Journey To Launch

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 Other related blog posts/links mentioned in this episode: Join the Student Loan Debt Movement The College Investor's Email Course for Journeyers Studentloan.gov Public Service Loan Forgiveness Program Info How We Saved $169,000 in 2 Years With the Help of This Budgeting System 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 Robert on: Twitter Facebook Instagram The College Investor Connect with me: Journey To Launch Instagram Journey To Launch Twitter Journey To Launch Facebook Page Join the private Facebook Group

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: Frugalwoods' Uber Frugal Month Challenge Frugalwoods' Uber Frugal Month Challenge Meet the Frugalwoods: Achieving Financial Independence Through Frugal Living Book Pre-order and Signed Bookplate How We Saved $169,000 in 2 Years With the Help of This Budgeting System 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 The Frugalwoods on: Twitter Facebook Instagram Frugalwoods.com Connect with me: Journey To Launch Instagram Journey To Launch Twitter Journey To Launch Facebook Page Join the private Facebook Group

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: Tela's Website With Free Stock Market Course Tela's free Stocks and Profit Facebook Group 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 Tela on: Twitter Facebook Instagram TelaHolcomb.com Connect with me: Journey To Launch Instagram Journey To Launch Twitter Journey To Launch Facebook Page Join the private Facebook Group

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: The article about the racial wealth gap Art's Free Estate Planning Workbook Art's Email Legal-Ease Course 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 Art on: Twitter Facebook Instagram Podcast: Legal-Ease for Entrepreneurs ArtSteele.co Connect with me: Journey To Launch Instagram Journey To Launch Twitter Journey To Launch Facebook Page Join the private Facebook Group

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: Andy's Blog & Podcast BuzzFeed's 27 Podcasts You Need To Start Listening To in 2018 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 Andy: Marriage Kids & Money Blog & Podcast Andy on Twitter Andy on Facebook Connect with me: Journey To Launch Instagram Journey To Launch Twitter Journey To Launch Facebook Page Join the private Facebook Group

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: The Complete Works of Florence Shinn 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: Journey To Launch Instagram Journey To Launch Twitter Journey To Launch Facebook Page Join the private Facebook Group

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: ChooseFI Facebook group Dave Ramsey Mad Fientist Radical Personal Finance 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 Timika: Timika's blog -The Reluctant Frugalist Connect with me: Journey To Launch Instagram Journey To Launch Twitter Journey To Launch Facebook Page Join the private Facebook Group

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: Whitney's Blog The Money Nerds Podcast The Money Summit The Power of Habit by Charles Duhigg Dave Ramsey Leave me a voicemail- Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch my CBS News Segment 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 Whitney: Whitney on Twitter Whitney on Instagram Whitney on Facebook Connect with me: Journey To Launch Instagram Journey To Launch Twitter Journey To Launch Facebook Page Join the private Facebook Group

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: Paychecks and Balance Podcast Marcus' book: Debt free or die trying 15 Minute Budget Paychecks & Balances podcast episode 68: Don't Cost Yourself $600K Bank Rate Cost of living Calculator CNNMoney's Calculator DigitPaychecks and Balances video with CBS 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 Marcus & Rich: Marcus' info Twitter Instagram Rich's info Twitter Instagram Paychecks and Balances: Twitter Facebook Connect with me: Journey To Launch Instagram Journey To Launch Twitter Journey To Launch Facebook Page Join the private Facebook Group

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: Twitter Facebook Instagram Podcast: Side Hustle School chrisguillebeau.com Connect with me: Journey To Launch Instagram Journey To Launch Twitter Journey To Launch Facebook Page Join the private Facebook Group

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: Journey To Launch Instagram Journey To Launch Twitter Journey To Launch Facebook Page Join the private Facebook Group

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: Journey To Launch Instagram Journey To Launch Twitter Journey To Launch Facebook Page Join the private Facebook Group

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: Journey To Launch Instagram Journey To Launch Twitter Journey To Launch Facebook Page Join the private Facebook Group

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: Gwen's blog: Fiery Millennials Jay's blog: Millennial Boss Listen to the FIRE Drill Podcast Connect with me: Journey To Launch Instagram Journey To Launch Twitter Journey To Launch Facebook Page Join the private Facebook Group

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 Bola's website: Clever Girl Finance Bola's podcast: Clever Girls Know Find Bola on Instagram, Facebook , Twitter and Youtube Connect with me: Journey To Launch Instagram Journey To Launch Twitter Journey To Launch Facebook Page Join the private Facebook Group

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. Connect with Hilary Hilary's podcast: Profit Boss Radio Hilary's website: Hilary Hendershott Profit Boss Live Event Connect with me: Journey To Launch Instagram Journey To Launch Twitter Journey To Launch Facebook Page Join the private Facebook Group

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: Journey To Launch Instagram Journey To Launch Twitter Journey To Launch Facebook Page Join the private Facebook Group

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: choosefi.com Choose FI on Facebook Choose FI on Twitter Connect with me: Journey To Launch Instagram Journey To Launch Twitter Journey To Launch Facebook Page Join the private Facebook Group

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: couplemoney.com Couple Money Facebook Page Couple Money on Twitter Couple Money on Instagram Connect with me: Journey To Launch Instagram Journey To Launch Twitter Journey To Launch Facebook Page Join the private Facebook Group

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: Journey To Launch Instagram Journey To Launch Twitter Journey To Launch Facebook Page Join the private Facebook Group

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: financiallyintentional.com Naseema Facebook Page Naseema's Facebook Group Naseema on Instagram Connect with me: Journey To Launch Instagram Journey To Launch Twitter Journey To Launch Facebook Page Join the private Facebook Group

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: rootofgood.com Root of Good On Facebook Root of Good On Twitter Connect with me: Journey To Launch Instagram Journey To Launch Twitter Journey To Launch Facebook Page Join the private Facebook Group

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: bottomupwealth.com On Facebook Connect with me: Journey To Launch Instagram Journey To Launch Twitter Journey To Launch Facebook Page Join the private Facebook Group

We are in the home stretch of 2017. How are you doing with your goals? In this episode, I give you some tips on how to finish out the 4th quarter of the year strong. In order to set goals you can accomplish, you must make them S.M.A.R.T: S- Specific M - Measurable A- Achievable R- Results Focused T- Timely Next, I talk about the different points you can be on when pursuing Financial Freedom. You can either be a Beginner Journeyer, Intermediate Journeyer or Advanced Journeyer. If you want to find out where you fit on the Journeyer scale, take this quiz. Lastly, I answer two listener questions from my voicemail. The first is from Ana who asks if she should take money out of her pension from a previous employer and the other is from Amber who wants to know the financial costs she should consider before going to law school. If you want to leave a voicemail question for me to answer on the podcast, click here. Other related blog posts/links mentioned in this episode: Where Are You On Your Financial Journey Take the Journeyer Quiz 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 me: Journey To Launch Instagram Journey To Launch Twitter Journey To Launch Facebook Page Join the private Facebook Group

Investing in real estate can be very risky yet very rewarding. Learn how Kendra Barnes without knowing much, in the beginning, started her fast-growing real estate empire. It all started when she and her husband had an epiphany while playing a board game which inspired them to get serious about building wealth and they haven't looked back since. While buying real estate isn't for everyone (as discussed in last week's podcast episode with Kristy & Bryce), if you do your proper research and invest wisely, you can eventually build a nest egg of asset producing properties that will serve you well on your path to Financial Freedom. In this episode with Kendra Barnes we discuss the following: How she and her husband owned seven rental units by the time they were 30 years old Why and how real estate is a good or not so good investing option for people What makes someone successful as a real estate investor What are the steps someone can use to buy their very first property (especially if they don't have much money) Tips for someone living in a HCOL area who wants to get into the real estate game The costs that you should be prepared for when buying and maintaining an investment property and primary residence Why you need to step out of your comfort zone to build wealth plus so much more! Other related blog posts/links mentioned in this episode: Kendra's site- The Key Resource Naca.com Loftium.com Episode 11- Rejecting Homeownership, Traveling the World & Retiring by 31 Years Old 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 Kendra: thekeyresource.info on Instagram on Facebook Connect with me: Journey To Launch Instagram Journey To Launch Twitter Journey To Launch Facebook Page Join the private Facebook Group

Meet Krysti Chen & Bryce Leung, two millennials that decided to invest and retire early rather than buy a home in their high cost of living area, Toronto, Canada. They retired from their jobs at the age of 31 years old by working hard, prioritizing their spending and making smart investments and now they are traveling the world and sharing their experience with us. Krysti and Bryce decided to figure out a lifestyle that would work best for them and made their dreams of early retirement come true. In this interview, we discuss the following: The actual steps they took to retire at 31 What gave them the motivation to start saving and cutting back on their "spendy" lifestyle and how they continued to keep their expenses in check while growing their income Why they don't believe home ownership is for everyone and dismantling the thought of homeownership as part of the "dream" How they deal with operating in a society where we are conditioned to believe that what we do for a living equals our worth How they manage to travel the world on a moderate budget plus much more! Other related blog posts/links mentioned in this episode: Visit Krysti & Bryce's site- Millennial-revolution.com Blog Posts - Would We Be Richer If We'd Bought A House, How They Got Here Series Part 1, Free Investment Workshop Mr. Money Mustache's Blog 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 Krysti & Bryce: Millennial-revolution.com on Twitter on Facebook Connect with me: Journey To Launch Instagram Journey To Launch Twitter Journey To Launch Facebook Page Join the private Facebook Group

What does someone have to go through to come from nothing, become a millionaire, lose it all, only to gain it back all again? Meet, Patrice Washington, America's Money Maven, best selling author, speaker, and money coach. Patrice is also a regular on the Steve Harvey Morning show as his resident finance expert and has also made appearances on Doctor Oz and other major news outlets where she shares her money expertise and tips. I first met Patrice at Podcast Movement 2017. I was always a fan of her platform and she was so welcoming when I introduced myself. We hit it off immediately and I asked her to sit down with me and chat about her story and rise to become "America's Money Maven" LIVE at Podcast Movement at the FinCon booth. Patrice really opened up about her journey, the highs and lows of what it took to become the woman she is today. In our conversation, we discuss so much, including: Her childhood and how it shaped her to be a go-getter and entrepreneur How she became a real estate mogul and millionaire by the age of 25 Her lowest point of losing all of her money and investments which led her to an epiphany that would change everything How seeking wisdom and following her purpose allowed her to gain it all back and more The steps she took to become who she is today Why becoming mentally fit with your finances is a key to lasting financial success Other related blog posts/links mentioned in this episode: Visit Patrice's site- PatriceWashington.com Patrice's podcast - Redefining Wealth Patrice's old blog Patrice's latest book- Real Money Answers 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 Patrice: PatriceWashington.com Patrice on Twitter Patrice on Facebook Patrice on Instagram Connect with me: Journey To Launch Instagram Journey To Launch Twitter Journey To Launch Facebook Page Join the private Facebook Group

Money is a leading cause of stress. How you spend and manage your money directly stems from what you think about and how you feel about money. In this episode, I talk to Emily Guy Birken, an accomplished finance writer whose latest book "End Financial Stress Now" walks you through the exact steps on how to achieve the mindset of financial flexibility and improve your financial outlook. Even if you don't feel overly stressed about your money, the concepts explained in this book will help you understand your relationship with money. Here are just some of the things we discuss in this episode: Why it's important to put a space between our finances and how we FEEL about our finances How to figure out what money means to you How to use the "Five Why's" exercise to get to the root of your money problem The emotional meaning we assign to money and how that translates into how we treat money How to rid yourself of the scarcity mindset The Four Money Scripts and how to identify which one you use in your life Actual steps to take to improve your financial outlook plus so much more Other related blog posts/links mentioned in this episode: Get a copy of Emily's book- End Financial Stress Now Where Are You On Your Financial Journey? (How To Identify Your Journey Position) www.asktrim.com www.truebill.com 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 Emily: www.emilyguybirken.com Emily on Twitter Emily on Facebook Connect with me: Journey To Launch Instagram Journey To Launch Twitter Journey To Launch Facebook Page Join the private Facebook Group

Before you can begin to truly focus on building wealth, you have to get serious about paying off and staying out of debt. Follow these 8 steps and you will be on your way to debt freedom. Here are some of the things I discuss in this episode: My experience at Podcast Movement from recording my first LIVE interview with Patrice Washington which will be released soon, recording another guest appearance on the award winning Stacking Benjamins podcast and meeting a woman I truly admire in the personal finance and podcasting arena, Hilary Hendershott. My own debt journey of paying off $80,000 to $100,000 of debt The 8 Steps to Paying Off & Staying Out Of Debt (click here to see the steps) How being uncomfortable and staying the course on your journey will allow you to reach your ultimate goals. Other related blog posts/links mentioned in this episode: The original blog post- 8 Steps To Pay Off & Stay Out Of Debt 3 Ways To Use A Home Equity Line To Reach Financial Freedom Click here to get the FREE Debt Payoff Blueprint to help you annihilate that debt. 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 me: Instagram Twitter Facebook Page Join the private Facebook Group

Income is the driving force of the wealth formula. If you want to get out of debt, save or invest at an accelerated rate, the fastest way to do it, is through earning more money. Would you like to learn insider HR tips on how to ask for a raise and get paid your worth? Better yet, would you like to hear how one woman negotiated a $25,000 raise? In this week's episode, I talk to Dorianne St Fleur of YourCareerGirl.com. Dorianne is an HR professional, certified business and career coach whose work focuses on teaching professionals how to unlock authentic and fulfilling careers. Her work has been featured on Business Insider, Huffington Post, Inc., Fast Company, The Muse and Working Mother. Dorianne is breaking the Human Resources code and sharing all the insider secrets on how to negotiate a higher salary at your job. Even if you're not working in the corporate world, this interview is jam packed with great tips and actual scripts you can use when having the salary conversation with your boss or while on the hunt for a new job. More of what you can find in this episode: How to research your salary and figure out if you're being underpaid What to say when you have that awkward salary conversation with your manager 3 things you can do optimize your Linkedin page and land job offers in your sleep Strategies to become a top earner The best ways to achieve the elusive work-life balance plus lots more! Dorianne's website-YourCareerGirl.com Dorianne's podcast- Deeper Than Work (Subscribe on iTunes SoundCloud) Glassdoor 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 Dorianne Follow Dorianne on Facebook Twitter , Instagram, Linkedin Connect with me: Instagram Twitter Facebook Page Join the private Facebook Group

To reach your personal finance goals you have to develop a positive mindset. I talk with Fifi Buchanan of the Divine Hostess blog and the Wonderfully Made podcast. Fifi focuses on a holistic approach to wellness, cooking, and lifestyle improvement. On her podcast, Wonderfully Made, Fifi provides tips on how to live a more balanced and fulfilled life by improving daily habits and pursuing wellness. I first met Fifi on Instagram. I announced that I was launching my podcast and needed supporters for my launch campaign. Fifi, without knowing me, graciously signed up to lend her support to my campaign and gave me words of encouragement. She also mentioned that she had a podcast and I immediately went to check it out. Once I started listening, I was enthralled with Fifi's calming approach to overcoming internal obstacles and her wellness tips. I saw the importance of the topics that Fifi talked about and how it related directly to one's Financial Journey, so I invited her on the podcast. Here's just some of what we discuss: The limitations that come with comparison and how can we stay focused on our own journey. Tips to overcome negativity, doubt, and fear so that we can move toward our goals. How to make peace with where you are and where you want to be without getting discouraged and angry. How to forgive ourselves for past mistakes. How to stay focused on goals that seem so far away The importance of treating ourselves and self-care How to eat well on a budget plus so much more! Other related blog posts/links mentioned in this episode: Fifi's blog- The Divine Hostess Fifi's podcast- The Wonderfully Made podcast (Subscribe on iTunes SoundCloud) The Three Thieves & The Limitations that Come with Comparison episodes from the Wonderfully Made podcast 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 Fifi: Follow Fifi on Twitter , on Instagram, YouTube Connect with me: Instagram Twitter Facebook Page Join the private Facebook Group

Is it possible for a millionaire to become a teacher salary? In this episode, I talk with Ed the Millionaire Educator. I first learned about the 457 plan from Ed when he was a guest on another podcast. If you listened to Episode 2, How We Saved $85K, you'll know that I credit access to a 457 plan through my husband's job as one of the ways we were able to maximize our savings last year. It really changed the game for us. In this episode with Ed, we discuss: How he paid off $45,000 and saved $100,000 in 5 1/2 years The benefits of a 457 Plan and how to figure out if you have access to one Why the fees that you pay on your investment accounts matter How to become more tax efficient and how tax planning can substantially increase your ability to save and invest Ways to save and invest no matter your income How to live a good life while saving more than half of your income Other related blog posts/links mentioned in this episode: Ed's post's- 2017 Free Money , How We Saved $500,000 in 4.5 Years, 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 Ed: millionaireeducator.com Follow Ed on Twitter Connect with me: Instagram Twitter Facebook Page Join the private Facebook Group

Get 25 ways to improve your finances right now. This episode gives you 25 actual steps that you can take today in order to start making strides towards your financial goals. To make the list more manageable, select 2 -4 things you can do per day over the next few days. Some of the tips I discuss are: Download and organize your banking and personal finance apps Set aside time for a "Money Check-in" Improve your financial circle of influence Place more value on experiences, not things Find the full list in the related blog post: 25 Ways To Improve Your Finances Right Now Click here to sign up for access to the Resource Library and download the FREE 25 Ways To Improve Your Finances Right Now Checklist to help you keep track of what things you implement.

I talk to Cassandra Cummings, president of RC Wealth Management, LLC, a Registered Investment Advisory firm and the Founder of The Stocks & Stilettos Society, an investment community of women. She's been working for over 10 years to transform financial lives. I first connected with Cassandra on Instagram. She came on my IG LIVE broadcast to leave a positive word of encouragement when it came to starting and running a business. Later on, we connected in a Facebook group we are both members in and I did a Facebook LIVE in her Stocks & Stiletto's group discussing my own investment strategies. Since then, I've considered Cassandra my virtual #goalmother. I admire the way she runs her businesses and the way she cultivates and helps her community. Her Stocks & Stilettos group ride hard for her! In this episode we cover: The different types of investments to invest in How to begin if you have only a little amount of money to invest What someone should do if they have no idea where to begin Why even if you have debt you shouldn't wait to start investing How to evaluate a company you want to invest in What's the next "big" thing you should invest in How to start your kids on the path to wealth by teaching them about investing plus much more Related Blog Post: http://www.journeytolaunch.com/why-i-finally-started-index-investing-how-i-got-over-my-fear/ Investing apps/platforms mentioned in the episode: Acorns Stash Robinhood Vanguard Recommended Investing books: Girl Make Your Money Grow Rich Dad's Guide to Investing Warren Buffett Invests Like a Girl: And Why You Should, Too Connect with Cassandra http://cassandracummings.com/ http://stocksandstilettos.co Stocks & Stilettos Facebook group Cassandra on: Instagram Twitter Facebook Connect with me: Instagram Twitter Facebook Page Join the private Facebook Group Find the show notes and more www.journeytolaunch.com/episode3

Find out how we saved $85K in 12 months. In this episode you'll learn: How I got over my fear of sharing the actual numbers to the "world" The types of savings and investing accounts we used How budgeting and the 457 Plan changed the game for us and allowed us to invest even more How to create, set up and stick to your own savings goals Other related blog posts mentioned in this episode: How we Saved $85,000 in 12months + Tips on How you Can Save More Too Mid-year Update on our $93,100 2017 Savings Goals + Takeaways to Apply to Your Own Goals Are you on Track to be Broke or Financially Free in Retirement + 25x Rule Explained 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 me: Instagram Twitter Facebook Page Join the private Facebook Group Get the full episode show notes and more at www.journeytolaunch.com/episode2

Learn more about myself and what Journey To Launch is all about. I cover: My backstory, where I grew up and how being raised by a single mom help teach me the value of money at an early age My crazy 3-4 hour driving commute and the mental breakdown that occurred when I was pregnant with my first son and how that made me want to figure out a way to retire early Why I started Journey To Launch & why I started the podcast What you can expect from the podcast, what the show format will be and the types of topics that will be discussed P.S. I recorded this introductory episode at least 4x already but I've made up my mind that the one you are hearing now will be the last take. I realized that I was being too critical of myself and that I couldn't get everything to be perfect as I'd like. But that's the beauty of this journey. Everything doesn't have to perfect, you'll get better the more you do and push yourself forward. Other related blog posts mentioned in this episode: Behind The Scenes of The Journey To Launch Podcast - part 1 & part 2 My Journey To Launch 10 Interesting Facts About Me Connect with me: Instagram Twitter Facebook Page Join the private Facebook Group