Podcasts about financially prepare

This episode introduces the rent replacement strategy as a powerful mindset shift for first-time homebuyers. In part one of the First-Time Homebuyer Playbook, David Sidoni lays out the essential mindset every buyer needs before they ever look at a home: the rent replacement strategy. Rather than comparing rent and mortgage as separate costs, David explains how your rent can—and should—be replaced with a fixed, wealth-building home payment. The episode challenges the fear of becoming “house poor” by breaking down the math of equity growth, tax benefits, and long-term stability. This is the playbook to avoid financial regret and take real control of your housing future. “Renting is about survival. Owning a home is about growth.” Highlights What is the rent replacement strategy, and how can it help you afford a home?Why do so many renters regret not buying sooner?How does understanding full financial math debunk the fear of being house poor?What low down payment options and strategies can first-time buyers use today? Referenced Episodes355 – Real Answers Pt 4: Should I Rent or Buy in 2025?415 – Financially Prepare to Buy Your First Home 2.0 - Pt. 1423 – Using Your 401(k) - Financially Prepare to Buy Your First Home - Pt. 6435 – 2026 Ultimate First Time Homebuyer Guide: What's Next for Housing? (Forecast, Predictions & Tips to Prepare)198 – PMI Is a Privilege216 – PMI Is Still A Privilege And Still Not The DevilConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Think you need $50K to buy a home? Think again — this episode shows the truth they're not telling you.First-time homebuyer numbers just hit record lows, but the real cause isn't high prices — it's bad guidance. In this episode, David reveals the proven, low-down-payment strategy that's been hidden from buyers for years. It's not new, and it's not complicated — it's just not profitable for the industry. You'll learn how to build a custom plan based on your budget, not their sales pitch.“Millions of perfectly capable first-time homebuyers are left in the dark. That sucks.” HIGHLIGHTSThe #1 reason first-time buyer rates are collapsing in 2025How the system profits from keeping you in the darkRent replacement math: your secret weapon to plan smartWhy “affordability” myths stop people who could be buying right nowREFERENCED EPISODES400: Introduction: How to Buy a Home Starter Series (START HERE)180: Online Mortgage Calculators Are GARBAGE – Here's Why300: Final Episode Transcript370: The Truth About Tax Breaks for First-Time Buyers – INTERVIEW355: Real Answers Pt 4: Should I Rent or Buy in 2025?Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Can your 401(k) help you stop renting and buy a home sooner?This episode unpacks a controversial—but often misunderstood—strategy for first-time homebuyers: using your 401(k) to fund your down payment. David Sidoni breaks down how this can be done safely, why it may actually support your retirement, and how smart planning can help you enter the market sooner without sacrificing your future.“When done right, this move strengthens both your now and your future.”Highlights:Why using your 401(k) isn't necessarily “robbing your future”How 401(k) loans work—and why lenders often don't count them against youThe rent replacement strategy and how it supports long-term wealthWhy entering the market sooner could be smarter than waitingReferenced Episodes400 - Introduction: How to Buy a Home Starter Series (START HERE)388 - The Playbook VOL. 1 - The Rent Replacement Strategy355 - Real Answers Pt 4: Should I Rent or Buy in 2025?198 - PMI Is a Privilege216 - PMI Is Still A Privilege And Still Not The Devil401K Interviews369 - INTERVIEW: From Fear to First Home: How Regina Bought Solo in Her 40s273 - Buying a Home in 11 Days! Single Mom Becomes Atlanta Homeowner (Interview)163 - Let's Hear From Another REAL Home Buyer: Amber's Story161 - Achieving The American Dream: An Interview With Sally135 - Interview With First Timers In One Of The Most Expensive Areas - Buying Without 20% Down Payment113 - Interview With A Single, Female First-Time Home Buyer In 2022Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Student loans aren't stopping you from buying a home — bad advice is. This episode reveals how to navigate mortgage approval with student debt and turn your loan burden into a homeownership advantage.Think your student loans mean you can't buy a home? Think again. In this episode, David Sidoni breaks down how banks actually evaluate borrowers with student debt — and why your total loan amount is way less important than your monthly payment. You'll learn how income-driven repayment plans and debt-to-income ratios really work, what myths are holding renters back, and how owning a home could help you kill that student loan faster. It's not just possible — it's strategic.“Student loans don't stop you from buying a home — not understanding how the system works does.”HighlightsThe total amount of student debt doesn't matter — monthly payments do.Banks approve home loans for borrowers with debt every day.DTI (Debt-to-Income Ratio) is the key metric lenders use.Homeownership can be the best strategy to crush student loan debt.Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Learn how to cut big costs, stay on budget, and reach your homeownership goal faster.Today's episode is all about prioritizing your financial decisions to support your homebuying journey. Host David Sidoni breaks down why skipping your daily coffee won't cut it—but skipping that new car just might make all the difference. You'll learn how to rethink large expenses, why practicing rent replacement now can make you mortgage-ready later, and how to maintain momentum even when your timeline feels long. It's a wake-up call for anyone who's serious about becoming a homeowner—without feeling broke or burned out in the process.David shares real strategies from buyers who stayed on track by focusing on the right sacrifices, embracing lifestyle budgeting, and continuing those habits even after moving in. If you've been saving but still feel behind, or if you're wondering what to cut without giving up your sanity, this episode is for you.“One less quad venti no-whip isn't going to get you across the finish line. But skipping that new car just might.”Highlight:Why skipping small luxuries won't help—but cutting big expenses willHow to practice living on your future mortgage before you buySmart budgeting tips that continue to pay off even after closingWhy an emergency fund is essential to stay confident as a homeownerReferenced Episodes:388 – The Playbook VOL. 1 - The Rent Replacement Strategy355 – Real Answers Pt 4: Should I Rent or Buy in 2025?328 – 2025 Homebuying Action Steps - 10 Real Estate Pro Tips319 – Condo vs. Townhome vs. House – Which One is Right for You?207 – How to Save and Plan for a Down Payment145 – Rebalancing Your Budget After Closing400 – How to Buy a Home Starter Series (Start Here)287 – The “Secret” Downpayment Assistance ProgramConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Whether you're a year out or just starting to think about buying, these 8 tips will help you lay the groundwork — no pressure, no overwhelm, just smart moves to set yourself up right. Not sure where to start your homebuying journey? In Part 3 of our financial prep series, David lays out 8 high-impact tips for first-time buyers — the exact things he'd tell a friend or family member who wants to buy in the next year or two. These are not one-size-fits-all steps. Instead, they're practical strategies that can give you a serious edge when you're ready to get serious. You'll learn how to automate your savings, build a basic emergency fund, test-drive a homeowner budget, and prep your credit score. David explains why doing the right things in the right order — before you even look at homes — can save you time, stress, and thousands of dollars when it counts most. “If you're still a year out, this is exactly the stuff that gets you ready the smart way — without wasting time or money.” Highlights: A full 8-tip roadmap to help future buyers get aheadHow to start saving without feeling deprivedWhy building a basic emergency fund is part of the planTools and apps to simplify your budgetHow to “practice” your mortgage before you own oneThe truth about credit report errors (and how long fixes take)What to prioritize now vs. later in your timelineDavid's real-world advice to his own family about where to startReferenced Episodes400 - Introduction to the How to Buy a Home 10 steps403 - How to Buy a Home - Step 3: Improving Your Credit Score (16 Pro Tips)315 - How a 20-Year-Old Outsmarted the Market—And How You Can Too UNICORN INTERVIEW358 - INTERVIEW: How to Buy a Duplex at 22 with $12K Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Learn how to turn your budget into a strategic homebuying tool. Whether you're brand new to saving or ready to fine-tune your plan, this is your playbook for building confidence with your money.If you want to prepare financially to buy a home, your budget should be your power tool. In this financial prep replay episode, David Sidoni, a nationwide homebuying coach walks through the best budgeting frameworks for renters who are ready to become owners and how to pick the right app for your lifestyle. David gives you the TOP 5 budgeting apps for 2025 and gives two bonus options for spreadsheet lovers. He also flags the common mistakes and predatory traps that first-time buyers need to avoid when choosing budgeting tools. "A budget is a tool to afford more of what you love." Highlights:Why budgeting is about empowerment, not deprivationHow zero-based budgeting gives every dollar a jobThe 50/30/20 rule as a starting point for intentional savingTop 5 budgeting apps for first-time buyers in 2025Why free budgeting apps often fall shortPredatory pitfalls to avoid when choosing financial toolsConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

How would a one-month mini-retirement benefit your mental health? I know I'm not alone in feeling burnt out these days. And while the idea of four weeks away from work—to rest, to recalibrate, to pursue a passion—might feel out of reach, Jillian Johnsrud knows firsthand how to make it happen.Jillian's book, “Retire Often,” is the culmination of everything she's learned from her own dozen short sabbaticals and from coaching hundreds of fellow mini-retirees. If you've been feeling dragged down by work stress, now is definitely the time to get inspired by Jillian's philosophy and how it's changed her life, transforming her into a middle-aged mom of five with the energy to seize every day with creativity and positivity. Start planning your first mini-retirement equipped with Jillian's advice, includingPractical considerations that make it possible;Why mini-retirements affect women differently than men;How to convince your boss to sign off;Why the American workplace shuns the idea of extended time off.Related Links:Buy the “Retire Often” book - https://retireoften.com/bookThe “Retire Often” Podcast - https://retireoften.com/podcast/Work with Jillian - https://retireoften.com/group-coaching/U.S. Bureau of Labor Statistics, “Paid Leave Benefits” - https://www.bls.gov/charts/employee-benefits/paid-leave-sick-vacation-days-by-service-requirement.htmPew Research Group, “The ‘Leisure Gap' Between Mothers and Fathers” - https://www.pewresearch.org/short-reads/2013/10/17/the-leisure-gap-between-mothers-and-fathers/Episode 501, “Four Best Practices to Navigate Layoff Anxiety & Uncertainty” - https://www.bossedup.org/podcast/episode501Episode 521, “In a Tight Job Market, Job-Hugging is on the Rise” - https://www.bossedup.org/podcast/episode521Episode 516, “The Power Pause: Rebranding the Stay-at-Home Mom” - https://www.bossedup.org/podcast/episode516Episode 468, “Disrupting Elder Care: We Need To Talk More About Working Daughters” - https://www.bossedup.org/podcast/episode468Episode 463, “A Different Approach to My Second Maternity Leave” - https://www.bossedup.org/podcast/episode463Episode 402, “How to Financially Prepare for Layoffs” - https://www.bossedup.org/podcast/episode402TAKE ACTION with Bossed Up - https://www.bossedup.org/takeactionBossed Up Courage Community - https://www.facebook.com/groups/927776673968737/Bossed Up LinkedIn Group - https://www.linkedin.com/groups/7071888/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

In this episode of Women Talk Money, we dive into strategies for financially preparing for the upcoming holiday season. We'll talk about how to avoid the last-minute holiday rush and focus on what truly makes the season enjoyable. Reflecting on memorable moments from past holidays can help recreate or avoid certain experiences. 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 ⁠⁠⁠⁠⁠@aquranicholson⁠⁠⁠⁠⁠. 

Think you need 20% down to buy a home? Think again. In Step 5 of the 10-Step How to Buy a Home System, David Sidoni breaks down how much you really need to save — and how to start now, even if you're juggling debt.Saving for a home is the step that scares most renters away from ever getting started. In this episode, David busts the biggest myth in homebuying — that you need a massive 20% down payment — and replaces it with a realistic, data-backed plan to get you there faster.You'll learn the simple formula to estimate your goal: 8% of your home's price (5% down + 3% closing costs). That's the true, conservative number for most first-time buyers — and for many, it can be even less.David walks through how real buyers used creative strategies and pro guidance to shrink their out-of-pocket costs to as little as 1–5%. From zero-down loans to grants and seller credits, this episode shows how working with a Unicorn Team early opens doors you didn't know existed.You'll also hear real-world examples like Nick (Episode 399), who expected to need tens of thousands for closing — but ended up bringing only $4,000 to the table and even got money back.The key message: Don't wait until you think you've saved “enough.” Waiting costs you time, opportunity, and money. Learn how to plan smart, start early, and move forward with confidence.“If you think you need 20% down, you're already behind the truth. Most first-time buyers use 3.5% or 5%, and some even less. Waiting to ‘save enough' could cost you thousands.”HighlightsMyth Busted: Only 8–9% down is typical for first-time buyers — not 20%.Your Real Goal: Start with the 8% formula (5% down + 3% closing costs).Example: $400,000 home = $32,000 total savings target.Start Early: Work with a Unicorn Team before you hit your goal — they'll help you find options that reduce how much you need.Buyer Story: Nick (Ep. 399) bought with just $4K out-of-pocket — and got a refund check.Options That Work: 3.5% FHA loans, down payment assistance, seller credits, and even 0% down programs.Emotional Truth: Stop assuming homeownership is out of reach. Education and strategy make it possible sooner than you think.Referenced Episodes388 – The Playbook Vol. 1: The Rent Replacement Strategy389 – The Playbook Vol. 2: Your Last Lease Ever348 – How Much Do You Really Need for Closing Day?399 – The Real Value of Buying: What Nick Gained Beyond a Mortgage380 – This Should Have Been Impossible – But Rosie Actually Did It (Interview)189 – VA Loans: Bad for Buyers or a Christmas Miracle?358 – Interview: How to Buy a Duplex at 22 with $12K321 – Buying in a High-Cost Area – Long Island, NY (Interview)121 – When to Back Out of the Deal – Interview with a First-Time Buyer113 – Interview with a Single Female First-Time Home Buyer in 202275 – Inspection Red Flags, New Tips for 2022 Bidding Wars, and To Wait or Not to Wait?58 – How to Use Your Retirement Savings to Buy Your First Home the Safe Way22 – How to Financially Prepare to Buy Your First Home – Part IV273 – Buying a Home in 11 Days! Single Mom Becomes Atlanta Homeowner (Interview)19 – How to Financially Prepare to Buy Your First Home – Part I371 – Top Budgeting Apps for First-Time Buyers in 2025381 – Saving While in Debt: How Much Do First-Time Buyers Really Need in 2025?194 – Interview – Making the Impossible Purchase Possible169 – Woman Power: This Single Woman Bought Her First Home239 – Interview: Using the VA Loan for Zero Down161 – Achieving the American Dream: An Interview with Sally7 – First-Time Home Buyer – 1, 2, 3Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and con

Don't just brace for a recession, prepare to come out stronger. This conversation is about turning Canada's economic uncertainty into an opportunity for financial growth (or, at least, stability). We'll equip you with proactive strategies for managing debt, finding new income streams, and building a mindset of resilience. Learn how to take decisive control of your financial future, no matter what the economy throws at you. (00:00) – Prediction: How We Knew a Recession Was Coming  (02:30) – Rising Costs & Reduced Work Hours Impacting Households  (04:00) – Forecast: Hitting Recession Thresholds by End of Summer  (05:30) – Managing Money vs. Managing Debt: Good Times vs. Bad  (07:45) – First Steps When You Feel Financial Pressure  (11:00) – Side Hustles 101: Pros & Cons of Supplemental Income  (14:00) – Leveraging Networks & Community Support  (15:45) – How to Start (and Grow) an Emergency Fund  (18:00) – Recession-Proofing Strategies for Homeowners  (19:15) – Top Tips for Canadians in Debt as Recession Hits  (27:00) – Building Mental Resilience & Setting Realistic Goals  Reducing Tax Debt in Ontario Planning For Retirement When You Have Debt Why You Absolutely Need An Emergency Fund Sign Up For The Monthly Debt Free Digest Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.  

Are you thinking about making the leap from a W2 job to being self-employed? Do you want to start your own business on the side while still working as a clinician? Are you ready to build your own business and become an entrepreneur?If so, then today's episode is for you! I have Caleb Pepperday, Certified Financial Planner and Chartered Financial Consultant as my guest. Caleb is back to discuss his own journey from W2 employee to self-employed entrepreneur, including pitfalls and lessons learned along the way. Caleb doesn't sugarcoat the life of an entrepreneur, but he does discuss the many benefits of starting and running your own business. Whether you're looking to join the world of entrepreneurship or looking to make another type of income change, like transitioning to part-time or switching to a lower paying job to avoid burnout, this episode will guide you through the steps you need to take in order to have a solid financial foundation before making that change. FREE RESOURCE

How do you manage the stress of looming layoffs? Last month, layoffs across the U.S. rose an astonishing 205% compared to March of last year, for a total of 275,240 job cuts. Stats like these mean layoffs are top of mind for many people these days. You might be finding yourself in limbo right now, wondering if you're next on the list to receive a pink slip. There's no question that a concern like that is a major contributor to our overall stress and mental health. The psychological and emotional impact that comes with layoffs is huge, so today, I'm resharing a 2022 episode updated for 2025 with practical strategies for how to address the overall worry that your job is next on the chopping block.Keep your head on straight in this endlessly swerving era with concrete action steps, includingWhy planning ahead beats burying your head in the sand;The vital importance of prioritizing your mental health;How phoning a friend will help keep your feet on the ground;What your past resilience can teach you about your situation right now.Related Links:Episode 68, I Got Fired—Help! - https://www.bossedup.org/podcast/episode68Episode 402, How to Financially Prepare for Layoffs - https://www.bossedup.org/podcast/episode402Episode 457, How to Explain Your Layoff in a Job Interview - https://www.bossedup.org/podcast/episode457Episode 500, How to Stand Out in a Competitive Job Market - https://www.bossedup.org/podcast/episode500Working Identity: Unconventional Strategies for Reinventing Your Career by Herminia Ibarra - https://herminiaibarra.com/working-identity-book/Reuters, US announced job cuts surge in March on Doge hit, recruitment firm Challenger says - https://www.reuters.com/markets/us/us-announced-job-cuts-surge-march-doge-hit-recruitment-firm-challenger-says-2025-04-03/CNBC, U.S. payrolls rose by 228,000 in March, but unemployment rate increases to 4.2% - https://www.cnbc.com/2025/04/04/jobs-report-march-2025-.htmlHIRED: our Job Search Accelerator - https://www.bossedup.org/gethiredBossed Up Courage Community - https://www.facebook.com/groups/927776673968737/Bossed Up LinkedIn Group - https://www.linkedin.com/groups/7071888/

How to Financially Prepare for a Smooth & Stress-Free Transition to Part-Time WorkDreaming of part-time work but worried about the financial impact? In this episode, we're breaking down the 5 essential financial checkpoints you must review before cutting back your hours. From managing debt and budgeting smartly to evaluating your emergency fund and retirement contributions, you'll get a step-by-step checklist to ensure your pivot to part-time is sustainable—not stressful. Tracy shares personal stories, practical strategies, and negotiation tips to help you make a confident and empowered transition. Plus, discover how to test your budget, protect your benefits, and plan for peace of mind. Don't miss the free guide and exclusive invite to the Part-Time Pathway coaching program to help you make the leap with clarity.

Having a baby is expensive! So, how can we prepare for the expected and unexpected costs that come with having a child? In this episode of Yoga| Birth| Babies I speak with financial educator and founder of Smart Money Mamas Chelsea Brennan. From getting a clear picture of your current financial state, to understanding how to prioritize and prepare for baby expenses, Chelsea gives simple exercises that will help you understand your family money values, how to choose a money mantra, and how to prepare for the many expenses that come along with parenthood. I suggest you grab something to take notes with when you listen to this episode, I know I did! Get the most out of each episode by checking out the show notes with links, resources and other related podcasts at: prenatalyogacenter.com Don't forget to grab your FREE guide, 5 Simple Solutions to the Most Common Pregnancy Pains HERE  If you love what you've been listening to, please leave a rating and review! Yoga| Birth|Babies (Apple) or on Spotify! To connect with Deb and the PYC Community:  Instagram & Facebook: @prenatalyogacenter Youtube: Prenatal Yoga Center Learn more about your ad choices. Visit megaphone.fm/adchoices

Tired of spending your money on rent or stashing it in a traditional savings account? You could make your money work harder for you and get on the path to financial freedom with real estate investing. Today, we're going to show you exactly how to buy your first rental property in 2025, step by step! Despite rising home prices and high interest rates, now is an ideal time for new investors to buy real estate, as they face less competition and have even more leverage. So, in this episode, Ashley and Tony are going to show you seven steps that will get you off the sidelines and into the game! First, we'll help you lay a foundation for investing. You'll not only need to get your financial house in order but also set clear investing goals, determine your purchasing power, and choose your investing strategy. You'll also learn how to do things like find a lender, choose your market, and assemble your investing team. Then, we'll start looking at deals! We'll share how to build your buy box, analyze properties, and negotiate with sellers. Most importantly, we'll teach you the right way to build your business so that you succeed today AND as you scale your real estate portfolio! In This Episode We Cover: How to buy your first rental property in 2025 (step by step) Why NOW is the perfect time for new investors to get into real estate The three things you must do before buying an investment property How to create your “buy box” and start analyzing rental properties The value of building relationships with small, local banks and credit unions Must-have systems and processes for your real estate business And So Much More! Links from the Show Ashley's BiggerPockets Profile Tony's BiggerPockets Profile Join BiggerPockets for FREE Real Estate Rookie Facebook Group Real Estate Rookie YouTube Follow Real Estate Rookie on Instagram Ask Your Question for a Future Rookie Reply “Like” Real Estate Rookie on Facebook The Rookie's Cheat Sheet for Market Research (Find Where to Invest in 2024) Real Estate Investing Resources Property Buy Box Worksheet How to Financially Prepare to Buy Your First Rental Property (7 Steps)  Follow Real Estate Rookie on Instagram Pick Up Ashley's Book “Real Estate Rookie” Sign Up for the Real Estate Rookie Newsletter Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders Real Estate Rookie 523 - The “Secret Sauce” for Buying Rental Properties BELOW Market Value (00:00) Intro (00:36) Why Real Estate? (04:49) Step 1. Lay the Foundation (09:25) Step 2. Talk to a Lender (11:27) Step 3. Choose Your Market (14:59) Step 4. Build Out Your Team (18:49) Step 5. Create Your Buy Box (25:03) Step 6. Make an Offer (31:53) Step 7. Prepare for Closing (33:56) Find Your NEXT Deal! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/rookie-534 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com.  Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Tactical Living Podcast, hosts Coach Ashlie Walton and Sergeant Clint Walton unpack the powerful meaning behind the quote: "Dig the well before the water runs dry." Learn the importance of being prepared (Amazon Affiliate) for all of life's unexpected events.  As first responders, you train for the worst-case scenarios, always prepared to react at a moment's notice. But what about your own life? Too often, preparation for health, finances, relationships, and personal growth is put off until a crisis forces it into focus. This episode explores five practical ways you can start preparing for your future now—before you're forced to. We also reference Robert F. Kennedy Jr.'s impactful words: "Healthy people have a million wishes, but a sick person only has one." Don't wait until the water runs dry—start digging your well today. 1. The Importance of Preparation Before Crisis Hits Understand why waiting until things fall apart—whether it's your health, finances, or emotional well-being—isn't an option for first responders. 2. Five Practical Ways to Prepare for Your Future Now: 1. Prioritize Your Health Before You're Forced To Example: It's easy to take your strength and endurance for granted—until an injury, illness, or stress-related condition takes you off the job. Why It Matters: Neglecting physical and mental health today could cost you your career, mobility, or even your life down the road. How to Prepare Now: Get regular checkups and listen to your body. Make sleep, diet, and exercise non-negotiable. Address mental health proactively—don't wait until you're breaking down. 2. Financially Prepare for the Day You Hang Up the Uniform Example: Many first responders live paycheck to paycheck, assuming their pension will be enough—until retirement arrives and they realize they're unprepared. Why It Matters: Unexpected expenses, medical emergencies, or job loss can derail even the most stable career. How to Prepare Now: Set up a second income stream—invest, start a side business, or develop a skill. Build an emergency fund for unexpected costs. Learn about retirement options and make sure you're investing early. 3. Strengthen Relationships Before You Need Them Example: Many first responders pour so much into work that family and friendships take a backseat—until they need support, and it's not there. Why It Matters: Isolation can be devastating when you're struggling with injury, job loss, or emotional burnout. How to Prepare Now: Prioritize date nights and family time—small efforts matter. Stay connected with old friends and mentors. Seek peer support and healthy friendships outside of work. 4. Mentally Prepare for Life After the Badge Example: Retirement or career changes can hit harder than expected, leading to identity crises or feelings of purposelessness. Why It Matters: Having a plan for what's next keeps you motivated and engaged in life. How to Prepare Now: Start thinking about what your purpose will be after law enforcement. Develop new skills and interests outside of work. Consider mentorship, coaching, or writing to pass on your experience. 5. Develop a Backup Plan for Every Major Area of Your Life Example: If something unexpected happens—injury, lawsuits, department changes, or economic downturns—will you be ready? Why It Matters: Those who prepare for uncertainty handle adversity better and recover faster. How to Prepare Now: Keep your resume updated and be ready to pivot. Stay educated on policy changes, pensions, and department shifts. Have an exit strategy—don't let the job define your entire future. 3. How Prepared Are You Right Now? Take a moment to reflect: If life threw you a curveball today, would you be ready? 4. The Difference Between Those Who Thrive and Those Who Struggle Learn why first responders who prepare ahead of time are the ones who handle life's biggest challenges with resilience and confidence. 5. Why the Best Time to Prepare is Today Discover small, actionable steps you can take right now to protect your future. Why This Matters: Waiting until your health fails, finances collapse, or relationships strain is too late. The best way to ensure stability and success in your future is to prepare for it today. Listen now to learn how to dig your well—before the water runs dry.

In this episode, we discuss eight specific money steps you should take as you get ready to have a child. Plus, an exciting personal annoucement that may or may not be related to the episode topic! Have questions or want to schedule a free breakthrough session? Email bill@pacesetterplanning.com

Welcoming a new baby into your life is an exciting journey, but it can also bring financial challenges. Whether you're expecting, planning to grow your family, or currently have kids, they all have different financial needs. In this episode of Wise Money, we're breaking the journey into 3 stages—pregnancy, maternity (the first 3 months), and life with a child—and guiding you through the essential financial planning strategies for each stage. Season 10, Episode 20 Schedule a meeting with one of our CERTIFIED FINANCIAL PLANNERS™: https://www.korhorn.com/contact-korhorn-financial-advisors/ or call 574-247-5898.   Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow Listen on podcast: https://link.chtbl.com/WiseMoney  Watch this episode on YouTube: https://youtu.be/QexBgGn94PQ  Submit a question for the show: https://www.korhorn.com/ask-a-question/   Read the Wise Money Blog: https://www.korhorn.com/wise-money-blog/    Connect with us: Facebook - https://www.facebook.com/WiseMoneyShow  Instagram - https://www.instagram.com/wisemoneyshow/    Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP® and Joshua Gregory, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results. Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

We understand that as a Black entrepreneur, your business is your lifeline, your passion, and your source of financial freedom. But what happens when the unexpected strikes—like a sudden disability? Too often, these scenarios are overlooked in entrepreneurial planning, leaving business owners financially vulnerable. This episode dives into an essential yet rarely discussed topic: how to financially prepare your business for a sudden disability. We explore why planning for disabilities is critical for long-term business success and financial security, especially for Black entrepreneurs who often face unique challenges in accessing resources and support. Tanya Taylor, a seasoned financial coach and wealth expert, brings her personal experiences and professional insights to the conversation. With over two decades of experience, Tanya has seen firsthand the devastating impact of financial unpreparedness—and she's here to equip you with the tools and strategies to safeguard your business and finances against the unexpected.   DURING THIS EPISODE YOU'LL LEARN: What a sudden disability could mean for your business and why preparation is essential. How to identify and mitigate the financial risks of a disability through proper planning. The importance of disability insurance and how to choose the right policy for your needs. How to create an emergency fund specifically tailored for disability-related challenges. Practical steps for navigating the emotional and mental challenges of sudden disabilities.   Don't miss out on the resources mentioned in this episode by checking out the show notes at blacktobusiness.com/229   Thank you so much for listening! Please support us by simply rating and reviewing our podcast!   Got a question? We'd love to answer it in an upcoming Q&A. Simply record your quick question → https://blacktobusiness.com/QA    Connect with us on Instagram:  https://www.instagram.com/blacktobusiness/    Don't miss an update! Sign up for our weekly newsletter: https://blacktobusiness.com/mailinglist

Whether you're just starting to consider divorce or already in the thick of it, financial preparation is key to setting yourself up for a stable future. Join Rebecca as she talks about understanding your assets to planning a realistic budget, She'll cover practical steps to help you take control of your financial future. Stay tuned—because knowledge is power, and you deserve clarity and confidence as you move forward. ____________________________________________________________________ Check out my FREE Live webinar, the OUTSMART A NARCISSIST A 4-STEP PROVEN PLAN To Take Your Power Back RIGHT HERE Learn more about the SLAY Your Negotiation with Narcissists program right here:  https://slay.rebeccazung.com/slay-it-now-a ___________________________________ _________________________________ For more information on REBECCA ZUNG, ESQ. visit her website www.rebeccazung.com and follow her on Instagram: @rebeccazung and YouTube!  GRAB YOUR FREE CRUSH MY NEGOTIATION PREP WORKSHEET RIGHT HERE!  SUBSCRIBE TO MY YOUTUBE CHANNEL RIGHT HERE. Learn more about your ad choices. Visit megaphone.fm/adchoices

"​​​​My wife and I are expecting a baby in March next year. She makes a significant part of our income and will be on maternity leave for about 3 months. What is the best way for us to prepare financially?" We'll walk you through that question and more in today's Q&A episode! Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship to the next level: become a client Subscribe on YouTube for early access and go beyond the podcast Connect with us on social media for more content Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

In today's MoneyWatch, CBS News business analyst Jill Schlesinger shares advice on preparing for natural disasters, unexpected events.Erik and Lyle Menendez have each served 34 years in their life sentence after being convicted of the 1989 murder of their parents. Now, the Los Angeles district attorney is reviewing the murder case amid new evidence.In 2021, Trashelle Odom accused Trump ally Corey Lewandowski of assaulting and stalking her at a Las Vegas charity event. Lewandowski was charged with misdemeanor battery and reached an agreement with prosecutors to drop the charges. Odom, the ex-wife of a wealthy GOP donor, said she felt compelled to share her story with CBS News after learning about Lewandowski's return to the Trump campaign ahead of the November election.In honor of National Hispanic Heritage Month, Amazon Books Editorial Director Sarah Gelman joins "CBS Mornings" to highlight books that delve into Hispanic culture and offer powerful storytelling.Veteran journalist Chris Wallace joins "CBS Mornings" to talk about his new book, "Countdown 1960," which gives an inside look at the campaigns of John F. Kennedy and Richard Nixon.In today's installment of "Kindness 101," Steve Hartman and his children explore the power of love. They introduce us to a couple whose enduring bond proves that a full heart can help navigate life's toughest challenges.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Divorce is painful and daunting, but a supportive financial team helps handle the details so you can care for yourself. In this episode, Mac and Andrew offer strategies for navigating the financial aspects of divorce. They take you through organizing your financial documents, understanding asset division, and planning for post-divorce financial independence. This episode equips you with practical insights to approach divorce proceedings with clarity and foresight. Tune in for expert guidance tailored to empower your financial decisions, and don't forget to subscribe so you don't miss any of season 4!

 Although having a pet can be extremely fulfilling, it is crucial to understand the financial commitments that come with pet ownership, and to decide whether taking on that responsibility is right for you. In today's episode, Stacey discusses the expenses of pet ownership and how to be financially prepared for your furry friends! Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis TN 38137. (901) 422-7526, This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

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If one of your biggest financial goals is to buy a house, this episode will break down exactly how to prepare to walk into homeownership feeling confident and financially prepared. I walk you through the 5 steps I personally did when buying a home. Book a free consult call here to join 1:1 money coaching.

We're always told how expensive children are once you have them—but how do you prepare for them financially before they're here? How should you adapt or shift your budget when it comes to doctor's visits, insurance policies, TTC tools, and more? Welcome back to #RichGirlRoundup, Money with Katie's weekly segment where Katie and MWK's Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week. Reminder: This is not financial advice; we are not certified financial professionals—please do your own due diligence. Transcript, show resources, production credits, and more can be found at: https://moneywithkatie.com/cost-of-children 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 2618: Amy Beardsley offers vital guidance for new and expectant parents on managing finances in the face of a growing family. Her article outlines pragmatic steps to ensure financial stability, including understanding your current financial situation, preparing for baby-related expenses, planning for medical costs, considering maternity leave options, establishing an emergency fund, securing life insurance, and creating an estate plan. These tips aim to ease the transition into parenthood, ensuring focus remains on the joy of family growth rather than financial stress. Read along with the original article(s) here: https://smartmoneymamas.com/prepare-for-new-baby/ Quotes to ponder: "When growing your family, the more solid your financial plan, the easier it will be to transition to this new way of life." Episode references: Family Medical Leave Act (FMLA): [https://www.dol.gov/agencies/whd/fmla] Term Life Insurance Information: [https://www.investopedia.com/terms/t/termlife.asp] 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 2618: Amy Beardsley offers vital guidance for new and expectant parents on managing finances in the face of a growing family. Her article outlines pragmatic steps to ensure financial stability, including understanding your current financial situation, preparing for baby-related expenses, planning for medical costs, considering maternity leave options, establishing an emergency fund, securing life insurance, and creating an estate plan. These tips aim to ease the transition into parenthood, ensuring focus remains on the joy of family growth rather than financial stress. Read along with the original article(s) here: https://smartmoneymamas.com/prepare-for-new-baby/ Quotes to ponder: "When growing your family, the more solid your financial plan, the easier it will be to transition to this new way of life." Episode references: Family Medical Leave Act (FMLA): [https://www.dol.gov/agencies/whd/fmla] Term Life Insurance Information: [https://www.investopedia.com/terms/t/termlife.asp] 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 2618: Amy Beardsley offers vital guidance for new and expectant parents on managing finances in the face of a growing family. Her article outlines pragmatic steps to ensure financial stability, including understanding your current financial situation, preparing for baby-related expenses, planning for medical costs, considering maternity leave options, establishing an emergency fund, securing life insurance, and creating an estate plan. These tips aim to ease the transition into parenthood, ensuring focus remains on the joy of family growth rather than financial stress. Read along with the original article(s) here: https://smartmoneymamas.com/prepare-for-new-baby/ Quotes to ponder: "When growing your family, the more solid your financial plan, the easier it will be to transition to this new way of life." Episode references: Family Medical Leave Act (FMLA): [https://www.dol.gov/agencies/whd/fmla] Term Life Insurance Information: [https://www.investopedia.com/terms/t/termlife.asp] Learn more about your ad choices. Visit megaphone.fm/adchoices

In this conversation, Alli Williams shares her journey of paying off six figures of debt while still saving and living a fulfilling life. She emphasizes the importance of being intentional with finances and creating a budget that aligns with your values. Alli also provides practical tips for managing finances with kids and navigating financial inequality within a relationship. The key takeaways include tracking expenses, involving children in financial discussions, and not letting shame hold you back from taking control of your financial situation. TAKEAWAYSTrack your expenses and do a money audit to understand your financial situation.Involve your children in financial discussions and teach them about budgeting and saving.Don't let shame or embarrassment hold you back from taking control of your finances.Overcoming financial challenges requires discipline and strategic planning.------------------------------Links Discussed in This EpisodeOrder a Copy of Minimalist Moms: Living and Parenting with SimplicitySubstack: Minimalist Moms Podcast Connect with Alli:InstagramFree Foundations CourseWebsiteEnjoy this Podcast?Post a review and share it! If you enjoyed tuning into this podcast, then do not hesitate to write a review. You can also share this with your fellow mothers so that they can be inspired to think more and do with less. Order (or review) my book, Minimalist Moms: Living & Parenting With SimplicityQuestions? You can contact me through my website, find me on Instagram, or like The Minimalist Moms Page on Facebook.Thanks for listening! For more updates and episodes, visit the website. You may also tune in on Apple Podcasts, Spotify, Google Podcasts, or Stitcher.Checkout the Minimalist Moms Podcast storefront for recommendations from Diane.If you enjoyed today's episode of the Minimalist Moms Podcast, then hit subscribe and share it with your friends!Episode Sponsors |The Minimalist Moms Podcast would not be possible without the support of weekly sponsors. Choosing brands that I believe in is important to me. I only want to recommend brands that I believe may help you in your daily life. As always, never feel pressured into buying anything. Remember: if you don't need it, it's not a good deal!Aim7 | For a limited time, you can try AIM7 for free for 7-days and then pay just $1 for your first month by using the code MINAIM7 (all caps), on their website. Please use the link in the show notes, as this special code only works on their site: https://link.aim7.com/aim7workoutsFactor | Head to FactorMeals.com/momminimalist50 and use code MOMMINIMALIST50 to get 50% off.Our Sponsors:* Check out ByHeart and use my code MINIMALIST for a great deal: https://byheart.com/* Check out Greenlight and use my code minimalist for a great deal: https://greenlight.com/Support this podcast at — https://redcircle.com/minimalist-moms-podcast2093/exclusive-contentAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Before you jump in with your thoughts... We're well aware that "Thanksgiving isn't even here yet!" But even though Christmas is still a ways off, the best financial strategy is to plan ahead. So, dust off that Christmas budget and get ready to take some notes! Josh and Austin are about to reveal 10 tips on how to financially prepare for the holiday season. Stay tuned – you won't want to miss it!For the full transcript, links, and resources, visit theinvesteddads.com/199Sign up for our exclusive newsletter here!The Invested Dads: Website | Instagram | Facebook | Spotify | Apple Podcasts

Rae Kaplan, attorney at Kaplan Law, joins Jon Hansen on Your Money Matters to discuss student loans and next steps people should be taking to repay their loans. Then, Rae shares details for people who use the MOHELA student loan servicer, or people who had an issue with their bill, on how they could be placed […]

I think there's so much emphasis on improving your life in preparation for or at the start of a new year.  While I'm not mad about it (the Virgo in me loves a fresh start), I do think there's something super impactful about finishing a year off strong as well. If you've let the year pass you by with little motivation, then it's time to think about what you can do to finish the year off strong and prepare for the ultimate fresh start. Tomorrow is always a new day and the opportunity for a fresh start! In this episode, I'm sharing 10 things you can do to finish the year off strong and get some major momentum moving into another new year!   Here's a glance at this episode: [02:05] Raya answers the following City Girl Solutions question: “What do you think of balance transfers when trying to pay off debt?”  [06:39] Finish the year with the habit of journaling already in place. There are so many benefits that come with journaling. [12:40] Money dictates so much in our day-to-day lives. Finish the year off strong by getting a few financial loose ends tied up. [17:15] Go into the New Year with a plan for any extra raise or income you receive.   Subscribe, Rate, Review, & Follow on Apple Podcasts This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.   Resources mentioned in this episode: CGS Blog Article – 6 Tips to Help You Start Journaling Listen to Episode 52 – How to Financially Prepare for the New Year Get your question answered on the podcast! Ask your question here. Struggling with your finances? Request a call with me (and get a budget)! Follow City Girl Savings on Instagram Follow City Girl Savings on TikTok Join the City Girl Savings Facebook Group Subscribe to the City Girl Savings Newsletter!

The news is usually saturated with events that are out of everyone's control. This frequently triggers anxiety and panic. From Government shutdowns to predictions of financial turmoil, we are pulled into being invested in and accepting certain negative situations without looking at the bigger picture and realizing that there are actions we can take to financially prepare for an assortment of situations and outcomes.A well-diversified portfolio that is structured to meet and protect your critical priorities will shield you from the uncertainties that life and financial markets can throw your way. It's essential to plan and prepare, instead of sitting back and predicting. Have questions for an upcoming episode? Want to get free resources, book giveaways, and AWM gear? Want to hear about when we release new episodes? Text “insights” or the lightbulb emoji (

On this week's episode I have the pleasure of interviewing Monique White, Head of Community at Self Financial. Monique shares how parents can manage their finances and utilize credit during a time of heightened financial stress and economic instability for many, and why building credit is crucial to achieve financial goals. The back-to-school season is a perfect time to revisit your budget, and get organized before heading into the holiday season, especially as many prepare to resume student loan payments. You won't want to miss it!

Starting law school can be stressful, especially when it comes to understanding your new financial future. In this video, we'll walk you through some valuable tips and resources to help you manage your finances like a pro. We discuss how to create a budget tailored to your law school journey using Max PreLaw by AccessLex, a non-profit organization dedicated to supporting aspiring law students, as well as YNAB.

When faced with an uncertain, volatile economy, it makes sense that many of us are feeling anxious about the possibility of layoffs. Whether you've already been impacted personally, or are worried about the possibility of layoffs coming for you next, today's episode with financial advisor Cris Caruso will help. Related resources: HIRED: our job search accelerator - now available on demand!4 Best Practices to Navigate Layoff Anxiety & UncertaintyJoin our Courage Community on FacebookNYT coverage on non-compete clauses & current congressional action to ban themNeed an employment attorney? Check out Workplace FairnessBusiness Insider coverage on the increasing pay transparency laws on the booksWSJ: 79% of laid off tech workers are rehiredRandstad stat: before the pandemic the average job search took about 5 monthsShould you follow your passion or a paycheck?How to reach your financial goals as a womanWomen and wealth: a live podcast showWebinar: how to handle your personal finances in a crisisConnect with Cris at Savoire.comConnect with Cris on Linkedin

Overwhelmed by finances and motherhood? By the end of this episode, you will know where to begin with your money, how to navigate all of those misc. expenses that come along with pregnancy and birth and find comfort in knowing that it is through these Tough, but important conversations that we can create generational wealth and support for our family.    BIO: My name is Jen, and I am the host of the Investor Mama Podcast. I am a wife, mom, daughter, granddaughter, real estate investor, business owner, and project manager. I am an adamant reader and a consumer of content geared towards helping individuals reach financial independence. After years of learning, I thought it was about time I started producing and share my obsession with others. However, after being part of the financial independence movement for the past few years, I realized there was a gap in resources around personal finances geared towards moms. Trying to get ahead with money is one thing, trying to get ahead as a mom is whole other ball game. I started talking about money more and more with my mom friends and noticed a trend in the questions I was being asked. I didn't have all the answers but knew there were others out there who did and other successful super moms setting the example with their money. I thought to myself and said why not find them, interview them, and share their knowledge with other moms also trying to get financially ahead for their family. And so, Investor Mama was born! I believe anyone can achieve financial freedom and peace of mind by getting educated and changing their habits. I hope this podcast will be a resource and an inspiration to help you with your own money journey. Website: https://investormama.com/  Instagram: https://www.instagram.com/investor_mama/?hl=en    ___________________________________________________ MAMAS IN TRAINING: FOLLOW on Instagram: https://www.instagram.com/mamasintrainingpod/   WRITE a Review: https://podcasts.apple.com/us/podcast/id1474667560?mt=2&ls=1   JOIN our Facebook Community: https://urlgeni.us/facebook/mamasintrainingpod  

2023 is fast approaching! If I'm being honest, I absolutely LOVE this time of year. The New Year can be so inspiring and motivating. It's the best time for a fresh start and to get your momentum flowing! In this episode, I'm walking you through the things you can do to financially prepare yourself to make the most of the this season! Here's a glance at this episode: [02:16] Getting clear about your current financial situation. [05:30] The power of setting your financial goals. [08:15] Saving for your priorities and working towards what truly matters to you. Subscribe, Rate, Review, & Follow on Apple Podcasts This helps me support more people — just like you — to make the best money moves as they make their way to their dream life. Resources mentioned in this episode: The Best Way to Set Money Goals for the New Year Save with a High Yield Savings Account. Synchrony or Ally are great options! Listen to Episode 15 – My Debt Free Story and Takeaways Listen to Episode 21 – Setting up your Own Financial Filing System Download the Free Money Moves Packet Struggling with your finances? Schedule a free financial focus call with me!

Hard to believe the year is quickly coming to a close. The weather starts turning, basketball is starting, and the holiday season is upon us. It's also a great time to start thinking about getting our finances in order for the coming year. Just a few key decisions and simple actions can make all the difference in the world. In today's episode, host Travis Shelton shares 10 things we should all be doing to prepare for the awesome year ahead. If you have questions or would like to connect with us outside of the podcast, here's where you can find us: Join our podcast community: https://www.facebook.com/groups/370457478238932 Online Courses: https://www.meaningover.money YouTube: https://www.youtube.com/channel/UCasnj17-bOl_CZ0Cb9czmyQ Instagram: https://www.instagram.com/meaning_over_money Travis's Instagram: https://www.instagram.com/travis_shelton_ Travis's website: https://www.travisshelton.com E-Mail Us: meaningovermoneypodcast@gmail.com --- Send in a voice message: https://anchor.fm/meaning-over-money/message

Financially prepare for death now so you have everything in order. We're joined with Jeremy Schneider with Personal Finance Club who offers daily money and investing tips and in this episode we focus on planning for death. He explains simple specifics to focus on so you can keep everything organized for the people in our lives we leave behind. This episode is a bit of a different filled with great lessons and a new take on grief and loss in regards to preparing for our demise for the people we leave behind. Watch full episode on YouTube: https://www.youtube.com/watch?v=DfO7wRW9Cck Follow  @Personal Finance Club  for great content on money + more. Follow @DEADTalkspodcast on Instagram & @DEADTalkspodcast on TikTok.  Subscribe to DEAD Talks on YouTube, Apple Podcast, Spotify & more.  www.deadtalks.net   DEAD Talks with David Ferrugio engages death a little bit differently. Each new guest shares their experience with grieving or perspective on death in a way that shatters the “don't talk about death” taboo. Grief doesn't end, it evolves. Having lost his father on September 11th when he was 12 he learned the importance of discussion and sharing other people's stories. Grief, loss, death, mourning, trauma or whatever it may be, DEAD Talks Podcast hopes to make it a little easier to talk about. You may cry; but, you also may laugh.

Having a baby is one of the biggest - and most expensive - life changes a person can experience. Here's what you need to know about financially planning for a baby. Find out if there is a magic number that tells you you're ready, what to think about ahead of time and learn what can probably wait.

Inflation is eating away at wage increases, the Dow is down 18% for the year so far, the Fed just raised interest rates three quarters of a point and gas is over $5 a gallon. Are we headed towards a recession? Newt's guest is Michelle Singletary. She discusses her recent column, “Seven Ways You Can Financially Prepare for a Recession”. She writes the nationally syndicated personal finance column, “The Color of Money” which appears in The Washington Post on Wednesdays and Sundays. See omnystudio.com/listener for privacy information.

Audience Week continues with listener Lauren Hatchett, a 20-something year-old school teacher who wants to know how to financially prepare for her big move to New York City later this summer. It's a longtime dream for her and her husband to live in NYC, but what do they need to know about affording housing and all the other added expenses? Farnoosh weighs in with personal experience and insights. Learn more about your ad choices. Visit megaphone.fm/adchoices

With inflation as bad as it was in the 1970s-1980s, Glenn reads an article from CNBC with a few obvious tips on saving money. Glenn and Stu give some updates on Russia and its latest moves. Financial expert and author Dave Ramsey joins to discuss the Great Reset and how to financially prepare for it. Glenn takes you back to how President Nixon viewed nuclear launches and how he handled Russia. U.S. House candidate Joe Kent joins to discuss his race for Washington's 3rd Congressional District and his views on crucial issues like ESG. Glenn and Stu share some good news, including a new abortion bill to ban abortions of Down syndrome babies and more constitutional carry laws. Glenn and Stu discuss the latest on COVID. Learn more about your ad choices. Visit megaphone.fm/adchoices