Podcasts about paying off debt

Curious? Take The Free Money Stress Quiz!Ready? Buy Our Simplified Budget System Now!Budget besties, this one is a FULL-CIRCLE moment.

What if you don't need more money to pay off your debt? What if you just need to see what's already in your house? That's the pattern hiding inside a story in 2 Kings 4. A widow. A dead husband. A creditor at the door. And one small flask of olive oil that God multiplied until her debt was gone. This episode was recorded live from one of our workshops. Linda and I walk through the whole story, verse by verse. Then we pull five simple steps out of it for paying off debt fast: Name your need. Take inventory of your house. Gather your jars. Shut your door. And pour your flask. We also tell our own debt payoff story, starting with a blog that made $100 a month. And why students in our Mission Driven Millionaire coaching program have paid off $17,000, $25,000, even $65,000 of debt in a matter of months… This isn't a budgeting lecture. It isn't a "just have more faith" pep talk either. It's a biblical formula for getting in step with how God works. And it might change how you see your debt for good. So grab a notebook. You're going to want to write this one down. If you enjoyed this, we'd love to invite you to apply for our Mission Driven Millionaire cohort starting soon - can you learn more at: https://seedtime.com/apply   What We Cover Here's a little of what we cover in this episode: The 5-step biblical pattern we found hiding in a story most people skim past Why the widow almost missed her own miracle (and how we almost missed ours) The one line in this story that changes what "faith" actually means for your money A simple way to tell if an idea is from God or just your own anxiety talking The real story behind how we paid off all our debt, starting with a blog making $100 a month Why "getting out of debt" was never supposed to be the finish line What happened when one of our own financial mentors told us we were making a huge mistake   Bible Verses Mentioned 2 Kings 4:1-7 Proverbs 3:9-10 Proverbs 11:14 2 Chronicles 7:14 Ephesians 3:20   Resources Mentioned Simple Money, Rich Life Mission Driven Millionaire program True Financial Freedom course   Disclaimer Obligatory legal disclaimer: I'm a financial educator, not your financial advisor, investment advisor, tax pro, or lawyer. This channel is for general education, not personalized advice, and nothing here should be taken as a recommendation to buy, sell, or use any specific investment, account, or financial product. I'm just sharing what I'm doing, what I'm learning, and what I find interesting. Markets can be humbling. Investing involves risk, including the risk of losing money, and my results are personal, may not be typical, and are not guaranteed. Do your own research, use wisdom, and talk with a qualified professional before making financial decisions. Some links are to our resources and some are affiliate links, which means we may earn a commission at no extra cost to you. That helps keep the lights on around here, so thanks for the support.

If you know you want more savings, less debt, more money invested, and more peace around money, but you can't get yourself to do those things consistently, this episode is for you.Because the financial life you want is not just about what you want to have.It is also about who you are becoming with money.In this episode, we're talking about why saving money, paying off debt, investing more, and feeling more in control financially requires more than information.It requires a different relationship with money.A different identity.Different habits.Different standards.Different decisions.And a different way of showing up with the money already in your life.We'll get into:Why focusing only on the outcome may keep you stuck.Why the woman who has the financial life you want handles money differently.How today's money habits create tomorrow's financial life.Why information alone does not create lasting change.The question that can help you think differently about your financial future.If you've ever thought, “I know what I should be doing with money, but I'm not doing it consistently,” this episode will help you see what may actually need to change.Because the goal is not just to save more, pay off debt, or invest more.The goal is to become the woman who naturally creates those results over and over again.Ready for support?If you're tired of feeling like you should be further along financially by now and you're ready to get to the root of what's keeping you stuck, I invite you to CLICK HERE to book a 1:1 Financial Clarity Consultation.This is for women who make good money but still struggle with overspending, debt, saving, or building wealth consistently.Together, we'll look at where you are, where you want to be, what's actually standing in the way, and whether money coaching would help you overcome your biggest financial challenges and reach your goals faster.Click Here to Schedule yours today

Hey Hey!   My goodness this summer has just flown by!    While summer may have gone by in a rush, that doesn't mean my budget came out unscathed! Today I'm going to share with you all of the changes that summer has wrecked upon my budget. How we came to these decisions and how we are going to move forward with our new budget.    So go get your drink, open your heart to God and I'll see you inside!    Much Love    Molly    P.S. I want to invite you to grab some Budget Coaching. This is where I walk you through setting up your budget and coach you through sticking to it. To learn more, email me at mollybenell@gmail.com and let's get you out of the overwhelm and into confidence.  . . . Next Steps:  . Book a Call  . Join The Community  . Become an Insider . Questions? Email me at mollybenell@gmail.com

Are you wondering what happens to your credit score after paying off debt? Paying off debt is a significant achievement, but it can have both positive and negative effects on your credit score. In this video, we'll explore the impact of debt repayment on your credit score, including how it can improve your credit utilization ratio and potentially increase your credit score. We'll also discuss how paying off debt can sometimes lead to a temporary decrease in credit score, and what you can do to minimize this effect. Whether you're trying to rebuild your credit or maintain a good credit score, this video will provide you with valuable insights and tips on how to manage your credit score after paying off debt. Watch until the end to learn more about the relationship between debt repayment and credit scores.Please be sure to like, comment and share! Got a real estate question? Share it in the comments below!Subscribe to Jason's YouTube channel: https://www.youtube.com/c/ItsAllAboutTheRealEstateCheck out other episodes of The AskJasonGelios Real Estate Show Here:https://www.youtube.com/watch?v=MU7f-6MnAvo&list=PLiRVzHeT4hfc_zObdgb2_hpwyIj8qsej0

"You're not panicking about your debt, but you're not really moving either. You're just coasting.In this episode, Andrea shares the next chapter of her credit card debt payoff journey and introduces the four emotional stages that almost every person goes through when they are working to get out of debt. These stages are not about the numbers. They are about what is happening inside of you as you face, fight, make peace with, and finally commit to paying off what you owe.You'll learn:✅ The 4 emotional stages of debt payoff and what each one actually feels like✅ Why being too comfortable with your debt can keep you stuck for months✅ What debt conviction is and how to know when you have reached it✅ Why paying off debt from a place of belief gets faster results than paying from fearLet's connect:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching

Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes and learn more at:⁠ OLDPodcast.com⁠. Episode 3621: Laurie Sepulveda explains why taking a carefully planned vacation can actually help you stay motivated during a long debt payoff journey. She shares practical ways to budget, save cash in advance, and enjoy affordable travel experiences without adding new debt, so you can make memories while still reaching your financial goals. Read along with the original article(s) here: https://womenwhomoney.com/vacation-while-paying-down-debt/ Quotes to ponder: "Remember, you're getting rid of debt, not adding to it." "Traveling is about seeing new places and changing up your routine. And feeding your need for novelty and adventure." "Remember, paying off a considerable amount of debt can take years. That doesn't mean you can't have any fun along the way." Episode references: Kayak: https://www.kayak.com/ Scott's Cheap Flights (Going): https://www.going.com/ National Park Service: https://www.nps.gov/ Airbnb: https://www.airbnb.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes and learn more at:⁠ OLDPodcast.com⁠. Episode 3621: Laurie Sepulveda explains why taking a carefully planned vacation can actually help you stay motivated during a long debt payoff journey. She shares practical ways to budget, save cash in advance, and enjoy affordable travel experiences without adding new debt, so you can make memories while still reaching your financial goals. Read along with the original article(s) here: https://womenwhomoney.com/vacation-while-paying-down-debt/ Quotes to ponder: "Remember, you're getting rid of debt, not adding to it." "Traveling is about seeing new places and changing up your routine. And feeding your need for novelty and adventure." "Remember, paying off a considerable amount of debt can take years. That doesn't mean you can't have any fun along the way." Episode references: Kayak: https://www.kayak.com/ Scott's Cheap Flights (Going): https://www.going.com/ National Park Service: https://www.nps.gov/ Airbnb: https://www.airbnb.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes and learn more at:⁠ OLDPodcast.com⁠. Episode 3621: Laurie Sepulveda explains why taking a carefully planned vacation can actually help you stay motivated during a long debt payoff journey. She shares practical ways to budget, save cash in advance, and enjoy affordable travel experiences without adding new debt, so you can make memories while still reaching your financial goals. Read along with the original article(s) here: https://womenwhomoney.com/vacation-while-paying-down-debt/ Quotes to ponder: "Remember, you're getting rid of debt, not adding to it." "Traveling is about seeing new places and changing up your routine. And feeding your need for novelty and adventure." "Remember, paying off a considerable amount of debt can take years. That doesn't mean you can't have any fun along the way." Episode references: Kayak: https://www.kayak.com/ Scott's Cheap Flights (Going): https://www.going.com/ National Park Service: https://www.nps.gov/ Airbnb: https://www.airbnb.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Why will paying off debt not make you wealthy? What is the tax trap inside your debt payoff plan? What is the difference between being debt-free and financially free? Most business owners who end up in financial crisis did not get there because they failed to earn enough. They got there because nobody ever showed them how to keep what they earned. Revenue is not wealth, and that gap is where the real damage happens. This week's guest on the podcast is Rachid Barry, and for 11 years he has helped entrepreneurs and high-income professionals build financial systems that reduce cash leakage, resolve IRS debt, and create real alternatives before bankruptcy ever becomes the only option. Rachid works with business owners across the U.S. who are profitable on paper but structurally exposed, and that is a story your audience knows well.  You can reach Rachid at RBarry@rjmconsultant.us. Let us know if you enjoy this episode and, if so, please share it with your friends! Or, you can support the show by visiting our Patreon page: https://www.patreon.com/crushingDebt   To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach   To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

Curious? Take The Free Money Stress Quiz!Ready? Buy Our Simplified Budget System Now!It's time for another Q&A session, and we're answering real questions from our budget besties!In this episode, Shana and Vanessa talk through two big money-life situations: how to set up automatic transfers when you get paid on the 15th and the last day of the month, and how to know when it may be time to let go of a job while paying off debt, going to school, and trying to protect your mental health.Because here's the thing: budgeting is not just about numbers. It's about creating a life that actually works for you.Let's Take Our Relationship To The Next Level:1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coachingThis podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.Click here to view our privacy policy.

There was a time in my life where I didn't just go into debt once…I went into debt multiple times. And not small amounts. I'm talking tens of thousands of dollars…more than once. If I'm being honest, that used to be one of the most frustrating parts of my journey. Because it wasn't like I didn't know better. I had already learned the lessons. I had already gotten out of debt once. And yet somehow…I found myself right back in it again. In this episode, I'm not just talking about how to pay off debt…I'm talking about how to stay focused long enough to actually finish the journey.  Getting out of debt isn't about knowing what to do…it's about becoming someone who can stay consistent long enough to do it. And that's where routines come in.   In this episode, we discuss: Why paying off debt requires more than just knowledge or motivation The real reason people fall back into debt after getting out How inconsistency slows down your debt payoff progress Why daily awareness of your spending is a game changer How your budget gives context to your spending decisions The importance of weekly debt check-ins and staying engaged Why pre-deciding your spending helps you avoid emotional decisions How to create a strong "why" that keeps you motivated long-term Why tracking progress beyond balances helps you stay consistent   This episode is especially helpful if you: Feel like you've been in and out of debt more than once Struggle to stay consistent with your debt payoff plan Know what to do financially, but have trouble following through Feel overwhelmed or discouraged by your current debt balances Want to build better money habits while paying off debt Are ready to stay focused and actually finish your debt payoff journey   Why this matters: Getting into debt can happen quickly. Getting out of it takes time. If your habits, routines, and patterns don't support that long-term process, it becomes easy to fall into a cycle of starting and stopping. That cycle is what keeps people stuck. But when you build routines that keep you connected to your money (daily, weekly, and consistently), you stay engaged in the process. You make better decisions. You build momentum. And over time, that momentum turns into real progress. Because paying off debt isn't just about the numbers…it's about the behavior behind those numbers.   Timestamps: [00:09] Raya opens with her experiences with getting into and out of debt multiple times. [03:40] A pattern Raya had while in debt was disconnection. She wasn't aware of what she was spending. It was all about the moment. [08:00] Realizing that her spending wasn't random, Raya was able to see how her spending was tied to her identity (in a negative way). [13:45] Tracking your progress beyond balances is a great way to keep you focused on the journey.   Resources Mentioned: Episode #15: My Debt-Free Story and the Biggest Takeaways Get a Custom Budget Plan created by Raya Request a free money call with Raya City Girl Savings Personal Finance Portfolio Financial Focus Coaching Program   Getting out of debt isn't about being perfect, it's about being consistent. It's about building routines that support you even on the days you don't feel motivated. Because motivation will come and go. But your routines are what keep you moving forward. If you're on a debt payoff journey right now, you're not behind…you're in the process. Stay consistent. Stay connected. Stay committed to your plan. Give it time, because it will pay off. If you're ready for more structure, more clarity, and more support with your money, that's exactly what we build inside coaching. You can request a free money call using the link in the Resources section.

Do you know the difference between good and bad debt? Laura explains why it's a critical concept for saving money, building wealth, and creating more financial security. Plus, she covers a simple 7-step plan for paying off debt fast.Encore Episode: This episode originally aired on Wednesday, March 6, 2024.Money Girl is hosted by Laura Adams and is part of the Quick and Dirty Tips Network. Hosted on Acast. See acast.com/privacy for more information.

Should you pause your debt payoff plan when a baby is on the way? How do you trust God when money is tight? What are Trump Accounts, and what do parents need to know? Plus, Art makes his Stanley Cup prediction. This episode is packed with practical financial guidance, biblical wisdom, and answers to listener questions. Don't miss it!Resources:8 Money MilestonesAsk a Money Question!

Curious? Take The Free Money Stress Quiz!Ready? Buy Our Simplified Budget System Now!In today's episode, we're answering YOUR money questions in real time. No prep. No scripts. Just honest conversations about budgeting, debt, savings buckets, and figuring out what actually matters most in your season of life.We're talking through:Should you put extra money toward debt or savings?What savings buckets matter most right now?How do you know if you have a spending problem or an income problem?What if your budget feels tight no matter what you do?How to make realistic budget decisions for YOUR familyPlus, we share stories from real clients navigating debt payoff, bonuses, big families, and making intentional choices with their money.Let's Take Our Relationship To The Next Level:1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coachingThis podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.Click here to view our privacy policy.

In this episode of More Than Money, Art answers questions about retirement savings, tithing while in debt, and how much house you can actually afford. From Roth vs. traditional accounts to navigating generosity in tight seasons, if you're trying to honor God and stay financially steady, this conversation is for you.Resources:8 Money MilestonesAsk a Money Question!

Tired of trying to pay off debt and feeling like you're going nowhere? In this video, I'm breaking down the 5 worst ways people try to pay off debt — and why they keep you stuck. Then I'm giving you the one method that actually works: the Debt Snowball. This isn't about math. It's about behavior, momentum, and freedom.ABOUT ANTHONY ONEAL:Anthony O'Neal is a nationally bestselling author, speaker, and host of The Table with Anthony O'Neal. He holds a Bachelor of Science in Finance & Banking and is a professor of Consumer Economics at Virginia Union University. Since 2014, he's helped millions of people get out of debt, build wealth, and break generational poverty. His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy.

Some of the most popular solutions for paying off credit card debt actually lead to a debt cycle that's tough to get out of. And too many lawyers are falling for it. In this episode, let's talk about why these common debt strategies don't work and what to do instead. Head to rhothomas.com/307 for the full episode show notes. Need help with your finances? Apply for a strategy session at rhothomas.com/apply.

This is Part 2 of a 5-part series on breaking up with credit cards and paying off debt. Here's the truth: if you throw all your extra money at debt without saving for things you KNOW are coming, you'll end up using the credit cards again. Camp registration. Car insurance. Christmas. These aren't emergencies - they're predictable expenses you're not planning for. In this episode, I'm breaking down why you need to build a sinking fund BEFORE aggressively paying off debt, and how to actually plan for the things you know are coming instead of acting surprised every time.You'll learn:Why the debt payoff roller coaster keeps you stuck (it's not bad luck, it's lack of planning)The difference between emergencies and predictable expenses you're not planning forHow to build a sinking fund for things you KNOW are comingHow to look ahead 2-3 months and actually plan your spendingWhy this gets you debt-free faster than throwing everything at debt and using cards againThis is Part 2 of 5. Start with Part 1 if you haven't listened yet.Get 9 Ways to Break Up With Your Credit Cardswww.katyalmstrom.com/9-waysBook a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechatThe best way to connect with Katy online is in the Debt Payoff for Women Community! www.facebook.com/groups/debtpayoffforwomen

Curious? Watch Our Money Makeover Bootcamp!Ready? Buy Our Simplified Budget System Now!Shelby came in with a question a lot of us can relate to: when we're laser-focused on paying off debt, how do we know we're not pushing too hard and setting ourselves up to fall right back into it?After navigating grad school, living on credit cards for a season, and making some big money changes, Shelby and her husband are now throwing nearly $6,000 a month at debt. They've built a plan that gives them structure, breathing room, and a real end date. Their goal? To be debt free except for one main car by November 2026.In this episode, we talk through how to balance aggressive debt payoff with realistic savings, how to plan for real life without calling it a “setback,” and why your budget has to support the life you're living right now, not just the finish line you're chasing.We also get into the difference between avalanche and snowball debt strategies, why automation is such a game changer, and how Shelby and her husband are staying motivated with Post-it notes all over the house to remind themselves what they're working toward.This conversation is such a good reminder that paying off debt does not have to mean white-knuckling your way through life. You can make progress, enjoy your life, and build habits that actually last.Let's Take Our Relationship To The Next Level:1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coachingThis podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.Click here to view our privacy policy.

You have multiple debts and you have NO idea where to start. Every time you think about it, you feel overwhelmed and end up doing nothing. Sound familiar? In this episode, I'm cutting through all the noise and giving you the only three things you need to start paying off debt this week. No perfect plan required. No endless research. Just three simple steps that break the paralysis and create momentum.You'll learn:Why having too many debt payoff options actually keeps you stuckThe only three things you need to do THIS WEEK to start paying off debtWhy the "wrong" strategy you actually do beats the perfect strategy you never startGet 9 Ways to Break Up With Your Credit Cards www.katyalmstrom.com/9-ways Book a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechat The best way to connect with Katy online is in the Debt Payoff for Women Community! www.facebook.com/groups/debtpayoffforwomen

In this episode of the Real Estate Pros podcast, host Michelle Kesil interviews Cody Elliott, a storage unit investor who shares his journey into the real estate market. Cody discusses his background in equipment sales, the keys to successfully operating storage units, the challenges he has faced, and valuable advice for aspiring investors. He also outlines his future goals for expansion, including the potential for RV storage, and emphasizes the importance of personal finance management in real estate investing.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

This week's episode breaks down why paying off debt isn't always the smartest financial move—especially if the money comes from savings, investments, or retirement accounts. While wiping out debt feels good, the wrong payoff strategy can actually shrink your long‑term wealth and increase financial risk. We highlight common situations where debt payoff backfires and share smarter ways to decide when paying debt off truly makes sense.   Show Topics Why paying off debt can sometimes reduce long‑term wealth How using retirement funds or savings to pay debt can backfire The hidden opportunity costs of aggressive debt payoff When paying off debt does make financial sense A simple framework for smarter debt decisions

Everyone says farming and ranching are hard—but what if the real problem isn't expenses… it's how money is being used? In this episode, Mary Jo tackles the backlash around "excess money," breaks down why being debt-free isn't the same as being financially secure, and explains why cash flow—not comfort—is the real solution.

Are you tempted to raid your 401k to wipe out debt before retirement? Discover why that move could cost you more than you think. Ryan Herbert dives into the real financial and tax consequences of paying off mortgages and other debts with retirement savings. Learn how lifestyle choices, tax brackets, and even Medicare premiums are affected and why a true income plan matters for lasting financial security. Want to begin building your retirement and tax plan? Click Here to Schedule a 15-minute Discovery Call Follow us for more helpful insights:

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 3397: Kumiko of The Budget Mom shares practical and empowering advice for handling debt in collections, emphasizing research, knowing your legal rights, and negotiating smart settlements. Her tips help demystify the debt payoff process while offering strategies that could protect your credit and bring peace of mind. Read along with the original article(s) here: https://www.thebudgetmom.com/3-tips-for-paying-off-debts-in-collections/ Quotes to ponder: "Not paying a collection account because you can't afford it right now doesn't mean you plan to ignore the debt forever." "A lump-sum settlement could cost less. Collection agencies buy debts for pennies on the dollar." "Taking care of old debts can give you peace of mind." Episode references: Annual Credit Report: https://www.annualcreditreport.com Consumer Financial Protection Bureau (CFPB) - Debt Collection Scams: https://www.consumerfinance.gov/consumer-tools/debt-collection Fair Debt Collection Practices Act (FDCPA) – FTC: https://www.ftc.gov/legal-library/browse/statutes/fair-debt-collection-practices-act Fair Credit Reporting Act (FCRA) – FTC: https://www.ftc.gov/legal-library/browse/statutes/fair-credit-reporting-act Credit Karma: https://www.creditkarma.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 3397: Kumiko of The Budget Mom shares practical and empowering advice for handling debt in collections, emphasizing research, knowing your legal rights, and negotiating smart settlements. Her tips help demystify the debt payoff process while offering strategies that could protect your credit and bring peace of mind. Read along with the original article(s) here: https://www.thebudgetmom.com/3-tips-for-paying-off-debts-in-collections/ Quotes to ponder: "Not paying a collection account because you can't afford it right now doesn't mean you plan to ignore the debt forever." "A lump-sum settlement could cost less. Collection agencies buy debts for pennies on the dollar." "Taking care of old debts can give you peace of mind." Episode references: Annual Credit Report: https://www.annualcreditreport.com Consumer Financial Protection Bureau (CFPB) - Debt Collection Scams: https://www.consumerfinance.gov/consumer-tools/debt-collection Fair Debt Collection Practices Act (FDCPA) – FTC: https://www.ftc.gov/legal-library/browse/statutes/fair-debt-collection-practices-act Fair Credit Reporting Act (FCRA) – FTC: https://www.ftc.gov/legal-library/browse/statutes/fair-credit-reporting-act Credit Karma: https://www.creditkarma.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 3397: Kumiko of The Budget Mom shares practical and empowering advice for handling debt in collections, emphasizing research, knowing your legal rights, and negotiating smart settlements. Her tips help demystify the debt payoff process while offering strategies that could protect your credit and bring peace of mind. Read along with the original article(s) here: https://www.thebudgetmom.com/3-tips-for-paying-off-debts-in-collections/ Quotes to ponder: "Not paying a collection account because you can't afford it right now doesn't mean you plan to ignore the debt forever." "A lump-sum settlement could cost less. Collection agencies buy debts for pennies on the dollar." "Taking care of old debts can give you peace of mind." Episode references: Annual Credit Report: https://www.annualcreditreport.com Consumer Financial Protection Bureau (CFPB) - Debt Collection Scams: https://www.consumerfinance.gov/consumer-tools/debt-collection Fair Debt Collection Practices Act (FDCPA) – FTC: https://www.ftc.gov/legal-library/browse/statutes/fair-debt-collection-practices-act Fair Credit Reporting Act (FCRA) – FTC: https://www.ftc.gov/legal-library/browse/statutes/fair-credit-reporting-act Credit Karma: https://www.creditkarma.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Check out our Bootcamp!Snag Our Simplified Budget System! You're ready to invest, but wait—you're still in debt… and you don't even have a budget yet. So what now?In this episode, Shana and Vanessa are breaking it all the way down:

In this episode, Mary Jo dives into one of the biggest mistakes she sees farmers and ranchers making—rushing to pay off debt at the expense of cash flow. She explains why keeping money liquid provides flexibility, freedom from the bank's control, and better long-term planning. Through real client stories, she shows how choosing liquidity over debt payoff can mean the difference between staying in business and being forced back to the bank. From operating notes to side-by-sides to land loans, Mary Jo breaks down how to think differently about utilizing money and why Infinite Banking is really about control, not just debt freedom. Audio Production by Podsworth Media - https://podsworth.com 

Paying off over six figures of debt completely changed my family's future, but it was not a perfect journey. Looking back, there are three big mistakes I made along the way. And honestly, I wish someone had told me sooner so I did not have to learn the hard way.In this episode of the Inspired Budget Podcast, I'm sharing:Why making your budget too strict will only set you up for failureThe mistake of focusing only on cutting costs instead of finding ways to earn moreMy biggest money regret of all: waiting too long to start investingIf you are in the middle of your own debt-free journey, learn from my missteps so you do not have to repeat them. These small changes can save you from frustration, burnout, and years of lost progress.Here is the truth: getting out of debt is not about being perfect. It is about being consistent and giving yourself a plan that actually works for your real life.You Might Like: Get the FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. Get the Budget My Paycheck Spreadsheet. Follow Allison on Instagram! @inspiredbudget Check out Inspired Budget's blog. Take my FREE class on How to Budget to Build Wealth!

If you're first gen, building wealth isn't just about you. It's about your family. Your parents who might not have retirement accounts and your kids you want to set up for success.In this episode, I break down my 2-part money roadmap for first gen wealth builders: how to protect yourself first (without shame), and how to grow wealth that supports your family's future too.You'll learn:✅ The exact 3 steps to take care of yourself first (and why that's not selfish)✅ Why saving comes before debt payoff and how it breaks the credit card cycle✅ When to start investing (even if you're still in debt)✅ How to use a brokerage account and kid accounts to care for your family's futureBook a call to join 1:1 Money Coaching: https://www.buildinggenwealth.com/work-with-me

Let's make paying off debt a little more fun and a little less of a slog. We deep dive into the psychology of debt repayment and offer some of the more enjoyable ways to stay motivated and on top of your debt payoff journey. We're moving beyond standard budgets and interest rates to discuss the power of “hacking” your brain, leveraging the principles of behavioral science to stay motivated, celebrate your wins, and finally break free from the burden of debt. Get the full show notes, show references, and more information here: https://www.insideoutmoney.org/125-the-psychology-of-debt-how-to-stay-motivated-while-paying-off-debt/

Snag Our Simplified Budget System!Budget besties — let's talk about a sneaky cycle that keeps so many of us stressed: making quick money decisions that feel productive (like paying off a card) but actually keep us stuck.In this episode, we unpack two real client stories:A teacher who used her savings for summer expenses to pay off a small debt… only to be broke in August (and back in debt)A client who saw cash in her account and immediately threw it at a credit card… leaving herself short for a wedding and pulling from her 401kSound familiar? You're not alone. We get real about:Why quick fixes and “wins” often sabotage long-term stabilityHow to break the stress cycle of reactionary money decisionsWhy using credit cards is more about avoiding money management than “playing the points game”The freedom of becoming your own bank (hint: no more hoping a payment goes through!)How a system — not emotions — is the key to lasting progressIf you've ever felt stuck in a loop of paying off debt only to rack it back up, this conversation will help you see why — and give you a better way forward.Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don't need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We'll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!"

Does paying off debt feel impossible? Well, it's not. You just need to remember that small wins add up and that you need a community of supportive women cheering you on. Come join our amazing community of women just like that are on the journey–even with–life's ups and downs. Try out Money Success Club for just $1! Sign up here ➡️ https://leads.budgetsmadeeasy.com/msc-membership-1-trial-offer

Let's be real. Paying off debt is tough. But trying to do it while raising little kids? That's a whole new level of hard.In this episode, I'm sharing what it was really like to pay off over six figures of debt while being a mom to two little ones. I talk about the guilt, the pressure, and the emotional weight I didn't expect. This isn't a step-by-step guide. It's a heart-to-heart about the five things I wish I had known before starting our debt-free journey as a mom.If you're a parent trying to get out of debt while carrying the weight of wanting the best for your kids, this episode will remind you that you're not alone. You are doing the best you can, and it matters.Want to learn the exact steps my husband and I took to pay off $111,000 of debt without giving up everything we love?Grab a seat in my free budget class here: https://inspiredbudget.com/freeclass You Might Like: Get the FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. Get the Budget My Paycheck Spreadsheet. Follow Allison on Instagram! @inspiredbudget Check out Inspired Budget's blog. Take my FREE class on How to Budget to Build Wealth!

Netflix announced a lot of upcoming reality shows that are on the way…plus, Hailey Bieber responded to the rumors about her paying off Justin's debt. Learn more about your ad choices. Visit megaphone.fm/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Netflix announced a lot of upcoming reality shows that are on the way…plus, Hailey Bieber responded to the rumors about her paying off Justin's debt. Learn more about your ad choices. Visit megaphone.fm/adchoices

Ever feel like you're trying to pay off debt while holding your breath, hoping your income doesn't suddenly vanish? Or maybe your family has income that comes in waves, and you're just trying to keep the budget afloat?You're not alone. In this episode, I'm answering two listener questions that so many people are navigating right now:Should I pause my debt payoff if I'm worried about losing my job?How do I budget when my income is totally unpredictable?We'll talk about:Why pausing your debt-free journey isn't failing, it's smartHow to build a financial safety net when layoffs are on the horizonWhat a “bare bones budget” is and why it mattersHow to create an “income bucket” to smooth out unpredictable paychecksAnd most importantly, why budgeting has to be flexibleWhether you're in a rocky job situation or dealing with variable income, this episode will help you feel more prepared and less overwhelmed. Small, steady steps matter, and I promise, you're not behind.

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

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

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