Beste No Cosign podcasts (2024)

1
The Do's And Dont's Of Cosigning A Loan 6:14

4d ago6:14

6:14

In this episode of the Royal Ties Podcast, Clarck Cadet takes a deep dive into the often-overlooked risks and rewards of cosigning a loan, offering listeners a clear guide to this complex financial commitment. While cosigning can be a valuable way to support family or friends in reaching major goals like buying a home or consolidating debt, it also…

1
Getting A Credit Card Without A Male Cosigner 19:29

4d ago19:29

19:29

In this week’s episode, Chloe dives into the 50th anniversary of the Equal Credit Opportunity Act, a landmark legislation that transformed the financial landscape for women. Chloe explores the significance of this law, reflecting on its impact on women today and why it remains crucial to understand its history. Today we are celebrating progress, wh…

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Who Is Your Money Working For? 26:12

6d ago26:12

26:12

In this week’s episode, Chloe dives into the fascinating concept of making your money work hard for you! She’ll explore what it really means to have your finances hustling and how to identify whether your money is putting in the effort for your benefit—or for someone else’s. Chloe shares engaging real-life examples to illustrate these ideas, emphas…

1
Credit Repair Strategies For A Fresh Start 7:13

18d ago7:13

7:13

In this episode of the Royal Ties Podcast, Clarck Cadet will be diving into "Credit Repair Strategies for a Fresh Start," breaking down the steps you can take to regain control of your financial future. Credit repair is more than just fixing a score; it’s about understanding the factors that impact your credit and making informed decisions moving f…

1
Why You're Avoiding Your Finances 24:26

18d ago24:26

24:26

In this week’s episode, Chloe opens up in a heartfelt discussion about the all-too-common struggle of avoiding our finances. Have you ever found yourself feeling guilty or stressed every time you glance at your bank account? Or maybe you dread that email from HR about your 401(k) and keep putting it off? It’s a cycle many of us know well—spending w…

1
The Benefits And Drawbacks of Credit Consolidation 6:21

1M ago6:21

6:21

In this episode of the Royal Ties Podcast, Clarck Cadet takes a deep dive into the world of credit consolidation, exploring how it can be a useful tool for managing debt. We explain the benefits, such as combining multiple payments into one and potentially reducing interest rates, making debt repayment more manageable. However, it’s not all positiv…

1
A Pep Talk From Chloe 24:40

1M ago24:40

24:40

Need a bit of a pep talk? We got you. Join Chloe as she shares her top 7 self-beliefs that supercharge her confidence! Whether you’re stepping into a new job, launching a business, or aiming for that next financial milestone, we all need a little boost sometimes. Throughout her discussion of these 7 beliefs, Chloe also explores the valuable lessons…

1
30 Money Things To Do Before 30 29:45

1M ago29:45

29:45

Take This Quiz Before You Listen: https://www.deeperthanmoney.com/30-under-30-quiz#R313763-71133b76 In this week’s episode, Chloe dives into a moment of personal reflection as she celebrates her birthday and looks ahead to the goals she’s setting for her 29th year. She challenges conventional milestones, urging listeners to rethink what success loo…

1
Exploring The Impact Of Missed Payments And Late Fees On Credit Scores 7:49

2M ago7:49

7:49

Did you know that just one missed payment can have a serious impact on your credit score? In this week’s episode of The Royal Ties Podcast, Clarck Cadet explores the hidden dangers of missed payments and late fees, and how they can affect your ability to borrow, increase your interest rates, and even hurt your chances of getting approved for loans.…

1
Clearing The Record-How To Effectively Dispute Credit Errors 7:42

2M ago7:42

7:42

Ever wondered how to correctly dispute errors on your credit report? In this episode of the Royal Ties Podcast, Clarck Cadet tackles this essential topic for anyone looking to take control of their financial future. Credit report mistakes can seriously impact your financial health, lowering your credit score and raising the cost of borrowing. We ex…

1
Start Here: What Is Deeper Than Money? 18:22

2M ago18:22

18:22

In this week's episode Chloe is doing a little introduction and refresher, talking about what Deeper Than Money is all about. Whether you're an OG listener, or new to Deeper Than Money Chloe is diving into what her ultimate goal is for Deeper Than Money and what we stand to create/teach. Buy Chloe's Book Deeper Than Money here: https://www.deeperth…

1
What To Do When You're Self-Sabotaging 30:34

2M ago30:34

30:34

In this week's episode Chloe walks through the six questions she ask herself to decrease self sabotaging behavior and how this can apply to more than just money or finances. We can self-sabotage in many different ways and in different areas of our lives so Chloe is not only talking about the six questions and steps she takes to decrease this but al…

1
Exploring Pros And Cons Of Debt Settlement Programs 7:16

2M ago7:16

7:16

Welcome back to the Royal Ties Podcast where Clarck Cadet discusses the up and downsides of Debt Settlement Programs. These programs can offer a way to reduce your overall debt by negotiating with creditors to settle for less than what you owe. This can be a relief, especially if you’re trying to avoid bankruptcy and want to stop relentless collect…

1
The Link Between Credit Scores And Insurance Rates 7:55

3M ago7:55

7:55

The Royal Ties Podcast is back again, now with season 2!! Welcome to today's episode, where Clarck Cadet explores the intriguing connection between credit scores and insurance rates. You might be surprised to learn that your credit score can significantly impact what you pay for insurance. We explain how insurers often use credit scores as a factor…

1
The Impact Of Job Loss On Credit Scores And How To Manage It 9:51

5M ago9:51

9:51

Do you find it difficult to understand the complexities of personal finance? In today's episode, we explore a critical issue affecting millions: the profound impact of job loss on credit scores. Come learn about the ways that unemployment can impact your finances and discover professional methods to help you overcome these obstacles as we explore t…

1
Is Real Estate The Best Way To Build Wealth? 26:00

5M ago26:00

26:00

In this week's podcast episode Chloe is giving a little life update as well as talking about her newest property. While it's exciting to talk about buying property, it can also lead to the question of "Should I be buying property?" So today Chloe is sharing her thoughts on if real estate is actually the best way to build wealth and what are the pro…

1
The Impact Of Credit Scores On Rental Applications And Leases 9:15

5M ago9:15

9:15

In this episode of The Royalties Podcast, Clarck Cadet dives into how credit scores wield substantial influence over rental applications and leases, impacting various aspects of the renting process. We speak about how landlords frequently employ credit scores as a metric for evaluating the financial stability of prospective tenants, using higher sc…

1
Quick Sand Spending 22:07

5M ago22:07

22:07

In today's episode Chloe talks about "quick sand spending" and how we can subconsciously be self sabotaging our goals through this process of "leaving money in our checking account." She talks about what we can do in place to not restrict our spending, but rather have a clear plan on what to do with all that "extra" cash. Check out Hot Girl Finance…

1
Get clarity and make more empowering decisions on your credit journey with Financial Literacy 7:28

6M ago7:28

7:28

Hey folks, today is all about the backbone of financial stability: understanding financial literacy and its pivotal role in cultivating and sustaining good credit. We're diving headfirst into why being financially savvy is a game-changer, especially when it comes to managing credit responsibly. From deciphering credit offers to sidestepping common …

1
How To Know If Your Spending Is Good Or Bad 25:54

6M ago25:54

25:54

In this weeks episode Chloe talks about the popular money myth of "spending is bad." Chloe breaks down changing the narrative and mindset to a spending in or out of alignment approach and why we feel like our spending habits bring guilt or shame when we do spend. She also dives into talking about how our spending habits are different for everyone a…

1
Stop Identifying Where You're At 32:51

6M ago32:51

32:51

In this weeks episode Chloe talks about identifying where you are currently at and how to practice the mindset of getting where you want to be and how we can often self sabotage that. She breaks down the eight steps when it comes to identifying where we are at, what we want, and how to get there while still growing as a person. Chloe also talking a…

1
I Wish I Paid Off My Debt Slower 29:01

6M ago29:01

29:01

If you could go back in time and give yourself advice or insight, what would you tell past you? This week Chloe shares one thing she would have shared with herself when she was in the thick of paying off debt… which would be to “pay off debt slower!” In this episode she shares 4 things she would have changed during her debt payoff journey, WHY she …

1
From Stress to Success; Understanding Your Debt-to-Income Ratio 6:04

6M ago6:04

6:04

We're diving into a topic that's not just important but downright essential: the debt to income ratio, or DTI for short. Ever heard of it? If not, you're in for a treat. In this episode, we're unpacking what DTI is all about and why it matters so darn much. Your DTI gives you a snapshot of your financial health, what monthly income goes toward debt…

1
One Year Rewind: Chloe Reflects On One Of Her Biggest Financial Decisions To Date 1:00:20

6M ago1:00:20

1:00:20

This week we are dropping a special bonus episode featuring a reply of one of our most popular episodes where Chloe shared about her decision to level up her own life and get out of her comfort zone when she decided to buy her house last spring. In this rewind episode, she shares her reflection of that decision one year later, and the growth and ha…

1
Chloe's Next Goal: Retire Early 41:40

6M ago41:40

41:40

In this episode Chloe talks about her next financial milestone that she is working towards (spoiler alert: it is total financial freedom/early retirement bby!) Chloe talks about why she is working towards this goal, how she is making money moves to get there, and shares strategies on how you can work towards your own amazing financial goals right n…

1
Breaking down Bankruptcy and understanding the effects it has on your credit report 6:10

6M ago6:10

6:10

Ever wonder if Bankruptcy is the right choice for you or your business? Understanding bankruptcy from a legal standpoint is important if you are thinking about it. Let me help guide you through this difficult subject. Join me on an exploration of bankruptcy's diverse landscape, from the liquidation tactics of Chapter 7 to the strategic maneuvers of…

1
Why We Self-Sabotage Our Dream Outcomes 22:46

6M ago22:46

22:46

In this weeks episode Chloe talks about investing in yourself and why we self-sabotage. She gets into all the detail of how investing in yourself can initially be scary and out of your comfort zone, but also how you can stop self-sabotaging your own dreams and create a better outcome for yourself and your finances. Learn more about and apply for Th…

1
7 Things I Do When I Get The Urge To Impulse Spend 25:45

7M ago25:45

25:45

In this weeks episode Chloe talks about the difference between spending and impulse spending. She talks about the steps she takes when she has the urge to impulse spend as well as how to decide if a purchase is in alignment. Learn more about and apply for The Wealth Accelerator: https://docs.google.com/forms/d/e/1FAIpQLSdBp_6SAOK1Tk4BBKdozLsK2-ySvV…

1
Building Financial Confidence with Secured Credit Cards 6:27

7M ago6:27

6:27

Explore the world of secured credit cards and their benefits in today's enlightening episode of the Royal Ties podcast. Secured credit cards are more than just a financial tool; they're a gateway to building or rebuilding credit. Join us as we dive into the fundamentals of secured credit cards, from understanding how they work to the tangible benef…

1
Are You An Investor? 21:58

7M ago21:58

21:58

This week Chloe talks about what it means to be an investor. She talks about some key steps when it comes to learning about investing as well as important mind shift changes around the question "are you an investor?" Learn more about and apply for The Wealth Accelerator: https://docs.google.com/forms/d/e/1FAIpQLSdBp_6SAOK1Tk4BBKdozLsK2-ySvVLDZzSune…

1
Why I Save $0 A Month 19:55

7M ago19:55

19:55

In this episode Chloe talks about the money myth of saving money, and why she saves $0 a month as a millionaire. She talks about the difference between spending money, wealth building money, and wealth protecting money and what these types of money look like. Grab the FREE High Yield Savings Account Training: https://www.deeperthanmoney.com/HYS-Tra…

1
From Credit to Keys: How Your Score Affects Auto Financing 6:20

7M ago6:20

6:20

Discover how your credit score impacts auto loans and financing options in today's insightful episode of The Royal Ties podcast. Your credit score isn't just a number; it's a key factor in securing favorable terms and options for auto financing. Join Clarck as he delves into the nuances of credit scores and auto loans, exploring how credit scores a…

1
Splitting Expenses With Friends 38:05

7M ago38:05

38:05

This week Chloe tackles the topic of how to split expenses with friends. She goes over the Do’s and Do Not’s of how to approach these conversations with your besties and the deeper than money beliefs, fears, and hesitations we face when it comes to splitting expenses with friends. Splitwise is a free option to help split bills on trips: https://www…

1
How Credit Scores Shape Small Business Loan Approvals 10:26

8M ago10:26

10:26

Unlock the secrets to obtaining small business loans and financing in today's episode with Clarck on The Royal Ties podcast. Delve into the critical role credit scores play in securing funding for your small business. Clarck, shares invaluable insights into how credit scores influence loan eligibility, amounts, and interest rates. Learn essential t…

1
Exploring Credit Score Impact on Business Property Rentals 10:21

8M ago10:21

10:21

Discover how your credit score affects renting a commercial property for business in today's episode of The Royal Ties podcast. Landlords scrutinize creditworthiness when leasing commercial spaces. Learn how to leverage your credit score to secure the best lease terms and rates. Clarck breaks down the impact of credit scores on lease approval, nego…

1
Golden Years: Smart Strategies for Maintaining a Strong Score in Retirement 11:04

9M ago11:04

11:04

Unlock the secrets to maintaining good credit during your retirement years in this episode of Royal Ties podcast. Even after retirement, credit management is crucial for financial flexibility and securing favorable terms. Clarck, your financial coach, breaks down the importance of credit in retirement and offers strategic insights to keep your cred…

1
The Art of Negotiating & Settling Lower Credit Card Balances 7:55

9M ago7:55

7:55

In this episode of the Royal Ties podcast, Clarck the Financial Coach delves into the crucial topic of negotiating and settling credit card debt for a lower amount. If you're grappling with credit card debt and feeling overwhelmed, this episode is your guide to regaining control of your financial situation. Clarck breaks down the process step by st…

1
Habit Stacking...Money Edition 55:21

9M ago55:21

55:21

This week, Chloe sits down with habit stacking queen, Shelby Sacco! They dive into how habit stacking can help you level up your life AND your finances. Sad To Savage Podcast with Chloe Elise: https://podcasts.apple.com/us/podcast/chloe-elise-on-ditching-money-shame-and-building/id1637284186?i=1000642426842 Follow Shelby on Instagram: https://www.i…

1
Debunking Credit Score Myths for Financial Confidence 8:19

10M ago8:19

8:19

This week we debunk widespread misconceptions about credit scores. In this episode, we clear the air on common myths, from the impact of closing cards to checking your score. Discover the truth behind carrying credit card balances and much more. Empower yourself with accurate credit insights to make informed financial decisions. Tune in now for a c…

1
Make Your Money Work As Hard As You Do 27:55

10M ago27:55

27:55

You work your ass off so shouldn’t your money be working just as hard as you? This week Chloe talks about how she made $23,000 in passive income. She discusses the building blocks and strategy that you can incorporate into your finances to help your money work even harder so you can make those money gains. Ready to make that money put I the work? L…

1
Your Top Money Goal For 2024: Spending In Alignment 31:09

10M ago31:09

31:09

In the first episode of 2024, Chloe talks about how spending in alignment is key to reaching our money goals. Chloe does a deep dive on how to recognize what alignment truly looks and feels like and what steps to take even when spending is in your budget, but may not be aligned with your goals and priorities. If you are ready to kick off your new y…

1
Credit Scores' Impact on Your Finances 10:26

10M ago10:26

10:26

Join us as we unravel the intricacies of credit scores and their impact on your financial health. From payment history to credit utilization, grasp the essentials that shape this three-digit number. Learn how your credit score affects loans, interest rates, rentals, and even job prospects. We dive into actionable strategies, from timely payments to…

1
The Importance of Regular Credit Score Monitoring Explained 9:22

11M ago9:22

9:22

In this episode, we dive into the why behind monitoring your credit score regularly. It's not just a number; it's your financial GPS. Regular checks spot errors and fraud early, keeping you safe. They reveal how your actions influence your creditworthiness, motivating positive financial habits. Planning a big move? Knowing your score beforehand set…

1
How To Gift Give Without Money Stress 33:33

11M ago33:33

33:33

Tis the season to be spending… this week Chloe sheds some light on the pressure to spend more during this season of giving. She talks about her relationship with gift giving during the holidays and how to plan to spend in alignment with your goals especially when it comes to gift giving. Get Deeper Than Money the book: https://a.co/d/aOO75PC…

1
The Key To Unlocking Credit Card Success 8:39

11M ago8:39

8:39

In this insightful episode, we unlock the secrets behind managing credit card utilization ratio. A critical element influencing your overall credit score. Understanding the intricate tactics to effectively manage your credit card utilization ratio is more than just a financial skill—it's a pathway to securing a prosperous future. We'll explore the …

1
Are Your Money Beliefs On Autopilot? 20:55

11M ago20:55

20:55

This week Chloe talks about what it means to have your money beliefs on "autopilot". She talks about what they are, where they come from, how they affect you, and why it is important to update them. Learn more and apply for The Wealth Accelerator: https://www.deeperthanmoney.com/the-wealth-accelerator…

1
Protect your credit by building a Financial Fortress 8:29

12M ago8:29

8:29

Join us as we uncover the transformative benefits of building an emergency fund in today's episode. Learn how it shields you from debt, supports good credit behavior, and reduces reliance on credit cards during unexpected expenses. Explore the peace of mind it provides, protecting your credit score, expediting recovery from setbacks, and creating o…

1
Credit in Love: How to Navigate Joint Accounts with Your Partner 10:41

12M ago10:41

10:41

In today's episode, we'll discuss tips for managing joint credit accounts with a partner or spouse. Joint credit accounts can be a powerful tool for shared financial responsibilities, but they also require careful management and communication. Follow me on Instagram at: @‌clarckthefinancialcoach @‌theroyaltiespodcast Visit my website at: https://cl…

1
Credit 101: A Young Adult's Guide to Responsible Credit Management 9:24

1y ago9:24

9:24

In today's episode, we'll discuss A young adult's guide to responsible credit management. Follow me on Instagram at: @‌clarckthefinancialcoach @‌theroyaltiespodcast Visit my website at: https://clarckcadet.com/Door Clarck Cadet

1
Rent VS Own 11:05

1y ago11:05

11:05

In today's episode, we'll explore the difference between renting vs owning property and also separating wants vs needs in today's climate it is imperative we learn to understand the pros and cons of each and how they affect our lives. Follow me on Instagram at: @‌clarckthefinancialcoach @‌theroyaltiespodcast Visit my website at: https://clarckcadet…

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