Journey To Launch

David Carlson is answering all your student loan questions on this week's episode of the Journey to Launch podcast. Previously featured in The Washington Post, The New York Times, Forbes, Slate, and NBC's KARE 11, David is a personal finance author and speaker. In this week's episode, David is discussing the truth and misconceptions about student loan debt, loan forgiveness programs, debt consolidation and more. In 2012, David launched his website Young Adult Money with a mission to help millennials earn more, save more, and live better lives. He recently started focusing on student loan debt because he and his wife had a combined balance of $100,000 after graduating college. David is on the path to becoming debt-free and is sharing his story and student loan debt advice with others along the way. In this episode you will learn: Several misconceptions about student loans The truth about student loan refinancing The good, bad, and ugly about the Public Service Loan Forgiveness Program How taxes and forgiveness of loan debt are related The pros and cons to Parent Plus Loans, and more Get a custom student loan payoff plan by clicking here and check out what my buddy Travis over at Student Loan Planner has to offer

Kyara and Khalil Uqdah of Charm City Buyers started investing in real estate right after college in September 2012. Their first property was in a depressed neighborhood in Connecticut. However, with a vision, networking, and creative financing they turned that one property, which they still own, into over 20 properties in Baltimore, Maryland. They have literally bought a block and are now focused on community development, mentoring other real estate investors, and building an empire and generational wealth. In this week's podcast episode both tell their story of humble, hustle beginnings, and share tips on how to get into real estate investing, set goals, and run a business that thrives. Kyara and Khalil have built a results-based system that allows them and others to experience success in real estate investing. They retired from the rat race a few years ago and now enjoy life as full-time entrepreneurs and loving parents. In this episode you will learn: Several ways to get started and build your real estate empire How to creatively buy your first investment property What's life like pursuing entrepreneurship with your partner The importance of relationships and networking in real estate investing Steps you can take to exit the rat race and become an entrepreneur Why real estate isn't for everyone and so much more Learn how to use Other People's Money in real estate through Charm City Buyer's course, OPM Is King Introductory Check out Charm City Buyer's mentorship program - the NEXTGen Accelerator, Use code "Journey2launch" for a discount. For those who are looking for tons of guidance, full cycle and detailed information on investing and are interested in Baltimore - this is a great way to join a community of folks accomplishing their real estate goals! Other related blog posts/links mentioned in this episode: I use Michael Hyatt's Full Focus Planner to keep me focused so I get things done. If you are looking for a planner consider using this one. Check out the other tools that help me with my finances and business here. Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. Connect with Kyara and Khalil: Website Instagram:@CharmCityBuyers Twitter: @CharmCityBuyers Facebook:@CharmCityBuyers Youtube Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Get on the Money Launch Club Waitlist

In 2020, you cannot afford the luxury of a negative thought. This is just one of the amazing takeaways I discovered in my latest read, You Can't Afford the Luxury of a Negative Thought: A Book for People with Any Life Threatening Illness--Including Life. This podcast episode will arm you with confidence, motivation, and knowledge to have your best year yet! Reaching a goal starts in the mind. Therefore, negative thoughts are too expensive and could cost you your dream or your purpose. In this week's episode I share 13 takeaways from this book, as well as, my thoughts on how you can stay motivated to create and accomplish your goals in 2020. In this episode you will learn: The power of positive thinking and how to combat negative thoughts What it means to take responsibility How to be open to all methods and schools of thought Ways to combat fear How preparing for death is actually living and so much more Other related blog posts/links mentioned in this episode: If you enjoyed these takeaways, check out the book by John Roger and Peter McWilliams. I use Michael Hyatt's Full Focus Planner to keep me focused so I get things done. If you are looking for a planner consider using this one. Check out the other tools that help me with my finances and business here. Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Get on the Money Launch Club Waitlist

I made it through my first year as a full-time entrepreneur! Check out solo episode 132 where I dive into the business side of Journey to Launch and explain why I spent most of this year investing in myself. As I reflect on 2019, I share more about the financial impact of going from a corporate job to full-time entrepreneur, and how we prepared for this moment. I also report how I tripled Journey to Launch's income since last year. Lastly, the episode wouldn't be complete without highlights from this year and a sneak peek about what's next for Journey to Launch. In this episode you will learn: The importance of investing in YOU How to increase your business income as an entrepreneur Methods to help you to reflect and how to say no How planning and budgeting can maximize your finances and your time My realities of being a full-time entrepreneur The real deal about business income, expenses, taxes, and so much more Other related blog posts/links mentioned in this episode: I use Michael Hyatt's Full Focus Planner to keep me focused so I get things done. If you are looking for a planner consider using this one. Check out the other tools that help me with my finances and business here. Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Get on the Money Launch Club Waitlist

This week's Journey to Launch podcast episode features, Kierra Asnauskas, who shares her amazing story on how she went from broke and homeless to a six-figure salary and living abroad. On her journey, Kierra taught English overseas, boosted her salary from $31,000 to $182,000 a year, and received free housing and healthcare. With fewer expenses, Kierra knocked out $49,000 in debt and started investing. Today, Kierra and her husband are living overseas while she takes her first mini-retirement. Listen to the full episode to learn how you can live your best life abroad and build wealth too. In this episode you will learn: How Kierra went from broke and homeless to a six-figure salary Opportunities overseas where you can get free rent, healthcare, and more All about mini-retirements and how you can take one now How to minimize taxes when living and working overseas What is geoarbitrage and how you can use it to get an affordable degree The difference between lazy investing and value investing, and much more Other related blog posts/links mentioned in this episode: Kierra mentioned so many good reads in her interview. Check out the list below. The 4-Hour Workweek by Timothy Ferriss The Miracle Morning by Hal Elrod How to Build Wealth Teaching English Overseas by Ben Stout The Simple Path to Wealth by JL Collins Want to take your own mini-retirement and enjoy life now? Hear how it's done in episode 54 with Carl Seidman. Carl took his first mini-retirement at age 32. Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. Connect with Kierra: Website Instagram:@Mrs.Unconventional Facebook: @MissUnconventional Twitter:@MsUnconvention Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Get on the Money Launch Club Waitlist

Learn how to boost your income in your career or business in this week's Journey to Launch podcast episode with Kathlyn Hart. Kathlyn Hart is a coach who helps ambitious women dream big, live boldly, and earn more money. Kathlyn and I have an insightful and amazing conversation that will inspire you to earn more whether you have a 9 to 5 or your own business. This episode is packed full of tips to help you change your mindset and earn the money you deserve. In this episode you will learn: How to accelerate your path to financial freedom by earning more money Steps to take before you ask for more money The importance of a money mindset and how to shift your money beliefs Tactics to set your prices and services as an entrepreneur Sites to research the going salary for your market and so much more Other related blog posts/links mentioned in this episode: Are you earning your optimal salary based on your experience and skills? Find out by doing your research on three sites Kat mentioned in the episode. Glassdoor Payscale Salary Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. Connect with Kathlyn: Website Instagram:@IAmKathlynHart Facebook:@IAmKathlynHart Twitter:iamkathlynhart Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Get on the Money Launch Club Waitlist

You have something to share with the world! It's time to turn your passion into your career. Listen to this week's Journey to Launch podcast episode for inspiration and tactics to manifest your dreams. In episode 129, Cathy Heller who is an author, podcast host, speaker, songwriter, and coach, talks about her new book and how to make your passion a reality. This episode provides concrete tips to start your own business, create your dream job, and make your own path. Check out Cathy's interview and discover how you can make an amazing living serving the world and fulfilling your purpose. In this episode you will learn: Four types of creative stages How to view your dream from different perspectives The importance of letting yourself be messy How to nourish your dream job and use your day job as your investor Tips to increase your network and net worth The human approach to entrepreneurship Steps to take before you quit your job and so much more Other related blog posts/links mentioned in this episode: Get your copy of Cathy's book, Don't Keep Your Day Job: How to Turn Your Passion Into Your Career, today! Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. Connect with Cathy: Website Instagram:@Cathy.Heller Facebook: DontKeepYourDayJob Dont Keep Your Day Job Facebook Group Twitter:NoDayJobs Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Get on the Money Launch Club Waitlist

To compete in today's world of rapid technology changes and fierce job competition, you must become an ultralearner and self educator. his week on the Journey to Launch podcast, Scott Young shares how you can master new ideas, subjects, and skills to stay ahead in your career. Scott is the author of Ultralearning, a book that outlines how to boost your learning so you can win at life and accomplish your goals. In the podcast episode, Scott discusses the most effective learning methods, stories of successful ultralearners, and shares examples of how self-learning can improve your life. Listen to this episode to learn how to maximize how you learn and execute a plan. Whether your goal is to travel the world and learn foreign languages, earn a debt-free degree, or improve your income and finances, Ultralearning and the tips in this podcast will guide you to success. In this episode you will learn: Methods to optimize what you learn and how to impact your life Ways to get a degree for free The benefits of making a plan before executing a project How to raise ultralearner children plus so much more Other related blog posts/links mentioned in this episode: For more productivity tools and tips check out Scott's website with over 1,000 articles. You should also check out his book here. The audiobook is also available if you prefer to listen versus reading. Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. Connect with Scott Young: Website Instagram:@ScottHYoung Twitter:@ScottHYoung Facebook:@AuthorScottYoung Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Money Launch Club

In this week's podcast episode, Zero shares her amazing story of adversity and triumphs. She saved half her income when she made $60,000 a year in New York while also navigating health challenges. In her twenties, she had brain surgery and doctors told her she may not be able to work or live independently. Instead of surrendering to her prognosis, she got through her recovery and moved to New York City. Not only did Zero find a job, but she went from making $37,000 a year to $75,000 in a short period. Zero maximized her income when she was making less, so she was able to max out her retirement savings when she earned more money. Zero saved $100,000 by 30 and recently quit her job to become a full-time entrepreneur. She continues to navigate her health challenges but has never allowed them to limit her abilities or accomplishments on her journey to financial freedom. In this episode you will learn: How to boost your income so you can max out your savings Ways to save on taxes and medical expenses The power of a positive perspective and money mindset How to save, invest, and survive on less in New York City and so much more Other related blog posts/links mentioned in this episode: If you liked this interview with Zero, you may also enjoy episodes 52 and 84 with Tanja Hester from Our Next Life. Finding Adventure and Happiness on Your Journey to Financial Independence with Tanja from Our Next Life--Episode 52 How To Achieve A Work-Optional Life & Retire Early with Tanja Hester--Episode 84 Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with Zero: Instagram:@zero2fi Twitter:@zero2fire Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Money Launch Club

This week's Journey to Launch podcast episode is one you don't want to miss! I'm talking with Purple from A Purple Life about how she plans to retire at 30 and live off only $18,000 a year. In 2015, Purple started her blog to track her journey to financial freedom and early retirement. Thanks to her efforts to decrease spending, increase her wages, and geo-arbitrage, she is on her way to retiring in 2020. In less than four years she went from a net worth of $5,000 to over $350,000. Check out the episode to hear how she is living on her budget without sacrificing the fun things she loves. In this episode you will learn: How to budget your money and apps that can help The importance of saving for retirement and securing your employer's match Ways to save your first $100K What is geo-arbitrage and how it can jumpstart your path to FIRE How to demand a higher salary, and so much more Other related blog posts/links mentioned in this episode: Purple admits saving her first $100,000 was a big milestone. But once accomplished, doubling and tripling her money happened in much less time. Here is one way to save your first $100K too. Here are more ways to save 100K. Be like Purple and get paid for taking pics of "Help Wanted" signs with the Job Spotter app by Indeed. Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with Purple Life: Instagram:@apurplelife Facebook:@apurplelife Twitter:@apurplelifeblog Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Money Launch Club

This week on the Journey to Launch podcast we have special guest, Ericka Grant from Atlanta. Ericka is a successful marketing professional who started out making $35,000 a year but has accomplished financial independence and built a net worth over $1 million through real estate investing. Through networking, she moved up in her career and boosted her salary to six figures along the way. At the same time, she purchased her first home in New York City at 25 years old. Having a knack for finding the best properties, Ericka has since expanded her real estate investments to include properties in several states. Listen to this week's episode to hear how Ericka obtained millionaire status in her thirties but continues to work and build wealth because she wants to--not because she has to. In this episode you will learn: How to boost your salary and leverage your network in your career One benefit to working remotely that you didn't know before How to "success proof" your career and focus on opportunities Great investing strategies for real estate investors and much more The doors to the Money Launch Club are now open, the membership community that provides the support, tools, education and plan so that you can reach your financial goals like paying off debt, saving, investing and more. But the doors will be closing on Friday, Nov 8th. Come join us here. Other related blog posts/links mentioned in this episode: Check out the Journey To Launch Podcast index here that categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with Ericka: Instagram: @ericka_sojourner Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Join the Money Launch Club

The Journey to Launch podcast has officially reached one million total downloads! (in podcast land, that's a big deal). Thank you to all of the listeners a.k.a. Journeyers who have inspired me to keep producing the podcast, rain or shine, every week for the past two years. You guys have been following my journey, sharing and supporting the content I produce which keeps me motivated to deliver and improve my message and platform. My goal is to inspire even more people to improve their finances and pursue financial freedom and independence so that they can truly live the life they want and deserve. In this special episode, I share more about my life since starting Journey To Launch and launching the podcast. Listen in to hear more about my humble beginnings in Jamaica, how I quit my job and found more freedom now without having a million dollars in the bank, the impact of the podcast, and so much more. My hope is that my story continues to inspire and show you how too you can make your dreams become a reality, In this episode you will learn: More about me and my humble beginnings in Jamaica How I discovered the fire movement and started my own path to financial freedom The importance of resilience, trust, patience, and forgiveness How you can create more financial freedom in your life with a "FU fund" Ten highlights that have happened in my life since launching the podcast and so much more In the episode I mention two special announcements. The first is that I'm opening doors to the Money Launch Club , the membership community that provides the support, tools, education and plan to reach their financial goals but the doors won't be open for long. Come join us here . . The second announcement is that we've created a podcast index that categorizes all of the Journey To Launch podcast by subject and category, so that you can binge on your favorite topics or type of episode. Go to the Journey To Launch Podcast Index here. Other related blog posts/links mentioned in this episode: Check out these past Journey to Launch episodes I mentioned in the episode: An Interview With My Mom & How She Prepared Me To Prosper I Quit My Job: Why & How I Quit My 6-Figure Job & How This Affects My Journey To Financial Independence Here are links to my weekly segment, Making Cents, on News 12, a local news segment that airs in New York . Check it out! Journey to Launch gets featured on Money Magazine, Business Insider, and Buzz Feed. Check the links for the full scoop. Sharing is caring. So, here are links to some of my colleagues that I admire and mention in the episode: Millennial Money by Grant Sabatier The News Worthy Podcast by Erica Mandy The So Money Podcast by Farnoosh Torabi Let's celebrate this milestone by getting to two million downloads even faster. Please share this episode with family and friends and follow me on social media. Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Join the Money Launch Club

This week on the Journey to Launch podcast we have Miss Wise of Wise Woman Wallet. Miss Wise is from North Carolina and was previously up to her eyeballs in debt and bills. She decided to turn her side hustle, teaching English to immigrants at a community college, into a full time teaching gig in China. Over the last three years, she has paid off $37,000 in debt and paid $6,000 cash for certifications that have allowed her to make more money. In this episode, Miss Wise shares the steps you can take to travel, teach, and knock out debt as an expatriate (someone living abroad). Listen now to learn how Miss Wise is teaching others how to achieve financial success and live a good life. In this episode you will learn: How you can teach English overseas The benefits of working overseas and having your essential bills covered How to boost your income and crush debt with side hustles What life is like as a Black woman in China How to find your tribe in foreign countries plus so much more *When we first recorded this episode back in July 2019, Miss Wise paid off $16,000 of debt. Since that recording, her new total debt pay off amount is $37,000 (as of mid October 2019)* Other related blog posts/links mentioned in this episode: Miss Wise's online TEFL certification provider: https://www.internationalteflacademy.com/ Miss Wise's Florida teaching certification program: https://www.teacherready.org/ Looking for lucrative teaching jobs overseas? Start here. Find the right teaching job abroad at any of these sites: https://www.teachaway.com/ http://www.eslcafe.com/jobs/ https://jobs.echinacities.com/ Membership into the Money to Launch Club is currently closed but don't miss out on the next enrollment. Sign up to get on the Money Launch Club waitlist here. Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 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 Miss Wise: Website Instagram:@WiseWomanWallet Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Money Launch Club

In this week's episode of the Journey to Launch podcast, Shang of Save My Cents shares how she achieved financial independence by age 31. Shang has the funds to make work optional but chooses to keep working. By day, Shang is a management consultant. By night, Shang helps families get out of debt, save money, and start investing to grow their finances. In this episode you will learn: The importance of mental health on your wealth journey The key to an abundance mindset and why it's important to give How to accomplish financial independence in expensive cities like NYC What factors to consider when deciding your side hustle How to leverage your knowledge and network plus so much more Other related blog posts/links mentioned in this episode: Membership into the Money to Launch Club is currently closed but don't miss out on the next enrollment. Sign up to get on the Money Launch Club waitlist here. Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 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 Shang: Website Instagram: @SaveMyCents Facebook: Save My Cents Group Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Money Launch Club

Naseema McElroy, is back on the Journey to Launch podcast to update us on how she paid off 1 million dollars of debt in a few years. The creator of Financially Intentional and the Nurses on Fire podcast, Naseema, first shared how she paid off $300,000 in debt as a single mom in episode 16. Now, Naseema is giving us an update on how she's paid off a million dollars of debt since we last spoke and opens up on how she is now living a more balanced life and building her business. After we hear from Naseema, I provide a recap of my experience at FinCon, a conference for content creators in personal finance. This year the conference was in Washington, D.C. and I had the chance to connect with personal finance influencers and Journeyers. In this episode you will learn: How Naseema paid off $1 million in debt About geoarbitrage and how it can help your finances The realities of entrepreneurship life Steps you can take to know if you are built for entrepreneurship What's more valuable than wealth Ways to get into nursing without diving into student loan debt plus so much more Other related blog posts/links mentioned in this episode: Check out the beginning of Naseema's fire journey in episode 16 where as a single mom, Naseema paid off $300,000 in debt in two years. Download her hot new podcast, Nurses on Fire, where you listen to your favorite podcasts. Membership into the Money to Launch Club is currently closed but don't miss out on the next enrollment. Sign up to get on the Money Launch Club waitlist here. Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 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: Website Instagram: @FinanciallyIntentional Instagram: @NursesonFirePodcast Twitter: @FinancialIntent Facebook: @FinanciallyIntentionalBiz Pinterest:@FinanciallyInte Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Money Launch Club

I am answering your most recent submitted money questions on this week's episode of the podcast. In this episode, we dive into a discussion about the types of debt, debt payoff methods, real estate investing, budgeting, and retirement savings. You don't want to miss this good advice that can help you on your journey. In this episode I answer: If you use a home equity line of credit to refinance your loans If it makes sense to take money from your retirement account to pay off debt The difference between secured and unsecured debt How to strategically pay off debt with the snowball or avalanche method Tips on what to do before you start investing in real estate The facts about borrowing from your retirement account How to stay motivated on your journey with the right budget plus so much more Other related blog posts/links mentioned in this episode: Check out this debt repayment calculator to help you decide between the debt avalanche and debt pay off method Membership into the Money to Launch Club is currently closed but don't miss out on the next enrollment. Sign up to get on the Money Launch Club waitlist here. Other great Journey to Launch Podcast episodes you should hear (for the first time or again): Episode 16: How Single Mom Naseema Went From Broke To Paying Off $300,000 in Debt Episode 47: Sylvia's Journey To Paying Off 6 Figures of Law School Debt & Becoming Financially Independent Episode 69: Single Mom Takiia's Amazing Story: How She Went From $100,000 in Debt to $500,000 in Savings Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Money Launch Club

In this week's episode of the Journey to Launch podcast we have Kenishia Mais, a Jamaican entrepreneur, Financial Educator and the visionary who founded ThrivingDollars. Kenishia was always a good saver. She started saving her lunch money in school & kept this habit into adulthood. But when she became the person her parents and other family members came to when they needed money, the pressure of being the family bank was overwhelming. It drove her to abandon her money habits and become a big spender so she wouldn't have money when her family asked for a loan. Listen to this episode to learn how Kenishia turned her life and finances around. She became a self-taught investor at age 21 and is now a financial educator spreading the financial gospel to others through her blog and business, ThrivingDollars. In this episode you will learn: How to manage the burden of being your family's bank Tips to empower family members to solve their own money problems Differences between investing in the United States and Jamaica Ways to invest in retirement and brokerage accounts plus so much more Other related blog posts/links mentioned in this episode: Check out Rich Dad Poor Dad by Robert Kiyosaki, a financial literacy classic Keneisha mentions in her interview. If you want to hear the beginning of this series check out episode 117 featuring Cameron Huddleston, author of Mom and Dad, We Need to Talk: How to Have Essential Conversations with Your Parents About Their Finances. Sign up to the Money Launch Club waitlist to be the first to be notified before anyone else when the doors open. The Money Launch Club is the membership community for Journeyers just like you looking to take their finances and life to the next level. Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with Kenishia Mais: Website Instagram:@ThrivingDollars Personal Instagram:@KenishiaMais Twitter:@ThrivingDollars Personal Twitter:@KenishiaMais Facebook: @ThrivingDollars Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Money Launch Club

This week, Journey to Launch's podcast episode continues the conversation on generational wealth and talking with your family about finances. In this episode, we have a dynamic father and daughter duo, Duane and Taylor Davis of Davis Generational Wealth Education Initiative, Inc. Duane and Taylor have a passion for financial literacy and inspire families and communities to have intergenerational financial conversations. Finances should be fun and inclusive of the entire family. Listen to this episode to learn how to spark money conversations in your family so together you can build generational wealth and develop strong money habits. In this episode you will learn: How to have intergenerational financial talks with your family The importance of estate planning and trusts Tips to help parents talk to their kids about money What is "coaching up" and how kids can talk to their parents about money The impact of the "Black Tax" and how to respond when family ask for money Ways to preserve generational wealth so it lasts Other related blog posts/links mentioned in this episode: If you want to hear the beginning of this series check out episode 117 featuring Cameron Huddleston, author of Mom and Dad, We Need to Talk: How to Have Essential Conversations with Your Parents About Their Finances. Sign up to the Money Launch Club waitlist to be the first to be notified before anyone else when the doors open. The Money Launch Club is the membership community for Journeyers just like you looking to take their finances and life to the next level. Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with Duane & Taylor Davis: Website Instagram:@DavisGenerationalWealth Twitter:@DavisGenWealth Facebook: @DavisGenWealth Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Money Launch Club

This week Journey to Launch's podcast episode features award-winning journalist and author, Cameron Huddleston. With over 17 years of experience writing about personal finance, Cameron recently combined her knowledge and personal experiences in her book, Mom and Dad, We Need to Talk: How to Have Essential Conversations with Your Parents About Their Finances. In this episode, Cameron breaks down how to have difficult financial conversations with your parents. Listen to episode 117 to learn how to get your parents' affairs in order before it's too late. In this episode you will learn: How to talk to your parents about their finances The basics of estate planning and what to do first What questions to ask your parents during "the talk" The importance of setting expectations for you and your parents as they age How to prepare your parents for retirement and long term care Tips in case you need to add your parents to your financial plan Other related blog posts/links mentioned in this episode: Check out Cameron's book, Mom and Dad, We Need to Talk: How to Have Essential Conversations with Your Parents About Their Finances For tools on how to help your parents get organized or identify scams check out Cameron's resources Sign up to the Money Launch Club waitlist to be the first to be notified before anyone else when the doors open. The Money Launch Club is the membership community for Journeyers just like you looking to take their finances and life to the next level. Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with Cameron Huddleston: Website Instagram:@Clebedinsky Twitter:@CHLebedinsky Facebook: @CameronHuddlestonMoneyExpert Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Journeyer Launch Club

This week on the Journey to Launch podcast we have "Money Mitra," the founder of the "Psychology of Spending." Mitra is a money and mindset coach who helps you eliminate money blocks so you can build wealth. She helps you identify the root of your limiting beliefs and money wounds, which are the stories that prevent you from building wealth. In this episode, Mitra shares her powerful story that shaped her journey. She is the daughter of a Southern Black mother born in the small town of Pulaski, Tennessee (infamous for two things: Sundrop and the KKK) and an Iranian immigrant father who came to America during the Iranian hostage crisis with little resources and a lot of ambition. Mitra also hosts "Money Talks," a couch conversation series with a mission to normalize money conversations and help people learn their worth. The Talk Series also tackles how to navigate in our society where social advantage, power, and control influence so many people's journey and financial decisions. Listen to this episode to learn how to overcome your money blocks and define success for yourself. In this episode you will learn: The importance of understanding where you come from and how that affects who you are, your life, and your money scripts What are money triggers and money scripts The psychology of spending How to discover your money story, wounds, and the root of your limiting beliefs about money How to break free of your past and move forward on your financial journey The difference between a scarcity, abundance, growth, and fixed mindset Questions to ask if you want to be your best and most authentic self Other related blog posts/links mentioned in this episode: Sign up to the Money Launch Club waitlist to be the first to be notified before anyone else when the doors open. The Money Launch Club is the membership community for Journeyers just like you looking to take their finances and life to the next level. Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with Money Mitra: Website Instagram:@MoneyMitra Facebook: @MoneyMitra Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Journeyer Launch Club

Journey to Launch is so excited to have Ash Cash Exantus, America's Financial Motivator, on this week's podcast. Ash Cash grew up in the projects of Harlem, New York. In his twenties, thanks to fate and opportunities, he successfully navigated up the corporate ladder in the banking industry and later became the youngest CEO of a federally chartered bank. At 30, Ash Cash threw his own retirement party, left the banking industry, and pursued a full-time career as an entrepreneur, author, speaker, and financial literacy advocate. Some unexpected financial setbacks actually helped Ash Cash refocus and discover his passion to teach financial education. Today, Ash Cash is the Founder and CEO of MindRight Money Management. In his company, he mixes psychology and personal finance to create a culturally responsive--aka dope--approach to teaching financial literacy. In Episode 115 you will learn: The importance of an abundance mindset How to see opportunities in the midst of obstacles What things to consider before becoming an entrepreneur Tips to navigate the ups and downs of entrepreneurship The power of passive income and how to use it to build wealth The correlation between ownership and freedom Other related blog posts/links mentioned in this episode: Ash Cash is a best selling author with several good reads like The Wake Up Call, a book about financial principles based on Jay-Z's 4:44 album, and Mind Right, Money Right. Check out all his books here. Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 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 Ash Cash: Website Instagram:@IAmAshCash Twitter: @IAmAshCash Facebook: @AshCashExantus Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Journeyer Launch Club

Personal finance expert Kassandra Dasent can relate to people from all walks of life. She went from being $55,000 in consumer debt to being debt-free with a six-figure net-worth. Now she is using her experiences to help you start "minding your money." In this episode Kassandra talks about money, mindset, and emotional well being. This is one episode you don't want to miss. In episode 114 you will learn: The importance of a money mindset and how it can impact your ability to create wealth How to leverage your ability, skills, and experience to earn more What steps to take before combining your finances in a relationship All about the black tax and how it impacts your finances The Four Pillars of Wealth that make you wealthy and whole Remember it's time to sign up to join the Money Launch Club! If you love this episode, join the club and you can hear from Kassandra up close and personal. She is speaking to the members in September and you don't want to miss it. Doors close August 22nd so join now! Other related blog posts/links mentioned in this episode: Join the Money Launch Club Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with Kassandra: Website Instagram:@Kassandradasent Twitter: @Kassandradasent Facebook: MindingYourMoneyKD Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Journeyer Launch Club

This week, we have another bonus episode for you. In episode 113, Josie, a Money Club Launch member shares her debt free story. She was the first in her family to go to college. But then she found herself in student loan, credit card, and auto loan debt. Listen to how she paid off $50k and now is on her way to financial freedom and independence. Along her financial journey, Josie discovered her passion for financial freedom and independence. She became a blogger with the mission to inspire the latino community to improve their finances and live a minimalist life. Now that they are debt free, Josie and her husband are focused on financial planning, saving, and securing their family's future. The day has finally arrived! The Money Launch Club (the membership community to help you reach Financial Freedom & Independence) doors are now open! Join us here MoneyLaunchClub.com before the doors close again in a few days! More About Josie Espinoza Current location (city) Porterville, CA Profession Teacher Josie we are excited to share your story with the Journey to Launch community. Before we dive into your journey, can you tell Journeyers more about yourself? I was born in Mexico, and I am the youngest of 9. I was the first one to get a college degree, but 3 of my older siblings own successful businesses in Mexico. My parents brought me to California when I was 8 years old along with two of my siblings. They have been farm workers ever since, picking different types of fruit depending on the season here in the Central Valley, California. I never went to a babysitter because my parents would take me to work with them on the weekends, school holidays and summers. My first paycheck was from picking grapes one summer. Even though it wasn't easy working in the fields, I still didn't value money. My mom would always say "Money is made to be spent," and that's the mindset I grew up with. In college I had two jobs, bought a car, got my first credit cards, spent all my money, and didn't save a dime. In about 2014, I came across the snowball debt payoff method on Pinterest which then led me to find Dave Ramsey. I started tracking my debt and tried to pay it off but wasn't really focused. Fast forward to July 2018, we got home from a summer trip and had no money because our credit cards were maxed out and my next paycheck wasn't coming for another three weeks. Those three weeks without money were my rock bottom. It was then that I really focused on my finances. We made our finances a priority, we made a budget and stuck with it. Every morning I take a few minutes to check our budget and remind my husband what our goal for the day. For example, sometimes we had a no spend day, no coffee, sell one item, or spend less than $10 goal. I started listening to finance podcasts instead of music and reading every finance book I could get my hands on. Then, I started following the Debt Free Community on Instagram and joined financial independence (FI) groups on Facebook. I also sold a lot of stuff that I wasn't using which led me to become an aspiring minimalist. Currently, we are working on saving 3 months of our expenses in our emergency fund. We have paid off the majority of our debt and only have our mortgage left. We know our financial independence (FI) number and have a plan. We are still spenders but only spend our weekly allowance. I'm fortunate that my husband and I are on the same page when it comes to our finance goals and we hold each other accountable. Thanks to the Journey to Launch Podcast and the Money Launch Club I felt financially stable enough to take a risk and resign from a job that was affecting my mental health. I wish I would have known everything about finance when I started working. I started a blog and an instagram page "Minimalisa Todo" which means minimize everything. My goal is to share my journey as I minimize my financial stress, my clutter at home and my weight. It is in Spanish because I want to inspire the Spanish speaking community. Wow what a journey. Josie what advice would you share with other Journeyers still on the journey to reach their goals? First I would say, write everything down, track your progress, and celebrate the small wins. I am a very impatient person and seeing a visual of where I started and how far I've come gave me motivation to keep going. I also like to celebrate the small wins, things like not buying a coffee in the morning, eating lunch from home three days in a row. My celebrations were always within the budget and sometimes it was silly things like a happy dance or a high five from my husband. Josie, what else motivates you? What's your "Why," or the reason you are pursuing Financial Freedom & Financial Independence? The freedom to spend time with my daughter and my husband is my why. My husband is a truck driver and is always on the road. I want us to spend more time together. One of our crazy goals is for my daughter and I to join him on the road and visit every state wher

Journeyers you are going to love episode 112. In this solo episode, you'll learn about the five stages on the journey to financial freedom and independence. Listen now to see what stage you are in and what practical steps you can take to achieve your financial goals. Find out how to set your goals and take action, so you can experience more freedom now! In this episode you'll learn: The 5 stages to financial freedom and independence How to calculate your Financial Independence number What goals to set at each stage of your financial journey The importance of mindset and habits Sign up for the Journey to Launch free class today! On this virtual webinar, you will learn more about the five stages to financial freedom along with other tips to help you create more freedom in your life today. Learn more about the Money Launch Club here and make sure you join when doors open up again! Other related blog posts/links mentioned in this episode: Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Journeyer Launch Club

Journey to Launch presents another bonus episode. This episode features, Cassandra Henry, a Journeyer paying off debt and investing in herself. From Bronx, New York, Cassandra is a first generation Dominican American. At 25 years old she is her family's breadwinner. As a result, she quickly learned the importance of taking control of her finances and her debt. In episode 111, Cassandra shares how she eliminated credit card debt and boosted her income with side hustles. She taught herself about personal finances by reading, listening to podcasts, and surrounding herself with like-minded people in the Money Launch Club. Don't forget to sign up for the Journey to Launch free class on August 15th! It's a virtual meeting so you can join us from anywhere. Learn more about the Money Launch Club here and make sure you join when doors open up again! More About Cassandra Henry Current location (city) Bronx, New York What's your profession? Teacher Cassandra we are glad to have you share your story with Journeyers today. Before we dive into your journey, please tell us more about yourself. My name is Cassandra Henry and I am a powerful, vulnerable and responsible leader. I am 25 years old and a first generation Dominican pursuing a life of abundance. I started my financial independence journey the summer of 2017, after being introduced to Dave Ramsey's 7 Baby Steps and the personal finance podcast, Bigger Pockets Money. I have since increased my income by an extra $10,000, learned the importance of budgeting, and now understand what it means to have an abundant mindset when it comes to money. I am currently on the road to paying off more than $25,000 in student loans. Although there have been many ups and downs, the journey has been worth it. Cassandra what advice would you give other Journeyers who are also on the journey to reach their goals? Invest in yourself! This journey of financial independence has helped me recognize my own worth and realize that I deserve to invest in the goals that I have for myself. Seeking opportunities to grow your network, attending webinars, or even meet-ups that focus on reaching financial independence has definitely helped me get closer to reaching my financial goals. If you want to reach financial independence, it's best to be on the journey in a community with others instead of on your own. Cassandra what's your "Why?" What motivates you to pursue Financial Freedom & Financial Independence? My "Why" is my family. When I was little, my father always reminded me about the importance of saving. Whether it be for clothes or traveling, he would always pull my mother, my sisters and me aside and we would count all of the money we saved together as a family. When he passed away three years ago, I felt unprepared and overwhelmed by the financial responsibilities that had to be addressed. At the time, I was the only breadwinner of the family and although my father taught me how to save, he never taught me how to budget. I realized in order to make sure my family and I don't end up homeless I have to be more aware of my money and where it's going. As the years passed, I developed a desire to reach financial independence to not only provide stability for my mother but also to begin a legacy of wealth within my family. Cassandra what a powerful story. What's something you want to improve or do to help you reach your goals? I want to improve on creating better habits when it comes to maintaining a positive money mindset. When I don't reach a financial goal that I have for myself, I take it pretty hard. I have been trying to surround myself with positive people to help ameliorate the disempowering mindset I get whenever I come across a money issue. Mindset is key to staying positive and building wealth. Cassandra can you share some things you are doing to help move forward on your journey? First off, I have increased my income by $10,000 with side hustles. My journey has reignited my passion for entrepreneurship, and I am in the process of developing a plan for my own business. Also, I increased my network of influencers. One important thing I continue to do is educate myself about financial independence by reading books and listening to several personal finance and motivational podcasts. As a result of what I am doing, my family and friends are also learning the importance of managing money. It's nice when you get family and friends involved in your journey. Have you had any "wins" since joining the Money Launch Club? How has the Money Launch Club helped you achieve those goals? * Yes, I have. For example, I increased my number of side hustles. After reading Financial Freedom with the Money Launch Club, I began to apply for more side jobs. I now have three side hustles: Online Teacher for VIP kid, after school program assistant, and a tutor. I also created an online bank account for my emergency fund. The Money Launch Club has exposed me to so many different avenues I can take to increase my mo

Courtney Richardson, the founder of the Ivy Investor, is an attorney and investment advisor who helped her mom go from bankruptcy to paying off her home and retiring with enough money to live comfortably. Through her expert advice and classes she has helped women invest and save for retirement while mastering the tax game too. Named one of 7 Black Millennial Financial Experts to Follow on Instagram, Courtney is helping women build wealth and create secure financial futures. In episode 110 you will learn: How your finances can impact your career Tips to get started in investing Things you can do to pick your first stock The bankruptcy process and how to get through it Where and how to invest for retirement Don't forget to sign up for the Journey to Launch free class on August 15th! It's a virtual meeting so you can join us from anywhere. Learn more about the Money Launch Club here and make sure you join when doors open up again! Other related blog posts/links mentioned in this episode: Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with Courtney: Website Instagram: @TheIvyInvestor Twitter: @TheIvyInvestor Facebook: TheIvyInvestor Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Journeyer Launch Club

Episode 109 is a bonus episode, the first of its kind. We are switching things up to give you more inspiring content in between regular Wednesday episodes. In this episode we feature Veronique Graves, a fellow Journeyer and member of the Money Launch Club. Veronique is a self employed sign language interpreter who is on her way to financial freedom. After becoming a member of the Money Launch Club, she went from living paycheck to paycheck to paying off debt, saving, and investing. Listen to episode 109 to hear her story and learn ways you can get started on your journey too. More about Veronique: Current location (city) * Rockville, MD What's your profession? * Sign Language Interpreter Veronique we are so glad you are sharing your story with fellow Journeyers. But before we dive into your financial journey, please tell us more about yourself.* I work in the Washington, D.C./Baltimore metro area as a freelance sign language interpreter. Part time I teach Zumba for my local recreation center. Moved here from Atlanta about 9 years ago for a mentorship that was supposed to last 3 months and ended up loving the area and staying. I love travel, yoga, boxing, cycling, baking (really anything food related), dancing and singing. I also volunteer with the Make-A-Foundation. At 40 I've started learning Brazilian Jiu Jitsu and to play the guitar. Happy to have found a group of people who love learning and growing. It's great that you have found ways to make money doing things you love, like Zumba. What advice would you give Journeyers who are also still on the journey to reach their goals? * Be patient and stick with the process. Mindset is more important than you realize and setting specific goals helps a great deal. Reading books on money and listening to podcasts will help you stay motivated. Finding friends and family with good money mindsets and goals is awesome too! What drives you to want Financial Freedom & Financial Independence? In the FIRE community, we normally refer to this as your "why."* I want to be in a position where I am financially independent so that it allows me to have the life flexibility I want whether it's regarding my job or travel. Since I have an entrepreneurial spirit the freedom part is important especially since my income tends to fluctuate. I'd like to be able to help other people when they need it the way my relatives and friends have helped me. For example, when my siblings and I got our first cars, my grandma paid in cash and had us pay her back monthly so we wouldn't have to incur interest from banks. Or when I had fibroid surgery my relatives were able to either give or loan me money to assist with medical bills. Veronique, what are some things you can do to help you reach your goals? * I'd like to learn more skills to get a new job and earn more money. I'd like to create better time management and organization habits. Veronique you have made a lot of progress with your finances. What changes did you have to make in your life to move forward on your journey? * In order to move forward in my journey I asked for a higher rate as a contractor. I was teaching dance aerobics as a side hustle. Meal planning and bringing lunch to work as well as cooking more at home has helped me save too. Saving 20% has become a priority which allows me to continue to build my emergency fund. Now that you are a Money Launch Club member, can you share any wins you've had since joining? The Money Launch Club classes have taught me a lot of useful skills. I asked for a raise and received one. Also living paycheck to paycheck is a thing of the past. Being more conscious of saving and my cash flow have really helped. I opened up a health savings account and select investments for the account. That's an awesome testimony. Tell us, what do you enjoy most about the Money Launch Club? * I enjoy the accountability through sharing our wins and lessons. There is a great sense of community where we are working toward many of the same goals. The classes are great as well! Doors for the Launch Club re-open in August, click here to get on the list and get access to join before anyone else Other related blog posts/links mentioned in this episode: Check out the book that helped Veronique on her journey, Get Money by Kristin Wong. Join the free class on August 15th by going to journeytolaunch.com/freeclas Learn more about the Money Launch Club here and make sure you join when doors open up again! Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of

Bernadette Anat, also known as Hey Berna, is your Financial Hype Woman. Berna makes money fun through videos and money memes. She is your go to example of how to get out of debt and live your best life. In episode 108, Berna shares how she paid off $50,000 in debt, ditched her corporate job at Instagram, and traveled the world for one year. Now she's back and living life on her terms as an entrepreneur. In this episode you will learn: How to have the "get debt free" conversation with your family and friends A fun way to track your expenses—ditch the boring spreadsheets The importance of making money rules for each paycheck The impact an accountability partner can have on your financial freedom journey and why you need one Doors for the Launch Club re-open in August, click here to get on the list and get access to join before anyone else. Other related blog posts/links mentioned in this episode: Mint Clarity Money Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with Hey Berna: Website Facebook:@HeyBerna Instagram:@HeyBerna Twitter:@HeyBerna Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Journeyer Launch Club

Money Coach and Founder of The Fiscal Femme, Ashley Feinstein Gerstley, joins us in episode 107 to discuss the importance of your money mindset and her book, The 30-Day Money Cleanse. Ashley helps women build wealth by teaching you about her money mistakes and how to set yourself up for financial success. She coined her own way of budgeting called the "Happiness Allocation" and explains how your deep beliefs about money can impact your ability to make money it and keep it. In this episode you will learn: How to take control of your finances with a 30-day cleanse Why a growth mindset is important to achieving and maintaining wealth How a gratitude attitude helps boost your finances Tips to change your beliefs and relationship towards money Practical steps to shake up your routine and drop frivolous expenses What you can do to maximize your joy per dollar spent All about money parties and how to make finances fun Don't know what a money party is? Listen to episode 107 now! Enter for a chance to win a copy of the book by going to JourneytoLaunch.com/win and entering your name & email only! Even if you don't win, you will still win by getting access to my free resource library. Doors for the Launch Club re-open in August, click here to get on the list and get access to join before anyone else. Other related blog posts/links mentioned in this episode: Remember to enter the contest to win a copy of Ashley's book or you can grab your own copy now! To get the fun guides that will help you makeover your finances in 48 hours visit Ashley's website. You can also get started with her 7-day jumpstart! Don't forget to check out the Sa-Vings music video with a cameo from yours truly. Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with Ashley Gerstley: Website Facebook:@TheFiscalFemme Instagram:@TheFiscalFemme Twitter:@TheFiscalFemme Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Journeyer Launch Club

Bola Sokunbi founder of Clever Girl Finance is back on the Journey to Launch Podcast! This time she is talking about entrepreneurship, ditching debt, and how to accomplish financial independence on your own terms. Bola is a certified financial educator and money expert, helping women take charge of their finances. Check out her new book, Clever Girl Finance Ditch Debt, Save Money, and Build Real Wealth, a manual about how to achieve financial freedom. In this episode we discuss: How to adjust your mindset so you can succeed. How to define financial independence for yourself. How to prioritize and plan your financial goals. Entrepreneurship vs. a Job: How you can achieve financial independence through both. Enter for a chance to win a copy of the book by going to JourneytoLaunch.com/win and entering your name & email only! Even if you don't win, you will still win by getting access to my free resource library. Doors for the Launch Club re-open in August, click here to get on the list and get access to join before anyone else. Other related blog posts/links mentioned in this episode: Bola's book is out and you can get your own copy here. Bola Sokunbi on Episode 22 Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with Bola Sokunbi: Website Facebook:@CleverGirlFinance Instagram:@CleverGirlFinance Twitter:@CleverGirlcgf Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Journeyer Launch Club

Kristy Shen and Bryce Leung left their lucrative software engineering careers to enjoy world travel and freedom. Both retired in their early 30's with a 7-figure portfolio and have complied their secrets to success in their new book Quit Like a Millionaire: No Gimmicks, Luck, or Trust Fund Required. Kristy and Bryce are financially independent, self-made millionaires who hail from humble beginnings and learned along their journey how to follow the money so they could afford to pursue their passions. In this episode we discuss: How Kristy went from surviving off 44 cents a day to a 7-figure portfolio. How you can use CRAP (Creativity, Resilience, Adaptability, and Perseverance) to achieve success. How to cut expenses from your budget so you can maximize your income and minimize waste. How to choose your degree and career based on the math. Why your home is not an investment and how avoiding home-ownership helps you achieve financial independence sooner. Why taxes are for the poor and how to win the tax game. Kristy and Bryce's book is out and you can get your own copy here. On their website Kristy and Bryce also offer a free investing workshop. Check it out to start investing now! Enter for a chance to win a copy of the book by going to JourneytoLaunch.com/win and entering your name & email only! Even if you don't win, you will still win by getting access to my free resource library. Doors for the Launch Club re-open in August, click here to get on the list and get access to join before anyone else. Other related blog posts/links mentioned in this episode: Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with Kristy & Bryce: Website Facebook:@MillennialRevolutionBlog Twitter:@FIRECracker_Rev Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Journeyer Launch Club

On this episode, we speak to Jean Chatzky, the financial editor of NBC's TODAY show, an award-winning personal finance journalist & the host of the podcast HerMoney. Jean joins us to talk about how she navigated her career to become one of the most recognized and notable thought leaders in the personal finance space. She also explains the importance of taking risk and also gives different tips for saving and investing (especially if you feel like you had a late start). Topics discussed in this episode: Finding the balance between doing what you love and earning money to pay for the lifestyle you love Discussion on the complex relationships that women have with money How to be creative with being able to reach your goals How to take risks to land your dream job (and life) How someone who is older can still save for the lifestyle they want in retirement plus more Doors for the Launch Club re-open in July/August, click here to get on the list and get access to join before anyone else. Other related blog posts/links mentioned in this episode: Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with Jean: Website Instagram:@JeanChatzky Facebook:@JeanChatzky Twitter:@JeanChatzky Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Journeyer Launch Club

I am so excited to share this episode with you Journeyers! This is the 2nd year anniversary of the Journey to Launch podcast and with it, I'm pulling back the curtain on the hurdles, lessons and great things going on behind the scenes with myself and Journey To Launch. Hopefully, these 10 lessons/takeaways will inspire and enrich your journey too. My 10 Updates & Lessons: Say no and being ok with not pleasing everyone. (Are you afraid to say no because you think this opportunity will never come along again?) Let go of control so that you can grow and maximize your time. Be appreciative of the good things that you have in your life already. Know your worth & ask for more. Monetizing the podcast by partnering with brands that are a good fit "Talk the talk and walk the walk"- Realize what you are really worth, and don't be afraid to ask for more money. Invest in your own knowledge, create value and earn what you are worth. Instead of asking someone why they didn't buy your product/service, focus instead on those who did. Don't focus on the things that aren't working out in your life, look at the things that are and realize what you are doing right. Identify your upper limit and realize how it is holding you back from having a breakthrough. Don't be afraid to take that next step & don't be your own worst critic. How to save & invest and take more risk. Updates on projects at Journey to Launch. Doors for the Launch Club re-open in July/August, click here to get on the list and get access to join before anyone else Other related blog posts/links mentioned in this episode: Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Journeyer Launch Club

I absolutely Iove bringing you ideas and stories that challenge your belief of what you think you can do and allows you to think outside the box. Charlie Pioli has a passion for environmental conservation and dumpster dives for a majority of his grocery needs. I was immediately intrigued by Charlie's story and lifestyle which at first seemed extreme, but as you'll learn when you listen to the episode, is a practical and smart way to save money and reduce food waste. Charlie even discusses how he is house hacking and using real estate investing as a way to reach his goals.If you think you should skip over this episode just from the title alone, I challenge you to give it a try. Even if dumpster diving isn't for you, you will walk away with some actionable tips and inspiration for your journey. In this episode we discuss: Charlie's backstory and how he got started dumpster-diving His plan to take a mini-retirment when he turns 30 How's he's house hacking and planning to use real estate to reach his financial goals Some of the mistakes he's made a long the way and how you can avoid them Tips to save on your food/grocery expenses + more Doors for the Launch Club re-open in July/August, click here to get on the list and get access to join before anyone else Other related blog posts/links mentioned in this episode: 2017 New York City Waste Characterization Study Report With Charlie on the Cover Page Recording Data The Truth About the Solid Waste Industry and Recycling Article on How to Househack Advice to Get a Home Loan WIth No or Little Money Down Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with Charlie: Website Instagram:@MrDumpsterDivington Twitter:@Pioli121 Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Journeyer Launch Club

Damien Peters walked away from his lucrative tech career to live abroad with his wife and young son in Spain so that he could live a life of freedom and flexibility. Damien shares how entrepreneurship, real estate investing and saving allowed him to take the big leap and how you can make the changes you need in your life and finances to do the same. On this episode we discuss: How Damien walked away from his lucrative tech career to live abroad & how he was able to give up a stable 6 figure salary to a less guaranteed income but one that came with work flexibility. What should one consider when thinking of moving abroad and how he was able to get his wife on the same page. Damien's entrepreneurship journey, his previous ventures and why he started Wealth Noir His real estate investing experience His journey in becoming an accredited investor and the risks and rewards associated with it becoming one Actionable tips for those ready to step up their pursuit of wealth & what you can do right now plus more Doors for the Launch Club re-open in July/August, click here to get on the list and get access to join before anyone else Other related blog posts/links mentioned in this episode: Should I Try Living Abroad- By Damien Peters Accredited Investor Opportunities- By Damien Peters Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with Damien: Website Instagram:@WealthNoir Facebook:@WealthNoir Twitter:@WealthNoir Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Journeyer Launch Club

This is the 100th episode of the Journey to Launch podcast and I am so excited about getting this far thanks to all of you who listen every week. So for this episode, I'm answering listener questions about debt consolidation, online savings accounts and so much more. Questions in this episode: Is a debt consolidation loan ever a good idea? Should you place your emergency savings in an high yield online savings account? What is a Thrift Savings Accounts, how do they work and compare to other employer retirement savings and investment plans? What to do with the money after refinancing your house? How to deal w/ family members who want you to spend money on events when it will set you back financially? + more Doors for the Launch Club re-open on July/August, click here to get on the list and get access to join before anyone else! Other related blog posts/links mentioned in this episode: Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Journeyer Launch Club

This episode is probably one of my top 5 favorite episodes so far on The Journey to Launch podcast! I am so glad David Neagle came on the show; he is the founder of the multimillion-dollar global coaching company Life Is Now, Inc, helping thousands of entrepreneurs, experts and self-employed professionals gain the confidence and find the right mindset to increase their revenue. After a near death experience, David changed his way of thinking to get him on the path to unlock his full potential and making so much more money. We discuss ways to change your mindset, how to deal with fear, how to stop feeling stuck in your jobs, the law of polarity, & so much more. Find out what book he recommends that you should definitely read & study to learn about how to make money that will change your life! On this episode, we discuss: David's overall background/story How David's life was forever changed on a day on the Illinois River which caused him to unlock the potential within him and triple his income How school and full time employment instills the idea of being safe in life and loyal to a job but can keep you stuck from reaching your true potential What happens to us as we grow to keep us so fearful Why the Science of Getting Rich by Wallace D Wattles is David's favorite book The Universal law and the law of polarity How to see opportunities instead of obstacles How we can move from the mediocre mindset to the entrepreneur mindset Why it's our divine right to be rich and wealthy but why so many people don't achieve or believe this The one thing that you can do right now to change your life and unlock your full wealth potential Doors for the Launch Club re-open on July 18th, click here to get on the list and get access to join before anyone else Other related blog posts/links mentioned in this episode: Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with David: Website Instagram:@David_P_Neagle Facebook:@DavidNeagleCommunity Twitter:@DavidNeagle Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Journeyer Launch Club

I'm so excited to be joined by Allison Baggerly on this episode who is the founder of Inspired Budget, a business that helps women learn how to budget, save money, and pay off debt. Allison shares with us how she and her husband were able to pay off $111,000 worth of debt on 2 teacher's salary in 4.5 years! She gives us lots of great tips on how she and her husband stayed committed to their goals, and opens up about her struggles with anxiety and depression around money which affects many of us. Learn how to shift your focus from finding temporary happiness from spending money to finding it in saving & paying down debt! Topics discussed on this episode: - How she and her husband paid off $111,000 in debt in 4.5 years on teacher's salaries - What steps they took to find more money in their budget - How they stayed committed to their money goals - Her struggle with anxiety and depression, especially around money - How she's a natural spender and how she fought it to stay on track to pay off her debt - How Allison juggles a full-time job, being a mom and a wife plus running a side hustle - Her thoughts on the Financial Independent Retire Early Movement (F.I.R.E) - Tips if you are struggling with a budget plus so much more! Other related blog posts/links mentioned in this episode: How We Paid Off $111,000 of Debt to Become Debt Free Have Kids & Become Debt Free Coach Purse Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with Allison: Website Instagram:@InspiredBudget Facebook:@InspiredBudget Twitter:@Inspired_Budget Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Journeyer Launch Club

This week's guest is Ogechi Igbokwe, a financial educator, money strategist, speaker, personal finance writer and the founder of OneSavvyDollar. In our chat, Ogechi gives a lot of great tips and advice on how to get out of student loan debt, how & where to get started investing in real estate, and how to find companies that help you pay for your higher education tuition. Here are just some of the topics that we discussed: Ogechi's background story; what she learned about money where she grew up, how those views were altered when immigrating to the US. Family views on education and how it differed in the U.S compared to Nigeria What steps she took to get out of $26,000 worth of student loan debt and tips on how you can too The challenges she faced along the way to becoming debt free Ogechi's real estate investing experience and how she bought her first property at 21 years old Methods you can take to get companies to either pay for tuition or pay for tuition reimbursement Ogechi is also coming into the Launch Club to teach a class about Home Buying & Real Estate. Doors for the Launch Club are currently closed but you can get on the waitlist to join the Launch Club and watch Ogechi's class and other classes that can help you achieve your goals of Financial Freedom. Click here to get on the waitlist and be the first to be notified when the doors open. Other related blog posts/links mentioned in this episode: Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with Ogechi: Website Instagram:@OneSavvyDollar Facebook:@OneSavvyDollar Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Journeyer Launch Club

What does a flexible life, a life where you are in control and enjoy look like. Today, I'm speaking with Jillian Johnsrud on the podcast to learn just that. By 32, Jillian and her husband had paid off $55k in debt, lived abroad for 4 years, traveled to 27 countries, adopted 4 kids, paid cash for their home and became financially independent. She lives in Montana where she writes, coaches and speaks about creating financial freedom, intentional living and lifestyle entrepreneurship. On this episode we discuss: What a Financial Independence (FI) Flashpoint is and how it prompted her to look for a better way How to create your ideal life What she and her husband did to become FI How & Why they bought their first house in all cash What Flexible F.I.R.E is and why we should choose our own path Accomplishing minimalism with 5 children at home plus so much more Doors for the Launch Club re-open on July 18th, click here to get on the list and get access to join before anyone else Other related blog posts/links mentioned in this episode: Jillian's Free Course - Live w/ Intention: A Roadmap to Your Best Life Flexible F.I.R.E. Finanical Independence Flash Point Minimalism with Kids Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with Jillian: Website Instagram:@JillianJohnsrud Twitter: @MtMoneyAdventur Facebook:@MontanaMoneyAdventures Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Journeyer Launch Club

On this episode, we are joined by Jason Butler of My Money Chronicles. He is a serial side hustler, who currently makes between $500 - $800 per month with eBay and uses that money and other side hustle income to pay off his debt. He's gets real with us about all the setbacks, headaches and bumps along his journey that he has experienced. Jason explains how he works on his side hustles to help him pay off his debt and gives us great advice on how you can approach setting goals for getting out of debt too. Find out about how much he loves Miami but why he can't go back just yet! On this episode we discuss: Jason's money backstory and how he got into debt What setbacks he has had along the way and some of the lessons he's learned His current side hustles and how he plans to make $36,000 this year from side hustles alone How Jason plans to stick to his debt payoff goal How he makes money from Ebay and how any person can get started selling on Ebay plus so much more Doors for the Launch Club re-open on July 18th, click here to get on the list and get access to join before anyone else Other related blog posts/links mentioned in this episode: Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with Jason: Website Instagram:@MyMoneyChronicles Twitter: @Money_Chronicle Facebook: @MyMoneyChronicles Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Journeyer Launch Club

I am so excited to share this episode featuring Kara Stevens of the award winning site The Frugal Feminista which helps women get their finances in order. We get some firsthand tips from Kara on how to grow and manage a profitable side hustle while juggling a full-time job and family. Kara was able to not only pay off $40,000 in debt in 3 years but also build a business on the site while managing a full time job & a family, so there is definitely much to learn In this episode we will discuss: Kara's background, money story & journey into entrepreneurship How she paid off 40,000 of debt in 3 years. Find step by step guide here. How to balance a full-time job, your side hustles & a family How as a principal, Kara wanted to start a community based businesses Time vs. money argument. When to outsource and build a team, and how to determine where to spend/invest when you still have debt How to build a team for the key aspects of the business on a budget and the tools to support communication? Tips on staying motivated from Kara's article. Other related blog posts/links mentioned in this episode: 9 Things I Did to Pay Back My $40K Student Loan Debt in Two Years 6 Tips to Keep You Motivated While Building Your Business on the Side Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with Kara: Website Instagram:@FrugalFeminista Twitter: @FrugalFeminista Facebook: @TheFrugalFeminista Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Journeyer Launch Club

You may think that you need a traditional education to reach Financial Freedom, but on this episode, Tinian Crawford is here to tell us otherwise. He shares with us how lucrative a job in the Trades can be and why more people should be looking to a trade career and building their DIY skills to help them reach their goals of Financial Independence. On this episode you will learn: Tinian's backstory & his entrepreneurial journey into the world of Financial Independence What's considered a "trade job" and how pursuing trade skills is a great alternative to a traditional college education The demand for trade jobs and the gap between skilled workers and available positions How one can get started in the trades, how to get your children started & how to pivot into a trade career How to become a trade entrepreneur in order to reach your financial goals The gender gap and barrier that women may experience when looking to get into trades but why women are needed in these fields plus so much more Other related blog posts/links mentioned in this episode: NPR Article Women in the Trades College vs Trades My Big Stupid Hot Tub Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with Tinian: Website Instagram:@diycaptain Twitter: @DiyCaptain Facebook: @Tinian.Crawford Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Journeyer Launch Club

On this episode of Journey to Launch, I speak to Lisa Phillips on how to get into affordable real estate investing as a way to build wealth. Lisa shares how she built her real estate portfolio and has reached Financial Freedom after losing her job and going through foreclosure. Topic talked about in this episode include: -Lisa Phillip's background from losing her home in a foreclosure to being able to bounce back as a successful real estate investor -How to get started investing in real estate without a lot of capital & cash -Where to find affordable real estate for around $30,000 -Why rural, inner-city, and mid sized cities properties in working class neighborhoods are the best investments -How to invest in a property in another city & the key things to make out of town investing work plus so much more Other related blog posts/links mentioned in this episode: Thank you to The Nav.it Podcast for Sponsoring the Episode Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with Erin: Website Instagram: @Affordablerei Twitter: @Affordablerei Facebook: @Affordablerei Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Journeyer Launch Club

Investing can seem complicated but Erin Lowry is breaking it down into terms we can all understand. Her new book, Broke Millennial Takes On Investing, is a beginners guide to investing and will help you level up your money. Here's what we discuss in this episode: Erin's background & how she became the Broke Millennial and an overview of her book The most common "excuses" or limiting beliefs on why people don't invest The importance of compound interest, inflation & time & why you should start sooner than later Investing in a 401K, Roth IRA & other investing options aside from your employer Goal setting, time horizon, risk tolerance and asset allocation Paying off your student loans vs credit card debt vs investing for retirement What the wealthy are doing in regards to investing The benefits & advantages of robo advisors vs human advisors vs investing on your own Email [email protected] with proof of purchase of the book & get the free 30 day investing action plan! Last Chance to join the Journeyer Launch Club before the doors close for a bit on April 4th. Check out the Launch Club here. Other related blog posts/links mentioned in this episode: Get your chance to win a copy of Erin's book here. Get Erin Lowry's Book Here Attend Erin's Upcoming Book Tour Check out Investor.gov Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with Erin: Website Instagram: @BrokeMillennialBlog Twitter: @BrokeMillennial Facebook: BrokeMillennial Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Journeyer Launch Club

To reach your goals of Financial Freedom and Independence, you have to focus on these four areas; Income, Expenses, Investing (not just in retirement accounts), & Mindset. In today's episode, I will be discussing how to optimize and improve each of the four components and give you tips on how to succeed in each area. There's still time left to join me in my FREE class on March 28th at 8:30pm EST. Grab your spot here Other related blog posts/links mentioned in this episode: Join The the FREE class on March 28th at 8:30pm EST Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Journeyer Launch Club

On this week's episode, I talk with to Atiya Brown of the Savvy Accountant all about taxes. Taxes can be confusing and overwhelming to understand but its an important tool to build wealth. We talk about: New changes to the tax code How to decide when you should DIY your taxes vs hiring a professional How you can use a businesses and side hustles to help you become more tax efficient Using real estate to help lower your tax liability and build wealth Most common tax misconceptions and questions Atiya gets about taxes + so much more Join me for the FREE class on March 28th all about how to create your plan to reach Financial Freedom here Other related blog posts/links mentioned in this episode: Join The the FREE class on March 28th at 8:30pm EST Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with Atiya: Website Twitter: @AccountantSavvy Instagram: @thesavvyaccountant Facebook Page: thesavvyaccountant Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Journeyer Launch Club

On this week's episode, I am exploring some cheaper and faster alternatives to college with Ryan Craig who wrote the book, A New You, Cheaper and Faster Alternatives to College. In this episode we talk about: The history of college education and how this advanced degree system came to be? The fundamental issues with college today What's the framework for making the critical importance choice of where to go to college? Affordable vs Unaffordable and Nonselective college vs Selective college The last mile in higher education, pathways to digital new careers, boot camps (in person and online) What's the overall benefit to solving social and economic problems when the faster and cheaper college alternatives become more of the norm? plus so much more Join the Journeyer Launch Club for more tips, tools and resources to help you on your journey to Financial Freedom! Other related blog posts/links mentioned in this episode: A New U Book The Rule of 10- Benchmark for making college affordable Techtonic Join The Journeyer Launch Club Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with Ryan: Website Twitter: @ryancraiguv Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Journeyer Launch Club

On this week's episode, I'm talking to Eric Patrick who is a full-time Pharmacist, husband, father of two and runs two side hustles, DocDesgins, a social media management company and Black Market Exchange which uses hip-hop and urban media to make investing fun and easy to understand. In this episode we talk about: How he first got into investing Balancing a full-time job as a pharmacist and two side hustles The lessons we can learn about money through hip hop and movies like Black Panther How you can be multi passionate and pursue different career paths Deciding on what to do as a side hustle Lessons to teach your kids about money plus so much more Join the Journeyer Launch Club for more tips, tools and resources to help you on your journey to Financial Freedom! Other related blog posts/links mentioned in this episode: Gaining Personal Financial Freedom through the Biblical Principles of Finances by Larry A. Maxwell Join The Journeyer Launch Club Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with Eric: Website Instagram: @Black_market_exchange Twitter: @hiphopstockdoc Facebook: Black Market Exchange Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Journeyer Launch Club

I'm excited to bring you another Journeyer Profile interview. Today, I'm talking with Ashley Copeland who was able to purchase 2 homes and has a net worth of almost $100,000 all by the age of 27 years old. She was able to accomplish all of this without ever earning 6 figures and while living in DC. In this interview we discuss: How she ended up buying 2 properties in DC How she prepared to quit her job to follow her passions Why she comes from a place of gratitude with all areas of her life - even when it comes to waiting tables Tips on spending wisely and saving money Breaking down your goals to be smaller and achievable and so much more Join the Journeyer Launch Club for more tips, tools and resources to help you on your journey to Financial Freedom! Other related blog posts/links mentioned in this episode: Afford Anything Podcast Join The Journeyer Launch Club Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with Ashley: Website Instagram: @Stacksnthecity Twitter: @Stacksnthecity Facebook: Stacks and the City Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Journeyer Launch Club