Podcasts about magnifymoney

In this powerful episode of ABOUT THAT WALLET, host Anthony Weaver sits down with Aja McClanahan, a personal finance blogger who has paid off $120,000 in debt and has been featured in publications such as Magnify Money, Yahoo Finance, and Experian. Aja opens up about her journey of overcoming significant emotional and financial challenges, including a high-conflict divorce, caring for her mother, and raising her children. She shares how her faith, resilience, and strategic financial planning helped her navigate these tumultuous times.Join us as we discuss:The emotional trauma of living a life that wasn't true to oneself.Aja's journey to becoming debt-free and her passion for personal finance.The impact of a high-conflict divorce and the importance of mental health.How faith and therapy played crucial roles in her recovery.Practical strategies for managing finances during and after a divorce.Whether you're facing financial challenges or looking for inspiration to overcome life's hurdles, this episode offers valuable insights and heartfelt advice.=||Chapters||=00:00:00 - Pre-Intro00:00:40 - Intro00:02:19 - 201400:04:02 - 201900:10:12 - No Dating through my divorce00:15:17 - Dave Ramsey00:19:56 - Prenup?00:22:48 - Forgiveness during divorce process00:28:10 - Setting Boundaries00:30:39 - Latish00:33:13 - Third segment Aja McClanahan future00:34:53 - Message to Audience00:35:25 - Final 4 questions00:37:26 - Aja McClanahan: Where could people find out more about me00:39:13 - BloopersDiscover more about Aja McClanahan and her work:Website: https://principlesofincrease.comInstagram: @principlesofincreaseYouTube: Principles of Increase TV / https://www.youtube.com/@PrinciplesofIncreaseTV Books on Amazon: https://amzn.to/3TBc7Fw THANK YOU FOR LISTENING!#PersonalFinance #Resilience #AboutThatWallet #DivorceRecovery #FinancialPlanningGet My Habit Journal: https://amzn.to/3U4r44Join the About That Wallet Newsletter! https://aboutthatwallet.com/newsletterContinue to support the show by subscribing, sharing, and leaving comments on your favorite platforms. This helps others find valuable financial insights.Follow Me:IG: https://instagram.com/aboutthatwalletTwitter: https://twitter.com/aboutthatwalletWebsite: https://aboutthatwallet.comEmail: Anthony@aboutthatwallet.com--DISCLAIMER: The content in this audio is for educational purposes only. Conduct your own research and make the best choice for you. If you need advice, contact a qualified professional.Episode 269Send in a voice message:

Ever look at yourself in the mirror? Of course, you have! How often have you had to tell that person looking back at you to get out of the way? If you're like us, A TON. Mel Robbins discovered that one simple gesture in the morning can make all the difference in our decisions. She'll share details of her own journey to success after financial hardship and how five seconds and high-fives changed her outlook. High fives aren't just for big accomplishments or a way to communicate with friends. You can (and should) give yourself a high five every day for all the successes in your life, no matter how insignificant they may seem. Mel dives into the science behind how these small habits changed her life and how they can change yours, too. We are back teaching you about annuities during our headline, and one annuity company is pleading to independent financial advisors to give their products another shot. Annuities aren't always painted in the best light, and we'll hear what this company is doing to change that. During our Magnify Money voicemail, Roy wants to pick Joe and OG's brains about their asset allocation. And, of course, we'll include some of Doug's trivia. This show originally aired in September of 2021, so please ignore any mention of current events. You can find the original show notes here: How To Get Out Of Your Own Way With One Simple Tool (with Mel Robbins). Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode of Saving With Steve, host Steve Sexton is joined by Senior Director of Content at MagnifyMoney, Ismat Mangla, who is a veteran journalist with a background in writing about personal finance and savings. They discuss:   - How to navigate the "Great Resignation" - The spike in older adults returning to the workforce as the pandemic continues - Why Americans are coming out of retirement and looking for work - What older aged adults can do to find work and what they should look out for - What to know about the social security retirement earnings test and inflation   Learn more about the show at www.SavingWithSteve.us

According to a survey by Magnify Money in 2021, younger investors are more inclined to make emotion-driven investment decisions and suffer investment remorse, and overall, retail investors who let a financial specialist manage their portfolios are less susceptible to the pressures of the markets. Wilfred Lim, Head of Strategy, Investment Solutions, PhillipCapital shares more with us on the importance of getting help from a financial specialist in your investment journey.  See omnystudio.com/listener for privacy information.

Today, Joe and OG are answering YOUR questions, and man do we have some good ones. They explain deflation in more detail, dive into dollar cost averaging, talk about shifting your investment allocation, and talk about the importance of keeping your accounts safe online. In our headline segment, we talk to Ken Tumin from MagnifyMoney about their recent saving index survey. Are Americans saving more or less now than they did a year ago? What age group is saving the most? Ken will share the results. We'll also throw out the Haven Life line to Dan who has a question about his employee stock purchase plan (ESPP). And of course, Doug will share his trivia. Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode of Saving With Steve, host Steve Sexton is joined by Senior Director of Content at MagnifyMoney, Ismat Mangla, who is a veteran journalist with a background in writing about personal finance and savings. They discuss:   - How to navigate the "Great Resignation" - The spike in older adults returning to the workforce as the pandemic continues - Why Americans are coming out of retirement and looking for work - What older aged adults can do to find work and what they should look out for - What to know about the social security retirement earnings test and inflation   Learn more about the show at www.SavingWithSteve.us

BRN AM  |  Retired Americans Returning to the Workforce amid rising wages and inflation | Ismat Mangla, Executive Editor, MagnifyMoney | www.broadcastretirementnetwork.com

In this compelling episode of Mental Money,' we explore the transformative power of a positive money mindset. It's no secret that our thoughts and beliefs about money play a pivotal role in our financial outcomes. But how can we shift our mindset to better serve our financial goals? We delve into this topic, offering practical strategies to help you view finances in a more empowering light. Hear from special guest Tiffany Aliche- who shares their personal journeys from financial struggle to prosperity, all achieved through a change in mindset and the power of community. Plus, we share tips and insights on how to apply these lessons to your own life. Whether you're looking to get out of debt, increase your savings, or just feel more confident about your financial decisions, this episode is packed with valuable information to guide you. Tune in to this episode of 'Mental Money' to start transforming your money mindset and unlock your path to financial freedom."   Facebook: www.facebook.com/budgetnista Facebook Community (Dream Catchers: Live Richer w/ The Budgetnista):www.facebook.com/groups/LIVERICHE…=105314232838635 Twitter: twitter.com/TheBudgetnista Instagram: www.instagram.com/thebudgetnista/ Website: thebudgetnista.com   *This episode was repurposed from the previously owned credit conversion conversations podcast. Some of the items mentioned in the episode are more relevant to 2020, but can still be used today.    Resources mentioned in the episode: Magnifymoney.com Charles Schawbb- Target date fund [Children's book] https://malimore.com   About the Host: 
Nathalie Noisette is a credit expert, personal finance professional, speaker, author, and mother. As a leading authority in personal finance – and as a mother, she has helped thousands of mothers live fuller financially, eliminate debt, and access credit. She has taught and spoken nationally and Internationally and received media attention for expert contributions in finance. She is the author of “Converted: Uncover the Hidden Strategies you Need to Easily Achieve Massive Credit Score Success.”   Get in Touch: IG: https://www.instagram.com/convertedcredit/ TikTok:https://www.tiktok.com/@convertedcredit Linkedin: https://www.linkedin.com/in/nathalie-noisette/   
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For Media Inquiries or Ad placement, please contact Nathalie at 1-888-773-5777 or mentalmoney.me@gmail.com Disclaimer: 
All information contained within this audio is a reflection of the author's opinion in proximity to when the audio was produced. Credit and best practices are ever-changing organisms, due to this notion, there can be changes to this podcast at any time based on new information. Also, the host's opinion may change as well. The host has done their due diligence to ensure that the information presented is presented with the most relevant information, but takes no responsibility to any changes that may be made. Again, these are opinions based on expert experience. You are more than welcome to cross-reference any information presented in this clip. Any missing information is not the responsibility of the host. Any results direct, indirect or consequential, or otherwise are not the responsibility of the host. The information is not to be taken as legal advice. If you are in need of legal advice please contact a qualified attorney.

From coins to toys and trading cards, most collectors think their collections will pay off. Ismat Mangla from Magnify Money joins us to break down who is collecting what, how much they've spent along the way, and whether the collections ever pay off.

In this episode of Saving With Steve, host Steve Sexton is joined by Ismat Mangla, the Senior Director of Content at MagnifyMoney. They discuss:   - The reality of many Americans living paycheck to paycheck - What's going on and what people can do to better their situation - How to calculate how much money you need to save for an emergency fund   Learn more about the show at www.SavingWithSteve.us

The sixth richest man in the world ($104 billion net worth) enjoys a simple, frugal life.  Buffett still lives in the same starter home he bought in 1958.  He begins the day with a McDonald's breakfast and even clips coupons.  And Buffett doesn't splurge on expensive hobbies.  In fact, he told CBS Sunday Morning that he plays bridge about 8 hours a week! How important is it for retirees to stay frugal as they spend their nest egg?  When you log into your financial accounts, what's the number that needs to be on the bottom of the page before you'd feel completely comfortable about retiring?  Three-fourths of Americans responding to a MagnifyMoney survey say one-million dollars would do the trick.  On the other hand, a fourth of baby boomers surveyed say there's no amount of money that would make them comfortable!  What are your thoughts on what it takes for someone to feel confident about being able to retire?

Segment 1: Nationally syndicated financial columnist and author Terry Savage joins John to talk about how the stock market is ending January, how successfully the market has performed over the past 40 years, what to know about taxes on Cash apps, and A new survey by MagnifyMoney.com says that banks collected $114 billion more in fees than they […]

How happy are you with your current banking situation? Are you getting real value out of your checking and savings accounts? Or do you feel like you're getting nickeled and dimed?  Today we'll go over how to find a better banking option and how to seamlessly move your money!  Why It Matters Where You Bank These are all important to your financial health and making progress on your goals, however we left the biggest piece of the puzzle last – your day to day bank accounts.  Your check and savings accounts are the backbone to your family's financial system, but for most of us, it's almost like an afterthought. Much of this goes back to how we chose our accounts in the first place. For my husband and I, with our first accounts, it was based on who we were already banking with. And at the time we had bank accounts with two of the major banks, we had opened student checking accounts. When I say they were basic accounts, that's exactly what they were. Honestly, we just settled with it for way too long. After getting frustrated with the horrible customer service, ridiculous fees. And not seeing any real progress with our financial goals. We decided it was time to change. We moved our money to an online bank and credit union and i have to say we are so much happier for it. We feel that our banking partners are actually partners that they're helping us reach our financial goals faster. And make our lives easier with managing our money. So if you feel that way about your bank or credit union, fantastic. However, there are plenty of families that feel like they're banking options are hurting them rather than helping. According to a recent Magnify Money survey, 68% of consumers are frustrated and feel like their savings isn't growing. When you consider that 18% of those said they get less than .05% APY, it's understandable. What makes it worse are those minimum balances and fees added on their accounts.  Bankrate reported that the average maintenance fee on a checking account that earns interest totaled $196.20/year.  So if you're feeling squeezed, you probably are. That doesn't have to be the case though.  With 2021 winding down, now is a great time to set the pieces up for you to have an incredible year in 2022. In this episode, we'll go over:  What to look for in your next bank or credit union How to move your money and switch accounts (and deal with a reluctant spouse) How to set up your new accounts for your best year ever Are you ready?  Let's get started!  Resources to Easily Manage Your Money Best Budget and Money Apps: Personal Capital, Tiller, Mint Grab Your Copy: Jumpstart Your Marriage and Your Money Join Our Thriving Families Community on Facebook Free 401(k) Analysis: blooom Thank You to Our Sponsor Coastal! Support for this podcast comes from Coastal Credit Union! If you're living in the Raleigh Durham area and looking to bank better, come check out Coastal today. We've been Coastal members for a few years have been happy with their services. Did you know that Coastal offers a Health Savings Account? If you have a high deductible health plan, you need to take advantage of an HSA. Find out more about what Coastal offers here! Support the Podcast! Thank you so much for listening to the podcast! If you enjoyed this episode and found it helpful, here are some ways to support it. Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your rating and review on Apple Podcasts. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together! Photo by Adrien Olichon from Pexels

How happy are you with your current banking situation? Are you getting real value out of your checking and savings accounts? Or do you feel like you're getting nickeled and dimed?  Today we'll go over how to find a better banking option and how to seamlessly move your money!  Why It Matters Where You Bank These are all important to your financial health and making progress on your goals, however we left the biggest piece of the puzzle last – your day to day bank accounts.  Your check and savings accounts are the backbone to your family's financial system, but for most of us, it's almost like an afterthought. Much of this goes back to how we chose our accounts in the first place. For my husband and I, with our first accounts, it was based on who we were already banking with. And at the time we had bank accounts with two of the major banks, we had opened student checking accounts. When I say they were basic accounts, that's exactly what they were. Honestly, we just settled with it for way too long. After getting frustrated with the horrible customer service, ridiculous fees. And not seeing any real progress with our financial goals. We decided it was time to change. We moved our money to an online bank and credit union and i have to say we are so much happier for it. We feel that our banking partners are actually partners that they're helping us reach our financial goals faster. And make our lives easier with managing our money. So if you feel that way about your bank or credit union, fantastic. However, there are plenty of families that feel like they're banking options are hurting them rather than helping. According to a recent Magnify Money survey, 68% of consumers are frustrated and feel like their savings isn't growing. When you consider that 18% of those said they get less than .05% APY, it's understandable. What makes it worse are those minimum balances and fees added on their accounts.  Bankrate reported that the average maintenance fee on a checking account that earns interest totaled $196.20/year.  So if you're feeling squeezed, you probably are. That doesn't have to be the case though.  With 2021 winding down, now is a great time to set the pieces up for you to have an incredible year in 2022. In this episode, we'll go over:  What to look for in your next bank or credit union How to move your money and switch accounts (and deal with a reluctant spouse) How to set up your new accounts for your best year ever Are you ready?  Let's get started!  Resources to Easily Manage Your Money Best Budget and Money Apps: Personal Capital, Tiller, Mint Grab Your Copy: Jumpstart Your Marriage and Your Money Join Our Thriving Families Community on Facebook Free 401(k) Analysis: blooom Thank You to Our Sponsor Coastal! Support for this podcast comes from Coastal Credit Union! If you're living in the Raleigh Durham area and looking to bank better, come check out Coastal today. We've been Coastal members for a few years have been happy with their services. Did you know that Coastal offers a Health Savings Account? If you have a high deductible health plan, you need to take advantage of an HSA. Find out more about what Coastal offers here! Support the Podcast! Thank you so much for listening to the podcast! If you enjoyed this episode and found it helpful, here are some ways to support it. Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your rating and review on Apple Podcasts. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together! Photo by Adrien Olichon from Pexels

Ever look at yourself in the mirror? Of course you have! How many times have you had to tell that person looking back at you to get out of the way? If you're like us, A TON. Mel Robbins discovered that one simple gesture in the morning can make all the difference in our decisions. She'll share details of her own ugly journey to success after financial hardship and how five seconds and high fives changed her outlook. High fives aren't just for big accomplishments or a way to communicate with friends. You can (and should) give yourself a high five every day for all the successes in your life, no matter how insignificant they may seem. Mel dives into the science behind how these small habits changed her life and how they can change yours too. We are back teaching you about annuities during our headline and one annuity company is pleading to independent financial advisors to give their products another shot. Annuities aren't always painted in the best light and we'll hear what this company is doing to change that. During our Magnify Money voicemail, Roy wants to pick Joe and OG's brains about their asset allocation. And of course we'll include some of Doug's trivia. Enjoy!

Studies show that our biggest enemy is often the one between our own ears. It can be hard to get out of your own head at times. Joyce Marter joins us today to talk about limiting beliefs and how we can practice an abundance mindset to be more successful. She is a psychotherapist, entrepreneur, author and speaker and sold her own business (that she'd started for $500) for many times more than what she expected--and multiple millions of dollars--once she got advice from others and got out of her own way. During our headline, we talk to Kamaron McNair about a piece she wrote for Magnify Money about investing behaviors and emotions. How many people have traded while drunk? She will let us know! She also talks about other money worries and how emotions have a play in trading and investing. We'll also throw out the Haven Life line to Mark who wants to know what you would do if you were given $100k in Bitcoin. Joe and OG will fill us in on their thoughts. And Doug will enlighten us all with his trivia! Enjoy!

In this week's episode, Cameron and Benjamin share what's on their mind and delve into listener questions on subjects ranging from the CAPE ratio to how to go about changing someone's mind. Tuning in you'll get a preview of some of the formidable guests featured on future episodes, like John Cochrane and Hersh Shefrin. We also cover book recommendations and unpack the concept of libertarian paternalism from the highly influential best-seller, Nudge: The Final Edition by Richard Thaler and Cass Sunstein, and how it can be a force for good. We cover various facets of passive investing and index funds including how, despite its proven effectiveness, many people continue to take a dim view of it. Learn why certain personality types may be more drawn to active investing and why. We also share tips for reasoning with skeptics, including some useful questions to ask when things get heated. Next, we take an in-depth look at index funds and global returns over the last century based on the research of Dimson, Marsh, and Staunton and their book Triumph of the Optimists. We also answer questions from our Talking Cents Cards and take a look at the best bad advice from the previous week. This episode is packed with fascinating anecdotes and excellent recommendations that you won't want to miss! Tune in today!   Key Points From This Episode: We reflect on some of the reviews and feedback we've received over the past week. [0:03:00.7] An overview of the guests that listeners can look forward to on future episodes. [0:06:15.8] Talking Cents Cards and how they can introduce your family to conversations about money. [0:07:01.2] Introducing Nudge: The Final Edition by Richard Thaler and Cass Sunstein, and the concept of libertarian paternalism. [0:08:50.0] Cameron shares his story of the week, an article from Magnify Money on how emotions can influence investor decisions. [0:13:53.3] An update on our response to a listener question on the CAPE ratio by discussing the work of John Cochrane on determining predictability. [0:17:24.2] We unpack a listener question on whether one should be looking to convert family members who fit into the average, active investor archetype. [0:21:47.6] What Benjamin has learned from Think Again by Adam Grant, about how to talk to people you disagree with. [0:24:15] How Benjamin experienced a revelation on index funds. [0:29:28.5] An examination of index funds and global returns over the last century based on the research of Dimson, Marsh, and Staunton and their book Triumph of the Optimists. [0:36:30.3] An in-depth look at how global events factor into Dimson, Marsh, and Staunton's data. [0:39:35.9] How dictatorships, civil troubles, wars, unsuccessful economic and monetary policies, and communism have prevented countries from transitioning from emerging to developed. [0:42:43] Cameron and Benjamin answer a Talking Cents card question by sharing the first big purchases that they saved up for. [0:50:47.6] Cameron and Benjamin answer a second card question: What is a creative way to save money in today's digital era? [0:52:53.8] Hear this week's bad advice from an Entrepreneur article titled: 7 Downsides to Passive Investing and Why it Can Be Bad for Your Portfolio. [0:54:09.2]

Odkazy z InfoPorno#53: textová verze newsletteru: https://www.jednoprocento.cz/p/210827 článek o Dominiku Cumminsovi v lokálních skotských novinách: https://www.ross-shirejournal.co.uk/news/wester-ross-restaurant-staff-grill-former-pm-aide-dominic-cu-248668/ uživatelé serveru OnlyFans si vybojovali, že na něm zůstane pornografie: https://www.politico.eu/article/onlyfans-reverses-decision-to-ban-pornography/ kde se vzalo slovo "woke" a jaké mělo původně význam (newsletter New York Times): https://www.nytimes.com/2021/08/17/opinion/woke-politically-correct.html debata pod mým statuse na Twitteru o tom, jak překládat slovo "woke": https://twitter.com/cermak/status/1427945340045602821 status s fotkou rakouského premiéra v letadle nízkonákladových aerolinií Eurowings: https://www.facebook.com/nikola.grubisic.1/posts/10214704894287624 průzkum společnosti MagnifyMoney, podle kterého vysoké procento lidí investuje pod vlivem alkoholu: https://www.thinkadvisor.com/2021/08/12/nearly-a-third-of-investors-cop-to-trading-while-drunk-survey/ můj článek na Seznam, Zprávy o seriálu Bílý Lotos: https://www.seznamzpravy.cz/clanek/blog-konec-bileho-heterosexualniho-muze-v-sesti-veselych-pokracovanich-173162 puntík na kružnici: http://www.bewitched.com/art/shortcut/ MapFight: https://mapfight.xyz/map/cz/ Proč je nebe modré? https://halftone.co/projects/why-is-the-sky-blue/

Marc Lichtenfeld, chief income strategist at The Oxford Club, says that lower-for-longer interest rates and bond yields that have had investors turning to dividend-paying stocks have helped push valuations to where investors are having a tough time getting good payouts, and that they might want to cast a jaundiced eye to investments where the yield is out of line with the market right now because companies that are unblemished are trading at premium levels, so the only bargains have some warts to worry about. Also on the show, Roxanna Islam of Alerian and S-Network Global Indexes discusses why closed-end fund distribution rates have been so high, even as most yields in investing are down, Kamaron McNair of MagnifyMoney.com talks about a survey in which a surprising number of respondents admit regrets over impulsive behavior -- including trading while intoxicated -- and Rob Lutts of Cabot Wealth Management talks about stocks and building a sound portfolio in the Market Call.

Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. / Rising food costs, why grocery stores are actually happy about that, and how you can save at the supermarket.  Clark Stinks and Ask Clark topics include:  Health care sharing ministries surge in popularity, Magnify Money analysis shows / Target Date Funds: Clark's Favorite Retirement Investment / Lightbox Jewelry / Latest Scams and Rip-Offs Want more money advice? Sign up for Clark's free daily newsletter! Free Advice: Clark's Consumer Action Center Learn more about your ad choices. Visit megaphone.fm/adchoices

What are you doing with your cash that's a complete "no-no"? Today we'll dive into some things that you should NEVER do with your money. We'll talk about banks, life insurance, debt products and also maybe advice that you find from online blogs. To help us, today we welcome the host of the Nurses on FIRE podcast, Naseema McElroy. She'll be joined by award winning blogger Len Penzo (LenPenzo.com), and our very own OG (other guy). July is a huge month for private scholarships. We'll detail ALL of the things that students need to do right now to make college easier. We'll share tips for existing college students, high school students, and even younger kids. Our doors are opening again (I know we already have many people on our wait list for this session....) for a short time, so check out StackingBenjamins.com/Scholarships. On our MagnifyMoney segment, Matt's spouse works for someone else and he's convinced she'd be better off self employed. What does she need to know to make the move? How can he help her see beyond the riskiness of not having a consistent paycheck from another employer? Naseema, OG and Len will all dive into this question. Of course, we'll also celebrate National Corn Day with Doug's amazing trivia challenge. Which of our panelists will be closest to the answer? You'll have to listen to find out. Enjoy! Learn more about your ad choices. Visit megaphone.fm/adchoices

Returning right on time to kick off theme park season, we welcome Robert Niles from Theme Park Insider. Due to some unforeseen circumstances, last year's season was cut short. Here's the good news: between new attractions, hot deals, and of course the world generally opening back up, there's a lot about Summer 2021 to look forward to. We've heard rumors that people have been smarter with their money than expected lately, and now we have some data to back that up. Ken Tumin joins us today to share the results of MagnifyMoney's annual April Savings Index. One thing to note, while people are saving, the top priority right now is funding vacation and travel. We don't want to rain on anyone's parade, BUT mom's curious to see how these numbers hold up after summer. More on the results and data during our time with Ken. Plus, Fidelity has announced a new (almost free) investing platform for teens. While parents need to have their own account at the company, teen accounts have no fees or commissions. Throw in some financial education with the low-risk early market exposure and we might call this one a win-win for everyone involved. Having some familiarity with the market and some understanding of what all the jargon means definitely will be a big help in many a young saver's journey. We finish today's show with a question from VJ, who's wondering if he should become a 1099 worker for his side-gig. He's currently a W2 worker and thinking about making the switch, but knows there are some tax implications to consider. While VJ isn't wrong to think about taxes, there's A LOT more that happens behind the scenes when you're running the show. OG shares some big points not only for VJ to consider, but anyone thinking about starting their own business. Of course, Doug also gets his share of air time and you can bet its going to be theme park trivia! Learn more about your ad choices. Visit megaphone.fm/adchoices

On today’s show we’re talking about putting information where people are looking. Gary Vaynerchuk is the CEO of Vaynermedia, a NYC digital marketing firm. Gary is one of these guys that has the notion of attention deeply ingrained in his being. He tells the story of how when he was a young boy he would run a bunch of lemonade stands. The lemonade stands were operated by older kids. Gary would post signs for the lemonade stands on trees and sign posts. Then he would sit by the side of the road and watch the eyes of motorists to see if they posted signs were catching the attention passing motorists. This is understanding the basics of attention at its most basic level. The fact is, we are overloaded with marketers trying to vie for our attention. So we tune the vast majority of it out. If you as an investor, a sponsor, or a developer want to connect with potential investors, you want to be paying attention to where people are looking. On February 22 of this year Magnify Money which is a wholly owned subsidiary of Lending Tree published a paper based on some market research they had conducted with their clients. There are a number of fascinating findings in this report. Nearly 6 in 10 investors 40 or younger are members of investment communities or forums, such as Reddit or a group of like-minded investor friends. YouTube is the top source for investing information among young investors, with 41% turning to the site in the past month. 22% of Gen Z investors say they were younger than 18 when they started investing, versus 8% of millennial investors. In fact, 40% of Gen Z investors say they were encouraged by their parents to begin investing, which backs the earlier start. Only 36% of young investors plan to use that money for retirement. Instead, 35% will primarily use those returns to make additional investments, while 19% will use the money to pay for a major purchase like a home or a car. As an investor, you might be thinking that having a YouTube channel is not the best way to reach your potential investors. You might be thinking that TikTok is an app for sharing short dance videos. But the fact is, a significant portion of the investing public are turning to these sources for information. Now you might decide that your ideal client is not a Tiktok user. But you should remember that Tiktok as 689 million active users on a monthly basis. That may seem like a small number when compared with Facebook’s 2.7B users or Youtube’s 2B users. That doesn’t mean you should ignore those other platforms. But 689 million users is a significant potential audience. You might be thinking that your investors are likely not millennials, and perhaps not even Get Z. There are not that many accredited investors in that age group. We’re really talking about targeting less than 1% of the population. But if you’re speaking to 1% of 689 million people, that’s still nearly an audience of 7 million people. Perhaps you want to be more selective and speak to the top 0.1%, that’s still an audience of 700,000 people. The key is to find the way to connect with people who are out there looking for you. This particular study provides new insights that were not part of the conventional wisdom when it comes to investment education.

Ed Clissold, chief US strategist at Ned Davis Research, says that the stock market should remain strong while the economy gets back to full speed, but he notes that things could change quickly thereafter and says investors will want to get defensive. He does not expect a recession or significant bear market, but believes investors will want to play defe3nse and choose buying opportunities carefully. Also on the show, Chris Vermeulen, chief market strategist for The Technical Traders, says that the market's technicals are all green lights right now, but that the color is likely to change with a consolidation move -- not necessarily a bear market but months of sideways to gradual decline -- that could start late this month and last into the fall. Plus, Ismat Mangla of MagnifyMoney.com discusses study research showing how the timing of retirement can impact lifetime housing costs, and Jennifer Barrett, author of, 'Think Like a Breadwinner,' discusses her book.

Legendary stock market observer Roger Ibbotson -- whose landmark research is the basis for most people believing that large-cap stocks deliver 10 percent per year -- has said for years now that investors should not expect the future to stand up to the past. The chairman of Zebra Capital Management says in The Big Interview that low interest rates and other conditions will make it that the market is more likely to deliver about 8 percent on average over the next quarter century, still good but a significant drop off that must be planned for. Also on the show, Matt Schulz talks about a MagnifyMoney.com survey on how much Americans have been selling things out of their home -- and how much they have been making -- during the pandemic, David Trainer revisits GameStop -- which he liked prior to when it became a meme stock -- in the Danger Zone, and Mark Rank talks about his recent book, 'Poorly Understood: What America Gets Wrong About Poverty.'

Brush off the passport, pack the bags, and plop down in your favorite lazy spot because we're going global on today's show! In this special Living Abroad episode, we invite world travelers living in various countries to share how they did it, what they should've learned earlier, and what life experiences they've gained since settling into their new lives. Joining our round table is a French native and former Guatemala-living Pauline Paquin from the Reach Financial Independence blog, Jim White from the Route to Retire blog (who moved to Panama with his wife and daughter at 43), and Travis Luther, author of Fun Side of the Wall, a book explaining why baby boomers are flocking to Mexico for retirement. Friday Fintech: Jassby - An App for Families After our trio wraps up all things travel Joe sits down with Benny Nachman, founder of the family money-sharing app Jassby. The app provides an easy-to-use system that lets parents assign responsibilities to children, pay allowances, and even setup a virtual debit card. Listener Voicemail: Gifting Stocks? During our MagnifyMoney segment, we take on a question about gifting stocks to students from high school teacher Jake. Additionally, he asks, is there a good way to buy fractional shares as a gift? A few of the stocks his students are interested in are a few hundred dollars a piece... not exactly feasible to buy for a whole class. As always, Doug has some post-Fintech airtime to deliver his game-show trivia. Enjoy! Learn more about your ad choices. Visit megaphone.fm/adchoices

Spend less than you earn, invest, Stack Benjamins, and retire to a beach for the rest of your life, (or insert personal retirement fantasy here). It sounds simple... right? As a set of guidelines, sure it's simple. BUT in reality, it's not so easy, and as studies have shown time and time again, doing your dream retirement activity (like golf) every day gets old very quickly. While money is obviously the most important component to any retirement, the "to-do" list doesn't stop there. Helping us fill in the blanks, and joining us for our round table today, we welcome CFP Dana Anspach from Sensible Money, Len Penzo from the LenPenzo.com blog, and our very own OG. EverPlans: Introducing a company helping you plan for the worst. After our contributors get their fill on retirement advice, Joe sits down with the founders of Everplans, a company designed to help you store key information in one place in case of the worst happening. During our Friday Fintech interview, company founders Abby Schneiderman and Adam Seifer explain why it's so important for your loved ones to have easy access to your important documents, and how quickly things can go wrong when your family can't access your information. They take a topic most of us would rather put off and share stories that are fun, insightful, and actionable. We're glad to shine some light on the importance of making sure your family is taken care of in case of the worst happening. Should you hold onto bonds for a change to make money on the market? As always, we finish today's show with a MagnifyMoney question. Scott tells us he's holding long-term Treasury bonds in his portfolio with the hope the bonds will jump in price when the stock market crashes. He would then use the profit to buy stocks while they're low. Scott asks: do long-term treasuries still spike in a near-zero interest rate environment, or does that only happen when rates are cut? Of course, Doug gets airtime halfway through the episode for his game show, and he's in the holiday spirit today. You'll see what holiday season he means later... enjoy! 

Paul Wick, long-time manager of the Columbia Seligman Communication and Information Fund -- one of the most successful sector funds in history -- says that the long bull market in technology was built on top of falling interest rates, and that the next quarter-century will see a different rate trend that forces investors into more muted expectations. Wick says, however, that there are still reasonably valued tech stocks positioned to maintain explosive growth for the foreseeable future. Also on the show, Ken Tumin discusses a MagnifyMoney.com study showing that investors are giving up on savings bonds and certificates of deposit, David Trainer of New Constructs highlights the troubles ahead for Spotify and suggests investors look at Sirius-XM instead, and Dan Ives of the Wedbush ETFMG Global Cloud Technology ETF offers an extra helping of technology talk in the Market Call. 

Whether you've been investing for a week, for years, or anything in between, it's always a good idea to keep the fundamentals in mind. BUT....on the other hand, we love to have fun, and it's Friday after all! That's why today we're treating you to a Stacking Benjamins game-show version of "Guess the 10 Habits to Become a Better Investor!" We pulled a piece from M1 Finance listing their top 10 habits, and on this episode, we'll quiz our contributors on which strategies made the list. Not only do you get great investing tips from each of our three contributors, you'll find yourself laughing so much you won't realize you've learned a thing... until it's too late. Playing the game-show with us, we welcome Don McDonald from TalkingRealMoney.com, Paula Pant from Afford Anything, and Len Penzo from the LenPenzo.com blog. Think it's too late to make a career change? After we crown our game-show champion, we'll talk big career moves with the Evil HR Lady, Suzanne Lucas. Are you anxious about making an industry change? Think you've sunk too much time to make a move for your happiness? We'll talk sunk costs (both monetary and emotional), following your happiness, and the realities of leaving behind a career you've spent a considerable amount of time in - and the truth is probably brighter than you think. What should you do with you investments when you have large upcoming purchases? We'll finish our show today with a MagnifyMoney question from caller Debi, who tells us that she's looking to buy a home or condo in the next few years. She would like to acquire a few more properties after that and start to rent them out for passive income. Plus, she has a $10,000 savings bond that will mature in August 2021, along with another $10k each in savings and Robinhood. Our contributors give Debi some much-earned congratulations and advice on how to best position her money in the mean time. As always, we'll save some time for Doug's trivia. Enjoy!

Feeling stuck? Maybe it's time to move. Of course, it's a lot easier to write about moving than actually planning and doing it. And while a move may pay off in the long run, there could be a hit initially to your finances. With that in mind, today we ask our round table contributors: what exactly would encourage you to move? Better location? Pay? Maybe you want to escape the harsh Detroit winters? (I'll let you guess who had that complaint). It's a fun conversation that covers a breadth of topics in true Stacking Benjamins fashion. Helping us out today are our round table regulars: Paula Pant from the Afford Anything podcast, Len Penzo from the LenPenzo.com blog, and our very own OG. Halfway through the show, we'll give our contributors a break while Joe talks everything alternative investments with Michael Weisz, co-founder of alternative investments company Yieldstreet. During their interview, Michael covers everything from the company origin stories - a shocking reality check that a large percentage of everyday consumers were locked out of the alternative investments sector - to helping investors by cutting down average IRA rollover times from forty days to six. If you've ever wondered about other investment choices outside of stocks, bonds and funds, this is one interview for you. We'll end today's show with our MagnifyMoney segment. Caller Kevin tells us that his father passed away last year. While he isn't attached to the credit card debt his father left behind, he's heard the horror stories of banks hounding family members after a loved one's death. Kevin asks: what's the best strategy for dealing with the looming creditors? We'll give Kevin some heartfelt advice that we hope can make this time a little easier. Of course, we'll give Doug his airtime halfway through the show, and he's keeping things Texarkana Classy with today's trivia.

Love is in the air, and today, no matter your relationship status, you're gonna LOVE our discussion on your relationship with money. How is it? Is it healthy? Growing? Worrying? We'll discuss all of the emotions around money on today's show, featuring a cast of financial media peeps including Paul Ollinger from the Crazy Money podcast; Paula Pant from the Afford Anything podcast; and our very own OG. Plus, just in time for Valentine's Day, there's big news from the financial app for couples called Zeta. The founder of Zeta, Aditi Shekar is back, to share all of the details. If you have a relationship with someone AND you're trying to mix money in any way, you'll want to hear their news. Of course we'll still all have opinions for a lucky listener on today's MagnifyMoney.com call AND we'll battle it out over Doug's Valentine's Day themed trivia question. Enjoy!

How do you get to the top of your game? How far would you go to keep your business and personal social groups aligned with your goals? We'll quiz our roundtable, plus get their thoughts on the number one goal they're trying to attain currently. Our contributors this week are Sandy Smith from YesIAmCheap.com; Paula Pant from the Afford Anything podcast; and Len Penzo from the LenPenzo.com blog. After we finish talking about goals and dreams with our roundtable we'll pivot to our interview with Brian Hamilton, the co-founder and CEO of the new digital bank OneFinance. There's been a lot of great improvements in the digital banking industry, but Brian found a problem: it was hard to find a good bank that offered all the features someone would want. His solution? Make one. During our fintech segment, we'll dive into the making of OneFinance with Brian and talk about good business values, vision, and the digital banking landscape. During today's MagnifyMoney call we'll tackle a question on credit card rewards. Alan tells us he and his wife have been playing the rewards game and got up to $10,000 in 2020. He says it seems like a great side hustle and ask for our thoughts. As always, we'll give Doug some airtime halfway through the show to have this week's trivia game show. If you happen to be knowledgeable on the annual revenues of Wisconsin-based shower head companies, this one is for you. 

CNBC recently shared an investing quiz produced by Magnify Money that the average American only scored 40% right.   How did you do? Here's the quiz: https://www.cnbc.com/2020/06/29/average-american-failed-investing-quiz-find-out-your-money-score.html Other Resources from GoodFinancialCents.com: Investing for Dummies:  Basics to Investing https://www.goodfinancialcents.com/guide-to-basic-investing/ --- Micro-Investing – The Perfect Intro Investment Strategy for Millennials https://www.goodfinancialcents.com/micro-investing-and-saving-strategies

Life is about odds, and so are negotiations. How do you stack the deck so that you're "playing to the judge" the next time you're in a pressure discussion, high stakes negotiation, or difficult conversation? Today we're joined by a woman who teaches her students to interview better using many subtle (and not so subtle skills), the Scholarship Shark, Pam Andrews. Plus, Len Penzo has been involved in raise and workplace negotiations for the last 30 plus years, and OG has negotiated a ton with his kids, and sometimes he even wins! They'll all join in with their best tips on how to negotiate better. From what to say to non-verbal cues, we'll share LOTS of important ideas. Nearing retirement and think you'll need some help "landing the plane"? After we part ways with our roundtable contributors, we'll sit down with Rhian Horgan from Silvur, a retirement app designed to help you make better financial decisions leading into your golden years. We'll finish out the show with a MagnifyMoney question from Corey, who wants to build cash flow and long-term diversified wealth. He asks, what are our thoughts on investing in real estate? Corey says he wants his investment to be as passive as possible. Should he look into hard rental properties or REITs? Our roundtable will share their thoughts via Joe. (You'll have to see when you get there).

Not sure how to ask for a raise at work? Don't know how to initiate seemingly awkward money conversations with the people around you? This one is for you. Joining us today with their best tips on having an honest, productive dialogue around money are our roundtable contributors: Doc G from the Earn&Invest podcast; Len Penzo from the LenPenzo.com blog; and Paula Pant from the Afford Anything podcast. Halfway through the show, we'll pivot our money conversation towards data and money management with Brian Barnes, the founder of M1 Finance. We love data and graphs as much as the next Stacker (no really), but Brian approaches automation a little differently. Doing our Fintech segment we'll have a conversation on why less is more when it comes to the streams of information you use for investing choices. During our MagnifyMoney segment, our mystery caller asks if they should take on debt to finish their graduate degree earlier or take it a year slower and cash-flow their degree. Our caller assures us that her degree is in high demand. They ask: how do they determine the opportunity cost between waiting or taking on loans? As always, we'll give Doug some time in the spotlight with this week's trivia game-show.

Leo Jean-Louis is a first-generation Haitian-American money coach, author and personal finance content creator.. After Leo and his wife realized that their 6 figure debt was keeping them from living the life they wanted, they made a plan to pay off $224,000 of debt, and they were able to pay it off in 2.5 years! After his post of paying off debt went viral on social media, he and his wife founded Freedom Is A Choice Movement, a business created to teach millennials how to become debt free. In just 9 months, he has created a debt payoff plan for individuals and families totaling over $4.45 million! His money tips and personal finance journey have been featured on Yahoo Finance, the Steve Harvey TV Show, the His & Her Money Show, MagnifyMoney, and Northwestern Mutual, just to name a few. Leo lives in Atlanta, Georgia with his beautiful wife, Faith, and their firstborn son. Contact Information: WEBSITE: www.freedomisachoicemvt.com EMAIL: www.freedomisachoicemvt@gmail.com FACEBOOK: www.facebook.com/freedomisachoicemvt INSTAGRAM: @leo.jeanlouis TWITTER: leo_jeanlouis --- Support this podcast: https://anchor.fm/yoquierodinero/support

We're all tired of hearing about what a "dumpster fire" 2020 was. How do we reboot the computer, restart the machine, refresh the situation, and re-fire our financial engine? That's our topic today, and OG, Paula Pant (AffordAnything), and special guest Roger Whitney (Retirement Answer Man) all have helpful ideas about getting back on track. Halfway through the show we're excited to talk to our old friend (and Joe's co-host on the Money Tree podcast), Doug Goldstein. Doug's created a constant happiness journal. If you've been waiting for the perfect journal to have a more happy 2021 and beyond, Doug will share with you why he created this, how to best use a journal, and why journaling works for so many people. Finally, on our MagnifyMoney.com question of the episode: Jon is thinking about college costs for his four kids. He's heard the Stacking Benjamins expert, Pam Andrews (the Scholarship Shar), say that a HELOC, or equity in the home, can't be factored into the FASFA. Jon's kids are in private school and have to do something like FAFSA. Jon has $60,000 in savings and is thinking about putting two-thirds of the savings into a HELOC, to possibly get financial aid. Thoughts?

Today we stay focused on goal setting. We're turning our attention to our group of financial media members and asking them how THEY are achieving their own goals. They'll share how they communicate, hold family members accountable, and stay on track. Joining us today is special guest and host of the Seven Figures podcast, Sandy Waters; Paula pant from the Afford Anything podcast, and Len Penzo from LenPenzo.com. Halfway through the show, we'll give our contributors a break while we sit down with health and wellness expert Angelo Poli from MetPro.co. With the holidays over and the new year here, Angelo has some great tips to fatten up your wallet while you trim down the waistline. How are you going to grow your net worth without a healthy body to keep you focused on the prize? We'll share how. Plus, how can early retirees make sure they have enough reserves in the bank to take care of emergencies down the road? During the MagnifyMoney segment, our contributors drop some knowledge for Laura, who called in asking about preparing for early retirement with a preexisting condition. Plus we'll save time for all-new game show trivia from the big man himself, Doug. Enjoy!

Sponsors:  Jen- Debt-Freedom Roadmap- It’s not too early to start thinking about your 2021 financial goals especially if one of those goals is debt freedom! Over at Modern Frugality I have created a Debt Freedom Roadmap to help you see where you’re at on the road to debt and financial freedom, make sure you’ve hit all your major landmarks, and what various detours might look like. If you want a little more clarity about the financial road ahead visit modernfrugality.com/debtfree to get your free roadmap. Jill- ME telling you all about my dear friend Jenna Ball - jenna has been a friend of mine since the 10th grade and like any good and refined thing she has only gotten better and cooler over the decades! she is a woman of class, character, competence, care, kindness,generosity, intelligence, and humor! You just need to know this because recently I used an example about boundaries from an experience in our friendship years ago. I never mentioned her name - but she knew it was about her. And this is certainly not the thing to know about her! She doesn’t shrink back from anything - including calling me out on using her as example on a recent episode about setting boundaries.  Headlines https://www.moneycrashers.com/reasons-get-out-debt Jen-  1. More free income 4. Better credit score Jill-  3. Less risk - “you’re always just one financial blow away from disaster” 5. Better job prospects (or at least more rewarding!) - “You feel a lot more motivated to work harder when you get to keep the money you make, rather than spending it all on debt payments. And if you’ve been stuck in a job you hate because you needed the money to pay those credit card bills, paying off the debt frees you to look for a new job that’s more rewarding.” 6. Less stress 10. Fewer illnesses - ‘people with high levels of debt-related stress are more than three times as likely to suffer from ulcers and other digestive problems as people with lower debt stress.’ 14. Better relationship Personal Finance Statistics (https://www.debt.com/statistics/) Ep 14 Amanda paid off six figures in Cali 18 Allison paid off six figures on two teachers salaries 35 Merilee paid off six figures on a single income 65 Chris in Cali 74 sarah paid off over 30k single 92 debt pickin mom 95 debt free life Jen-  “In 2016 the average household earned $74,664. Average expenditures were $57,311, leaving $17,353 in free cash flow” Median is $68,000. “A Gallup poll found only about 1/3 of Americans (32%) maintain a household budget.” “Only 30% of Americans have a long-term financial plan that includes savings and investment goals You’re most likely to budget if you make at least $75,000 per year The average American spends less than 4.5 hours a year with scheduled time on their calendar for finances, according to Calendar.com.” a separate 2017 survey by Career Builder found more than three-fourths of U.S. workers they surveyed struggled to make ends meet. One in 10 earn $100,000 or more annually 28% earn $50,000 – $99,999 yearly Jill-  “Americans spend $1,048 on holiday decorations, food, gifts, and shipping costs.” “A 2018 study from MagnifyMoney reported they borrowed $1,230 to fund the holidays – and 64% didn’t plan to.” low income is not always to blame for financial hardship. Only 1 in 5 people (20%) facing financial hardship fall below the poverty line and make less than $40,000 per year BILL OF THE WEEK - SP Samara from Rhode Island about family members named Bill If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to leave us a bill Busuu Ad for 138 (12/11) Jen- Ever since we went to Mexico last year Travis has been all about trying to learn Spanish before we go back and he’s had more time to learn than anticipated so he’s been trying a bunch of language learning apps including Busuu, and he’s really liked it. Jill- Busuu teaches 12 of the world’s most popular languages including Spanish, French, and Italian. You can practice your new skills immediately with native speakers of the language you’re learning and you can help people learn English! Jen- Busuu comes with loads of smart features – like a Study Plan to help keep you motivated and organised – and vocabulary and grammar training tools that make sure you remember what you learn. You can start learning for free, or choose to get a Premium plan to unlock more fantastic features. Jill- Start learning with Busuu by visiting busuu.com (that’s b-u-s-u-u dot com) or search Busuu on the iOS App Store or Google Play. To upgrade your learning with 30% off Busuu Premium, use code FRUGAL. Lightning Round Turning points: why paying off debt was important to you and when you realized it was possible to pay it off. Jen-  My debt was a mental and emotional burden. It was a source of depression. So much so that I compartmentalized it and hid from it. So it didn’t become important to me until it was important to my fiance. Jill- don’t think there has been a time I ever felt comfortable ‘owing’ people something. BUT seeing the bill for the first time - reality struckKnew I would pay it off and just thought it would take me FOREVER!! It was overwhelming to me to graduate college and realize the amount of money I owed, the interest that would be collected, and the wage I was making (literally made me sick to my stomach!) Jen- I didn’t realize it was possible until we put everything on the table and really inspected the numbers. Jill- As my wage increased it became more and more apparent that I could pay off debt quicker than I realized

Maybe you've heard the Jim Rohn phrase, "You are the average of the five people around you." Is that true for you? Probably. If you're looking to improve either your net worth, your career, or just your friendships, giving careful thought to your "tribe" will pay dividends. Today we'll work from a recent Tony Robbins piece on this topic with three people who work hard to surround themselves with good, uplifting people. Aaron Velky, the head of the Stacking Benjamins Money Club (but probably more important, the head of financial education company Ortus Academy), will give us some great advice. Also, we'll hear great ideas from Paula Pant from Afford Anything and OG as well. It's a great episode that you'll want to listen to before setting your 2021 goals. Plus, our Stacking Benjamins Scholarship Mastery course is about to go into session! If you are either heading to school yourself, have a family member or friend in school, or a high school junior or senior, we're going to tell you all of the important dates coming up this year for scholarships AND we'll detail how our course works so you can get in before the deadline, which is Friday, December 11th. Our anonymous caller to the Magnify Money line today is receiving a $500,000 inheritance. His parents want him to connect with their financial advisor, but he's been doing good so far by investing in low-cost funds on his own. Our caller and his wife has have no debt other than their mortgage. He asks: is it time to bring an advisor on board, or should he stick with what's been working so far? With everyone posting their year-end music reviews, Doug decided to share some of his own. Fancy yourself top-notch when it comes to your music trivia? Today is for you. Enjoy!

Let's not mince words. It's been a pretty s%$! year. BUT there have been TONS of fantastic financial lessons you could have learned from 2020, and many skills you've probably figured out already that you NEED in the future. So what are those skills? We'll share the top 5 list our friend Katie Brewer, CFP listed on a recent blog post. Here to help us dive into their take on all of these skills is Joe's co-host on the Money With Friends podcast, Bobbi Rebell. Plus, from Afford Anything, we'll get help from Paula Pant...AND from Len Penzo dot com, we'll hear from Len Penzo. In our Friday FinTech segment, we'll speak with Qube founder Ryan Clark about how they've created an envelope budgeting system for 2020 and beyond. Not familiar with the envelope budgeting system? We'll explain how it works AND how Ryan's team uses technology to help you do better with your money. Plus, during our MagnifyMoney.com segment, we'll take a question from a listener who wonders what designations he should pursue to coach people on their money. He's thought about becoming a Certified Financial Planner, but thinks for the type of coaching he wants to do, that it might be overkill. You'll love how the team today discusses which designations might be best (spoiler: we don't agree). Of course, we'll also leave time for Doug's amazing trivia challenge, which today is all about the World Wide Web. Can you nail the answer without looking it up? Enjoy!

On today's show, we bring you a cornucopia of November financial topics! Is your rule of thumb going to leave you broke in retirement? We'll start off by talking about the nerd's updated version of the 4% rule and maybe throw in some advice explaining why generalized guidelines aren't the best investing strategy. Plus, in homage to our older roundtables, we'll give our contributors a few more headlines to chew on, including a new plan to push required minimum distributions to 75, AND our roundtable will cover the new college savings plan ranking system from Morningstar. Making today's super-show happen is our amazing team of contributors: Michael Anderson of the Big Idea podcast; Paula Pant from the Afford Anything podcast, and from our very own podcast, OG. Halfway through the show, we'll FINALLY share our main topic, bow to avoid a holiday hangover. Joe and Belinda Rosenblum will talk about how to set up a strategy to make sure this is the year you finally are able to get ahead financially, or at the very least, stay afloat during the holiday season. We'll finish today's show with some salacious gossip thanks to our question from Shane. He says that he loves our pieces on financial crimes, but what about the the less popular crimes? Shane wants to hear about daring financial crimes like money laundering and check kiting. Does our panel deliver? Yes! So make some popcorn, sit back, and enjoy this week's MagnifyMoney segment. Of course, we'll always save some time for Doug. Think you know your sports history? You'll love Doug's question today. 

What's more spooky than an investing story gone wrong? Nothing... if we're discussing your net worth. Today the Fintern brings us back to our time with CFA Rick Ferri, who dropped by the basement and scared us silly with some absolutely HORRIBLE investing stories. Plus, Nick Clements from MagnifyMoney.com also joined the show to talk about our (then) recent discussions around technology and pricing structures. Of course, we also had headlines, Doug's trivia, and more. Enjoy!

Mark Newton of Newton Advisors says that he expects the year to play out like 2018, when the stock market peaked in October and then suffered through the end of the year. Newton says that if the Standard and Poor's 500 breaks through 3,380 -- a level it nearly hit on Monday -- investors could be in for a slippery slope through December, a decline exacerbated by struggles among technology stocks and broader pressures facing popular stocks. Also on the show, Brian Estes of Off The Chain Capital talks bitcoin and cryptocurrencies, Sarah Berger of MagnifyMoney.com discusses the regrets investors report feeling over stocks they sold at the beginning of the pandemic, and David McInnis of the East Paces Group discusses how to deal with the volatility he expects to see after election day,

Worried it's next to impossible to get your finances in order by this point? What if I told you it could happen by Thanksgiving? (For those of you caught in the infamous 2020 haze, that's a little more than a month away). Today our roundtable crew share their personal tricks of the trade they employ to manage their budget, lower their expenses, and keep charge of their finances. Joining us on our roundtable is the mind behind the Own Your Money brand and Stacking Benjamins' partner in our Making Money Easy course, Belinda Rosenblum; Kevin Payne from the popular Family Money Adventure blog; and basement regular Len Penzo... from the aptly named Len Penzo dot com blog. After our contributors finish sharing their top finance tips, we'll give them a break while we shine some light on small businesses and what they've been experiencing this year. Helping us shine that spotlight is Kabbage co-founder, Kathryn Petralia. Kabbage was the second biggest PPP loan provider, and Kathryn will share the mistakes she's seen businesses make, what businesses should be doing right now, and what we can maybe expect in the future. We'll finish out the show with our Magnify Money segment - our caller Jambalaya wants to self-insure his health costs. He breaks his plan for his, and makes sure to let us know that he's otherwise healthy. Jambalaya asks for our seal of approval: is his plan sound, or, in his words, "should I keep it simple stupid?" Our roundtable will share their thoughts on our caller's plan. Naturally, we'll make some airtime for Doug's Friday trivia game show. This week's question? The original iPod sale price!

Most of us are frustrated by our paycheck. Are you a Henry? That's "high earner, not rich yet." Maybe you know a Henry and are confused how someone who makes so much money is constantly broke all the time? While our topic today covers money mistakes made by high-earners, workers of all income-levels will find today's advice relevant to their wallets. Plus, ever dream about owning rare baseball cards, vintage cars, or maybe even a jersey? Halfway through the show we'll dive into the world of investing and collectibles with Rob Petrozzo, co-founder of Rally. While you might not have the cash to buy a classic Aston Martin, you could invest in some shares. During our Magnify Money segment we have a big question that Brian posted in our Basement Facebook group on behalf of his neighbor. Brian's neighbor has had a rough go financially so far, but he's looking to turn things around. With bad credit, a felony, and a foreclosure on the record where should Brian's neighbor start? Plus, we'll make some time's for Doug's weekly trivia game show. 

In a recent online survey conducted by MagnifyMoney.com, people with investment accounts were asked about any regrets they had. It turns out that 77% did have a regret. In this show we find out what those regrets are and talk about how to avoid them.

Happy Brown Ambition Wednesday!We are looking for listeners to feature their debt payoff success stories on the show!Know anyone who's interested in being a guest?Email us at brownambitionpodcast@gmail.com!As mentioned on the show, you can shop and compare secured card offers at MagnifyMoney's marketplace > Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee omnystudio.com/listener for privacy information.

Happy Brown Ambition Wednesday!On today's show:A long-awaited health/family update from TiffanyWhat happens when taxes go unpaid?When's the right time to ask for a credit limit increase? Resources mentioned: MagnifyMoney's guide to handling tax debtXY Planning Network, a great resource if you're looking for a fee-only financial planner.  Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee omnystudio.com/listener for privacy information.

One of the most challenging areas of life, much less running a business, is the area of finances. There are so many options when it comes to income sources, investment accounts, and business opportunities. If you've had trouble getting your financial house in order, you're in for a treat because today's episode features Tiffany Aliche, the Budgetnista! Rosetta and Tiffany have a great conversation that shares Tiffany's journey but also reveals some very basic but powerful financial steps you can take to make more of your money right now. You won't want to miss this one. [Tweet "Automation is the new discipline when it comes to getting ahead financially"] Building a vision for what would become a dream. The steps from where you are to where you dream you could be are not fast and they are not without pain. Tiffany Aliche's dream to become a financial mentor wasn't even fully formed when she first started helping people with her finances. She was a teacher and would often have conversations with the parents of her students about financial issues. When the non-profit school where she worked laid her off because of budget cuts, Tiffany decided that she should make a business doing the financial training that she loved. On this episode you're going to hear her story of coming up through the ranks and working hard to become the Budgetnista. When you first get started, finances are slim. Tiffany Aliche started her business from her laptop, living in her parent's home at the age of 29. Her goal was to get out on her own and see the fruits of her labors in a thriving business. Soon she moved into a house where she paid $500 for a room each month. Over time, she's grown her business to fully support her, to provide for paid, full time staff, and to bring some virtual help onto her team as well. Her speaking fees, which started at $100 are now over $10,000. You'll hear a lot of hard work and patience expressed, but even more, the determination of a happy black woman who would not let her dream die. [Tweet "Inconvenient money is the money that gets saved. Make it hard to get your cash"] How you can begin to achieve your financial goals this year. One of the highlights of this episode is Tiffany's practical approach to saving and investing hard earned cash. In this episode she shares 2 very easy things you can do to maximize your savings now and make it harder for you to tap into that savings for unneeded things. She's also going to show you the power of multiple bank accounts, and the importance of having an online bank account. You'll get so much value out of her financial tips, so make sure you listen. The #1 tip for Happy Black Women who want to start their own business. If you've got a dream you want to pursue, a business idea that you want to put into action, there's only one piece of advice the Budgetnista has for you. Get started. You can't wait for everything to be in order before you act, because it never will be in order. You've got to fail fast. Get the mistakes made and learn from them. Then you'll be ready to move past them to greater areas of success in a much shorter time frame. Tiffany's passion comes out loud and clear as she talks about the importance of getting started, so take some time to invest in yourself by listening to this episode. [Tweet "The #1 tip for Happy Black Woman who want to start a business, on this episode"] Outline of this great episode: [0:24] Rosetta's introduction of her guest, Tiffany Aliche. [1:40] Tiffany's description of what she does and what her mission is. [3:20] How Tiffany built her dream and eventually an online empire. [7:35] How Tiffany kept going when finances were slim. [12:00] Raising rates and seeing greater success. [15:23] Specific action steps to help you live your dreams this year. [21:46] How does Tiffany keep her life organized and effective? [27:39] Tiffany's favorite book. [29:15] Personal mantras Tiffany is following this year. [32:27] The #1 tip for Happy Black Women who want to start a business. [34:41] How to connect with Tiffany. Resources mentioned in this episode: www.LiveRicherChallenge.net - The Free Online Financial challenge. http://thebudgetnista.com/ www.MagnifyMoney.com www.Internships.com BOOK: The Alchemist Tweets you can use to share this episode: [Tweet "Live in joy. Despite the difficulties in life or business, find the joy in the moments"] [Tweet "Fail fast. Succeed faster. You're going to mess up, so just accept it and get started with the journey"] Thanks for listening! Please subscribe, rate and review… Thanks so much for joining us on the podcast this week! Be sure to leave me a note in the comments below with your #1 takeaway from the show. Don't forget to subscribe to the show to get FREE automatic notifications when each new episode goes live! Subscribe via iTunes (for iPhone) Subscribe via Stitcher (for Android) Finally, please consider leaving an honest rating and review for The Happy Black Woman Podcast on iTunes or Stitcher to help spread the word about the show and help more black women find our tribe! Join the Happy Black Woman Facebook Tribe: Join our Happy Black Woman Facebook Tribe to connect and network with like-minded women from around the world! Click here to request access to our private Facebook group.