Journey To Launch

By Jamila Souffrant

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 Jul 19, 2018

Description

Jamila Souffrant is a Certified Financial Education Instructor (CFEI), blogger, podcast host and money coach. She is the founder of www.journeytolaunch.com. As a money expert who “walks her talk” she helps brave Journeyers; gain clarity around their finances and create an actionable plan to reach their goals. Her mission is to teach, inspire and help others reach Financial Freedom. The Journey To Launch podcast explores all aspects of reaching Financial Freedom; from increasing income, becoming tax efficient, paying off debt, investing, saving & learning how to retire early and wealthy.

Episode Date
113- Life After Becoming Debt Free With Money Launch Club Member, Josie Espinoza (Bonus Episode)
27:45

This week, we have another bonus episode for you. In episode 113, Josie, a Money Club Launch member shares her debt free story. She was the first in her family to go to college. But then she found herself in student loan, credit card, and auto loan debt. Listen to how she paid off $50k and now is on her way to financial freedom and independence.

Along her financial journey, Josie discovered her passion for financial freedom and independence. She became a blogger with the mission to inspire the latino community to improve their finances and live a minimalist life. Now that they are debt free, Josie and her husband are focused on financial planning, saving, and securing their family’s future.   

 

 

The day has finally arrived! The Money Launch Club (the membership community to help you reach Financial Freedom & Independence) doors are now open! Join us here MoneyLaunchClub.com before the doors close again in a few days!

 

More About Josie Espinoza

Current location (city) 

Porterville, CA

Profession

Teacher

Josie we are excited to share your story with the Journey to Launch community. Before we dive into your journey, can you tell Journeyers more about yourself? 

I was born in Mexico, and I am the youngest of 9. I was the first one to get a college degree, but 3 of my older siblings own successful businesses in Mexico. My parents brought me to California when I was 8 years old along with two of my siblings. They have been farm workers ever since, picking different types of fruit depending on the season here in the Central Valley, California.

 I never went to a babysitter because my parents would take me to work with them on the weekends, school holidays and summers. My first paycheck was from picking grapes one summer. Even though it wasn't easy working in the fields, I still didn't value money. My mom would always say "Money is made to be spent," and that's the mindset I grew up with. In college I had two jobs, bought a car, got my first credit cards, spent all my money, and didn't save a dime.

 In about 2014, I came across the snowball debt payoff method on Pinterest which then led me to find Dave Ramsey. I started tracking my debt and tried to pay it off but wasn't really focused.  Fast forward to July 2018, we got home from a summer trip and had no money because our credit cards were maxed out and my next paycheck wasn't coming for another three weeks. Those three weeks without money were my rock bottom.

 It was then that I really focused on my finances. We made our finances a priority, we made a budget and stuck with it. Every morning I take a few minutes to check our budget and remind my husband what our goal for the day. For example, sometimes we had a no spend day, no coffee, sell one item, or spend less than $10 goal. I started listening to finance podcasts instead of music and reading every finance book I could get my hands on.

 Then, I started following the Debt Free Community on Instagram and joined financial independence (FI) groups on Facebook. I also sold a lot of stuff that I wasn’t using which led me to become an aspiring minimalist. Currently, we are working on saving 3 months of our expenses in our emergency fund. We have paid off the majority of our debt and only have our mortgage left. We know our financial independence (FI) number and have a plan. 

We are still spenders but only spend our weekly allowance. I’m fortunate that my husband and I are on the same page when it comes to our finance  goals and we hold each other accountable. Thanks to the Journey to Launch Podcast and the Money Launch Club I felt financially stable enough to take a risk and resign from a job that was affecting my mental health. I wish I would have known everything about finance when I started working. 

I started a blog and an instagram page “Minimalisa Todo” which means minimize everything. My goal is to share my journey as I minimize my financial stress, my clutter at home and my weight. It is in Spanish because I want to inspire the Spanish speaking community.

Wow what a journey. Josie what advice would you share with other Journeyers still on the journey to reach their goals? 

First I would say, write everything down, track your progress, and celebrate the small wins. 

I am a very impatient person and seeing a visual of where I started and how far I’ve come gave me motivation to keep going. I also like to celebrate the small wins, things like not buying a coffee in the morning, eating lunch from home three days in a row. My celebrations were always within the budget and sometimes it was silly things like a happy dance or a high five from my husband.

Josie, what else motivates you? What's your "Why," or the reason you are pursuing Financial Freedom & Financial Independence? 

The freedom to spend time with my daughter and my husband is my why. My husband is a truck driver and is always on the road. I want us to spend more time together. One of our crazy goals is for my daughter and I to join him on the road and visit every state where he makes deliveries and gets paid.

That’s an awesome goal. Josie, what's something you want to improve or change to help you reach your goals? 

As a family we are working on eating at home. I am also transitioning to a new job and I started my masters to be able to increase my income.

What are some things you are doing to help move forward on your journey ? 

I am still selling things I don't use. I also do audits and secret shopping gigs to earn extra income. I have several apps on my phone that earn me money with little effort. We are tracking every penny that comes in and out of our accounts. 

So, Josie have you had any wins since joining the Money Launch Club? 

Since joining the Money Launch Club, I have paid off my debt (minus my mortgage). I also  made more informed changes to my retirement account after one of the classes. The FI course opened my eyes to the reality of our situation. I like that I was able to play with the number and see how  different habits today could impact my future.

What do you enjoy most about the Money Launch Club? 

I really enjoy the speakers in the Money Launch Club, especially when we are able to ask our questions. I like how it is not very formal and is a welcoming environment.

What’s something you were surprised to learn on your journey? Everything I know about finance I have found free on the internet. My hairdresser once told me, "In this technology era, not  knowing is no longer an excuse." I feel that there are so many free resources on the internet that anyone can change their finances with a little effort.

Other related blog posts/links mentioned in this episode:

Check out Josie’s Website  or follow her on Instagram @minimalisatodo. Both are in Spanish to inspire the Spanish speaking community. 

Join The Weekly Newsletter List

Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12  Watch my latest segments on News12

YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with me:

Instagram: @journeytolaunch

Twitter: @JourneyToLaunch

Facebook: Journey To Launch

Join the private Facebook Group

Become a member of the Journeyer Launch Club

Aug 16, 2019
112- The Five Journeyer Stages and How to Unlock Freedom Along the Way to Financial Independence
26:27

Journeyers you are going to love episode 112. In this solo episode, you’ll learn about the five stages on the journey to financial freedom and independence. Listen now to see what stage you are in and what practical steps you can take to achieve your financial goals. Find out how to set your goals and take action, so you can experience more freedom now!

In this episode you’ll learn:

  • The 5 stages to financial freedom and independence
  • How to calculate your Financial Independence number
  • What goals to set at each stage of your financial journey
  • The importance of mindset and habits

Sign up for the Journey to Launch free class today! On this virtual webinar, you will learn more about the five stages to financial freedom along with other tips to help you create more freedom in your life today.

Learn more about the Money Launch Club here and make sure you join when doors open up again!

Other related blog posts/links mentioned in this episode:

Join The Weekly Newsletter List

Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12  Watch my latest segments on News12

YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with me:

Instagram: @journeytolaunch

Twitter: @JourneyToLaunch

Facebook: Journey To Launch

Join the private Facebook Group

Become a member of the Journeyer Launch Club

Aug 14, 2019
111-How Cassandra Increased Her Income by $10k & Improved Her Money Mindset (Bonus Episode)
23:33

Journey to Launch presents another bonus episode. This episode features, Cassandra Henry, a Journeyer paying off debt and investing in herself. From Bronx, New York, Cassandra is a first generation Dominican American. At 25 years old she is her family’s breadwinner. As a result, she quickly learned the importance of taking control of her finances and her debt. In episode 111, Cassandra shares how she eliminated credit card debt and boosted her income with side hustles. She taught herself about personal finances by reading, listening to podcasts, and surrounding herself with like-minded people in the Money Launch Club.

Don’t forget to sign up for the Journey to Launch free class on August 15th! It’s a virtual meeting so you can join us from anywhere. 

Learn more about the Money Launch Club here and make sure you join when doors open up again!

More About Cassandra Henry

Current location (city)

Bronx, New York

What's your profession?

Teacher

Cassandra we are glad to have you share your story with Journeyers today. Before we dive into your journey, please tell us more about yourself.

My name is Cassandra Henry and I am a powerful, vulnerable and responsible leader. I am 25 years old and a first generation Dominican pursuing a life of abundance. I started my financial independence journey the summer of 2017, after being introduced to Dave Ramsey's 7 Baby Steps and the personal finance podcast, Bigger Pockets Money. I have since increased my income by an extra $10,000, learned the importance of budgeting, and now understand what it means to have an abundant mindset when it comes to money. I am currently on the road to paying off more than $25,000 in student loans. Although there have been many ups and downs, the journey has been worth it.

Cassandra what advice would you give other Journeyers who are also on the journey to reach their goals?

Invest in yourself! This journey of financial independence has helped me recognize my own worth and realize that I deserve to invest in the goals that I have for myself. Seeking opportunities to grow your network, attending webinars, or even meet-ups that focus on reaching financial independence has definitely helped me get closer to reaching my financial goals. If you want to reach financial independence, it's best to be on the journey in a community with others instead of on your own.

Cassandra what's your "Why?" What motivates you to pursue Financial Freedom & Financial Independence?

My “Why” is my family. When I was little, my father always reminded me about the importance of saving. Whether it be for clothes or traveling, he would always pull my mother, my sisters and me aside and we would count all of the money we saved together as a family. When he passed away three years ago, I felt unprepared and overwhelmed by the financial responsibilities that had to be addressed. At the time, I was the only breadwinner of the family and although my father taught me how to save, he never taught me how to budget. I realized in order to make sure my family and I don't end up homeless I have to be more aware of my money and where it's going. As the years passed, I developed a desire to reach financial independence to not only provide stability for my mother but also to begin a legacy of wealth within my family.

Cassandra what a powerful story. What's something you want to improve or do to help you reach your goals? 

I want to improve on creating better habits when it comes to maintaining a positive money mindset. When I don't reach a financial goal that I have for myself, I take it pretty hard. I have been trying to surround myself with positive people to help ameliorate the disempowering mindset I get whenever I come across a money issue.

Mindset is key to staying positive and building wealth. Cassandra can you share some things you are doing to help move forward on your journey?

First off, I have increased my income by $10,000 with side hustles. My journey has reignited my passion for entrepreneurship, and I am in the process of developing a plan for my own business. Also,  I increased my network of influencers. 

One important thing I continue to do is educate myself about  financial independence by reading books and listening to several personal finance and motivational podcasts.

As a result of what I am doing, my family and friends are also learning the importance of managing money.

It’s nice when you get family and friends involved in your journey. Have you had any “wins” since joining the Money Launch Club? How has the Money Launch Club helped you achieve those goals? *

Yes, I have. For example, I  increased my number of side hustles. After reading Financial Freedom with the Money Launch Club, I began to apply for more side jobs. I now have three side hustles: Online Teacher for VIP kid, after school program assistant, and a tutor. 

I also created an online bank account for my emergency fund. The Money Launch Club has exposed me to so many different avenues I can take to increase my money. I was able to learn about online bank accounts through conversations in the Money Launch Club.

Sounds like you’ve gotten a lot out of being in the Money Launch Club. What do you enjoy most about it? *

I have appreciated the opportunity to have Money Launch Club meetups, book clubs, and the speakers!

Other related blog posts/links mentioned in this episode:

Check out the film Minimalism: A Documentary About the Important Things on Netflix or at http://minimalismfilm.com

Join The Weekly Newsletter List

Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12  Watch my latest segments on News12

YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with me:

Instagram: @journeytolaunch

Twitter: @JourneyToLaunch

Facebook: Journey To Launch

Join the private Facebook Group

Become a member of the Journeyer Launch Club

Aug 09, 2019
110- A Deep Dive into Investing & Becoming Financially Successful After Bankruptcy With Courtney Richardson
56:32

Courtney Richardson, the founder of the Ivy Investor, is an attorney and investment advisor who helped her mom go from bankruptcy to paying off her home and retiring with enough money to live comfortably. Through her expert advice and classes she has helped women invest and save for retirement while mastering the tax game too. Named one of 7 Black Millennial Financial Experts to Follow on Instagram, Courtney is helping women build wealth and create secure financial futures. 

In episode 110 you will learn:

  • How your finances can impact your career 
  • Tips to get started in investing
  • Things you can do to pick your first stock
  • The bankruptcy process and how to get through it 
  • Where and how to invest for retirement 

Don’t forget to sign up for the Journey to Launch free class on August 15th! It’s a virtual meeting so you can join us from anywhere. 

Learn more about the Money Launch Club here and make sure you join when doors open up again!

Other related blog posts/links mentioned in this episode:

Join The Weekly Newsletter List

Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12  Watch my latest segments on News12

YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with Courtney:

Website

Instagram: @TheIvyInvestor

Twitter: @TheIvyInvestor

Facebook: TheIvyInvestor

Connect with me:

Instagram: @journeytolaunch

Twitter: @JourneyToLaunch

Facebook: Journey To Launch

Join the private Facebook Group

Become a member of the Journeyer Launch Club

Aug 07, 2019
109- From Living Paycheck to Paycheck to Paying Off Debt & Financially Thriving With Veronique (Bonus Episode)
31:01

Episode 109 is a bonus episode, the first of its kind. We are switching things up to give you more inspiring content in between regular Wednesday episodes. In this episode we feature Veronique Graves, a fellow Journeyer and member of the Money Launch Club. Veronique is a self employed sign language interpreter who is on her way to financial freedom. After becoming a member of the Money  Launch Club, she went from living paycheck to paycheck to paying off debt, saving, and investing. Listen to episode 109 to hear her story and learn ways you can get started on your journey too. 

More about Veronique: 

Current location (city) *

Rockville, MD

What's your profession? *

Sign Language Interpreter

Veronique we are so glad you are sharing your story with fellow Journeyers. But before we dive into your financial journey, please tell us more about yourself.*

I work in the Washington, D.C./Baltimore metro area as a freelance sign language interpreter. Part time I teach Zumba for my local recreation center. Moved here from Atlanta about 9 years ago for a mentorship that was supposed to last 3 months and ended up loving the area and staying. I love travel, yoga, boxing, cycling, baking (really anything food related), dancing and singing. I also volunteer with the Make-A-Foundation. At 40 I’ve started learning Brazilian Jiu Jitsu and to play the guitar. Happy to have found a group of people who love learning and growing.

It’s great that you have found ways to make money doing things you love, like Zumba. What advice would you give Journeyers who are also still on the journey to reach their goals? *

Be patient and stick with the process. Mindset is more important than you realize and setting specific goals helps a great deal. Reading books on money and listening to podcasts will help you stay motivated. Finding friends and family with good money mindsets and goals is awesome too!

What drives you to want Financial Freedom & Financial Independence? In the FIRE community, we normally refer to this as your “why.”*

I want to be in a position where I am financially independent so that it allows me to have the life flexibility I  want whether it’s regarding my job or travel. Since I have an entrepreneurial spirit the freedom part is important especially since my income tends to fluctuate. I’d like to be able to help other people when they need it the way my relatives and friends have helped me. For example, when my siblings and I got our first cars, my grandma paid in cash and had us pay her back monthly so we wouldn’t have to incur interest from banks. Or when I had fibroid surgery my relatives were able to either give or loan me money to assist with medical bills.

Veronique, what are some things you can do to help you reach your goals? *

I’d like to learn more skills to get a new job and earn more money. I’d like to create better time management and organization habits.

Veronique you have made a lot of progress with your finances. What changes did you have to make in your life to move forward on your journey? *

In order to move forward in my journey I asked for a higher rate as a contractor. I was teaching dance aerobics as a side hustle. Meal planning and bringing lunch to work as well as cooking more at home has helped me save too. Saving 20% has become a priority which allows me to continue to build my emergency fund.

Now that you are a Money Launch Club member, can you share any wins you've had since joining?

The Money Launch Club classes have taught me a lot of useful skills. I asked for a raise and received one. Also living paycheck to paycheck is a thing of the past. Being more conscious of saving and my cash flow have really helped. I opened up a health savings account and select investments for the account.

That’s an awesome testimony. Tell us, what do you enjoy most about the Money Launch Club? *

I enjoy the accountability through sharing our wins and lessons. There is a great sense of community where we are working toward many of the same goals. The classes are great as well!

Doors for the Launch Club re-open in August, click here to get on the list and get access to join before anyone else

Other related blog posts/links mentioned in this episode:

Check out the book that helped Veronique on her journey, Get Money by Kristin Wong. 

Join the free class on August 15th by going to journeytolaunch.com/freeclas

Learn more about the Money Launch Club here and make sure you join when doors open up again!

Join The Weekly Newsletter List

Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12  Watch my latest segments on News12

YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with me:

Instagram: @journeytolaunch

Twitter: @JourneyToLaunch

Facebook: Journey To Launch

Join the private Facebook Group

Become a member of the Journeyer Launch Club

Aug 02, 2019
108- Making Money Fun with Hey Berna
55:42

Bernadette Anat, also known as Hey Berna, is your Financial Hype Woman. Berna makes money fun through videos and money memes. She is your go to example of how to get out of debt and live your best life. In episode 108, Berna shares how she paid off $50,000 in debt, ditched her corporate job at Instagram, and traveled the world for one year. Now she’s back and living life on her terms as an entrepreneur. 

In this episode you will learn:

  • How to have the “get debt free” conversation with your family and friends
  • A fun way to track your expenses—ditch the boring spreadsheets
  • The importance of making money rules for each paycheck
  • The impact an accountability partner can have on your financial freedom journey and why you need one

Doors for the Launch Club re-open in August, click here to get on the list and get access to join before anyone else.

Other related blog posts/links mentioned in this episode:

Mint 

Clarity Money

Join The Weekly Newsletter List

Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12  Watch my latest segments on News12

YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with Hey Berna:

Website

Facebook:@HeyBerna

Instagram:@HeyBerna

Twitter:@HeyBerna

Connect with me:

Instagram: @journeytolaunch

Twitter: @JourneyToLaunch

Facebook: Journey To Launch

Join the private Facebook Group

Become a member of the Journeyer Launch Club

Jul 31, 2019
107- Your 30 Day Money Cleanse To Take Control of Your Finances & De-Stress Your Money With Ashley Gerstley
47:17

Money Coach and Founder of The Fiscal Femme, Ashley Feinstein Gerstley, joins us in episode 107 to discuss the importance of your money mindset and her book, The 30-Day Money Cleanse. Ashley helps women build wealth by teaching you about her money mistakes and how to set yourself up for financial success. She coined her own way of budgeting called the “Happiness Allocation” and explains how your deep beliefs about money can impact your ability to make money it and keep it. 

In this episode you will learn:

  • How to take control of your finances with a 30-day cleanse
  • Why a growth mindset is important to achieving and maintaining wealth
  • How a gratitude attitude helps boost your finances
  • Tips to change your beliefs and relationship towards money
  • Practical steps to shake up your routine and drop frivolous expenses 
  • What you can do to maximize your joy per dollar spent
  • All about money parties and how to make finances fun

Don’t know what a money party is? Listen to episode 107 now!

Enter for a chance to win a copy of the book by going to JourneytoLaunch.com/win and entering your name & email only! Even if you don't win, you will still win by getting access to my free resource library.

Doors for the Launch Club re-open in August, click here to get on the list and get access to join before anyone else.

Other related blog posts/links mentioned in this episode:

Remember to enter the contest to win a copy of Ashley’s book or you can grab your own copy now!

To get the fun guides that will help you makeover your finances in 48 hours visit Ashley’s website. You can also get started with her 7-day jumpstart!

Don’t forget to check out the Sa-Vings music video with a cameo from yours truly.

Join The Weekly Newsletter List

Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12  Watch my latest segments on News12

YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with Ashley Gerstley:

Website

Facebook:@TheFiscalFemme

Instagram:@TheFiscalFemme

Twitter:@TheFiscalFemme

Connect with me:

Instagram: @journeytolaunch

Twitter: @JourneyToLaunch

Facebook: Journey To Launch

Join the private Facebook Group

Become a member of the Journeyer Launch Club

Jul 24, 2019
106- Creating Financial Freedom & Wealth On Your Own Terms With Bola From Clever Girl Finance
46:56

Bola Sokunbi founder of Clever Girl Finance is back on the Journey to Launch Podcast! This time she is talking about entrepreneurship, ditching debt, and how to accomplish financial independence on your own terms. Bola is a certified financial educator and money expert, helping women take charge of their finances. Check out her new book, Clever Girl Finance Ditch Debt, Save Money, and Build Real Wealth, a manual about how to achieve financial freedom. In this episode we discuss: 

  • How to adjust your mindset so you can succeed.
  • How to define financial independence for yourself.
  • How to prioritize and plan your financial goals.
  • Entrepreneurship vs. a Job: How you can achieve financial independence through both.

Enter for a chance to win a copy of the book by going to JourneytoLaunch.com/win and entering your name & email only! Even if you don't win, you will still win by getting access to my free resource library.

Doors for the Launch Club re-open in August, click here to get on the list and get access to join before anyone else. 

Other related blog posts/links mentioned in this episode:

Bola’s book is out and you can get your own copy here.

Bola Sokunbi on Episode 22

Join The Weekly Newsletter List

Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12  Watch my latest segments on News12

YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with Bola Sokunbi:

Website

Facebook:@CleverGirlFinance 

Instagram:@CleverGirlFinance

Twitter:@CleverGirlcgf

Connect with me:

Instagram: @journeytolaunch

Twitter: @JourneyToLaunch

Facebook: Journey To Launch

Join the private Facebook Group

Become a member of the Journeyer Launch Club

Jul 17, 2019
105 How To Quit Like a Millionaire So You Can Stop Working & Start Living With Kristy & Bryce
01:04:25

Kristy Shen and Bryce Leung left their lucrative software engineering careers to enjoy world travel and freedom. Both retired in their early 30’s with a 7-figure portfolio and have complied their secrets to success in their new book Quit Like a Millionaire: No Gimmicks, Luck, or Trust Fund Required. Kristy and Bryce are financially independent, self-made millionaires who hail from humble beginnings and learned along their journey how to follow the money so they could afford to pursue their passions.

 In this episode we discuss: 

  • How Kristy went from surviving off 44 cents a day to a 7-figure portfolio.
  • How you can use CRAP (Creativity, Resilience, Adaptability, and Perseverance) to achieve success.
  • How to cut expenses from your budget so you can maximize your income and minimize waste.
  • How to choose your degree and career based on the math.
  • Why your home is not an investment and how avoiding home-ownership helps you achieve financial independence sooner. 
  • Why taxes are for the poor and how to win the tax game.

Kristy and Bryce’s book is out and you can get your own copy here. On their website Kristy and Bryce also offer a free investing workshop. Check it out to start investing now!

Enter for a chance to win a copy of the book by going to JourneytoLaunch.com/win and entering your name & email only! Even if you don't win, you will still win by getting access to my free resource library.

Doors for the Launch Club re-open in August, click here to get on the list and get access to join before anyone else. 

Other related blog posts/links mentioned in this episode:

Join The Weekly Newsletter List

Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12  Watch my latest segments on News12

YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with Kristy & Bryce:

Website

Facebook:@MillennialRevolutionBlog 

Twitter:@FIRECracker_Rev

Connect with me:

Instagram: @journeytolaunch

Twitter: @JourneyToLaunch

Facebook: Journey To Launch

Join the private Facebook Group

Become a member of the Journeyer Launch Club

Jul 10, 2019
104 Create the Joyful, Purposeful and Rich Life You Deserve with Jean Chatzky
42:46

On this episode, we speak to Jean Chatzky, the financial editor of NBC’s TODAY show, an award-winning personal finance journalist & the host of the podcast HerMoney. Jean joins us to talk about how she navigated her career to become one of the most recognized and notable thought leaders in the personal finance space. She also explains the importance of taking risk and also gives different tips for saving and investing (especially if you feel like you had a late start).

Topics discussed in this episode: 

  • Finding the balance between doing what you love and earning money to pay for the lifestyle you love
  • Discussion on the complex relationships that women have with money 
  • How to be creative with being able to reach your goals 
  • How to take risks to land your dream job (and life)   
  • How someone who is older can still save for the lifestyle they want in retirement plus more

Doors for the Launch Club re-open in July/August, click here to get on the list and get access to join before anyone else. 

Other related blog posts/links mentioned in this episode:

Join The Weekly Newsletter List

Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12  Watch my latest segments on News12

YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with Jean:

Website

Instagram:@JeanChatzky

Facebook:@JeanChatzky 

Twitter:@JeanChatzky

Connect with me:

Instagram: @journeytolaunch

Twitter: @JourneyToLaunch

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Jul 03, 2019
103- The 2 Year Anniversary Episode- 10 Lessons & Updates From Growing & Running My Business
47:33

I am so excited to share this episode with you Journeyers! This is the 2nd year anniversary of the Journey to Launch podcast and with it, I’m pulling back the curtain on the hurdles, lessons and great things going on behind the scenes with myself and Journey To Launch. Hopefully, these 10 lessons/takeaways will inspire and enrich your journey too.

My 10 Updates & Lessons:

  1. Say no and being ok with not pleasing everyone. (Are you afraid to say no because you think this opportunity will never come along again?)
  2. Let go of control so that you can grow and maximize your time.
  3. Be appreciative of the good things that you have in your life already.
  4. Know your worth & ask for more.
  5. Monetizing the podcast by partnering with brands that are a good fit
  6. “Talk the talk and walk the walk”-  Realize what you are really worth, and don’t be afraid to ask for more money. Invest in your own knowledge, create value and earn what you are worth.
  7. Instead of asking someone why they didn’t buy your product/service, focus instead on those who did. Don’t focus on the things that aren’t working out in your life, look at the things that are and realize what you are doing right.
  8. Identify your upper limit and realize how it is holding you back from having a breakthrough. Don’t be afraid to take that next step & don’t be your own worst critic.
  9. How to save & invest and take more risk.
  10. Updates on projects at Journey to Launch.

Doors for the Launch Club re-open in July/August, click here to get on the list and get access to join before anyone else

Other related blog posts/links mentioned in this episode:

Join The Weekly Newsletter List

Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12  Watch my latest segments on News12

YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with me:

Instagram: @journeytolaunch

Twitter: @JourneyToLaunch

Facebook: Journey To Launch

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Jun 26, 2019
102- How Dumpster-Diving and House Hacking is Fueling Charlie's Journey to Financial Freedom
40:41

I absolutely Iove bringing you ideas and stories that challenge your belief of what you think you can do and allows you to think outside the box. Charlie Pioli has a passion for environmental conservation and dumpster dives for a majority of his grocery needs.  I was immediately intrigued by Charlie’s story and lifestyle which at first seemed extreme, but as you’ll learn when you listen to the episode, is a practical and smart way to save money and reduce food waste. Charlie even discusses how he is house hacking and using real estate investing as a way to reach his goals.If you think you should skip over this episode just from the title alone, I challenge you to give it a try. Even if dumpster diving isn’t for you, you will walk away with some actionable tips and inspiration for your journey.  

In this episode we discuss:

  • Charlie’s backstory and how he got started dumpster-diving
  • His plan to take a mini-retirment when he turns 30
  • How’s he’s house hacking and planning to use real estate to reach his financial goals
  • Some of the mistakes he’s made a long the way and how you can avoid them
  • Tips to save on your food/grocery expenses + more

Doors for the Launch Club re-open in July/August, click here to get on the list and get access to join before anyone else

Other related blog posts/links mentioned in this episode:

2017 New York City Waste Characterization Study Report With Charlie on the Cover Page Recording Data 

The Truth About the Solid Waste Industry and Recycling 

Article on How to Househack

Advice to Get a Home Loan WIth No or Little Money Down

Join The Weekly Newsletter List

Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12  Watch my latest segments on News12

YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with Charlie:

Website

Instagram:@MrDumpsterDivington

Twitter:@Pioli121

Connect with me:

Instagram: @journeytolaunch

Twitter: @JourneyToLaunch

Facebook: Journey To Launch

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Jun 19, 2019
101 How to Live Abroad and Use Entrepreneurship to Build Wealth with Damien Peters
58:45

Damien Peters walked away from his lucrative tech career to live abroad with his wife and young son in Spain so that he could live a life of freedom and flexibility. Damien shares how  entrepreneurship, real estate investing and saving allowed him to take the big leap and how you can make the changes you need in your life and finances to do the same. On this episode we discuss:

  • How Damien walked away from his lucrative tech career to live abroad & how he was able to give up a stable 6 figure salary to a less guaranteed income but one that came with work flexibility.
  • What should one consider when thinking of moving abroad and how he was able to get his wife on the same page.
  • Damien’s entrepreneurship journey, his previous ventures and why he started Wealth Noir
  • His real estate investing experience
  • His journey in becoming an accredited investor and the risks and rewards associated with it becoming one
  • Actionable tips for those ready to step up their pursuit of wealth & what you can do right now plus more

Doors for the Launch Club re-open in July/August, click here to get on the list and get access to join before anyone else

Other related blog posts/links mentioned in this episode:

Should I Try Living Abroad- By Damien Peters 

Accredited Investor Opportunities- By Damien Peters

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Watch me on News12  Watch my latest segments on News12

YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with Damien:

Website

Instagram:@WealthNoir

Facebook:@WealthNoir

Twitter:@WealthNoir

Connect with me:

Instagram: @journeytolaunch

Twitter: @JourneyToLaunch

Facebook: Journey To Launch

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Jun 12, 2019
100 Q&A Episode: Debt Consolidation, Telling Family No, Emergency Savings + More
34:25

This is the 100th episode of the Journey to Launch podcast and I am so excited about getting this far thanks to all of you who listen every week. So for this episode, I’m answering listener questions about debt consolidation, online savings accounts and so much more.

Questions in this episode:

  • Is a debt consolidation loan ever a good idea?
  • Should you place your emergency savings in an high yield online savings account?
  • What is a Thrift Savings Accounts, how do they work and compare to other employer retirement savings and investment plans?
  • What to do with the money after refinancing your house?
  • How to deal w/ family members who want you to spend money on events when it will set you back financially? + more

Doors for the Launch Club re-open on July/August, click here to get on the list and get access to join before anyone else!

Other related blog posts/links mentioned in this episode:

Join The Weekly Newsletter List

Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12  Watch my latest segments on News12

YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with me:

Instagram: @journeytolaunch

Twitter: @JourneyToLaunch

Facebook: Journey To Launch

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Jun 05, 2019
099 How to Unlock Your Full Wealth Potential & The Power Within You With David Neagle
56:36

This episode is probably one of my top 5 favorite episodes so far on The Journey to Launch podcast! I am so glad David Neagle came on the show; he is the founder of the multimillion-dollar global coaching company Life Is Now, Inc, helping thousands of entrepreneurs, experts and self-employed professionals gain the confidence and find the right mindset to increase their revenue. After a near death experience, David changed his way of thinking to get him on the path to unlock his full potential and making so much more money.  We discuss ways to change your mindset, how to deal with fear, how to stop feeling stuck in your jobs, the law of polarity, & so much more. Find out what book he recommends that you should definitely read & study to learn about how to make money that will change your life!

On this episode, we discuss:

  • David’s overall background/story
  • How David’s life was forever changed on a day on the Illinois River which caused him to unlock the potential within him and triple his income
  • How school and full time employment instills the idea of being safe in life and loyal to a job but can keep you stuck from reaching your true potential
  • What happens to us as we grow to keep us so fearful
  • Why the Science of Getting Rich by Wallace D Wattles is David’s favorite book
  • The Universal law and the law of polarity
  • How to see opportunities instead of obstacles
  • How we can move from the mediocre mindset to the entrepreneur mindset
  • Why it’s our divine right to be rich and wealthy but why so many people don’t achieve or believe this
  • The one thing that you can do right now to change your life and unlock your full wealth potential

Doors for the Launch Club re-open on July 18th, click here to get on the list and get access to join before anyone else

Other related blog posts/links mentioned in this episode:

Join The Weekly Newsletter List

Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12  Watch my latest segments on News12

YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with David:

Website

Instagram:@David_P_Neagle

Facebook:@DavidNeagleCommunity

Twitter:@DavidNeagle

Connect with me:

Instagram: @journeytolaunch

Twitter: @JourneyToLaunch

Facebook: Journey To Launch

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May 29, 2019
098 Paying Off $111,000 of Debt in 4.5 Years on a Teacher’s Salary with Allison Baggerly
50:11

I’m so excited to be joined by Allison Baggerly on this episode who is the founder of Inspired Budget, a business that helps women learn how to budget, save money, and pay off debt. Allison shares with us how she and her husband were able to pay off $111,000 worth of debt on 2 teacher’s salary in 4.5 years! She gives us lots of great tips on how she and her husband stayed committed to their goals, and opens up about her struggles with anxiety and depression around money which affects many of us. Learn how to shift your focus from finding temporary happiness from spending money to finding it in saving & paying down debt!

Topics discussed on this episode:

- How she and her husband paid off $111,000 in debt in 4.5 years on teacher’s salaries

- What steps they took to find more money in their budget

- How they stayed committed to their money goals

- Her struggle with anxiety and depression, especially around money

- How she’s a natural spender and how she fought it to stay on track to pay off her debt

- How Allison juggles a full-time job, being a mom and a wife plus running a side hustle

- Her thoughts on the Financial Independent Retire Early Movement (F.I.R.E)

- Tips if you are struggling with a budget plus so much more!

Other related blog posts/links mentioned in this episode:

How We Paid Off $111,000 of Debt to Become Debt Free

Have Kids & Become Debt Free

Coach Purse

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YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with Allison:

Website

Instagram:@InspiredBudget

Facebook:@InspiredBudget

Twitter:@Inspired_Budget

Connect with me:

Instagram: @journeytolaunch

Twitter: @JourneyToLaunch

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May 22, 2019
097 Paying Off Debt & Real Estate Investing with Ogechi Igbokwe
43:43

This week’s guest is Ogechi Igbokwe, a financial educator, money strategist, speaker, personal finance writer and the founder of OneSavvyDollar. In our chat, Ogechi gives a lot of great tips and advice on how to get out of student loan debt, how & where to get started investing in real estate, and how to find companies that help you pay for your higher education tuition.

Here are just some of the topics that we discussed:

  • Ogechi’s background story; what she learned about money where she grew up, how those views were altered when immigrating to the US.
  • Family views on education and how it differed in the U.S compared to Nigeria
  • What steps she took to get out of $26,000 worth of student loan debt and tips on how you can too
  • The challenges she faced along the way to becoming debt free
  • Ogechi’s real estate investing experience and how she bought her first property at 21 years old
  • Methods you can take to get companies to either pay for tuition or pay for tuition reimbursement

Ogechi is also coming into the Launch Club to teach a class about Home Buying & Real Estate. Doors for the Launch Club are currently closed but you can get on the waitlist to join the Launch Club and watch Ogechi’s class and other classes that can help you achieve your goals of Financial Freedom.

Click here to get on the waitlist and be the first to be notified when the doors open.

Other related blog posts/links mentioned in this episode:

Join The Weekly Newsletter List

Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12  Watch my latest segments on News12

YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with Ogechi:

Website

Instagram:@OneSavvyDollar

Facebook:@OneSavvyDollar

Connect with me:

Instagram: @journeytolaunch

Twitter: @JourneyToLaunch

Facebook: Journey To Launch

Join the private Facebook Group

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May 15, 2019
096 How To Achieve Flexible Financial Independence & Create Your Ideal Life with Jillian Johnsrud
46:39

What does a flexible life, a life where you are in control and enjoy look like. Today, I’m speaking with Jillian Johnsrud on the podcast to learn just that. By 32, Jillian and her husband had paid off $55k in debt, lived abroad for 4 years, traveled to 27 countries, adopted 4 kids, paid cash for their home and became financially independent. She lives in Montana where she writes, coaches and speaks about creating financial freedom, intentional living and lifestyle entrepreneurship.

On this episode we discuss:

  • What a Financial Independence (FI) Flashpoint is and how it prompted her to look for a better way
  • How to create your ideal life
  • What she and her husband did to become FI
  • How & Why they bought their first house in all cash
  • What Flexible F.I.R.E is and why we should choose our own path
  • Accomplishing minimalism with 5 children at home plus so much more

Doors for the Launch Club re-open on July 18th, click here to get on the list and get access to join before anyone else

Other related blog posts/links mentioned in this episode:

Jillian’s Free Course - Live w/ Intention: A Roadmap to Your Best Life   

Flexible F.I.R.E.

Finanical Independence Flash Point

Minimalism with Kids

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Watch me on News12  Watch my latest segments on News12

YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with Jillian:

Website

Instagram:@JillianJohnsrud

Twitter: @MtMoneyAdventur

Facebook:@MontanaMoneyAdventures

Connect with me:

Instagram: @journeytolaunch

Twitter: @JourneyToLaunch

Facebook: Journey To Launch

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May 08, 2019
095 Side Hustling To Pay Off Debt & Bouncing Back From Setbacks On Your Financial Journey with Jason Butler
45:19

On this episode, we are joined by Jason Butler of My Money Chronicles. He is a serial side hustler, who currently makes between $500 - $800 per month with eBay and uses that money and other side hustle income to pay off his debt.  He's gets real with us about all the setbacks, headaches and bumps along his journey that he has experienced. Jason explains how he works on his side hustles to help him pay off his debt and gives us great advice on how you can approach setting goals for getting out of debt too. Find out about how much he loves Miami but why he can’t go back just yet!

On this episode we discuss:

  • Jason’s money backstory and how he got into debt
  • What setbacks he has had  along the way and some of the lessons he’s learned
  • His current side hustles and how he plans to make $36,000 this year from side hustles alone
  • How Jason plans to stick to his debt payoff goal
  • How he makes money from Ebay and how any person can get started selling on Ebay plus so much more  

Doors for the Launch Club re-open on July 18th, click here to get on the list and get access to join before anyone else

Other related blog posts/links mentioned in this episode:

Join The Weekly Newsletter List

Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12  Watch my latest segments on News12

YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with Jason:

Website

Instagram:@MyMoneyChronicles

Twitter: @Money_Chronicle

Facebook: @MyMoneyChronicles

Connect with me:

Instagram: @journeytolaunch

Twitter: @JourneyToLaunch

Facebook: Journey To Launch

Join the private Facebook Group

Become a member of the Journeyer Launch Club

 

May 01, 2019
094 Tips on Funding and Growing Your Side Hustle with Kara Stevens
47:43

I am so excited to share this episode featuring Kara Stevens of the award winning site The Frugal Feminista which helps women get their finances in order. We get some firsthand tips from Kara on how to grow and manage a profitable side hustle while juggling a full-time job and family. Kara was able to not only pay off $40,000 in debt in 3 years but also build a business on the site while managing a full time job & a family, so there is definitely much to learn

In this episode we will discuss:

  • Kara’s background, money story & journey into entrepreneurship
  • How she paid off 40,000 of debt in 3 years. Find step by step guide here.
  • How to balance a full-time job, your side hustles & a family
  • How as a principal, Kara wanted to start a community based businesses
  • Time vs. money argument. When to outsource and build a team, and how to determine where to spend/invest when you still have debt
  • How to build a team for the key aspects of the business on a budget and the tools to support communication?
  • Tips on staying motivated from Kara’s article.

Other related blog posts/links mentioned in this episode:

9 Things I Did to Pay Back My $40K Student Loan Debt in Two Years

6 Tips to Keep You Motivated While Building Your Business on the Side

Join The Weekly Newsletter List

Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12  Watch my latest segments on News12

YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with Kara:

Website

Instagram:@FrugalFeminista

Twitter: @FrugalFeminista

Facebook: @TheFrugalFeminista

Connect with me:

Instagram: @journeytolaunch

Twitter: @JourneyToLaunch

Facebook: Journey To Launch

Join the private Facebook Group

Become a member of the Journeyer Launch Club

Apr 24, 2019
093 The DIY & Trade Job Path to Financial Freedom with Tinian Crawford
43:36

You may think that you need a traditional education to reach Financial Freedom, but on this episode, Tinian Crawford is here to tell us otherwise. He shares with us how lucrative a job in the Trades can be and why more people should be looking to a trade career and building their DIY skills to help them reach their goals of Financial Independence.  

On this episode you will learn:

  • Tinian’s backstory & his entrepreneurial journey into the world of Financial Independence
  • What’s considered a "trade job" and how pursuing trade skills is a great alternative to a traditional college education
  • The demand for trade jobs and the gap between skilled workers and available positions
  • How one can get started in the trades, how to get your children started & how to pivot into a trade career
  • How to become a trade entrepreneur in order to reach your financial goals
  • The gender gap and barrier that women may experience when looking to get into trades but why women are needed in these fields plus so much more

Other related blog posts/links mentioned in this episode:

NPR Article

Women in the Trades

College vs Trades 

My Big Stupid Hot Tub

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Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12  Watch my latest segments on News12

YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with Tinian:

Website

Instagram:@diycaptain

Twitter: @DiyCaptain

Facebook: @Tinian.Crawford

Connect with me:

Instagram: @journeytolaunch

Twitter: @JourneyToLaunch

Facebook: Journey To Launch

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Apr 17, 2019
092- Affordable Real Estate Investing with Lisa Phillips
01:02:17

On this episode of Journey to Launch, I speak to Lisa Phillips on how to get into affordable real estate investing as a way to build wealth. Lisa shares how she built her real estate portfolio and has reached Financial Freedom after losing her job and going through foreclosure.

Topic talked about in this episode include:
-Lisa Phillip’s background from losing her home in a foreclosure to being able to bounce back as a successful real estate investor
-How to get started investing in real estate without a lot of capital & cash
-Where to find affordable real estate for around $30,000
-Why rural, inner-city, and mid sized cities properties in working class neighborhoods are the best investments
-How to invest in a property in another city & the key things to make out of town investing work plus so much more

Other related blog posts/links mentioned in this episode:

Thank you to The Nav.it Podcast for Sponsoring the Episode

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Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12  Watch my latest segments on News12

YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with Erin:

Website

Instagram: @Affordablerei

Twitter: @Affordablerei

Facebook: @Affordablerei

Connect with me:

Instagram: @journeytolaunch

Twitter: @JourneyToLaunch

Facebook: Journey To Launch

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Apr 10, 2019
091 Leveling up your Money & Investing with Erin Lowry
56:20

Investing can seem complicated but Erin Lowry is breaking it down into terms we can all understand. Her new book, Broke Millennial Takes On Investing, is a beginners guide to investing and will help you level up your money.  Here's what we discuss in this episode:

  • Erin’s background & how she became the Broke Millennial and an overview of her book
  • The most common “excuses” or limiting beliefs on why people don’t invest
  • The importance of compound interest, inflation & time & why you should start sooner than later
  • Investing in a 401K, Roth IRA & other investing options aside from your employer
  • Goal setting, time horizon, risk tolerance and asset allocation
  • Paying off your student loans vs credit card debt vs investing for retirement
  • What the wealthy are doing in regards to investing
  • The benefits & advantages of robo advisors vs human advisors vs investing on your own

Email info@brokemillennial.com with proof of purchase of the book & get the free 30 day investing action plan! 

Last Chance to join the Journeyer Launch Club before the doors close for a bit on April 4th. Check out the Launch Club here.

Other related blog posts/links mentioned in this episode:

Get your chance to win a copy of Erin's book here.

Get Erin Lowry's Book Here

Attend Erin's Upcoming Book Tour 

Check out Investor.gov 

Join The Weekly Newsletter List

Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12  Watch my latest segments on News12

YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with Erin:

Website

Instagram: @BrokeMillennialBlog

Twitter: @BrokeMillennial

Facebook: BrokeMillennial

Connect with me:

Instagram: @journeytolaunch

Twitter: @JourneyToLaunch

Facebook: Journey To Launch

Join the private Facebook Group

Become a member of the Journeyer Launch Club

Apr 03, 2019
090- Four Things You MUST Focus on To Make Financial Freedom A Reality
31:33

To reach your goals of Financial Freedom and Independence, you have to focus on these four areas; Income, Expenses, Investing (not just in retirement accounts), & Mindset. In today’s episode, I will be discussing how to optimize and improve each of the four components and give you tips on how to succeed in each area.

There’s still time left to join me in my FREE class on March 28th at 8:30pm EST. Grab your spot here

Other related blog posts/links mentioned in this episode:

Join The the FREE class on March 28th at 8:30pm EST

Join The Weekly Newsletter List

Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12  Watch my latest segments on News12

YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with me:

Instagram: @journeytolaunch

Twitter: @JourneyToLaunch

Facebook: Journey To Launch

Join the private Facebook Group

Become a member of the Journeyer Launch Club

Mar 27, 2019
089- Tax Code Changes, Business & Real Estate Tax Tips & Building Wealth w/ Atiya Brown
48:29

On this week’s episode, I talk with to Atiya Brown of the Savvy Accountant all about taxes. Taxes can be confusing and overwhelming to understand but its an important tool to build wealth. We talk about:

  • New changes to the tax code 
  • How to decide when you should DIY your taxes vs hiring a professional
  • How you can use a businesses and side hustles to help you become more tax efficient
  • Using real estate to help lower your tax liability and build wealth
  • Most common tax misconceptions and questions Atiya gets about taxes + so much more

Join me for the FREE class on March 28th all about how to create your plan to reach Financial Freedom here

Other related blog posts/links mentioned in this episode:

Join The the FREE class on March 28th at 8:30pm EST

Join The Weekly Newsletter List

Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12  Watch my latest segments on News12

YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with Atiya:

Website

Twitter: @AccountantSavvy

Instagram: @thesavvyaccountant

Facebook Page: thesavvyaccountant

 

Connect with me:

Instagram: @journeytolaunch

Twitter: @JourneyToLaunch

Facebook: Journey To Launch

Join the private Facebook Group

Become a member of the Journeyer Launch Club

Mar 20, 2019
088- Faster and Cheaper Alternatives to College w/ Ryan Craig
50:42

On this week’s episode, I am exploring some cheaper and faster alternatives to college with Ryan Craig who wrote the book, A New You, Cheaper and Faster Alternatives to College. In this episode we talk about:

  • The history of college education and how this advanced degree system came to be?
  • The fundamental issues with college today 
  • What’s the framework for making the critical importance choice of where to go to college? 
  • Affordable vs Unaffordable and Nonselective college vs Selective college
  • The last mile in higher education, pathways to digital new careers, boot camps (in person and online)
  • What’s the overall benefit to solving social and economic problems when the faster and cheaper college alternatives become more of the norm? plus so much more

Join the Journeyer Launch Club for more tips, tools and resources to help you on your journey to Financial Freedom!

Other related blog posts/links mentioned in this episode:

A New U Book

The Rule of 10- Benchmark for making college affordable

Techtonic

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Connect with Ryan:

Website

Twitter: @ryancraiguv

 

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Mar 13, 2019
087- Investing & Entrepreneurship w/ Eric Patrick The Hip Hop Stock Doc
49:26

On this week’s episode, I’m talking to Eric Patrick who is a full-time Pharmacist, husband, father of two and runs two side hustles, DocDesgins, a social media management company and Black Market Exchange which uses hip-hop and urban media to make investing fun and easy to understand. In this episode we talk about:

  • How he first got into investing
  • Balancing a full-time job as a pharmacist and two side hustles
  • The lessons we can learn about money through hip hop and movies like Black Panther
  • How you can be multi passionate and pursue different career paths
  • Deciding on what to do as a side hustle
  • Lessons to teach your kids about money plus so much more

Join the Journeyer Launch Club for more tips, tools and resources to help you on your journey to Financial Freedom!

Other related blog posts/links mentioned in this episode:

Gaining Personal Financial Freedom through the Biblical Principles of Finances by Larry A. Maxwell

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YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with Eric:

Website

Instagram: @Black_market_exchange

Twitter: @hiphopstockdoc

Facebook: Black Market Exchange

 

Connect with me:

Instagram: @journeytolaunch

Twitter: @JourneyToLaunch

Facebook: Journey To Launch

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Become a member of the Journeyer Launch Club

 

Mar 06, 2019
086- Journeyer Profile: Owning Real Estate & Having a Networth of $100K without a 6 Figure Salary with Ashley Copeland
54:07

I’m excited to bring you another Journeyer Profile interview. Today, I’m talking with Ashley Copeland who was able to purchase 2 homes and has a net worth of almost $100,000 all by the age of 27 years old. She was able to accomplish all of this without ever earning 6 figures and while living in DC.

In this interview we discuss:

  • How she ended up buying 2 properties in DC
  • How she prepared to quit her job to follow her passions
  • Why she comes from a place of gratitude with all areas of her life - even when it comes to waiting tables
  • Tips on spending wisely and saving money
  • Breaking down your goals to be smaller and achievable and so much more

Join the Journeyer Launch Club for more tips, tools and resources to help you on your journey to Financial Freedom!

Other related blog posts/links mentioned in this episode:

Afford Anything Podcast

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YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with Ashley:

Website

Instagram: @Stacksnthecity

Twitter: @Stacksnthecity

Facebook: Stacks and the City

Connect with me:

Instagram: @journeytolaunch

Twitter: @JourneyToLaunch

Facebook: Journey To Launch

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Feb 27, 2019
085- The Colors of FI - Roundtable Chat on Financial Independence
01:04:35

I’m excited and honored to bring you this roundtable discussion. I brought together some of the most notable and leading voices in the Financial Independence and personal finance space to discuss the wealth gap, privilege and the unique factors that people of color face in reaching Financial Freedom.

The roundtable includes; Naseema from Financially Intentional, Carmen Perez from Make Real Cents, Timika from the House of FI Podcast & Julien and Kiersten from Rich & Regular.  

We discuss:

  • Lack of diversity in the messaging and why our stories need to be told
  • Our thoughts on overall privilege and our own individual privileges
  • Actionable steps people of color need to take to get ahead
  • Getting the cheat code by investing in yourself and education plus so much more

Join the Journeyer Launch Club for more tips, tools and resources to help you on your journey to Financial Freedom!

Other related blog posts/links mentioned in this episode:

Naseema’s first JTL interview Episode 16

Timika’s first JTL interview Episode 30

Julien & Kiersten’s first JTL interview - Episode 43

Black Fire series Part 1 & Part 2

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YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with Carmen:

Website

Instagram: @makerealcents

Twitter: @makerealcents

Facebook: Make Real Cents

 

Connect with Timika:

Reluctant Frugalist Website

House of FI

Instagram: @house_of_fi

Facebook: House Of FI

 

Connect with Naseema:

Website

Instagram: @financiallyintentional

Facebook: FinanciallyIntentionalBiz

 

Connect with Julien & Kiersten:

Website

Instagram: @richandregular

Twitter: @richandregular

Facebook: Rich and Regular

 

Connect with me:

Instagram: @journeytolaunch

Twitter: @JourneyToLaunch

Facebook: Journey To Launch

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Feb 20, 2019
084- How To Achieve A Work-Optional Life & Retire Early with Tanja Hester
50:05

How do you create a life where work is optional? Are you interested in early retirement but not a fan of super frugality? On today’s podcast, I have Tanja Hester, creator of the Our Next Blog, who retired early at the age of 38 to talk about her new book, Work Optional, where she answers those questions and more.  

In this episode we discuss:

  • The three stages of work optional living; full early retirement, semi-retirement & career intermission
  • The concept of Hedonic Adaptation and how it impacts the way we spend money
  • Why we should all have a money mission statement
  • Tanja’s genetic disability and how it impacts her drive to live her best life
  • Different options for health care coverage for early retirees plus so much more

I’m also excited because I’m giving away a copy of Tanja’s new book, Work Optional, to lucky listeners of the podcast. You can enter to win by clicking here.

Join the Journeyer Launch Club for more tips, tools and resources to help you on your journey to Financial Freedom!

 

Other related blog posts/links mentioned in this episode:

Get the book Work Optional

Download the Work Optional Questionnaire

Early Retirement Now Blog

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YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with Tanja:

Instagram: @our_nextlife

Twitter: @our_nextlife

Facebook: OurNextLife

Connect with me:

Instagram: @journeytolaunch

Twitter: @JourneyToLaunch

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Feb 13, 2019
083- It’s My Birthday! How I’m Leveling Up & Things I’m Focusing On This Year
34:05

It’s my birthday, so today’s episode is going to be a personal one. I’m going share how I plan on getting to the next level in my personal development and entrepreneurial pursuits and how you can do the same. Plus, I’ll be talking about some of my goals and what I want to focus on this year.

If you want to give me a birthday gift, simply share the podcast with someone or on your social media!

Also, don’t forget to check out the Journeyer Launch Club for the tips, tools and extra content to reach your financial goals!

Connect with me:

Instagram: @journeytolaunch

Twitter: @JourneyToLaunch

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Feb 06, 2019
082- Your Guide to Financial Freedom & Having All The Money You Will Ever Need with Grant Sabatier
01:14:11

Happy to have Grant back on the podcast to discuss his new book Financial Freedom- A Proven Path to All the Money You Will Ever Need. Grant was first on episode 48 of the podcast and now he’s back to break down some of the best concepts from his new book.

Watch the interview here: https://youtu.be/U_g5ONzdJy4

I’m also excited because I’m giving away 3 copies of the book to lucky listeners of the podcast. You can enter to win by clicking here.

Join the Journeyer Launch Club for classes, tools, resources and the community support you need to reach Financial Independence

Other related blog posts/links mentioned in this episode:

Get the Financial Freedom book - Financialfreedombook.com (available for pre-order now and in stores February 5th)

Check out some of the tools from the book https://financialfreedombook.com/tools/

Listen to Grant’s first interview on the Journey To Launch podcast

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YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with Grant:

Grant's Website

Instagram: @financialfreedom

Instagram: @millennialmoneycom

Twitter: @millennialmoney

Connect with me:

Instagram: @journeytolaunch

Twitter: @JourneyToLaunch

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Jan 30, 2019
081- Atomic Habits: How Tiny Changes Spark Remarkable Results with James Clear
45:09

If you are wondering how it is that you can create better habits in your life and get rid of the habits that you know are holding you back, you are going to love my chat with bestselling author James Clear on his latest book Atomic Habits. The book is a guide on how to change your habits and get 1% better every day.

In this episode we discussed:

  • The importance of habits in our lives
  • How meaningful changes yield radical results
  • Why we should focus on identity-based habits vs outcome based habits
  • The framework of Cur, Craving, Response & Reward and how to use it to create good habits and break bad habits
  • Why it’s important to take small steps toward building better habits plus so much more

Join the Journeyer Launch Club for classes, tools, resources and the community support you need to reach Financial Independence

 

Other related blog posts/links mentioned in this episode:

Join The Journeyer Launch Club

Join The Weekly Newsletter List

Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12  Watch my latest segments on News12

YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with James:

James's Website

Atomic Habits

Facebook: James Clear

Instagram: @james_clear

Twitter: @jamesclear

Connect with me:

Instagram: @journeytolaunch

Twitter: @JourneyToLaunch

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Jan 23, 2019
080- Finding Joy, Wealth & Freedom on Your Journey To Financial Independence with Kerry Ann Rockquemore
01:04:20

In this episode, I’m talking to Kerry Ann Rockquemore from the blog thebestchapter.com. Kerry Ann and her husband were able to retire early at 46 years old and have reached Financial Independence. Through their journey, they have found a way to find joy, wealth and freedom and now Kerry is helping us find the same.

In this episode we discussed:

  • What prompted Kerry Ann and her husband to pursue Financial Independence
  • The things they did and implemented to help them on their journey
  • Why Kerry Ann walked away from a job that she loved
  • What the lifestyle is like in the early retirement and what they do on a day to day basis
  • How to plan for a great year and the importance of joy habits plus much more

Join the Journeyer Launch Club for classes, tools, resources and the community support you need to reach Financial Independence

Other related blog posts/links mentioned in this episode:

Annual Planning That Works

One Word

Why Retire From A Job You Love

Vicki Robin interview on the Journey To Launch Podcast

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YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with Kerry Ann:

Instagram: @runningintofire

Kerry Ann's Website

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Jan 16, 2019
079- How To Earn More Money & Live in Abundance with Amanda Abella
54:58

In today’s podcast episode, I had the pleasure of talking to Amanda Abella who started her entrepreneurial career as a freelance writer and later pivoted to teaching business owners how to earn more.

Featured in Forbes, The Huffington Post, Inc, and Business Insider, Amanda Abella is a Latina millennial money expert who has created an online community where millennials can learn how to make money online and actually enjoy their financial journeys.

Amanda and I talk about so many things including:

  • How Amanda doubled her income in her business in one year
  • How to change our mindset from a scarcity mindset to an abundance mindset
  • Why we should focus on earning more and increasing our income
  • How to let go of old money beliefs
  • Why taking personal responsibility and having a commitment to yourself is important to improving your finances
  • How to implement an abundant mindset in your business and entrepreneurship ventures plus more

Join the Journeyer Launch Club for classes, tools, resources and the community support you need to reach Financial Independence

 

 

Other related blog posts/links mentioned in this episode:

Overcoming Underearning by Barbara   

The Successful Mind Podcast by David Nagel

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YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

 

Connect with Amanda:

Instagram: @amandaabella

Twitter: @amandaabella

Facebook: Coach Amanda Abella

amanadaabella.com

 

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Jan 09, 2019
078- Ten Tips And Strategies To Help You On Your Journey To Financial Freedom
28:44

Happy New Year! In this week's episode, I'm sharing the 10 tips and strategies for you to implement on your journey to Financial Freedom so that you can reach all your goals and more this year and beyond. 

Here is a list of the 10 things to do help you succeed on your Financial Freedom journey. For more details on each point, take a listen to the podcast. 

  1. Find a support network
  2. Find something to keep you occupied in the meantime
  3. Don’t judge others who are not on the path or who have a different path
  4. Don’t give up and push through the doubt
  5. Dream big - reprogram, reframe and make the abnormal normal
  6. Create a better relationship with money
  7. Don’t make excuses or complaints
  8. Don’t compare your journey to others
  9. Practice integration and execution
  10. Be disciplined and be courageous

Join the Journeyer Launch Club for classes, tools, resources and the community support you need to reach Financial Independence

 

Other related blog posts/links mentioned in this episode:

Join The Journeyer Launch Club

Join The Weekly Newsletter List

Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12  Watch my latest segments on News12

YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

 

Connect with me:

Instagram: @journeytolaunch

Twitter: @JourneyToLaunch

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Jan 02, 2019
077 - 2018 Year End Review & How I’m Making 2019 My Best Year Yet (Plus Tips For You To Do The Same)
39:41

2018 was a year of major growth and transitions in my business and personal life. I quit my job, had my third baby and jumped feet first into entrepreneurship full-time. In this week's podcast episode, I'm reviewing some of the goals I met in 2018, what I learned this year and what I'm looking forward to in 2019. I'm also sharing tips and strategies that you can apply to your own life and finances so that you can set yourself up for your best year yet too!

Join the Journeyer Launch Club for classes, tools, resources and the community support you need to reach Financial Independence

 

In this episode we discuss:

  • What I accomplished and what I learned
  • Things I'm looking forward to and planning for in 2019
  • How to make 2019 your best financial year yet

 

Other related blog posts/links mentioned in this episode:

Check out The Journeyer Launch Club

Join The Weekly Newsletter List

Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12  Watch my latest segments on News12

YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

 

Connect with me:

Instagram: @journeytolaunch

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Dec 26, 2018
076- How We Can Find Strength, Truth, and Joy in Our Relationship with Money with Lynne Twist
52:02

We all have some sort of relationship to money. Most of us, unfortunately, are enslaved to money.  What if, just by healing our relationship with money, we could transform our relationship in life? In this week’s episode, I’m speaking with Lynne Twist, the author of The Soul of Money where we discuss how we can find strength, truth and joy in our relationship to money.

In this episode we discuss:

  • The powerful grip that money has on our lives
  • Why budgeting and financial planning is more about wisdom
  • What is the soul and how does it relate to money?
  • What it looks or feels like when a person is in harmony with the way they view, earn and spend money
  • What it means to take a stand and the money will follow
  • How practicing gratitude allows us to receive more in our lives plus so much more

 

 Other related blog posts/links mentioned in this episode:

Soul of Money Institute:  https://soulofmoney.org/

Pachamama Alliance: https://www.pachamama.org/

  • The online course information is on the “Learn & Engage” page, Lynne suggested you looking at Awakening the Dreamer, Game Changer Intensive and Drawdown: https://www.pachamama.org/engage

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Watch me on News12  Watch my latest segments on News12

YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

 

Connect with Lynne:

Facebook: The Soul Of Money Institute

Twitter: @lynne_twist

Instagram: Soul Of Money

LinkedIn: lynnetwist

 

Connect with me:

Instagram: @journeytolaunch

Twitter: @JourneyToLaunch

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Dec 19, 2018
075- An Interview With My Mom & How She Prepared Me To Prosper
01:00:34

This is my most important and special interview to date. It's with my Mom. I talk about her so much on the show and in every interview I do so why not give you the opportunity to hear from her yourself. I give her all the credit for the person who I am today. She put me in this amazing position to prosper despite the fact that she didn't have much and had me as a young mom. In the episode, we talk about:

  • How she had me at 20 years old and had to leave me behind as a baby in Jamaica while she came to USA to look for more opportunities
  • How she made a way for herself in NYC without having any money or knowing much
  • Why she focused on education as a means to get out of poverty
  • The characteristics she instilled in me and the lessons she taught to me growing up
  • The fact that she taught me the importance of saving but never really taught me about managing money
  • The many ways she helped me financially even though it meant sacrificing her own goals
  • Plus so much more
 
This episode was sponsored by Prepare to Prosper a campaigned by Wells Fargo designed to build financial capability and help address the African American wealth gap.  To check out their free resources, go to wellsfargo.com/financial-education
 
Also, check out the Journeyer Launch Club to join other Journeyers just like yourself who are on the path to launch to Financial Independence!
 

Other related blog posts/links mentioned in this episode:

The doors for the Journeyer Launch club are now open! Join us here

Join The Weekly Newsletter List

Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12  Watch my latest segments on News12

My One on One Money Coaching Services – Get my personalized 1on1 money coaching expertise to help you reach your financial goals

YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

 

Connect with me:

Instagram: @journeytolaunch

Twitter: @JourneyToLaunch

Facebook: Journey To Launch

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Dec 12, 2018
074- The Impact of Income, Privilege & Race on the Path To Financial Freedom
31:54

Does your income matter when it comes to being able to reach Financial Freedom/Financial Independence? How big of a role does privilege play in being able to reach your goal and does everyone benefit from having privilege? How do race and socioeconomics play into the wealth journey?

I’m talking about these topics on today's episode and would love to hear what you think too. 

Other related blog posts/links mentioned in this episode:

Investopedia Article - Which Income Class Are You 

Join The Weekly Newsletter List

Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12  Watch my latest segments on News12

My One on One Money Coaching Services – Get my personalized 1on1 money coaching expertise to help you reach your financial goals

YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

 

Dec 05, 2018
073- Journeyer Profile Kari Lorz Finding Her Way to Financial Independence While Building a Financial Safety Net For Her Special Needs Daughter's Future
37:18

The journey to Financial Independence can be a tough one that is full of ebbs and flows. I believe that it is so important that we share our stories to inspire others that may be experiencing some of the same challenges that we have. That is why I started the Journeyer Profile Series where I’m talking to my listeners and the people in my community about their path to FI.

In this week’s episode, I’m speaking with Kari Lorz, who is not only making strides towards establishing financial independence with her husband, but she is also building a financial safety net for her 2 year old daughter to fall back on in the case that she cannot do for herself; as she is ailed by Cerebral Palsy. Keep reading and listen to this week's show to learn more about her story.

If you would like to be considered to be a journeyer for the Journeyer Profile Series go to www.journeytolaunch.com/journeyerprofile

 

When did you discover FI?
 
I've been really into finance for 4 years, but not until maybe 8 months ago did I discover FI. In the beginning, it was couponing, heavy comparison shopping, then Dave Ramsey, then retirement planning and then I finally found out about FI. Whew!
 
 

Why are you pursuing FI? What's your WHY?

My main goal with FI is to be able to have enough of a financial cushion so I can stop working to help take better care of my daughter and do better self-care. Right now I am frazzled, not healthy, and always worried. I need to do better, I have to do better!

My daughter is almost 3 yrs old and since birth she has had significant physical delays, we're almost certain that a diagnosis of Cerebral Palsy will be given. So in talking about FI & my daughter, I need to have more time to help take care of her, specifically, do more home physical therapy, & more hands-on time. Right now it's the typical working mom scenario; laundry, groceries, cleaning, taking care of all the finances, oh and working with an hour commute each way. It's exhausting, so when I am home I'm tired and doing all the regular home stuff, it's hard to do everything and be a physical therapist. I have a great husband and he takes on a lot but he also works full time and is in the National Guard.

For Lilia we have also set up an ABLE account, it was originally a college 529 account that we started at birth, but in her situation we decided an ABLE account was better (you can use it for a lot more things than a 529, basically anything that improves her quality of life will count). We're not quite sure what her earning potential will be in the future, so we want to get as much of a cushion as we can for her together to help her.

 
What's your FI number? and/or overall FI goal? (if you don't know input n/a)

Lean FI would be $1.2M and fat FI would be $1.8M but I'd feel better with $2 - then we could go to DisneyWorld more! I'd like to also have the ABLE account maxed ($15K per year, up to about $300K).

The hard part for us with our FI number, a lot of the retirement income will come from two pensions. My husband has almost reached his 20 years in the Service (he'll get full retirement in two years), and he also works for the State in Child Welfare. So the RE portion of FIRE isn't for us, but the FI part is what we're focused on.

Where are you currently on the journey? Debt payoff mode, aggressively saving mode, increasing investments mode?

We are in the increasing investment mode. The only debt we have is our mortgage. We do have a few sinking funds set up (vacation, home repair, Lilia's medical needs, and emergency), so immediate and near future needs are taken care of.
 
 

What are some mistakes, wins and lessons you’ve learned or gathered along the way to share with other Journeyers?

Mistake
- Living in a HCOL area, Portland, Or. But we're local, so all our family is here.
- Not saving more earlier on was a HUGE mistake of mine. When I was in my 20's I was saving maybe $50 a month in IRA. I never even considered more. I had to money to invest, but I never realized the potential.Win
- I am slowly getting into the side hustle game. For a time I was in it, but only very limited (i.e. taste testings, surveys, etc.) Then my overall mantra became "quit majoring in minor things!" So just in the past three months have I been serious about building a side hustle.
 
 
List the things you are doing to help move forward on your journey (side hustle, cutting expenses, increasing income, moving to LCOL, building up passive income streams, etc.)
 
- side hustle
- small optimizations over time = big outcomes
- avoiding debt like the plague.
- sinking funds!
 
I'd love to have a blog as a passive income stream yet I'm not sure if a blog is for me.
 
 

What are your plans after FI? What do you ultimately want to do when money is no longer an issue?

Spend time with my family, watch a movie all the way through without distractions. (Right now it takes me 4 nights to watch a movie because I always fall asleep, as its late at night. Or I do chores while watching and I don't ever enjoy it). It's really hard for me to sit and do nothing, I feel like I have so much on my plate that I need to constantly be productive.

My husband and I really want to travel, we want experiences and not things! "Things" just feel like such a weight, kind of suffocating. I'd love to have more of a minimalist lifestyle.

What advice do you have for other Journeyers who want to stay motivated on this journey?

Always be learning! I feel that I have missed out on so much because I just "didn't know". I found out about compound interest way too late in the game. Catching up is hard! For my nephew's HS graduation I gave him a DR compound interest chart of Arthur & Ben, and a book on how not to f-up in college financially speaking :). I did tuck a $100 bill in there and didn't tell him, he had to read the book to find it. ha ha

I am always trying to learn (which may contribute to my frazzledness as I always want to be implementing new things). So my best advice is to try and spend at least 1 hour a day on learning. I listen to financial and side hustle podcasts on my commute. Too much learning = overload.

Take it slow & steady!
 

[bctt tweet="I'm listening to Episode 73 of the #journeytolaunch podcast, Journeyer Profile Kari Lorz Finding Her Way to FI While Building a Financial Safety Net For Her Special Needs Daughter." username="journeytolaunch"]

[bctt tweet="Quit majoring in minor things!" username="journeytolaunch"]

 

Other related blog posts/links mentioned in this episode:

More about the Able Account - Tax-advantaged savings accounts for individuals with disabilities and their families

Unstoppable Blog- Life Lessons

The Choose FI Guys interview on the Journey To Launch podcast - The Pillars of FI  journeytolaunch.com/episode19

Join The Weekly Newsletter List

Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12  Watch my latest segments on News12

My One on One Money Coaching Services – Get my personalized 1on1 money coaching expertise to help you reach your financial goals

YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Get the Financial B.O.S.S. toolkit

 

 

Connect with Kari:

The PDX VA- https://thepdxva.com/

 

Connect with me:

Instagram: @journeytolaunch

Twitter: @JourneyToLaunch

Facebook: Journey To Launch

Join the private Facebook Group

Nov 28, 2018
072- How Pursuing Financial Independence and Sustainable Living Go Hand in Hand with Catherine Agopcan
44:15

At some point or another we've all said to ourselves "I have way too much STUFF!". If you haven't yet, consider yourself ahead of the game as we discuss sustainability and financial literacy with this week's guest, personal financial educator and sustainability advocate Catherine Agopcan. After much trial and error, she arrived at the conclusion that too much stuff was bad for the wallet and the planet. She is now on a mission to show others that caring for the environment and seeking financial independence go hand-in-hand.

She is the founder of Sisters for Financial Independence and The Do Something Project, which provides resources to empower women to start owning their finances in pursuit of financial independence. The Do Something Project is dedicated to a well-lived life full of adventure and good health by following the tenets of minimalism and eco-friendly living.

In this episode we discuss:

  • The switch from believing money is bad & not in line with minimalism to viewing money in a positive way
  • Why Zero waste is not possible but we should still attempt it
  • How looking out for the planet helps our financial pursuits
  • Small steps we can start today to be more responsible with the way we consume, live, and invest
  • Why you should choose hobbies and pursue interests to help build your skill set
  • The hard truths of minimalism and decluttering

 

This episode is sponsored by the Financial B.O.S.S. toolkit: 

The Financial B.O.S.S. Toolkit is jam-packed with e-books and video courses to help you with credit, saving, budgeting, investing and more! The Financial B.O.S.S. Toolkit brings together 20 products worth over $1500 to help level up your finances, for a limited-time investment of $197. Get started with the Financial B.O.S.S. toolkit here

Other related blog posts/links mentioned in this episode:

B Corp - certifying companies meeting environmental, social, transparent and accountability standards like Patagonia

ESG (Environmental, Social, Governance) - I personally use Fidelity and here's how they use ESG for their funds.

BankLocal - Find a local bank that reinvests in the community

More info on Zero Waste

Other options for local investing via Locavesting

Swell Investing - investing in companies solving today's problems with thematic portfolios on Clean Water, Zero Waste, Renewable Energy, etc.

Join The Weekly Newsletter List

Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12  Watch my latest segments on News12

My One on One Money Coaching Services – Get my personalized 1on1 money coaching expertise to help you reach your financial goals

YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

 

Connect with Catherine:

http://www.thedosomethingproject.com

http://www.sistersforfi.com

Instagram: @thedosomethingprjct

Facebook: The Do Something Project

Twitter: @cagopcan

 

Connect with me:

Instagram: @journeytolaunch

Twitter: @JourneyToLaunch

Facebook: Journey To Launch

Join the private Facebook Group

Nov 21, 2018
071- The Business of Money with Farnoosh Torabi
55:04

The road to financial literacy can be a daunting journey, especially when you're 22 years old, $30,000 in debt, and making $18 an hour while living in the most expensive city in America (NYC). This is where this week's guest Farnoosh Torabi found herself before becoming one of the leading personal finance authorities hooked on helping young professionals navigate their finances and live their richest, happiest lives.

From her early days reporting for Money Magazine to hosting a prime-time series on CNBC and writing monthly for O, The Oprah Magazine and Mint.com, she’s become a favorite go-to money expert.

In this episode we discuss:

  • How she ended up choosing to go into the money business
  • Her long-standing career in personal finance
  • The common themes and issues that she’s seen in finances over the years
  • Her thoughts on the FIRE movement
  • Why you should choose hobbies and pursue interests to help build your skill set
  • Why she’s also now dabbling in comedy

Other related blog posts/links mentioned in this episode:

Get a copy of Farnoosh's most recent book - When She Makes More 

Listen to my episode on the So Money Podcast 

Join The Weekly Newsletter List

Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12  Watch my latest segments on News12

My One on One Money Coaching Services – Get my personalized 1on1 money coaching expertise to help you reach your financial goals

YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

 

Connect with Farnoosh:

www.farnoosh.tv

Listen to the So Money Podcast

Instagram: @Farnoosh Torabi

Facebook: Farnoosh Torabi

Twitter: @farnoosh

 

Connect with me:

Instagram: @journeytolaunch

Twitter: @JourneyToLaunch

Facebook: Journey To Launch

Join the private Facebook Group

Nov 14, 2018
070- Tiny Home Living w/ Jewel Pearson & Why You Don’t Have To Give Up Luxury To Go Tiny
01:02:03

Simplicity and the concept of ‘less is more’ can be beneficial in much more than finance. The new tiny home movement has proved to be a great new option for a lot of families that are looking to live a simpler, more abundant life. This week’s guest, Jewel Pearson, is not only a tiny homeowner but she is also an advocate and community leader that shares her tiny living experiences and assists others in achieving their tiny living dreams.

Over the course of a decade, Jewel worked toward downsizing her life and in 2015 she built the tiny home of her dreams in Charlotte, North Carolina. Her 360 sq ft home has been featured on HGTV’s shows “Tiny House, Big Living” and “How Are They Now” and has been featured in several other media outlets. As a proud supporter of tiny living and the simpler lifestyle that it offers, she provides support through her consulting services and workshops that she teaches around the country. Jewel has also founded the Tiny House Trailblazers; a duo collaboration of powerful and uniquely talented women of color who together are a strong representation and voice for diversity and inclusion within the tiny house movement.

In this episode we discuss:

  • Why everyone should redefine or rather choose for themselves what tiny living means
  • The misconception some people have that living in a tiny home means you sacrifice quality, luxury, and design & why tiny living does not mean “small living”
  • How downsizing and living this life helped Jewel to live her life fully and abundantly
  • What Jewel’s life was like before the tiny home and what prompted the change
  • The mental and physical steps it took to actually make the changes she needed to move into her home
  • Tiny living with a family
  • How to start the tiny living process
  • Jewel’s mission to bring the tiny home movement to more people of color and some of the racism she has experienced in the community
  • The different tiny home options
  • Factors to consider in making the transition to tiny home living
  • Range in cost for tiny homes?
  • Jewel’s thoughts on the FIRE (Financially Independent, Retire Early) movement

 

Other related blog posts/links mentioned in this episode:

Tiny House Communities Info

Tour of Jewel's Tiny House-(more updated pics available on social media sites)

Join The Weekly Newsletter List

Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12  Watch my latest segments on News12

My One on One Money Coaching Services – Get my personalized 1on1 money coaching expertise to help you reach your financial goals

YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

 

Connect with Jewel:

Ms. Gypsy Soul

Instagram: @msgypsysoul1

Facebook: Ms. Gypsy Soul

Twitter: @msgypsysoul

 

Connect with the Tiny House Trailblazers:

Tiny House Trailblazers

Instagram: @tinyhousetrailblazers

Facebook: Tiny House Trailblazers

Twitter: @tinyhousetrailblazers

 

Connect with me:

Instagram: @journeytolaunch

Twitter: @JourneyToLaunch

Facebook: Journey To Launch

Join the private Facebook Group

Nov 07, 2018
069- Single Mom Takiia's Amazing Story: How She Went From $100,000 in Debt to $500,000 in Savings
58:20

Getting rid of six-figure debt is no easy feat but Takiia Anderson, the voice behind The Frugal Biddy, is proof that it can be done. After graduating from law school, Takiia had accrued more than $150,000 of debt. As the single mother of a 2-year-old little girl making only $34,000 a year, she knew that something had to change.

Takiia went on to save over $500,000 and pay for her daughter’s college education at the prestigious Spelman College. She shares all of her tips, tricks, and personal finance advice on her blog, The Frugal Bitty.

In this episode we discuss:

  • The overall steps Takiia took to go from debt to having a large savings today
  • The things that she gave up to pay off her student loan debt
  • Her decision to save for her daughter's college costs while still being in debt
  • Takiia’s plan for investing when she first opened her daughter's college saving account
  • Why she stopped investing in retirement to save for her daughter's college education
  • The money lessons that she taught her daughter
  • Passing on generational wealth and not generational debt

 

Other related blog posts/links mentioned in this episode:

Single Mom Masterminds 700,000 Swing From Debt to Savings 

Frugal Biddy- Pass on Generational Wealth Not Generational Debt 

Fugal Biddy-  Mental Health Savings Plan 

Search for jobs as a contract attorney  Indeed

Join The Weekly Newsletter List

Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12  Watch my latest segments on News12

My One on One Money Coaching Services – Get my personalized 1on1 money coaching expertise to help you reach your financial goals

YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

 

Connect with Takiia:

The Frugal Biddy

Instagram: @thefrugalbiddy

Facebook: The Frugal Biddy

Twitter: @bitty_the

 

 

Connect with me:

Instagram: @journeytolaunch

Twitter: @JourneyToLaunch

Facebook: Journey To Launch

Join the private Facebook Group

 

Oct 31, 2018
068- A Modern Woman's Guide to a Wealthy Life w/ Brynne Conroy
44:03

While reaching FI and building wealth could be a challenge for anyone, there may be certain factors that create different challenges for women on their journey than men. This week’s guest, Brynne Conroy, is the creator of the twice-nominated Best Women's Finance Blog, Femme Frugality and she is a huge proponent of overcoming the obstacles that women face while trying to reach their financial goals.

In her brand new book, The Feminist Financial Handbook, Brynne presents a feminist view on finances relevant to a post-Recession economy that caters to women at any point on their financial journey.

Also, check out how you can win a copy of Brynne's book, The Feminist Financial Handbook here

In this episode we discuss:

  • Brynne’s passion for the feminist side of finances
  • The factors make women reaching FI different from men reaching FI
  • How society's standards and expectation "hurt" women on this journey
  • The different judgments and factors in being the modern day woman that has it all
  • The concept of money not being the end goal or what really makes you happy
  • How one can find their contentment level or peak money happiness and why it's so important to find
  • How to find meaningful work now while on the journey to getting it together and reaching our goals
  • The importance of men hearing the feminist financial message
  • Overall tips for women who are on this path of Financial Freedom to succeed

Other related blog posts/links mentioned in this episode:

Get a copy of Brynne’s book - The Financial Feminist Handbook

Carol Graham & her findings on Happiness 

Helene Massicotte - Free To Pursue

Join The Weekly Newsletter List

Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12  Watch my latest segments on News12

My One on One Money Coaching Services – Get my personalized 1on1 money coaching expertise to help you reach your financial goals

YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with Brynne:

Femme Frugality

Instagram: @femmefrugality

Facebook: Femme Frugality

Twitter: @femmefrugality

Pinterest: Femme Frugality

 

Connect with me:

Instagram: @journeytolaunch

Twitter: @JourneyToLaunch

Facebook: Journey To Launch

Join the private Facebook Group

Oct 24, 2018
067-Listener Q&A: Paying off $100,000 student loan or investing, handling daycare expenses, preparing for a big career change and more
44:12

(This post may include some affiliate links)

Trying to manage all of your expenses, eliminate debt, and invest, all while pursuing Financial Independence can be quite tricky. For this week’s episode, I am having another listener Q & A where I answer questions to help you on your Financial Freedom journey.

In this episode I answer the following:

  • Should I focus on paying off $100,000 student loan debt even though I’m in the Public Service Loan Forgiveness (PSLF) program or invest?
  • Investing in pre-tax retirement accounts like a 401K, 457 or 403B plan vs a Roth IRA
  • How to handle $1,200 a month daycare expenses on the journey to Financial Independence?
  • Things to consider when making a big career change. Should you focus on investing more, paying off the house or saving more cash?
  • How to determine if it makes sense to take legal action against a company to win money in a lawsuit?

At the end of the episode, I also share why I believe that you should never compare your journey to anyone else's.

Other related blog posts/links mentioned in this episode:

Connect with me:

Oct 17, 2018
066-Build Extraordinary Wealth & Become a Millionaire w/ Chris Hogan
44:56

(This post may include some affiliate links)

This week’s episode was recorded at FinCon, the world’s largest financial content expo that brings together more than 2,000 digital content creators/influencers and brands in personal finance and investing. I was very excited to attend my 2nd FinCon and I am happy to say that I had another great experience. I got to hang out with fellow money nerds, past guests and even some Journeyers who listen to the podcast.

While I was there, I had the chance to speak with Chris Hogan, a financial speaker for Dave Ramsey’s Ramsey Solutions. As a former football player and business consultant, Chris found his passion in finance after he took a strong interest in the financial crises of his clients.  Chris is a dynamic speaker that speaks on financial subjects such as mortgages, healthcare and investing. It was great to be able to hear his ideas on building wealth and achieving financial goals.

(Pre-order Chris' new book, Everyday Millionaires and get all the bonuses that Chris mentions in the episode here)

In this episode we discuss:

  • How a background in sports and coaching helped mold his winning mindset
  • Why becoming a millionaire all starts with belief
  • The qualities of everyday millionaires
  • The 5 things millionaires embody, have and do
  • The myths of the wealthy and demystifying millionaires
  • The important distinction between a million in  income and a million in net-worth
  • How fear and apathy keep people stuck from reaching their goals
  • My experience at FinCon, networking tips and how to get the most out of conferences. Plus the growth I’ve seen since the last FinCon

Other related blog posts/links mentioned in this episode:

  • Pre-order Chris' new book, Everyday Millionaires and get all the bonuses that Chris mentions in the episode here
  • Join The Weekly Newsletter List
  • Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!
  • Watch me on News12  Watch my latest segments on News12
  • My One on One Money Coaching Services – Get my personalized 1on1 money coaching expertise to help you reach your financial goals
  • YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with Chris:

Connect with me:

 

Oct 10, 2018
065-Spark Joy and Abundance in Your Life Using the KonMari Method w/ Kristyn Ivey
47:17

Consumerism and the desire to accumulate 'things' can be one of the greatest threats to achieving Financial Independence. One of the best ways to combat this and the clutter that results is to lead a more organized lifestyle that is fueled by the things that bring you joy. This is the main principle behind the KonMari™ organization method.

This week, I am speaking with Kristyn Ivey, the founder of For the Love of Tidy and Chicago’s first certified KonMari™ consultant. Kristyn is also on the journey to FI and she has made several interesting connections between tidiness and personal finance.  With a background in both engineering and interior design, Kristyn has made it her mission to teach families and professionals how to let go of “stuff” to attract a truly abundant life.

In this episode we discuss:

  • How becoming more organized and tidy can lead someone to focus and find their passion and pursue big changes in their lives
  • The finance/organizing connection
  • The KonMari method and the art of tidying up
  • Finding Freedom through KonMari
  • Using the concept of “what sparks joy” to our budgets and therefore prioritize what and how we spend/save
  • The relationship of clutter and spending more on rent/mortgage
  • Incorporating tidy habits for those that are not naturally tidy
  • Kristyn’s FI journey
  • Other tidiness and organization tips

Other related blog posts/links mentioned in this episode:

Connect with Kristyn:

Connect with me:

Oct 03, 2018
064- Your Guide to Becoming a Minimalist & Simplifying Your Finances w/ Joshua Becker
49:14

Minimalism, the practice of simplifying your life by living with fewer possessions, is a lifestyle choice that fits perfectly within the journey to Financial Independence. The concept of "quality over quantity" and "less equals more" allows you to spend and consume in ways that are in alignment with your life and financial goals. 

This week’s guest is Joshua Becker, a best-selling author and the Founder and Editor of Becoming Minimalist. Joshua has become one of the leading voices in the modern simplicity movement reaching over 1 million readers every month. Through the use of his platform, Joshua inspires others to pursue their greatest passions by owning fewer possessions.

In this episode we discuss:

  • Joshua’s epiphany moment of clearing out his garage
  • How he began to make the necessary adjustments to his life
  • How owning less stuff leads to more time, more energy, more freedom, etc.
  • The differences in decluttering, organizing, de-owning, simplifying
  • The importance of de-owning
  • How to simplify your time (let go of overwhelm)
  • How to implement being a minimalist if you have children
  • How thoughtful consumption and consumerism with the idea of owning less and the FIRE movement go hand in hand

Sign up for Joshua's new quarterly magazine Simple Money here

Other related blog posts/links mentioned in this episode:

Connect with Joshua:

Connect with me:

Sep 26, 2018
063- Journeyer Profile - Lynn Amores How a Massive Stroke Almost Derailed Her Journey To Financial Independence
36:43

The journey to Financial Independence can be a tough one that is full of ebbs and flows. I believe that it is so important that we share our stories to inspire others that may be experiencing some of the same challenges that we have. That is why I have started the Journeyer Profile Series where I'm talking to my listeners and the people in my community about their path to FI.

In this week’s episode, I’m speaking with Lynn who suffered a massive stroke at age 43 that almost completely derailed her journey to FI and she has an amazing story to share. Take a look at Lynn’s Journeyer Profile below.

If you would like to be considered to be a journeyer for the Journeyer Profile Series go to www.journeytolaunch.com/journeyerprofile

 

Other related blog posts/links mentioned in this episode:

Connect with Lynn:

Connect with me:

 

Sep 19, 2018
062- How Allison & Matt Left Their Jobs Behind To Travel the USA in a Van
50:50

Financial Freedom takes on several different forms and for today’s guests, Matt and Alli Owen, it means taking a mini-retirement and traveling the US in their red Sprinter Van, Clifford. Burnt out and struggling with depression and anxiety from living the traditional 9 to 5 lifestyle, the Owens decided to walk away from their 6-figure jobs and live life on their own terms.

After saving 70% of their income over the course of 4 years, Matt and Alli were able to create the lifestyle that they truly enjoy. Today, Matt and Alli share their experiences on their journey to FI on Owen Your Future, their finance and personal development blog.

In this episode we discuss:

  • Life before the van life
  • Matt and Alli’s careers
  • Walking away from 6 figure incomes
  • How living the 9-5 life left them feeling stuck and led to anxiety and depression
  • How the Owens prepared financially
  • How they saved 70% of income over 4 years
  • Finding the courage to make such a big life change
  • Why they chose Sprinter Van over a Camper or Tiny House or RV and the cost to buy the van and fix it up
  • Resources for people that may want to fix a van to live a similar lifestyle
  • Their monthly expenses
  • The Owens’ future lifestyle plans
  • Valuing experiences over things

At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018.

Also, Journey To Launch was nominated at the 9th Annual Plutus Awards for Podcast of the Year & the Community Builder Award!

Other related blog posts/links mentioned in this episode:

Connect with The Owens:

Connect with me:

Sep 12, 2018
061- I QUIT My Job: Why & How I Quit My 6-Figure Job & How This Affects My Journey To Financial Independence
45:59

When I first started Journey To Launch, it was primarily to chronicle my journey to launch to Financial Independence. I had no way of knowing then, that today, this very same outlet that helps me share my journey and connect with so many people would cause the biggest detour on my Financial Independence path.

Being able to do something I love and potentially make a living from it has allowed me to reach my dream of freedom way earlier than I could have ever expected. While striving to reach the ultimate goal of financial independence, I’ve found a way to achieve a freedom today that I would not have otherwise have known.

On today’s podcast, I’m talking about:

  • How I came to the decision to quit my 6-figure job
  • Why I decided now was the best time to walk away
  • How this changes my Financial Independence journey
  • The financial, mental & emotional things I did to prepare for this big life change
  • Future plans for me and Journey To Launch

At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018.

 

Other related blog posts/links mentioned in this episode:

 

Sep 05, 2018
060- How 22-Year-Old Cody Berman is Making His Way Towards Financial Independence
44:57

As parents, the financial example that we set for our children can have a profound impact on their financial future into adulthood. Cody is the personal finance blogger behind Fly to FI and he is going against the grain and making his way towards Financial Independence as a young adult. Growing up, Cody’s parents taught him to live a lifestyle of frugality and to value saving which gave him a great head start for the future.

As a high school student, Cody quickly grew to understand the value of education. He became one of the top students in his High School graduating class and he even earned college credits. He then went on to college and he pursued a degree in finance. Upon discovering The 4-Hour Workweek by Tim Ferris, Cody’s dreams to spend his life working a fast-paced finance career that would require working long hours began to change. Today, Cody is the proud owner of a disc golf company and he shares all of his financial beliefs and ideas on his blog, Fly to FI. As a young entrepreneur and blogger, Cody has made it his mission is to improve financial literacy and change the world for the better.

In this episode we discuss:

  • The things that Cody’s parents did to give him a head start
  • What Cody did in high school to put himself ahead in your college classes and not needing college loans.
  • Cody’s full-time work and current side hustles
  • His current saving/investing strategy
  • Using side hustles and real estate as a means to fund your lifestyle and work your way to your FI goal.
  • Why Cody made that decision to forgo working vs leaving early and hustling in the near term
  • What gave him this confidence and know how to even attempt achieving FI
  • Cody’s advice for parents who want to instill these lessons for their kids

At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018.

Other related blog posts/links mentioned in this episode:

Connect with Cody:

Connect with me:

 

Aug 29, 2018
059-Exploring the Personal Finance Crisis w/ Elizabeth White Who Was 55 & Faking Normal
58:03

Ideally, retirement is the event that allows for working men and women to shift their working lifestyle to a lifestyle of relaxation and enjoyment. The truth of the matter is that so many Americans, nearly one-third of those aged 55-64, have little to no savings and are unable to support themselves during their time of unemployment. Even with the median retirement account valued at more than $100,000, this is still not enough to maintain the living expenses of a person living the average lifespan of 80 years. Elizabeth White, an author and aging solutions advocate, shares this experience in hardship and has made it her mission to educate the world on the personal finance crisis.

Two years ago, Ms. White wrote an online essay that depicted the financial plight of boomer-aged Americans and her story resonated with so many. The overwhelming response to the essay led her to write her book, Fifty-five, Unemployed, and Faking Normal, which tells the story of the millions of older Americans who, despite a history of career choice and decent incomes, are facing the prospect of downward mobility in old age. Today, Ms. White has sparked a national conversation, has delivered an impactful TED Talk and has been recognized as one of the Top 50 influencers on aging.

In this episode we discuss:

  • Ms. White’s story and her famous TEDx Talk
  • Her financial mistakes and lessons learned
  • The individual isolated behavior vs systematic factors that have led us to this point of the retirement crisis.  (The 7.7 trillion retirement GAP)
  • The 3-legged retirement income stool- (the savings, pension and social security) and why it is so wobbly/broken
  • Advice for older adults reaching retirement and advice for younger adults
  • Resilient circles and how people can form them in their lives
  • The concept of ‘Smalling-up’
  • What it means to have a richly textured life
  • The changes Ms. White would have made her to habits and choices pre-retirement
  • Her thoughts on the FIRE movement

 

At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018.

Other related blog posts/links mentioned in this episode:

Connect with Elizabeth:

Connect with me:

Aug 22, 2018
058- How To Live a Luxurious Life Without Sacrificing Your Financial Goals w/ Luxe Strategist
51:26

Being on the journey to Financial Independence doesn’t always mean that you have to sacrifice the finer things in life. The Luxe Strategist, a personal finance blogger, is a 30-something New Yorker that saves half of her income and still enjoys the comfort of luxury items and deluxe travel.

Growing up as the child of low-income refugees, The Luxe Strategist knew struggle and hardship all too well. As an adult, she made the decision to paint her own picture of what it means to be financially savvy and successful. Today, The Luxe Strategist proudly boasts hefty savings, trips to places like Paris and Hawaii, sporting $400 sneakers, and she shares every bit of her personal finance journey on her blog, The Luxe Strategist.

In this episode we discuss:

  • What motivated her personal finance journey.
  • Her love for and "luxury"/nice things?
  • Having nice things and still being financially responsible
  • How to evaluate making luxury purchases
  • What puts her in the position to be able to make luxury purchases
  • How The Luxe Strategist resells clothes for extra income and how you can get started.
  • How she saved half of her income on less than 6-figures
  • How to find the threshold for saving as much as you can until it hurts (using paycheckcity and other methods)
  • How The Luxe Strategist saves money in an HCOL
  • Whether or not FI is a goal for her

Check out the sponsor for this episode, YNAB and sign up for a free 2-month trial!

At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018.

Other related blog posts/links mentioned in this episode:

Connect with The Luxe Strategist:

Connect with me:

Aug 15, 2018
057- Money Lessons from 4x Olympian Lauryn Williams
47:21

Finding the perfect resource for sound financial advice can be a challenge for people from all walks of life. 4-time Olympian, 3-time Olympic medalist, Lauryn Williams understands this challenge completely. As the first American woman to medal in both the summer and winter games, she possessed the skills that led her to be a top class world class athlete but she didn't always know how to manage her money and made some mistakes along the way. She sought the financial advice of loved ones and financial advisors but they were unable to provide the help that she needed.

In true Olympian fashion, Lauryn took matters into her own hands and worked hard to gain control of her finances. Using the skills and knowledge that she gained from earning her Finance degree and MBA, Lauryn decided to use her talents to help other athletes and young professionals.

Today, Lauryn has a Certified Financial Planning certification and has founded Worth Winning, a financial planning resource for young adults. Worth Winning offers virtual services to help young professionals get the answers to the financial questions that matter most to them.

This episode was recorded live at Podcast Movement 2018. At the end of the podcast, I give you a little of the behind-the-scenes of how I ended up speaking at Podcast Movement 2018 and my overall experience at the conference.

In this episode we discuss:

  • Lauryn’s background
  • How she became an Olympian at 20 years old
  • Her not so good experience working with financial advisors in her pro athlete career
  • The steps she took to get back in control of her finances
  • Why she decided to start her own financial planning firm plus so much more

At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018.

Other related blog posts/links mentioned in this episode:

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Aug 08, 2018
056- Create Your Own Rich Journey To Financial Freedom w/ Amon & Christina Browning
42:34

Talking about money can sometimes seem taboo, but not to Amon and Christina Browning. On their YouTube Channel, Our Rich Journey, they cover everything from earning to investing with the sole purpose of demystifying the concept of money to get everyone talking about it.

They joined the FI community to expand their knowledge of money and how it can work for them. On Our Rich Journey, they share their money successes and mistakes with their viewers to inspire others to become creative on their journey to Financial Freedom. Today, Amon and Christina currently work and live abroad in Japan with their two little girls and they travel around the world for practically nothing–mortgage-free.

In this episode we discuss:

  • Why the Brownings decided to pursue Financial Independence
  • Their current financial picture and financial goals
  • Why they prioritize traveling and how they work it into their budget
  • Travel hacking tips
  • How they lived rent free and mortgage free for 10 years
  • Finding work abroad
  • Quick ways anyone can make extra money
  • When the Brownings will reach FI and their future life and financial goals

At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018.

Other related blog posts/links mentioned in this episode:

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Aug 01, 2018
055-The 1-Year Anniversary Episode!
23:49

I am super excited because today we are celebrating the one year anniversary of the Journey To Launch Podcast! For the past year, I have been able to share my thoughts, advice and feature amazing financial experts all to help you eliminate debt, save more money and increase your net worth. Your support truly means the world.

What better way to celebrate Journey To Launch’s 1-year anniversary than by discussing episode favorites with a few Journeyers? In this episode, I take a few call-ins from special Journeyers who share what their favorite episodes are and why.

I talked about the most popular/downloaded so far:

Episode 41-How To Change Your Mindset, Habits & Beliefs To Reach Your Financial Goals w/ Jim Fortin

Episode 48- From Unemployed and Broke to a Millionaire in 5 years w/ Grant Sabatier

Episode 19- The Pillars of FI & How you can Reach Financial Independence

 

I love all of my episodes but here are just a few of my favorites:

Episode 47 -Sylvia's Journey To Paying Off 6 Figures of Law School Debt & Becoming Financially Independent

Episode 6- Improve Your Mindset & Stay Focused on Your Financial Journey

Episode 20- A Money Chat With My Husband + The Budget Boot Camp

 

Special thanks for the Journeyers who called in to leave a voicemail- Nassema, Jocelyn, Courtney, Heitor, Lynn & Esperenza.

 

At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018.

Nominate me as Podcast of the Year, Best FIRE Podcast & Community Builder at the 9th Annual Plutus Awards. Just enter in my website www.journeytolaunch.com to nominate me in the following categories at the 9th Annual Plutus Awards; Podcast of the Year, Best FIRE Podcast & Community Builder. Nominate me here.

 

Other related blog posts/links mentioned in this episode:

 

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Jul 25, 2018
054- How To Take Mini-Retirements & Enjoy Life Now w/ Carl Seidman
58:13

Generally, the goal for most working Americans is to work with a company for several years and eventually retire to enjoy life and explore opportunities that you may not have while working full-time. Today's guest, Carl Seidman explains the concept of  ‘mini-retirements’.

A mini-retirement is a lengthy break, months to years, from the normal course of everyday work life intended for personal development and creating new experiences. Carl’s ideas, much like the FIRE movement, challenge the traditional view of retirement and more importantly, his ideas challenge the way that we view career development.

In this episode we discuss:

  • The concepts of mini-retirements
  • Carl’s first retirement at 32
  • Carl’s blog post "Does a college degree matter"
  • The Mexican Fisherman story
  • How to fund mini-retirements and still fund your long-term retirement
  • The structure and planning involved in Carl’s mini-retirements
  • Things to consider before planning a mini-retirement
  • Carl’s goals
  • Carl’s thoughts on the FIRE community and early retirement

At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018.

Nominate me as Podcast of the Year, Best FIRE Podcast & Community Builder at the 9th Annual Plutus Awards. Just enter in my website www.journeytolaunch.com to nominate me in the following categories at the 9th Annual Plutus Awards; Podcast of the Year, Best FIRE Podcast & Community Builder. Nominate me here

Other related blog posts/links mentioned in this episode:

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Jul 18, 2018
053- The What, Why & How of The Financial Independence Retire Early (FIRE) Movement
45:07

For most people in the Financial Independence Retire Early (FIRE) community, retiring early is less about never working again and more about having the options and freedom to live the life of your dreams without being dependent on a paycheck. The FIRE movement paints a different picture of retirement and it is one of the reasons that I made reaching FIRE one of my biggest life goals.

In this solo episode, I’m explaining the What, Why & How of the FIRE movement. What it actually is, Why everyone should be on the journey to Financial Independence and How to achieve it.

In this episode I discuss:

  • What FIRE means
  • How I first discovered it and what first attracted me to the movement
  • What FI (Financial Independence) means
  • What RE (Retiring Early) means
  • Why FIRE?
  • Why everyone should be on the path to FIRE
  • How it gives you more options & happiness
  • The How of FIRE
  • How to reach Financial Independence
  • The formula (increasing income, decreasing expenses and creating good habits)
  • Improving your mindset
  • Celebrating your wins and enjoying the journey

At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018.

Nominate me as Podcast of the Year, Best FIRE Podcast & Community Builder at the 9th Annual Plutus Awards. Just enter in my website www.journeytolaunch.com to nominate me in the following categories at the 9th Annual Plutus Awards; Podcast of the Year, Best FIRE Podcast & Community Builder. Nominate me here

Other related blog posts/links mentioned in this episode:

Mad Fientist Podcast

Radical Personal Finance Podcast Stock Market Crash Investment

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Jul 11, 2018
052: Finding Adventure and Happiness on Your Journey to Financial Independence w/ Tanja from Our Next Life
57:08

One of the best things about the journey to Financial Independence is that while planning for early retirement, it is not always a requirement to forsake your other life goals. Tanja Hester, the blogger behind the Plutus Award-winning early retirement blog, Our Next Life, set out on the journey with her husband Mark to retire at the end of 2017.

Our Next Life, places a huge focus on putting life goals first and then building money goals around them–not the other way around. In fact, Tanja Hester became financially independent at the age of 36 and retired early at the age of 38, all despite never being a super saver or even naturally good with money. Tanja has graced the show with very practical advice for all journeyers at any place on the path to FI. 

In this episode we discuss:

  • What caused her to start the path and how she managed to keep it a secret from her job
  • What retirement actually means to her
  • Health considerations for someone looking to retire early
  • Tanja’s blog post, "What FIRE bloggers owe their readers"
  • Practical advice for people who want to start or who are on this path
  • Advice for high earners vs mid-low earners

At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018.

Other related blog posts/links mentioned in this episode:

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Jul 04, 2018
051- Listener Q&A: Getting Over Analysis Paralysis, Can You Still Retire Early If You've Started Saving Late, Should You Hire A Financial Advisor Plus More
46:25

The road to Financial Independence is one that is full of different variables and it can sometimes bring uncertainty. Let’s be honest–finding the right balance between budgeting, saving, and investing can be a little overwhelming. With so much information floating around, I am super excited to be able to answer several of your questions about retirement, investments, and all things personal finance.

In this Q&A Episode, I give insight into:

  • How do employer contributions for 401K work?
  • How do you get over the fear of action or the fear of getting it all wrong?
  • When is the right time to get a financial advisor? Building off this, how do you evaluate the value of "do it yourself" versus hiring a professional?
  • How do I break the cycle of spending non-budgeted money? How to incorporate family expenses into your budget when you are trying to save but also provide experiences? Ex. Scouts, swimming, ballet, gym, etc.
  • Is it possible to achieve FIRE by 57-60 if you’re behind in retirement savings in your mid-40s?
  • What things should you consider before purchasing a home?
  • How do you cut down on expenses with a fixed income?

If you want to submit questions for the next Q&A episode, email me at jamila@journeytolaunch.com or leave me a voicemail with your question at journeytolaunch.com/voicemail.

At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018.

 

Other related blog posts/links mentioned in this episode:

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Jun 27, 2018
050- Demystifying Your Finances and Creating a Financial Plan w/ Shannah Game
42:22

It was such a pleasure to be able to sit down and discuss financial planning with my new money friend, Shannah Compton Game. Shannah is a CERTIFIED FINANCIAL PLANNER™ professional with an MBA and an award-winning financial strategist on a mission to revolutionize how millennials think, act, and feel about their finances. Her interest in business and budgeting sparked when she started her first business in college, a national student film festival, at only 19.

After selling her business 5 years later, Shannah became a CFP and worked at her father’s firm where she learned everything that she needed to know to open her own firm. Today, Shannah is the host of the very popular personal finance podcast, Your Millennial Money, where she tackles all your burning money questions, with topics like Managing Money as a Couple, Mastering Your Budget, How to Ignite Your Savings, Dealing with Student Loans, Building Your Career, Investing, Entrepreneur Stories, Millennial Travel Spots, Music and more

In this episode we discuss:

  • How Shannah became a Certified Financial Planner
  • The one big money mistake that most people make
  • Why we should start talking about money more
  • How to start a financial plan and what factors to consider
  • Mistakes to avoid when developing a financial plan
  • Managing financial mishaps and insecurities that stem from your money story
  • Shannah’s financial mistakes and lessons learned

Other related blog posts/links mentioned in this episode:

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Jun 20, 2018
049- Bravely Tackle Debt & Take Control of Your Finances w/ Kara Perez
40:15

Bringing in as much income as possible in order to reach your financial goals is key but that doesn't mean you can't get ahead if you don't make a lot of money. Kara Perez, the creator of Bravely Go, is living proof that is living proof that as long as you're willing to put the work in, achieving your financial goals with a low income is completely possible. After taking on more than $25,000 in student loan debt, Kara, extremely unhappy with her situation, started to research ways to quickly pay off her debt.

After becoming inspired by personal finance blogs such as Frugalwoods, Kara paid off $25,302 in loans on a salary of less than $30,000, the final $18,000 in just ten months. After becoming debt free in June 2015, Kara created Bravely to help other women take control of their financial lives.

In this episode we discuss:

  • How a simple Google search inspired her to pay off $18,000 in student loan debt in 10 months
  • How paying off her debt deepened her relationship with others
  • How her personal finance blog, Bravely Go, came to fruition
  • Why women have become her target audience
  • Kara’s 10 financial commandments for women
  • The significance of value-based spending and spending on the things that you love
  • Kara’s next financial and life goals

At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018.

Other related blog posts/links mentioned in this episode:

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Jun 13, 2018
048- From Unemployed and Broke to a Millionaire in 5 years w/ Grant Sabatier
48:59

There is an art to making money and developing your side hustle muscle and Grant Sabatier from Millennial Money is definitely an expert. As a 24-year-old unemployed college grad living at home with his parents with less than $3 to his name, Grant became determined to find success and reach major financial goals. He set out on a self-taught journey to learn Google AdWords as a result of a simple Google Search. While working at a Digital Ad Agency, Grant acquired the knowledge and connections necessary to build a side hustle that allowed him to leave his 9 to 5 and allowed him to reach Financial Independence within 5 years.

Today, Grant is now Financially Independent and he had used his knowledge of making money to create a blog and podcast that is dedicated the helping others build a successful business and become Financially Free. 

In this episode we discuss:

  • How Grant Used Google AdWords to build a successful future
  • What Helped Grant to Stay Focused on his Financial Independence Goals
  • How Reaching Financial Independence Transformed His Life
  • Why Grant Started Millennial Money
  • Why Focusing on the Present Provides More Balance on the FI Journey
  • Tips to Help Propel Journeyers in their FI Journey
  • The Mindset Shift Required to Find a Side-Hustle and Create More Income
  • The Importance of Mentors and Connections
  • The Factors of Becoming Successful in Making Money

At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018.

Other related blog posts/links mentioned in this episode:

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Jun 06, 2018
047- Sylvia's Journey To Paying Off 6 Figures of Law School Debt & Becoming Financially Independent
51:38

Sylvia accrued six-figures of debt from law school and her life was greatly impacted by Hurricane Katrina while living in Louisiana. With discipline, determination, and the help of financial books such as Your Money or Your Life, Sylvia made the decision to take control of her personal finances. She took on a side-gig as a pizza delivery driver to bring in an extra $2,000 a month and adopted a frugal lifestyle to aggressively tackle her debt. Today, Sylvia has paid down a majority of her student loan debt, owns her own law firm, and is about 3 years away from Financial Independence.

In this episode we discuss:

  • Sylvia’s story of how she accrued six-figures in debt
  • How she used a side-gig and a plan to pay off her student loans
  • How she managed her finances and saved without an actual budget
  • Why she continued to invest with a significant amount of debt
  • Her big move to Seattle
  • Her plans after retirement
  • Her current investments
  • The difference between a Real Estate Investment Trust (REIT) and actual real investment
  • How her family has affected her decisions on the journey to financial independence

At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018.

Other related blog posts/links mentioned in this episode:

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May 30, 2018
046- How to Start and Run a Successful Side Hustle w/ Dr. Maria James
43:53

Science and the experimental process have several parallels to the management of our personal finances. Dr. Maria James, also known as the Money Scientist™, spent more than 10 years in Finance while pursuing her degree in Cellular and Molecular Medicine. Now she is applying some of the skills that she had learned in the science world to teaching business owners about finance. 

During her time in college, she maximized her resources and developed side hustles that brought in an extra $10,000. Since moving away from science, she has developed  Pocket of Money and the Pocket of Money podcast to provide financial advice and resources for entrepreneurs and business owners.

In this episode we discuss:

  • How to manage a full-time job and side hustle
  • How to turn a side-hustle into a successful business
  • How science can be applied to money principles
  • Creating protocols to reach your financial goals
  • Tips for managing your side-hustle
  • Outsourcing and automation for productivity
  • How to plan for business expenses and consider the return on your investment
  • The benefits of networking and the proper way to find valuable connections
  • The difference between passive income and earned income
  • Creating Sales Funnels to bring in customers

At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018.

(YNAB, my favorite budgeting app is giving Journeyers a 2-month free trial, no credit card required to try their amazing budgeting system, check it out here!)

Other related blog posts/links mentioned in this episode:

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May 23, 2018
045- Becoming a Financial Grownup w/ Bobbi Rebell: How To Live Your Dreams and Have Financial Freedom
40:26

Success, whether in achieving your financial goals or advancing in your career, comes with tons of hard work, dedication, and sacrifice. Bobbi Rebell, an award-winning TV anchor, personal finance columnist, Certified Financial Planner, Best-selling Author, and now the host of The Financial Grown-Up podcast, is no stranger to all of the above and more.

As a communications major in college, Bobbi made her big break as a financial news TV anchor by making tough decisions and dedicating lots of time and effort. This same focus helped her to author the best-selling self-help/personal finance book “ "How to Be a Financial Grownup: Proven Advice from High Achievers on How to Live Your Dreams and Have Financial Freedom,”.

The book combines unique personal financial stories from inspirational leaders with targeted and relatable advice to help readers take charge of their money. It features stories from big names such as Drew Barrymore, Tony Robbins, and Cynthia Rowley. Bobbi now hosts her podcast, Podcast Financial Grown Up with Bobbi Rebell, which features several amazing guests that share their financial stories, including yours truly.

In this episode we discuss:

  • How Bobbi got started in the finance industry
  • Her book “The Financial Grown Up” and the featured celebrity “grown-up” financial stories
  • Drew Barrymore and Tony Robbin’s stories in ‘The Financial Grown Up’
  • How Bobbi created more time in her schedule as a wife and mother
  • Overcoming Mom-Guilt
  • Her new podcast, Financial Grown Up with Bobbi Rebell
  • Bobbi’s tips for finding deals and discounts for immediate savings and payoff

At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018.

Other related blog posts/links mentioned in this episode:

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May 16, 2018
044-Rewrite Your Money Story & Propel Your Way To Financial Success w/ Jen Hemphill
37:52

For every philosophy, belief, and attitude about money management, there is an underlying money story. Everything from the way that our parents dealt with money to our past financial struggles can have a huge effect on how comfortable we are when it comes to our finances.

Jen Hemphill, a Money Confidence Coach, AFC® (Accredited Financial Counselor) and host of the Her Money Matters Podcast, inspires women from all different walks of life to move beyond their money story and become confident in making sound decisions about their money. In her new book, ‘Her Money Matters’, she provides tips, tricks, and good practices to find your financial confidence and ensure that it stays.

In this episode we discuss:

  • What inspired Jen to teach about the confidence behind finance
  • How a scarcity mentality held her back from her financial goals
  • Managing money expectations with your partner
  • How to cultivate money confidence
  • Ways to increase your financial confidence
  • The importance of financial confidence check-ins
  • How she became confident with money
  • Jen’s Book, ‘Her Money Matters’ and how her tips can help others reach their financial goals
  • Money actions and skills
  • The value of accountability and budgeting
  • Budgeting based on where you are in your journey

At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018.

 

Other related blog posts/links mentioned in this episode:

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May 09, 2018
043- Being Rich & Regular: A Couple's Journey To Reaching Financial Independence
58:54

There a few things more inspirational than hearing about another family’s real-life experience. Kiersten and Julien Saunders, the couple behind the finance blog, Rich and Regular, provide real-life inspiration to other couples and families on the journey to Financial Independence.

As marketing professionals, the Saunders used their income to aggressively eliminate their debt. Over the course of 5 years, they have been able to pay off more than $200,000 of consumer debt. More recently, they have paid off the mortgage on their home and they have added a new addition to the family, 11-month old Baby Bo. As lovers of life and travel, the Saunders are proof that the road to Financial Independence doesn’t have to absent from the simple pleasures of life.

In this episode we discuss:

  • How the Saunders started their FI journey
  • The Steps that they took to save money and eliminate debt
  • How visually mapping out their progress allowed them to stay focused on their financial goals
  • Why they made the decision to pay off their mortgage
  • How becoming parents has affected their FI journey
  • Their goals for achieving financial independence
  • How to manage workplace burnout with marriage and children and use it as motivation
  • The flexibility within achieving financial independence
  • The significance of still living a life you love while saving and preparing for the future
  • Implementing planning days to plan for savings and budgeting
  • The next steps for their blog, Rich and Regular

Check out the sponsor for this episode, YNAB and sign up for a free 2-month trial!

At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018.

May 02, 2018
042- Balancing Pregnancy, Motherhood, a Growing Business & Everything In Between
39:13

Is it possible to "have it all" and still be happy, better yet sane? Join me in today's solo episode where I am discussing how I balancing my pregnancy, motherhood, growing my business and everything in between.

Specifically, I discuss:

  • Being pregnant and attempting to juggle it all
  • The importance of my support system and why you too should build up your relationship currency
  • Becoming a mom of 3 kids and how we plan to save on kid-related expenses
  • Ways in which you can take more control of your life
  • Plans for Journey To Launch while on maternity leave

I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018.

Other related blog posts/links mentioned in this episode:

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Apr 25, 2018
041- How To Change Your Mindset, Habits & Beliefs To Reach Your Financial Goals w/ Jim Fortin
01:01:35

There are many factors to consider on the journey to becoming wealthy but shifting your mindset is by far one of the most important. Several studies show that psychological factors have a tremendous effect on our behaviors, habits, and our ability to adapt to new circumstances.

Jim Fortin, the Subconscious Selling & High-Performance Expert, knows and understands what it means to shift your internal dominant thoughts to manifest the wealthy lifestyle that you desire. As a former foreign exchange day trader that fell on hard times, Jim is no stranger to poverty and the scarcity mindset. After losing nearly $1 million in one night, he sought after knowledge that went beyond motivational teachings such as hypnosis and Neuro-Linguistic Programming (NLP) which highlighted the power of the mind.

Through the inspiration of his brother-in-law, a spiritualist, Jim has adopted the mindset that wealth starts in the mind. This is the premise behind his teachings and the knowledge that he shares with us on the show:

In this episode we discuss:

  • The Be, Do, Have Model
  • How having a scarcity mindset can be counterproductive while building wealth
  • Why Effort does not necessarily make you more money
  • Why your dominant thoughts are directly related to wealth
  • Changing your identity in relation to money
  • The Law of Attraction
  • How happiness relates to abundance
  • How Internal, Mindset Changes can affect your Income
  • Why Gratitude and Giving Helped Jim to Become Wealthy

At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018.

(YNAB, my favorite budgeting app is giving Journeyers a 2-month free trial, no credit card required to try their amazing budgeting system, check it out here!)

 

Other related blog posts/links mentioned in this episode:

Connect with Jim on:

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Apr 18, 2018
040- All About The Health Savings Account (HSA) The Ultimate Retirement and Investment Account W/Jackie Koski
39:41

The Health Savings Account, introduced in the early 2000's, has proved to be the ultimate retirement and investment account–particularly for those on the road to early retirement. Certified Educator in Personal Finance (CEPF®) and Health Saving Account (HSA) expert, Jackie Cummings Koski, joins us on the show to discuss everything from how to obtain an HSA account to how to invest the money that you contribute.

As one of 6 children raised by a single father, Jackie knows firsthand what it means to struggle financially. As a result, she made educating herself about finances and investing her personal mission. From the knowledge that she acquired, she wrote her book “Money Letters 2 My Daughter” as a way to educate her then 14-year-old daughter on what it means to be financially savvy. Today, Jackie has grown her HSA account to more than $100,000 as is on track to retire early in her 40's. 

In this episode we discuss:

  • The definition and benefits of the Health Savings Account (HSA)
  • How to enroll in an insurance plan with an HSA
  • Things to consider when enrolling in an insurance plan
  • When to consider enrolling in a traditional plan vs. a high-deductible plan
  • Annual contribution guidelines
  • How and when to access the money within your HSA
  • Shopping around for the right provider
  • Inheritance of an HSA account
  • The expenses that you can use HSA money for (qualifying reimbursements)
  • Jackie’s early retirement plan

At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018.

(YNAB, my favorite budgeting app is giving Journeyers a 2-month free trial, no credit card required to try their amazing budgeting system, check it out here!)

 

Apr 11, 2018
039- Your Money or Your Life: Transforming Your Relationship with Money and Achieving Financial Independence with Vicki Robin
01:10:06

Vicki Robins, the co-author of the very popular book, “Your Money or Your Life” has been one of the most influential visionaries of the Financial Independence movement.

In the late 1960’s, with the advice of the late Joe Dominguez, Vicki reached Financial Independence and together they began to teach their revolutionary methods all over the nation. Their workshops featured the famous 9 steps to reach Financial Independence and eventually, Vicki and Joe were approached to turn their teachings into the book that we know today, "Your Money or Your Life".

The book went on to be wildly popular, encouraging people to fight against the weight of consumerism and become a New York Times bestseller. Vicki also made two appearances on the Oprah Show with Oprah declaring that the book "would change your life". More than 25 years later, Vicki has written an updated version of the book for a new generation of people on the path to Financial Independence.

I'm so honored to have Vicki on the show to discuss:

  • How Vicki met the late co-author Joe Dominguez and how they worked to create the Financial Independence movement
  • How their book “Your Money or Your Life” came to fruition and became popular.
  • Why Vicki set out to create an updated version of the book
  • The importance of relationships and how they create community wealth
  • Why “freeing your mind” is the cornerstone of Financial Independence
  • The definition of the “Enough Point”
  • How to calculate your life energy and true hourly wage
  • What Vicki believes to be the most transformational steps of the 9 steps from the book
  • How Vicki believes the new version of “Your Money or Your Life” will impact the world in this new age
  • The bigger picture of systemic barriers in the United States that make achieving Financial Independence more difficult

Also, find out how you can be one of 3 Journeyers, to win a free copy of the updated book, "Your Money or Your Life". Click here for your chance to win!

At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018.

(YNAB, my favorite budgeting app is giving Journeyers a 2-month free trial, no credit card required to try their amazing budgeting system, check it out here!)

Other related blog posts/links mentioned in this episode:

Connect with Vicki on:

Connect with me:

Apr 04, 2018
038- How To Optimize Your Taxes and Make The System Work For You w/ Shane Mason
49:45

Shane Mason, CPA/PFS, CPF, is a New York-based accountant, financial planner, and all-around tax wizard that joins the show this week to discuss the one topic that has many Americans baffled: taxes. He specializes in accounting, tax preparation and financial planning services for small and medium business owners, creatives, tech professionals, expatriates and foreign nationals living in the US. Shane and I crossed paths during my search for the assistance of a new tax professional and we are delighted to have his expertise on the show to unravel tax law and what it means for everyone on the journey to Financial Independence.

In this episode, we talk about:

  • Why we have to pay taxes
  • Why you should consider hiring a tax professional
  • How tax refunds work
  • Why a large tax refund isn’t necessarily a great thing
  • Common mistakes made when filing taxes
  • Amending a tax return
  • Determining the right investment account for your income
  • Factors to consider when determining where to invest first
  • The new tax law changes and how they affect you

At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018.

(YNAB, my favorite budgeting app is giving Journeyers a 2-month free trial, no credit card required to try their amazing budgeting system, check it out here!)

Mar 28, 2018
037- Understanding Credit and How to Use Credit to Build Wealth W/ Shante Harris
52:28

When it comes to building wealth, credit can be a key component in helping you to achieve your financial goals. Credit expert, Shante Harris, joins us on the show to talk about everything from credit scores, credit reporting, and even credit card utilization. A Maryland native, Shante shares an incredible story of triumph in which she survived cancer, becoming a mother of a child with autism, divorce and even homelessness.

Throughout her times of adversity, Shante gained the experience of bouncing back from credit card debt and becoming an expert in transforming not-so-perfect credit. Today, she leads a Facebook group of more than 58,000 members where she shares her expertise and inspires others to work toward their credit goals. She is also the founder of the non-profit organization, F.A.C.E. (Facing Autism with Children Everywhere). 

Sign up for Credit Sesame using my affiliate link and get your free credit report and other resources to help you with your credit. 

In this episode, we talk about:

  • Why credit is important
  • How credit works
  • The 5 components of a credit score
  • The importance of the average age of accounts
  • How travel hacking can affect your score
  • Vantage scores vs. FICO
  • How student loans affect your credit
  • How employers check credit scores and other financial information
  • Tips for paying off your credit card balance

At the end of the podcast, I announced the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018.

(YNAB, my favorite budgeting app is giving Journeyers a 2-month free trial, no credit card required to try their amazing budgeting system, check it out here!)

Mar 21, 2018
036- Everything You Need To Know About Your Student Loans And How To Get Rid of Them W/ Robert Farrington
39:21

Student loan debt is one of the biggest concerns of college graduates in America. Robert Farrington, the Student Loan Debt Expert, is helping readers from all over the nation to better understand the process of student loan repayment with his blog, The College Investor.

Robert was always passionate about investing and making money but when he identified a need amongst his peers to share more about student loans, he changed the course of his finance blog to educate borrowers. Robert was able to pay off more than $42,000 in student loan debt over the course of 3 years and he’s sharing his methods with college grads all over the nation to encourage them to do the same. In fact, this month, he is working with others in the financial influencer community to inspire followers to collectively pay off $1 million or more of student loan debt. You can find more information about this movement in the links below.

(Also, YNAB, my favorite budgeting app is giving Journeyers a 2-month free trial, no credit card required to try their amazing budgeting system, check it out here!)

In this episode, we talk about:

  • The significance of paying an additional $100 on student loan debt
  • How earning more income is key to getting rid of debt
  • The importance of investing in your future while paying on student loan debt
  • Federal loan repayment and debt forgiveness programs
  • Student loan consolidation vs. refinancing
  • When it is appropriate to only make minimum payments and when to make extra payments
  • Things to consider while applying for student loans

 

Mar 14, 2018
035- The Power of Frugality and Simple Living To Reach Financial Independence w/ Mrs. Frugalwoods
44:27

When it comes to saving, frugality is so more than just a habit, it’s a lifestyle choice. Liz Thames, affectionately known as Mrs. Frugalwoods, allowed a frugal lifestyle to help fuel her family toward Financial Independence and a simpler lifestyle in the woods of Vermont. Retired at 32, Liz and her husband made it a priority to make tough decisions on spending in order to save 70-80% of their income. She shares much of her wisdom on her blog, Frugalwoods, and we are delighted to have her be a part of this show. Their new book, Meet the Frugalwoods: Achieving Financial Independence Through Frugal Living Book is set for release and readers that pre-order by March 13, 2018, will receive a signed bookplate! Details are listed in the links below.

(Also, YNAB, my favorite budgeting app is giving Journeyers a 2-month free trial, no credit card required to try their amazing budgeting system, check it out here!)

In this episode, we talk about:

  • How frugality can simplify your life and catapult your savings goals
  • How important it is to consider what makes you happy in making savings/retirement plans
  • The simple formula for achieving financial independence
  • How to cut your expenses to achieve the lifestyle you desire
  • The significance of understanding the opportunity cost of the money that you are spending.
  • The importance of remaining mentally connected to your financial goals
  • How finding meaningful hobbies can help to keep you focused during the wait of finding financial independence

Other related blog posts/links mentioned in this episode:

Connect with The Frugalwoods on:

Connect with me:

Mar 07, 2018
034- Trade in Your 9-5 and Reach Financial Independence Through Stock Investing w/ Tela Holcomb
34:55

Investing in stock can seem very intimidating but Tela Holcomb, the renowned stock investor has used swing trading as a vessel to help her create financial independence. More than 9 years ago, as a servicemember and single mom, a conversation about trading and early retirement inspired Tela to teach herself the skills necessary to replace her 9-5.

In this episode, we talk about:

  • The difference between trading and long-term investing
  • How practice trading accounts prepare for real life stock trading
  • Tela’s 3 trading account system
  • How to buy stock
  • How to make a trading plan to manage gains and losses
  • How to manage the emotions that come with stock trading
  • Tela’s definitions of financial independence and financial freedom
  • Why you don’t have to be perfect to find success in stock trading.

Other related blog posts/links mentioned in this episode:

Connect with Tela on:

Connect with me:

Feb 28, 2018
033- The Importance of Estate Planning for Long Term Wealth w/ Art Steele + How To Get Started
58:14

Passing down generational wealth is extremely important. The best way to make sure that wealth is passed down for generations to come is through proper estate planning. Art Steele, Estate Planner and the podcaster behind The Legalese for Entrepreneurs Podcast, has an incredible story about how she came to choose her career and the epiphany that caused her to realize the significance generational wealth within in the black community.

In this episode, we talk about:

  • Understanding the racial wealth gap
  • Why personal behavior cannot close the racial wealth gap
  • The significance of estate planning in the black community (and all communities)
  • How considering the “value of your life” helps with planning your estate
  • What having an estate plan involves
  • The legal documents required to make decisions for end of life care
  • The roles of a financial planner and an estate planner
  • The importance of leaving behind a will
  • How proper estate planning can benefit generations beyond your children
  • The significance of a trust with inheritance for children
  • How hiring an attorney for estate planning can save you money in the long run

Other related blog posts/links mentioned in this episode:

Connect with Art on:

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Feb 21, 2018
032- Discussing Marriage, Kids, and Money, Plus The BuzzFeed Effect
41:42

When two people are working towards a goal, amazing things can happen. This occurred for Andy Hill and his wife when they decided to come together and set a plan to reach their financial dreams. 

In this episode, we talk about how Andy and his wife:

  • Paid off $48,032 of debt in 1 year
  • Became completely debt free by paying off their mortgage in less than 4 years
  • Began living on one income and got on the same financial page
  • Don't believe in giving their kids allowances & the important values they are instilling in them
  • Plus so much more!

 

Other related blog posts/links mentioned in this episode:


Connect with Andy:

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Feb 14, 2018
031- The Birthday Episode: My Previous Business Failures & 4 Life Lessons That Contribute to My Success
40:11

It’s my birthday! So, this episode is going to be more personal, a solo episode where I want to talk about more of what's led me to where I am today and the lessons I've learned throughout my 35 years of life that continue to contribute to my success. 

In this episode, I talk a bit about my previous failed business attempts from starting an online magazine to investing almost $22,000 in a vending machine business that ultimately did not succeed.

I'm also sharing key life lessons that have helped me thus far on my life journey and hope you can find some inspiration to help you on your path too.

I said that my word for this year was “Fearlessness” but it also is “Creation”. Never have I felt more inspired and filled with hope, nurturing and growing life within and all around me. I’m in a season of expansion and my dreams are literally coming true.

I couldn’t be more appreciative and happy with what is and what’s to come. Thank you for listening to the podcast which now has over 50,000 downloads! If you want to give me a bday gift, here are a few things you can do:

  • Share the podcast with your family and friends. Send them your favorite episode and/or share on your personal FB profile, twitter, Instagram, etc. Not sure, how to share or find the podcast on your favorite podcasting app? click here.
  • If you listen to the podcast in Apple podcasts, please leave me a review
  • Also, if you don't want to miss a thing, please make sure to sign up for my weekly newsletter

Other related blog posts/links mentioned in this episode:

Connect with me:

 

Feb 07, 2018
030- Timika's Journey To Financial Independence & Earning 6 Figures in Her Side Hustle
40:50

If you’re someone looking for ways to increase your income so that you can reach your financial goals, starting your own business has probably has crossed your mind once or twice. Not only will a business become an asset but it can become an integral step in helping you reach Financial Independence.

Timika Downes talks about her journey to starting a lice clinic as a side hustle in addition to working her full-time job as a nurse. Now, her lice clinic makes 6 figures a year and has afforded her a life of options and more freedom. This is an inspiring interview for anyone who wants to increase their income and start a side hustle.

Here are the main topics we cover in this episode:

  • Timika’s background
    • Her job
    • How she grew up frugal
    • The importance of saving
  • Her lightbulb moment
    • The methods she used to pay off debt quickly
    • How she became intentional about paying off debt
  • Her next step towards FI
    • Her mission to save as much as possible
    • How she decided what she wanted from life
    • Why FI is about having options
  • Her business
    • Her path to different businesses
    • How she started her lice clinic
    • How she built a business within her means
    • The importance of validating a business idea

Plus we talk about so much more!

Other related blog posts/links mentioned in this episode:

Connect with Timika:

Connect with me:

Jan 31, 2018
029- How To Become A Money Nerd With Whitney Hansen
38:19

Paying off debt is essential to getting back on track with your finances. Not only will you remove a large expense every month, but the mental freedom is priceless. That’s exactly what Whitney did by working two jobs and sticking to a tight budget. By being intentional and mindful of her spending, she was able to pay off all her debt and now owns a personal finance business. Her business now makes more money than her full-time job, which means she now gets to live on her terms and work on her business.

Whitney’s hacks to paying off debt are unique and insightful, a huge help to anyone working towards paying back their debt.

Here are the main topics we talked about in the episode:

  • Whitney’s background
    • Her journey to managing money
    • How she paid off her $30,000 in debt in 10 months
    • Her online business
  • Her journey to paying off debt
    • How she was working 2 jobs
    • Her different tricks to paying off debt
    • How she set her goals
  • How to be intentional about your finances
    • Using a holistic overview
    • The importance of keystone habits
    • How to set SMART goals
  • Investing when in debt
    • How it differs from case to case
    • Starting an emergency fund
    • Why it depends on how long you’ll be paying off debt
  • Her personal finance goals
    • Why she’s leaving her full-time job
    • Her business goals
    • Getting started with real estate investing

Other related blog posts/links mentioned in this episode:

Connect with Whitney:

Connect with me:

 

Jan 24, 2018
028- Finding The Right Balance Between Your Income & Expenses with the Paychecks & Balances Duo
54:24

When developing a solid financial plan, it’s important to look at how you can generate the most income while being conscious of your spending. Marcus and Rich from the Paychecks and Balances podcast aim to help people look at both sides of their balance sheet, their income and their expenses.

I really enjoyed interviewing Marcus and Rich as we covered a variety of topics such as how to; negotiate pay raises, pay off debt and the importance of being able to enjoy yourself while on your financial journey.

This is a very informative yet light-hearted episode for those of us who want to accomplish our financial goals while not feeling guilty about spending on the things we value.

Here are the main topics we talked about in the episode:

  • Rich and Marcus
    • Their backstory
    • How they became more conscious of their money habits
    • The meaning of their podcast
  • Making the most of your paychecks
    • The importance of understanding where your money is going
    • Automating your savings
    • Negotiating your salary
  • How to negotiate your salary
    • Why people are afraid to negotiate
    • The importance of doing your research
    • Making the most of your company’s benefits
    • Using a cost of living calculator
  • Taking action
    • How to be proactive and not reactive
    • Why it’s better to start now rather than later
    • How to live the 80/20 lifestyle
    • Why it’s important to be responsible but also enjoy yourself
  • Being in debt
    • Marcus’ journey managing debt
    • Why the easiest part is making a plan
    • Making sure getting in debt is your choice
    • Rich’s story with debt
    • Why people want to be debt free
    • The difference between good and bad debt
    • Credit card debt vs student loan debt

 

Other related blog posts/links mentioned in this episode:

 

Connect with Marcus & Rich:

 

Connect with me:

 

Jan 17, 2018
027- The Art Of The Side Hustle With Chris Guillebeau
31:54

Chris Guillebeau is on a mission to help people start their own side hustles so that they can create more security, freedom and opportunities in their lives. Side Hustles are becoming more and more the norm nowadays as people look for a way to supplement their job with extra income. These hustles consist of building an asset with the purpose of providing some kind of return and benefit to a customer.

Chris is currently on a 100 city tour and gives regular talks on the process of creating side hustles for people who want some extra income but don’t want to quit their day job. He is an avid traveler and a successful entrepreneur with huge experience dealing with side-hustles.

I was honored to have Chris on the podcast to talk about his new book: ‘Side Hustle: From idea to income in 27 days’, his podcast Side Hustle School and his two-step process when starting a side-hustle: getting an idea and putting this idea into action.

We also talked a bit about MLMs and some mental blocks people have when starting a side hustle. An interesting and informative interview for those looking to increase their income with a side-hustle!

Here are the main topics we talked in the episode

  • Chris’ introduction
    • His backstory
    • How he got started with side hustles
    • Why he focuses more on income than expenses
  • Why everyone should start a side hustle
    • Why it's empowering 
    • Side hustles create freedom
    • The necessity of a side-hustle
  • The difference between a side hustler and an entrepreneur
    • Side hustles supplement a job
    • Side hustles are not about scaling and raising capital
    • The importance of the money, mindset and goals
  • Parts of starting a side hustle
    • The two parts: having an idea and taking action
    • Starter ideas and next level ideas
    • The gig economy
    • Examples of starter ideas
  • Side hustle blocks
    • Time and money
    • The minimal costs
    • The importance of planning and creating a process
  • The next step after having an idea
    • Understanding what form it will take
    • Analyzing your audience
    • Using your expertise
  • MLM's
    • Being part of a supportive group
    • Why it’s better to create your own asset

Other related blog posts/links mentioned in this episode:

Chris Guillebeau’s book Side Hustle: From idea to income in 27 days

Udemy - An online learning and teaching marketplace

Grab your seat at the Budget Boot Camp

Leave me a voicemail- Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12  Watch my latest segments on News12

My One on One Money Coaching Services - Get my personalized 1on1 money coaching expertise to help you reach your financial goals

 

Connect with Chris on:

 

Connect with me:

Jan 10, 2018
026- The Wealth Formula & The Secret Sauce Needed To Make It Work
36:47

The simple wealth formula can be defined as Income -Expenses = The Gap. You use the gap to get ahead in your finances by paying off debt, saving more and investing more. Essentially, you want to increase The Gap as much as possible in order reach your goals faster.

But that's not all there is to the Wealth Formula. There are other silent but important factors needed in order to make it really work for you. You can call these factors, the secret sauce. Without focusing on these factors, reaching your goals is so much harder and even somewhat impossible.

The Five "Secret Sauce" Factors are:

  • Intrinsic Motivation
  • Habits
  • Beliefs
  • Consistency
  • Hard Work/Sacrifice

I've since even modified the Simple Wealth Formula to include what I think is a true driving force of how fast you can reach and maintain your goals to be: (Income - Expenses) * Habits = The Gap

Also, this episode is brought to you by the Free MasterClass that I’m holding Thursday, Jan 4th at 9pm EST. If you haven’t signed up yet, don’t worry, there’s still time, join here

Other related blog posts/links mentioned in this episode:

Reserve Your Seat at The Free LIVE MasterClass on January 4th at 9pm EST: How To Have Your Best Financial Year Yet 

 

Sign up for the 2018 Q1 Launch To Financial Freedom Mastermind (enrollment is from January 4, 2018 to January 8, 2018) 

Grab your seat at the Budget Boot Camp

Leave me a voicemail- Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12  Watch my latest segments on News12

My One on One Money Coaching Services - Get my personalized 1on1 money coaching expertise to help you reach your financial goals

Connect with me:

 

Jan 03, 2018
025- Identify Your Money Problem & Join Me For The Free MasterClass
30:27

Now that Christmas is officially over, how did you do? Did you go over budget or stay within budget or are you afraid to even check? In this week's podcast episode, I'm talking about how to start preparing yourself for next year's holiday season right now and then I dive into how to identify which of the four common money problem(s) you have and how to fix them.

Next week on January 4th at 9pm EST, I'm holding a free LIVE MasterClass/Webinar called:

How To Have Your Best Financial Year Yet- Tips To Save, Pay Off Debt & Invest In 2018 

 

Other related blog posts/links mentioned in this episode:

Reserve Your Seat at The Free MasterClass: How To Have Your Best Financial Year Yet 

Blog Post:  What's Your Money Problem

Final 2017 Year-End Saving & Investing Update of $84,100

Grab your seat at the Budget Boot Camp

Sign up for the 2018 Q1 Launch To Financial Freedom Mastermind Waitlist and get special early bird pricing.

Leave me a voicemail- Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12  Watch my latest segments on News12

My One on One Money Coaching Services - Get my personalized 1on1 money coaching expertise to help you reach your financial goals

Connect with me:

Dec 27, 2017
024- Four Things To Focus on For Major Financial Success in 2018 + A Year-End Update on 2017 Our Saving/Investing Goals
36:18

It’s the perfect time look back and reflect on your finances and do a year-end review.

In today's podcast, I'm discussing the 4 things you should set goals around in 2018, which are:

  • Income
  • Expenses
  • Saving/Investing
  • Habits

I'm also giving an update on where we ended up with our 2017 Savings/Investing goals. In my 2017 Mid-Year update, back in May we had saved and invested about $53,200. By the end of the year, we ended up saving/investing $84,100 talked about which is about $9,000 less than the $93,100 goal we set for the year.

I also hint at some of the major financial changes we are making next year and give more details about the Q1 2018 Journey To Financial Freedom Mastermind.

Other related blog posts/links mentioned in this episode:

Four Ways To Set Yourself Up For Financial Success

2017 Year-End Saving & Investing Update

Grab your seat at the Budget Boot Camp

Sign up for the 2018 Q1 Launch To Financial Freedom Mastermind Waitlist and get special early bird pricing.

Leave me a voicemail- Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12  Watch my latest segments on News12

My One on One Money Coaching Services - Get my personalized 1on1 money coaching expertise to help you reach your financial goals

Connect with me:

Dec 20, 2017
023- The Millennial Path To Financial Independence with Gwen & J From The Fire Drill Podcast
43:28

Millennials are often mischaracterized as being lazy and wanting things handed to them.  I can’t tell you how far from the truth that is, especially when it comes to Gwen & J  from the FIRE Drill Podcast who came on the podcast today to talk about pursuing FI and the different aspects of paying off debt and being financially stable. Both bloggers have their own informative and successful blogs that share their specific paths to FI and are set on inspiring others to do the same.

I’m also super impressed by what they’ve been able to accomplish so far at such young ages. Gwen has saved $100k by age 25 and purchased her first rental property, a triplex, earlier this year. J has paid off nearly $100k of debt in two years and has saved over $200k towards retirement by age 28.

On the episode today, we explore the importance of savings and increasing your income. J explains how essential it is to have an emergency fund after what happened to her while she was paying off debt, and Gwen talks about why she has FU money. It was also interesting to hear their takes on real estate and how to get started with house hacking. This is a great episode on the importance of working towards FI and achieving financial goals.

I also announce the Budget Boot Camp Class & open the waitlist for the Q1 2018 Journey To Financial Freedom Mastermind.

Now here are the main topics we talk about in the episode:

  • The FIRE Drill podcast
    • What the podcast is about
    • Their specific interests in finance
    • How FI allows a life of options
    • An interesting way to pursue FI
    • How their opinions have evolved since the beginning of the podcast
  • J and Gwen’s journey
    • How Gwen found FIRE in college
    • Why Gwen plans on quitting her job and be her own boss
    • The sacrifices involved
    • How J got inspired to pay off all her student debt
    • J's methods to pay off debt
    • Career hacking
  • Reaching FI
    • How savings give you freedom and options
    • What is FU money
    • The importance of having an emergency fund
    • Getting started with real estate
    • 2 methods to achieve FI: savings and monthly cash flows
    • The irony once you achieve FI
    • Having a back up plan

Other related blog posts/links mentioned in this episode:

Grab your seat at the Budget Boot Camp

Sign up for the 2018 Q1 Launch To Financial Freedom Mastermind Waitlist

Paula Pant: Afford Anything

Mad Fientist: HSA - The Ultimate Retirement Account

Bigger Pockets

Leave me a voicemail- Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12  Watch my latest segments on News12

My One on One Money Coaching Services - Get my personalized 1on1 money coaching expertise to help you reach your financial goals

Connect with Gwen & J:

Connect with me:

 

Dec 13, 2017
022- How Investing In Yourself & Starting A Business Can Lead To Financial Success w/ Bola From Clever Girl Finance
36:15

Bola Sokunbi of Clever Girl Finance is on today's podcast sharing how investing in herself and starting her own business led her to the path of Financial Freedom. Bola is a Certified Financial Education Instructor, an expert on everything money and founder/CEO of Clever Girl Finance, a website, and business to help women manage their finances to talk about just that. 

The talk I had with Bola was very inspiring, especially since I'd one day like to turn Journey To Launch into my full-time business. In this episode, we talked about the mindset involved when starting a business, the money management strategies and the sacrifices one has to be willing to take. We also discuss Bola's own financial journey and why she is so dedicated to helping women take control of their finances. This is a very informative episode for anyone thinking of starting up a business and who needs a bit of advice on budgeting, debt and overall money management.

Here are the main topics we talk about in the episode: 

  • Introduction to Clever Girl Finance
    • Why Bola focuses on financial wellness for women
    • How she helps women get to the point where they feel financially successful
  • Bola’s story with money
    • The great influence her parents had on her with money
    • How moving to America affected her financial habits
    • How she decided to do something that mattered and started a business
  • The beginnings of Clever Girl Finance
    • The sacrifices she had to make to start her own business
    • How making a plan helped her manage her business well
    • The importance of taking your business seriously
    • The change of mindset that comes with investing in your own business
  • The business mindset
    • How to plan for different possible outcomes
    • The benefits of investing in yourself and your business
    • Why you should have a clear business plan
    • What it means to put hard work into your business
    • Why you should find a support system with like-minded people
  • Managing money in a business
    • The importance of having a solid strategy when taking on debt
    • Sometimes it’s better to suck it up and first pay off your debt
    • Budget your business like you budget your personal life
  • How Bola personally manages her money
    • How she designs her life around the lifestyle she wants
    • How to balance your goals with your current situation
    • Determining what a good life means to you

 

Other related blog posts/links mentioned in this episode:

Leave me a voicemail- Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12  Watch my latest segments on News12

My One on One Money Coaching Services - Get my personalized 1on1 money coaching expertise to help you reach your financial goals

The Wealth Building Manual - A step by step guide to building wealth

YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with Bola

Connect with me:

 

Dec 06, 2017
021- The 7 Steps To Wealth w/ Hilary Hendershott The Profit Boss + Should You Hire a Certified Financial Planner?
39:31

Today’s podcast is an interview with the amazing Hilary Hendershott. Featured in the Wall Street Journal and Forbes, she is a Certified Financial Planner and podcaster who advises women when it comes to managing their finances.

It was my pleasure to interview Hilary because I’m a big fan of her podcast, Profit Boss Radio and she really knows her stuff as you’ll be able to hear in the interview.

Here are the main topics we talk about in this episode:

  • Hillary’s financial troubles
    • Her personal financial struggles even as a Financial Planner
    • How she changed her behavior from pretending to be rich to being open about her money issues
    • The importance of having the right mentality
    • What financial integrity really means
    • How she became responsible for her own financial future
  • Her work with women and finance
    • The reasons people outside the personal finance world struggle with finance
    • Why the money conversation isn’t happening where women are
    • The importance of taking control of your finances
  • The 7 steps to wealth
    • Hillary’s 7 steps to wealth, from having the right mindset to learning how to ask for what you want and need
    • Why these are the building blocks of wealth
  • Certified Financial Planners (CFP)
    • What is a CFP?
    • What to watch out for when hiring a CFP
    • At which point you should you get professional financial advice
  • The Mindset
    • What is a money operating mindset
    • Why you should get rid of the ‘I can’t afford that’ thought
    • How to use the power of words to change your mindset

 

Other related blog posts/links mentioned in this episode:

 

Leave me a voicemail- Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! 

Watch me on News12  Watch my latest segments on News12

My One on One Money Coaching Services - Get my personalized 1on1 money coaching expertise to help you reach your financial goals

The Wealth Building Manual - A step by step guide to building wealth

YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

 

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Nov 29, 2017
020- A Money Chat With My Husband Plus Information About The Budget Boot Camp
43:35

I decided to finally record a podcast with my biggest supporter and the silent partner of Journey To Launch, my husband.

Not only will you get to know me a little better because I'm giving you more of a sneak peek into my personal life but it may also help you think of ways to talk to your partner about finances.

Here are just some of the things we discuss:

  • His personal relationship with money and what he did and didn't learn from his parents about money growing up
  • How he felt when I first told him I wanted to retire early and leave my corporate job
  • What made him feel comfortable with raising his retirement contributions from 3% to 50% of his paycheck
  • If he still want's to work after I "retire"
  • His desire for a new car and if he feels our financial goals are too restricting
  • How he thinks having a 3rd child will impact our finances
  • If he supports Journey To Launch plus much more!

 

Other related blog posts/links mentioned in this episode:

The Online Budget Boot Camp - It's time for you to take back control over your finances once and for all and start to feel confident and sure about your finances. Stop living paycheck to paycheck and get ahead of the bills that keep piling up so that you can create the extra cushion in your cash flow to pay off debt and start investing. Grab your seat at the Budget Boot Camp to conquer your budget once and for all!

The 3 Budget Killers Video - Check out the three costly budget mistakes to avoid so that you can finally start to feel confident about your finances!

What Kind of Journeyer Are You? - Take the quiz to find out where you are on the Journeyer scale.

Watch me on News12

My One on One Money Coaching Services

The Wealth Building Manual

YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

 

Connect with me:

Nov 22, 2017
019- The Pillars of FI & How You Can Reach Financial Independence w/ Choose FI
56:26

What is Financial Independence and how can you reach it? Today I sit down with the guys from the Choose FI podcast to talk about the pillars of Financial Independence (FI) and the practical steps you can take to attain this goal.

In today's episode with Jonathan & Brad, we talk about the following:

  • The backgrounds of Jonathan & Brad from Choose FI and what prompted them to get off the hamster wheel
  • Jonathan graduating with $168,000 in student loan debt and how he paid it off
  • What FI is and how do you know when you've reached FI
  • The Pillars of FI
  • How can someone begin to work towards FI even while still in debt plus so much more!

On last week's podcast episode, I talked about making my TV debut here in NYC as the personal finance expert on a weekly segment. Check out the preview below and watch the segment online here.

If you're local in NYC, you can watch me every Wednesday on Making Cents w/ Kristie on News12 Bronx at 4pm and News12 Brooklyn at 5pm on Optimum (channel 12) & Spectrum (channel 212) cable networks.

Other related blog posts/links mentioned in this episode:

My One on One Money Coaching Services

The Wealth Building Manual

YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

 

Connect with Choose FI:

 

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Nov 15, 2017
018- How Couples Can Get On The Same Financial Page, My TV Debut + A Major Announcement
52:51

Money is one of the leading causes of stress and issues in relationships. Whether you are dating or married, getting on the same financial page with your partner is crucial to accomplishing your overall life goals. On today's podcast, I'm talking with Elle Martinez from Couple Money. Couple Money explores how couples can build their finances together and just won Best Family Finance Blog at the 8th Annual Plutus Awards.

In today's episode with Elle, we talk about the following:

  • Why Elle started Couple Money and its mission
  • How couples can merge two opposing goals or visions for the future and compromise
  • The four different types of money date and what to do and not do on a money date
  • The importance of building a budget together and the 3 types of budgets
  • If all couples should merge their finances and how couples can boost their bottom line
  • Preparing for the major milestones; having a baby and buying a home
  • How a couple can plan to retire early together.
  • What to do if one partner is not on board with improving or optimizing their finances
  • How can people who are just dating or a single person approach the subject of money with a potential partner

Also, I share two huge announcements on this episode. First, I will be on the local NYC News 12 Bronx and Brooklyn stations as the financial expert on a new weekly segment. News 12 runs on Optimum Cable (channel 12) & Spectrum (channel 212). The first show will air today (November 8th) on News 12 Bronx at 4pm EST and News 12 Brooklyn at 5pm EST and will repeat over the next few weeks.

You'll have to listen to this podcast episode to hear the second big announcement...

Other related blog posts/links mentioned in this episode:

My One on One Money Coaching Services

The Wealth Building Manual

YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

 

Connect with Elle:

 

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Nov 08, 2017
017- Turning Journey To Launch Into a Full-time Business, 2017 FinCon Recap + a Giveaway
27:37

In today's solo episode, I'm sharing the lessons I learned from attending FinCon 2017 last week in Dallas. FinCon is the annual conference where all of your favorite personal finance bloggers, podcasters, YouTubers and money nerds get together to learn, share, network and grow their businesses. This was my first year attending FinCon and I couldn't be more happy with my experience. Not only did I get to meet some of my amazing past guests in person but I also got a chance to meet and network with people I really admire in the personal finance space.

Also, the winners of the 2017 Plutus awards were announced the last night at FinCon. Journey To Launch was nominated as a finalist in the Best New Podcast and Best New Blog categories and while I didn’t win, I’m really amazed that a blog I only got really serious about at the beginning of this year and a podcast that I just launched in July was recognized by you my audience and my peers in the personal finance space as the best of the best. I was really up against some great blogs and podcasts. You can check out the full list of Plutus Awards finalists here and the winners here.

Also, as a gift to you, I'm giving away one of my favorite personal finance books, The Millionaire Next Door by David Bach. David was one of the keynote speakers at the conference and shared his journey to writing the book and gave us words of encouragement as creators to serve first with our work.

Click here to see how you can enter to win David's best selling book, The Automatic Millionaire.

Other related blog posts/links mentioned in this episode:

My One on One Money Coaching Services

The Wealth Building Manual

YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with me:

Nov 01, 2017
016- How Single Mom Naseema Paid Off $300,000 in Debt in 2 Years
38:19

As a single mom, Naseema McElroy has a fascinating financial journey story. She went from owning 5 properties to losing it all in the real estate crash to pursuing a career in nursing. Eventually, her nursing degree allowed her to secure a high paying job but she was in tons of debt and still broke. 

In this interview with Naseema, we discuss how she was able to forge on in the midst of financial hardships, divorce and becoming a single mom. Her drive and resilience allowed her to bounce back from her setbacks and pay off $300,000 in debt in 2 years. While her financial journey is far from over, she is sharing her story and the lessons she's learned along the way.

In my interview with Naseema, we discuss the following: 

  • Naseema's background
  • How she first got into real estate and lost it all in the market crash
  • How getting married and then divorced affected her journey and finances
  • Her journey to paying off $300,000 worth of debt in 2 years 
  • How she balances being a nurse and being a single mom
  • Why she started her business, Financially Intentional
  • Tips for single parents and divorced moms on how to get ahead with their finances
  • Her best advice for someone looking to get out of debt and save more plus so much more

Other related blog posts/links mentioned in this episode:

Naseema's Site: Financially Intentional 

My One on One Money Coaching Services

The Wealth Building Manual

YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with Naseema:

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Oct 25, 2017
015- How Justin Retired at 33 Years Old & Lives a $100,000 Lifestyle on a $40,000 Budget
51:49

Is early retirement possible with kids? How is it possible to live a $100,000 lifestyle on a $40,000 budget?  Through careful saving and planning, Just McCurry from the popular blog rootofgood.com is showing us how he managed to accumulate enough wealth to retire at age 33. What makes Justin's story especially inspiring and relatable is that he was able to do reach Financial Independence even though he had three kids. Now he and his family travel when they please and live a life not confined to a paycheck.

On today's episode, Justin I talk about the following:

  • How he got through college and law school with relatively little to no debt
  • When he decided that he wanted to retire early and what steps he took to make sure that it actually happened
  • Some of the foundational things anyone can implement to reach Financial Freedom; optimal spouse selection, good job w/ benefits, maximizing savings, not paying taxes, permanent starter home and making smart investments
  • How he was able to keep the cost of raising kids relatively low
  • How they travel the world for nearly free as a family of 5
  • How he makes money in retirement and why his net worth continues to increase plus so much more

Other related blog posts/links mentioned in this episode:

Justin's Blog: Root of Good

A couple of Justin's blog posts: Early Retirement at 33, Summer Vacation in Europe for $10,000 , Living a $100,000 Lifestyle on $40,000

My One on One Money Coaching Services

The Wealth Building Manual

YNAB -  You can try it free for 34 days and after that its $5 a month or $50 a year. I recommend you at least sign up for the free trial. If you don’t want to continue after the trial, you will have at least practiced active budgeting for a month. If you sign up beyond the 34-day free trial using my referral link, you’ll get a month free and I’ll get a month free, seems like a win-win to me!

Connect with Justin:

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Oct 18, 2017
014- From Welfare to Running a 6 Figure Business, How Alanya Created Wealth From The Bottom Up
53:15

Anyone can build wealth and anyone can start with nothing and turn it into something. Nothing demonstrates that more than today's guest, Alanya Kolberg, creator of Bottom of Wealth. Alanya went from being on welfare and bankruptcy to teaching herself how to invest and now she runs a 6 figure business helping others build their own wealth from the bottom up.

Her fearlessness when it comes to learning and teaching others about investing is inspiring and I can't wait to share her story with you. In this episode we talk about the following:

  • How Alanya went from welfare and bankruptcy to running a 6 figure business
  • Why you don't have to be good at numbers or math to build wealth
  • The key foundation and building blocks to wealth
  • If someone should invest while in debt
  • Her love for Roth IRA's and why fees matter
  • Why she doesn't just want to make her kids "rich" plus so much more

Other related blog posts/links mentioned in this episode:

Alanya's site: Bottom Up Wealth

A couple of Alanya's blog posts: Make Your Kids Rich with $10 a Week , Roth IRA's are Financial Life

My Coaching Services

The Wealth Building Manual

YNAB -  You can try it free for 34 days and after that its $5 a month or $50 a year. I recommend you at least sign up for the free trial. If you don’t want to continue after the trial, you will have at least practiced active budgeting for a month. If you sign up beyond the 34-day free trial using my referral link, you’ll get a month free and I’ll get a month free, seems like a win-win to me!

Connect with Alanya:

Connect with me:

Oct 11, 2017