Podcasts about Financial independence

It's a strange time for student debt. On one hand, many college graduates are electing not to pay their student loans while they sit in forbearance. On the other, some debtors are choosing to take advantage of the zero-percent interest period as a way for them to pay down their loans faster. While neither of those choices is inherently wrong, they may also not be right. Today's guest, Colton, finds himself in this position with a good $300,000 worth of student debt.This number encompasses both Colton and his wife's student loan payments. A good portion of their loans can be forgiven over twenty years, so which loan balance should he handle first? Thankfully, with Colton's sizable take-home pay, he has options that many wouldn't think of. Scott and Mindy debate on whether or not paying off debt early, waiting for forgiveness, or investing instead would be the best course of action for Colton.Regardless of whether you have student debt, a car loan, a medical loan, or any other type of timely payment due soon, this is a calculation worth performing. Scott and Mindy also take a look at Colton's diversified portfolio of assets, arguing that diversification could be leading him down a long path to FI, instead of helping him gain financial footing.In This Episode We CoverHow over-diversification can set you back from reaching your financial goalsWhy the “grind to FI” doesn't have to destroy the life you loveReal estate investing as a hedge against large amounts of personal debtStudent loan forbearance and forgiveness, plus when to start paying back your loansPrivate mortgage insurance and the multiple options you have to get rid of itLive in flip tips and how to keep your sanity while renovating your primary residence And So Much More!Links from the ShowBiggerPockets Money Facebook GroupBiggerPockets ForumsFinance Review Guest OnboardingScott's InstagramMindy's TwitterApply to Be a Guest on The Money ShowPodcast Talent Search!Subscribe to The “On The Market” YouTube ChannelListen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPocketsCheck Out Mindy's 2022 Live Spending Tracker and BudgetStudent Loans Update: Repayment, Refinancing, and Potential Forgiveness w/ Robert FarringtonFinance Friday: Using Student Loan Forgiveness to Catapult FI w/ SammieSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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Nick Maggiulli, blogger and author, joins the podcast to discuss the intersection of data and personal finance.  We talk about the numbers behind financial moves to save money, invest, and build sustainable wealth, while also combatting common absolutes in the personal finance world. Nick and I discuss the order of operations of investing, how debt isn't always bad, why he thinks you probably shouldn't max out your 401k, and more. In this episode we discuss: The importance of where you focus your attention in your financial life Why you need an emergency fund first and foremost How to stop the stress and guilt we feel when we spend money The 2x rule when you are able to spend The usefulness of debt + more Other related blog posts/links mentioned in this episode: Buy Nick's book: Just Keep Buying Join the waitlist for my signature course, Map Your Way To Financial Independence, here. Check out my new personal website here. Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 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. Connect with Nick: Website Instagram:@NickMaggiulli Twitter: @DollarsAndData 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

#036 - On this episode, Mayra talks to Jenavi Kasper CEO of La Jefa Status a business consulting firm for Latina-owned businesses.  We talked about our upbringing, how she navigated student loans and touched on how we can build small businesses with little to no money! Follow Jenavi on Instagram at @LaJefaStatus or learn more at LaJefaStatus.com Connect with Mayra at https://DebtFreeLatina.com  Follow Mayra on Instagram at @debtfree.latina and/or @mayra.alejandra.garcia

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Did you know that you can invest ethically and still grow your wealth?Often it is a misconception that sustainable and ethical investing means little or no profits. We interviewed Raquel Queral, a property investor and developer who believes you can look after people, the planet and your profits.Raquel's company, RQT Property Investments Ltd have built up a sizeable, high-yielding, property portfolio of Buy to Lets and specialise in High End HMO's and Co-living spaces. Her organisation has raised over £12m of investment, made over £1.2m in profit for investors and housed over 1,000 individuals.With new sustainability regulations being put in place by the government, tune in to find out how you can look after people, the planet and your profits! Resources Mentioned In This Episode:>> Connect with Raquel Queral [LinkedIn]>> Save £500 and get 3 Free Gifts - WealthBuilders Self Study Course>> WT009: The Wheel Of Wealth>> Join the WealthBuilders Academy>> REGISTER HERE FOR FREE RESOURCES ACCESS If you have been enjoying listening to WealthTalk - Please Leave Us A Review!

Today I'm chatting with Jillian Johnsrud, author of the book Fire The Haters. Jillian became financially independent at 32 years old and now creates content to help other achieve similar results. Inevitably though, when putting yourself out online, you'll attract trolls and idiots, and Jillian shows us how she has dealt with that and also talks about her financial journey.

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You may have seen mortgage tips posted throughout the forums or in the BiggerPockets Money Facebook Group, but rarely do you get preapproval tips straight from a lender themselves. As the housing market stays hot and interest rates continue to rise, it may seem harder and harder to get approved for the amount, or the interest rate, that you want. Now, instead of guessing what you can do to increase your financeability, you can get answers directly from the source!Joining us today is Jon Lallande, former mortgage lender, now real estate investor. Jon has helped close tens of millions of dollars in mortgages and has funded homes across the US. He's on today to help us separate the wheat from the lending chaff so you can have a smoother preapproval process. Jon touches on the different types of lenders, how to increase your credit score before you apply for a loan, getting around lender “overlays”, and how tax deductions can be dangerous for self-employed professionals.No matter your qualification query, Jon probably has an answer to it. Listening to this episode may just give you the steps you need to finally lock down that first deal, primary residence, or next investment property!In This Episode We CoverThe easiest way to make yourself “attractive” to a lender Lender overlays and how to get around them so you can get preapprovedThe easiest way to raise your credit score so you can get the best loan possibleThe upside of PMI (private mortgage insurance) and how to purchase properties with low money downWhy many investors put themselves in mortgage fraud territory and how you can stay out of itHow to get a mortgage as a self-employed individual and when NOT to take deductionsAnd So Much More!Links from the ShowBiggerPockets Money Facebook GroupBiggerPockets ForumsFinance Review Guest OnboardingMindy's TwitterApply to Be a Guest on The Money ShowPodcast Talent Search!Subscribe to The “On The Market” YouTube ChannelListen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPocketsSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

What would it be like to more than double your income, pay off all your debt, move to a lower cost of living location to be closer to loved ones, AND be treated with the respect for the specialized skills you possess?   In today's episode, Heather Rhoden shares with Bradly and Anita how joining Talent Stacker helped her land her new Salesforce career in just 3 1/2 months.   Better yet, the ability to earn more and save more has allowed her to win back her Financial Independence! Handy Timestamps: 2:10: How listening to two inspirational stories - and taking action - changed Heather Rhoden's life helped her win back her financial independence. 4:00: How Heather paid off her credit card debt and earned herself a fresh start. 7:30: How the Financial Independence community is so similar to the Talent Stacker and Salesforce communities in helping to lift you up and keep you on task. 11:00: How Heather eventually got her first Salesforce job in just 3 1/2 months, with double the pay and quadruple the respect. 13:00: First time decisions that come with financial strength: max out employer-sponsored 401 K retirement account, or get into house-hacking with real estate? 15:45: A higher paycheck flips the Financial Independence equation of earn more, spend less, and invest the difference. Here's how. 19:50: How a 100% remote Salesforce career sets you up for geo-arbitrage: earning a high income and moving to a low cost of living region while being closer to family. 27:45: How a Salesforce career and FI allows you to take your life on the road, Personal Time Off days be damned! 29:20: By exceeding expectations in their Salesforce roles, most people will earn the respect of their co-workers and get $10-$20k raises within a year of getting started. 34:30: Preview of the next episode.

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Almost every age group wants to know how to retire in ten years. Whether you're in your teens, your mid-thirties, or your mid-fifties, retirement can seem like an eternity away. Those who retire early and find financial freedom tend to do so through a combination of smart investing, early saving, and a tenacity for budgeting (without giving up everything they love). But what if you don't have time on your side? What if you're still paying off debt? Is it still possible to retire?Thankfully for today's guest Rik, and all you listeners at home, we can safely say that retirement is in reach, even if you feel like you're a little off track. Rik has three degrees and as a result, is strapped with some moderate student debt. He wants to retire in five to ten years and realizes that it will take some work to get him in that position. Thankfully, he has some hands-on real estate investing experience—owning a duplex and performing a live in flip on his primary residence.Rik is more than willing to get his hands dirty in his pursuit of early retirement, whether that means doing remodels himself, limiting his booze budget, or simply living a little leaner. With some smart investments under his belt, he's been able to set himself up in a good position to take on more projects, have smarter debt, and keep more cash. But, Rik will need to take care of a few things first before he can continue building this retirement runway that's already underway.In This Episode We CoverStudent loan debt forgiveness and how to pay off your debt in the smartest way possibleHouse hacking, live in flipping, and turning your home into a cash-flowing machine or equity checkBuilding a strong cash position/safety reserve and having the funds to invest fasterHELOCs (home equity lines of credit) and using them to pay off renovationsWhether to rent or sell a property in these high-interest timesBuilding a retirement nest egg that allows you to travel, take time off of work, and creatively investAnd So Much More!Links from the ShowBiggerPockets Money Facebook GroupBiggerPockets ForumsFinance Review Guest OnboardingScott's InstagramMindy's TwitterApply to Be a Guest on The Money ShowPodcast Talent Search!Subscribe to The “On The Market” YouTube ChannelMintMobile.comAmazon PrimeListen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPocketsCheck Out Mindy's 2022 Live Spending Tracker and BudgetRookie Reply: Cash Out Refinances vs HELOCs | Which Should You Use?Finance Friday: How to Avoid the “Middle Class Trap” When Building WealthFinance Friday: How Do I Get Out Of This Cash Flow Crisis?See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

If you're fortunate enough to learn about financial independence and starting to become financially literate before PA school, what can you do ahead of time to prepare and set yourself up for success? Rebecca is a brand new PA student (she just started last week!), and her husband, Skyler, is the FI part of the couple as he loves spreadsheets and optimizing their finances. They also share how they can communicate well as a couple when trying to discuss finances on their way to FI. Whether you're a pre-PA student, PA student, or a married PA, you'll find the information in this episode helpful!    Today's episode was sponsored by Student Loan Advice . Reach out to Andrew to have a consult for the best way to pay off your student loans!    Find Skyler's podcast (Money Talk with Skyler Fleming):  https://www.skylerfleming.com/ https://www.instagram.com/MoneyTalk.SkylerFleming/ https://www.facebook.com/MoneyTalk.SkylerFleming/   Connect with Rebecca on Instagram:    https://www.instagram.com/rebeccajebeccafleming/     Enjoy the show? You can now support the PA the FI Way podcast through Buy Me a Coffee! Thank you for all of your support! https://www.buymeacoffee.com/pathefiway    Follow along on Instagram: @pathefiway   https://www.instagram.com/pathefiway/   Join the private Facebook group created for current and future PAs on their journey to financial independence: https://www.facebook.com/groups/pathefiway    Like the Facebook page to follow along for updates: https://www.facebook.com/pathefiway   Website to read blog posts: pathefiway.com   Prefer to pin the posts that you found informative? Follow along on Pinterest: https://www.pinterest.com/pathefiway 

There's a growing movement which encourages young people to save the majority of their income now and then retire at an early age. Bucky investigates how it works and what the pros and cons are. Host: Andrew Bucklow Producer:  Hareem Khan Supporting Producer: Nina Young Audio Editor: Joshua Burton See omnystudio.com/listener for privacy information.

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Leilani Reed-Logan, Journeyer and financial independence (FI) enthusiast, joins the podcast to discuss how Journey To Launch changed her life and why she is choosing happiness above all else, thanks to her newfound financial freedom at age 45. We talk about why Leilani decided to set out on the path to FI, despite being “older,” the lessons she learned from listening to this podcast, and how COVID became the catalyst for her to walk away from corporate America forever. In this episode we discuss: Why Leilani stepped away from a $200,000 per year salary job  Choosing what sparks joy in your life over everything else The ways financial independence changed Leilani's life  Steps Leilani took to pay off her mortgage early How you can increase your career income + more  Other related blog posts/links mentioned in this episode: https://www.journeytolaunch.com/episode141 https://www.journeytolaunch.com/episode40 Join the waitlist for my signature course, Map Your Way To Financial Independence, here. Check out my new personal website here. Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 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. Connect with Leilani: Instagram:@Twist.Mix.Sip Facebook:@LeilaniReed-Logan 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

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How would you like to learn the skills required to build wealth?At WealthBuilders, we're on a mission to help 50,000 families completely transform their wealth and become financially independent. That's why we will be launching our brand new self-study course aimed at ambitious employees and time-poor business owners who want to move from financial insecurity to financial independence within 5 years.Tune in to find out all about the new WealthBuilders self-study course and how you can enter to win a free self-study course valued at £1995!! Resources Mentioned In This Episode:>> Enter the WealthBuilders Self Study Course Competition>> Join the WealthBuilders Academy>> REGISTER HERE FOR FREE RESOURCES ACCESS If you have been enjoying listening to WealthTalk - Please Leave Us A Review!

#035 - On this episode, Mayra explains how sometimes we feel like we have to do all the things.  However, keeping things simple and having a strategy helps us achieve our goals and wealth build! Connect with Mayra at https://DebtFreeLatina.com  Follow Mayra on Instagram at @debtfree.latina and/or @mayra.alejandra.garcia

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Dan Sheeks is the Author of First to a Million: A Teenager's Guide to Achieving Early Financial Independence and the founder of SheeksFreaks: a community of young entrepreneurs and early FI seekers. Dan has also been teaching high school business classes for 19 years. Top 3 Value Bombs: 1. If you are a young person, or a parent of a young person. Flip the script on the status quo. If a person is going to go on college, community colleges are a great option. Do an internship or apprenticeship that won't put them in tens of thousands of dollars in debt. 2. The system is setup where if a high school student wants to pursue high level of education, they're going to be much more attractive to colleges and universities if they have a high level math and science classes. 3. It's difficult to know what you want to do for, potentially, 40 years of your life when you're 18 years old, and to pick a major that you're not going to be interested in for decades. Cheek out Dan's website and join a community of like-minded people - Sheeks Freaks Sponsors: HubSpot: Learn how to grow better by connecting your people, your customers, and your business at HubSpot.com! LinkedIn Advertising: Scale your marketing and grow your business with LinkedIn Advertising! And right, LinkedIn is offering a $100 credit on your next campaign. Visit LinkedIn.com/onfire to claim your credit! VistaCreate: A graphic design platform where anyone can easily craft professional and unique visual content for social media and digital marketing in minutes! Visit VistaCreate.com today to try it for free!

Dan Sheeks is the Author of First to a Million: A Teenager's Guide to Achieving Early Financial Independence and the founder of SheeksFreaks: a community of young entrepreneurs and early FI seekers. Dan has also been teaching high school business classes for 19 years. Top 3 Value Bombs: 1. If you are a young person, or a parent of a young person. Flip the script on the status quo. If a person is going to go on college, community colleges are a great option. Do an internship or apprenticeship that won't put them in tens of thousands of dollars in debt. 2. The system is setup where if a high school student wants to pursue high level of education, they're going to be much more attractive to colleges and universities if they have a high level math and science classes. 3. It's difficult to know what you want to do for, potentially, 40 years of your life when you're 18 years old, and to pick a major that you're not going to be interested in for decades. Cheek out Dan's website and join a community of like-minded people - Sheeks Freaks Sponsors: HubSpot: Learn how to grow better by connecting your people, your customers, and your business at HubSpot.com! LinkedIn Advertising: Scale your marketing and grow your business with LinkedIn Advertising! And right, LinkedIn is offering a $100 credit on your next campaign. Visit LinkedIn.com/onfire to claim your credit! VistaCreate: A graphic design platform where anyone can easily craft professional and unique visual content for social media and digital marketing in minutes! Visit VistaCreate.com today to try it for free!

Asking for a prenup (prenuptial agreement) can be an exceedingly scary ask. To your partner, a prenup may seem like a way of telling them that you're planning for a future divorce. But, in reality, it could be the thing that secretly saves your marriage. The everyday American knows very little about the prenuptial agreement and has gotten most of their information from movies, reality TV shows, and hearsay from friends and relatives. We wanted to know the truth about prenups, so we invited attorney Aaron Thomas on the podcast.Aaron Thomas has a wide range of experience in family law, divorce law, and anything that comes from legally joining (or separating) a couple. He knows how difficult divorce cases can be and saw the same mistakes repeated by couples. The lack of communication over finances, minimal planning (if any at all), and wishful thinking led to more and more couples seeking separation shortly after marriage.Now, Aaron and his team work with couples to form strong prenuptial and postnuptial agreements so that they have a rock-solid financial foundation to stand on when dealing with the daily joys and struggles of marriage. Aaron argues that the prenup may be the most important step in mitigating a divorce and that the protection of a prenup goes far beyond wealth. If you never thought about getting a prenup or postnup before, you definitely will after this episode!In This Episode We CoverPrenuptial and postnuptial agreements explained and what they protectAdded stipulations in a prenup that most couples don't know aboutThe optimal way to combine finances as a couple and how to split uneven paychecksHow to bring up a prenup or postnup to a partner who's feeling averse to oneThe cost of divorce vs. a prenup and why you DON'T want to leave a legal separation up to state lawsWhich couples shouldn't look into signing a prenuptial or postnuptial agreementAnd So Much More!Links from the ShowBiggerPockets Money Facebook GroupBiggerPockets ForumsFinance Review Guest OnboardingMindy's TwitterApply to Be a Guest on The Money ShowPodcast Talent Search!Subscribe to The “On The Market” YouTube ChannelListen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPocketsCheck Out Mindy's 2022 Live Spending Tracker and BudgetATL Aaron Thomas LawBiggerPockets Money Podcast 24: Getting Financially “Naked” with Your Significant Other — With Erin LowryPrenups.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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Are you an emerging millionaire? Would you like to be? How do you manage your money today to bring yourself closer to that millionaire lifestyle? On this week's episode of Get Your FILL, Financial Independence & Long Life Podcast, Jamie Lima, CEO and Founder of Woodson Wealth Management, points us in the direction of future wealth. Listen to the podcast Visit Jamie's website Watch the video About Jamie Jamie Lima is the Founder and President of Woodson Wealth Management. Jamie's career began with Morgan Stanley in 2006, later joining Fidelity Investments as a Vice President in 2011, where he was responsible for the oversight of over $1 billion in assets of nearly 500 high-net worth families and businesses. He brings over 20 years of wealth management and hands-on experience in the Financial Services industry. Jamie loves helping his clients make complex financial decisions, and ‘making the puzzle pieces ‘fit' for them.

There are a lot of reasons why entrepreneurs should write a book.  Books can be used as lead magnets to attract more customers, they can act as a portfolio piece for potential clients, and they can help you position yourself as an expert in your field. But the best part is that writing a book is simple - you don't need to be an experienced writer or have gone to school for journalism. In this interview, you will learn how to get started and get some tips on how to write a book that will help you achieve your business goals. Through her Business Strategy and Life Coaching Practice, Chana Mason works with clients and students around the world, guiding them to clarify a vision for their lives, unravel the thought patterns that hold them back, and giving them the tools and support to actualize their dreams. Chana holds a BA in Theater and Engineering from Dartmouth College. After working for Bain & Co. management consulting in Sydney, she worked business development, technology, education, and graphic design. After mentoring others in the personal development for decades, she threw herself passionately into coaching and into sharing the tools for health and success she's gleaned and developed. She is the author of Hold That Thought, which teaches readers how to gain Clarity, Peace, and Joy, by gaining Mastery over their Thinking, The Size of Your Dreams, a novel which teaches tools for Manifesting your Dreams; and The Cash Machine, a tale of Passion, Persistence, and Financial Independence. Follow Chana Mason Website  https://chanamason.com/ Facebook  https://www.facebook.com/ChanaMasonGuide YouTube  https://www.youtube.com/c/ChanaMasonVitalityCoach/videos

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Don't get sucked into some of these personal finance arguments! I'm so over these!1. Dave Ramsey - you either love him or despise him2. The Latte Factor - Can you drink coffee or not?3. Debt Snowball or Debt Avalanche - either way, you're getting out of debt! 4. Being a stay at home mom or working momFind me on YouTube!

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You've heard of middle-class money traps before. Like spending your whole paycheck on rent, not paying yourself first, and the sneaky seduction of obsessive eating out. Today, we're talking about a far less known type of middle-class trap, the type that keeps your wealth growing but limits the amount of “freedom” you feel in the process. Oftentimes, savers can find themselves in a position with a big cash surplus but hold tight to it to feel “safe” instead of feeling flexible.Today's guest, April, falls into this category. She's done a phenomenal job at building a millionaire life, keeping large cash savings, and diligently investing in retirement accounts. She's in a favorable position, but it's not the position she wants to stay in. April wants to feel a true sense of financial flexibility, with the option to leave her job or decrease the amount of time she spends working. But, to do this, she'll have to confront her limited “cash scarcity” mindset and chase other investing options.Scott and Mindy guide April on exactly how to do this, walking through various types of investment options that she (and you at home) can use to maximize a lifestyle for freedom, not just wealth. Even a financial powerhouse like Mindy struggles with these same issues, and you might too once you hit millionaire status!In This Episode We CoverWhether or not you're overinvesting in retirement accounts (and how to find out if you are)Converting from a scarcity mindset to money abundant mindset to truly take worthwhile risksInvesting in passive income streams like rental properties, syndications, and dividend stocksHow much to keep in your cash position and when to start investing your excess capitalHELOCs (home equity lines of credit) and how they can combat a low-cash positionWhether or not to pay off your mortgage early (or your car loan!)And So Much More!Links from the ShowBiggerPockets Money Facebook GroupBiggerPockets ForumsFinance Review Guest OnboardingScott's InstagramMindy's TwitterApply to Be a Guest on The Money ShowPodcast Talent Search!Subscribe to The “On The Market” YouTube ChannelListen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPocketsCheck Out Mindy's 2022 Live Spending Tracker and BudgetBiggerPockets Money Podcast 243: Ramit Sethi's Money Advice for Couples: Live a Rich Life, TogetherBiggerPockets Money Podcast 260: Finance Friday: How to Hit $10M Net Worth in 10 Years (Or Less)BiggerPockets Money Podcast 18: Accessing Retirement Funds Before Age 59½ with The Mad FientistSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Sometimes the driving factors of success are born from passion but other times, it's pure necessity. MaryRuth Ghiyam, founder of MaryRuth Organics, explains how her determination to overcome overwhelming debt drove her to become an entrepreneur, creating a successful company and achieving the ultimate financial independence.  Although she had been lucky enough to have been offered financial support from those in her life, MaryRuth rejected those generous offers in lieu of becoming the master of her own destiny and being in total control of her financial future. Ghiyam explains how she had to change her thinking to change her outcome and what it took to leave her debt in the rear-view mirror. Learn more about your ad choices. Visit megaphone.fm/adchoices

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On my ongoing personal development journey, on Thursday's episodes, I now focus on consolidation. Repetition is the mother of all learning, they say. So instead of adding more knowledge, I revisit the previous episodes and consolidate the wisdom imparted by my guests.⁣ My intention is to distil and share this wisdom with you in a way that you'll find something that clicks, something that inspires you to take action as a result. ⁣ Today's episode is focused on the mindset of money: having other sources of income, Robert Kiyosaki's “Rich dad poor dad” book, achieving financial independence, how to deal with a scarcity mindset, and how abundance is connected to giving.    I revisit 3 of the previous episodes and share the wisdom of my guests: Halstead Ottley (#029), Nikos Mavrakis (#42), and Jay Munoz (#71). ⁣ ݆⁣

Joshua Becker, Wall Street Journal best-selling author, joins the podcast to discuss how to eliminate common obstacles to discover what truly matters in your life.  Joshua is passionate about helping people recognize what is hindering their happiness and live with no regrets. We discuss problematic narratives in the Financial Independence, Retire Early Movement, why being selfless will lead to a more fruitful life, and actionable steps to rid yourself of distractions. In this episode we discuss: The 8 distractions: fear, past mistakes, the selfish pursuit of happiness, money, possession, accolades, leisure, and technology How serving your community and having empathy for others allows you to avoid the “Me Monster” How the greatest benefit of generosity is when we realize we already have enough An exercise to overcome the narrative of “I don't have enough money.” Getting to the end of your life and not regretting it, because you were able to focus on things that matter, more than just making more money + more Other related blog posts/links mentioned in this episode: Episode 64- Your Guide To Becoming A Minimalist & Simplifying Your Life W/ Joshua Becker Get Joshua's Book- Things That Matter: Overcoming Distraction to Pursue a More Meaningful Life Why Work by Dorothy Sayers Join the waitlist for my signature course, Map Your Way To Financial Independence, here. Check out my new personal website here. Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 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. Connect with Joshua: Website Instagram:@Joshua_Becker Twitter:@Joshua_Becker Facebook:@BecomingMinimalist 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

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#034 - On this episode, Mayra reviews how to create an income when your income varies week to week or month to month.   Connect with Mayra at https://DebtFreeLatina.com  Follow Mayra on Instagram at @debtfree.latina and/or @mayra.alejandra.garcia

In a good timeline, no one would have to prepare for a post-Roe world. Reproductive rights would be safely enshrined in our constitution, where they belong. Plus, ice cream would never melt.Unfortunately, last week's news made it abundantly clear that we're in a crappy timeline. I accepted this news with horror, but not surprise. My faith in my elected representatives is as melty as a tub of Americone Dream left on the counter overnight.But this isn't the time to despair. It's time to take action. Someone gave us the incredible gift of forewarning. We have two months to prepare. And there's a lot of steps you can take to protect yourself and others in your community from the appalling consequences of forced childbirth.Piggy and I hopped on an impromptu recording session to help our readers and listeners steel themselves for the fall of Roe v. Wade. And I'm thrilled to say we left our aimless thrashing and redundant moralizing on the cutting room floor! (Mostly.) What remained were actionable steps to help you prepare for a post-Roe world.LIKE THIS SHOW AND WANT US TO KEEP DOING IT?Show your love by becoming a patron. We're trying really hard not to do the whole corporate money thing. Disrupt capitalism today!  (https://www.patreon.com/bitchesgetriches)WANT TO ASK A QUESTION?Go to Bitches Get Riches and click "Ask the Bitches." We get too many to answer them all, but donors are guaranteed an answer! (https://www.bitchesgetriches.com)NEED MORE OF THE BITCHES?• Read our dank wisdom nuggs at Bitches Get Riches.• Get new articles delivered to your inbox so you never miss 'em.• Follow us on YouTube, Twitter, Tumblr, Pinterest, and Instagram.• Support the show on Patreon.Support the show

Craig Stephens of Retire Before Dad talks about how financial independence affects traveling Episode 1887: The Holy Grail of Travel by Craig Stephens of Retire Before Dad on Finding Your Financial Independence Craig Stephens of Retire Before Dad is a 43-year-old IT professional, investor, and blogger based in the Washington, DC metro area. His primary financial goal is to retire at age 55, one year before his Dad retired. He writes about how to build income streams so you can explore the unusual. His first love is his beautiful wife and three kids. His second love is travel. Combining both in early retirement is the ultimate goal and his primary motivation for financial independence. The original post is located here: https://www.retirebeforedad.com/holy-grail-of-travel/   Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

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Are you searching for that next step in your financial independence journey? With so many books and resources available, it's hard to narrow down exactly what you should be doing -- and when -- to meet your goals. Today's guests created an app to help with that exact problem. Grant Sabatier and Logan Leckie created Topia, an app geared toward helping you reach financial independence. With clear steps and action items, you can crush your goals. They explain how it works and why it's so revolutionary. During our headline segment, we dive into tech stocks, specifically Netflix. Tech stocks have dominated the market for the past few years. What's next for them? We give our thoughts and point to stock buybacks and stock splits in today's market. We'll also answer Ray's question about the top fundamental things to know in personal finance. And Doug will share his Billy Joel themed trivia. Enjoy! Learn more about your ad choices. Visit megaphone.fm/adchoices

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Budget meals, cheap eats, and deliciously discounted recipes are all in this episode of the BiggerPockets Money Podcast. As many of you financial freedom chasers know, one of the biggest monthly expenses on your budget tends to be food costs. Whether that be going out or grocery shopping to feed yourself, your spouse, your kids, and anyone else in your family— eating well isn't cheap…or so most people think.Beth Moncel is here to tell you that the preconceived notion of good food = expensive food, isn't exactly right. Beth started her blog, Budget Bytes, over a decade ago during the great recession, when many families struggled to put food on the table. With a degree in nutrition, Beth knew that she could scientifically design recipes that not only filled up her family but helped her do so on a budget.If you're constantly going over your food budget, this is the episode to listen to. Beth gives a masterclass on food budget savers vs. sinkers, pantry staples and go-to recipes, meal planning, eating out, and whether or not you should shop on an empty stomach. Prepare to upgrade your dinner time while keeping more cash in your pocket!In This Episode We CoverCommon mistakes budgeters make when trying to plan weekly meals The biggest budget busters you'll find in your local grocery store and what to buy insteadBeth's go-to recipes that also act as pantry clean-out meals for less food wasteMeal planning and how to start with simple, filling recipes you won't get tired ofShopping without coupons and why the best ingredients are often the cheapestCalculating the exact cost of your meals and tweaking recipes for frugal shoppersAnd So Much More!Links from the ShowBiggerPockets Money Facebook GroupBiggerPockets ForumsFinance Review Guest OnboardingMindy's TwitterApply to Be a Guest on The Money ShowPodcast Talent Search!Subscribe to The “On The Market” YouTube ChannelListen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPocketsCheck Out Mindy's 2022 Live Spending Tracker and BudgetBiggerPockets Money Podcast 251 with Preston CooperFlipp.com WebsiteBudgetBytes.comConnect with DavidSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Even though Maggie has accomplished a massive amount of things financially and has put herself in a position to retire at 41, she's still afraid of a lot of things.  We talk through a few things related to fear:Everything Maggie is afraid of.  It's a lot of things.The definition of fear.The good and bad sides of fear.“Courage is not the absence of fear, but the triumph over it.  The brave (wo)man is not she/he who does not feel afraid, but she/he who conquers that fear.  -Nelson Mandela8 ways to conquer your financial fears:Be kind to yourself.  Accept that fear is normal, especially when you're taking the path less traveled.Listen and learn.  Educate yourself thru books, podcasts, youtube, blogs, and more!Know your numbers.  Track your expenses + net worth.  What gets measured gets better.Calculate your fears.  Put #s against your fears, worst-case scenario them.  You can deal with them.Remember, you're resilient.  Your skillset is strong; you can work again and do whatever is needed.Write it down.  Write down your fears, imagine the worst, rank, and prioritize them.Breathe + Meditate.  Leverage the science that proves breathwork and meditation can help you with fear and anxiety.  And the good news is these practices are easy and free.Find your community!  Surround yourself with like-minded supportive people.  Your community is powerful!Top 3 takeaways:Fear is normal.Courage is not the absence of fear but our ability to triumph over our fears.There are things you can proactively do to push through your fears, so do them!Show References:campFIBook: Bag Lady PapersFriends on FIRE episode #27 - Why Tracking Net Worth MattersFriends on FIRE episode #15 - Expense Tracking Gone WildNet worth tracking spreadsheetExpense tracking spreadsheetFriends on FIRE episode #130 | Where meditation and money meetMostly Minimal Life: An introduction to fearFIRE---Follow friends on FIRETwitterInstagramFacebookLinkedInLeave us a voicemail or text us: 404-981-3370eMail us at:  friendsonfiremm@gmail.comVisit our website: www.friendsonfire.org---Other LinksMaggie's Blog: Mostly Minimal LifeMike's Book:  Your New Relationship with Money

Stock market crashes aren't common, but when they happen, they often catch you by surprise. Thankfully, we're not in the middle of a stock market crash, but this current correction or “dip” we're riding has got some early retirement and FIRE chasers feeling a little anxious. Carl and Mindy Jensen, real estate and index fund investors, have seen a twenty-five percent drop in their portfolio just over the past six months alone. What effect does that have on their future financial plans?Welcome back to this month's episode of Carl and Mindy's Spending Summary, where we finally get to see an under budget month! Thanks to some family frugality, Carl and Mindy were able to shop pretty light this April, even while going over budget on some essentials like groceries and medical expenses. This may be the last under budget month for a bit as some upcoming trips may prop up their expenses as we roll into summer.Carl and Mindy have also been keeping an eye on the stock market and how its performance is affecting their portfolio and future retirement plans. When Carl decided to step away from work five years ago, he had the tailwinds of a strong stock market at his back. But, with recent drops in stock valuation, it begs the question: would Carl still be able to retire early if the market conditions mirrored today?In This Episode We CoverThe budgeting and expense tracking “slog” that helps you spend less and keep more Expensive summer trips and how to account for future travel in your monthly budgetThe Nasdaq's rough month and what to do when stock indexes start to fallThe 4% rule and how rough market conditions could hurt your early retirement plansWhether or not you should still retire during a market crash/correction And So Much More!Links from the ShowBiggerPockets Money Facebook GroupBiggerPockets ForumsFinance Review Guest OnboardingScott's InstagramMindy's TwitterApply to Be a Guest on The Money ShowPodcast Talent Search!Subscribe to The “On The Market” YouTube ChannelListen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets Check Out Mindy's 2022 Live Spending Tracker and BudgetHear Our Interview with 4% Rule Creator, Bill BengenMichael Kitces' Interview on FIRE and the 4% RuleThe “Mile High FI” Podcast1,500 Days to FreedomConnect with Carl on BiggerPocketsSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this solo episode I discuss the importance of starting within ourselves when it comes to our life and financial journeys. Challenging the dreams and goals we've created or wish to create is the first and most vital part of being intentional with designing a life you want to live.  While numbers are certainly important, at the end of the day, they aren't what truly matters. If you're looking for actionable ways to map out the life you want to live, give this episode a listen. In this episode I discuss: 2 Exercises to narrow down what you want your life to look like  Why the why is more important than the financial numbers The importance of finding what makes you happy now  How living without self-judgment and shame can elevate your life + more Other related blog posts/links mentioned in this episode: https://tim.blog/2017/01/12/how-to-design-a-life-debbie-millman/ https://www.designmattersmedia.com https://www.kinderinstitute.com Join the waitlist for my signature course, Map Your Way To Financial Independence, here. Check out my new personal website here. Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 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. 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

Are we all feeling good about our finances in here? Because listen: Money is not a man's game. It can be so empowering to take control of your finances – and while it may not be sexy, it doesn't have to be difficult either. You deserve the life you want, but for most of us, that means boosting our net worth a bit first. That's where Miss Independent herself comes in. Nicole Lapin, our favorite rich bitch, is back on the pod to enlighten and educate us all on the path to financial independence.  We get into some of the nitty-gritty details like, hello, what is a brokerage? And why it's okay to play with NFTs – as long as it's with money you're prepared to lose.  She also dives into homeownership, dipping a toe into the investing world, and whether you really need to stress over scams or market crashes. Get ready to grow your wealth to levels you've never dreamed of. This is an important episode that you won't want to miss. We also talk about: Feelings that come up around your birthday Mental roadblocks to financial literacy How to start investing when you're working paycheck to paycheck Systems for consistency Whether or not you should fear a market crash How to approach financial goals Crypto and NFTs Investment scams to avoid Advice around home buying Resources: https://nicolelapin.com/ (nicolelapin.com) Read: https://nicolelapin.com/product/miss-independent/ (Miss Independent) Read: https://nicolelapin.com/product/rich-bitch/ (Rich Bitch) Instagram: https://www.instagram.com/nicolelapin/?hl=en (@nicolelapin) Join our community: http://almost30.com/membership (almost30.com/membership) https://www.facebook.com/Almost30podcast/groups (facebook.com/Almost30podcast/groups) Podcast disclaimer can be found by visiting: https://almost30.com/disclaimer (almost30.com/disclaimer).  Find more to love at http://almost30.com/ (almost30.com)! Almost 30 is edited by http://crate.media (Crate Media). Mentioned in this episode: Daily Harvest https://almost30.captivate.fm/daily-harvest (Go to dailyharvest.com/almost30 to get up to $40 off your first box.) Issuu https://almost30.captivate.fm/issuu (Get started for free or get 50% off a premium account at issuu.com/podcast and use code ALMOST30) Hum Nutrition https://almost30.captivate.fm/hum-nutrition (Visit humnutrition.com and use code ALMOST30 for 20% off your first purchase of $29 or more) Milk & Honey https://almost30.captivate.fm/milk-and-honey (Visit milkandhoney.com and use code ALMOST30 for 20% off your next order or get 20% off your first spa service at any location)