Podcasts about paychecks balances

In this episode of CLIPPED, Eric's breaking down the ten thousand hour rule and why so many agency owners, freelancers, and online coaches struggle to find success. If you're not seeing results, it might be because you haven't put in the reps—yet. This episode dives into what the 10,000-hour rule really means, how mastery requires time and effort, and why so many people try to skip the hard work. Eric also shares his own 10,000-hour journey—from running errands at recording studios to building a podcast production company. By the end of this episode, you'll understand why cutting corners leads to failure and what you need to do to actually get good at your craft. A Word From Our Sponsor: This podcast is sponsored by Riverside.fm—my favorite platform for recording high-quality remote podcasts and videos. With 4K video recording, AI-powered tools like Magic Clips and automated transcriptions, and seamless audio syncing, Riverside makes content creation easier than ever. Try it out at Riverside.fm and enter promo code CLIPPED for 20% off. The 10,000-Hour Rule: Key Takeaways What is the 10,000-Hour Rule? Popularized by Malcolm Gladwell, this concept suggests that true mastery takes at least 10,000 hours of deliberate practice. Becoming great at something requires repetition, failure, and continuous learning. Professionals don't cut corners—they put in the work and develop real expertise. Why Are Agency Owners and Coaches Struggling? Lack of Real Skills: Many jump into business without actually mastering a craft. Selling Theory, Not Experience: Too many coaches sell courses or strategies they've never implemented themselves. Shortcut Mentality: AI tools and quick hacks can't replace the years of experience needed to develop true expertise. Eric's 10,000-Hour Journey in Audio Started interning at 17 Hertz Studios in North Hollywood—running errands, setting up mics, and learning the ropes. Worked at Paramount Recording Studios, recording, editing, and getting yelled at (a lot). Transitioned to podcasting in 2015, building The Podcast Haven from the ground up. Cold-emailed hundreds of podcasters, landed clients like Kimberly Snyder and Paychecks & Balances, and grew a sustainable business through years of hard work. How to Actually Get Good at Something Do the work before you sell the solution—learn by doing, not by theory. Master the tools of your industry—whether it's Pro Tools, Google Ads, or video editing software. Go through the struggle—get used to high-pressure situations, criticism, and iteration. Test, fail, refine, repeat—real mastery comes from constant improvement over time. Listen To Past Podcast Episodes: How To Record a Video Podcast On Your iPhone: Easily Podcast In 4K! How To Get Your Show Featured on Apple Podcasts: Follow These Tips! The Top 5 Podcast Tools For Recording, Editing, Marketing, Audience Growth, and Discoverability Connect with The Podcast Haven: Homepage LinkedIn Blog YouTube Instagram

In today's Flashback Friday Featured episode, We've talked about financial wealth but we're putting the focus on mental wealth. Now more than ever, in these uncertain times, we all need to know how to take care of ourselves. Rich Jones sits down with us today to share his story of healing and shifting into a more holistic lifestyle. From personal finance advice, he also talks about centering his work more on holistic wellness, which he believes is essential to our physical and mental health. Rich is the host of The Mental Wealth Show and Executive Editor of Find More Balance, a multimedia platform dedicated to holistic wellness for high performers. He's also a master's track and field athlete competing around the country in the long jump. By day, Rich works in Diversity, Equity, and Inclusion at Google.   ________________________________ FREE Discovery call for The Microfamily Investing Accelerator  https://calendly.com/noirvest/themicrofamilyinvestingaccelerator?month=2023-04 ________________________________   [00:01 - 09:47] Who is Rich Jones? His season of healing and going back to being a track and field athlete Seeking holistic wellness and helping others to know about it Rich explains the benefits of ice baths [09:48 - 31:45] Going Through a Holistic Journey How Rich is using his credit cards to fit his lifestyle Effectively accumulating points Taking a mental health leave from his job and learning about his CPTSD Building his support system and how it helped him with his struggles, especially with alcohol Getting to the root of his issues with EDMR therapy It's never about what's happening in the moment Shifting from Paychecks & Balances to Find More Balance Personal finance is still important but it's about looking at a bigger picture Being able to speak publicly about his problems is a testament that therapy and self-care works Why you need to find time for yourself [31:46 - 39:11] Closing Segment The final 2 questions Rich on diversification: Take a pause when you need to and don't do too much at the same time Connect with Rich! Key Quotes: “I've really been learning through this holistic journey how to create a lifestyle that works for me. And that allows me to achieve more of what I want in life while also still having financial freedom and not creating debt for myself.” - Rich Jones “When we get triggered, it's never about that thing that's happening in the moment. It's about something that was encoded and embedded a long, long time ago.” - Rich Jones “There has to be some time that like, you carve out that's just for you and once you get consistent about it, you train everybody else around you that like that time as you.” - Rich Jones Connect with Rich Jones! Follow him on LinkedIn https://www.linkedin.com/in/iamrichjo... Instagram https://www.instagram.com/iamrichjone... Twitter https://twitter.com/iamrichjones Head over to the Paychecks & Balances website https://paychecksandbalances.com/ and the Find More Balance website https://findmorebalance.com/ to know more about the work he does.   Let's get connected! You can find Nicole on LinkedIn https://www.linkedin.com/in/nicole-pe... Instagram https://www.instagram.com/nvestornikk... or Facebook https://www.facebook.com/nvestornikki or Visit her website https://noirvestholdings.com    LEAVE A REVIEW & SHARE THE WEALTH by SHARING this EPISODE with someone who wants to learn the secret strategies of the wealthy and build an abundant life. You can listen to previous episodes of Share the Wealth Show here. https://podcasts.apple.com/us/podcast...  

We've talked about financial wealth but, in this episode, we're putting the focus on mental wealth. Now more than ever, in these uncertain times, we all need to know how to take care of ourselves.    Rich Jones sits down with us today to share his story of healing and shifting into a more holistic lifestyle. From personal finance advice, he also talks about centering his work more on holistic wellness, which he believes is essential to our physical and mental health.   Rich is the host of The Mental Wealth Show and Executive Editor of Find More Balance, a multimedia platform dedicated to holistic wellness for high performers. He's also a master's track and field athlete competing around the country in the long jump. By day, Rich works in Diversity, Equity, and Inclusion at Google.  Do you want to build wealth for yourself and your family? You need THE LAUNCHPAD. Click here to learn more!   [00:01 - 09:47] Who is Rich Jones?  His season of healing and going back to being a track and field athlete Seeking holistic wellness and helping others to know about it Rich explains the benefits of ice baths   [09:48 - 31:45] Going Through a Holistic Journey How Rich is using his credit cards to fit his lifestyle Effectively accumulating points Taking a mental health leave from his job and learning about his CPTSD Building his support system and how it helped him with his struggles, especially with alcohol Getting to the root of his issues with EDMR therapy It's never about what's happening in the moment Shifting from Paychecks & Balances to Find More Balance Personal finance is still important but it's about looking at a bigger picture Being able to speak publicly about his problems is a testament that therapy and self-care works Why you need to find time for yourself   [31:46 - 39:11] Closing Segment The final 2 questions Rich on diversification: Take a pause when you need to and don't do too much at the same time Connect with Rich! Key Quotes    “I've really been learning through this holistic journey how to create a lifestyle that works for me. And that allows me to achieve more of what I want in life while also still having financial freedom and not creating debt for myself.” - Rich Jones   “When we get triggered, it's never about that thing that's happening in the moment. It's about something that was encoded and embedded a long, long time ago.” - Rich Jones   “There has to be some time that like, you carve out that's just for you and once you get consistent about it, you train everybody else around you that like that time as you.” - Rich Jones Connect with Rich Jones! Follow him on LinkedIn, Instagram, and Twitter. Head over to the Paychecks & Balances website and the Find More Balance website to know more about the work he does. Let's get connected!  You can find Nicole on LinkedIn, Instagram, or Facebook. Visit her website https://noirvestholdings.com    LEAVE A REVIEW & SHARE THE WEALTH by SHARING this EPISODE with someone who wants to learn the secret strategies of the wealthy and build an abundant life. You can listen to previous episodes of Share the Wealth Show here.

In this episode, we talk about money with Rich Jones, our inaugural first male guest! Rich shares his personal experiences and how he turned his tribulation into TRIUMPH and a successful business, inspiring Millenials and Gen Y's to make good money and wise career decisions. Rich is the host of The Mental Wealth Show and owner of Paychecks & Balances, a multimedia platform dedicated to helping ambitious professionals achieve their personal, career, and financial goals. He's also a master's track and field athlete competing around the country in the long jump. https://paychecksandbalances.com/ Social Media @richjones --- Send in a voice message: https://anchor.fm/invisiblewomen/message

Today's guest is Rich Jones. Rich hosts the Paychecks & Balances podcast, where he shows you what's possible personally, professionally, and financially — all while having some fun along the way. Beyond the podcast, Rich is a Masters' athlete, mental wealth advocate, and purveyor of positive vibes. Today Rich will share his personal memory memoir with us. He shares the unusual path that led him to become a personal finance podcaster even though he doesn't consider himself a financial expert. He will also talk about the impact his mental health has had on his finances and other areas of his life and the importance of building Mental Wealth. In This Episode We Discuss: The little efforts we can make to inspire people and change the course of their life Using the process of elimination in life to find out what the right lane is for us How the way we feel about our finances can impact other areas of our lives What it means to be Mentally Wealthy The negative role drinking and other coping mechanisms can have on every area of life including finances Why we need to stop making excuses in order to make real progress Importance of showing yourself grace and giving yourself permission to take care of yourself How to stop letting life happen to you and your finances The importance of reflecting on your life and finances to determine what you really want How “wealth” is about more than just your finances What looking at your bank statement can teach you about other areas of your life Learn more about Rich Jones by following him on social media: Instagram: @paybalances and @iamrichjones Twitter: @PayBalances and @iamrichjones Facebook: @paychecksandbalances LinkedIn: @paybalances Website: https://paychecksandbalances.com/ If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams

When partners no longer share a vision or priorities, it is difficult to move forward together. How do we decide when it is best to end a partnership and pursue something independently, and what systems should be put in place to ensure a smooth transition? In this episode, Sarah Li Cain speaks with Rich Jones of Paychecks and Balances about how he and his podcast co-host decided to go their separate ways, the difficulties of a one-man operation, and the lessons from this split. Episode Highlights: A more detailed account of the split between the co-hosts of Paychecks and Balances How Rich Jones found the motivation to press on despite near burn-outs The future vision and direction for Paychecks and Balances Hindsight and lessons from the split with his co-host Rich is the founder CEO & Founder of Paychecks & Balances, a multimedia platform dedicated to helping millennial professionals navigate their finances and career so they can achieve the freedom they want. Beyond P&B, Rich has 11 years of experience working in staffing and human resources across industries and in 2018 became 100% debt-free. He’s been building online brands since 2008 and podcasting since 2013. By day, he’s an Internal Communications & Change Management Specialist at Google.

In today's episode, we will speak to my friend Rich Jones from Paychecks & Balances. While he runs his successful podcast with his friend Marcus, he also works as an Internal Communications Manager at Google for his day job. He has been working for about 12 years in recruitment and staffing in various companies and I thought it would be great to invite him on the show to discuss how one can stand out in a tough job market, especially now. We will discuss the current job market situation and Rich will provide great insights and tips for optimizing your LinkedIn profile so you can stand out as a job seeker even during these difficult times. This episode is for you if you are currently looking at transitioning into a new role but as well if you are employed and looking at networking and optimizing your LinkedIn profile so you can get noticed for future opportunities. Enjoy!  Jonathan  Show notes: https://joneytalks.com/2020/09/24/richjones If you liked this episode, please leave a review on Apple Podcasts and do follow us on social media as well for more great content, check our Facebook, Instagram, Twitter, and join our e-mail list. I would love to connect with you!  

In this episode I chat with Sarah Holden and Tina Kilroy from the Investment Company Institute and Jen Smith from the Modern Frugality Blog about the state of retirement savings in the midst of the COVID-19 pandemic. Plus Rich Jones from Paychecks & Balances talks about his dry July.  

Pay off debt first or invest in real estate? That's a question we discuss with today's guest! We are excited to sit down with Lauryn Williams, four-time Olympian, student loan advisor, and certified financial planner, to discuss how you can strategically deal with student loan debt and still invest in real estate and achieve your goals. Lauryn takes the skills learned from her road to gold and applies them to building financial wealth and running her business. We cover so much with Lauryn like student loan payoff strategies, how to break bad habits that limit your success, and the power of being intentional with the way you speak about budgeting and your goals. Lauryn also delves into finance and budgeting apps that help track spending and automate your savings.  Lauryn Williams is a CFP® and student loan advisor at Student Loan Planner. To date, Student Loan Planner has consulted on over half a billion in student debt. Prior to joining the SLP team, Lauryn was a four-time Olympian athlete and three-time Olympic medalist. Lauryn owns a financial firm called Worth While and is the host of the Worth Listening podcast. Lauryn has been featured in Journey to Launch, Paychecks & Balances, Financial Grownup, the Student Loan Planner podcast, Trailblazers.FM, Work Your Wealth, and Hope Sports to name a few. On today's episode, we discuss a ton with Lauryn, including: –      Which student loan payoff strategy is best for you –      The three skills needed to run a successful business –      How much money should be in your emergency and financial freedom funds –      The importance of time-block your schedule –      How to invest in real estate with student loan debt Books/Resources Your Money or Your Life by Vicki Robin and Joe Dominguez Mint You Need a Budget   Contact Information StudentLoanPlanner.com Worth-Winning.com Worth Listening Podcast   We are so beyond EXCITED to share that we are hosting the first ever Real Estate InvestHER® Summit on Friday, June 12th! We are bringing together KICK ASS InvestHERs to share their knowledge and experience to help you take your real estate investing to the NEXT level! You will learn how to creatively finance deals, construction strategies, how to improve your biz, how create balance in your life NOW and MUCH more!! Click here to save your seat!    Looking for Funding? Ladies, you need to check out Fund That Flip! We are excited to tell you about Fund That Flip, a company we are very proud to call our sponsor. Fund That Flip is the leading provider of fast, convenient, affordable capital for experienced real estate investors who buy and rehabilitate residential properties. To date, they have helped hundreds of real estate investors grow their businesses by funding thousands of deals. You deal directly with them, getting your deal funded in as few as 10 days.  85% of their customers come back to do more business with them because of their dedication to exceptional service. It's why they were named No. 42 of Inc.'s fastest-growing companies in America.  What do they fund? ·     Fix-and-flip ·     New construction ·     Buy and Hold Properties ·     Cash-out refinance projects from 1-4 units Real Estate InvestHERs, Get $500 towards your next closing! Check them out by visiting – www.fundthatflip.com/investher    InvestHER Community Our mission is to support and inspire women real estate investors around the globe to live a financially free and balanced life. We are dedicated to creating empowering online and in person communities where women have a non-intimidating environment to ask questions and receive the support they need. Our vision is to see all woman investors achieve her financial freedom goals on her own terms. How To Join the InvestHER Movement   1) The Real Estate InvestHER Podcast - The weekly show details the journey of some of the most amazing women real estate investors around the world, who open up their lives and share practical and strategic tools for growing a rental portfolio, flipping houses and the mindset that allows them to run a successful investing business while taking care of their families and most importantly taking care of themselves.  • Subscribe via Itunes  • Subscribe via Android • Subscribe via Stitcher  2)  InvestHER Community on Facebook  We have 2k+ members in our Facebook InvestHER Community (and growing!) This is a safe place for women to ask real estate investing questions and gain the support they need to achieve their goals!  3) InvestHER Meetups Around the Globe We have over 4k+ meetup members attending close to 25 InvestHER Meetups across the country and Canada. Meetups are being held monthly by experienced InvestHER Leaders! Learn more about our InvestHER leaders, meetup locations, and how to become an InvestHER Leader HERE! Follow us on: Facebook: @therealestateinvesther Instagram: @therealestateinvesther

Colin Nabity, the CEO of Breeze Insurance joins Rich today for another episode of Paychecks & Balances. Breeze is an Insuretech company that makes it easy for American workers to protect their income through disability insurance. Disability Insurance is income protection insurance, which insures the beneficiary’s earned income against the risk that a disability creates an issue for a worker to complete their job. Founded in 2019, in Omaha Nebraska, “The Insurance Hub of the US”, Breeze set out on a mission to modernize the archaic disability insurance system. Their online application process takes 15 minutes to complete with plans that start as low as $9 a month. Their automated underwriting technology allows them to offer qualified individuals a way to get quick and affordable disability insurance without the hassle of dealing with salespeople.   Most folks misunderstand disability insurance, and in today’s episode Colin walks us through what it is, how it’s different from Workmen’s Comp, and why the current disability insurance system in the US is plagued by long wait times, high fees and is made unavailable by some employers or the government.   Show Highlights Why Colin chose Omaha Nebraska as the hub for Breeze, instead of Silicon Valley Only a third of folks that apply for disability insurance through the Social Security Program get approved Workmen’s Compensations vs. Disability Insurance: Getting hurt on the job vs. protecting yourself from an issue or accident that may happen, outside of your job The difference between having your own disability insurance plan and getting one through your employer How disability insurance is taxed Short term disability insurance vs. long term Benefit Amount - How much you will get paid each month Benefit Period – The length of time your benefits will last Waiting Period – The length of time that passes until you receive your first payment Most policies will allow you to customize your timelines and payment amounts How the freelance/gig economy is changing the way people obtain and receive insurance benefits   Key Takeaway: Disability insurance may not be something you’re thinking about right now. But for what is most often an inexpensive monthly fee, you can protect yourself financially, if you end up with an aliment or in an accident that prevents you from doing your job.   Paychecks & Balances Website: https://paychecksandbalances.com Patreon: https://www.patreon.com/paybalances Instagram: https://www.instagram.com/paybalances Facebook: https://www.facebook.com/paychecksandbalances Twitter: https://twitter.com/paybalances?lang=en   Breeze Insurance Website: https://lisahylton.com Twitter: https://twitter.com/breezeinsurance LinkedIn: https://www.linkedin.com/company/breeze-insurance/ Instagram: https://www.instagram.com/breezeinsurance/ Facebook: https://www.facebook.com/meetbreeze/    

Stephen Warley joins Rich on the podcast today. Stephen is the founder of “Life Skills That Matter”. Life Skills That Matter is on a mission to help you begin to start working for yourself and create a life and career that’s aligned with your personal values. If you believe that societies concept of “work” is broken and you want to disrupt everything that society has taught you about the workforce, Life Skill That Matter can help.   When you begin to set values based goals instead of monetary goals, you can start aligning your life’s purpose to the actions you take daily. What are your core values? You need to get curious and self-aware and figure them out. Some people want to be able to work from anywhere in the world, others want to work less and spend more time with family and friends. Once you figure out what’s truly important to you, you can begin to build a life that’s purpose driven. That’s where true success lies.     Key Takeaway: With some curiosity, patience and the right planning you can eventually work on your own terms and get paid to be exactly who you are.   Highlights: Automation disrupting industries is closer than people think What life’s like living and working abroad in Bali People in their early thirties have never been through an economic downturn Being intentional with your money and tracking where it all goes The pro’s and con’s of leaving inheritance for your children Raising kids with money Time, Energy and Attention – Your most valuable personal resources Starting a “life fund” not a retirement fund Identifying your core values and living your life in accordance to those values is true success What to do if you’re unhappy with where you’re currently at in life The importance of resting, to reflect Curiosity, Self Awareness and Connection – The three most important life skills     Paychecks & Balances   Website: https://paychecksandbalances.com/ Patreon: https://www.patreon.com/paybalances Instagram: https://www.instagram.com/paybalances/ Facebook: https://www.facebook.com/paychecksandbalances Twitter: https://twitter.com/paybalances?lang=en     Stephen Warley Website: https://lifeskillsthatmatter.com/ Twitter: https://twitter.com/stephenwarley LinkedIn: https://www.linkedin.com/in/warley/ Podcast: https://podcasts.apple.com/us/podcast/life-skills-that-matter-learn-why-self-employment-is/id1180432038                    

Shannah Compton Game of The “Millennial Money” podcast joins the P&B family today. Shannah is a Certified Financial Planner with an MBA. She’s also an entrepreneur, podcaster, writer and teacher. On her show “Millennial Money”, Shannah takes a deep dive into the money problems that plague Americans, with a focus on Millennials. Her goal is to help you get more in tune with your money and to know your money, so that you can begin to cut down on debt and build a budget that works for your lifestyle.   Her passion for helping people untangle the mess of their day-to-day money problems is rooted in the fact that in the past, Shannah had money struggles just like you. Debt, student loans, a mortgage, all things that she at one time felt in over her head with. She’s creating a movement where talking about money isn’t a taboo, instead it’s a part of regular conversation with your family, friends and spouse.   In today’s episode you’ll hear about Shannah’s upbringing and her first memories of money, working with her dad. You’ll also learn about how starting a film festival in college taught Shannah valuable marketing and budget lessons. Shannah tells the listeners about her philosophy on going back to school to get an MBA, the power of starting a podcast, and how she credits all of her success in business to being scrappy and making things happen, without a huge network.    Highlights: Starting a film festival and running its marketing and finances Weighing the costs of getting your Masters Degree The lack of a network that some graduate schools promise Teaching personal finance at Cal State Northridge “Cash is still king” The importance of building a financial foundation Why you need to be earning more than 2% on your money Knowing what your spending your money on – In order to fix things you need a benchmark of data to understand Negotiating a better student loan interest rate Tackling different facets of paying off debt, while still saving some of your money   Key Takeaway: Regardless of income or age, we all face similar money struggles. The numbers may look different but the problems are the same. In order to build a life you need a basic financial education and foundation to build off of.     Paychecks & Balances   Website: https://paychecksandbalances.com/   Patreon: https://www.patreon.com/paybalances   Instagram: https://www.instagram.com/paybalances/   Facebook: https://www.facebook.com/paychecksandbalances   Twitter: https://twitter.com/paybalances?lang=en     Shannah Compton Game   Website: https://www.mmoneypodcast.com/ Instagram: https://www.instagram.com/shannahgame/?hl=en Podcast: https://podcasts.apple.com/us/podcast/millennial-money/id957163760        

Kanika Tolver joins us on the show today. Kanika is an Information Technology Federal Government professional, Entrepreneur, Coach and Author. Her company Career Rehab LLC, focuses on assisting career transformations for students, professionals and retiree’s. She does this through coaching, events and webinars with the ultimate goal of helping others create their own “epic lives” and reach their career goals. In her book “Career Rehab” Kanika helps you strip away the fear that’s holding you back from living the life you want and gives guidance on how to brand, market and sell yourself into jobs that are in alignment with your values. Values like work-life balance, good pay and on-going self-development are at the top of her list. In today’s episode Marcus and Rich sit down with Kanika and discuss her baby steps into entrepreneurship as a resume writer, what it’s like working for the Federal Government, the power of LinkedIn, building a professional network, and how thinking of yourself as a brand will get your more opportunities in life.     Highlights:   Side hustling as a career coach/resume writer Building a business from home while taking care of her sick mother Balance as the key for success in business and personal life What it’s like working in Washington DC “Don’t sleep on LinkedIn” Investing in a good head shot Leveraging LinkedIn groups Employee mindset vs. being a brand Beefing up your 401k contributions at work, once you get a raise How your personal values change from your 20’s to 30’s Bringing a dose of your personality to your job The importance of prepping for work meetings A “referral is the fastest way to an interview”     Key Takeaway: You have to leverage your skills and your network to sell yourself into a job that is in alignment with your life’s vision.     Paychecks & Balances   Website: https://paychecksandbalances.com/   Patreon: https://www.patreon.com/paybalances   Instagram: https://www.instagram.com/paybalances/   Facebook: https://www.facebook.com/paychecksandbalances   Twitter: https://twitter.com/paybalances?lang=en     Kanika Tovler:   Website: https://kanikatolver.com/ LinkedIn: https://www.linkedin.com/in/kanikatolver/ Facebook: https://www.facebook.com/KanikaRTolver/ Instagram: https://www.instagram.com/kanikatolver/ Book: https://kanikatolver.com/book/      

Dr. Eric Patrick joins the Paychecks & Balances family today. Dr. Patrick a pharmacist turned investor and Entrepreneur. He’s the founder of “The Black Market Exchange”, which he developed because of the lack of people of color in the investing space. The BMEX is an educational platform that teaches investing and stock trading, that’s rooted in hip-hop and pop culture. The company has grown to over 50,000 loyal members, which includes subscribers to Dr. Patrick’s daily stock market newsletter “PAPERTRAIL”. PAPERTRAIL covers the latest stock market news with funny commentary and even has a “bangin’ playlist that’s for the culture each weekday to help you secure the bag”. In this episode, you’ll hear about Dr. Patrick’s journey out of his 9 to 5 Pharmacy job, how he stayed true to his roots while starting his business, his entry into the cannabis space and how some people prefer working a day job, and that’s ok.   Highlights: Being a pharmacist “in charge” How shifts in company culture can affect you and your mental health The transition out of your 9-5 job can take a long time, be patient “It’s not a rat race if you truly enjoy your job” Entrepreneur shame The process and hustle of putting out a daily newsletter Staying true to who you are and where you come from when creating a vision for your business Starting a social media agency Helping cannabis entrepreneurs through “Green Tree”   The Takeaway: Don’t try and be somebody you’re not with your business. When you show up authentically in the world, people will be drawn to you and your ideas.   Paychecks & Balances Websites: https://paychecksandbalances.com/ https://www.patreon.com/paybalances Instagram: https://www.instagram.com/paybalances/ Facebook: https://www.facebook.com/paychecksandbalances     The Black Market Exchange Website: https://www.thebmex.com/ Instagram: https://www.instagram.com/black_market_exchange/ Facebook: https://www.facebook.com/BlackMarketExchange YouTube: https://www.youtube.com/user/BlackMarketExchange?sub_confirmation=1 Twitter: https://twitter.com/BMEX_                                        

Getting a huge salary jump is awesome, but even with a big jump Paychecks & Balances podcast host, Rich Jones had some lessons to learn when his compensation skyrocketed. The entrepreneur behind the Show Starter shares his experiences, and how we can all get not just the best pay but also the best jobs. For more information, visit the show notes at https://www.bobbirebell.com/podcast/richjones

Today on Paychecks & Balances, we freestyle! This episode is all about entering back into the job search world and the trials and tribulations that come with that. Both of us decided recently to make a career shift and today we share our stories with you. Whatever your case may be: whether your current role isn’t a good fit, you want to pivot in your career, or need to feel truly challenged, the first step is putting yourself out there. And that’s terrifying! But with a little preparation, realistic expectations and unbreakable stride, this job search could have you become a stronger, more confident version of yourself. In this episode, we discuss the advantages of “internal mobility” within a company, how you can prepare aggressively for your next job interview and what happens when things don’t go according to plan during a job search.   Highlights:   Using everything to your advantage during a job search The pros of internal mobility Cover letter tips and key points to focus on LinkedIn Learning Courses Prepare 10x for your next interview/ skip the mock interview Seeking that sensation of “truly feeling challenged” Challenging the perception of yourself The differing perspectives on job happiness   Key Takeaway: Getting clear about why you want a new job or that career change is critical when entering the great unknown of job searching. Luckily, passion and preparation are two major assets you can arm yourself with when beginning this journey.   Paychecks & Balances Website: https://paychecksandbalances.com/ https://www.patreon.com/paybalances Instagram: https://www.instagram.com/paybalances/ Facebook: https://www.facebook.com/paychecksandbalances Twitter: https://twitter.com/paybalances?lang=en      

Today on Paychecks & Balances, we welcome Chris Hutchins to the podcast. After being laid off in the 2008 financial crisis, and seeing so many others in the same circumstance, Chris created LaidOffCamp, an organization to empower people through education. A few years later, he co-founded Milk, a mobile app incubator in San Francisco, where he launched Oink to over 100,000 users before being acquired by Google. After his four years at Google Ventures, he then left to create his own financial planning service, Grove. At Grove, clients are paired with top-notch financial advisors to create personalized strategies, help track their financial health progress, and available for advice anytime, anywhere. Grove’s mission is to make personalized financial advice affordable and accessible to everyone. In this episode, you’ll learn how to turn a passion into a business, why financially literacy and follow-through are crucial to your future, and why a financial advisor might just be the thing you need to get your funds right. Highlights: Chris’s experience in investment banking How one weekend in Boston at a “Start-Up Weekend” changed his life! What is the “LaidOffCamp”? What is your passion? Is there an opportunity? Can you do it? Yes, yes, and yes? Then start a business! The “Minimal Viable Product” is crucial to prove to the world you can do it and prove to yourself its possible Why random people who will give you really harsh feedback about your business is market research GOLD Research shows that 85% of adults feel financial anxiety Wealth is a state of mind Can you get financial planning and behavioral coaching if you’re not rich? Why Grove’s affordable, personalized, financial advice is the first of its kind You must take action today! Key Takeaway: “Everyone already knows this”, is very different that “Everyone already does this.” You don’t need more ideas; you need more action. Step into your future already. Paychecks & Balances Website: https://paychecksandbalances.com/ https://www.patreon.com/paybalances Instagram: https://www.instagram.com/paybalances/ Facebook: https://www.facebook.com/paychecksandbalances Twitter: https://twitter.com/paybalances?lang=en Chris Hutchins Website: www.chrishutchins.com https://hellogrove.com/ Instagram: @hellogrove Facebook: https://www.facebook.com/usegrove/ Twitter: @hutchins    

Today on Paychecks & Balances, Gaby Dunn the author of Bad with Money: The Imperfect Art of Getting Your Financial Sh*t Together, talks to us about bravely facing life and money. Gaby is a bestselling author, journalist, television writer, actress, and LGBTQ activist whose podcast “Bad With Money”, was named one of the top ten podcasts of 2016 by The New York Times. Gaby brings a queer, feminist, unabashedly radical point of view to the podcast and uses both her unique life experiences and humor to bring clarity to tough financial topics. In this episode, Gaby talks to the guys about facing the harsh reality of today’s world, how to side-step the haters, and how we are all capable of economic independence. Highlights: How did your parents mold your financial literacy? The American Dream vs Reality The Millennial Myth Looking “wealthy” on social media The unethical unpaid internship Owning your content and getting paid What social media platform is best for you and your business? Follow where the money goes Pay the haters no mind Key Takeaway: You aren’t alone… we are all struggling. Gaby explains that by taking the painful first steps of being truthful about your money problems, you can become more adaptive to solving your woes with creative, ambitious, and well-educated solutions. Paychecks & Balances Website: https://paychecksandbalances.com/ https://www.patreon.com/paybalances Instagram: https://www.instagram.com/paybalances/ Facebook: https://www.facebook.com/paychecksandbalances Twitter: https://twitter.com/paybalances?lang=en Gaby Dunn Podcast: https://www.stitcher.com/podcast/panoply/bad-with-money Twitter: https://twitter.com/GabyDunn Instagram: https://www.instagram.com/GabyRoad Bad with Money Book on Amazon: https://www.amazon.com/Bad-Money-Imperfect-Financial-Together/dp/1501176331    

Today on Paychecks & Balances, we welcome back Rianka Dorsainvil to the podcast. Since her last visit, she has become a part of CNBC's Digital Financial Advisor Council, which consists of 20 high-level financial professionals that make investment terms and strategies more transparent and she writes a monthly column for PBS NewsHour. Rianka is a Certified Financial Planner and both the Founder and CEO of “Your Greatest Contribution” or YGC. She continues to establish herself as a leader in the financial world and has been published in Black Enterprise, CNBC, Financial Advisor, ThinkAdvisor, MarketWatch, US News & World Report, Women’s Health and many more. In this episode, you’ll learn how to become financially transparent with your partner, position yourself for the next tax year, understand how new tax laws affect you, decoding deductions, and how to empower yourself with tax knowledge. Highlights: The Walkaway Experience of starting a new business Why Financial Transparency is paramount in a relationship Avoiding “lifestyle creep” so you don’t lose momentum with your wealth Tax Prep vs Tax Planning: Tax Prep: Getting your documents in order, going back to see if you can deduct expenses. Tax planning: strategically planning for the next year so missteps don’t happen again New tax laws might affect you and how you do your taxes You can always amend your taxes Using your 401(k) to get a better tax break What are Quarterly Taxes? Who has to pay them? Keeping meticulous records is the key What can be written off? Incorporating tax planning into career, family, and future Key Takeaway: By tax planning throughout the year, you can empower yourself, your business, and develop life long habits that will ensure for wealth and prosperity. Paychecks & Balances Website: https://paychecksandbalances.com/ https://www.patreon.com/paybalances Instagram: https://www.instagram.com/paybalances/ Facebook: https://www.facebook.com/paychecksandbalances Twitter: https://twitter.com/paybalances?lang=en Rianka Dorsainvil Websites: http://riankardorsainvil.com/ http://yourgreatestcontribution.com Twitter: https://twitter.com/Rianka_D Instagram: https://www.instagram.com/rianka_d/?hl=en 2050 Trailblazers Website: https://www.2050trailblazers.com/ Podcast: https://www.2050trailblazers.com/podcast Facebook: https://www.facebook.com/2050TBs/ Twitter: https://twitter.com/2050TBs Instagram: https://www.instagram.com/2050tbs/    

Unless you’ve been living under a rock or off social media, by now most of you have seen or heard about the Fyre Festival. The Fyre Festival was a failed “luxury” music festival that was scheduled to take place April 28-30 and May 5-7 2017 on the Bahamian island of Great Exuma. The event was created by Billy McFarland, a young entrepreneur and the founded of credit card company Magnises. Fyre Festival was highly promoted by social media influencers and some of the most popular females models in the world. During the Fyre Festival’s inaugural weekend, there was a tremendous amount of problems related to housing, food, security, medical services and artist relations. This led to chaos, confusion and ultimately the cancelling of the festival the day that it began. Today’s Paychecks & Balances, Rich and Marcus speak with Kelly Hultgren. Kelly is the producer of the “Her Money Podcast” with Jean Chatzky. Kelly is a friend of the P&B family and also attended Fyre Festival. In this episode you hear her story about what it was like to attend the festival while unknowingly being lied about almost every aspect of the festival experience. Highlights: Social media influencers lacking responsibility The allusion of private villas and jets Having no cell service Sleeping in random tents with towels for beds Being locked in the airport White Privilege Travel lessons – Always have cash in the correct currency Sociopathic entrepreneurs praying on the worlds elite Key Takeaway: If something feels too good to be true, it probably is. The UCI Division of Continuing Education courses are taught by expert instructors with industry experience with offerings of over 60 convenient certificates and specialized studies programs on campus and online designed for the working professional who seeks career advancement and personal enrichment. Spring quarter is coming up and registration is open! To learn more, visit ce.uci.edu For a limited time Blinkist.com/Paychecks has a special offer just for the P&B audience. Blinkist is made of busy people like you, who want to get the main points without reading the entire book. With an audio feature, Blinkist makes it easy to finish 4 books a day while you are on the go. Visit Blinkist.com/Paychecks to start your free 7 day trial. Paychecks & Balances Website: https://paychecksandbalances.com/ https://www.patreon.com/paybalances Instagram: @paybalances Facebook: https://www.facebook.com/paychecksandbalances Twitter: @paybalances Kelly Hultgren Website: https://www.hermoney.com/author/kellyhultgren/ LinkedIn: https://www.linkedin.com/in/kelly-hultgren-a07b3365/ Twitter: https://twitter.com/kellyhultgren?lang=en                                                    

Maximizing your work time, free time and family time is key for living a successful and fulfilling life. However, many people don’t know how to set a schedule or create systems that allow them to maximize productivity and spend their most valuable time on their most valued activities. Today’s guest on Paychecks & Balances is Amber De La Garza. Known as The Productivity Specialist, Amber helps entrepreneurs execute solutions to maximize profits, reduce stress, & make time for what matters most. Amber has been a contributing author to The Huffington Post and has been featured on dozens of Podcasts. In this episode Amber breaks down some productivity myths and provides some tools and insight on how to regain control over your time. Highlights: Leaning into organization when there’s chaos in your life Distraction free, focused time Finding what works for you and setting boundaries If your routine is working, keep it Maximizing free time by waking up earlier or staying up later Energy Management – Things either give or deplete Parkinson’s Law – Work expands so as to fill the time available for it’s completion Keeping the process simple Key Takeaway: Productivity is investing your best time into your best activities Paychecks & Balances Website: https://paychecksandbalances.com/ https://www.patreon.com/paybalances Instagram: @paybalances Facebook: https://www.facebook.com/paychecksandbalances Twitter: @paybalances   Amber De La Garza Website: https://amberdelagarza.com/ Facebook: https://www.facebook.com/theproductivityspecialist Instagram: https://www.instagram.com/amber_delagarza/                                                    

Today’s episode is all about credit and credit cards. FICO is releasing new criteria aimed at helping people with poor credit called “Ultra FICO.” Those who are unable to get a line of credit because of a weak traditional FICO score will benefit from this system if they have an average bank account balance of $400 and no overdrafts in the past three months. Then being that we just celebrated Veterans Day, the guys drop an interview they recently did at FinCon with Air Force Veteran, Jason Williams. Jason is the Director of Credit Card Product Management with USAA. In this interview they discuss how to find the best credit card for your needs, how balance transfers might become a thing of the past and how USAA has made it their mission to assist active military and veterans with their finances. Highlights: The “Ultra FICO” is a new way to score consumers on how they handle their bank account and cash transactions. It’s geared at customers who are turned down for credit based on their traditional FICO score. Ultra FICO places a heavier weight on your bank account balance, the amount of debit transactions you make and your overdraft history. Those with an average account balance of $400 and who haven’t had an overdraft in the last 3 months will be the beneficiaries of this new system. An argument against the Ultra FICO system is that its main purpose is to broaden the pool of people the lenders can extend credit to. Which will ultimately benefit the credit card companies because of interest and late fees. Building credit history for those who don’t have credit: Open up a secured card – You put down the deposit and that becomes the limit. Get a credit card and don’t purchase anything. Just make small auto payments. This will show the lender that you’re using and being responsible with the card. Pick a card for the right reasons. Most people focus on credit card rewards, not the fee’s associated with the card or the APR. As interest rates rise, zero percent balance transfers will become a thing of the past. If you’re able to find a cheap or free balance transfer, understand that balance transfers a short-term plan for trying to pay off debt. You must come up with a more comprehensive strategy. Opening a card while you’re in the military comes with certain protections. Taxes on income for active duty Military are typically much less then civilian taxes. It’s important to plan for this as your service is nearing it’s end. While you’re in the service it’s a good idea to invest in the TSP, Thrift Savings Plan. This will help supplement your pension or take the place of your pension if you’re discharged early. The Takeaway: Those with little to no credit history, but who are responsible with money, as reflected in their bank account balance could, be good candidates for the “Ultra FICO” system. However, be weary that the reason FICO developed this new system is to extend their reach of who they can loan money to and thus get them paying interest and fees. Paychecks & Balances Website: https://paychecksandbalances.com/ https://www.patreon.com/paybalances Instagram: @paybalances Facebook: https://www.facebook.com/paychecksandbalances Twitter: @paybalances USAA Website: https://www.usaa.com/         Paychecks & Balances – PB107   Today’s episode is all about credit and credit cards. FICO is releasing new criteria aimed at helping people with poor credit called “Ultra FICO.” Those who are unable to get a line of credit because of a weak traditional FICO score will benefit from this system if they have an average bank account balance of $400 and no overdrafts in the past three months. Then being that we just celebrated Veterans Day, the guys drop an interview they recently did at FinCon with Air Force Veteran, Jason Williams. Jason is the Director of Credit Card Product Management with USAA. In this interview they discuss how to find the best credit card for your needs, how balance transfers might become a thing of the past and how USAA has made it their mission to assist active military and veterans with their finances.   Highlights:   The “Ultra FICO” is a new way to score consumers on how they handle their bank account and cash transactions. It’s geared at customers who are turned down for credit based on their traditional FICO score. Ultra FICO places a heavier weight on your bank account balance, the amount of debit transactions you make and your overdraft history. Those with an average account balance of $400 and who haven’t had an overdraft in the last 3 months will be the beneficiaries of this new system. An argument against the Ultra FICO system is that its main purpose is to broaden the pool of people the lenders can extend credit to. Which will ultimately benefit the credit card companies because of interest and late fees. Building credit history for those who don’t have credit: Open up a secured card – You put down the deposit and that becomes the limit. Get a credit card and don’t purchase anything. Just make small auto payments. This will show the lender that you’re using and being responsible with the card. Pick a card for the right reasons. Most people focus on credit card rewards, not the fee’s associated with the card or the APR. As interest rates rise, zero percent balance transfers will become a thing of the past. If you’re able to find a cheap or free balance transfer, understand that balance transfers a short-term plan for trying to pay off debt. You must come up with a more comprehensive strategy. Opening a card while you’re in the military comes with certain protections. Taxes on income for active duty Military are typically much less then civilian taxes. It’s important to plan for this as your service is nearing it’s end. While you’re in the service it’s a good idea to invest in the TSP, Thrift Savings Plan. This will help supplement your pension or take the place of your pension if you’re discharged early.   The Takeaway: Those with little to no credit history, but who are responsible with money, as reflected in their bank account balance could, be good candidates for the “Ultra FICO” system. However, be weary that the reason FICO developed this new system is to extend their reach of who they can loan money to and thus get them paying interest and fees.   Paychecks & Balances   Website: https://paychecksandbalances.com/ https://www.patreon.com/paybalances Instagram: @paybalances Facebook: https://www.facebook.com/paychecksandbalances Twitter: @paybalances   USAA Website: https://www.usaa.com/                                                

Paychecks & Balances – PB106 Today Kwame Christian re-joins Rich on the podcast. Kwame was one of the first guests that appeared on the show during the creation of Paychecks & Balances. Kwame is a business lawyer by trade and the Director of The American Negotiation Institute. His mission is make conversations easier by using a multidisciplinary approach to the teaching of conflict management and negotiation. These skills can come in especially handy when dealing with your boss, roommate, family, friends, spouse etc… Last year, Kwame hosted a TEDx Talk on “Finding Confidence in Conflict.” He also hosts the top negotiation podcast in the country, “Negotiate Anything”. In this episode you’ll learn some tips on how to talk to your partner about finances, how to talk to HR during your performance review at work and what the difference between internal and external negotiation is. Highlights: Kwame’s Tedx Talk “Finding Confidence in Conflict” received over 24,000 downloads in 24 hours. Cognitive Appraisal, the perception of experience. Fear and anxiety before a big conversation. Using CBT (Cognitive Behavioral Therapy) to overcome anxiety and have more confidence during conversations. Compassionate Curiosity – A three-step process that includes: Acknowledging emotions, getting curious with compassion and joint problem solving. Before the conversation the internal negotiation starts. This is where you’re negotiating with yourself, getting curious. In this stage you’re determining where you stand, how you feel, what you want and why. There are three reasons for why a conversation breaks down: The Frame, the pace or the direction. The frame is the story line you put on the conversation. The pace is how fast the conversation happens. The direction is how you’re guiding the conversation. Persuasive Weight – To much persuasion in a conversation for one person to handle. LinkedIn, the best place to do business. The Takeaway: Get curious; know your intentions and feelings going into a conversation where you’re going to be negotiating. Keep the conversation on track and don’t use too much persuasive weight to try and get your way. Paychecks & Balances Website: https://paychecksandbalances.com/ https://www.patreon.com/paybalances Instagram: @paybalances Facebook: https://www.facebook.com/paychecksandbalances Twitter: @paybalances Kwame Christian Website: https://americannegotiationinstitute.com/ LinkedIn: https://www.linkedin.com/in/kwamechristian/ Negotiate Anything Podcast: https://itunes.apple.com/us/podcast/negotiate-anything-negotiation-persuasion-influence/id1101679010?mt=2 Tedx Talk: https://www.youtube.com/watch?v=F6Zg65eK9XU Kwame’s Book - Nobody Will Play with Me, How To Use Compassionate Curiosity To Find Confidence in Conflict: https://www.amazon.com/Nobody-Will-Play-Compassionate-Confidence-ebook/dp/B07K611VQD/ref=sr_1_1?s=books&ie=UTF8&qid=1541460180&sr=1-1&keywords=nobody+will+play+with+me+how+to+use+compassionate                        

Paychecks & Balances – Building Bread with Kevin Matthews– PB103 Today on Paychecks & Balances the guys sit down and have a lighthearted but inspiring talk with Kevin Matthews. Kevin is the founder of Building Bread, a company designed to inspire millennials to set, simplify and achieve financial goals. Kevin can be seen speaking around the country and has been featured in, Forbes, The New York Times, Wall Street Journal and Nerd Wallet, among others. He was also awarded one of Investopedia’s Top 100 Most Fluential Financial Advisors. In this episode you’ll learn where and how to start investing with little money, financial trends to avoid, how to plan for the death of your parents or in-laws and Stock Market points vs. percentages. Highlights: Figure out what you want to do with your finances. Are you looking to save, invest or pay off debt? The answer doesn’t have to be permanent and will vary with age and stages of life. Investment trends to avoid – Crypto currency and penny stocks in the marijuana industry. African Americans tend to invest more in real estate then the stock market, which can be advantageous in a rising real estate market but can hurt you financially if you’re not taking advantage of a rising stock market. Redlining – The systematic denial of various services to residents of specific, often racially associated, neighborhoods or communities, either directly or through the selective raising of prices.  Paper Trading by Investopedia is a great resource for beginners looking to invest but are confused or skeptical of the stock market. Paper Trading is a game that allows you to invest in real stocks with fake money, as a way to learn about the stock market. CD’s are a safe investment, however you’re only going to make a couple percent on your money each year, barely higher then inflation rates. Sit with your spouse and discuss a strategy to help take care of the family for when you parents or in-laws pass away. Stock Market corrections happen every ten years on average. A correction is a decline of 10% or more. A stock market crash is when the market drops 20% or more. Stock Market moving percentages are what experts are analyzing, not points. When you’re younger you’re going to want to put more of your income into investments. As you age you want to your income to savings ratio to eventually level out to 50/50. Your employer is the best place to get started investing. Most companies offer some type of 401k or investment plan. It’s a great jumping off point if you don’t know anything about investing. The Takeaway: Avoid get rich quick investment trends, use your employer to invest, plan for the passing of your parents and don’t worry when the stock market drops a couple hundred points.   Paychecks & Balances Website: https://paychecksandbalances.com/ https://www.patreon.com/paybalances Instagram: @paybalances Facebook: https://www.facebook.com/paychecksandbalances Twitter: @paybalances   Kevin Matthews Website: https://www.buildingbread.com/ Facebook: https://www.facebook.com/BuildingBread Instagram: @buildingbread Twitter: @buildingbread              

Today Candice Marie has a positive net worth, savings, investments and paid off over $47,000 in debt! This wasn't the case just six years ago when she didn't want to check her net worth because she knew it was in the negatives. While some of us worry about living paycheck-to-paycheck, Candice had to get use to a no-check-to-no-check lifestyle after struggling for years to find steady work after graduating college. Rather than get discouraged, she used this as an opportunity to become self-taught about personal finance. She began sharing her experiences through Young Yet Wise. The network she built and stories she shared there helped motivate her to stay on track and learn more about smart money management. She joins Paychecks & Balances this week to give you realistic tips for reaching your own financial goals. [bctt tweet="Financial freedom means "living life on your own terms." - @YoungYetWis3" username="PayBalances"] How focusing on net worth versus just debt and savings management helped motivate her to reach her financial goals Candice saved $1,000, began investing with only $1,000, then focused on paying down her debts Why she chose the Snowball method when tackling her Student Loans The apps and tools she recommends for tracking and managing your investments and financial goals Visit her website to sign-up for her free 5-day money challenge to jump start your own journey to financial freedom References Mentioned in this Show Candice Marie Website: YoungYetWise.com Twitter: @YoungYetWis3 Instagram: YoungYetWis3 Top Recommended Blogs The 4 Powerful Things that Happen When You Track Your Net Worth Why One Source of Income Isn't Enough PB86: Banish the Balance ft. Tonya Rapley PB68: Don’t Cost Yourself $600,000 in Lost Career Earnings P&B Blog: How to Calculate Your Cost of Living Adjustment for Different Cities SmartAsset: What Americans in the Biggest Cities Spend the Most On Dave Ramsey Blog: The Debt SnowBall Method FinCon2018: Orlando, Florida Announcements Keeping up with the Joneses will cost you a lot of Benjamins: Is lifestyle creep holding you back from your financial goals? Check out Marcus' latest for GoBankingRates: Lifestyle Inflation Cost Me an Extra $8,000 a Year — Here’s How. You can view all of Marcus GBR pieces by visiting PaychecksAndBalances.com/GBR Thank You for the Support Exclusively for our email subscribers, we created a free guide: The 15 Minute Paychecks & Balances Money Plan: Your Guide to Financial Freedom. This tool includes “15-minute” plans for creating a budget, starting your debt freedom plan, and finding your FIRE number. Sign-up to get your guide today and see why just 15-minutes can change the next 15 years of your life. Read Marcus’ book series, Debt Free Or Die Trying, to learn more about how he paid off $30,000 in debt by age 30; and how to create a debt free plan you’ll actually follow. Looking for more free career development and debt freedom tips? Join our email list at PaychecksandBalances.com/email for exclusive content including show updates, digital giveaways, and more. We don’t spam. We just keeps it real. Yes, keeps. We’ve partnered with NerdWallet for all your personal finance needs at PaychecksAndBalances.com/Tools Check out our PATREON page! We’re raising funds to grow the show so we can create more great content that helps you get ahead professionally and financially. LIKE us on Facebook.com/PaychecksandBalances or follow us on Twitter @PayBalances @IamRichJones @THEMarcusGarret and on Instagram.

Here is another fun interview from FinCon 2017. I'm joined by Marcus Garrett, one half of the Paychecks & Balances team. Together we tackle a call from "Pers" on understanding fixed expenses and disposable income.   Full Show Notes at PopcornFinance.com/37   Help support the show for free at PopcornFinance.com/Support   Connect with me Instagram -@PopcornFinancePodcast Twitter - @PopcornFinance Facebook - Popcorn Finance   Outro Music By Buddha by Kontekst https://soundcloud.com/kontekstmusic Creative Commons — Attribution 3.0 Unported— CC BY 3.0 http://creativecommons.org/licenses/b... Music provided by Audio Library https://youtu.be/b6jK2t3lcRs

Paychecks & Balances is joined by Michael Hobbes (@RottenInDenmark), author of that viral story you should have already read but just in case you didn't now you can listen to us talk about it, Millennials Are Screwed: Why millennials are facing the scariest financial future of any generation since the Great Depression. Even Generation X and the Boomers receive honorable mentions this week. See ladies and gentlemen of generations past? Gone, but not forgotten! Armed with Michael's 8-plus months of research you'll have the evidence-based facts you needed to throw in the next person's face that inaccurately says Millennials (ages 18-35) have it "easy" based on their cursory reading of clickbait headlines and reimagined facts made-up from biased opinions. We cover a lot on this one but it comes with a happy ending! A non-exhaustive breakdown of the topics covered: The Surprising (Depressing?) Facts Over 40-percent of Millennials are now mothers. 1 in 5 Millennials lives in poverty. On average, Millennials have 300% more debt than our parents and would need to work 4,000+ more hours to pay for our college educations compared to Boomers. In 2007, more than 50 percent of college graduates had a job offer lined up. For the class of 2009, job offers were solidified for fewer than 20 percent. Over 60-percent of Millennials don't have a college degree. According to one analysis, Millennials won’t be able to retire until age 75 (Note: the average lifespan is currently only 78). On average, Boomers could expect a 6.3% average annual stock return; while Millennials may be forecasted to see as low as 2.9% in their lifetime. The Solutions Focusing on the "local level" solutions in your city and state Establishing laws that give workers more leverage against companies that treat them as if they’re disposable. Attach benefits to work instead of jobs (i.e. For every hour you work, your boss chips into a fund that pays out when you get sick, pregnant, old or fired. The fund follows you from job to job, and companies have to contribute to it whether you work there a day, a month or a year.) Establish equity of pay (and risks) for employees versus contractors to slow employers rush to contract everyone and everything out just because it's cheaper and more profitable References Mentioned in this Show Generation FML by Michael Hobbes Michael Hobbes Social Media: Twitter: @RottenInDenmark Website: https://rottenindenmark.wordpress.com/ Federal Poverty Guideline by Household Income and Size of Household Here's How Rich You'd Be If You Stopped Drinking SmartAsset: What Americans Spend The Most On Where Americans Spend Their Money ICYMI Book Review: Dollars and Sense by Dan Ariely and Jeff Kreisler 2017 PB Year in Review: DebtFreeOrDieTrying.com/News

This Week in Work segment returns! This is the segment of PB where we help you crack the professional code and discuss stories and topics relevant to the workplace. This week we’re talking about five things you can do in 2018 to get both your work and money up. We cover: Using your bonus and merit increases to jumpstart your 401k while lowering your taxable income for the year The benefit of the "electronic envelope system" -- using multiple bank accounts to accelerate and clearly manage your money goals Tips for tracking your annual accomplishments in a way that will help you and your manager prepare for your performance evaluation How certifications and continuing professional education can help you stand out from your peers and competitors The difference between a Personal Advisor, a Mentor, a Coach and the other resources you need to develop in your career Five ways to update your LinkedIn profile from "useless" to "You're Hired"   References Mentioned on This Show Source: A person’s developmental network can’t be static but needs to evolve over time "A person’s developmental network can’t be static but needs to evolve over time" https://t.co/yodbooppne pic.twitter.com/xtCe4FOhqB — MITSloan Mgmt Review (@mitsmr) May 7, 2017   Our Recommended Project Management Tool: Trello ICYMI PB25: Ph.D., Work and Money Degree PB40: Think Like a Recruiter (LinkedIn Edition)  Announcements Check out our feature on NBCNEWS.com: Self-taught financial advisers keep it real about money management by writer Mashaun D. Simon Shout-out to XO Necole for naming us among 11 other great podcasts: 12 Podcasts For Women Trying To Glow Up In 2018 CONGRATULATIONS to @SStarrQuinn! Our winner for our first Paychecks & Balances $100 Gift Card Giveaway! We’ve partnered with NerdWallet for all your personal finance needs at PaychecksAndBalances.com/Tools! Watch Now: Marcus’ appeared on a CBS News CBSN panel: Your Money Matters covering debt, student loans, and more! Watch the playback at PaychecksAndBalances.com/CBSNOW Thank You for the Support Looking for more free career development and debt freedom tips? Join our email list at PaychecksandBalances.com/email for exclusive content including show updates, digital giveaways, and more. We don’t spam. We just keeps it real. Yes, keeps. Check out our PATREON page! We’re raising funds to grow the show so we can create more great content that helps you get ahead professionally and financially. Read Marcus’ book, Debt Free Or Die Trying: How He Buried and Dug His Way Out Of Over $30,000 in debt by age 30 on Amazon! LIKE us on Facebook.com/PaychecksandBalances or follow us on Twitter @PayBalances @IamRichJones @THEMarcusGarret and on Instagram.

Paychecks and Balances Podcast hosts Rich Jones and Marcus Garrett share some of their biggest money lessons learned from guests, experiences, and past mistakes.   You'll Learn: Pro-tips on getting hired for your dream job The critical thing to do before sealing the deal on your new job Why 90% of people become stagnant in their career by age 45… and how to avoid that   About Rich & Marcus: Rich Jones, along with Marcus Garrett, co-host Paychecks & Balances, a funformative podcast covering work and money for millennials. They leverage their experiences to provide entertaining insights and helpful tips on money management, professional growth, and other topics relevant to 20 and 30-somethings trying to get ahead.   View transcript, show notes, and links at http://AwesomeAtYourJob.com/ep222

Paychecks and Balances Podcast hosts Rich Jones and Marcus Garrett share some of their biggest money lessons learned from guests, experiences, and past mistakes.   You'll Learn: Pro-tips on getting hired for your dream job The critical thing to do before sealing the deal on your new job Why 90% of people become stagnant in their career by age 45… and how to avoid that   About Rich & Marcus: Rich Jones, along with Marcus Garrett, co-host Paychecks & Balances, a funformative podcast covering work and money for millennials. They leverage their experiences to provide entertaining insights and helpful tips on money management, professional growth, and other topics relevant to 20 and 30-somethings t

The Millennials are at it again. Our generation discovered in 20-years what other generations took 40-years to figure out: working your entire life away so maybe you can retire (if you're lucky) is a recipe for suc-sucks! On this episode, we explore #lifehacks and the simple math that can help Millennials hasten their financial independence and retire early enough to actually enjoy our money long before age 67. “The History of FIRE” lays the groundwork for our discussion on FI/RE (Financial Independence / Retire Early) TheCollegeinvestor.com shares how you can become Financially Independent while still enjoying your money when you're young Find motivation and money by maximizing savings on the three expenses where the average household spends over 60-percent of their income: home (33%); transportation (16%); and food (13%) The simple formula you can use to calculate the amount of money you need to reach financial independence and why it might be as low as $2,000/mo The monthly totals you need to save each starting at ages 20/30/35/40 to retire early References ICYMI - Become a Money Boss with J.D. Roth Investopedia - The 4-percent rule for estimating retirement expenses Robert Farrington - Fire for Non-frugal People Investor.gov - Calculate your monthly savings needed to reach your FI/RE goal NerdWallet - Retirement Calculator: estimate your replacement income needs Announcements September: Tune in for a LIVE presentation of Paychecks & Balances for #InternationalPodcastDay on Saturday, September 30th 8pm PST / 10pm CST! Click here for more information and the full schedule. October: We’ve been selected to speak at FinCon October 25-28th: How to Build a Money Podcast Without Being an Expert (or boring).

Join us for another LIVE recording session from Podcast Movement 2017 at the FinCon booth with Tyrone Jackson, The Wealthy Investor. Tyrone details the story of how he went from a single parent household that struggled with finances growing up to become a trusted stock market trader and best selling author. From an eclectic background spanning voiceover work to commercial acting, Tyrone went on to build his reputation on a unique ability to simplify stock trading and investing. He is a mentor, trusted wealth building coach, and frequent guest on radio and TV. He has been quoted in the Los Angeles Daily News, MarketWatch, and the San Francisco Chronicle. On this highly informative show we cover: The mentality that separates how millionaires and billionaires approach making money Tyrone's belief that wealth is a feeling first and building wealth is the action of repeating sustainable habits The difference between trading (fast money) and investing (long term) for beginners - "all wealth is 4th grade math" Starting your investment portfolio with just $500 and why debt reduction and wealth building can happen at the same time How you can establish systems that provide residual and passive income Reference Visit The Wealthy Investor Announcements September: Tune in for a LIVE presentation of Paychecks & Balances for #InternationalPodcastDay on Saturday, September 30th 8pm PST / 10pm CST! Click here for more information and the full schedule of presenters. October: We’re happy to announce that we’ve been selected to speak at FinCon October 25-28th! Check out our PATREON page! We’re raising funds to grow the show so we can create more great content that helps you get ahead professionally and financially. Read Marcus’ book on how he buried and dug his way out of over $30,000 in debt by age 30, Debt Free Or Die Trying, on Amazon. Looking for more career development and debt freedom tips? Join our email list at PaychecksandBalances.com/email for exclusive content including show updates, digital giveaways, and more. We don’t spam. We just keeps it real. Yes, keeps. LIKE us on Facebook.com/PaychecksandBalances or follow us on Twitter @PayBalances and Instagram at the same name!

Thank God for granting us this moment of clarity, this moment of honesty, but today the world will feel our truth! We took a little time off for #selfcare and personal perspective but we're back with more greatness with a LIVE recording from Podcast Movement 2017. On this special segment, we introduce "Paychecks and Balances presents: Happy Hour." Featured topics include: Our apologies for recording a show under the minor influence of happy hour libations Overcoming your public speaking fears How we grew Paychecks and Balances from hundreds to thousands of awesome followers and listeners like you The power of telling your own story and using it to win in work, life, and money How to maximize your paid-time-off (PTO) to accelerate your hobby from side hustle to full-time job Announcements September: Tune in for a LIVE presentation of Paychecks & Balances for #InternationalPodcastDay on Saturday, September 30th 8pm PST / 10pm CST! Click here for more information and the full schedule. October: We’re happy to announce that we’ve been selected to speak at FinCon October 25-28th!

While some folks are of the opinion that Millennial’s affinity for avocados is the only thing keeping us from owning homes, we here at Paychecks & Balances offer opinions you can actually use. Opinions based on math and common sense when common sense is as uncommon as, apparently, Millennials who own a home. Marcus provides an update on the successes and lessons learned two weeks into the 50/30/20 Budget and Rich shares another win in the career column. This week’s PB segments we cover: Money Minute What’s the first step to developing a budget and debt free plan you’ll actually use? Focus on defining your “why.” A quick tip to modernize the “envelope system” with a few simple updates to your online checking account(s). How you can break the cycle of YOLO, FOMO, and debit cards draining your financial tank with debt by a thousand debits. This Week In Work Rich reflects on a recent promotion and the proactive steps he took to make his way towards another step in the American Dream: Middle Management. The pros and cons of the career ladder climb and why you might consider passing on a promotion if you’re a voluntold versus a volunteer. The change in expectations from staff and upper management as you go from the middle cubicle to the corner cubicle (open office concept models for the win?). Sponsor Special thanks to our sponsor, FreshBooks. To get a free 30-day trial of their super-easy-to-use cloud accounting software, visit freshbooks.com/paychecks and enter “paychecks and balances” in the How Did You Hear About Us section. ASKPB Have a career advice or debt free question? ASKPB! This week’s question comes from the social medias: We had a listener who went from having one direct report to more direct reports and they wondered if they should ask for more money as a result? References ICYMI – PB48: Renting vs. Buying with Kirk Chisholm Recommended Reading: ‘Renting vs Buying’ Should you rent or buy a home? What is the true cost of home ownership? What you don’t know about renting vs buying can cost you Announcements Check out RockStar Finance's Directory of Personal Finance Blogs (and Resources) from @BudgetsAreSexy. This is a great resource for all things personal finance and, humble brag, we made the exclusive super double probation VIP list this week. You can show support to us and these other awesome personal finance blogs by visiting here.

Ready to get your financial life together (#GYFLT)? Erin Lowry, creator of BrokeMillennial.com and author of Broke Millennial: Stop Scraping By and Get Your Financial Life Together is here to help! Broke Millennial, the book, is a step-by-step guide on how to go from flat-broke to financial badass. Unlike most personal finance books, it doesn’t just cover boring stuff like credit card debt, investing, and dealing with the dreaded “B” word (budgeting). Erin goes beyond the basics to tackle tricky money matters and situations we all face #IRL. Broke Millennial, the author, joins us for a multi-faceted conversation covering everything from career and salary negotiations to the financial experience she gained from infamous "Krispy Kreme Incident" that forever changed young Erin and set in motion a lifetime of personal discipline & financial expertise starting at age 7. On this entertaining show we discuss: How to successfully transition from the paycheck-to-paycheck lifestyle to establishing your own personal brand and entrepreneurial business The income, health care considerations and mental prep you should consider that allowed Erin to quit her day job making less than the U.S. average median income while still saving over 12-months of living expenses in one of the most expensive cities in the country The pros and cons of self-publishing versus traditional publishing, as well as a chapter by chapter breakdown of Broke Millennial covering the work, money, and career advice you need to know Steps you can take today to "treat your money with respect," immediately cutting out unnecessary fees and expenses, so you can start controlling your money instead of letting your money control you to live the life you want and deserve Exclusive to Paychecks & Balances listeners, if you purchase Broke Millennial and email Erin proof-of-receipt at info@brokemillennial.com with the subject line "Paychecks & Balances", she will send you a free unreleased bonus chapter! ASK PB: This week's listener question: Firstly I'd like to say thank you for this podcast, it's been so informative for me. My question is, how do you resist the impulse to buy? Have a career or personal finance question you need answered? Just click the ASK P&B button! Sponsor Special thanks to our sponsor, FreshBooks. To get a free 30-day trial of their super-easy-to-use cloud accounting software, visit freshbooks.com/paychecks and enter “paychecks and balances” in the How Did You Hear About Us section. References Erin Lowry Twitter: @BrokeMillennial Instagram: BrokeMillennialBlog Facebook: BrokeMillennial Website: BrokeMillennial.com The Book - Broke Millennial: Stop Scraping By and Get Your Financial Life Together Career and Salary Negotiations Salary.com GlassDoor.com Comparably.com Announcements PB Blog: Rich tackles a personal finance topic and listener question. Check them out! Career Advice: The LinkedIn Message Is Important, but What About the Reference? Get your personal finances in order with Marcus’ NerdWallet and Money.com features: How This 34-Year-Old Man Fixed His Spending and Paid Off $30,000 in Debt – “Marcus Garrett is a natural spender. Saving money, on the other hand, was more of an acquired skill…” This article focuses on tips Marcus uses to force automate his budget and savings plans because, as we all know, budgeting sucks. How One Man Dug Out From $30,000 in Debt – The story covers 5 tips Marcus used to get out of and state out of debt and includes a FREE 50/30/20 budget tool from NerdWallet. Check out Rich’s roundtable with Stacking Benjamins! We’re on Soundcloud! Check out our PATREON page! We’re raising funds to grow the show so we can create more great content that helps you get ahead professionally and financially. Read Marcus’ book on how he buried and dug his way out of over $30,000 in debt, Debt Free Or Die Trying, on Amazon. Looking for more career development and debt freedom tips? Join our email list at PaychecksandBalances.com/email for exclusive content including show updates, digital giveaways, and more. We don’t spam. We just keeps it real. Yes, keeps. LIKE us on Facebook.com/PaychecksandBalances or follow us on Twitter @PayBalances and Instagram at the same name!

Tis the season for Paychecks & Balances annual wrap-up! This has been an awesome year for us but it's all thanks to you! In 2016, we had our highest downloads, were recognized in the Black Voices in Business category of iTunes, attended FinCon2016 and in completely irrelevant news, Rich and I met in person for the first time! Yes, 2016 was a great year for P&B but it's only made us hungrier for more greatness, more dope content, more features, and more fan interaction and content that meets your wants and needs! We're looking forward to an even bigger and better year in 2017. Please join us and continue to support! In this wrap-up episode we discuss: 2016 - The Year in Review Our plans for 2017 world domination "Making it Rain on the Haters" Our upcoming #CreditChat with EXPERIAN ..and much, much more! Announcements: Be sure to join @PayBalances as we co-host #CreditChat put on by Experian. Experian is one of the largest credit bureaus in the United States! We're excited for this opportunity so please show your support on Twitter Wednesday, December 28, 2016 3pm EST as we discuss "Financial Goals 2017." Click here for details and more info. Take the first ever P&B Audience Survey today! Check out our new PATREON page! We’re raising funds to grow the show so we can create more great content that helps you get ahead professionally and financially. Debt Free Or Die Trying is out now! Cop it in that Amazon! Looking for more career development and debt freedom tips? Join our email list at PaychecksandBalances.com/email for exclusive content including show updates, digital giveaways, and more. We don’t spam. We just keeps it real. Yes, keeps. LIKE us on Facebook.com/PaychecksandBalances or follow us on Twitter @PayBalances and Instagram at the same name!

We’re joined by Doctor Katisha, an all-around dope Paychecks & Balances listener. She emailed us in response to PB18, the Cash Only episode. Turns out she has a pretty robust bank account system that we thought would help our listeners go beyond the 15 minute budget plan. Upon further research, we also found out she is a Woman in Engineering that survived the gauntlet that is a PhD program. Katisha opens with a little background about herself, how she got into engineering, and why she chose to pursue her PhD. Later in the episode, she talks about money, budgeting, and how she uses separate accounts to achieve her budgeting goals. Still not enough? She came bearing gifts! Check out the savings snowball article she introduced us to! But, that’s not all folks. For even more helpful advice columns provided by Doctor Katisha check out these helpful resources and our upcoming NewsLetter: How to Create a Plan to Pay Off Debt; How 14 Accounts Saved Our Budget; and The Best Online Savings Account in 2016. Wow, you still want more? Welp. You should probably have a listen to this week’s funformative show… Announcements: Debt Free Or Die Trying is out now! Cop it in that Amazon! Looking for more career development and debt freedom tips? Join our email list at PaychecksandBalances.com/email for exclusive content including show updates, digital giveaways, and more. We don’t spam. We just keeps it real. Yes, keeps. LIKE us on Facebook.com/PaychecksandBalances or follow us on Twitter @PayBalances and Instagram at the same name!

Marcus has an epiphany: "You can spend less money than you make or make more money than you spend." What does that even mean?!!? Well, in the game of Paychecks & Balances you can work harder or you can work smarter. In this week's Money Minute we discuss why most people are more interested in how they can make more money versus cut back on where they spend. Why? Because cutting back on the lifestyle we've become accustomed to sucks! We get it! But, keeping it really reals? It might be easier to save money than make more money. On this week's Main Segment, we highlight an article from Quartz about why you shouldn't rush to quit your day job to pursue your dreams, as told by someone who quit their day job to pursue their dreams. So if happiness isn't found at the 9 to 5 and happiness isn't found in pursuing your dreams...where does happiness hide? We're glad you asked. That's why we spend the second half of the show discussing how to locate the sweet spot between your dreams, hobbies, day job while still making a livable income. Announcements: Look for us at #FINCON16! Debt Free or Die Trying is now available in stores and DebtFreeOrDieTrying.com is live. Be sure to check them both out. See what we did there? We’re happy to announce that we’ve been featured on iTunes and have been as high as #19 in the Business category! Be sure to check it out. You can also helps us reach an even larger audience by leaving us a five star review. Thank you all for the continued love and support!! Looking for more career development and debt freedom tips? Join our email list at PaychecksandBalances.com/email for exclusive content including show updates, digital giveaways, and more. We don’t spam. We just keeps it real. Yes, keeps. LIKE us on Facebook.com/PaychecksandBalances or follow us on Twitter @PayBalances!

It's hard to believe it. Marcus' book -- yes, the one he has been talking about for over 3 years -- is finally available in stores in paperback and as an eBook. Visit paychecksandbalances.com/DebtFree to buy the book and learn more helpful tips for beginning your journey towards debt freedom. On this episode, Marcus talks about the motivation for writing the book (all thanks and shout-outs to the listeners for the support). On a more reflective tone, the Money Minute segment covers the pros and cons of writing a book about being debt free. This debt freedom journey has included many supporters, a fair share of naysayers and who can forget, the haters. Fortunately, the chorus of support has far out-sung the whispers of negativity. The moral of the story? Not everyone is meant to support your journey or hear your voice. Focus your energy on the group that's ready to help, listen, and make you a better person. We've found our motivation through you. Bless up! So what's next for us? Wait...we thought this was the end of the journey. Make a funformative podcast. Release the book. Netflix and chill time, right? WRONG! It's time we embrace the hustle hard system, no Rick Ross, as Paychecks & Balances had its best month in August 2016! This has motivated us even more. You deserve the best so we'll continue to get better. We look forward to continuing to bringing you great content that helps raise your paychecks and lower your balances. We'll also remember how we got here -- and maybe even try not to forget where we came from? So, if you're a listener and you have a question or want a topic covered, don't hesitate to contact us. Remember, you ask the questions, we find the answers. Announcements: Look for us at #FINCON16! Debt Free or Die Trying, the book, is in stores and DebtFreeOrDieTrying.com is live. Be sure to check them both out. See what we did there? We’re happy to announce that we’ve been featured on iTunes and have been as high as #19 in the Business category! Be sure to check it out. You can also helps us reach an even larger audience by leaving us a five star review. Thank you all for the continued love and support!! Looking for more career development and debt freedom tips? Join our email list at PaychecksandBalances.com/email for exclusive content including show updates, digital giveaways, and more. We don’t spam. We just keeps it real. Yes, keeps. LIKE us on Facebook.com/PaychecksandBalances or follow us on Twitter @PayBalances!

Episode 111 is live! This week, we talk with Rich Jones in San Francisco, CA. Rich is a Technical Recruiter at a large dot com company. He’s a certified professional in Human Resources with over seven years of recruiter and HR experience. Rich also co-hosts the Paychecks & Balances podcast. Paychecks & Balances is a fun-formative podcast covering work and money for the rising professional. On today's episode, Rich shares the biggest financial issue faced today by professionals, how to ask your current boss for a raise, and secrets to effective negotiation at a new job. Listen and learn more! You can play the podcast here, or download it on iTunes or Stitcher. To learn more about Rich's podcast, Paychecks & Balances, visit his website at PaychecksAndBalances.com. Thanks to everyone for listening! if you have questions, you can e-mail me at Angela(at)CopelandCoaching(dot)com. If you've enjoyed the program today, please be sure to subscribe on iTunes and leave me a review!

This week, Paychecks & Balances is happy to introduce "Ask a Professional." We've realized that we don't know everything, but we do know people who know a lot of answers to those things questions we can't answer. With the help of Desiree Mullins, a licensed real estate agent in New York City, we will navigate some frequent questions for first time home owners and renters re-entering the current real estate and housing market. Inspired by a StreetEasy article estimating some New Yorkers spend upwards of 60% of their income on rent, Desi helps us understand how this came to be; the best time to rent for buyers; why "the rent is too damn high"; and much much more. Sit back, listen, learn and enjoy! Announcements: Looking for more career development and debt freedom tips? Join our email list at PaychecksandBalances.com/email for exclusive content including show updates, digital giveaways, and more. We don’t spam. We just keeps it real. Yes, keeps. LIKE us on Facebook.com/PaychecksandBalances or follow us on Twitter @PayBalances! Have an anonymous question? Drop a question at ask.fm/PayBalances. Our only request: Please be respectful.

Welcome to the first episode of Paychecks & Balances. We know time is money, so we didn't waste any time tackling our first show topic: "Paycheck Plateaus." What's a Paycheck Plateau? It's when you constantly find yourself with too much month left at the end of your money. At PaychecksAndBalances we've learned the hard way that your money stops growing way before you stop getting older and how a $5,000 mistake in your 20s can cost you over $630,000 by your 60s. That's why we spend this episode breaking down the money and career decisions you need to prioritize at each phase of your career in your 20s, 30s, and 40s.  Tune in so you can know better, then do better. Announcements: Looking for more career development and debt freedom tips? Join our email list at PaychecksandBalances.com/email for exclusive content including show updates, digital giveaways, and more. We don’t spam. We just keeps it real. Yes, keeps. LIKE us on Facebook.com/PaychecksandBalances or follow us on Twitter @PayBalances! Have an anonymous question? Drop a question at ask.fm/PayBalances. Our only request: Please be respectful.

Welcome to Paychecks & Balances first Question and Answer session. This week we tackle two listener questions: In the middle of a job search (looking for more money & more responsibility) and just found out that my dad is sick. I’ll probably need to travel often to help with doctor’s visits/treatment. Should I put my search on hold/decline offers or take the job and then slowly reveal my situation? Hi, I work in insurance. I really like insurance, but I don’t really like the culture of the insurance industry. For this reason, I’m interested in possibly pursuing opportunities at insurance start-ups. There’s one in particular that I’m interested in. My question is: how does startup recruiting work, and how is it different than recruiting at more mature companies. Also, given the info I’ve shared so far, how would you go about starting a conversation with the recruiting function at the startup I’ve described? Have a question for us? Contact us at info@paychecksandbalances.com or quickly access our ask.fm account at ask.fm/PayBalances. Announcements: Looking for more career development and debt freedom tips? Join our email list atPaychecksandBalances.com/email for exclusive content including show updates, digital giveaways, and more. We don’t spam. We just keeps it real. Yes, keeps. LIKE us on Facebook.com/PaychecksandBalances or follow us on Twitter @PayBalances! Have an anonymous question? Drop a question at ask.fm/PayBalances. Our only request: Please be respectful.