Podcasts about debt payoff

My financial situation this year is giving... erratic. I share every detail in today's ep and why I'm not calling 911 yet.After YEARS of steady monthly recurring revenue that paid all my basic expenses and then some, I changed my business model in late 2025, which resulted in seeing income numbers I haven't seen since year 1 of starting my business. I'm talking "how am I going to afford all this month's expenses?" kind of numbers.At first, I was chill, leaning on my savings and systems. Then, I freaked out. HOW TF DID THIS HAPPEN?! I thought I mastered budgeting and forecasting??I share the full story, what I did to turn the ship around, and share practical advice on what to do when you're in a similar sitch.Episodes mentioned: How I Paid off $8K of Debt in One MonthHow I Planned My Sabbatical (So You Can Too) - Saving, Taking 2 Months Off and Why It's Freaking Me Out☎️ Have more questions? Leave a voicemail on the hotline and I'll answer in the next ep!Connect with Chelsea:

Did you miss this episode last year? It was one of the most downloaded episodes pf 2025 and I want YOU to hear it!Episode Description:The journey from money chaos to money confidence isn't a straight line - it happens in stages. And understanding exactly where you are can help you focus on what you actually need next.Fresh off our 3-Day Money Reset Challenge, I'm sharing the 5 stages every woman moves through on her path to financial confidence:You'll discover:Stage 1: Money Avoidance (and why looking is always better than not looking)Stage 2: Money Awareness (when you have information but don't know what to do with it)Stage 3: Money Management (systems that work most of the time but you still second-guess decisions)Stage 4: Money Confidence (frameworks that work automatically without guilt or stress)Stage 5: Money Mastery (using money strategically to build wealth and create impact)Plus, why these stages aren't linear, why you can't skip the foundation-building that happens early on, and how to identify exactly where you are right now.Most women get stuck between Stages 2 and 3. They manage their money okay but never feel truly secure about their financial choices.What if 2025 was the year you moved to Stage 4?Ready to move beyond money management to true money confidence? Get 9 Ways to Break Up With Your Credit Cardswww.katyalmstrom.com/9-waysBook a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechatThe best way to connect with Katy online is in the Debt Payoff for Women Community!www.facebook.com/groups/debtpayoffforwomenGet 9 Ways to Break Up With Your Credit Cardswww.katyalmstrom.com/9-waysBook a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechatThe best way to connect with Katy online is in the Debt Payoff for Women Community! www.facebook.com/groups/debtpayoffforwomen

Don and Tom tackle a Wall Street Journal financial decision-making quiz that explores how to prioritize competing goals such as retirement savings, high-interest debt, mortgages, and student loans. The discussion highlights the importance of employer matching contributions, the damaging impact of credit card debt, and the reality that many financial decisions depend on individual circumstances and risk tolerance. They then answer listener questions about retirement portfolio allocation, Fisher Investments' sales tactics and fees, stock ownership concentration among wealthy Americans, and whether a federal retiree should consolidate TSP assets into a Vanguard IRA. The episode emphasizes building a financial plan before making allocation changes, avoiding market predictions, and simplifying finances where possible.0:00 Wall Street Journal financial decision-making quiz begins1:23 Prioritizing 401(k) matches versus high-interest debt4:31 When to pay down credit cards instead of investing more5:20 Borrowing from a 401(k) to eliminate 22% credit card debt6:07 Mortgage payoff versus other debt reduction strategies7:55 Mortgage prepayment versus additional retirement savings9:35 Building a hierarchy for financial priorities11:07 Listener Bob asks about retirement readiness and portfolio allocation13:02 Fisher Investments' fees, sales tactics, and active management claims16:15 Why retirement planning should come before allocation decisions19:40 Stock ownership concentration among the wealthiest Americans22:03 Why markets are not a zero-sum game23:51 Will retiring Baby Boomers hurt stock prices?25:52 Listener asks about consolidating TSP and Vanguard retirement accounts29:18 Comparing Vanguard and TSP target-date fund allocations31:57 Benefits of simplifying and consolidating retirement accounts35:06 Don discusses sales and distribution of The Line UncrossedQuestions? Comments? Click!

Ben Stef reveals how DSCR loans, HELOCs, cash reserves, and radical focus can help investors scale smarter while protecting marriage, family, and the deeper purpose behind building long-term financial freedom.See article: https://www.unitedstatesrealestateinvestor.com/to-possess-the-ultimate-freedom-to-scale-without-fear-with-ben-stef/(00:00) - Introduction to Ben Stef and Funding Freedom(05:00) - Ben's Construction Roots and Why Lending Became His Lane(10:00) - House Hacking, BRRRR, HELOCs, and Scaling Through Investor Financing(15:00) - Breaking Past the 10-Property Wall with DSCR Loans(20:00) - Dave Ramsey, Debt Payoff, and the Discipline That Built the Foundation(25:00) - Marriage, Trust, Fast Decisions, and Real Estate Deal Pressure(30:00) - Work Seasons, Family Rhythms, and the Cost of Chasing Deals(35:00) - Golden Nuggets, Sacrifice, Focus, and Doing the Work Unseen(40:00) - Funding Freedom, Where to Find Ben Stef, and Final Closing(41:06) - Episode Disclaimer and Wrap-UpContact Ben Stefhttps://www.fundingfreedom.net/https://www.facebook.com/benjamin.stef.5https://www.instagram.com/benj.stef/https://www.threads.com/@benj.stefhttps://www.linkedin.com/in/benjamin-stef-b0b741275/https://youtube.com/@fundingfreedomwithben Ben Stef's message is clear: freedom is not built by chasing every shiny strategy, avoiding hard conversations, or waiting for the perfect time. It is built by understanding the numbers, protecting your reserves, using financing wisely, staying focused, and taking ownership when things get hard. If this episode helped you see investing, lending, or life with more clarity, keep learning, keep growing, and keep building the life you actually want to live. For more powerful conversations like this, visit https://reiagent.comIs success destroying your peace? Most pros grind until they break. Download The Investor's Life Balance Sheet: A Holistic Wealth Audit to see if you are building a legacy or heading for burnout. Presented by The REI Agent Podcast & United States Real Estate Investor® https://sendfox.com/lp/m4jrl

Summer is almost here - which means camps, vacations, pool passes, weddings, and approximately seven thousand ice cream shop runs. If you're not careful, you'll hit September wondering why your credit card balance went up $2,000. In this episode, I'm walking you through how to plan for summer WITHOUT going into debt. We're brain dumping all the expenses, adding them up, figuring out what you can actually afford, and making choices NOW instead of scrambling later. Summer can be fun. You just need a plan.You'll learn:Why summer spending sneaks up on you every single yearHow to brain dump and price out EVERYTHING summer might costThe difference between what summer could cost and what you can affordHow to make choices now (not in July when you're already over budget)Why planning for "summer fun money" mattersHow to have a great summer without credit card debtGet 9 Ways to Break Up With Your Credit Cardswww.katyalmstrom.com/9-waysBook a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechatThe best way to connect with Katy online is in the Debt Payoff for Women Community! www.facebook.com/groups/debtpayoffforwomen

It's May. Spring cleaning mode is real. But you know what else needs a good spring cleaning? Your money. In this episode, I'm walking you through a financial spring cleaning checklist: canceling forgotten subscriptions, reviewing autopay bills, checking your sinking fund, and planning for summer. Plus, how to declutter your house AND make money doing it. Grab a coffee and let's clean up your money.You'll learn:How to find (and cancel) subscriptions you forgot aboutWhy you need to review your autopay bills right nowWhat to do with your sinking fund as summer approachesHow decluttering your house can put money back in your pocketWhy planning June NOW saves you from summer money stressGet 9 Ways to Break Up With Your Credit Cardswww.katyalmstrom.com/9-waysBook a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechatThe best way to connect with Katy online is in the Debt Payoff for Women Community! www.facebook.com/groups/debtpayoffforwomen

Send us Fan MailYou can be doing everything right and still feel like you are falling behind financially.If you have ever looked at your bank account and wondered why you still feel stressed even with a stable income this episode is for you.In this conversation we break down the growing problem of financial anxiety affecting Gen Z and Millennials and how social media comparison quietly reshapes expectations around money success lifestyle and self worth.We explore the difference between being broke as a financial condition and feeling broke as a psychological condition. Constant exposure to vacations promotions income screenshots luxury lifestyles and highlight reels can create pressure frustration and self doubt even when your financial situation has not actually changed.This episode also provides practical personal finance and money mindset strategies to help you regain emotional control improve financial habits and build long term stability.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3553: James Lambridis breaks down when a debt consolidation loan actually works in your favor and when it quietly makes things worse. By focusing on interest rates, monthly payments, and common pitfalls, he shows how to use consolidation as a strategic tool rather than a quick fix. Tune in to understand how to simplify your debt while avoiding costly mistakes that keep you stuck. Read along with the original article(s) here: https://www.debtmd.com/blog/should-you-do-a-debt-consolidation-loan Quotes to ponder: "A debt consolidation loan isn't a magic pill that solves your debt problem." "If you are able to save money on a monthly basis and can lower your overall interest rate through a debt consolidation loan, then you should do it." "Track everything and always be sure that your monthly income exceeds your monthly expenses." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3553: James Lambridis breaks down when a debt consolidation loan actually works in your favor and when it quietly makes things worse. By focusing on interest rates, monthly payments, and common pitfalls, he shows how to use consolidation as a strategic tool rather than a quick fix. Tune in to understand how to simplify your debt while avoiding costly mistakes that keep you stuck. Read along with the original article(s) here: https://www.debtmd.com/blog/should-you-do-a-debt-consolidation-loan Quotes to ponder: "A debt consolidation loan isn't a magic pill that solves your debt problem." "If you are able to save money on a monthly basis and can lower your overall interest rate through a debt consolidation loan, then you should do it." "Track everything and always be sure that your monthly income exceeds your monthly expenses." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3553: James Lambridis breaks down when a debt consolidation loan actually works in your favor and when it quietly makes things worse. By focusing on interest rates, monthly payments, and common pitfalls, he shows how to use consolidation as a strategic tool rather than a quick fix. Tune in to understand how to simplify your debt while avoiding costly mistakes that keep you stuck. Read along with the original article(s) here: https://www.debtmd.com/blog/should-you-do-a-debt-consolidation-loan Quotes to ponder: "A debt consolidation loan isn't a magic pill that solves your debt problem." "If you are able to save money on a monthly basis and can lower your overall interest rate through a debt consolidation loan, then you should do it." "Track everything and always be sure that your monthly income exceeds your monthly expenses." Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The Practical Wealth Show, Curtis breaks down why most debt payoff plans fail—and why throwing extra money at debt without fixing your cash flow structure keeps people stuck in the same cycle. Most people don't have a debt problem. They have a cash flow control problem. That's the real issue. Using lessons from The Richest Man in Babylon and the Babylon Debt Paydown Method, Curtis explains why traditional debt strategies fall apart, why budgeting alone doesn't work, and what actually creates lasting financial freedom. In this episode, you'll learn: Why debt is a symptom, not the root problem Why most debt payoff plans fail even when they "work" The real reason people pay off debt and fall right back into it How the Babylon 10/70/20 method restores order to your money Why cash flow control matters more than debt reduction How to build liquidity while paying off debt Why financial freedom starts with structure, not sacrifice If you've ever said: "I make good money, but I don't know where it goes" "I paid off debt before and somehow ended up right back in it" "I need a better system, not another budget" …this episode is for you. Debt payoff is not the goal. Restoring financial order is. Get the Babylon Debt Paydown Worksheet and start building real financial control: #DebtPayoff #CashFlowControl #MoneyManagement #ThePracticalWealthShow #InfiniteBanking #FinancialFreedom #DebtFreeJourney #PersonalFinance #MoneyMindset #PracticalWealth

This is Part 5 - the final episode - of our 5-part series on breaking up with credit cards and paying off debt. Yes, debt payoff is slow. But it doesn't have to be miserable. In this episode, I'm talking about how to make debt payoff sustainable - including money in your plan for things you actually love, celebrating every win (not just the finish line), and trusting that your system is WORKING even when progress feels slow. This isn't about deprivation. It's about being intentional. And when you do it this way, you actually make it to debt-free.You'll learn:Why slow doesn't mean miserable (and how to make debt payoff sustainable)How to include things you LOVE in your monthly plan and sinking fundWhy celebrating small wins matters more than waiting for the big oneHow to know your plan is working even when the balance moves slowlyThe difference between restriction and intentional spendingThis is Part 5 of 5. Go back and listen to Parts 1-4 if you haven't yet.Get 9 Ways to Break Up With Your Credit Cardswww.katyalmstrom.com/9-waysBook a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechatThe best way to connect with Katy online is in the Debt Payoff for Women Community! www.facebook.com/groups/debtpayoffforwomen

This is Part 4 of a 5-part series on breaking up with credit cards and paying off debt. You're going to have moments where you want to use your credit card again. The car breaks down. You forgot to plan for something. Your friends want to go out and you don't have the money. In this episode, I'm walking you through the most common obstacles and what to do when they hit - so you have options besides reaching for the card. This ties back to Episode 2's lesson: planning ahead and having a sinking fund removes most obstacles before you face them.You'll learn:The most common moments when you'll be tempted to use your card (and what to do instead)How to handle unexpected expenses without credit cardsWhat to do when social pressure makes you want to swipeWhy planning your month ahead prevents most obstaclesWhat to do if you use the card (just get back to not using it)This is Part 4 of 5. Start with Part 1 if you haven't listened yet.Get 9 Ways to Break Up With Your Credit Cardswww.katyalmstrom.com/9-waysBook a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechatThe best way to connect with Katy online is in the Debt Payoff for Women Community! www.facebook.com/groups/debtpayoffforwomen

This is Part 3 of a 5-part series on breaking up with credit cards and paying off debt. You're not making extra debt payments yet - you're still building your sinking fund like we talked about in Episode 2. But you NEED a plan for when you're ready. In this episode, I'm walking you through how to list all your debts, pick your strategy (snowball vs avalanche), and create your debt payoff roadmap. So when your sinking fund is set and you're ready to attack debt, you know exactly which one you're focusing on and why.You'll learn:Why you need a debt payoff plan even though you're not making extra payments yetHow to pick your strategy: snowball (smallest first) vs avalanche (highest interest first)How to number your debts in order so you have a clear roadmapHow the debt snowball actually works (minimums on everything except your target debt)When you'll actually start making extra payments (after your sinking fund is set)This is Part 3 of 5. Start with Part 1 if you haven't listened yet.Get 9 Ways to Break Up With Your Credit Cardswww.katyalmstrom.com/9-waysBook a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechatThe best way to connect with Katy online is in the Debt Payoff for Women Community! www.facebook.com/groups/debtpayoffforwomen

This is Part 2 of a 5-part series on breaking up with credit cards and paying off debt. Here's the truth: if you throw all your extra money at debt without saving for things you KNOW are coming, you'll end up using the credit cards again. Camp registration. Car insurance. Christmas. These aren't emergencies - they're predictable expenses you're not planning for. In this episode, I'm breaking down why you need to build a sinking fund BEFORE aggressively paying off debt, and how to actually plan for the things you know are coming instead of acting surprised every time.You'll learn:Why the debt payoff roller coaster keeps you stuck (it's not bad luck, it's lack of planning)The difference between emergencies and predictable expenses you're not planning forHow to build a sinking fund for things you KNOW are comingHow to look ahead 2-3 months and actually plan your spendingWhy this gets you debt-free faster than throwing everything at debt and using cards againThis is Part 2 of 5. Start with Part 1 if you haven't listened yet.Get 9 Ways to Break Up With Your Credit Cardswww.katyalmstrom.com/9-waysBook a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechatThe best way to connect with Katy online is in the Debt Payoff for Women Community! www.facebook.com/groups/debtpayoffforwomen

Curious? Take The Free Money Stress Quiz!Ready? Buy Our Simplified Budget System Now!Check Out Amy's Podcast!Budget besties, this episode is your reminder that a budget does not have to feel restrictive, confusing, or like a punishment. We're talking all about how to make budgeting simple, realistic, and supportive of the life you actually want to live.In this conversation, we share why so many people struggle with budgeting in the first place. The truth is, most of us were never actually taught how to do it. We were expected to just know. And when traditional budgeting feels complicated, full of weird terms, or based on cutting out every fun thing in life, it's no wonder so many people want nothing to do with it.That's why we believe in being bougie on a budget. You can pay off debt and still enjoy your life. You can save money and still go on vacation. You can be intentional with your money without feeling stuck in scarcity.We break down a simpler budgeting system that helps you organize your money in a way that makes sense, lowers stress, and gives you more clarity. We also talk about why tracking every little expense after the fact is not the same thing as budgeting, and how separating your money into different accounts and savings buckets can completely change the game.We especially dig into what this looks like for moms and families juggling all the things, from groceries and daily spending to sports, travel, and those surprise activity costs that add up way faster than expected.In this episode, we talk about:Why budgeting feels so hard for so many peopleHow most people actually have a disorganization problem, not an overspending problemWhat “bougie on a budget” really meansA simple five-column budget system: income, debt, bills, spending, and savingsWhy your budget should fit on one pageThe difference between budgeting and trackingHow separate checking accounts and savings buckets create clarityWhy automating your money can reduce stress and make budgeting easierHow to plan ahead for kids' sports, travel, and other seasonal expensesWhy it's okay to say “not right now” instead of going into debtLet's Take Our Relationship To The Next Level:1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coachingThis podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.Click here to view our privacy policy.

This is Part 1 of a 4-part series on breaking up with credit cards and starting your debt payoff journey. The first 30 days after you decide to stop using credit cards are the hardest - your brain is breaking a habit and life doesn't stop just because you made a decision. In this episode, I'm giving you the actual tactics to make it through that first month without swiping your card. Not theory. Not 'just stop' advice. Real strategies that work when life gets expensive and temptation hits.You'll learn:Why the first 30 days are the hardest (and what's actually happening in your brain)How to create physical and digital distance between you and your cardsThe small buffer you need in checking to avoid panic-swipingHow to plan for your specific temptation moments before they happenThis is Part 1 of 4. Listen to the whole series starting here.Get 9 Ways to Break Up With Your Credit Cardswww.katyalmstrom.com/9-waysBook a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechatThe best way to connect with Katy online is in the Debt Payoff for Women Community! www.facebook.com/groups/debtpayoffforwomen

Register for my FREE debt class for entrepreneurs: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ginaknox.co/free-training⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Join Small Business Money School: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ginaknox.co/school⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Join 7 Figure Wealth Mastermind: ⁠⁠⁠⁠⁠https://ginaknox.co/mastermind⁠⁠⁠⁠⁠Watch on YouTube: https://youtu.be/dk7G2-MGFhQEpisode SynopsisGina Knox explores the five stages of business debt payoff, providing a detailed framework for entrepreneurs to understand and navigate their debt journey. From rock bottom to strategic growth, learn how to control your finances, stay motivated, and accelerate your path to debt freedom.Keywords:  business debt, debt payoff, financial strategy, small business finance, entrepreneurship, business growth, debt management, financial planning

If you set multiple money goals in January, you're probably either off track or overwhelmed by now. Here's the truth: you don't need ten money goals for 2026. You need ONE. In this episode, I'm breaking down the one money goal that actually matters - and it's not what you think. This goal is simpler, more sustainable, and more powerful than any specific number you could aim for.You'll learn:Why having too many money goals keeps you stuckThe one goal that actually creates lasting change (and why it works better than specific number goals)How to build momentum that compounds throughout the yearGet 9 Ways to Break Up With Your Credit Cardswww.katyalmstrom.com/9-waysBook a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechatThe best way to connect with Katy online is in the Debt Payoff for Women Community! www.facebook.com/groups/debtpayoffforwomen

Register for my FREE debt class for entrepreneurs: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ginaknox.co/free-training⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Join Small Business Money School: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ginaknox.co/school⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Join 7 Figure Wealth Mastermind: ⁠⁠⁠⁠⁠https://ginaknox.co/mastermind⁠⁠⁠⁠⁠Watch on YouTube: ⁠⁠⁠⁠https://youtu.be/ZrfObDZloC4Episode SynopsisIn this episode, Gina Knox introduces a four-part series on the five stages of debt payoff, specifically tailored for small business owners. She emphasizes the unique position of business owners in managing debt and outlines the first two stages: going into debt and hitting rock bottom. Gina explains the emotional and psychological aspects of these stages, encouraging listeners to understand their financial situations and take control of their debt payoff journey.Keywords:  debt payoff, small business, financial coaching, business owners, money management, financial security, debt stages, profit, income control, financial freedom

We're almost through Q1 of 2026. What if this is the year everything changes with your money? Not in a dramatic overnight transformation way, but in a real, sustainable, "I finally figured this out" way. In this episode, I'm talking about what breakthrough years actually look like, the three things that make them different from every other year, and why this could be YOUR year - if you decide it is.You'll learn:What "breakthrough years" actually look like (spoiler: not perfection)The three things that make THIS year different from every other yearHow to envision your own breakthrough year and take the first step toward itGet 9 Ways to Break Up With Your Credit Cards www.katyalmstrom.com/9-ways Book a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechat The best way to connect with Katy online is in the Debt Payoff for Women Community! www.facebook.com/groups/debtpayoffforwomen

The Money Donuts® crew breaks down the biggest mistake people make when trying to become debt-free and why it can leave you feeling discouraged. With a few small changes, you can stop feeling stuck and start making real progress toward that debt-free finish line!

You have multiple debts and you have NO idea where to start. Every time you think about it, you feel overwhelmed and end up doing nothing. Sound familiar? In this episode, I'm cutting through all the noise and giving you the only three things you need to start paying off debt this week. No perfect plan required. No endless research. Just three simple steps that break the paralysis and create momentum.You'll learn:Why having too many debt payoff options actually keeps you stuckThe only three things you need to do THIS WEEK to start paying off debtWhy the "wrong" strategy you actually do beats the perfect strategy you never startGet 9 Ways to Break Up With Your Credit Cards www.katyalmstrom.com/9-ways Book a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechat The best way to connect with Katy online is in the Debt Payoff for Women Community! www.facebook.com/groups/debtpayoffforwomen

Curious? Watch Our Money Makeover Bootcamp!Ready? Buy Our Simplified Budget System Now!Hey budget besties — today we're hanging out with Jamie (Twin Cities, MN!) to talk about what it actually looked like to go from “shooting from the hip and hoping for the best” to having a real plan, real peace, and real progress.Jamie and her husband Kevin have been together since they were teenagers (married 23+ years), and like a lot of us, they weren't raised with money skills modeled clearly. They'd do “a program” for a while, fall out of rhythm, and then drift back into chaos. Add in big-life curveballs (home repairs, medical stuff, kids getting older, college around the corner), and it hit a breaking point: the stress and uncertainty started feeling too expensive to ignore.So they brought in coaching — and everything changed.Let's Take Our Relationship To The Next Level:1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coachingThis podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.Click here to view our privacy policy.

You've read the books. You've listened to the podcasts. You KNOW what you're supposed to do with your money. But you're not doing it. If you've been stuck in "learning mode" for months (or years), this episode is for you. I'm breaking down the real reasons you're not implementing - it's not about needing more information - and giving you the tactical steps to actually move from knowing to doing. Because at some point, you have to stop learning and start taking action.You'll learn:The 3 real reasons you're stuck The one thing to do this week to break the paralysisHow to have the money conversation with your partner if you're not on the same pageGet 9 Ways to Break Up With Your Credit Cards www.katyalmstrom.com/9-ways Book a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechat The best way to connect with Katy online is in the Debt Payoff for Women Community! www.facebook.com/groups/debtpayoffforwomen

Curious? Watch Our Money Makeover Bootcamp!Ready? Buy Our Simplified Budget System Now!Coach Michelle is back, besties!

New Year's resolutions fail 80% of the time - and it's not your fault. The whole structure of resolutions is broken. In this episode, I'm breaking down the three reasons resolutions don't work (they're annual in a monthly world, they're fixed when life is changing, and they're all-or-nothing). Then I'm giving you what to do instead: Monthly Money Focus. This approach is flexible, adjustable, and actually works with your real life.You'll learn:The three structural problems with New Year's resolutions (and why they're set up to fail)What Monthly Money Focus is and how it worksWhy monthly goals create more progress than annual resolutionsGet 9 Ways to Break Up With Your Credit Cards www.katyalmstrom.com/9-ways Book a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechat The best way to connect with Katy online is in the Debt Payoff for Women Community! www.facebook.com/groups/debtpayoffforwomen

New year, same you - and that's actually perfect. If you're already feeling the pressure of New Year's resolutions (or you didn't make any because you know they don't stick), this episode is for you. I'm breaking down why trying to transform into a completely different person doesn't work - and what does. Sustainable money progress comes from working WITH who you are, not against yourself. Let's talk about how to make 2026 your year without the pressure to become someone you're not.You'll learn:Why most New Year's money resolutions fail by mid-January (and what actually works instead)How small, consistent steps lead to bigger results than massive transformation goalsThe one question to ask yourself to pick your next money move for JanuaryGet 9 Ways to Break Up With Your Credit Cards www.katyalmstrom.com/9-ways Book a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechat The best way to connect with Katy online is in the Debt Payoff for Women Community! www.facebook.com/groups/debtpayoffforwomen

Are you tempted to raid your 401k to wipe out debt before retirement? Discover why that move could cost you more than you think. Ryan Herbert dives into the real financial and tax consequences of paying off mortgages and other debts with retirement savings. Learn how lifestyle choices, tax brackets, and even Medicare premiums are affected and why a true income plan matters for lasting financial security. Want to begin building your retirement and tax plan? Click Here to Schedule a 15-minute Discovery Call Follow us for more helpful insights:

The holidays are here, the cards are swiped, and a lot of you are sitting there doing the math you've been avoiding all year. In this 12 Days of Giving episode, Daniela shares the story of a single mom in Richmond, Virginia who was one denial away from a full breakdown: new apartment, two little girls, $10K in credit card debt, and zero clue how to keep from getting evicted again. This isn't a cute budgeting story. This is “I'm at the edge of the cliff and I don't know what the hell to do next.” Daniela walks us through how she sat down with this mom and started at the absolute basics: what a budget actually is, what savings actually means, and why pulling your credit report is non-negotiable even when you're terrified of what you'll see. When they pulled it, the truth hit: multiple cards, sky-high APRs, and $10K of debt that her paycheck could not support.But here's where it flips. Instead of shame and “you're bad with money,” they built a plan: lay out every card, every APR, every balance. Tackle the ones that give you the biggest win fastest. Call the creditors and tell the damn truth about what's going on. Negotiate. Get the APR down. Build short-term and long-term wins so she's not just surviving the month, she's rebuilding her life. And they did one more powerful thing most people skip: they brought her two little girls into the conversation and turned money into a game, not a threat. We also dig into the emotional side: what it feels like to be at the edge versus already over it, why people wait until the last possible second to ask for help, and how involving your kids can actually speed up your own mindset shift. Daniela talks about using vision boards, values, and real talk to anchor someone before you ever touch the spreadsheets. Because if your head is still in “I'll never get out of this,” no plan will save you. Then we turn the camera on you. If you're approaching the edge, standing on it, or already hanging off financially, this episode is your wake-up call. Daniela doesn't sugar-coat it: it's never too late, but it is on you. No one is coming to fix this for you. Small wins, boring habits, and asking for help early is how you change the story. I close the episode by calling out exactly what we all know: you just spent a ton of money on the holidays, you're feeling it, and now is the moment to move—not “next year,” not “when things calm down.”This is one of our 12 Days of Giving episodes running December 12–23, where we highlight real stories, real mess, and real ways forward. Watch the full episode on YouTube: https://youtu.be/pKDDgLWgJpgAs always we ask you to comment, DM, whatever it takes to have a conversation to help you take the next step in your journey, reach out on any platform!Twitter, FaceBook, Instagram, Tiktok, LinkedinDISCLOSURE: Awards and rankings by third parties are not indicative of future performance or client investment success. Past performance does not guarantee future results. All investment strategies carry profit/loss potential and cannot eliminate investment risks. Information discussed may not reflect current positions/recommendations. While believed accurate, Black Mammoth does not guarantee information accuracy. This broadcast is not a solicitation for securities transactions or personalized investment advice. Tax/estate planning information is general - consult professionals for specific situations. Full disclosures at www.blackmammoth.com.

When we talk about debt payoff, a win is a win. Because anything that gets us to pay them off is good. It is just a matter of how we use these strategies as fast and healthy as we can. Today, we're breaking down which one fits your money personality, and show how to customize either using values-based spending so you don't burn out before you're debt-free.

What does it really take to break through the myths of entrepreneurship and build a financially independent life—especially as a woman? In this eye-opening episode of The Angel Next Door Podcast, host Marcia Dawood invites listeners to rethink traditional notions of wealth, investing, and risk-taking by exploring the power of money mindset, resilience, and strategic investing.Our guest, Bernadette Joy, is a first-generation Filipino American, acclaimed author of "Crush Your Money Goals," and an entrepreneur who's achieved financial independence by age 40. As a life and money coach, Bernadette Joy opens up about her unconventional path from paying off $300,000 in debt to mentoring the next generation of women investors and entrepreneurs. Her journey is shaped by personal experience, a mission to help others overcome financial misconceptions, and a passion for demystifying the road to millionaire status—especially for women and communities of color.This episode dives deep into actionable strategies for getting your financial house in order, understanding the realities of angel investing, and building businesses designed for both growth and early retirement. Bernadette Joy shares candid stories—both successes and failures—offering a rare, honest perspective on what it means to curate your accounts, invest with intention, and heal your “money wounds.” Whether you're an aspiring investor, established entrepreneur, or simply looking for practical financial wisdom with heart and humor, this is a must-listen conversation that will inspire you to reimagine what's possible for your financial and entrepreneurial journey. To get the latest from Bernadette Joy, you can follow her below!https://www.linkedin.com/in/bernadebtjoy/https://www.crushyourmoneygoals.com/ https://a.co/d/1KJRwvJ - Crush Your Money Goals Bookhttps://www.instagram.com/bernadebtjoy/  Sign up for Marcia's newsletter to receive tips and the latest on Angel Investing!Website: www.marciadawood.comDo Good While Doing WellLearn more about the documentary Show Her the Money: www.showherthemoneymovie.comAnd don't forget to follow us wherever you are!Apple Podcasts: https://pod.link/1586445642.appleSpotify: https://pod.link/1586445642.spotifyLinkedIn: https://www.linkedin.com/company/angel-next-door-podcast/Instagram: https://www.instagram.com/theangelnextdoorpodcast/Pinterest: https://www.pinterest.com/theangelnextdoorpodcast/TikTok: https://www.tiktok.com/@marciadawood

In this powerful and transparent episode of Journey to Launch, I sit down with Nika Booth, award-winning financial coach, content creator, and founder of Debt Free Gonna Be, to unpack how she paid off more than $200,000 in debt while refusing to sacrifice joy along the way. From student loans and credit card balances to IRS debt and government furloughs, Nika shares the raw truth behind her financial journey, the highs, the setbacks, and the emotional lessons that reshaped her mindset about money, self-worth, and freedom. She opens up about her early money mistakes, growing up in a household where finances weren't discussed, and how the 2019 federal shutdown became the wake-up call that sparked her debt-free mission. Nika also reveals what it really felt like to finally see her student loan balance hit $0, and how she's now helping others find hope, healing, and fun in their own money journeys. In This Episode, You'll Learn: How Nika Booth paid off over $200K in debt from credit cards to student loans, without sacrificing fun or joy The pivotal 2019 federal shutdown that sparked her debt-free journey and reshaped her money mindset What it really felt like to finally see her student loan balance hit $0 through Public Service Loan Forgiveness How she turned Debt Free Gonna Be from a personal goal into a thriving community helping thousands manage money with confidence Other related blog posts/links mentioned in this episode: Free Shutdown Resource List Crush Your Credit Card Debt Course Get your copy of Your Journey To Financial Freedom if you haven't already. Apply to Share Your Journeyer Story, here. Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here! Join The Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with Nika: Website: DebtFreeGonnaBe.com Instagram: @DebtFreeGonnaBe Twitter: @DebtFreeGonnaBe Facebook: @DebtFreeGonnaBe Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Join the Waitlist for My FI Course Get The Free Jumpstart Guide

On today's episode of the podcast I'm talking with Ashley Rose of Systems Over Stress about her report, taking out loans, and how she came out on top after difficult times impacted her business. Consider this episode a sequel to Ashley's episode of The Get Paid Podca$t with Claire Pelletreau, which you can listen to here. Check out that episode to hear more about Ashley's recently difficult time and what led her to where she is now. A look at Ashley's Business Started her business in 2020 after leaving her job pre-COVID to do in-person events Decided to launch a course “Be Your Own COO” in April 2020, made $2,500 Divorced in 2023 Took out a $43,000 Stripe loan, decided to still keep business rolling Sells templates and group coaching offers Year-to-Year 2021: $137,000 2022: $166,000 2023: $268,000 → selling a lot of high ticket and had a lot of high bills 2024: $257,000 (goal was $350,000) Profit & Loss 2025 YTD through beginning of June 2025 Revenue Group Program: $202,000 Templates: $25,000 VIP Days + Consulting: $6,400 Live Workshops: $4,200 Expenses Payroll: $22,000 Distribution: $41,000 Contractors: $30,000 Affiliate payouts: $3,700 Education & Training: $11,000 (includes an $8k mastermind) Legal and Professional: $1,400 Office supplies/software: $3,700 Other/Misc.: $10,000 Total: $83,000 Get in Touch with Our Guest Ashley Rose, owner of Systems over StressLearn more about Ashley at systemsoverstress.coSubscribe to the Systems Over Stress YouTube Channel @systemsoverstress Interested in sharing your numbers on the Unf*ck Your Biz podcast? Email marketing@notavglaw.com

Welcome to today's ICYMI, where we kick off the week with a quick game-changing tip from one of our guests that you might have missed. The economy is hella unstable right now, and with a recession still looming it can feel like no matter what we do, the cards are stacked against us. So we called financial expert Jessica Moorhouse back in for actionable advice for building wealth if you're in debt or low income, recession-proofing your financial plan, and managing debt vs. savings vs. investments.Whether you're  struggling with debt or making $250K, this conversation will help you stop self-sabotage and make an actionable plan toward financial security.Jessica is a millennial money expert, speaker, Accredited Financial Counsellor Canada®, bestselling author of Everything but Money, host of the More Money Podcast, and a leading voice on personal finance and emotional literacy in financial wellness.Listen to our full episode with Jessica here.Check out Jessica's book, Everything but Money. Follow Jessica on Instagram, YouTube, and her website.Tune in every Monday for an expert dose of life advice in under 10 minutes.For advertising and sponsorship inquiries, please contact Frequency Podcast Network. Sign up for our monthly adulting newsletter:teachmehowtoadult.ca/newsletter Follow us on the ‘gram:@teachmehowtoadultmedia@gillian.bernerFollow on TikTok: @teachmehowtoadultSubscribe on YouTube

This episode is all about

In this episode, Aqura breaks down the 3 most common debt payoff shortcuts that backfire every single time. If you're someone who is eager to get out of debt quickly but keeps finding yourself back in the same cycle, this episode is for you.You'll learn why waiting on a windfall, draining your savings or retirement, and relying on balance transfers or consolidation won't give you lasting results—and what to focus on instead to finally become consumer debt free for good.To learn more about 1:1 money coaching with Aqura ⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠. You will find all the details about money coaching, who it's for, what you will achieve and how to book a sales call to start working together.⁠Subscribe to Surplus Living⁠ to have financial peace that outlasts payday. Make surplus living your new normal, so you can have up to $5,000 left over every month and keep it long after payday.Follow Aqura on Instagram

When was the last time you actually looked at where your money went last month? Not just glanced at your bank balance, but really examined where every dollar went and why?Most of us are running on financial autopilot, making money decisions based on how we feel in the moment or what seems urgent. But we never step back to see the bigger picture.If you're tired of wondering where your money goes every month, this episode is your wake-up call.You'll discover:What a money reset actually is (and why it's not about shame or judgment)The Money Chaos Cycle that keeps smart women feeling broke despite good incomeWhy the fear of looking at your money is always worse than actually lookingWhat happens when you finally get real awareness of your spending patternsPlus, I'm sharing details about my FREE 3-Day Money Reset Challenge starting September 23rd in The Debt Payoff for Women Community Facebook group.Three days, pen and paper, and the kind of financial clarity that changes everything.Ready to break the Money Chaos Cycle? Let's reset together.Join the 3-Day Money Reset Challenge: Search "The Debt Payoff for Women Community" on Facebook and request to join!Join the 3-Day Money Reset Challenge here: https://www.katyalmstrom.com/challenge Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/debtpayoffforwomen

In this episode of The Liquidity Event, AJ and Shane return from the Future Proof Wealth Management Festival with stories of Weezer, Bush, and the perils of leaving conferences too early. They dig into a New York Times article about using ChatGPT to tackle credit card debt, from spreadsheets to selling watermelons, and debate whether AI is democratizing financial advice or just creating quirky side hustles. The duo also unpack the harsh realities of sudden windfalls, from Powerball winners to stock concentration, and field a listener question about holding too much employer equity in retirement. Along the way, AJ champions late-night networking, Shane shouts out his accountability coach, and both remind us: diversify, diversify, diversify. Timestamps (00:34) Intro – Ally Jane Ayers and Shane Mason kick off Episode 158. (01:18) Ally's “radio host” voice and Shane's zen brain. (02:12) Shoutout to Sherry Mason Real Estate in Cape Coral, FL. (03:22) Segues gone wrong and the Future Proof conference in Huntington Beach. (05:17) Conference quirks – Weezer, Third Eye Blind, Blues Traveler, and Bush. (07:02) Why AJ always leaves early and Shane always stays late. (09:13) Conference strategy – accountability coaches, goals, and nighttime networking. (12:04) “Your soulmate is at the afters” and why happy hours matter. (12:34) NYT article – using ChatGPT for financial advice and debt payoff. (14:37) Success stories – spreadsheets, budgeting, plasma donations, and almost selling feet pics. (16:06) Access and immediacy – why AI fills a gap financial advisors can't. (17:38) Reflections on Brooklyn FI's early late-night client meetings. (18:46) Lottery winners and hard lessons ahead of the $1.8B Powerball. (20:50) Quick Picks vs. lucky numbers – let the computer decide. (22:40) AJ's advice for sudden money windfalls – spend 1% and get a care team. (23:59) Shane's fantasy purchases: boat or flashy watch. (24:41) Building your financial “care team” for long-term stability. (25:35) Listener question – is 50% in one stock too much? (27:23) The risks of concentration and why diversification matters. (28:34) AJ's plan: sell 25% now, the rest over three years, or gift it. (30:20) Imagining being the kids of parents who “don't care” about millions. (30:41) Closing – diversify, send us your financial questions, or just post them on Reddit.

Get social with me: Instagram: @whitney_hansen_co Tiktok: @whitneyhansen10 Learn more about your ad choices. Visit podcastchoices.com/adchoices

Are you buried in debt and can't seem to gain momentum? Discover the powerful method backed by science and endorsed by financial experts: the Debt Snowball Method. In this episode, we break down why paying off your smallest debts first — even if it's not mathematically optimal — is the most effective strategy to finally eliminate debt.With insights from Dave Ramsey's proven 7 Baby Steps and groundbreaking research from Northwestern University's Kellogg School of Management, we unpack how small victories build massive momentum. You'll learn the psychology of motivation, compare Debt Snowball vs. Avalanche, and get a step-by-step blueprint to crush your debt — starting today.Subscribe to the channel for more empowering content on personal finance, investing, and self-improvement. Don't miss out on the opportunity to unlock your true financial potential and live a life of abundance. It's time to invest in yourself and create the future you deserve!**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirrorIf you are in need of a Financial Coach, don't waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/#DebtSnowball #DebtFreeJourney #DebtPayoff #PayOffDebt #DaveRamsey #SnowballMethod #CrushDebt #DebtFree #Budgeting #PersonalFinance #FinancialFreedom #MoneyMindset #FinancialLiteracy #MoneyMotivation #SmartMoneyMove

Summer doesn't have to be a budget buster, but most people fall into the same expensive traps every year. They start with good intentions, say yes to everything without a plan, and then avoid looking at their bank account until fall hits with back-to-school stress. Sound familiar? In this episode, I'm sharing our family's real approach to enjoying summer without going broke - and it's way simpler than you think.You'll learn:The year-long planning strategy that makes summer expenses feel manageableHow to create the "summer activities list" that keeps costs low and fun highWhy most summer magic is actually free (and how to lean into that)The scheduling trick that spreads out bigger expenses without the guiltHow to avoid the dangerous summer money avoidance spiralWhat to do right now if you're already feeling behindStop thinking you need to spend your way to a good summer. I'll show you how slowing down and being intentional creates better memories than any expensive activity ever could.Join the Moneywise Mastermind Waitlist here: https://www.katyalmstrom.com/mm-waitlist Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

Feeling stuck in the same money patterns you started 2025 with? Like you're going through the motions but not making real progress? You're not alone. This week I ran a special mid-year workshop for my Moneywise clients and waitlist members, and what happened was so powerful I had to bring it to the podcast.You'll learn:How to identify the hidden money pattern that's been secretly running your financial lifeThe December 2025 vision exercise that creates clarity instantlyWhy your money emotions matter more than your budgetThe ONE decision framework that bridges where you are to where you want to beHow to turn "inevitable" financial progress instead of hoping and wishingInstead of typical goal-setting that never sticks, this episode goes deep on rewriting the money stories that have been holding you back. If you've been spinning your wheels financially and want your second half of 2025 to feel completely different, this reset will show you exactly how to make it happen.Join the Moneywise Mastermind Waitlist here: https://www.katyalmstrom.com/mm-waitlist Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

In this episode of Boldin Your Money, Steve Chen talks with Andy Hill, creator of Marriage, Kids and Money, about Andy's journey from having a negative net worth to achieving financial independence through intentional saving, living on one income, and aligning money decisions with family goals. Andy shares how reaching “Coast FI” allowed his family to work less and enjoy life more, the importance of early financial conversations with a partner, and his strategies for teaching kids about money by making it a regular, open topic. He also reflects on how purposeful time use can lead to a happier, healthier life and discusses his upcoming book Own Your Time, which helps parents build financial security while prioritizing family.

Ellyce Fulmore, Canadian Queer and neurodivergent financial educator, joins the Journey to Launch podcast to talk about how she paid off high interest debt, ADHD and money, and her new book, “Keeping Finance Personal.”  Ellyce is a full-time content creator and founder of Queerd Co., a financial literacy company. Her approach to finance goes beyond the conventional, focusing on the intersectionality of identities and lived experiences.  We also discuss the importance of understanding how dopamine operates in your neurodivergent brain, ADHD hacks to get better with money, what “Momentum Surfing” is, and how to figure out (and stick to) a budget process that works best for you. In this episode you'll learn more about: Challenges people with neurodivergence experience with finance + how they can become better at money management The strategy behind Ellyce paying off debt and investing while on an inconsistent income Why becoming debt free isn't “the ultimate” goal for everyone  Celebrating people's differences, the validity of self diagnosis, sticker boards + more Check out the video to this episode on YouTube here.  Other Links Mentioned in episode: Dopamenu with How to ADHD + Eric Tivers Apply to Share Your Journeyer Story here. Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here!  Get your copy of my book: Your Journey To Financial Freedom! Join The Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with Ellyce: Website: QueerdCo.com  Instagram:@Ellyce.Fulmore Tik Tok:@QueerD.Co Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Get The Free Jumpstart Guide  

⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: https://coachcarson.com/rpm  

Subscribe to Simplify My Money:https://www.debtfreedad.com/newsletters/simplify-my-money Feeling overwhelmed by money? You're not alone! Join Brad Nelson, founder of Debt Free Dad, as he welcomes Tara Mean, who shares her journey of saving and paying off tens of thousands of dollars. Discover how mindset shifts, motivation, and practical steps can lead to financial freedom. Tara shares the challenges she faced and the strategies she used to turn her financial life around, including getting her family on board and celebrating progress along the way. Tune in for an inspiring conversation about overcoming debt and achieving financial peace. Support the showThe Totally Awesome Debt Freedom Planner https://www.debtfreedad.com/planner Connect With Brad Website- https://www.debtfreedad.com Facebook - https://www.facebook.com/thedebtfreedad Private Facebook Group - https://www.facebook.com/groups/debtfreedad Instagram - https://www.instagram.com/debtfreedad/ TikTok - https://www.tiktok.com/@debt_free_dad YouTube - https://www.youtube.com/@bradnelson-debtfreedad2751/featured Thanks For Listening Like what you hear? Please, subscribe on the platform you listen to most: Apple Podcasts, iHeartRadio, Spotify, Tune-In, Stitcher, YouTube Music, YouTube We LOVE feedback, and also helps us grow our podcast! Please leave us an honest review in Apple Podcasts, we read every single one. Is there someone that you think would benefit from the Debt Free Dad podcast? Please, share this episode with them on your favorite social network!

In this episode of The Jack Bosch Show, Chris Miles, the "Anti-Financial Advisor," shares why traditional financial advice fails so many people — and what to do instead. Chris breaks down how to free up hidden cash flow, eliminate debt strategically, and create financial freedom faster using methods like his "Cash Flow Index" and smart infinite banking strategies. We cover real-world tips to get lean, stay liquid, and start building true passive income. Learn more about Chris at MoneyRipples.com and check out the Money Ripples Podcast for even more insights! ---

Got student loan questions weighing on you? You're definitely not alone. This week, we're opening up the Student Loan Planner mailbag to tackle some of the most pressing issues borrowers are facing. Should you switch IDR plans? Is Public Service Loan Forgiveness (PSLF) buyback the right move? We also address the very real frustrations with federal loan servicers — the long hold times, the inconsistent information, and the impact of staffing shortages. Beyond that, we'll cover practical tax filing strategies that could lead to significant savings, how to identify potential calculation errors in your loan details, and offer an update on the ongoing delays with forgiveness applications. If you're ready for clarity on your student loans, this episode delivers the answers you need in 2025. Key moments: (04:37) Stressing about interest accrual could be counterproductive on your path to loan forgiveness (07:45)  The PSLF buyback steps, and remember your qualifying payments don't need to be consecutive (16:53) Despite common talk of "old" and "new" IBR, there is technically only one Income-Based Repayment plan (26:07) A payoff strategy for a high-income physician facing loans without PSLF (43:33) Military families face unique PSLF considerations, with state residency affecting community property rules Links mentioned:  Income-Driven Repayment (IDR) Plan Request PSLF Help Tool Compare refinancing lenders   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

Dr. Latifat is dedicated to helping women physicians take control of their finances with confidence and ease. Through mindset shifts and practical strategies, she empowers them to build wealth without burnout.In this episode, she shares powerful strategies to reduce financial anxiety. She explains how shifting your mindset, surrounding yourself with the right people, and adjusting your goals wisely can help you achieve financial freedom with less stress.Key Takeaways:The future you will be more equipped.Stop inflating your problems.Slowing down can actually help you move faster.Timestamps: 16:57 Understanding that your future self is more equipped17:53 The power of self-talk and reframing your thoughts19:03 Every financial problem has been solved before19:37 Surround yourself with the right people for growth21:11 When and how to adjust your financial goals22:04 Why slowing down can help you reach goals faster22:49 How MoneyFitMD can support your financial journey23:58 Final words and call to actionConnect with Dr. Latifat:☎️ Book A Call: www.moneyfitmd.com/call