Podcasts about paying off debt

James Swanwick shares his incredible journey from being $1 million in debt and living with his dad at 45, to building an 8-figure enterprise. He delves into the mental shift that saw him scale his stop drinking coaching business by raising prices, focusing on high achievers, and getting serious about data-driven decision making. James highlights the importance of connecting deeply with clients, shedding ineffective partnerships, and leveraging tools like ChatGPT to better understand customer pain points. This episode is packed with insights on how to turn around a struggling business and achieve what James calls 'entrepreneurial utopia.' 00:00 Introduction: From Debt to Success 00:30 The Turning Point: Raising the Price 02:02 Building the Blue Blocking Business 05:30 Challenges and Family Dynamics 07:48 Financial Struggles and Pandemic Impact 09:59 Climbing Out of Debt 13:02 Strategic Changes and New Partnerships 25:34 The Rise of the Stop Drinking Business 33:02 High Ticket Coaching and New Beliefs 34:06 The Power of Pain in Marketing 35:41 Transforming the Business: From Lifestyle to Serious Growth 37:28 Mindset Shift and Strategic Changes 41:11 The Impact of Paying Off Debt 43:22 Connecting with Clients on a Deeper Level 47:55 Achieving Entrepreneurial Utopia 53:33 The Alcohol-Free Lifestyle 01:03:57 Conclusion and Reflections

I'm joined by Rod Griffin, Senior Director of Public Education and Advocacy at Experian, to unpack some surprising insights from their latest survey on paying off debt. You'd think paying down debt would instantly feel like a weight lifted – but for many, it's not that simple. Rod shares why some people don't feel that immediate impact and what you can do to make the most of your financial progress. In this episode we discuss:  The unexpected emotional disconnect some people experience after paying off debt. Why a three-month period may be key to fully feeling the benefits of being debt-free. How mindset shifts – not just willpower – are essential for staying out of debt. Why having cash on hand might not prevent people from taking on more debt. How social media can fuel unnecessary spending and financial pressure. The concept of quiet debt and why so many people struggle to talk about it. How open conversations about money can alleviate shame and guilt. The critical difference between credit and debt – and why that distinction matters. You'll walk away knowing: Paying off debt can have emotional benefits, but not everyone feels a significant change immediately. A three-month period is often needed to fully feel the impact of paying off debt. Mindset shifts are crucial for staying out of debt; willpower alone isn't enough. Having cash on hand may not prevent people from taking on debt. Social media can create pressure to keep up with others, leading to unnecessary spending. Finding personal anchors and understanding true needs can help manage debt. People are looking for ways to both reduce expenses and increase income to manage debt. Quiet debt refers to hidden financial struggles that people often don't discuss. Shame around money is common, but open conversations can relieve that pressure. Credit and debt are different; understanding this can help manage finances better. Follow the show so you never miss an episode, and keep the conversation going on Instagram @everyonestalkinmoney. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this solo episode of The Tactical Empire, Shawn discusses common personal finance tips and how they are redefined within the framework of their 90 Day Accelerator program. Key topics include the exercise of determining a family's bare ass minimum (BAM), the importance of protecting and investing income rather than merely saving, and the strategic approach to handling debt. Sean emphasizes the value of investing in education, skills, and cash flow assets to achieve greater financial freedom and high achievement.00:00 Introduction to Tactical Empire00:44 Rewiring Personal Finance Beliefs01:43 Cutting Unnecessary Expenses04:49 Saving and Investing Strategies06:47 Debunking Retirement Savings Myths09:38 Paying Off Debt vs. Investing13:09 Conclusion and Contact Information

Send us a textFrom episode #35 with Alex the mental health nurse. Since recording this Podcast, Alex has started his own Podcast and I have included further details in the show notes below.Contact Meinfo@joshuaphilip.co.ukwww.joshuaphilip.co.ukReferral Codeshttps://joshuaphilip.co.uk/links/Money & Mental Health Policy Institute https://www.moneyandmentalhealth.org/Nursing Your Way To Wealth Podcasthttps://open.spotify.com/show/5A9cUOK1lgr1bELeoaoX2i

We didn't realize how much stress we were carrying… until it disappeared.In this episode, we open up about what life has felt like on the other side of debt... mentally, emotionally, and relationally. We talk about how becoming debt-free has shifted our mood, strengthened our marriage, deepened our connection, and even helped us enjoy the little moments again.We also share how this season of financial peace is helping us dream bigger, parent with more clarity, and fall in love with life and each other all over again.If you've ever carried the quiet weight of financial pressure, this one is for you.

Most gym owners aren't avoiding money talk because they don't care—most are avoiding it because they don't know where to start.Welcome to the Gym Marketing Made Simple podcast, your go-to resource for exploring the strategies that boutique fitness gyms need to thrive. Hosted by Blake Ruff and Sherman Merricks, this show simplifies marketing and sales so owners can attract clients and boost revenue confidently.Episode HighlightIn this episode, financial coach and longtime gym owner Billy Hofacker discusses how he went from $130,000 in debt, with a repossessed car and no financial plan, to becoming debt-free while running a gym. He breaks down the mindset shifts, systems, and real-life habits that helped him turn things around. Key InsightsWhy being “good with money” starts with creating a clear identity, not a spreadsheet.The hidden link between financial health and gym growth.How to set financial goals that are specific enough to take action.What discipline looks like when you're running a gym and managing debt.Why understanding your financial motivation is more important than following trends.How gym owners can build freedom by making small, consistent changes.Billy's simple framework for financial stability (no finance degree required).Episode Chapters:00:00 Intro00:05 Money as a Tool and Initial Thoughts on Financial Management02:48 Billy Hofacker's Background and Financial Journey10:28 The Importance of Financial Planning and Mindset20:41 Challenges and Successes in Financial Management25:46 Practical Advice for Financial Success26:02 The Role of Identity in Financial Management27:17 The Impact of Financial Success on Personal and Professional Life27:33 The Importance of Financial Education and Resources30:11 Connecting with Billy Hoffa and Additional ResourcesSupporting Links:Fitness Profits Book: Get it hereSchedule a Free Q&A Call: Book a timeConnect on Instagram: @billyhofackerConnect on Facebook: https://www.facebook.com/billyhofackerEvery gym owner deserves the chance to grow without financial pressure weighing them down. Be sure to subscribe for more episodes that break things down without fluff. See you next time on Gym Marketing Made Simple Podcast.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3099: Michelle Schroeder-Gardner offers practical, empowering tips to help you stay motivated while tackling debt and sticking to a budget. By visualizing goals, celebrating small wins, and fostering a mindset of appreciation over consumption, you'll build lasting habits that lead to financial freedom and a more intentional life. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/09/how-to-stick-to-a-budget-financial-motivation.html Quotes to ponder: "Finding financial motivators will help you continue to work hard towards your goal, even when it seems impossible." "Making your goal visual is a great way to find motivation." "You can still enjoy life, do many of the same things you usually do, and so on." Episode references: Personal Capital: https://www.personalcapital.com Mint: https://mint.intuit.com A Cultivated Nest: https://acultivatednest.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3099: Michelle Schroeder-Gardner offers practical, empowering tips to help you stay motivated while tackling debt and sticking to a budget. By visualizing goals, celebrating small wins, and fostering a mindset of appreciation over consumption, you'll build lasting habits that lead to financial freedom and a more intentional life. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/09/how-to-stick-to-a-budget-financial-motivation.html Quotes to ponder: "Finding financial motivators will help you continue to work hard towards your goal, even when it seems impossible." "Making your goal visual is a great way to find motivation." "You can still enjoy life, do many of the same things you usually do, and so on." Episode references: Personal Capital: https://www.personalcapital.com Mint: https://mint.intuit.com A Cultivated Nest: https://acultivatednest.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3099: Michelle Schroeder-Gardner offers practical, empowering tips to help you stay motivated while tackling debt and sticking to a budget. By visualizing goals, celebrating small wins, and fostering a mindset of appreciation over consumption, you'll build lasting habits that lead to financial freedom and a more intentional life. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/09/how-to-stick-to-a-budget-financial-motivation.html Quotes to ponder: "Finding financial motivators will help you continue to work hard towards your goal, even when it seems impossible." "Making your goal visual is a great way to find motivation." "You can still enjoy life, do many of the same things you usually do, and so on." Episode references: Personal Capital: https://www.personalcapital.com Mint: https://mint.intuit.com A Cultivated Nest: https://acultivatednest.com Learn more about your ad choices. Visit megaphone.fm/adchoices

This episode is sponsored by Shopify! Sign up for a $1 per month trial period at http://www.shopify.com/cimorelli Today we dive into the wild world of Reddit stories to bring you a lighthearted episode that had us laughing! We react to Am I The “Jerk” stories about showering, debt, splitting the bill and more. Which story do you think is the funniest?

Debt can feel overwhelming, but with the right strategies, it's possible to pay it off and achieve financial freedom. In this episode, we'll break down effective methods for tackling debt, including the popular snowball and avalanche methods. Whether you're dealing with credit card balances, student loans, or medical bills, this episode provides actionable steps to help you get out of debt faster.Ebooks: https://payhip.com/mjfm14#tipswithte #podcast #letstalkmoney #entrepreneur #smallbusiness

One of the biggest financial questions I get is: Should I pay off debt first, or start investing? In this episode, I break it all down with a clear, step-by-step framework to help you figure out exactly what makes the most sense for your situation.   We'll cover how to analyze your cash flow, interest rates, and long-term goals, plus why anything over 6% interest needs to go ASAP before you even think about investing. I'll also walk you through using amortization schedules and compound interest calculators to compare different scenarios—because numbers don't lie.   At the end of the day, money is a tool—it's about using it in the smartest way possible. If you're stuck trying to decide where to put your dollars, this episode will give you a no-BS strategy to move forward with confidence.   Key Talking Points of the Episode   00:00 Introduction 01:05 Step 1: Gather key financial documents 04:54 Step 2: Adjust your cash position 09:35 Step 3: Define your life goals 11:21 Step 4: Solve the math equation 18:30 Step 5: Review your financial plan 20:59 Step 6: Automate the process 23:43 Framework recap for debt pay-off   Quotables “If you're not changing it, you're choosing it. Every financial decision you make—or avoid—affects your future.”   “Investing early is great, but not if you're drowning in debt. Know your numbers before making a move.”   “The more intentional you are with your money, the faster you'll hit your financial goals.”   Links   Budgetdog https://budgetdog.com

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If you want to know how to invest in real estate in 2025, even if you earn an average salary, you're in the right place. In this episode, we're going to break down the exact steps YOU can take to buy your first or next rental property—yes, even in today's tough housing market! Welcome back to the Real Estate Rookie podcast! Today, Ashley, Tony, and investor Luke Carl are going to share how they would invest in real estate in 2025 if they were starting from scratch. We'll look at today's housing market from the perspective of someone who earns an average salary of $75,000 or less and share our favorite strategies, property types, and loans for a beginner. Stay tuned to learn why Ashley recommends forming a partnership for your first real estate deal, why Tony loves the NACA mortgage, and why Luke likes to target properties that need a little love. We'll also share our top tips for new investors—from getting a mentor and building rapport with lenders to avoiding “shiny object syndrome” and fast-tracking your savings for a bigger down payment! In This Episode We Cover: How to invest in today's market with an average salary ($75,000 or less) Creative ways to put low (or no) money down on an investment property The best real estate investing strategies for a new investor Whether you should pay off debt before investing in real estate Managing your own rentals versus hiring a property management company And So Much More! Links from the Show Ashley's BiggerPockets Profile Tony's BiggerPockets Profile Join BiggerPockets for FREE Real Estate Rookie Facebook Group Real Estate Rookie YouTube Follow Real Estate Rookie on Instagram Ask Your Question for a Future Rookie Reply “Like” Real Estate Rookie on Facebook NACA Luke's Website Maximize Your Real Estate Investing with a Self-Directed IRA from Equity Trust Grab the Book “Smarter Short-Term Rentals” Sign Up for the Real Estate Rookie Newsletter Find Investor-Friendly Lenders Real Estate Investing for Beginners: How to Get Started Connect with Luke   (00:00) Intro (00:57) First Steps for Rookies (07:44) Building a Financial Foundation (11:40) Getting Preapproved (16:35) Best Property Types (23:04) Finding the Deal (29:38) Paying Off Debt vs. Investing (33:29) Advice for New Investors (36:16) Connect with Luke! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/rookie-531 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a textFrom North East Scotland, Jennifer found herself in £30,000 of debt during a cost-of-living crisis. She shares how, alongside her job as a vet, she started a travel agency side hustle and is now on the cusp of becoming completely debt-free.Referral CodesBe sure to check out this Google Doc which has a whole host of referral codes.https://docs.google.com/document/d/1UeZ9Lq6Tid8uFp2GqzjQEv9riNgTEsdnu4_sGp3O_mM/edit?tab=t.0#heading=h.l3zwfjlrqlnsJennifer's Social Media (Instagram)@eskescapes and @alignedandintentionalfiIntelligent Investment Today - The Warren Buffett WayINTELLIGENT INVESTMENT TODAY, a Shortcast "mini-podcast" series each around ten...Listen on: Apple Podcasts Spotify

Have you ever caught yourself comparing your financial journey to someone else's? Maybe you've felt like you're just not "good with money" because others seem to have it figured out. This shame traps you in a cycle of avoidance and keeps you stuck in unhealthy financial choices that hold you back from meeting your goals.In today's episode, I explain reflection shame, how it might show up for you, and why a fixed mindset is keeping you from making progress in regaining control of your finances. I discuss how to break free from shame and the impulse to compare yourself to other people. Then, I give you actionable steps to help you shift your mindset and start aligning your spending and financial habits with what you want to do with your goals.Whether your goal is saving, paying down debt, or just learning to track your spending, today's episode teaches you the tools to stop comparing and start growing. Listen for key insights on reflection shame… [01:00] Ways shame might show up for you [04:56] How a fixed mindset is keeping you stuck [20:14] Steps to shift your reflection shameTune into this episode of Money Files to learn how to shift your reflection shame so you can stop comparing your finances to others and begin establishing financial security. Get full show notes and the episode transcript: https://wealthovernow.com/how-to-stop-comparing-your-financial-journey-to-others/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending planMindset: The New Psychology of Success: 9780345472328: Dweck, Carol S.: Books140 | Why Non-Budget Victories Are the Building Blocks to Paying Off Debt and Saving Money

Get social with me: Instagram: @whitney_hansen_co Tiktok: @whitneyhansen10 Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode of the New Money Habits podcast, Coach Nino Villa addresses questions from the community regarding financial decisions, including whether to pay off a car loan, the impact of paying off debts on credit scores, and how to budget for pets. He emphasizes the importance of understanding personal feelings towards debt, the nuances of credit scores, and the need for thoughtful budgeting rather than arbitrary numbers. The episode also highlights the resources available through the New Money Habits community on Patreon.

In this conversation, Rho Thomas, a money coach for lawyers, discusses the financial struggles faced by legal professionals, particularly focusing on student loans, lifestyle expectations, and the impact of debt. Rho emphasizes the importance of intentional spending, budgeting, and making significant financial decisions, such as housing choices. The discussion also covers the balance between investing and paying off debt, strategies for increasing income, and the importance of communication and shared vision in financial planning. Rho shares her personal journey of overcoming debt and offers insights into building net worth through effective financial management.  Links from the episode:   The guide to mistakes that keep lawyers from making money  Lawyerist Alternative Fee Structures Webinar (March 12)      00:00 Financial Struggles of Lawyers  06:05 Lifestyle Creep: Hidden Costs  11:52 Big Financial Decisions: Housing & Lifestyle  18:01 Investing vs. Paying Off Debt  24:02 Building Net Worth Beyond Debt 

In this conversation, Rho Thomas, a money coach for lawyers, discusses the financial struggles faced by legal professionals, particularly focusing on student loans, lifestyle expectations, and the impact of debt. Rho emphasizes the importance of intentional spending, budgeting, and making significant financial decisions, such as housing choices. The discussion also covers the balance between investing and paying off debt, strategies for increasing income, and the importance of communication and shared vision in financial planning. Rho shares her personal journey of overcoming debt and offers insights into building net worth through effective financial management.  Links from the episode:   The guide to mistakes that keep lawyers from making money  Lawyerist Alternative Fee Structures Webinar (March 12)      00:00 Financial Struggles of Lawyers  06:05 Lifestyle Creep: Hidden Costs  11:52 Big Financial Decisions: Housing & Lifestyle  18:01 Investing vs. Paying Off Debt  24:02 Building Net Worth Beyond Debt  Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Cashology Podcast, Justin sits down with Esmé Ramos, a seasoned banking professional with 16 years of experience, to discuss effective strategies for managing student loan debt. Drawing from her expertise as a branch manager of one of FNBO's busiest locations, Esmé shares seven practical approaches to tackle not just student loans, but any type of loan debt.The conversation explores various debt management strategies, from making extra payments and refinancing for better terms to setting up automatic payments and implementing biweekly payment schedules. Esmé emphasizes the importance of prioritizing high-interest loans and maintaining regular financial check-ups with trusted advisors. The discussion also touches on creative ways to boost income for debt repayment while maintaining a healthy work-life balance.Throughout the episode, Esmé's passion for helping clients achieve their financial goals shines through, as she provides actionable advice that can be customized to individual situations and financial circumstances.Listen here and follow @CashologybyFNBO® on YouTube for more!

Joseph Hogue is a financial expert and investment analyst. After serving in the Marine Corps, he started his career investing in real estate before becoming an investment analyst for some of the largest private investors. He's appeared on Bloomberg and on CNBC as an investment expert and has published ten books in personal finance. Now he helps families increase credit score and reach their financial goals with some of the same advice he used when working for the rich. Joseph has appeared on Bloomberg TV, Fox Business, Morningstar and Forbes. He has self-published 10 books on personal finance and investing. He also runs multiple websites and a popular YouTube channel with over 66K subscribers. In this episode we talk about growing a YouTube channel talking about money, how to choose a goals based investing strategy, why it's important to take advantage of retirement accounts, why formulas don't work when it comes to your planning retirement, and even why Joseph is a big fan of FIRN instead of FIRE. Resources Check out Joseph's YouTube Channel Learn more about your ad choices. Visit podcastchoices.com/adchoices

I'm spilling the tea on 10 secrets to paying off debt that no one talks about—the hacks, mindset shifts, and strategies that will finally help you take control of your finances and kick your debt to the curb. No boring advice here. We're getting tactical, emotional, and a little unconventional with tips that actually work. Whether you've got credit card debt, student loans, or just want to get ahead faster, this episode is packed with actionable steps to help you crush your debt while still living your life. What You'll Learn in This Episode: Why mindset is the #1 key to paying off debt. The Debt Snowglobe trick for staying motivated. How micro payments can save you thousands in interest. A 7-day financial detox to uncover hidden spending leaks. Resources Mentioned in This Episode: Debt Payoff Calculator: Take the guesswork out of your debt-free journey. Plug in your numbers and see exactly how fast you can crush your debt. Click here to access the calculator. Pre-Order My Book: Ready to rewrite your money story? My book, Unraveling Your Relationship with Money, is your no-BS guide to healing your money blocks, ditching financial shame, and building unapologetic wealth. Pre-order your copy here. Let's Connect! Follow me on Instagram @shannahgame for more tips, behind-the-scenes content, and a little dose of motivation to keep you going on your financial journey. Learn more about your ad choices. Visit megaphone.fm/adchoices

Getting everyone into the car after basketball practice, dreading the inevitable 'What's for dinner?' question...We've all been there. Because let's be real - between coaching the team and running a business, something had to give. And dinner prep was usually that something.But that nightly takeout habit? It was costing us nearly $200 extra each week during basketball season.In today's episode of The Debt Payoff Podcast (Episode 143), I'm sharing:The difference between regular busy seasons and true emergenciesHow to create simple systems that prevent panic spendingA realistic approach to saving convenience for when you truly need itThe exact system we created for basketball season (and how you can adapt it)Because paying for convenience every day gets expensive fast - but having it as a backup plan for when life gets hard? That's priceless.Get your free copy of 9 Ways to Break Up With Your Credit Cards: https://www.katyalmstrom.com/9-ways Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2448: Barbara Delinsky offers practical advice on protecting your marriage while tackling debt, focusing on shared goals, effective communication, and working as a team. Her approach highlights how financial collaboration can reduce stress and deepen your connection during challenging times. Read along with the original article(s) here: https://www.thebudgetmom.com/8-tips-to-protect-your-marriage-while-paying-off-debt/ Quotes to ponder: "Marriage is a partnership, and tackling debt should be approached as a team effort." "Debt can create tension, but with open communication and shared goals, it can also bring you closer." "Financial challenges can strengthen your relationship if you face them with understanding and unity." Episode references: The 5 Love Languages: https://www.amazon.com/5-Love-Languages-Secret-Lasts/dp/080241270X The Total Money Makeover: https://www.amazon.com/Total-Money-Makeover-Financial-Fitness/dp/0785289089 Learn more about your ad choices. Visit megaphone.fm/adchoices

In the first episode of the EmpowerED Well-being Podcast for Teachers, we talk about a simple way to pay off debt called the debt snowball method. This plan helps you feel less stressed about money and take control of your spending. You'll learn how to pay off smaller debts first, build confidence, and keep going until you're debt-free. It's easy to follow, and every step you complete is a reason to celebrate! Download our guide to get started on your own money-saving journey today!Join our community today! Click the link to learn moreThe Teachers Lounge – • Offering early education teachers a tool to set your classroom onto a path of success and build a cohesive and strong team of educators. (theearlyeducationteacherslounge.com)SocialsFACEBOOK:  (1) The Early Education Teachers Lounge | FacebookINSTAGRAM:  The Teacher's Lounge (@eecteacherslounge) • Instagram photos and videosPINTEREST:  (4) PinterestYOUTUBE:  https://youtube.com/@eecteacherslounge

Paying off debt requires a strategic approach to reduce financial burdens effectively. Start by listing all debts, including balances, interest rates, and minimum payments. Prioritize high-interest debts first using the avalanche method or tackle smaller balances with the snowball method for motivational wins. Create a budget to allocate extra funds toward repayments while maintaining necessary expenses. Consider consolidating debts into one lower-interest loan or negotiating with creditors for better terms. Avoid accumulating new debt by limiting credit card use and focusing on living within your means. Regular payments and disciplined spending are key to achieving a debt-free financial future.

Are you worried you won't be able to retire at sixty-five? Feeling financially limited in your fifties and need a retirement plan so you can finally stop working? Well, we made this episode just for you. Today, we're teaching you how to retire on time at age sixty-five (or even retire early!) if you're starting from zero with no money to your name. We spell out exactly what we would do to go from a zero-dollar net worth to a million dollars in retirement! This is a step-by-step plan that anyone who wants to retire on time can follow. We'll walk through two personas: Barb, a recently divorced stay-at-home mom reentering the workforce with a zero-dollar net worth. Then, we'll touch on Sally, a six-figure income earner who also is starting from zero. Both scenarios take slightly different steps, so listen closely because your income level could completely change your money moves! Don't give up on retirement! No matter your age, these simple steps can help get you to a financially stable (if not flourishing) position. We'll talk about how to make more money, cut expenses, save every month, which investments you should prioritize for retirement, and what to do if you're still in debt! In This Episode We Cover How to go from broke at fifty to millionaire (and retirement-ready!) at sixty  The one beginner-friendly investment that could make you richer (faster) than traditional retirement accounts  Starting a side hustle and how to make more money so you can retire faster  The passive, stable, and relatively safe investment that anyone can put their money into  When to pay off debt and which interest rates to prioritize first  How to become a personal finance genius in just a year simply by “listening”  And So Much More! Links from the Show Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Join BiggerPockets for FREE Email Mindy: Mindy@biggerpockets.com Email Scott: Scott@biggerpockets.com BiggerPockets Money Facebook Group BiggerPockets Money 169 - Breaking the Taboo of Talking About Money with Friends, Family, and Bosses w/Erin Lowry  BiggerPockets Money 586 - Average Net Worth by Age (How Do You Compare?) Email setforlife@biggerpockets.com for a Free Copy of Set for Life Support Today's Show Sponsor, Connect Invest, the Alternative Way to Earn Passive Income Through Real Estate Grab Scott's Book, “Set for Life” Find an Investor-Friendly Agent in Your Area BiggerPockets Money 422 - The Late Starter's Guide to Financial Independence (Even in Your 50s!) (00:03) Intro (02:21) How to Start from ZERO! (06:33) Stay-at-Home Mom, No Income, Divorced (20:08) Six-Figure Income, $0 Net Worth (27:32) Investing Your Money (31:34) Paying Off Debt (36:24) Want More Retirement Strategies? Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-591 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Transforming Your Financial Journey[00:09:01] “That was when I realized, wow, I have just been following someone else's recipe for success and it does not feel like that for me. I did what I suspect a lot of people would do once they figure out that they are in a massive amount of debt. I googled how to get out of debt and how to get out of debt fast.”[00:16:16] “And so one day a week on my screenless Sunday, I don't have to impress anybody. I don't have to do anything to try to convince people of who I am or how I'm valued. And I just be, and that one habit that I have implemented for the last couple of years now has done such wonders for both my mental health and my wealth building journey. Because I started to see, oh, actually there's a lot of things that I can do that brings me peace and actually makes me feel like a valuable person that doesn't rely on external validation.” [00:39:23] “I've had hundreds of people to test this [CRUSH] framework on over the last eight years. The acronym stands for Curate your accounts, which is C. Reverse into independence, Understand your net worth, Spend intentionally, and then H is heal your money wounds. The book is structured where there's five habits that you can try per step in the framework.”Connect with Bernadette JoyWebsite - https://www.crushyourmoneygoals.com/  Instagram - https://www.instagram.com/bernadebtjoy/LinkedIn - https://www.linkedin.com/in/bernadebtjoy/YouTube - https://www.youtube.com/@bernadebtjoyX - https://x.com/bernadebtjoyCrush Your Money Goals Free Guide - https://www.crushyourmoneygoals.com/freeguideAudio/video editing and show notes by Podcast Abundance. Find out how they can help you too by visiting www.podcastabundance.com/services Learn together, cheer each other on, and pursue financial wellness alongside others who value living life by design. Join for free at https://goodegginvestments.com/invest Now OPEN: 71-unit multifamily investment in Phoenix, AZ https://goodegginvestments.com/north Connect with GoodeggWebsite - https://goodegginvestments.com/YouTube - @GoodegginvestmentsInstagram - @goodegginvestments

Do you want to buy a rental property in 2025 but fear money could get in the way? Putting 15%-20% down is a huge hurdle for new investors, but there are several strategies you can use to limit your expenses, grow your income, and even put LESS money down. If you want to know how to save for a down payment as quickly as possible, you need these money-saving tips! Welcome back to the Real Estate Rookie podcast! Before you can invest in real estate, you need to lay a solid financial foundation, and today, personal finance expert, master live-in flipper, and co-host of the BiggerPockets Money podcast, Mindy Jensen, joins the show to weigh in on this crucial topic. Do you have your spending in check? Are you finding ways to grow your income? How's your credit score looking? Whether you're starting from scratch or looking to level up your finances, we'll share some actionable steps you can take toward buying property in 2025. We'll also talk about ways to leverage your retirement accounts to buy real estate, whether you should pay down debt before investing, and other investments (that aren't real estate) that could help you build wealth! In This Episode We Cover: ow to go from ZERO dollars saved to a full down payment for a rental property Whether you should pay off your debt before investing in real estate Creative ways to grow your income so that you can save money faster How to avoid a 20% down payment when buying your first property Leveraging your retirement accounts to buy passive real estate investments How to build wealth with other investment vehicles (beyond real estate) And So Much More! Links from the Show Ashley's BiggerPockets Profile Tony's BiggerPokckets Profile Join BiggerPockets for FREE Real Estate Rookie Facebook Group Real Estate Rookie YouTube BiggerPockets Money 97 – Intentionally Choosing the Path to Financial Independence with Financial Mechanic BiggerPockets Money 35 – Hacking Your Life to Live for (Almost) Free with Craig Curelop Qube Money Buy the Book “Real Estate Rookie” Find Investor-Friendly Lenders BiggerPockets Money 110 – Systematically Increasing Income and Intentionally Decreasing Spending with A Purple Life Connect with Mindy (00:00) Intro (01:13) Laying a Financial Foundation (06:10) Saving for a Down Payment (12:58) How to Grow Your Income (22:59) Other Investment Avenues (28:24) Leveraging Retirement Accounts (31:58) Paying Off Debt vs. Investing (41:07) Connect with Mindy! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/rookie-492 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Cody is joined by Mark Sher and Paul Bechtold from EquityXL to explore an innovative approach to financial freedom through life insurance.

Struggling to stay motivated while repaying debt? You're not alone! Charlie Kovacs, BIA Insolvency Counselor with Hoyes Michalos, joins Debt Free in 30 to share practical strategies to help you stay focused, celebrate small victories, and shift your mindset from guilt to empowerment. Whether juggling student loans, tackling "life quakes," or just figuring out how to prioritize debt, this episode offers expert advice to keep you on track. Sign up for the monthly Debt Free Digest HERE Hoyes Michalos Instagram Hoyes Michalos Facebook Hoyes Michalos TikTok Hoyes Michalos Twitter (X) Hoyes Michalos LinkedIn Credit Rebuilding Course Timestamps (2:50) – Is Tracking Progress Essential for Debt Repayment? (4:30) – The Power of Small, Daily Financial Decisions (5:40) – How Often Should You Review Your Progress? (6:40) – Celebrating Wins: The Role of Little Rewards (8:30) – Ontario Student Loans: Current Trends (10:15) – Prioritizing Debt: Revolving vs. Installment Loans (11:20) – Life Quakes: Handling Major Financial Disruptions (15:30) – How a Financial Professional Can Transform Your Debt Journey (18:20) – Support Systems: Friends and Family's Impact on Motivation (20:50) – Shifting Your Financial Mindset (25:00) – Your Emergency Fund's Purpose (28:30) – Practical Advice for Tracking Progress Should I Pay Off a Credit Card with a Credit Card? Can You Be Forced into Involuntary Bankruptcy? Straight Talk on Your Money by Doug Hoyes Hoyes Michalos Blog Find a Hoyes Michalos Office in Your Area Here Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personalized advice from a qualified financial advisor. Always consult with a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions or strategies discussed.

Is paying off debt or investing (and potentially using more debt) the best way to reach FIRE? The average American has $104,215 in mortgages, student loans, credit cards, and other debt. Where do YOU stand? If the end goal is FIRE, you need a game plan for your debt, in which case this episode is for you! Welcome back to the BiggerPockets Money podcast! Not all debt is bad. When used responsibly, it can be a powerful tool that allows you to buy appreciating assets and hedge against inflation. Today, guest co-hosts Kyle Mast and Amanda Wolfe join our panel to share their thoughts on debt. We'll share how much debt we each have (ranging from zero to millions), how our philosophies on debt have evolved, and how debt can ultimately help you reach FIRE. But that's not all. We'll also discuss the types of bad debt that could derail your FIRE journey and the investments you don't want to be stuck with during an economic downturn. We'll even get into the most important financial protection against debt risk—savings and reserves—and why these funds should grow proportionally to your debt! In This Episode We Cover Paying off debt versus investing (and which strategy is best for FIRE) Why well-leveraged debt is one of the best long-term hedges against inflation The types of debt that could propel you toward an early retirement “Bad” real estate investments you don't want to be holding during a market downturn The most irresponsible uses of debt (that you should avoid at all costs!) Why you should always grow your savings and reserves in tandem with debt How much debt WE have (and how our opinions on debt have changed) And So Much More! Links from the Show Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Join BiggerPockets for FREE Email Mindy: Mindy@biggerpockets.com Email Scott: Scott@biggerpockets.com BiggerPockets Money Facebook Group Buy Scott's Book “Set for Life” Find Investor-Friendly Lenders Pay Off Student Loans or Invest in Real Estate: Which Makes You Wealthier? Connect with Kyle Amanda's Website   (00:00) Intro (01:23) How Much Debt WE Have (06:15) Paying Off Debt vs. Investing (13:46) Starting Your FIRE Journey (21:51) Debt Strategy 101 (31:38) “Unreasonable” Debt (38:23) Bad Real Estate Investments (46:48) Key Takeaways (50:18) Connect with Kyle and Amanda! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-580 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Paying off debt isn't just about following some boring budget advice. If it were that easy, you'd already be debt-free. In this episode, I dive into the real secrets no one talks about when it comes to debt—why it's not just a financial problem but an emotional one and how you can actually flip the script to make it work in your favor. I'm breaking down the psychological side of debt payoff, revealing how small wins can give you the momentum to crush it, and sharing some of the most insane things people have done to get out of debt. Trust me, it's time to get real about what works—and what doesn't. Listener Takeaways: Debt isn't just financial; it's emotional. You need to tackle your feelings of shame, guilt, and fear to truly conquer it. The psychological win method builds momentum—focus on small victories, celebrate them, and use that energy to keep going. Debt-free doesn't mean perfect. Progress over perfection is what matters, so let go of the guilt and keep moving forward. Get creative with how you pay off debt—there's no one-size-fits-all approach, and sometimes, thinking outside the box leads to big results. Accountability is key. Having someone in your corner can make all the difference. Subscribe & Share: If this episode hit home for you, make sure to subscribe and leave a review. And if you know someone else who's drowning in debt and needs some real talk, share this episode with them. CONNECT WITH SHANNAH FREEBIE: Show Me the Money Workshop  FREEBIE: She's Got Wealth Workshop Looking for Money Coaching? Book a complimentary 20-minute call with Shannah to learn more https://savvycal.com/everyonestalkinmoney/comp  Healthy Wealth Program for Women https://etmpod.link/healthywealth   Follow me on Instagram SPONSORS Thanks to Money Picked for sponsoring the show. To schedule a FREE meeting to figure out your next financial steps, go to http://www.moneypickle.com/etm.  Thanks to Wildgrain for sponsoring the show. Wildgrain is offering our listeners $30 off the first box - PLUS free Croissants in every box - when you go to http://www.wildgrain.com/etm to start your subscription. Thanks to Mint Mobile for sponsoring the show. To get your new 3-month premium wireless plan for just 15 bucks a month, go to http://www.mintmobile.com/ETM . Thanks to OneSkin for sponsoring the show. Get 15% off OneSkin with the code ETM at https://www.oneskin.co/  Thanks to Quince for sponsoring the show. Go to http://www.quince.com/etm for free shipping on your order and 365-day returns.  Thanks to NerdWallet for sponsoring the show. Don't wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com. Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it's the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM.  Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order. Learn more about your ad choices. Visit megaphone.fm/adchoices

Many of my clients try paying off debt in lump sums and then get frustrated when they find themselves in four or five figure debt again. As a financial coach, my goal is to help you build sustainable financial habits to help you disrupt the debt cycle. One of my clients recently paid off over $30,000 in debt, and I use her story and others to walk you through my six-step framework for paying off debt sustainably.   If you've ever tried to pay off debt before but found yourself frustrated or even in more debt you'll want to listen to this episode.  While listening you'll gain key takeaways to help become a saver, the secret to paying off debt.  In this episode, I explain why learning how to become a saver will help you pay off debt in these six steps… [04:23] Operational Framework: Why you should become a saver before paying off debt [05:52] Step #1 Uncover why you are in debt [06:14] Step #2 Budget for minimum debt payments [08:04] Step #3 Start setting up sinking funds [11:22] Step #4 Run your plan for 90 days [17:09] Step #5 & 6 Evaluate and Accelerate Tune into this episode of Money Files to understand why saving money is the secret to paying off debt and breaking the debt cycle.  Get full show notes and the episode transcript: https://wealthovernow.com/why-becoming-a-saver-is-the-secret-to-paying-off-debt/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan

This episode is Part 1 of the Debt Dilemmas mini series where Aqura shares the different debt dilemmas that prevent you from taking action on paying off and staying out of debt, despite learning about all the different strategies and tips about how to pay off debt. Episodes referenced: EP 034 The Best & Fastest Way to Achieve Your Biz & Personal Money Goals No Matter How Many Goals You Have or How Big They Are To learn more about 1:1 money coaching with Aqura ⁠⁠⁠⁠click here⁠⁠⁠⁠. You will find all the details about money coaching, who it's for, what you will achieve and how to book a sales call to start working together. Subscribe to ⁠⁠⁠⁠Paid & Profitable⁠⁠⁠⁠, a weekly email series for small business owners who want more profit in their business and more money in their pockets. Your financial security is created from your owner's pay, subscribe and learn how to double it. Follow Aqura on Instagram ⁠⁠⁠⁠@aquranicholson⁠⁠⁠⁠. 

The intention of this meditation is for you to pay of all your debts. This is created around one of my favorite affirmations of all time that I learned from Catherine Ponder I am so happy and grateful for the complete payment of all financial obligations in God's own wonderful way. 

Zoe Pritchard, a YouTuber and personal finance content creator, shares her journey of paying off $35,000 of student debt and improving her relationship with money. Growing up, money was a tense topic in her family which had a direct impact on her own financial wellness.In this episode you'll learn:What happened when Zoe started openly discussing her financial struggles on YouTube.How she paid off $35,000 of student loan debt.What she has done to alleviate her financial anxiety.If you have debt, or struggle with stress around money then this episode is for you!Check out Zoe's Youtube ChannelCatch up with Zoe on Instagram @zoexpritchardYou Might Like: Get the BRAND NEW FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. Follow Allison on Instagram! @inspiredbudget Check out Inspired Budget's blog. Take my FREE class on How to Budget to Build Wealth!

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Regaining control of your finances isn't just about hitting your goals—it's also about who you're becoming throughout the journey as you build a new financial identity. In today's episode, I emphasize the value of non-budget victories. These achievements go beyond major financial milestones like paying off debt or growing your savings. Non-budget victories can include anything from developing better financial habits to having impactful money conversations. I share an  overview of non-budget victories so you can start celebrating financial wins. Then, I'll share examples of my clients' non-budget victories and explain how these wins are crucial building blocks for long-term success. Finally, we'll explore how celebrating these non-budget victories helps reframe your progress and encourages a growth mindset. Join in as I discuss non-budget victories… [01:34] Why our brains focus on what's not working [04:40] Why It's okay to not reach your goal right away [06:25] The impact of celebrating non-budget victories [14:53] Why it's important to celebrate every win Tune into this episode of Money Files to learn how non-budget wins are the building blocks to financial success. Get full show notes and the episode transcript: https://wealthovernow.com/why-non-budget-victories-are-the-building-blocks-to-paying-off-debt-and-saving-money/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan

In this special Q&A episode: 5:52 Listener Questions Begin 7:53 Paying Off Debt vs. Investing 8:43 Retirement Savings Strategies 10:21 Employee Stock Purchase Plans 14:37 Risk Management in Retirement 16:10 Finding Purpose in Retirement 16:33 Building a New Home 22:22 Financing vs. IRA Withdrawals 23:50 HSA vs. Roth Contributions Learn more about your ad choices. Visit megaphone.fm/adchoices

Daniel and Logan talk about the importance of debt payoff and why it is so crucial for building wealth.

Hear different perspectives on how to pay off debt — and when to stop paying off debt to focus on investing your money. When should you prioritize investing over paying off debt? What are different debt payoff methods to help you become debt-free? Hosts Sean Pyles and Elizabeth Ayoola and NerdWallet debt writer Tiffany Curtis answer a listener's question about balancing debt payoff and investing. They start by breaking down the debt snowball and debt avalanche methods of paying off debt, then delve into the pros and cons of investing while paying off debt. In their conversation, the Nerds discuss: debt repayment, debt snowball method, debt avalanche method, debt-free life, loan repayment, high-interest car loans, mortgage repayment, strategic repayment, debt payoff strategies, investing vs. debt payoff, loan payoff methods, interest rates, small victories, analytical approach to financial decisions, financial personality, debt motivation, high-interest loans, loan prioritization, mortgage loans, car loans, investment vs. debt, debt repayment tips, debt payoff journey, financial goals, debt payoff plan, interest to investment, financial trajectory, and long-term financial planning. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend.

Snag Our Signature Budget Template! Hey, budget besties! Today we've got some stories from our clients that we think will really resonate with you. These real-life lessons are like free coaching sessions, packed with tips and inspiration to help you on your financial journey. So, let's get into it! Episode Highlights: 1. Celebrating Small Wins with a Single Mom: - Shana had a heart-to-heart with a single mom who's saved $50K—go girl! But she also financed $3K for furniture. We dive into why people use credit even when they have cash and how it impacts our financial security. 2. Finding Balance for a Dedicated Nurse: - Meet a nurse who's working two hospital jobs to pay off debt. She's giving it her all, but it's leading to burnout. We discuss the importance of balancing hard work with self-care to stay on track without burning out. 3. Convenience vs. Cost: - Life is hectic, and those gas station snacks and drive-thru meals can add up quickly. We share practical tips for cutting down these costs without sacrificing convenience or health. 4. The Power of a Phone Call: - A couple we coach made a call that reduced their credit card interest from 29% to 0%, saving them $600 a month! We talk about the importance of advocating for yourself and asking for better terms. Key Takeaways: Credit vs. Cash: Having cash doesn't mean security if you're carrying debt. Focus on paying off debt to truly own your money. Avoid Burnout: It's crucial to find a sustainable work-life balance. You can pay off debt without sacrificing your well-being. Small Changes, Big Impact: Cutting back on convenience spending can save you a lot. Start small and see the difference. Advocate for Yourself: Don't hesitate to call creditors and ask for better terms. It can make a significant difference in your budget. 4 Ways To Connect With Us: 1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall  2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.budgetbesties.com/facebook  3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget  4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It's the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching  "I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don't forget to follow the show so you don't miss any episodes! And, if you're feeling really generous, we'd be SO honored if you would share this podcast with someone.  Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase! 

Should you pay off your mortgage if your interest rate is

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