Ep 163: Beyond Summer Camp | Unconventional ways to fill the summer void

rich & REGULAR with Kiersten and Julien Saunders

Player FM - Internet Radio Done Right

21 subscribers

Toegevoegd vier jaar geleden

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ongeveer een jaar geleden 34:07

MP3•Thuis aflevering

Is summer break a vacation, a project, or a chaotic mess? In this episode, we're diving into the reality of childcare during the summer months, exploring why even high-income families rely on relatives, and why traditional camps and daycare might not be the answer. Join us as we unpack the reality of summer childcare and discover creative solutions to make the break a time for growth, connection, and even some fun!

Links:

Most Parents Don't Have Any Formal Child Care Arrangements via US Census Bureau
Full Time Job, Zero Formal Child Care via The Cut
Starter list of free of cheap summer camps

In this episode:

New Data Reveals the Truth: We discuss a surprising new U.S. Census study that shows most parents (61%) rely on non-formal childcare, with relatives topping the list.
Beyond the Price Tag: Cost is a factor, but it's not the only thing driving summer childcare choices. Learn how lifestyle choices, family dynamics, and personal situations impact parents' decisions.
Creative Solutions: Summer doesn't have to be a constant struggle. We share creative, fun, and often free ways to fill the summer with learning, play, and meaningful experiences for kids.
The Power of Community: Discover how to tap into your community for support, from neighbors and friends to college students and teachers who might be seeking side gigs.
PTA: Your Secret Weapon: We explore the often-overlooked resources and opportunities available through the PTA.
Think Like a Teacher: Learn how to create a flexible summer schedule that's both engaging for your kids and relaxing for you.

Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by Forbes
If you would like to learn more about investing, check out our newest class, Making Money Grow

210 afleveringen

#Trading #Business #Careers #Financial Independence #Black Wealth #Investing #Fire #Early Retirement #Retirement #Stock Market #Index Funds #Rich #Rich REGULAR #Regular #Money #Movement

Ep 163: Beyond Summer Camp | Unconventional ways to fill the summer void

rich & REGULAR with Kiersten and Julien Saunders

21 subscribers

published ongeveer een jaar geleden

MP3•Thuis aflevering

Links:

Most Parents Don't Have Any Formal Child Care Arrangements via US Census Bureau
Full Time Job, Zero Formal Child Care via The Cut
Starter list of free of cheap summer camps

In this episode:

New Data Reveals the Truth: We discuss a surprising new U.S. Census study that shows most parents (61%) rely on non-formal childcare, with relatives topping the list.
Beyond the Price Tag: Cost is a factor, but it's not the only thing driving summer childcare choices. Learn how lifestyle choices, family dynamics, and personal situations impact parents' decisions.
Creative Solutions: Summer doesn't have to be a constant struggle. We share creative, fun, and often free ways to fill the summer with learning, play, and meaningful experiences for kids.
The Power of Community: Discover how to tap into your community for support, from neighbors and friends to college students and teachers who might be seeking side gigs.
PTA: Your Secret Weapon: We explore the often-overlooked resources and opportunities available through the PTA.
Think Like a Teacher: Learn how to create a flexible summer schedule that's both engaging for your kids and relaxing for you.

210 afleveringen

#Trading #Business #Careers #Financial Independence #Black Wealth #Investing #Fire #Early Retirement #Retirement #Stock Market #Index Funds #Rich #Rich REGULAR #Regular #Money #Movement

Alle afleveringen

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Ep 208: Van Life and why living in a car still freaks people out 41:45

5 dagen geleden41:45

41:45

Most people aren’t neutral about the idea of living in a car, and that’s exactly why we needed to talk about it. This week, we dig into the stigma, structure, and stories behind van life. It’s not a guide on how to gut a Sprinter or stealth-camp in a Target parking lot, it’s a deeper exploration of what it means to live differently and why that still freaks people out. From the viral story of Dawn Robinson of En Vogue (yes, * that* Dawn) who shared that she’s been living in her car by choice for the past three years, to our personal stories of barbers, truckers, and friends navigating life on the margins of “traditional” housing, we cover the full terrain of what it means to opt out of the norm. Spoiler alert: it’s complicated. We cover: Why alternative housing is still treated as “failure” unless it’s influencer-approved The invisible infrastructure that makes van life even possible and why it’s not always fully “off-the-grid” Why HUD, housing policy, and language matter more than you think The difference between choosing van life vs. surviving it How Black culture relates to nontraditional housing, and why we don’t often see ourselves in the #vanlife aesthetic The emotional, financial, and logistical costs of so-called “freedom” This is one of those “sit with it” episodes. It’s not about romanticizing struggle or glamorizing minimalism, it’s about challenging the way we define dignity, shelter, success, and the American dream. Because let’s be honest: if someone chooses to live in a van and finds peace, why does it make the rest of us so uncomfortable? Listen in. Challenge your definitions. And maybe, just maybe, reconsider what home really means. Connect with Julien and Kiersten on our website , Instagram , Twitter , and YouTube . Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away , named 2023 best overall book about investing by Business Insider and one of the best personal finance books by Forbes If you would like to learn more about investing, check out our newest class, Making Money Grow…

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Ep 207: 3 practical tips for couples living on one income right now 47:05

13 dagen geleden47:05

47:05

This week, we’re sharing 3 of our best tips on how to live on a single income. It's a topic that might feel distant, perhaps even undesirable, but for many, it's becoming an increasingly relevant concern. We've lived the single-income life by choice and by circumstance. It's not always pretty, but it can be done. And sometimes, being forced to tighten your belt is the exact kick in the pants you need to get your financial house in order. Whether you choose to live on one income as some kind of FIRE-adjacent power move, or you’re forced into it by circumstances beyond your control, the real challenge isn’t just the spreadsheet gymnastics. It's the people part. So this episode gets into the conversations, the compromises, and the potential points of friction that can arise in a partnership when resources become more constrained. We discuss: Addressing the emotional landscape: Living on one income throws all sorts of messy emotions into the mix. Who gets to spend? Who’s giving up more? Is this forever, or just until something changes? These aren't spreadsheet questions, they’re relationship questions.. How to make negotiation your new love language: We break down how to negotiate fairly as you create a budget when the stakes feel high and everyone's nerves are shot Getting more comfortable saying No : Living on one income means saying "no"... a lot. To your partner, to your kids, to your friends, and maybe most importantly, to yourself. We unpack the guilt that inevitably comes with that, especially when you feel like you're letting people down. Strategic decluttering and selling your stuff with intention: The process of selling personal items for cash can be more emotionally involved than it appears. We talk about the surprisingly emotional process of selling your belongings and how to actually make it work, practically and emotionally. Links: Cashing Out: Win the Wealth Game by Walking Away by Julien and Kiersten Saunders The Two-Income Trap by Elizabeth Warren and Amelia Warren Tyagi Episode 155: The FinTech Toolkit Episode 149: Buying used vs. new Episode 130: How to sell your stuff online Connect with Julien and Kiersten on our website , Instagram , Twitter , and YouTube . Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away , named 2023 best overall book about investing by Business Insider and one of the best personal finance books by Forbes If you would like to learn more about investing, check out our newest class, Making Money Grow…

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Ep 206: Introducing Taste the Impact | Our new mini-doc about food, money, and the future 38:07

19 dagen geleden38:07

38:07

Links: Watch the 90-second trailer of Taste the Impact Watch the full-length "Taste the Impact" mini-doc now Register for the Shifting Wealth, Shaping Futures info session on March 26th Become a member of Invest for Better (it’s free!) This week’s episode is about something personal, political, and, up until recently, way too overlooked: food. We spend a lot of time talking about food, but not nearly enough time talking about how it shows up in our kitchens, grocery carts, or dinner tables. So today, we’re changing that. We’re introducing our latest creative project, Taste the Impact, which a short film (or op-doc, if you’re feeling fancy) that explores the relationship between investing and the food system. Not just what we choose to buy, but what we’re being sold. Because behind every recall, rising price tag, and empty produce shelf, there’s a money trail worth following. This is an episode that sits squarely at the intersection of life and money. It’s about challenging the status quo, asking uncomfortable questions, and recognizing that our financial choices have real-world consequences. In this episode, we get into: Why we made Taste the Impact now and and why storytelling is a financial tool just as much as spreadsheets are What visual media can do that numbers alone can’t (and how historical social movements have always known this) Why “values-aligned investing” only gets real when you zoom into something specific, like food How systemic failures are driving the wave of food recalls What’s behind the rising cost of food, and why it's not just inflation Connect with Julien and Kiersten on our website , Instagram , Twitter , and YouTube . Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away , named 2023 best overall book about investing by Business Insider and one of the best personal finance books by Forbes If you would like to learn more about investing, check out our newest class, Making Money Grow…

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Ep 205: Expat life - How to test the waters and decide if you should dive in 48:20

26 dagen geleden48:20

48:20

This week, we dive headfirst into the very timely topic of expating. Is it just a fantasy fueled by tough times or is there something deeper driving this urge to GTFO? In this episode, we're exploring the layers of this question. We break down the different flavors of expating, from slow travel hacks that let you vibe abroad for a few months with zero paperwork (hello, Schengen Zone!) to the allure of Digital Nomad Visas for those of us who can work from anywhere with Wi-Fi and a decent latte. We even get into the semi-permanent options and, for the truly committed, buying your way into citizenship. Ultimately, this episode isn't about escapism. It's about options, feasibility, and the very real trade-offs you need to consider when contemplating a life lived beyond your current borders. We discuss: The rise of "Plan B" thinking in the FIRE community and beyond Tourist stays and slow travel: Easy ways to get your feet wet abroad Digital Nomad Visas (DNVs): Working remotely from paradise (with a minimum income requirement, naturally) Extended visas and residency pathways: Semi-permanent solutions for a longer stay Naturalization and citizenship: The full commitment, from marriage to ancestry to buying your way in The "Split Life" Model: Six months here, six months there (the best of both worlds?) The real costs and considerations: Taxes, paperwork, culture shock, currency risks, and that annoying "ideological accent" you didn't even know you had. Our rule of thumb for financial feasibility: Is it really worth it? And if you know someone who's made the leap (or is seriously contemplating it), drop us a comment below! We're always looking for folks to interview for future episodes, especially if they have interesting stories or maybe even went back home after a few years. Connect with Julien and Kiersten on our website , Instagram , Twitter , and YouTube . Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away , named 2023 best overall book about investing by Business Insider and one of the best personal finance books by Forbes If you would like to learn more about investing, check out our newest class, Making Money Grow…

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Ep 204: Women’s History Month 2025 | Celebrating wins and fighting for more 40:58

5 weeks geleden40:58

40:58

Join a Shifting Wealth, Shaping Futures Circle today: https://investforbetter.org/swsf/ Not quite ready for a circle? Sign up for a free membership with Invest for Better: https://investforbetter.org/membership/ Get your ticket to the Northeast FI Camp Women's Weekend: https://khbfinancial.com/northeastficamps/ For information about future, co-ed events, sign up for their email list: https://eastcoastfi.kit.com/adab4cc93c For most of history, women weren’t just left out of wealth-building, we weren’t even in the conversation. Fast forward to today: Women are investing more than ever, making up a record percentage of stock market participants, growing businesses, and holding more financial power than at any point in history. That’s the win. But here’s the fight: We’re still paid less, still have less wealth, and the traditional financial playbook assumes everyone earns, invests, and retires like a man. This means even when we do everything right, we’re often playing catch-up. So this Women’s History Month, we’re asking: What happens when we go from participating to leading? We discuss : Why the wealth gap still exists even as women invest more than ever How to rewrite the financial playbook so it actually works for us Redefining financial confidence and owning it The investing strengths women already have and how to use them to win Using community as a secret weapon and connecting with other women like “rich aunties” who’ve been through it and have the wisdom to share. Connect with Julien and Kiersten on our website , Instagram , Twitter , and YouTube . Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away , named 2023 best overall book about investing by Business Insider and one of the best personal finance books by Forbes If you would like to learn more about investing, check out our newest class, Making Money Grow…

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Ep 203: Gen Z isn't the problem...Traditional financial advice is 46:07

6 weeks geleden46:07

46:07

Are you scratching your head trying to understand Gen Z's approach to…life? You're not alone! This week, we’re exploring the fascinating and sometimes frustrating world of Gen Z finances, why traditional financial advice often misses the mark with this generation, and what actually resonates with them. Every generation thinks they had it hard. And to be fair, most of them did. But Gen Z? They’re becoming adults in a world that looks nothing like the one we grew up in. Between AI disrupting entire industries, the attention economy turning regular people into millionaires overnight, and inflation making rent feel like a luxury item, it's no wonder their financial expectations (and anxieties) are sky-high. In this episode, we break down: Why traditional financial advice isn’t built for Gen Z’s reality The real reason they think they need $600K a year to be successful Budgeting vs. Earning: We debate whether traditional budgeting advice is still relevant in today's economy, or if Gen Z's focus on increasing income is the smarter approach. How careers, income, and investing have changed forever The biggest mistakes Millennials and Boomers make when advising them How this approach is different from hustle culture And most importantly, we share what actually works: learning how to earn, invest, and live in a world where stability is no longer the default setting. Whether you’re Gen Z trying to figure it all out, or just someone trying to understand them better, this episode is for you. Connect with Julien and Kiersten on our website , Instagram , Twitter , and YouTube . Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away , named 2023 best overall book about investing by Business Insider and one of the best personal finance books by Forbes If you would like to learn more about investing, check out our newest class, Making Money Grow…

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Ep 202: Shareholders are rewriting the playbook for social change 43:04

7 weeks geleden43:04

43:04

This week, we’re talking about impact investing, which if we’re being honest, is a phrase we used to think was reserved for people who call their parents by their first names. Turns out, it’s one of the closest things we have to financial resistance (with receipts!). This episode drops on the last Monday of Black History Month 2025, a month that, for once, felt less performative. Not because there wasn’t Black history being made, there was, just like there is every day of the year…but because the usual corporate spectacle was dialed down. The hashtags were quieter, the campaigns were fewer, and the message was clear. But Black history isn’t something we just look back on, it’s something we build. And for more people than ever, that means thinking differently about where our dollars go, not just as consumers but as investors. Here’s what we get into: Why politicians keep telling us to “mobilize” but rarely mention money The Target vs. Costco stock story that shows how companies respond when people start moving their money The difference between boycotting as a consumer and influencing as a shareholder How everyday investors now make up 25% of stock trading and why that matters Why ignoring your investments isn’t neutral and what it means to be intentional with your financial power And because knowledge without action doesn’t change much, we’re also talking about real steps you can take. Kiersten shares her experience with Invest for Better Circles, a program that changed how she thinks about money and impact (and made her rethink her own investments in the process). Plus, if you’re a Black woman looking for a space to learn about this in community, there’s a new cohort designed just for us. Link below. TAKE ACTION: 📌 Join the waitlist for the Shifting Wealth, Shaping Futures Circles for Black women 📌 Not a Black woman? No problem. Regular Invest for Better Circles are opening soon too Connect with Julien and Kiersten on our website , Instagram , Twitter , and YouTube . Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away , named 2023 best overall book about investing by Business Insider and one of the best personal finance books by Forbes If you would like to learn more about investing, check out our newest class, Making Money Grow…

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Ep 201: Quick Dip | Disney’s too expensive, Diamonds aren’t rare, and CEOs are leaving - What does it all mean? 44:39

8 weeks geleden44:39

44:39

Is the magic really gone, or are we just over it? This week's episode is a Quick Dip, where we're side-eyeing some old-school markers of success. We thought about calling this the "end of an era" edition but it might be too soon...you tell us! Think childhood trips to Disney, that diamond ring you're 'supposed' to want, and even that climb up the corporate ladder. We're wondering if these traditions still mean what they used to in a world that's changing so fast. The data suggests something is changing, but this episode is less about having all the answers and more about starting some real convos about what matters to us. First, we reference a recent Wall St. Journal article called “Even Disney is worried about the high cost of a Disney Vacation,” and talk about how rising costs are impacting families and challenging the park's cultural dominance. Then, we tackle the diamond industry and the growing popularity of lab-grown alternatives that promise the same quality at a fraction of the price. Finally, we dissect the current state of the corporate world, and talk about the current record high CEO turnover rates and what they signal about the evolving relationship between workers and employers. This episode also features leaked audio where JPMorgan's CEO, Jamie Dimon, uses explicit language when speaking to his employees. Key Takeaways: Manufactured Magic is Expensive: "Tradition" often comes with a hefty price tag, and it's time to question if the returns are worth the investment Ethical Consumption Matters: From lab-grown diamonds to supporting companies with values that align with our own, we have more power than ever to vote with our dollars Authenticity is the New Luxury: The pursuit of genuine experiences and personal meaning is replacing the need to acquire status symbols Connect with Julien and Kiersten on our website , Instagram , Twitter , and YouTube . Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away , named 2023 best overall book about investing by Business Insider and one of the best personal finance books by Forbes If you would like to learn more about investing, check out our newest class, Making Money Grow…

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Ep 200: Playing the long game and building a podcast that lasts 42:24

9 weeks geleden42:24

42:24

This week marks a significant milestone: our 200th episode of the rich & REGULAR podcast! In this episode, we’re taking a moment to reflect, not just on what we've built, but on the path we took to get here. Here’s what we cover as we peel back the curtain on the podcasting process: Our most memorable/favorite episodes It's more than just talking; it's an investment. From the upfront costs of good equipment like decent mics and mixers to the ongoing financial decisions involved with hosting and editing, offering guidance on where to allocate resources Monetization strategies: We talk about why monetization isn't as simple as it sounds, and the various ways you can monetize a podcast while outlining our decision-making processes. You'll hear how we dealt with sponsored content and podcast networks, and why we passed on opportunities that compromised our integrity. Even without celebrity guests or elaborate setups, why creating a podcast that resonates and makes a difference is achievable with authenticity, dedication, and a willingness to learn is possible We share our experiences inside podcasting communities and discuss some of the invaluable insights from networking. The episode is for aspiring podcasters who are just starting out or existing podcasters who are working hard to improve and grow. The important takeaways? Discoverability is HARD. Longevity requires dedication (so does building a community). And always, always remember to press record. We appreciate all of your support, notes, comments, and ratings and reviews that help us extend our reach. We can't wait to share the journey of the next 200 episodes with you. Links: Episode 172: Not just a diagnosis: A real talk about ADHD, money, and relationships Episode 72: Julien's vasectomy Episode 7: Financially Supporting a parent (our story) Episode 77: The shocking cost of funerals Episode 128: Short term trading vs. long term investing Connect with Julien and Kiersten on our website , Instagram , Twitter , and YouTube . Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away , named 2023 best overall book about investing by Business Insider and one of the best personal finance books by Forbes If you would like to learn more about investing, check out our newest class, Making Money Grow…

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Ep 199: Our answer to "Is it too late to start investing?" 49:33

10 weeks geleden49:33

49:33

This week we’re talking about "late bloomers" — the "over 40, mid-life-ish, but don't-say-that-to-us" gang who are just now getting their financial life together. This was a requested episode so we're skipping the generic "just do it" advice and getting into the nitty-gritty of what it actually takes to build wealth when you're not starting in your 20s. We're discussing the psychological hurdles, the structural roadblocks, and how to create a financial plan that works for you , no matter what age. If you're ready to say "enough" to feeling behind and start building your financial future, this episode is for you. Here’s what we cover: Why people become late starters The importance of accepting your starting point (no, we're not gonna sugar coat it) How to let go of the "what ifs" and embrace your new path Rewriting the rules when traditional financial advice isn’t always the most helpful Adapting strategies for a shorter timeline and setting goals that are both realistic and motivating The surprising power of community and why you should become a good neighbor Why automation and technology are your friends, not your enemies A reminder that your tax dollars can be a source of real benefits Take action: Help us out and leave a 5-star review on your favorite podcast platform Join the discussion and leave a comment on any of our social platforms Connect with Julien and Kiersten on our website , Instagram , Twitter , and YouTube . Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away , named 2023 best overall book about investing by Business Insider and one of the best personal finance books by Forbes If you would like to learn more about investing, check out our newest class, Making Money Grow…

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Ep 198: What happens when we stop shopping? 40:55

11 weeks geleden40:55

40:55

This week’s episode is all about shopping bans and the no-spend trend. This month our social media feeds have been flooded with one thing: people swearing off shopping. Like, really swearing it off. We see everything from no-spend months, to shopping bans, and even boycotts. And we get it. After the consumerist frenzy of the holidays, that pull towards simplicity or a “less is more” approach almost feels…. revolutionary. We've been covering this topic for years, and this "new" trend is like seeing an old friend get a new haircut and a different outfit. It looks like it’s changed, but it's got the same good bones. In this episode, we explain why cutting off all spending has become so popular, the hidden psychology behind it, and whether it's a genuine path to financial health or just another form of deprivation disguised as wellness. Takeaways: Shopping bans aren't a one-size-fits-all solution. They can be helpful for some, but can also backfire if not approached thoughtfully. "Abstinence-only" approaches can lead to deprivation. It’s important to address the root cause of our spending. We have a consumption problem. The story about the clothing donations after the California fires highlights the scale of this problem. It’s about being intentional, not restrictive. We share a “glass of water effect” metaphor to help you reframe your relationship with spending Listen to the full episode for our 3-step approach to cutting back on spending. We give you the keys to reevaluating your habits this year (shout out to “listen to end” gang! #iykyk) If you're tempted to swear off all shopping, or even if you're just curious about what's driving this trend, tune in Links: Episode 95: No spend challenges Episode 189: Underconsumption isn’t a trend, it’s a lifestyle LA donation centers are overwhelmed by all the clothing donations Connect with Julien and Kiersten on our website , Instagram , Twitter , and YouTube . Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away , named 2023 best overall book about investing by Business Insider and one of the best personal finance books by Forbes If you would like to learn more about investing, check out our newest class, Making Money Grow…

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Ep 197: How to spot a scam 55:03

12 weeks geleden55:03

55:03

This week, we’re dissecting the art of the modern scam. We've all experienced the subtle unease of a pitch that just doesn’t feel right, but in an era where the line between marketing and deceit is dangerously thin, it’s important to stay aware so you don’t get hoodwinked and bamboozled. We Discuss: Why we need to stop confusing charm with legitimacy How corporations are now using MLM tactics Why companies who use hard-sells aren’t actually interested in your problems. Why financial fraud is about to hit an all time high and what to do about it. Why it's important to know the history of your "expert" How fake reviews and stock photography can get you into trouble Why anonymous instructors should raise a red flag That sometimes the product isn’t the product and it’s a recruiting tactic instead. And lastly how not having a password manager is as foolish as a newborn walking in the street (or at least that’s how Julien sees it). Key Takeaways: The “free speech” era will unleash more digital scammers Learn to differentiate between a legitimate business and a scam, and where your responsibility lies in the purchase. Urgency is a primary tool of manipulation. Overly charismatic personalities and flashy presentations are not proof of legitimacy. You should be able to see who you’re giving money to, not just the brand's face. Real testimonials are verifiable, they’re not based on stock photography and manufactured bots. The best defense against manipulation is informed skepticism. That sometimes if you can buy a product, you’re being used to recruit. You must prioritize password changes and offline time as a preventative measure. Links: Financial technology toolkit The five levels of hype Connect with Julien and Kiersten on our website , Instagram , Twitter , and YouTube . Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away , named 2023 best overall book about investing by Business Insider and one of the best personal finance books by Forbes If you would like to learn more about investing, check out our newest class, Making Money Grow…

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Ep 196: Take your seat at the table with Anthony O’Neal 57:31

13 weeks geleden57:31

57:31

This week, we're joined by entrepreneur, speaker, and author, Anthony O'Neal. You may know him from his incredibly popular YouTube channel or, maybe, from his previous book, "Debt-Free Degree." But Anthony's back with a new book called "Take Your Seat at the Table," which is all about taking control of your life, money, and future. If you’re unfamiliar with his work, he’s not your typical financial guru. He’s a self-made entrepreneur who went from being homeless to building a 7-figure business, and he’s bringing his wisdom back to the communities that are systematically left out of the financial conversation. This episode is for anyone tired of the same old financial advice and ready to take control of their future. Anthony challenges us to ditch the idea that wisdom comes solely from age and embrace the power of lived experience. He urges us to kill the comfort that's holding us back and encourages us to build our own tables and then invite in the people who truly align with our vision. What we get into: The catch-up: We start this conversation like you would a chat with a good friend. We talk about what life is like now that his YouTube channel is booming, and we even get a little glimpse of his journey to find love Challenging the status quo: We dig into the question, "Why should I listen to him?" and explore what it means to gain wisdom from life experiences over traditional credentials Leaving comfort behind: We dissect why so many folks are stuck in comfortable situations when they're clearly meant for more Formal vs. practical learning: Now that he’s working on his MBA, Anthony shares his thoughts on the value of a formal education alongside "street smarts" and why that balance is key to success His new book, "Take Your Seat at the Table:" You can't have a financial conversation without addressing ownership, power, and the folks who have a seat at YOUR table. We talk about why kicking out the wrong people is just as important as inviting in the right ones. How his recent trip to Ghana reframed his perspective on the Black community and the role it plays in building wealth. The future of making money: We discuss using platforms like YouTube and podcasts to build a better economic future. Links: Keep up with Anthony on his website , YouTube , Instagram , and TikTok Get his new book: Take Your Seat at The Table: Live and Authentic Life of Abundance, Wellness and Freedom (Jan. 14, 2025) Connect with Julien and Kiersten on our website , Instagram , Twitter , and YouTube . Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away , named 2023 best overall book about investing by Business Insider and one of the best personal finance books by Forbes If you would like to learn more about investing, check out our newest class, Making Money Grow…

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Ep 195: The money trends you can’t ignore in 2025 51:22

14 weeks geleden51:22

51:22

This week, we’re breaking down the top stories and trends that will shape how we all earn, spend, and invest our money in 2025. And we’re not just looking at the year ahead, we're confronting the messy reality of now. If you're feeling like the financial ground is shifting beneath your feet and like the old rules don't apply anymore, then this episode is for you. If you're tired of feeling like you're chasing trends instead of building a future, or if you're ready to take control of how you earn, spend, and invest in a world increasingly influenced by algorithms and AI, then you need to tune in. We're not offering a magic bullet, but we are offering a real conversation with practical takeaways, designed for anyone who's ready to stop feeling overwhelmed and start making intentional choices with their money. This episode is for the curious, the proactive, and those who are determined to build financial well-being on their own terms. We’re tackling: The 2024 Words of the Year including the meaning of "brain rot" and how it's affecting us all, mentally and financially The stock market's continued dance with AI, and what that really means Why getting clear about your risk tolerance is the most important financial decision you can make this year The rise of "buy now, pay later" and its impact on consumerism The fact that the "future of work" is here, and how to adapt The surge in cryptocurrency, and what that could mean for your investments Why 2025 is the perfect time to redefine luxury and spend with greater intention The power of your own humanity and why it will become increasingly valuable Links: Episode 143: The top stories impacting your money in 2024 Connect with Julien and Kiersten on our website , Instagram , Twitter , and YouTube . Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away , named 2023 best overall book about investing by Business Insider and one of the best personal finance books by Forbes If you would like to learn more about investing, check out our newest class, Making Money Grow…

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Ep 194: New Year, New Why: A Purpose-Driven plan for 2025 with Dr. Jordan Grumet 47:42

15 weeks geleden47:42

47:42

Is your "purpose" making you anxious? Do you feel like everyone online is "living their best life" except for you? Then you've come to the right place. It's January and you're probably knee-deep in resolutions that may or may not last past the first week. But forget the trendy diets and the overly ambitious gym routines. This year, we're going deeper and talking about a purpose reboot - not the "new you" version fueled by fleeting motivation, but the kind built on self-awareness, intentional choices, and a healthy dose of skepticism about the pressures to optimize our lives. This week, we sit down with the brilliant Dr. Jordan Grumet (aka Doc G) to talk about his latest book "The Purpose Code." Jordan, a former hospice doctor and a 90s hip-hop head, is not here for the fluffy, Instagrammable version of purpose. He’s no stranger to the intersection of hard choices and meaning and he’s here to break down what actually makes life feel meaningful. We dive into: The “Big P” purpose trap (think: social media, fame, riches, etc.) and why it might be sabotaging your happiness. The secret sauce of "Little P" purpose (think: the things that actually make you feel alive) How religion and social media can be both a blessing and a curse in the purpose department Why you need to be the hero in your story, not the victim of your past How to use your money as a tool for fulfillment, not a checklist of achievements The parental purpose myth (this one is controversial, y'all) What real legacy looks like…is our legacy up to us to decide? Or is it a story that will be told by the generations that follow? Links: Buy Jordan’s latest book The Purpose Code Listen to The Earn & Invest podcast or join the Facebook group Connect with Julien and Kiersten on our website , Instagram , Twitter , and YouTube . Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away , named 2023 best overall book about investing by Business Insider and one of the best personal finance books by Forbes If you would like to learn more about investing, check out our newest class, Making Money Grow…

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