Podcasts about living paycheck

Building Wealth as a Martial Arts School Owner: From Paycheck to Prosperity Podcast Summary: In this eye-opening episode, Duane Brumitt and Allie Alberigo tackle a topic often avoided by martial arts school owners: finances. From personal money mistakes to strategies for long-term wealth and retirement planning, they break down real-life stories, hard lessons, and actionable financial wisdom that every school owner needs to hear. Whether you're drowning in debt or just beginning to think about the future, this episode gives you the financial clarity and inspiration to make smarter money moves today. https://youtu.be/p3zykqRLmEU Key Takeaways: The Trap of Living Paycheck to PaycheckWhy more students won't solve your financial problems and how to break the cycle of financial stress. The Importance of Paying Yourself FirstLearn the foundational rule for building wealth and how to live below your means while doing it. Separate Business and Personal FinancesAvoid common financial chaos by treating your school like a real company — not an extension of your wallet. Create Multiple Revenue Streams Inside Your SchoolDiscover overlooked income opportunities already in your dojo, from retail to events. Shift from Self-Employed to True Business OwnerUnderstand the Cash Flow Quadrant and how to evolve from being your own employee to a wealth-building entrepreneur. Action Steps for School Owners: Open a savings account today if you don't already have one. Meet with a financial advisor and explore retirement options. Start saving at least 10% of your income—personally and for your school. Schedule a monthly “Money Meeting” with yourself (or spouse) to track and review expenses and profit. Conduct a quarterly financial audit and renegotiate your bills (like internet or phone). Final Thoughts: It's never too early—or too late—to take control of your financial future. Whether you've been teaching for 30 years or are just starting out, developing strong financial habits can mean the difference between surviving and thriving. Don't let money manage you. Build a life—and a retirement—you're proud of.

“Insanity is doing the same thing over and over again and expecting different results.” – Albert Einstein Tired of Living Paycheck to Paycheck? Break Free and Build Wealth with Smart Money Strategies! Are you trapped in debt and/or finding it hard to grow your net worth? Stop repeating the same financial mistakes and expecting different results. … Continue reading Wealth Strategies for Every Income Level | Episode 116 →

Hey Mama!    Are you sick of living paycheck to paycheck? Do you constantly search the internet for a way to dig yourself out of it? Are you ready for some consistency and extra spending dollars?    That's what you are going to find today. My number one way to budget that allows for consistent numbers in your paycheck and that wiggle room you have long been desiring. It doesn't matter how much income you bring in this system will bring you some much needed relief.    So go cuddle up with a nice warm drink, get comfy with them babies and open your heart to God as we head into today's episode.  Much Love    Molly    P.S. I am offering free Budget Audits to help you learn what it takes to fix your finances. Go to calendly.com/mollybenell and book your call today.  . . . Next Steps:  . Book your free Budget Audit  . Join The One Income Family Community  . Become a One Income Family Insider . Questions? Email me at mollybenell@gmail.com . Resources:  55. Living Paycheck to Paycheck? Put Your Bills on Autopilot to Ease the Stress 118. Having Trouble Making Ends Meet? Calculate Your Income for Success 119. Looking for Consistency? My Method to Quit Living Paycheck to Paycheck and Afford Food and Bills at the Same Time.

“A slack hand causes poverty, but the hand of the diligent makes rich.” — Proverbs 10:4At Faith and Finance, we believe the Bible offers timeless financial wisdom—and sometimes, that wisdom shows up in the form of gentle correction. Let's face it: we all make financial missteps—some intentional, others unintentional. But every mistake is an opportunity to grow in wisdom and stewardship.If you've made some poor decisions with your money, don't let Proverbs 10:4 discourage you. Instead, take heart in Proverbs 19:20:“Listen to advice and accept instruction, that you may gain wisdom in the future.”Let's walk through six money mistakes that can quietly erode your wealth—and how to avoid or correct them with diligence and wisdom.1. Living Paycheck to PaycheckOne of the most common financial traps is spending everything you earn. When there's nothing left over at the end of the month, you're missing an essential part of wise stewardship: saving.The solution? Pay yourself first.Start by setting up an automatic transfer from your checking account to your savings. Even if it's a small amount, consistency is key. Adjust your monthly spending to fit what remains. Yes, it might mean cutting back on things you've grown used to, but almost everyone can trim something from their budget.Aim to save at least 10% of your income. Over time, this will build your financial margin and peace of mind.2. Not Having an Emergency FundWithout savings, every unexpected expense becomes a crisis. And that leads to our next mistake—debt.Once you've begun setting money aside, build your emergency fund. Start with a goal of three months' worth of living expenses and work your way up to six. This financial cushion protects you from having to rely on credit when life throws a curveball.3. Paying Interest on Consumer DebtWithout savings, many people make the costly mistake of using credit cards to cover emergencies.If you carry credit card debt, the biggest mistake you can make is only paying the minimum. Take a close look at your statement—it may show how long it'll take to pay off your balance at the minimum payment. The number might shock you: 15 years or more.Reframe your spending by asking, "What is this really costing me?"A $30 dinner paid with a credit card could cost $60 or more by the time it's paid off. That's not good stewardship.4. Buying a New Car (When You Can't Afford It)There's nothing wrong with buying a new car—if you can pay cash for it. That's the key.Instead of taking on car loans, aim to pay cash for your vehicles, new or used. After you pay off your current car loan, keep making those same “payments”—but to yourself. Put them in a savings account and use that money to purchase your next car.It may take a few vehicles to get there, but eventually, you'll be able to pay cash—and that will be a glorious day.5. Not Opening a Roth IRAEspecially if you're young, not opening a Roth IRA is a missed opportunity for long-term, tax-free growth.Once your emergency fund is in place, consider contributing to a Roth IRA, even if you're already contributing to a 401(k) at work.In 2025, you can contribute up to $7,000 annually to a Roth IRA—or $8,000 if you're age 50 or older. Because you're contributing after-tax dollars, your qualified withdrawals in retirement will be tax-free.That's a powerful way to build lasting wealth.6. Buying Too Much HouseHomeownership can be a blessing, but only if approached wisely. Spending too much on a house can strain your budget, robbing you of financial flexibility and peace.A manageable mortgage, combined with consistent savings, puts you on a path toward financial stability and positions you to honor God with greater freedom and generosity.We all make mistakes with money, but we don't have to stay stuck in them. God's Word is full of grace and wisdom. When we humbly receive correction and take steps toward diligence, we grow not only in financial strength but also in spiritual maturity.So, whether you're just beginning your financial journey or recalibrating after a few missteps, remember that wisdom is always available to those who seek it.“Listen to advice and accept instruction, that you may gain wisdom in the future.” — Proverbs 19:20Let's walk in wisdom and let our money reflect our trust in the One who provides everything.On Today's Program, Rob Answers Listener Questions:I have a disabled son, and I would like to leave him some money without attorneys or the government taking it away from him. Is there a way to do that?I'm retired but still working a few days a week, and my Social Security is deducted from my paycheck. What happened to that Social Security? Do I get it later? How does it work?I have a 401(k), and I'd like to know how I can invest according to my values with the options available in it. The only options are big companies that I'd rather not invest in. Do you have any suggestions?We recently sold our house for a good profit, and I'd like to know how we tithe on it. Do we tithe on the full amount we received or only on what goes above the initial price and the interest we paid on it?I left a job and rolled my 401(k) over to my current employer's account. I also have another 401(k). Should I combine them or keep them separate? I'm also getting a car accident settlement. Should I use it to pay off my car loans and credit cards or invest it and continue making payments?I'm 58 and still working, with my house and car paid off. When is it appropriate to redo my will? Is it time to do a trust? Or when is that the wise thing to do?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineList of Faith-Based Investment FundsWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Hey Mama!    Do you feel restricted from all of the money you have tied up in debt? Are you constantly searching for ways to pay down your debt quickly? Are you ready to be free from your debt?    That's great, because that is what we are going over today. In today's episode you are going to learn how to set your budget up to pay down debt quickly without feeling restricted and without accumulating more debt.    So go cuddle up with a nice warm drink, get comfy with them babies and open your heart to God as we head into today's episode.    Much Love    Molly    P.S. I am offering free Budget Audits to help you learn what it takes to fix your finances. Go to calendly.com/mollybenell and book your call today.  . . . Next Steps:  . Book your free Budget Audit  . Join The One Income Family Community  . Become a One Income Family Insider . Questions? Email me at mollybenell@gmail.com . Resources:  55. Living Paycheck to Paycheck? Put Your Bills on Autopilot to Ease the Stress 118. Having Trouble Making Ends Meet? Calculate Your Income for Success 119. Looking for Consistency? My Method to Quit Living Paycheck to Paycheck and Afford Food and Bills at the Same Time.

Send us a textIn this episode of The Smarter Vet™ Podcast, hosts Tom Seeko and CJ Bernett dive into the financial struggles many face—especially moms living paycheck to paycheck. They explore why so many married couples aren't truly “finance married,” operating on separate financial islands that lead to inefficiencies, stress, and a lack of financial clarity.Key takeaways include the importance of open financial communication with your spouse, tracking income and expenses without guilt, setting healthy money boundaries, and prioritizing savings—even in small steps. The hosts also discuss cultural expectations, the root causes of financial disconnection, and practical steps to regain control of your finances. Plus, they share free resources to help you get started.If you're feeling financially overwhelmed, this episode is a must-listen!Discover our book “Unleashed: The Financial Clarity Every Veterinarian Needs”Buy Now: Book – Unleashed | Florida Veterinary Advisors—–Extra resources galore!Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessmentTest My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channelsFacebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Hey Mama, welcome to the one income family podcast!    Are you looking for a way out of the paycheck to paycheck lifestyle you are living? The one where one week you have 50 dollars left to your name and the next you have hundreds? Are you ready for some consistency?    Because today I am going to be sharing with you the method I use that has allowed me to stop living paycheck to paycheck and give me a constant dollar amount to work with each and every time I budget.    So go cuddle up with a nice warm drink, get comfy with them babies and open your heart to God as we head into today's episode.    Much Love    Molly    P.S. I am offering Budget Audits to help you learn what it takes to fix your finances. Go to calendly.com/mollybenell and book your call today.  . . . Next Steps:  . Book your free Budget Audit  . Join The One Income Family Community  . Become a One Income Family Insider . Questions? Email me at mollybenell@gmail.com . Resources:  Living Paycheck to Paycheck? Put Your Bills on Autopilot to Ease the Stress

Hey Mama,    Are you stressing over not being able to stick to your budget? Do you worry about the inconsistency of living paycheck to paycheck? Are you anxiously waiting for the next ball to drop, the next unexpected expense?    That is what today is all about! These 3 systems that I am going to share with you will put boundaries in place making it impossible to not stick to your budget without doing it on purpose! It will end the paycheck to paycheck lifestyle and the inconsistency, but most importantly it will put things in place to ease the pressure that unexpected expenses bring.    So go cuddle up with a nice warm drink, get comfy with them babies and open your heart to God as we head into today's episode.    Much Love    Molly    P.S. I am offering free Budget Audits to help you learn what it takes to fix your finances. Go to calendly.com/mollybenell and book your call today.  . . . Next Steps:  . Book your free Budget Audit  . Join The One Income Family Community  . Become a One Income Family Insider . Questions? Email me at mollybenell@gmail.com . Resources:  55. Living Paycheck to Paycheck? Put Your Bills on Autopilot to Ease the Stress 59. Don't Want to Track Your Money? My Simple Financial Tracking System That Takes Minutes and Keeps You on Budget 69. Ready for Some Consistency? How to Budget With Irregular Paychecks 72. Tired of Being Frugal Just to Stick To Your Budget? My Budgeting Method That Makes Sticking To Your Budget Easy! 87. Want an Easy Way to Save Money? Split Up Your Income Into These 8 Accounts.

Dr. Boyce Watkins is a world-renowned Finance PhD, author, and founder of The Black Business School. Featured on CNN, BET, The Breakfast Club, and more, he has helped millions master wealth-building strategies. His book, The 10 Commandments of Black Economic Power, is a blueprint for financial freedom. Dr. Watkins teaches stock market investing, entrepreneurship, and generational wealth daily, empowering families to break free from economic struggle. To learn from Dr. Boyce and get his free training, How to Make Money Without Working, text the word money to 87948 or visit BoyceWatkins.com.

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 3017: Many high-income earners still struggle financially, living paycheck to paycheck due to unchecked spending habits. Christina Browning of OurRichJourney.com highlights key reasons why, from overspending on housing, cars, and gadgets to financing vacations and keeping up appearances. By identifying these pitfalls and shifting toward mindful money management, financial independence becomes more attainable. Read along with the original article(s) here: https://www.ourrichjourney.com/post/the-10-reasons-why-youre-living-paycheck-to-paycheck Quotes to ponder: "You don't know where your money is going this is a pretty basic one, and can easily be solved by making a budget and tracking your expenses." "Keeping up with the Joneses is nowhere near as important as having assets and financial stability." "Vacations can cost big money! My recommendation to you: budget for your vacation, plan your vacations out ahead of time, save for your vacations, and don't go into debt over a vacation!" 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 3017: Many high-income earners still struggle financially, living paycheck to paycheck due to unchecked spending habits. Christina Browning of OurRichJourney.com highlights key reasons why, from overspending on housing, cars, and gadgets to financing vacations and keeping up appearances. By identifying these pitfalls and shifting toward mindful money management, financial independence becomes more attainable. Read along with the original article(s) here: https://www.ourrichjourney.com/post/the-10-reasons-why-youre-living-paycheck-to-paycheck Quotes to ponder: "You don't know where your money is going this is a pretty basic one, and can easily be solved by making a budget and tracking your expenses." "Keeping up with the Joneses is nowhere near as important as having assets and financial stability." "Vacations can cost big money! My recommendation to you: budget for your vacation, plan your vacations out ahead of time, save for your vacations, and don't go into debt over a vacation!" Join 250K readers (20% of which have hit 7 figures) who are already building a brighter financial future - subscribe now. Sign up at readthejoe.com/subscribe-swap 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 3017: Many high-income earners still struggle financially, living paycheck to paycheck due to unchecked spending habits. Christina Browning of OurRichJourney.com highlights key reasons why, from overspending on housing, cars, and gadgets to financing vacations and keeping up appearances. By identifying these pitfalls and shifting toward mindful money management, financial independence becomes more attainable. Read along with the original article(s) here: https://www.ourrichjourney.com/post/the-10-reasons-why-youre-living-paycheck-to-paycheck Quotes to ponder: "You don't know where your money is going this is a pretty basic one, and can easily be solved by making a budget and tracking your expenses." "Keeping up with the Joneses is nowhere near as important as having assets and financial stability." "Vacations can cost big money! My recommendation to you: budget for your vacation, plan your vacations out ahead of time, save for your vacations, and don't go into debt over a vacation!" Join 250K readers (20% of which have hit 7 figures) who are already building a brighter financial future - subscribe now. Sign up at readthejoe.com/subscribe-swap Learn more about your ad choices. Visit megaphone.fm/adchoices

Living Paycheck to Paycheck

Living Paycheck to Paycheck

About the Episode:  In the 340th episode of the Monday Money Tip Podcast, Joe and Megan uncover the true cost of living paycheck to paycheck and how it affects your financial freedom. They share practical, actionable strategies to help you escape the cycle, build an emergency fund, and plan for long-term stability. Resources: FULLY FUNDED LIFEFREE Financial Tools Fully Funded Life Free Monthly Resource Related Podcast Episodes: EPISODE 254: THE POWER OF ON-GOING COACHINGEPISODE 282: WHAT IS THE DEBT SNOWBALL TECHNIQUE? EPISODE 304: MASTERING MONEY HABITS: THE DAILY RITUALS EPISODE 309: HOW TO CREATE A BUDGET IN EXCEL  

Hey, Budget Besties! In today's episode, we're getting real about that all-too-common struggle: living paycheck-to-paycheck—even when you technically make enough money not to. If you're raising your hand (yes, we see you!), this episode is for you. We're unpacking the mindset, habits, and tools you need to ditch that feast-or-famine rollercoaster and set up a system that lets your money work for you. And guess what? This episode is available on YouTube, and it's a great one to watch because we're sharing lots of visuals, including how to create a simple, pretty budget (yes, Aaron, it's pink and teal!). Head over to our YouTube channel to check it out and see the budget magic in action. What We Covered: Think Monthly, Not Paycheckly Why we love made-up words like “paycheckly” (you're welcome). How to stop planning your life around every paycheck and start thinking in terms of your whole month. The power of a simple, bird's-eye-view budget that shows you everything at once. Automate Your Bills Account The key to making sure your bills get paid on time without you stressing about them. How to set up a dedicated “bills only” account that works like a fortress for your finances. Fund Spending Consistently Why consistent funding for groceries, gas, and personal spending is a game-changer. How automating your spending accounts can stop you from robbing your piggy bank—or couch cushions. Advanced Tips to Level Up Building a buffer to smooth out those lumpy months. Automating savings for annual expenses like HOAs, insurance, and yes, even bougie boat fees. Living within your spending accounts—because freedom comes from boundaries, not chaos. Listener Homework: Set up your bills account and automate at least one transfer. Bonus points: Start shopping your pantry or brainstorming ways to build a buffer this month. Key Stats: 78% of Americans live paycheck-to-paycheck. But how many need to? You don't have to guess. A paycheck plan can show you exactly where your money should go. Budget Bestie Wisdom:“Managing money isn't about restriction—it's about intention. A budget is just your plan for living the life you want, without the stress of wondering if the bills are covered.” Tune In Next Time:Tomorrow, we're diving into 2025 financial goal setting! Bring your dreams—big or small—and let's turn them into actionable, budget-friendly plans. Connect With Us:Have questions or want to share your homework? Email us at hello@budgetbesties.com.

2024 has been a year of shocks and surprises, before starting the new year, here is the expert knowledge you need to not just survive but financially thrive in 2025 Here are some of the essential pieces of financial knowledge for 2025:  The power of compound interest  How to break the cycle of living paycheck to paycheck Whether you should invest in cryptocurrency  How to perfect your investment strategy  The top 10 money rules  Why most people don't reach financial freedom The confidence rule for finance  00:00 Intro 01:34 Investing 101 04:52 Should I Use Investing Apps? 06:33 How to Invest With $100 09:20 Common Mistakes With Investment Accounts 11:07 What's the Proof This Is Actually a Good Way to Build Wealth? 12:27 Compound Interest: Watch Your Money Grow 18:17 The Biggest Debt We Pay 20:25 Find Where Your Skills Are Most Valued 22:43 The Most Valuable Bit of Information You Wish You'd Known Sooner 25:53 Finding Your Unfair Bet That Will Make You Lots of Money 27:57 Applying Your Skills to Get the Most Money 30:27 Example of Ways to Apply Your Skills 34:03 The Importance of Doing Deals 35:21 Where Do We Go to Learn How to Make Deals? 36:10 Playing the Tax Game 37:28 What Are the Tax Games the Rich Are Playing? 40:00 How to Bring Your Tax Down From 40% to 8% 41:20 Leveraging Investments and Tax 42:48 The Importance of Understanding Tax 45:03 Morgan Housel's Capital Allocation Strategy 46:32 How to Get Into the Top 5% of Investors Easily 47:51 Dollar Cost Averaging 48:29 What's an Index Fund? 49:40 How to Build Wealth Like Warren Buffett 50:59 The Importance of Patience 52:55 Play Games Not Many People Can Play 54:32 Don't Do This to Make Money 56:02 The Blockchain 57:37 Investing in the Blockchain 01:00:06 Everyone Is Equal When It Comes to the Blockchain 01:01:46 Crypto Use Cases 01:03:05 If I Own Crypto, How Do the Other Use Cases Benefit Me? 01:04:18 How Do I Invest in Crypto? 01:07:10 The Bank or Government Doesn't Control Any of Your Crypto 01:07:59 How to Get Out of the Living Paycheck-to-Paycheck Cycle 01:09:38 If You See This, You're in the Financial Danger Zone 01:10:53 Pick Your Hard 01:13:41 Seasons of Life 01:16:19 Wanting to Look Rich Will Make You Go Broke 01:17:53 Stop Making Emotional Decisions and Start Making Logical Ones Ramit Sethi: Instagram - https://g2ul0.app.link/aSZvN6VtsPb  Twitter - https://g2ul0.app.link/EedVkJXtsPb  Alex Hormozi: Instagram: http://bit.ly/40WnLMu Website: http://bit.ly/3UasFTS Codie Sanchez: Instagram - https://g2ul0.app.link/u3G7Nk0tsPb  Twitter - https://g2ul0.app.link/VsOtmy2tsPb  Morgan Housel: Instagram - https://g2ul0.app.link/Xapn1IStsPb  Twitter - https://g2ul0.app.link/e0uZ1qUtsPb  Scott Galloway: Instagram - https://g2ul0.app.link/1ezLPGEtsPb  Twitter - https://g2ul0.app.link/lRQaCHGtsPb Raoul Pal: Instagram - https://g2ul0.app.link/rwzfyoOtsPb  Twitter - https://g2ul0.app.link/gqdDHBQtsPb  Jaspreet Singh: Instagram - https://g2ul0.app.link/oGfm8vJtsPb  Twitter - https://g2ul0.app.link/FUu6rdLtsPb  Watch the episodes on Youtube - https://g2ul0.app.link/DOACEpisodes  You can purchase the The Diary Of A CEO Conversation Cards: Second Edition, here: https://g2ul0.app.link/f31dsUttKKb  Follow me: https://g2ul0.app.link/gnGqL4IsKKb  Learn more about your ad choices. Visit megaphone.fm/adchoices

Feeling stuck in a paycheck-to-paycheck cycle?

Pensions are relics and 401(k)s are problematic. We need a rethink on how we save for retirement, and how we allocate those savings with the certainty that people won't outlive their money. A solution is out there, and Clark shares that with you today. Also, Clark breaks down the paycheck-to-paycheck cycle many find themselves in, and how for some earners, it's entirely possible to break that cycle.  Solving Saving For Retirement: Segment 1 Ask Clark: Segment 2 The Marginal Propensity To Consume: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark.com - INVEST & RETIRE The dangers of underestimating your retirement Annuities Aren't the Problem. Commissions Are, Say These Industry Pros Best Financial Advisors in 2024 Vanguard Personal Advisor Review What to Do When You're Being Harassed About an Old "Zombie Debt" 10 Ways To Save on Prescription Drugs Should I Contribute to a 529 Plan Only To Roll It Into a Roth IRA Later? Best 529 College Savings Plans By State Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

In this eye-opening episode of Horizon Advisers Unleashed, Andrew and Ryan tackle a critical question: Are you financially prepared if your paycheck suddenly stopped? With the rising cost of living and economic uncertainty, more people are finding themselves living paycheck to paycheck, often with little to no financial buffer. Andrew and Ryan discuss strategies to build an emergency fund, evaluate spending habits, and prioritize financial goals. They'll also cover key steps to protect your income, manage debt, and create a safety net if you ever face a job loss. Tune in for practical advice on building financial resilience so you can live with peace of mind—no matter what life throws your way.

Send us a textHonestly, it's such a silly concept of an episode, yet it was actually one of the hardest i've had to do.I had to combat myself from going on a tangent on certain things because i felt myself being pulled away to different topics,but one thing remained true and one thing seemed to be the common denominator for why i'm still living paycheck to paycheck in my 30's.It's me. Hi ! I wouldn't say i'm a problem, but its me!And if you feel the same way, maybe this episode is for you! Because maybe you will finally realize that it's okay to admit that we may have been at such a disadvantage, and that we realize our full potential, but that might be one of the biggest downfalls we've ever had. And it's finally time to take a stand to our own negative selves and say, it's okay to live paycheck to paycheck for now, because one day, i will be okay!If you or anyone you know would like to guest on the show, just DM me on instagram @breakingdownthebreakdownpod !Support the showEmail me at breakingdownthebreakdown@outlook.comor you can find me on instagram at @breakingdownthebreakdownpod

Numerous lawyers make six figures a year and live paycheck to paycheck. In my time working with lawyers on their finances over the years, I've noticed 4 budget categories that tend to contribute to paycheck-to-paycheck living most often. In this episode, let's talk about the 4 biggest culprits and how to address them. Head to rhothomas.com/232 for the full episode show notes. Grab my free guide to get out of debt at rhothomas.com/guide.

More families earning over $150,000 are living paycheck to paycheck. Many point to inflation, but Debbie thinks we need to take a good look in the mirror and a tough review of the family budget to reign in frivolous spending on stuff we don't need. Dave breaks down new solutions that could help do just that.

Snag Our Simplified Budget System! Hey, budget besties! It's Shana and Vanessa here, and we're beyond excited to bring you this episode that comes from a chat we had with the amazing Holly Logan from the Holly Logan Health podcast! We chat all things automating your money and keeping it simple—just the way we like it. We dive into our favorite systems and strategies that help take you out of the equation (because let's be real, when we have to do too much work, it usually doesn't get done!). We talk about the importance of separating your accounts, naming your goals, and using our paycheck plan method to automate everything from groceries to savings for that next vacation or your kids' sports. We even share our own stories—how we went from paycheck-to-paycheck stress to financial freedom—and why we believe everyone can create a budget that fits their values and lifestyle. If you're feeling overwhelmed by money or think budgeting is too complicated, tune in for a conversation that's fun, friendly, and all about taking the stress out of managing your money. Whether you're saving for Portugal, Christmas, or just trying to get a handle on your bills, we've got you covered! 4 Ways To Connect With Us: 1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall  2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.budgetbesties.com/facebook  3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget  4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It's the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching  "I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don't forget to follow the show so you don't miss any episodes! And, if you're feeling really generous, we'd be SO honored if you would share this podcast with someone.  Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase! 

ON THIS EPISODE:AMBER THURMAN AND GEORGIA ABORTION LAWSHave you heard that Georgia's abortion law has murdered a woman? Yeah, I heard that too. I'll debunk the lies the pro-aborts are telling about Amber Thurman.BLAST FROM THE PASTA 1992 presidential debate gives a golden answer on what's gone wrong the last 30+ years.MARK ROBINSON IS A SYMPTOMTwo thoughts: people on the Right, like me, have to start voting with their head -- not their loins.Second thought: we might need to be a ruthless with candidates as the Left was with Biden.IS $150K Enough?Does it feel impossible to get by financially. I'll share a recent study saying families of 4, making $150k in the US are just living paycheck to paycheck.

In this episode of Financial Advisors Say The Darndest Things, A.B. Ridgeway breaks down the concept of lifestyle creep and how it could be silently sabotaging your financial freedom. Even with a six-figure salary, many Americans find themselves living paycheck to paycheck. A.B. dives into the psychology behind why we spend more as we earn more, and how this behavior can impact long-term financial security. Listen in as we explore practical strategies to overcome lifestyle inflation and build a more secure financial future.Key Takeaways:Understanding Lifestyle Creep: Even high earners can fall into the trap of lifestyle creep—spending more as they make more—often resulting in financial stress and reduced savings for the future.Psychological Factors Behind Overspending: Many people tie their perceived self-worth to material possessions, feeling like they "deserve" more due to hard work, which can drive excessive spending.The Importance of Living Within Your Means: Rather than upgrading your lifestyle with every raise, A.B. advises staying mindful of your long-term goals, encouraging listeners to save more and spend wisely to reduce financial anxiety in retirement.Memorable Quotes:“More than half of Americans with an income of $100,000 or higher are still living paycheck to paycheck. This may be the result of lifestyle creep.”“We feel entitled to live a certain lifestyle because we work so hard, but does the person with a million-dollar lifestyle really need two pairs of everything?”“You're only hurting yourself when you overspend. The person with the million-dollar lifestyle could be living a $500,000 lifestyle and saving the rest for future investments.”Tune in for actionable advice on how to avoid lifestyle creep and secure your financial future!

In this episode of Financial Advisors Say The Darndest Things, A.B. Ridgeway breaks down the concept of lifestyle creep and how it could be silently sabotaging your financial freedom. Even with a six-figure salary, many Americans find themselves living paycheck to paycheck. A.B. dives into the psychology behind why we spend more as we earn more, and how this behavior can impact long-term financial security. Listen in as we explore practical strategies to overcome lifestyle inflation and build a more secure financial future.Key Takeaways:Understanding Lifestyle Creep: Even high earners can fall into the trap of lifestyle creep—spending more as they make more—often resulting in financial stress and reduced savings for the future.Psychological Factors Behind Overspending: Many people tie their perceived self-worth to material possessions, feeling like they "deserve" more due to hard work, which can drive excessive spending.The Importance of Living Within Your Means: Rather than upgrading your lifestyle with every raise, A.B. advises staying mindful of your long-term goals, encouraging listeners to save more and spend wisely to reduce financial anxiety in retirement.Memorable Quotes:“More than half of Americans with an income of $100,000 or higher are still living paycheck to paycheck. This may be the result of lifestyle creep.”“We feel entitled to live a certain lifestyle because we work so hard, but does the person with a million-dollar lifestyle really need two pairs of everything?”“You're only hurting yourself when you overspend. The person with the million-dollar lifestyle could be living a $500,000 lifestyle and saving the rest for future investments.”Tune in for actionable advice on how to avoid lifestyle creep and secure your financial future!

Just a short while back, Marisa Mae was caught in the paycheck-to-paycheck trap, her credit cards stretched to their limits with no emergency savings to speak of, all while wrestling with constant financial stress. Today, she's on a clear path to retire as a millionaire. Her secret? Mastering the art of debt repayment without succumbing to severe frugality. Marisa managed to eliminate five-figure consumer debt, not by cutting out her cherished coffee runs, but by smart financial planning. Isn't that supposed to be a big FIRE faux pas? Marisa's turning point came at rock bottom—stranded without a place to stay or a dollar to her name. But instead of going back to restrictive budgeting and punishing herself for her overspending, she built a financial plan that worked specifically for her.  Now, Marisa is ready to show others that achieving financial freedom, eradicating debt, and even starting to invest can all happen WITHOUT cutting everything enjoyable out of your life. If you're battling to escape bad debt, Marisa's approach could liberate you faster than you think—even if you struggle to find financial balance.  In This Episode We Cover How Marisa went from a financial “mess” to being on track to become a millionaire in retirement  The spending hack that allows you to treat yourself WITHOUT going over budget  Why you CAN invest while paying off debt (and the right way to do it) Why taking on good debt to grow your business/side hustle isn't a bad thing  The “slow” path to becoming debt-free that is MUCH more successful than the beans and rice diet  And So Much More! Links from the Show Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Join BiggerPockets for FREE Email Mindy: Mindy@biggerpockets.com Email Scott: Scott@biggerpockets.com BiggerPockets Money Facebook Group Financial Badassery Support Today's Show Sponsor, Connect Invest, the Alternative Way to Earn Passive Income Through Real Estate Get Your Personal Finances in Check with “Set for Life” Find an Investor-Friendly Agent in Your Area How to Pay Off Credit Card Debt FAST ($30K+ in 1 Year!) (00:00) Intro (01:05) Paycheck-to-Paycheck and Worth $0 (04:29) Enough is Enough (07:20) Paying Off Debt While Still Spending (10:21) Investing While in Debt!? (14:41) Finally Debt-Free? (16:58) Managing Her Money (21:38) Best Tip for FIRE (24:08) Connect with Marisa! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-572 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

If you're living paycheck to paycheck and not making the progress you want with your money, then listen in. I'm sharing exactly how you can break the cycle and take control of your finances—starting now. Ready to make a change? Let's do this together. As a podcast listener (THANK YOU), you'll get a bonus 1:1 session with me when you enroll in Money for Women Physicians: https://wealthymommd.com/money Just let us know in the checkout page that you're a podcast listener. I hope to see you at first "meeting" on October 8th.

Are you constantly stressed about bills, wondering why your profitable business isn't translating into cash?In today's episode, Joshua Gillow and Adam Lineman tackle a problem many face: living paycheck to paycheck despite running a seemingly successful business. If you're eager to break this cycle and achieve financial stability, this discussion is tailor-made for you.By the end of this episode, listeners will discover: how to identify the signs of financial strainlearn the “Profit First” strategy to effectively price their servicesgain insights on how to allocate funds wisely for long-term wealth building.Tune in now and take the first step towards financial freedom! Don't let another month go by without the tools and mindset to thrive. Subscribe and start your journey to a more prosperous future today!Connect with Joshua at:The WebsiteThe Facebook GroupSales Master Classes

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share their three best tips on escaping the vicious cycle of living paycheck to paycheck. --- ⭐️ Click here to join our FREE webinar with NEOS Investments!

How Paying Yourself First Unlocks Financial FreedomIn this episode, we explore the Law of Savings and how consistently saving 10% of your income can secure your financial future. Learn practical strategies for prioritizing your savings, avoiding debt traps, and adopting a mindset that leads to long-term wealth and stability.To contact Antonio T. Smith Jr.https://www.facebook.com/theatsjrhttps://www.amazon.com/stores/Antonio-T.-Smith-Jr/author/B00M3MPVJ8https://www.linkedin.com/in/antoniotsmithjrhttps://antoniotsmithjr.comhttps://www.instagram.com/theatsjr Understanding the Law of SavingsKey Principle:Financial freedom comes to those who save 10% or more of their income consistently throughout their lifetime.Money and finance are different; just because you hold a lot of money doesn't mean you are financially intelligent.The Consequence of Not Saving:If you are not saving at least 10% of your income, you are violating a universal law, which can cause your money to flee from you.Practical Application of SavingConsistency in Saving:You can adjust your saving habits based on your discipline. For example, saving 10% each paycheck or annually in one lump sum.It's often more practical to save a little each time you earn, much like how the government takes taxes regularly rather than all at once.Spending Patterns:Most people spend all their income on living expenses and borrow beyond their means, using credit cards or loans to cover additional costs.Example: After paying for housing, utilities, and other bills, people often have nothing left for savings and still resort to credit to cover other expenses.The American Pie Analogy:The metaphor of a pie illustrates how people divide their income:65% goes to living expenses (rent or mortgage).Additional expenses go to other necessities like insurance, utilities, and loans, leaving little or no savings.Many Americans end up spending 150% of their income, borrowing to make up the difference, leading to debt.Cultural and Societal InfluencesPayday Loans and High-Interest Debt:Payday loans and student loans take advantage of people who don't understand finances, offering short-term relief but ultimately trapping them in debt due to high-interest rates.People often think they're gaining from these loans, but they are actually losing more in the long term.Group Economics as a Solution:Some communities, like Hispanic families, practice group economics where multiple family members work together, pooling resources to build wealth and stability.This strategy allows families to buy homes and invest together, overcoming individual financial challenges.The Importance of Paying Yourself FirstUniversal Law:Always pay yourself first by saving a portion of your income before handling other expenses.This principle is seen across cultures and sacred texts, emphasizing the importance of prioritizing savings for long-term financial health.Financial Challenges and External ShocksThe Fragility of Living Paycheck to Paycheck:A single unexpected expense, such as a higher utility bill or a car repair, can throw off months of financial planning for those living paycheck to paycheck.Financial setbacks, even small ones, often have a ripple effect, causing extended periods of financial strain.Conclusion:Saving for Financial Freedom:The Law of Savings emphasizes the importance of consistently saving a portion of your income, paying yourself first before meeting other financial obligations.Avoid overspending and borrowing, and adopt strategies like group economics to build long-term wealth and financial resilience.Support this podcast at — https://redcircle.com/the-secret-to-success/exclusive-contentAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

In this episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions! --- To review the Federal Reserve charts we mentioned during the episode, click here! Don't forget to subscribe :) --- Open a Bond Account on Public and receive a potential 6.5% yield on your money, click here! --- Sign up for the Rich Habits Network so you don't miss out on the next big investment opportunity, click here! --- ⭐ Download our FREE Budgeting Template – ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⭐ Earn 5.1% on your savings with a High-Yield Cash Account – ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⭐ Trade stocks, options, music royalties and crypto on Public – ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⭐ Automatically buy stock where you shop with Grifin – ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⭐ Protect your family with term life insurance from Suriance – ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⭐ Use code “Spotify” for 15% off our 4-module video course – ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⭐ Optimize your portfolio with Seeking Alpha – ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ---

ON THIS EPISODE: AMBER THURMAN AND GEORGIA ABORTION LAWS Have you heard that Georgia's abortion law has murdered a woman? Yeah, I heard that too. I'll debunk the lies the pro-aborts are telling about Amber Thurman. BLAST FROM THE PAST A 1992 presidential debate gives a golden answer on what's gone wrong the last 30+ years. MARK ROBINSON IS A SYMPTOM Two thoughts: people on the Right, like me, have to start voting with their head -- not their loins. Second thought: we might need to be a ruthless with candidates as the Left was with Biden. IS $150K Enough? Does it feel impossible to get by financially. I'll share a recent study saying families of 4, making $150k in the US are just living paycheck to paycheck. --- Support this podcast: https://podcasters.spotify.com/pod/show/corytruax/support

Steve Moore: Food prices much too high for people living paycheck to paycheck

66% of Americans living paycheck to paycheck. Kamala Harris talking about price controls. Friday sound salad. Chicago prepares for the DNC next week. Harris campaign limiting celeb involvement at DNC. Arrests made in the death of Matthew Perry. Ukraine advances further into Russia. California feeling the effects of raising the fast food minimum wage. Zach Abraham, Bulwark Capital, talks about the latest trends in the stock market. 

The cost of health benefits is rising, but employers say they are prepared to maintain their current employee health plans. Gene Marks shares news about a study that said nearly half of employers surveyed said they would cover the costs, and many would add alternative benefits. That's good news considering other topics on this week's episode reveal that 34% of Americans are living paycheck to paycheck. Business owners will also want to audit their websites because a NYC firm is bringing lawsuits against those lacking web accessibility under the ADA. Watch or listen to the podcast.  DISCLAIMER: The information presented in this podcast, and that is further provided by the presenter, should not be considered legal or accounting advice, and should not substitute for legal, accounting, or other professional advice in which the facts and circumstances may warrant. We encourage you to consult legal counsel as it pertains to your own unique situation(s) and/or with any specific legal questions you may have.

Welcome to Dentist Money Two Cents, a look at the latest financial and economic news from the past week.
 On this episode, Matt, Jake, and Victoria explore the indicators of a recession, such as the unemployment rate and the inverted yield curve. The conversation then shifts to the changing spending habits of Americans, with more people going on vacations and complaining about living paycheck to paycheck despite their discretionary spending. Finally, they talk about HSAs and investing HSA funds for long-term growth, while also acknowledging the need to balance current healthcare costs. Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.

On episode 367 of Animal Spirits, Michael Batnick and Ben Carlson discuss: U.S. domination of the world stock market, how credit spreads work, how the 401k revolution changed the stock market, Americans are rich, an economic slowdown is here, the U.S. labor force is huge, everyone wants to travel, the $5 meal deal inflation indicator, and much more! This episode is sponsored by YCharts and CME Group. Get 20% off your initial YCharts Professional subscription when you start your free YCharts trial through Animal Spirits (new customers only). Sign up at: https://go.ycharts.com/animal-spirits Access CME Group's valuable educational materials and trading tools and learn more about what adding futures can do for you at cmegroup.com/animalspirits Sign up for The Compound newsletter and never miss out: thecompoundnews.com/subscribe Find complete show notes on our blogs... Ben Carlson's A Wealth of Common Sense Michael Batnick's The Irrelevant Investor Check out the latest in financial blogger fashion at The Compound shop: https://www.idontshop.com Feel free to shoot us an email at animalspirits@thecompoundnews.com with any feedback, questions, recommendations, or ideas for future topics of conversation.   Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of Ritholtz Wealth Management, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here https://ritholtzwealth.com/advertising-disclaimers. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: https://ritholtzwealth.com/podcast-youtube-disclosures/ Learn more about your ad choices. Visit megaphone.fm/adchoices

This week we are rewinding to a conversation I had with Veronique Graves, a fellow Journeyer and former member of my past community the Money Launch Club. Veronique is a self employed sign language interpreter who is on her way to financial freedom. After becoming a member of the Money Launch Club, she went from living paycheck to paycheck to paying off debt, saving, and investing.  Veronique advises those on their financial journey to be patient, set specific goals, and surround themselves with financially savvy individuals. Her motivation for financial independence stems from her desire for life flexibility and the ability to help others, inspired by how her family supported her financially in the past. In this episode, Veronique shares:  How working as a freelance contractor requires careful financial planning due to the irregular nature of her income​​. How she successfully managed to save enough to avoid living paycheck to paycheck and how she is paying off her credit card debt The significance of celebrating small wins and staying motivated by recognizing progress over time​​ + much more. Other Links Mentioned in episode: Check out the book that helped Veronique on her journey, Get Money by Kristin Wong. Get your copy of my book: Your Journey To Financial Freedom Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp for FREE Check out my 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! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with 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 Get The Budget Bootcamp for FREE

Some people who “make it” going bankrupt. What causes this to happen? Many believe it has to do with the people you surround yourself with. Andrew and Ryan discuss these theories while relating them to certain celebrity financial stories.

It's possible to make millions with low ticket offers - and I'm here to share my story of exactly how I've done it! In this special, FIRST EPISODE of the podcast, I share my entrepreneurship journey and how I went from living paycheck to paycheck to making over $1 million in digital product sales. You'll learn how I started with a boutique on Instagram and then transitioned to creating my own digital courses. I'll share tips on how to turn a low-ticket offer into massive profit, and the power of focusing on mindset over perfection. Plus how to push through the launches that flop, and refine them, so you can make the big launch that took off.    HIGHLIGHTS How I took action on the inner knowing that I was made for more (and how you can too!) The $1k investment that ultimately changed everything. The biggest lessons I learned from my online boutique. How closing 1 business led to making my first million in another business. Ways to build momentum (+ take grow FASTER by learning from mentors.) How going ALL-IN on my low ticket digital product has changed my family's life.   RESOURCES + LINKS Join the community - Abundant Ambition Academy! Create Your own Digital Product - get the Passive Profit Playbook! Learn more about selling on social + creating your own digital offers - https://abundantambition.com/   FOLLOW Brie Groves: @briegroves

Snag Our Signature Budget Template! Hey Budget Besties! In today's episode, we're tackling the all-too-familiar struggle of living paycheck to paycheck. If you're tired of feeling like your money is already spent before you even get it, this episode is for you. We're breaking down our simple and effective paycheck planning system that will help you take control of your finances, ensuring that you know exactly what to do with your money each payday. Key Takeaways: The Problem: Living paycheck to paycheck is a common issue. Many of us earn enough money but still feel financially strapped because we're not managing our paychecks effectively. Mindset Shift: It's not that you're bad with money; you just need a better system. Our method helps you see your finances clearly and plan intentionally rather than reacting to financial stress. Monthly Budget: Start by creating a monthly budget. This gives you a bird's-eye view of your finances, helping you allocate your income across all your expenses, debts, savings, and spending categories. Simple Categories: Our budget system is straightforward, focusing on five key areas: income, debts, bills, spending, and savings. This simplicity makes it easy to follow and stick to. Separate Accounts: Set up separate accounts for different spending categories like groceries, gas, and pocket money. This helps you manage your money more effectively and ensures you always have funds for what you need. Automatic Transfers: Automate your finances by setting up automatic transfers on payday. This way, your money is allocated to the right places without you having to think about it. Paycheck Planning: Divide your expenses evenly across your paychecks. This prevents the feast-or-famine cycle and ensures that all your needs are consistently met. Get One Paycheck Ahead: Aim to have your last paycheck of the month cover the upcoming month's expenses. This creates a buffer and reduces financial stress. Action Steps: Create a Budget: Use our free budget template to get started. Set Up Accounts: Open separate accounts for different spending categories to keep your finances organized. Automate Transfers: Set up automatic transfers on payday to ensure your money goes where it needs to go. Implement the Plan: Follow the paycheck plan to manage your expenses evenly and avoid financial stress. Build a Buffer: Work towards having one paycheck ahead to further ease financial strain. 4 Ways To Connect With Us: 1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall  2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.budgetbesties.com/facebook  3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget  4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It's the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching  "I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don't forget to follow the show so you don't miss any episodes! And, if you're feeling really generous, we'd be SO honored if you would share this podcast with someone.  Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!   --- Send in a voice message: https://podcasters.spotify.com/pod/show/budgetbesties/message

Feeling like you're stuck on a financial hamster wheel, constantly spending and hoping your paycheck lasts till the end of the month? You've probably been told to just budget and everything will work out, but the reality is that you're feeling the pressure and struggling to make ends meet. It's frustrating to constantly juggle wants and needs, and it's time to break free from this cycle. Let's explore a different approach to financial security that actually works. In this episode, you will be able to: Discover the secrets to living a purposeful life and unlocking your true potential. Learn how to distinguish between needs and wants, and make mindful spending decisions. Master the art of overcoming financial struggles through effective budgeting techniques. Explore personal development through engaging nonfiction and podcasts for continuous growth. Uncover the key steps to setting financial goals for a secure and stable future. Discover actionable strategies for living a purposeful life.Dwight Heck delves into the importance of living with purpose rather than letting societal norms dictate one's path. By understanding the difference between wants and needs, individuals can make informed financial decisions aligned with their values. Implementing effective budgeting practices is key to directing one's life towards a purposeful and fulfilling future. The resources mentioned in this episode are: Book a strategy call with me at giveaheck.com to get personalized guidance and support in improving your financial situation and living a purposeful life. Purchase my book Give a Heck: How to Live Life on Purpose, and Not by Accident on Amazon or through my website. You can also get the book for free by paying only the shipping costs. Check out my podcast, Give a Heck, released every Tuesday, featuring guests who share strategies and insights to help you live a more purposeful life. Reach out to me for a free strategy call to see if I can help you clear out mental obstacles and guide you through financial challenges. Visit my website to explore additional resources, including blog posts, tools, and other content aimed at helping you achieve financial stability and live a purposeful life. Connect with Dwight Heck! Website: https://giveaheck.com (Free Book Offer) Instagram: https://www.instagram.com/give.a.heck Facebook: https://www.facebook.com/dwight.heck Facebook Group: https://www.facebook.com/groups/Giveaheck YouTube: https://www.youtube.com/@giveaheck LinkedIn:https://www.linkedin.com/in/dwight-raymond-heck-65a90150/TikTok:https://www.tiktok.com/@giveaheck The key moments in this episode are:00:00:02 - Understanding Financial Responsibility 00:02:21 - Living a Purposeful Life 00:06:32 - Need vs Want 00:10:41 - Breaking the Cycle of Debt 00:13:54 - Financial Wellness for All 00:14:17 - Overcoming Financial Challenges 00:15:01 - Adapting to Change 00:16:22 - Positive Associations 00:17:38 - Seeking Help and Mentorship 00:22:37 - You Are Worthy 

I'm earning the most that I ever have, yet I feel like I'm still living paycheck to paycheck. What gives? Have a money question? Email us here Subscribe to Jill on Money LIVE YouTube: @jillonmoney Instagram: @jillonmoney Twitter: @jillonmoney "Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices