you are in this spiral and are struggling financially, get crystal clear on what it is you most want and start to spend and live your life accordingly, by looking for tools and resources to help you. Look for a support group. There are a lot of groups online that are free. A lot of people have an aversion to spending money to get help financially. Those who have joined the credit card payoff course The Debt Free Guys offer have benefited far more than what they paid. Trainers at The Gym have Financial Trainers. John and David both came from times and places when it wasn't okay to be gay. When they were each first independent, they tried to make up for the past by spending on looking fabulous. They felt they would be ostracized if they didn't live up to the stereotype and they spent beyond their means to live that way. Your lifestyle doesn't need to look like a baller. The way we disguise our need for acceptance can look really good. Sometimes it looks like generosity. What is the motivation for doing what you truly do and are you spending in a way that is an emotional drag. Connect with The Debt Free Guys Social Media: @debtfreeguys Podcast: Queer Money Podcast Website: debtfreeguys.com   Meet The Trainer Mike Poulin

Today is the first Friday in April, and, in case you didn’t know, April is Financial Literacy Month, or, our favorite month of the year at The Gym. If you are listening to this podcast, you’ve made financial literacy an important part of your life. If you are looking for more resources, especially this month, we have a number of free events going on at The Financial Gym — we have one for every weekday. Check out the schedule at financialgym.com, and, again, everything is free.  The Gym also has its own podcast call Financially Naked, where you can hear more from our clients and our trainers, and you can find that anywhere you listen to podcasts. I hope you will check out our events and share them with your friends, so they can embrace financial literacy as well. Onto today’s show! Managing couples’ finances is a challenge, especially if you are in similar industries or have similar job types. Joining me today are my good friends David and John, otherwise known as the Debt Free Guys, and the the hosts of Queer Money Podcast, to discuss how they’ve managed their household finances as a couple, and also weathered a global pandemic that affected their joint business, and stayed financially healthy throughout it all. For more information, visit the show notes at https://martinisandyourmoney.com/show-notes/suviving-job-insecurity-with-the-debt-free-guys

According to a study by Prudential Financial, 50% of LGBTQ+ people only have one banking product, while 66% of non-LGBTQ+ folks have at least 2 banking products. This statistic indicates a disparity with how the queer community engages with financial products, and it forms the topic of this week's episode. With their writing and speaking for DebtFreeGuys.com, their microblog, DebtLasso.com, and The Queer Money® podcast, David Auten and John Schneider help queer people live fabulously, and not fabulously broke. David and John's work has appeared in Forbes, Yahoo Finance, CNBC, ABC News and Good Morning America to name a few. Their goal is to connect LGBTQ+ people with the information and services they need so they and the queer community can do more and be more. They join me this week to discuss the various challenges LGBTQ+ people face in the workplace, and in their personal finances. You can find the show notes for this episode at https://maplemoney.com/140 This episode of The MapleMoney Show is brought to you by Willful. Did you know that 57% of Canadian adults don't have a will? Willful has made it more affordable, convenient, and easy for Canadians to create a legal will and Power of Attorney documents online from the comfort of home. In less than 20 minutes and for a fraction of the price of visiting a lawyer, you can gain peace of mind knowing you've put a plan in place to protect your children, pets, and loved ones in the event of an emergency. Get started for free at https://maplemoney.com/willful and use promo code MAPLEMONEY to save 15%.

Hear about the wedding of John & David and when they realized they were in trouble with debt. Sam asks about their wedding bands and how they chose them. John & David admit what it's like to feel the pressure to act like you have more money that you do, and tell us how they help people get control of their spending. In any relationship, communication is key, so we talk about talking about money. Hear about John & David's own personal dreams that they were able to accomplish by following their own advice (living in Spain! working for themselves!). Say hello to the Debt Free Guys: https://debtfreeguys.com/mensvows @debtfreeguys @queermoneypodcast Become a patron: https://www.patreon.com/doyoutakethismanpodcast --- Support this podcast: https://anchor.fm/doyoutakethismanpodcast/support

We discuss what it feels like to not fit in with David and John from The Debt Free Guys. They talk about their journey to discuss their finances openly in the gay community. They experienced coming out of the closet twice.  

Is it possible to live fabulously without being fabulously broke? The Debt Free Guys say you can. After a year and a half of dating, John and David finally came out of the closet to each other regarding their finances. Between the two of them, they had $51,000 in credit card debt even though they had 15 years of experience in financial services helping others with managing their money. Starting with the first credit card his parents gave him for emergencies, David began a 17-year run carrying credit card debt. Instead of reserving for emergencies, he viewed it as a source of side money and never understood the value of paying it off. Despite never paying the balance off, his credit card limits kept increasing. After accumulating a significant amount of credit card, he began having trouble making even the minimum payments. Once, when his parents wired him money, it was immediately garnished from his bank account because he had failed to make payments. And yet he still didn't learn his lesson. Both Jon and David came from a time when it wasn't okay to be gay. As a result of being a part of a marginalized community, many parts of society sent the message that they couldn't be who they were. The baggage they carried, as a result, manifested itself in various ways, one of which can be financial challenges. Prudential conducted a study that showed there is a sexual orientation and gender identity pay gap. A university study has also shown that simply being gender non-conforming can limit you from getting a job or being promoted. As a result, gay men sometimes seek validation through their clothing, bodies, cars, houses, and vacations even if they have to finance it. The LGBT community hasn't traditionally fit the image of retired couples financial services companies market to. The community hasn't been encouraged through representation to think about their finances. The premise of the Queer Money Podcast is the get the finance conversation started which is what any community needs to start moving toward financial security. They challenge the community to think about what it is they truly want in life despite how they are told they should look, act, and want. It was the trap they had been living in. Although they were making decent salaries and experts in money, John and David weren't living according to their values. After having the discussion, they decided what they wanted was to be able to retire comfortably, travel without accumulating credit card debt, and give back to the LGBT community in a way that didn't penalize them. David says that even in the financial services industry there is a facade and although the experts know what they should do, they are hiding the truth about who they really are. Even for those who know the tricks to save, it can be hard to put it into practice. When you don't tell the truth about who you really are, you don't seek assistance or help to become the person you are pretending to be. While their credit card debt was at $51,000, John and David were spending $10,000 a year in interest payments. They believe that like them, most people who have similarly high credit card debts have a spending problem, not an income problem. The first step is to sit down and have the conversation with yourself, your partner, or your family about what it is you want your life to look like. The second step was eye-opening. John and David performed a spending analysis tracking when every penny spent had gone in the previous year. They had been living like rock stars, spending money on dining out, happy hours, designer clothing, and travel yet they didn't think their quality of life had been that great. They finally realized they were financial messes when walking into their dark, basement apartment right after considering buying land to build a vacation home on in the Colorado mountains. They questioned where their life was going and confessed their debts to each other. Figuring out what they wanted took three to four months, the spending analysis took a weekend, and it was two and a half years to pay off the credit card debt. Unfortunately, after paying it off, they reverted to old habits and racked up $6,000 on reedit cards again. Realizing they were on the wrong path again, they corrected course and paid that off in several more months. The spending analysis showed that with several small tweaks, they could recoup a lot of their spending. Grocery and dining out costs were cut and when going out with friends, they tried to do it without spending much money so they could maintain the social aspect of their lives. John and David knew that if they could not have fun during the process of paying off debt, it would not last. When confessing why they couldn't spend on activities like before, they found the friends they told were completely fine with it. For some friends, it created an opportunity to have their own money conversation, while other friends did drift away. One of the strategies John and David used was to look for free or inexpensive actives they could do on the days they wanted to be social with others. They were blown away by the number of free and fun activities they found in the city of Denver. Learning that you don't have to spend a ton of money to have a good time changed the way they thought about having a good time. They called it the NSE for Not So Expensive. John and David believe that when you put it out that you are saving for your financial goals, you begin to attract other people who want to have that goal in their life too and build a community of people supporting the lifestyle you want to create. Another tactic John and David used were Milestone Rewards. They would stash away a small mouth of money to have some fun with as a reward when they had met a goal, such as paying off a certain amount of debt. After completing the spending analysis, they realized it would take four to six years to pay off their debt using the snowball or avalanche methods. They knew they needed to do it quickly or they would get bored. It was the high-interest credit card debt preventing them from paying it off quickly, so they came up with the debt lasso method. With the debt lasso method, they lowered their interest rate to as low as possible and consolidated the credit card debt to as few locations as possible. The debt lasso method has several pieces to it. You have to commit to not adding more to your card balances and commit to paying a specific amount every single month toward the balances. Next, similar to the snowball method, if you can pay one off in full in a month or two, do it and get the quick win. Then use the lasso process to pull all of the balances into as few locations as possible at as low-interest rates as possible. Then everything should be automated. When monthly payments are automated, you'll never miss a payment which is when interest rates will be raised. And finally, monitor your accounts so you know when a card is paid off and move payments to the next account or make extra payments when you can. The snowball method works on emotion and has you pay off cards with the lowest balances, one after the other. In contrast, the avalanche process has you pay off the cards with the highest interest rates first. Using the debt lasso method, they did have to pay approximately 3% in balance transfer fees, but they shaved years off the repayment plan saving more in interest payments. Because John and David each had good credit, they were able to consolidate the debt from two to three high-interest cards each to 0% interest for 12-18 months cards and continued to roll the debt to 0% interest cards as needed while paying down their debt. On the Debt Free Guys website, they have created a calculator to estimate how long it will take to pay credit card debt off using different payoff methods. They encourage folks to pay the most money toward cards with the highest interest rates. John and David say that while 0% credit cards may not be plentiful right now, they've found that credit card companies will often send out 0% offers when a credit card's debt has been paid off because they know you likely have other credit card debt. Just be sure to understand the fine print to avoid any unpleasant surprises. It is incredibly helpful for partners to be in the same state of mind when it comes to paying off debt. It's also useful to find a tribe of people who are doing it or an accountability partner. The Debt Free Guys have a weekly call named Money Therapy included with their credit card payoff course. To join the community and get the debt lasso calculator, go to debtfreeguys.com/choosefi. Resources Mentioned In Today's Conversation Buy a ChooseFI ebook bundle and save an extra 15% with code "holiday15" Join the Debt Free Guys community Start investing outside of your retirement accounts with M1 Finance Find the right freelancer for your job with Fiverr and get one free year with promo code "ChooseFI" If You Want To Support ChooseFI: Earn $1,000 in cashback with ChooseFI's 3-card credit card strategy.  Share FI by sending a friend ChooseFI: Your Blueprint to Financial Independence.    

Today we are chatting with David Auten and John Schneider. David and John have over 30 years of combined experience in finance and are more commonly known as the Debt Free Guys. They specialize in and are the only gay couple talking about money and the queer community. They blog over at DebtFreeGuys.com and can... The post [FFC FAV] The Financial Nuances of the LTBTQ Community with David Auten and John Schneider (Debt Free Guys) appeared first on Financial Freedom Community.

Hey guys! I'm talking cash money in this episode with the Debt Free Guys and hosts of the Queer Money podcast, David Auten and John Schneider.  A gay male couple who transformed their relationship to money and their lives, these boys are the real deal, and they're on a mission to help LGBTQ folks like fabulously not fabulously broke!Check out this episode to hear…David and John's inspiring story to becoming debt free The root cause issues that challenge gay, bi and queer men when it comes to moneyWhy doing our money work is key to personal growthHow you can get out of debt using their Debt Lasso MethodWhy improve your personal finances is good for the entire LGBTQ communityHow talking about money can improve your sex life with you partner! Learn more about the Debt Free Guys at https://debtfreeguys.com and check out the Queer Money podcast. Thanks for listening to Gay Men's Life Lab! Stay in touch with Buck by joining his email list at www.buckdodson.com and following on Instagram, Facebook, Linkedin, and Medium. 

With their writing and speaking for DebtFreeGuys.com, their micro blog, DebtLasso.com, and their Queer Money® podcast, David Auten and John Schneider help queer people (and allies) live fabulously not fabulously broke. As certified LGBTBEs, they represent the queer voice in both personal and business finances.

David Auten and John Schneider talk about finances and getting debt free. Known as ‘The Debt Free Guys’, husbands David and John have 35 years combined experience and host the ‘Queer Money’ podcast. They’ve developed various debt help tools including a programme which has helped people pay off mounting credit card debts. David and John also chat to Sam about LGBTQ specific financial struggles. Also – One week out from the U.S. Presidential Election Sam shares his thoughts and predictions from a U.K. perspective.

#YoAunTeas welcome the Debt Free Guys from Queer Money Podcast to discuss all things money-related with the goal to set up the LGBTQIA+ community to be as knowledgeable and successful as possible! The #AYA #AskYoAunTeas question asks if there's anything wrong with being an #escort. #JeffreyToobin gets caught zoomin his meat during a Zoom call. AunTea Jerrell gives a follow up from his first doctor's appointment in a decade. #Beyonce gets ready to drop new #IvyPark drip. Is the men's #Fenty line sexy enough? We stand with the protesters in #Nigeria. Are you doing anything for Halloween? Happy #InternationalPronounsDay! That's What's Brewing Today, So, Get Your Cups Ready For Minoritea Report! Follow Us- Youtube: https://www.youtube.com/channel/UCo_xKK1VRhPrVMQxm1SzTCg Instagram: https://www.instagram.com/minoriteareport/ Facebook: https://www.facebook.com/MinoriTeaReport/ Twitter: https://twitter.com/MTeaReport Email Us- AYA@minoriTeaReport.com Time Stamps: 0:00- Puerto Vallarta 2:46- Queer Money Podcast 53:48- AYA 1:09:21- Jeffrey Toobin 1:18:45- Jerrell's Doctor Update 1:25:07- Ivy Park Drip 2 1:26:29- Fenty Underwear 1:28:32- Nigeria 1:30:53- Halloween 1:36:18- International Pronouns Day  

The Debt Free Guys from the Queer Money podcast join us to talk about how, unfortunately, gay culture and debt go hand in hand, and some tips on what to do about it. In this episode: News- 2:29 || Main Topic (Debt)- 13:13 || Guests (David and John from Queer Money)- 21:17 || Gayest & Straightest- 57:41 To support us while getting early, ad-free episodes, go to patreon.com/gayishpodcast.

About The Debt Free Guys David Auten and John Schneider are personal finance authors, bloggers andspeakers for DebtFreeGuys.com with over 35 years of combined experience in finance. Their work has appeared on CNBC, Good Morning America, Yahoo Finance, Business Insider... READ MORE The post How to go from lavish to living within your means | John and David, The Debt Free Guys appeared first on .

As part of National Coming Out Week, The Debt Free Guys aka husbands David Auten and John Schneider share their story of coming out and how they got into debt trying to keep up with others and get validation. They discuss shocking statistics around mental health in the LGBTQ community, what contributes to these mental health challenges, and how to deal with them. They also talk about the financial struggles unique to the LGBTQ community and how they can elevate their financial status with the right mindset.

David Auten & John Schneider are the Debt Free Guys and hosts of the Queer Money podcast. With their writing, speaking and coaching, they help queer people live fabulously, not fabulously broke. Their goal is to connect LGBTQ people with the information and services we need so our community can do more and be more. They'll connect your brand and employees to the queer community and help your queer employees thrive financially. They're regular contributors to Forbes and their work has appeared in Motley Fool, Yahoo Finance, Market Watch, CNBC, Huffington Post, Business Insider and Time to name a few. Episode Highlights David and John share how they started Debt Free Guys by confessing to each other about their personal debt despite their background in finance. They worked hard to pay off their debt quickly and decided to start teaching others to do the same through their personal finance blog and then coaching. We talk about how people get to acquiring large amounts of debt, using money to cover up feelings of inadequacy as a result of growing up queer. The Queer Money podcast started as a way to educate the LGBTQ communities on personal finance, and now also they tell stories of how others have overcome financial struggles. We discuss a recent episode where they shared big challenges they had in their business and how they really leaned into their spiritual practices for support and self care. They share some insights about what is preventing LGBTQ folks from achieving financial wellness. Web links Find David & John at DebtFreeGuys.com & Queer Money podcast You can also find DFG on Facebook, Twitter & Instagram You can find Queer Money on Facebook, Twitter & Instagram   Grab your FREE Guide - Needs, Boundaries & Self-Care for Queer Folks.  Download it here.  Join the Queer Spirit Community Facebook group to continue the conversation and stay up to date on new episodes.   And follow us on Instagram!   Join our mailing list  to get news and podcast updates sent directly to you.