Podcasts about paying off debt

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:

Send us a text“There's nothing wrong with saying ‘my budget's tight this year” - we unpack this week's controversial opinion, then dive into your dilemmas:

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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

Most people believe their debt is the reason they can't save, travel, or feel free with their money. But here's the truth: your debt isn't the villain, the story you're telling yourself about your debt is what's holding you back.In this episode of Money Files, I unpack one of the biggest mindset shifts that changed my own financial life and has transformed the lives of my clients: learning how to stop villainizing debt and start rewriting your money story.I'll share my journey of paying $500 a month toward student loans in my 20s, and how shifting my perspective helped me stop waiting for freedom and start creating it even while carrying debt. You'll also hear client examples that reveal how often we think debt is the problem, when the truth is, the lifestyle we want simply requires more clarity, intention, or income.If you've ever said, “I'd be further ahead if I didn't have this debt,” this episode is for you. You don't have to wait for a zero balance to feel at peace. You can create freedom now.Listen to learn:[01:05] Why the real problem isn't your debt, it's the story you're telling yourself[06:18] How a mindset shift turned $500 student loan payments into opportunity[10:30] The exercise I walk clients through to uncover what's really holding them back[16:42] Why more income, not less debt, might be the key to funding the life you want[22:55] How to live, save, and pay off debt at the same time[28:20] The real byproduct of shifting your money story: peace, confidence, and freedom nowTune into this episode of Money Files to discover how to stop villainizing your debt and start living the life you want even before it's all paid off.Get full show notes and the episode transcript: https://wealthovernow.com/the-surprising-mindset-shift-that-makes-paying-off-debt-easier/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan

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/

Listen for great get-out-of-debt advice from some of our most popular guests! Featuring Canadian financial experts from Hoyes Michalos and Chris Enns, founder of Rags to Reasonable, and Danielle Park, author of Juggling Dynamite. From spotting predatory financial advisors to the importance of building an emergency fund, this episode is packed with practical, real-world tips and strategies you can start using today to get out of debt! 00:00 – The Snowball vs. Avalanche Method with Licensed Insolvency Trustee Joel Sandwith 01:20 – How to Avoid Predatory Financial Advice with Danielle Park 04:40 – How to Realistically Start Managing Your Money with Chris Enns 07:45 – Predatory Credit Advisors – What You Need to Know cont. 11:30 – Why Canadians Aren't Prepared for Financial Emergencies with Scott Terrio 13:00 – Snowball and Avalanche Method – Advanced Tips 16:30 – Why Your Perspective on Loans Matters 19:50 – Getting Out of Debt and Building Savings Has To Be Practical with Danielle Park 22:35 – Key Indicators of Debt Trouble – When to Seek Help 25:00 – A “Holistic” Approach to Paying Off Debt? Danielle Park on Debt Free in 30:  Building Wealth In A Challenging World Chris Enns on Debt Free in 30: Managing Money on a Variable Income Juggling Dynamite | Debtasized: How our reliance on credit leads to price inflation Learn More: Snowball Vs. Avalanche Debt Methods – Which One is Best? Hoyes Michalos Free Canadian Credit Rebuilding and Repair Course Sign Up for the Monthly Debt Free Digest 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 personal guidance from 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, strategies, or digital tools/apps discussed.

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!

Register for my FREE debt class for entrepreneurs: https://ginaknox.co/masterclass-ad Join Small Business Money School: https://ginaknox.co/school Join the waitlist for the 7 Figure Wealth Mastermind: https://ginaknox.co/mastermind Episode Synopsis: In this episode, Gina Knox interviews Cathy Yerges, a cafe and specialty food store owner from Cambridge, Wisconsin. Cathy shares her journey of starting her business just before the COVID-19 pandemic and the challenges she faced, including navigating debt and the need to pivot her business model. She discusses the importance of community support, the lessons learned from joining Small Business Money School, and how she has shifted her focus to new revenue streams, including opening a bookstore. Cathy emphasizes the value of vulnerability and community in overcoming business challenges and shares her excitement about future growth and stability. Timestamps: 00:00 - Introduction to Cathy Yerges and Her Business Journey05:16 - Navigating COVID Debt and Financial Challenges22:23 - Embracing Change and Letting Go23:37 - Paying Off Debt and Financial Freedom26:30 - Inventory Management and Cash Flow Strategies32:11 - Navigating Emotional Challenges in Business33:51 - The Importance of Community and Support36:10 - Realities Behind Business Success39:31 - Taking Control of Your Business Journey About Cathy Yerges: Cathy Yerges is a leader with a servant's heart, believing collaboration beats competition every time. She embraces the philosophy that ""it takes a village"" to create meaningful change and transform neighbors into friends. With a background in banking and finance, Cathy is passionate about revitalizing Main Street and rural living through community building. Cathy owns Cambridge Market, a cafe and specialty food store, and recently opened Mustard Seed Books, creating gathering places where people break bread, share conversation, and support local makers. Her work focuses on promoting collective well-being and strengthening community bonds through simple acts of coming together and celebrating local talent. She also serves as Executive Director and co-founder of Collaborative 523, Inc., driving community development initiatives throughout Cambridge, Wisconsin. Where to find Cathy: Website: https://www.cambridgemarket.net Facebook: https://www.facebook.com/cambridgemarket Instagram: https://www.instagram.com/cambridge_market/ Category: Entrepreneurship Keywords: small business, COVID-19, COVID debt, financial challenges, community support, entrepreneurship, business coaching, debt management, revenue streams, local business, business growth, merchant financing, square loan, small business loan, inventory management

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

Gainesville Regional Utilities was separated from City of Gainesville control by the State of Florida, and GRU has embarked upon paying down substantial debt accrued by the City's mismanagement. How the utility is now being managed, where profits are being directed, attempts from the City to regain operational control from the State, and what GRU faces going forward, in a in-depth discussion with CEO Ed Bielarski.

Law firm owners often find themselves stuck between two pressures: the growing workload that requires more hands, and the burden of existing debt that seems to consume every available dollar. This creates a paralyzing cycle where growth feels out of reach, even though the work is there and waiting to be done.   If you're ready to stop letting debt dictate your business decisions and want to learn how to leverage strategic hires for growth, this episode is for you. Melissa walks you through how to turn debt from a controlling factor into just another element of your strategic planning, helping you make empowered, calculated decisions for your firm's success.   Get full show notes, transcript, and more information here: https://www.velocitywork.com/316

Register for my FREE wealth class for entrepreneurs hosted every week: https://ginaknox.co/masterclass-ad Join Small Business Money School: https://ginaknox.co/school Join the waitlist for the 7 Figure Wealth Mastermind: https://ginaknox.co/mastermind In this episode, Gina Knox discusses the balance between personal desires and financial goals, emphasizing the importance of understanding the purpose behind spending. Through client examples, she illustrates how identifying core purposes can lead to creative solutions that align with both financial objectives and quality of life. The conversation highlights the emotional aspects of spending and the need for mindful financial decision-making. Timestamps: 00:00 - Balancing Desires and Financial Goals03:12 - Understanding the Purpose of Spending05:55 - Client Examples: Finding Core Purposes08:54 - Creative Solutions for Financial Goals12:12 - Emotional Needs and Financial Decisions Takeaways: It's a battle between boring financial goals and fun desires. Quality of life and financial goals are interconnected. Understanding the purpose of spending can guide decisions. Creative solutions can achieve financial goals without overspending. Emotional needs often drive spending decisions. You can meet present needs without sacrificing long-term goals. Identifying core purposes can lead to cost-effective solutions. Budgeting is about making decisions you're happy with. Spending should not keep you up at night. Financial decisions impact your future well-being. Category: Saving Keywords: spending, financial goals, budgeting, emotional needs, client examples, decision making, quality of life, debt management, wealth building, purpose of spending

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.

Paying off debt fast doesn't always equal financial freedom. In fact, it might be the reason you're stuck in the debt-shame-burnout cycle.In this episode, I break down the real cost of debt binging and why throwing every dollar at your balance might leave you worse off emotionally and financially. I share how to build a debt balance—not just pay off a balance. I talk about sustainability, budgeting systems, and why the real transformation isn't in the numbers, but in how you feel and act around money.If you've ever paid off a credit card only to find yourself swiping again weeks later, this episode is for you. If you've ever used a bonus or lump sum to get ahead, but still felt behind, this episode is especially for you.The real win isn't getting out of debt. It's staying out of debt for good.Listen to learn how to break free from debt shame and burnout…[00:10] Why you shouldn't rush to pay off debt[02:26] Getting stuck in the debt binge cycle[06:27] You debt isn't the problem; the problem is your system[11:07] Debt balance vs. debt burnout: debt is information, not shameTune into this episode of Money Files to hear how rushing to pay off debt might do more harm than good - and what you should do instead.Get full show notes and the episode transcript: https://wealthovernow.com/debt-binge-vs-debt-balance-what-no-one-tells-you-about-paying-off-debt/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan

Today we are talking about financial wellness with the founder and CEO of Clever Girl Finance, Bola Sokunbi! We kick the conversation off by asking Bola about her story. She shares her mom's uncommon journey of graduating from college and working multiple jobs in Nigeria, and how that instilled dedication and inspiration in her to do the same. Bola explains the top ways she was able to save 100k out of college, and how she grew her side-hustles during that time. Bola is adamant about there being no shame in having side-hustles to save or pay off your debt. She details the two approaches to paying off your debt, along with the three key ways to invest and percentages for budgeting. We also talk about emotions behind money, being honest with yourself about your spending, and why you may want to shift your circle of influence. To wrap up our money-talk, Bola shares her experience as a woman of color in the finance industry.Morning Microdose is a podcast curated by Krista Williams and Lindsey Simcik, the hosts and founders of Almost 30, a global community, brand, and top rated podcast.With curated clips from the Almost 30 podcast, Morning Mircodose will set the tone for your day, so you can feel inspired through thought provoking conversations…all in digestible episodes that are less than 10 minutes.Wake up with Krista and Lindsey, both literally and spiritually, Monday-Friday.If you enjoyed this conversation, listen to the full episode on Spotify here and on Apple here.

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

In this week's podcast episode we are talking all about REALISTIC ways to approach your debt payoff journey. There are a million and one ways to tackle your debt, but we are breaking down a few of our favorite things to keep in mind to make sure that you are being realistic with your goals. We want to make sure you are sustainably paying off your debt and this episode gives you exactly what you need to do that!    In this episode, we chat about: Realistic ways to approach your debt payoff journey  Why you need an emergency fund  Rolling through a difficult season of life    MENTIONED IN THIS EPISODE: Episode 174: How to Pay off Your Debt in a Strategic Way That Is Best for Your Financial Situation Carly Hill from Debt Free Mom  Rachel Duncan from Money Healing Club   ABOUT PRICE OF AVOCADO TOAST: Listen in with Haley and Justin Brown-Woods, married millennials picking up the pieces from the financial fiasco they created as a young couple.  They want to normalize conversations about money and learn from others on the path towards financial empowerment. Whether you are just getting started on your debt-free journey, or if you are really starting to hit your stride, this podcast is for YOU!  Join weekly as they interview some others who have done it the right way, the wrong way, and every way in between. Avocado toast may cost a pretty penny, but that doesn't mean it can't be in your budget! FIND HALEY AND JUSTIN ONLINE + SOCIAL MEDIA HERE: priceofavocadotoast.com Price of Avocado Toast Instagram Price of Avocado Toast Twitter Price of Avocado Toast Threads Price of Avocado Toast on TikTok Price of Avocado Toast Facebook Join the Price of Avocado Toast Newsletter OTHER LINKS: Apply for 1:1 Coaching With Haley & Justin Schedule a Budget Builder call with Haley & Justin Price of Avocado Toast customizable 12 month budgeting template   RECOGNITION: Audio engineer: Garrett Davis Podcast Support: Weir Digital Marketing  

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

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

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

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

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

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 

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

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

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

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

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