rich & REGULAR is the podcast for people who want to take charge of their money, pay off their debt, build their wealth, and live their best lives without being obsessed with money. Every week, Kiersten and Julien Saunders show you how money intersects with everything else in your life and teach you how to use it to your advantage. They share their insights and tips on how to make, save, and invest money in creative and unconventional ways. They also help you understand the big changes that ...
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Ep 189: Underconsumption explained: How to live below your means and love it
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This week, we’re unpacking the surprisingly trendy world of underconsumption. Is it a Gen Z TikTok trend? A millennial coping mechanism? A wise old soul's secret weapon? The answer is YES to all of the above. In this episode, we cover: How to avoid overspending this holiday season on food and gifts. We even share our hard-won lessons on dealing wit…
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Ep 188: The political divide is more than just red vs. blue
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This week, we’re unpacking the raw emotions and anxieties that followed the recent election. We explore the stark reality of a country deeply divided, not just politically, but also in terms of our visions for the future. This election wasn't just about who won. It was about a country that, frankly, feels more like it's been severed in half than un…
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Ep 187: The 2024 Presidential Election and the Price of Everything
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It’s 2024, and inflation is the number one concern for voters. Today we’re unpacking both candidates' distinct approaches to addressing it. We discuss Kamala Harris's and Donald Trump's plans for tackling the rising cost of living, taking a closer look at their proposals and the underlying political and economic philosophies that drive them. Prepar…
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Ep 186: Preparing for a different life with Dr. Preston Cherry
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In this special solo episode, Julien and Dr. Preston Cherry discuss the intersection of financial planning and personal well-being. Dr. Cherry brings a unique perspective and combines the rigor of financial expertise with the nuanced understanding of a therapist. He's here to tackle those awkward conversations with your partner about finances, the …
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Ep 185: ‘The Quick Dip’ | Cord Cutting, Social Security, and the Stock Market
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This week, we're returning to our "Quick Dip" format, where we explore three timely topics, giving you the need-to-know without the fluff. First up, is cord-cutting still worth it? Julien shares his long history of cord-cutting, which began long before he met Kiersten, and she shares her own journey to embracing a cable-less lifestyle. We discuss t…
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Ep 184: How to automate your savings (and finally get ahead)
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This episode is for anyone who's ever said, "I wish I could just save more money" because we're spilling the tea on how it’s done (and more specifically, how to automate it) PAY YOURSELF FIRST. Yes, it sounds simple, but it's the kind of simple that's surprisingly difficult to pull off when you're battling bills, student loans, and a dozen ads feat…
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Ep 183: The "Great Salary Reset" and the do’s and don’ts of taking a pay cut
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This week, we're unpacking the murky waters of pay cuts and those awkward conversations where your boss wants you to do the same work for less. It's an increasingly common brutal reality, but you don't have to just roll over and take it. We explore the different types of pay cuts: those forced upon you (like when you're forced back into the office)…
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Ep 182: Cashing In: NIL and the New Business of Being a College Athlete
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This week we're diving into the world of NIL, or Name, Image, and Likeness, and how this new, HUGE opportunity will impact youth sports. Think you're not impacted by NIL? Think again! This episode is for athletes, parents, coaches, and anyone who wants to understand how NIL is changing the game. And if you've got a kid with any sort of athletic tal…
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Ep 181: The No-Hustle Side Hustle: Finding Joy & Freedom in Your Side Gig
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We’re all familiar with the pressure to make extra cash, but what if your side hustle wasn't just extra work, but an opportunity to tap into your existing skills? This week we’re discussing long-term side hustles with one of Kiersten’s best friends, Lauren. Lauren's side hustle (teaching fitness classes) evolved into a passion project that fuels he…
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Ep 180: Decoding Consumerism | Dr. Marcus Collins on How Culture Impacts Our Spending
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Do you ever wonder why you buy things you don't need? This episode explores the fascinating (and sometimes alarming) ways culture shapes our budgets. We’re talking to Dr. Marcus Collins, who is a scholar of the hidden messages of consumption, a marketing professor at University of Michigan's Ross School of Business, and the author of For The Cultur…
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Ep 179: F.I.R.E. For Dummies with Jackie Cummings Koski
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This week, Jackie Cummings Koski, author of "F.I.R.E. For Dummies," sits down with us to share her personal experience and offer some wisdom for anyone, no matter how late they are in the game, to begin building their financial future. This episode isn't your typical FIRE fantasy. As a Black, divorced, single mom who retired with $1.3 million at ag…
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Ep 178: Franchising 101 | Demystifying the hype
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Are you dreaming of owning your own business? Maybe you picture yourself running a bustling coffee shop or a sleek fitness studio in the perfect area of your town. Franchising often seems like the shortcut to that dream – a pre-packaged path to success, where the brand and the system are already in place. But, as with most things in life, the reali…
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Ep 177: Choosing a debt payoff strategy and why it matters how you approach it
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You've heard of the Snowball and Avalanche methods, but which one is right for you? In this episode, we discuss the nuances of these popular debt payoff strategies, exploring the psychology behind each and how they might affect your financial journey. We're not here to shame you about debt. Let’s be real, in this economy, it's practically a badge o…
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Ep 176: How cash-producing assets solve the 'Net Worth vs. Cash Flow' debate
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Is it better to focus on building wealth (net worth) or making sure you have enough money coming in to cover your bills (cash flow)? This question represents a classic financial tug-of-war, and the answer, as you might have guessed, is both. So this week, we’re tackling both sides of the argument and reminding you why you don’t have to choose. Cash…
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Ep 175: Investing while stocks are “overvalued” (and how to stay grounded)
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This week we’re talking about the stock market's latest tantrum and what it means for YOU. (Spoiler: maybe not as much as you think!) 🤫 In this episode we’re breaking down the psychology of fear and hype, and talking about how to avoid getting caught up in the noise while building a long-term strategy that makes you more confident and less stressed…
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Ep 174: Introducing 'The Quick Dip' | Short Takes on Big Ideas
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This week we're ditching the usual deep dives and trying a new format. The Quick Dip is where we embrace shallow takes, and in this episode we’re talking about everything from the Olympics and bankruptcy to the creepy world of personalized pricing. First we tackle the Olympic exploitation issue, questioning the disparity in pay and prize money for …
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Ep 173: What We Learned from Our Search for Affordable Housing for Aging Parents
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This week we’re talking about the emotionally charged world of affordable housing, as we share the story of our journey to find suitable housing for Julien’s mother. This episode is a must-listen for anyone grappling with the complexities of aging parents and their life after retirement, financial instability, and the often-overlooked reality of th…
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Ep 172: Not just a diagnosis | A real talk about ADHD, money, and relationships
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"I was so sad that this might be the case, that I might have ADHD." This week we're peeling back the layers of Kiersten’s late diagnosis of ADHD. This episode is unlike any other as we get personal about Kiersten's diagnosis, the societal pressures that shaped her understanding of it, and the impact it has on her relationship with Julien and with m…
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Ep 171: Why You Need a Brokerage Account: The Swiss Army Knife of Investing
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Many of us know we should be investing for our retirement through accounts like a 401K, but how many of us also have a brokerage account? Think of a brokerage account as a Swiss Army knife for your financial life. It can help you save for retirement, invest for the short-term, and even handle unexpected financial challenges. In this episode, we unc…
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Ep 170: Why We Fight About Money (and how to stop hitting below the belt)
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Money is a hot topic, and it's easy for disagreements to turn into full-blown fights. In this episode, we dive into the common reasons why we fight about money with our partners, family members, and even friends. We explore how our past experiences, cultural influences, and even the nature of our brains can lead to conflict and how to navigate thes…
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Ep 169: Stock Splits: Unpacking the Hype
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There's a lot of buzz around stock splits these days. Nvidia, Walmart, Chipotle - everyone's talking about it! But, as we explained on the podcast, this isn't the financial revolution you might think it is. A stock split is a simple concept: it's like taking a whole pie and cutting it into more slices. You don't end up with more pie; you just have …
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Ep 168: Introducing Season 3 of Money on the Table: Back to Basics (and Better Conversations)
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We're excited to be back with a new season of our award-winning original video series, Money on the Table. This episode dives into the origins and inspiration behind Season 3 and why we decided to return to our humble home kitchen for these conversations. We’re unpacking why those authentic, no-holds-barred conversations about money are dang import…
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Ep 167: My journey through fatherhood | A special Father's Day message
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Happy Father’s Day to all the Dads! In this special solo episode, Julien offers a heartfelt and inspiring look into the actual experience of fatherhood. He gives a refreshing perspective on fatherhood and opens up about his own journey, sharing a powerful message of presence, growth, and the role of a dad. Julien takes us on a personal exploration,…
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Ep 166: The “Zero-naire” effect and finding confidence in the smaller wins
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It’s time for your 2024 midyear money check-in and in this episode, we discuss the importance of celebrating the overlooked smaller financial wins and milestones. We know the feeling – it's easy to get caught up in big goals, like buying a house or retiring early. But what about the smaller victories along the way? Julien reflects on the feeling of…
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Ep 165: The "Soft Life" and How to Align Your Money Goals with Ease
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This episode is a special one, inspired by a listener suggestion based on a recent event Kiersten spoke at with Ally and UnitedMasters called SelectCon! We're diving into the concept of the "soft life" and how it relates to money, financial goals, and entrepreneurship. Here's what we cover: SelectCon: We start by discussing our experience at Select…
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Ep 164: The New Rules of Success | Why 'get paid' beats 'follow your passion'
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It's graduation season and the Class of 2024 faces a unique set of challenges: crushing student loan debt, a competitive job market, and the constant pressure to "hustle." In this episode, we're cutting through the noise and giving real, actionable advice for the new world of work. In this episode, we talk about: The truth about student loan debt: …
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Ep 163: Beyond Summer Camp | Unconventional ways to fill the summer void
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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…
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Ep 162: Get Noticed, Get Hired: How to sell yourself and win in this job market
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The job market is more competitive than ever. Even with the perfect resume and impressive credentials, landing your dream job (or even a decent one) feels impossible. What's the missing piece? This episode dives into the unspoken truth: you need to learn how to sell yourself. We're tackling the tough questions: Why is self-promotion so important in…
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Ep 161: Life after Shark Tank | CurlMix CEO Kim Lewis on Building a Beauty Empire Her Way
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This week we're discussing the inspiring journey of Kim Lewis, CEO of CurlMix, as she shares her experiences and insights on building a successful business and challenging societal norms. The conversation highlights the ups and downs of entrepreneurship, her experience with Shark Tank, fundraising insights and how her relationship with money has ch…
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Ep 160: Financially Lit! Leveling up your dinero with Jannese Torres
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This week we’re chatting with Jannese Torres, the proud Latina behind the new book "Financially Lit!" and the Yo Quiero Dinero community. We talked about her incredible journey to financial independence, breaking free from traditional paths and the importance of redefining success and wealth. Jannese opened up about her experience being laid off fr…
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Ep 159: Rewriting the Rules of Finance | A conversation with Yvette Butler, CEO, Founder of Hive Wealth
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In this conversation, Yvette Sadler Butler, CEO and founder of Hive Wealth, discusses her journey in the financial services industry and how it influenced the creation of Hive Wealth. In it, she shares her vision of making finance more inclusive and accessible to everyone through financial planning powered by AI. The conversation explores the rise …
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Ep 158: Must-Have Kitchen Tech for Busy People
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If you want to know the secret to stress-free cooking at home this episode is for you! This week, we're exploring the world of kitchen technology that can help you save money, eat healthier, and make cooking at home easier and more enjoyable. We'll discuss our personal experiences with various gadgets, highlighting the benefits for both novice and …
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Ep 157: Spreading F.I.R.E. and Financial Joy | A conversation with Ken and Mary Okoroafor
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Ken and Mary Okoroafor based out of the UK and founders of The HumblePenny.com discuss their life and new book Financial Joy. In this conversation, they share their journey of starting their blog and the importance of representation in the personal finance space. They discuss the advantages of raising their children to be investors and the importan…
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Ep 156: Survive & Advance | The Ultimate Guide to Financial Resilience with Lynnette Khafani-Cox
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This week we’re joined by author and personal finance expert Lynnette Khalfani-Cox to discuss the importance of financial resilience and the strategies for bouncing back from setbacks. Lynnette dives into the core concepts from her book "Bounce Back: “The Ultimate Guide to Financial Resilience and explores the emotional side of financial challenges…
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Ep 155: The FinTech Toolkit: Conquering Financial Fear and Fraud
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To get your copy of the FREE Financial Technology Toolkit, click here and we'll send your guide directly to your email address. To learn more, visit the rich & REGULAR blog here Tech literacy isn't a one-and-done skill. It requires continuous learning and adaptation as innovation marches on. And there are very few areas that are being transformed b…
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Ep 154: Why you need a plan for unexpected "windfall" money
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In this episode, we’re discussing how to manage a windfall, whether it's a sudden influx of money from investments, bonuses, or unexpected events. We share our personal experiences with windfalls and the importance of splurging and treating yourself to experiences. We emphasize the need to resist the urge to act quickly and instead create a wish li…
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Ep 153: Q&A | Should I support my husband? We respond to a listeners email.
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In this episode, we respond to an email from a woman who wanted to know when to give up on a trucking business she started with her husband. The conversation covers topics such as faith, confidence, financial planning and finding the right partners, and we provide advice on calculating the cushion needed to support the business, as well as the impo…
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Ep 152: Katherine Morgan Schafler | The Perfectionist's Dilemma and how to balance your high standards with your happiness
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Happy Women's History Month 2024! What does it mean to be a perfectionist? Is it a blessing or a curse? How does it affect your relationship with money, yourself, and others? In this special solo episode, Kiersten chats with Katherine Morgan Schafler, a psychotherapist and coach who helps people overcome perfectionism and live authentically. They t…
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Ep 151: Raising a rich kid | featuring our son Beau
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In this episode, we’re talking about how we parent our son Beau and teach him about money. We share our philosophy of raising a rich kid, not by giving him everything he wants, but by teaching him the value of saving and investing from a young age. We also talk about the pressure we feel as parents to provide more for our child, and how we use self…
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Ep 150: The Confidence Trap | How risk affects your investments
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In this episode, we talk about the concept of overconfidence in investing, also known as the confidence trap. We explain why confidence is important and how it can either help or hinder us in achieving our goals. We also examine the role of ego in investing and how it affects our self-image as investors and use culinary references and personal stor…
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Ep 149: Fashion vs. Frugality | How a capsule wardrobe can save you time and money
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In this episode, we discuss capsule wardrobes and how this approach can help people save time and money. In it, they explore how men and women differ in their adoption of the tactic. Specifically, men are more likely to call a capsule wardrobe a uniform. They also discuss the high costs associated with maintaining a professional wardrobe and what t…
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Ep 148: Is FIRE really a movement? | A special Black History Month episode
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This week we're diving deep into the heart of the FIRE (Financial Independence, Retire Early) movement and asking whether it's really a movement...or just a quirky personal finance trend. We explore the intersections of history, finance, work culture, technology, and societal change and discuss what defines a movement, how FIRE has benefited from s…
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147: Is a Costco membership worth it?
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What does it mean to be a Costco member in 2024? This week we’re loud budgeting our grocery bill and discussing our recent decision to get a Costco membership. We share our initial impressions of the store, the perks we have enjoyed so far, and a few factors to consider when deciding whether a Costco membership is right for you. Food is a Big 3 exp…
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Ep 146: Jamila Souffrant | Finding Freedom within a Framework
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This week our guest is Jamila Souffrant, host of the Journey to Launch podcast and author of the new book, Your Journey to Financial Freedom. In this conversation, we discuss her journey to financial independence and the lessons she has learned along the way. We talked about how she reached her breaking point and decided to pursue financial indepen…
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Ep 145: 4 Common Layoff Mistakes to Avoid
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In this episode, we’re peeling back the layers of the recent layoff phenomenon, a storm that’s been brewing and hit hardest in 2023. Our take is that it’s not just about job loss; it’s a cultural shift within organizations that leaves a lasting imprint. This episode is here to help you navigate this storm, armed with insights and strategies that im…
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Ep 144: JL Collins | Find a Path or Make One
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This week, we have a special guest: JL Collins, the Godfather of the Financial Independence movement. He’s here to talk about his new book, ‘Pathfinders’, where he shares the stories of people who have achieved financial freedom in different ways. He shows us that there is no one-size-fits-all formula for success, and that we have to find our own p…
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Ep 143: The top stories that will impact your money in 2024
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This episode is about three stories that will change the way you invest, spend, and earn your money in 2024. They aren't predictions, but trends that are already happening and will likely continue. We start by reviewing what happened in 2023 and how it changed our perspective on money. Then we go into the first story, which is how the stock market …
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Ep 142: How we paid off $200K in debt
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If paying down debt is one of your 2024 goals, this episode is for you. This week we're telling the story of the greatest gift we've ever given ourselves - debt freedom. We paid off $200,000 in five years, but that's not the whole story or the most interesting part. In this episode, we explore the emotional impact of debt, the different approaches …
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Ep 141: Sober Curious - Lessons from 3 years of drinking less
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If you want help cutting back on drinking using neuroscience, try the Reframe App for free with a 1-month trial using Julien's referral link. A few years ago, we decided to experiment with drinking less alcohol and participated in Dry January. It was supposed to be a one-time thing but it changed how we think about alcohol. We were surprised by how…
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Ep 140: Does sharing your salary help you earn more?
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This week, we're talking about pay transparency, its importance, generational differences, cultural shifts, and the impact on the workforce. The conversation delves into the top-down and bottom-up approaches to pay transparency, the role of social media, and the power struggle surrounding this controversial issue. Takeaways Pay transparency is an i…
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