Queer Money®: How Gay People Do Money

If you have a strong interest in managing your own money, you may not need the advice of a financial advisor. But if you are new to investing or need specific help in planning for the future, you may want to seek out a professional opinion. So, what are the different types of financial advisors you have to choose from? And how do you pick the one that’s the best fit for you? On this episode of podcast, I’m addressing Zack’s question about the different types of financial advisors. I share the results of the Queer Money Facebook poll on using a financial advisor and explain what you need to know about a fee-only versus a fee-based advisor. I go on to discuss the characteristics of a fiduciary and non-fiduciary advisor, describing which one is required to put your best interests first and what you can learn about a prospective financial advisor from their Uniform Application for Investment Registration or ADV form. Listen in to understand the differences among a robo-advisor, an online advisor and a traditional advisor and learn how to choose a firm that supports the LGBTQ community!Mentioned in this episode:Your fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement VaultGet Your Portugal Golden Visa Here!Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement Mentorship

This episode is a bonus Queer Money to help you during this difficult time. COVID-19 is impacting all of us in many ways. We want to help reduce that impact on your finances as much as possible. Get the free checklist here: https://debtfreeguys.com/bonus3Mentioned in this episode:Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement MentorshipGet Your Portugal Golden Visa Here!Your fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement Vault

You wouldn’t road trip from New York to LA without a map of some kind, right? And yet, most of us treat our financial lives this way, hoping that we’ll make it to where we want to go without a plan of any kind. So, what does long-term financial planning look like? On this episode of Queer Money, we’re addressing a listener question (thanks, Alyssa!) around creating a long-term financial plan. We introduce the top excuses we hear for not having long-term goals and walk you through examples of the different kinds of financial goals, from immediate or daily objectives like cutting grocery expenses to 20-year plans to save for retirement. We go on to discuss the results of the Queer Money Facebook survey on big financial goals, sharing the medium- and long-term targets that the members of our community are working toward. Listen in for our advice to Alyssa on building long-term financial security, reducing the risks associated with investing, and supporting organizations that provide services to the LGBTQ community.Mentioned in this episode:Your fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement VaultWant the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement MentorshipGet Your Portugal Golden Visa Here!

The order to stay at home to prevent the spread of COVID-19 has changed life as we know it. In addition to the fears around our physical health, many of us are out of work and nervous about our financial health too. So, what can we do to get through this very difficult time? On this episode of Queer Money, I’m discussing the challenges many of us are facing in light of the Coronavirus pandemic, describing how job loss and income insecurity are causing additional stress and anxiety. I share the results of the Queer Money Facebook poll on how our community is faring right now, from those who are optimistic about getting through the crisis to those who are really struggling. I open up about our own experience with income insecurity in January 2019, explaining how defeated John and I felt at the time and what we learned about not giving up on our dreams. Listen in for insight on what you can do to survive these challenging financial times and remember that ‘this too shall pass.’Mentioned in this episode:Get Your Portugal Golden Visa Here!Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement MentorshipMake your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement VaultYour fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!

This episode is a bonus Queer Money to help you during this difficult time. COVID-19 is impacting all of us in many ways. We want to help reduce that impact on your finances as much as possible. Get the free checklist here: https://debtfreeguys.com/bonus2Mentioned in this episode:Your fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement VaultGet Your Portugal Golden Visa Here!Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement Mentorship

We simply can’t predict what life will throw at us. But we do have options when unexpected expenses arise. Listener Rob is a young homeowner who needs to repair his retaining wall but doesn’t have access to a home equity line of credit. So, what should he do? On this episode of Queer Money, we’re discussing what to do if you’re faced with an unexpected expense. We explain the difference between an unexpected expense and an emergency expense in terms of time sensitivity and payment options, encouraging you to start a dedicated savings account for unexpected expenses—especially if you’re a homeowner. We also walk you through your options for covering an unexpected expense (if you don’t have dedicated savings account), weighing the pros and cons of tapping into your emergency savings, relying on financing, or borrowing from family and friends. Listen in for our advice to Rob and learn what you can do to pay for the unexpected expenses many of us are faced with right now.Mentioned in this episode:Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement MentorshipGet Your Portugal Golden Visa Here!Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement VaultYour fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!

This episode is a bonus Queer Money to help you during this difficult time. COVID-19 is impacting all of us in many ways. We want to help reduce that impact on your finances as much as possible. Get the free checklist here: https://debtfreeguys.com/bonus1Mentioned in this episode:Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement VaultYour fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement MentorshipGet Your Portugal Golden Visa Here!

As part of the queer community, we were BORN to deviate from the norm. So, why do we feel pressure to conform to societal values when it comes to spending? Members of the FI/RE community are non-conformists around money, optimizing their finances to achieve financial independence, retire early and enjoy the freedom of doing exactly what they want with their time. Curious how YOU can be a part of this special breed of unicorn? Court is one-third of Modern FImily, a financially independent lesbian family on a mission to help others achieve financial freedom. Court and her partner Nic went from $110K to $1M in net worth in nine years and achieved financial independence in 2018. Today, Nic stays at home full-time with their daughter and Court works part-time, and they hope that sharing their experiences will inspire others to join the FI/RE community. On this episode of Queer Money, Court joins us to discuss how she approaches finances like a game and share her very simple (but super-powerful) way to track spending. She explains how she was introduced to the FI/RE community, describing how she and Nic spend according to their values and get the most bang for their buck doing the things they love. Listen in for Court’s insight on how being LGBTQ impacts her FI/RE journey and learn how YOU can leverage being a non-conformist to improve your financial life!Mentioned in this episode:Your fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement VaultGet Your Portugal Golden Visa Here!Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement Mentorship

Do you know your partner’s credit score? Is it in a similar range as yours? Or very different? Why does it matter? And what can you do about it? On this episode of Queer Money, we’re discussing what to do if you and your partner have significantly different credit scores. We start by explaining how scores in different ranges can impact your lives together and sharing how we approach the work of improving our financial lives as a team. We also uncover the results of our Queer Money Facebook Group poll on couples and credit scores, weighing in on why it’s important to have a dialogue of trust when it comes to money. Listen in for our top 5 tips for improving your credit score WITH your partner and learn how to work together to build a secure financial future!Mentioned in this episode:Your fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement VaultGet Your Portugal Golden Visa Here!Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement Mentorship

Have you ever woken up in the middle of the night in a panic because you forgot to pay a bill? Or experienced that horrible, sinking feeling when you receive the notification you’re being charged a late fee? On this episode of Queer Money, we’re sharing our #1 tip to never miss a bill. David explains how not having a plan to pay bills was the origin of his debt story, discussing the anxiety he felt around not having enough money to do the things he wanted. We also reveal the results of our Queer Money Facebook Group poll on bill pay systems and walk you through our send-it-before-you-spend-it approach to paying bills, describing how to implement paycheck budgeting whether you’re paid weekly, monthly or bimonthly. Listen in to understand the benefits of consistently paying bills on time and in full and learn how to set up systems so you never miss another bill!Mentioned in this episode:Your fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement VaultWant the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement MentorshipGet Your Portugal Golden Visa Here!

Women face some challenging economic truths: They’re generally paid less than their male counterparts, they’re often the primary caretakers for both children and aging parents, and they’re targeted to spend on consumer goods by a culture that values material things over financial stability. Sound familiar to anyone in the LGBTQ community? So, how can we ALL build the wealth necessary to level the playing field? Allegra Moet Brantly is the Founder and CEO at Factora Wealth, a platform designed to empower women to build real wealth through community, education and events. She spent nine years in corporate America, living paycheck to paycheck despite a six-figure salary, before reinventing herself as an entrepreneur. Allegra is passionate about helping women level-up their earning and investing potential to achieve financial freedom. On this episode of Queer Money, Allegra joins us to explain what inspired her mission to help one million women reach $1M in net worth. We discuss the parallels between women and the LGBTQ community when it comes to money, and Allegra offers insight on the value of developing financial literacy within a community. Listen in for Allegra’s advice on spending in alignment with what brings you joy and learn some simple strategies for initiating the money conversation with your friends and colleagues.

Feeling a little guilty when you make a money mistake is not necessarily a bad thing. It means you care about improving your financial situation. But some of us get stuck in a shame spiral that impacts our mental health and actually stops us from making progress. So, how can we learn to forgive ourselves for money missteps, learn from the situation and move on? On this episode of Queer Money, we’re sharing our top five tips for forgiving yourself for money mistakes. John describes his own experience with financial anxiety, explaining how forgiving himself was the first step in fixing his mistakes and moving forward. We also uncover the results of our Queer Money Facebook Group poll on forgiving our financial mistakes, discussing how difficult it is for so many in the LGBTQ community to let it go. (Cue Elsa in Frozen.) Finally, we introduce Hal Elrod’s Five-Minute Rule for getting past our frustrations and share several ideas for performing a ceremonial act of self-forgiveness. Listen in for insight on admitting to and learning from your money mistakes and find out how to forgive yourself and move on.Mentioned in this episode:Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement MentorshipGet Your Portugal Golden Visa Here!Your fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement Vault

Have you ever heard of a backdoor Roth IRA? Yes, it IS a real thing. And no, it’s NOT something you do in the bedroom! A backdoor Roth IRA is a way to save for retirement if you want the benefits of a Roth IRA but don’t qualify for one. So, when would you want to use a backdoor Roth IRA? On this episode of Queer Money, we’re sharing what you need to know about backdoor Roth IRAs. We review the tax benefits of the Roth IRA as well as its income limits on contributions, explaining how the backdoor Roth affords people who earn too much in a given year the advantages of a Roth—without the restrictions. We also discuss the results of our Queer Money Facebook Group poll on taxable income, define the concept of modified adjusted gross income (MAGI), and offer examples of circumstances when YOU might take advantage of a backdoor Roth IRA. Listen in for the step-by-step process of initiating a backdoor Roth IRA and learn how a financial advisor can help you (no matter how much you make) take advantage of loopholes like this one!Mentioned in this episode:Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement MentorshipGet Your Portugal Golden Visa Here!Your fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement Vault

According to the 2018 Prudential Financial Wellness Census, only 27% of LGBTQ individuals surveyed said they were participating in an employer-sponsored retirement plan. If we want to live a fabulous life well into our golden years, it’s important that we invest in some type of retirement account—and two of our options are the traditional and Roth IRA. On this episode of Queer Money, we’re discussing the pros and cons of the traditional versus Roth IRA and helping you decide which type of retirement account is best for you. We explain the need for the LGBTQ community to save for the future and share the encouraging results of our retirement account poll in the Queer Money Facebook Group. We walk you through the pros and cons of the traditional IRA, covering its immediate tax benefit and penalty for early withdrawal. And we describe how the Roth differs, from its income limits on contributions to its tax benefit when you retire. Listen in for insight on deciding which retirement account is the right fit for you and learn about the advantages of saving for retirement via an IRA.Mentioned in this episode:Get Your Portugal Golden Visa Here!Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement MentorshipMake your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement VaultYour fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!

According to the National Foundation for Consumer Credit, 77% of military servicemembers are worried about their finances. Roughly one-third say they don’t pay all their bills on time. And 58% of servicemembers carry credit card debt, compared to 34% of the general population. So, how can we help the members of our military (queer or straight) manage their money more effectively? Mike Poulin is a Certified Financial Trainer at the Financial Gym, a financial services firm that takes a fitness-inspired approach to clients’ personal finances. He is also a former active duty mechanic and Platoon Sergeant in the Marine Corps, currently serving in the US Army Reserves. Prior to joining the military, Mike spent seven years as a Debt Solutions Specialist at a credit union. Mike is passionate about helping people reach their financial goals and achieve financial freedom. On this episode of Queer Money, Mike joins us to explain what motivated him to join the military and share his experience as an out bisexual in the Marine Corps. He addresses the financial challenges facing military servicemembers, discussing how he helped the Marines in his platoon cut costs and make more informed money decisions. Listen in for Mike’s insight around military service and financial stress—and learn how he is creating a product tailored to active duty servicemembers at the Financial Gym.Mentioned in this episode:Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement VaultYour fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement MentorshipGet Your Portugal Golden Visa Here!

When should you start talking about money in a new relationship? We know that financial stress can have a negative impact on our relationships, while healthy money conversations can strengthen a couple’s connection—and even lead to better gay sex! But when is the best time to bring it up? On this episode of the podcast, we’re sharing the results of our couples money conversation poll in the Queer Money Facebook Group, offering our insight on why talking about finances is crucial for couples who cohabitate and what questions it’s okay to ask early on in a new relationship. We walk you through our top five money tips for gay couples, explaining why it’s best to have the initial money conversation in public and how to work together on improving your credit scores. Listen in to understand the benefit of opening a joint account for shared expenses, teaming up on your finances with the Honeyfi app, and setting mutual money goals as an LGBTQ couple!Mentioned in this episode:Get Your Portugal Golden Visa Here!Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement MentorshipMake your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement VaultYour fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!

Do you ever feel like a deer in headlights when it comes to money? You are not alone. Nearly 70% of the LGBTQ respondents in our poll said they feel financial anxiety on a regular basis. So, how do we get un-stuck and overcome the overwhelm that is holding us back? On this episode of Queer Money, we start by making the distinction between true money problems and financial anxiety, explaining what’s behind the unhealthy relationship many of us have with money. We share our own issues with money anxiety and discuss how our experiences growing up led to a scarcity mindset. We walk you through the results of our Queer Money Facebook Group financial anxiety poll, exploring why so many in our community struggle with making the right kinds of decisions to improve themselves financially. Listen in to understand how appreciating what you’ve got, taking small steps to improve, and finding someone to talk to about money can help you overcome financial anxiety!Mentioned in this episode:Your fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement VaultGet Your Portugal Golden Visa Here!Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement Mentorship

If you’ve never done a spending analysis, there’s a good chance you’ll be shocked to find out where your money is going. (For us, it was the $800 a week we were spending on gourmet groceries and dining out!) But once you KNOW what is sabotaging your financial security, you can stop spending unconsciously and start investing in what’s important to you. On this episode of Queer Money, we’re discussing the value of doing a spending analysis to uncover what’s working and what isn’t in our financial lives. We explain the idea of spending outliers, sharing what blew our minds about where our money was going and how we realigned our spending habits according to our values. We go on to share some of the spending outliers that surprised the students using our Credit Card Pay Off Plan and how they are using that information to improve their financial lives. Listen in for insight around the different spending analysis apps available and learn the benefits of using our free tool, the Debt Free Guys Spending Analysis.Mentioned in this episode:Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement VaultYour fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!Get Your Portugal Golden Visa Here!Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement Mentorship

Are you taking full advantage of ALL your workplace benefits? Most of us don’t think we need disability insurance, assuming it applies only to catastrophic events. But what if you had to miss work for a few weeks to recover from, say, a broken leg? Or having your appendix taken out? Would you be able to go without that income? Dr. Kristin Tugman is the Vice President of Customer Analytics and Consultation at Prudential Financial. Her team helps employers and employees alike better understand and use disability benefits in the workplace, with the goal of minimizing employer’s costs and boosting employee engagement, satisfaction and performance. Dr. Tugman is committed to recognizing trends and leveraging research to maximize productivity and minimize absence in the workplace, and she has a special interest in the psychology of returning to work after a disability leave. On this episode of Queer Money, Dr. Tugman joins us to discuss the benefits of having disability insurance and address the common misconception that it only applies to catastrophic events. She explains the challenges associated with returning to work after you’ve been out, describing what employers, managers and coworkers can do to help make the transition back to work easier. Listen in for Dr. Tugman’s advice on taking full advantage of the income protection and health benefits available through your employer and learn what YOU can do to prepare financially should any kind of illness or injury keep you from working.Mentioned in this episode:Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement MentorshipGet Your Portugal Golden Visa Here!Your fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement Vault

When we asked the Queer Money community about their experience with New Year’s Resolutions, not a single person reported having ‘great success’ with keeping them. And only 27% said they stick to their resolutions ‘most of the time.’ So, how can we rethink the way we set goals for the New Year? And what steps can we take to evolve into our best selves in 2020? On this episode of Queer Money, we’re sharing three tips for turning your resolutions into a true New Year’s Evolution. We explain how your vision of your best self already exists and offer insight around gradually replacing your current habits with the behaviors of the person you want to be, be it a marathon runner or someone who’s financially secure. We go on to discuss why it’s crucial to tackle one goal at a time and how an accountability partner (like the Queer Money Facebook Group) can help keep you on track. Listen in for advice on breaking your big goals down into bite-sized pieces and learn how you absolutely CAN achieve lasting change in 2020!Mentioned in this episode:Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement MentorshipGet Your Portugal Golden Visa Here!Your fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement Vault

Is 2020 the year you’re going to get out of credit card debt and start working toward your big dreams? If you’re ready to achieve financial independence in the new year, we can help. In fact, we’ve got three big things on the horizon to support you in reaching your money goals. On this episode of Queer Money, we’re sharing the three ways we’re helping the LGBTQ community in 2020. We explain why we’re reopening the doors to our Credit Card Pay Off Plan, walking you through the benefits of participating and where to go for more information. Available at debtfreeguys.com/debtfree2020 We go on to discuss why we’re incorporating more travel-focused content in 2020, sharing what we’ve learned about travel hacking so you can spend consciously and vacation more often. Listen in for insight around our commitment to offering an actionable money tip (with a rainbow flavor!) on each episode of the podcast moving forward and find out what we’re doing to improve your financial life in the new year.Mentioned in this episode:Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement VaultYour fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!Get Your Portugal Golden Visa Here!Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement Mentorship

You would be hard-pressed to find someone who’s never experienced trauma of any kind. But those of us in the LGBTQ community have endured more than our share of what mental health professionals call Big-T Traumas like abuse or even physical attack. So, how do we identify the adverse experiences from the past that are impacting our lives today? And what can we do to overcome those traumas and live the fabulous lives we deserve? Nick Venegoni is a psychotherapist and certified hypnotherapist in private practice in San Francisco, California. He specializes in supporting queer professionals struggling with anxiety, anger, relationship issues or trauma, with the goal of helping them find more joy and ease in their lives. Nick also offers holistic coaching to spiritual LBGTQ individuals globally through Queer Healing Journeys and serves as the host of The Queer Spirit Podcast. On this episode of Queer Money, Nick joins us to share his definition of trauma and discuss why we may not even know we’ve experienced it. He explains how to identify trauma, describing the most common things we do to mask the pain of our adverse childhood experiences. Listen in for Nick’s insight around taking action if trauma is adversely affecting your life and learn about the close connection between our physical and mental health.Mentioned in this episode:Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement VaultYour fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!Get Your Portugal Golden Visa Here!Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement Mentorship

Wish you could live overseas for three months, but don’t think you can afford it? What if I told you it’s possible to live in Spain for 12 weeks and spend less than you would in most American cities? In fact, there are five tactics we’re using to budget for an extensive, geoliberated adventure in Europe—without spending any more than we would at home. On this episode of Queer Money, we walk you through the five strategies we’re using to live in Spain for LESS than we might spend in a comparable US city. We explain how we chose the seaside town (and gay mecca) of Sitges and why we’re traveling there in the offseason. We also share the advantages of staying in an Airbnb over a hotel and describe the deep discount we negotiated with the host for our extended stay. We go on to talk about the benefit of avoiding high-cost, touristy areas and leveraging public transportation to keep our expenses low. Listen in for advice on securing affordable global travel insurance and learn how YOU can replicate our geoliberated lifestyle and live overseas for LESS!Mentioned in this episode:Your fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement VaultWant the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement MentorshipGet Your Portugal Golden Visa Here!

As you know, Capital One is a supporter of the Queer Money Podcast and other Debt Free Guys initiatives like Money Tips Tuesday and the Queer Money Live Tour. As part of that partnership, Capital One leadership recently invited us to their corporate center in Richmond, Virginia, to speak to Costanza Castelnuovo-Tedesco and the Capital One Business Resource Group about the financial issues specific to the LGBTQ community and what they can do to help us overcome those unique challenges. In this Queer Money we talk about those issues, why they exist and how we can overcome them as individuals and a community. Mentioned in this episode:Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement MentorshipGet Your Portugal Golden Visa Here!Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement VaultYour fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!

Think you’ve got to be rich to afford three months in Europe? The truth is, you CAN live a geoliberated lifestyle and enjoy extended adventures like the one we’re planning to Spain this winter. All it takes is some simple preparation. So, what are the three big things we did in advance to make our travel dreams a reality? On this episode of Queer Money, we’re sharing the three steps we took to pursue the geoliberated lifestyle that makes three months in Spain possible for us. We explain how we built a business that allows us to live and work from anywhere and encourage you to take advantage of the gig economy, creating a web presence around your talents and interests. We go on to discuss the conventional expenses we DON’T have, describing the freedom and flexibility that come with having fewer attachments—as well as the tradeoffs we’ve made that afford us the opportunity to be geoliberated. Listen in for insight around keeping travel money in an ‘arm’s length account’ and learn how we travel hacked our way to Spain with two roundtrip flights for just $187!Mentioned in this episode:Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement MentorshipGet Your Portugal Golden Visa Here!Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement VaultYour fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!

Navigating the world as a member of the LGBT community gives us an advantage when it comes to creativity, allowing us to see possibilities that others may not and affording us a different way of looking at the world. So, how can you tap into that inherent creativity to grow your business and brand? How can you leverage imagination as a superpower and become a creative entrepreneur? Peter Krask is the Founder and Creative Director of The Creativity Guide, a venture that helps entrepreneurs and artists tap into their creativity and provides support and direction in designing and running a business. He was recently selected to be a Dedicated Mentor at the New Museum in New York City for Year 6 of the New Inc. Program. Peter is also an accomplished photographer and writer, and he has been the President of PMK Floral Arts for 20-plus years. On this episode of Queer Money, Peter joins us to define creative entrepreneurship and discuss what creatives and entrepreneurs have in common. He shares the connection between being queer and being creative, weighing in on what creativity blocks LGBT entrepreneurs have in common and how we can capitalize on our ability to see possibilities outside the norm. Listen in for insight around Peter’s role as a Creativity Guide and learn how tap into your imagination and leverage creativity as a superpower.Mentioned in this episode:Get Your Portugal Golden Visa Here!Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement MentorshipYour fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement Vault

How much have you given back to the LGBTQ community this year? You don’t have to have a lot of money to support the organizations that provide for the most vulnerable among us. In fact, a relatively small donation of $50 a month from each of us (that’s three NYC-priced cocktails) would add up to $9B! And if you can’t spare the money, there are other ways to give. On this episode, we’re challenging listeners to give back—in whatever way you can. We discuss why the queer community needs so much help, shining a light on the LGBTQ youth, transgender and senior populations who need extra support and offering insight into some of the national, regional and local organizations dedicated to helping the queer community. We go on to share some of the best ways to give, from recurring contributions to volunteer work to building brand awareness. Listen in for the details of our commitment to donate time and money to the LGBTQ community and learn how developing a plan to give back benefits YOU!Mentioned in this episode:Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement MentorshipGet Your Portugal Golden Visa Here!Your fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement Vault

You’ve come into a little extra money. Maybe a tax refund, a bonus at work, or a check from your Aunt Mable for your birthday. Without a plan, you may be tempted to spend the unexpected cash on something frivolous, like a trip to Vegas. So, let’s think it through. What would you do with, say, an extra $5K? On this episode, we’re sharing the top answers to this question in our Queer Money Facebook group. We applaud the responses focused on financial improvement (like paying off debt, investing and saving for an emergency) and discuss how to incorporate spending on self-care without going overboard. We go on to talk about the idea of setting milestone rewards as you pay off debt and explain what WE would do with an unexpected extra $5K. Listen in to understand why the LGBT community struggles financially and learn how making money-conscious micro-decisions day to day is the key to improving your financial situation—whether you get a $5K bonus or not!Mentioned in this episode:Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement MentorshipGet Your Portugal Golden Visa Here!Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement VaultYour fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!

Okay, you’ve made the commitment to pay off all your credit cards. You want them done and gone. Then, what do you do? You’ve got several credit cards with different balances and different interest rates – though all high-interest rates. How do you pick which credit card to pay off first, then second, then third and (well – we could go on and on)? For most people, wanting and even deciding to pay off their credit cards isn’t the problem. It’s picking which strategy to use to pay off their credit cards and deciding which to pay off first. Then, sticking with that strategy until all their credit card balances are $0. On this Queer Money®, we’ll talk about the two most popular strategies for paying off credit cards, neither of which are as good as the third, exclusive way to pay off credit cards that we’ll share. Then, we’ll tell you exactly how to decide which strategy will work best for you and pick that first credit card to pay off.Mentioned in this episode:Get Your Portugal Golden Visa Here!Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement MentorshipYour fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement Vault

A 2010 Met Life study comparing LGBT baby boomers with their straight counterparts found that the queer respondents were more likely to serve as caregivers to family and friends than their straight peers. Because those of us in the LGBTQ community are less likely to have children, our siblings may assume that we’ll be the ones to take care of our aging parents when the time comes. This is a huge responsibility, and it goes beyond providing physical and emotional support. Do your parents have their legal and financial matters in order? And how do you find out without offending anyone? Cameron Huddleston is an award-winning journalist with 17-plus years of experience writing about personal finance. She has been featured in Kiplinger, Business Insider and Fortune, among many other media outlets. Cameron is also the author of Mom and Dad, We Need to Talk: How to Have Essential Conversations with Your Parents About Their Finances and a regular columnist for GOBankingRates. On this episode of Queer Money®, Cameron joins us to discuss why it’s so difficult to talk to our parents about money and offer ideas on how to initiate the difficult conversation. She walks us through the right questions to ask, explaining how it might impact us if our parents don’t have a plan for long-term care. Listen in to understand how Cameron’s personal experience inspired her to write the book and get her expert advice around how to help your parents plan for the future—without making them too uncomfortable!Mentioned in this episode:Get Your Portugal Golden Visa Here!Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement MentorshipMake your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement VaultYour fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!

What should I do with my life? A lot of us in the LGBTQ community seem to settle for jobs that are in the realm of easy possibility rather than finding and fulfilling our true purpose. But how do you know what you’re called to do? How do you pick a career that’s perfect for you? On this episode of Queer Money, I’m sharing my own long road to purpose-driven work. I explain how I acquired $34K in credit card debt after college and what inspired my transition from retail to a career in financial services. I describe the early signs from the universe that were steering me toward my purpose, including an inspiring episode of Oprah and the feat of paying off our $51K in debt. I go on to discuss the kick in the pants the universe gave me in the form of depression and a difficult boss, weighing in on how our savings gave me the resources to walk away from my W-2 and start the Debt Free Guys platform. Listen in for insight around how my life has changed now that I’m pursuing my true calling and get inspired to pick a career that fulfills YOUR purpose!Mentioned in this episode:Your fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement VaultWant the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement MentorshipGet Your Portugal Golden Visa Here!

What makes the gay rights campaign one of the most successful advocacy movements of all time? The LGBTQ community started with corporate America. We recognized our impact as an economic powerhouse and partnered with the business community to promote diversity and inclusion, leveraging corporate influence in the political sphere to further LGBTQ causes. And Capital One is among the businesses that appreciate the value of the queer community and invest in our success through a number of social impact initiatives. Andy Navarrete is the Executive Vice President and Head of External Affairs at Capital One. In his role, Andy manages the company’s Corporate Affairs function, including media and public relations, community banking and finance, community development and relations, Corporate Social Responsibility (CSR) and corporate philanthropy. Capital One is committed to supporting the LGBTQ community, earning a 100% rating on the Human Rights Campaign’s Corporate Equality Index for the sixteenth consecutive year. On this episode of Queer Money, Andy joins us to share Capital One’s social impact journey, explaining what inspired the company’s commitment to make credit a lot more democratic. He discusses the business value in hiring ambassadors who reflect the communities they serve, partnering with nonprofits like The Ali Forney Center, and going all-in to celebrate Pride. Listen in for Andy’s insight around Capital One’s commitment to corporate social responsibility and learn how the bank is working to serve the LGBTQ community.Mentioned in this episode:Get Your Portugal Golden Visa Here!Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement MentorshipYour fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement Vault

“It’s not that I’m better than anyone, but no one’s better than me.” Growing up as the son of Italian immigrants in the Deep South during the Civil Rights movement wasn’t easy. And being gay didn’t make it any easier. But rather than taking on limiting beliefs, Bernardo Puccio eliminated the word CAN’T from his vocabulary and started visualizing the life he wanted. Bernardo became a world-renowned interior designer with a distinguished career spanning 50-plus years. After growing up in the segregated South where being gay was dangerous, he moved to California to pursue a glamorous life inhabited by the Hollywood elite. Bernardo was designer to (and friends with) stars like Lana Turner, Elizabeth Taylor and Telly Savalas. He and his partner of 32 years, Orin Kennedy, are the subject of the award-winning documentary, An Ordinary Couple, and Bernardo recently completed the memoir of his extraordinary life, 13 Pieces of Unmatched Luggage and My Poodle. On this episode of Queer Money, Bernardo joins us to share his experience growing up gay in Alabama in the 1950’s. He walks us through his path to becoming an interior designer and describes how visualization helped him create the career and life he wanted—in Beverly Hills. Listen in for Bernardo’s insight around what propelled him to the top of his field and get inspired to believe that you, too, CAN live the life of your dreams!Mentioned in this episode:Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement VaultYour fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!Get Your Portugal Golden Visa Here!Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement Mentorship

“If you don’t like where you are, MOVE. You are not a tree.” --Jim Rohn Too many of us get stuck in jobs where we feel comfortable. We’re afraid to walk away from the security of a regular paycheck and try something new. But if you’re not happy or your current situation isn’t getting you closer to your long-term goals, it’s time to take action. I’ve quit my job TWICE, so I speak from experience when I tell you that it’s totally worth it. On this episode of Queer Money, I’m sharing what inspired me to quit a good job at Charles Schwab and how my situation improved when I took on a new role at Great West Financial. I discuss the fears I had to overcome in making the transition, describing just how nervous I was to walk away from decent money and a position I liked. I go on to explain why I quit my job at Great West to become a full-time entrepreneur, addressing the uncertainty John and I faced and what we did to prepare. Listen in to understand how my life has changed for the better since I quit my job (twice!) and learn how to overcome your fears and take steps to OWN your tomorrow!Mentioned in this episode:Get Your Portugal Golden Visa Here!Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement MentorshipMake your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement VaultYour fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!

What does it take to be successful? One way to figure it out is to talk to successful people (LGBTQ and otherwise), find out what they do—and then do THAT. Martin Eiden is a top producer in the New York real estate space, selling nearly $1B in property to date. In 2017 alone, he sold a property every 10 days for a total of $55M in sales! With 20 years in the business, Martin is known for his attention to detail, candidness with clients and focus on excellence. He began his professional career in architectural engineering, designing skyscrapers, airports, hospitals and laboratories in the US and abroad before transitioning to real estate. On this episode of Queer Money, Martin joins us to discuss the driving force behind his success, explaining his philosophy that if you do what you love, the money will follow. He walks us through his morning routine and describes how the process makes him a leader in his field. Listen in for Martin’s insight around the value in hiring a coach and learn how his success gives him the time freedom to travel and spend quality time with his husband and son!Mentioned in this episode:Get Your Portugal Golden Visa Here!Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement MentorshipYour fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement Vault

How do you feel about going to the bank? Does it sound boring? Or maybe a little intimidating? Who do you expect to talk to there? Somebody in a suit who doesn’t really get you? What if the banking experience was more fun and less stressful? What if you could talk to someone like you—and get the help you need? Jennifer Windbeck is the Managing Vice President of Capital One Cafés and Branches, In-Store Experience, Operations and Network Management with Capital One. In her role, Jennifer leads the growing network of cafés across the US, and she is responsible for associate and customer experience and localized brand-building activities. Capital One is committed to supporting the queer community, earning a perfect score on the Human Rights Campaign’s Corporate Equality Index. The bank was also designated as one of best places to work in terms of LGBT equality for the sixteenth consecutive year! On this episode of Queer Money, Jennifer joins us to explain what Capital One means by Banking Reimagined and discuss how the company is tapping into emerging retail trends through their café experience. She describes the bank’s just-in-time money coaching, sharing Capital One’s focus on personal connection and adapting to what people really need. Listen in for Jennifer’s insight around Capital One’s efforts to hire a diverse group of ambassadors and learn how the bank is engaging with trusted organizations in the communities it serves.Mentioned in this episode:Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement MentorshipGet Your Portugal Golden Visa Here!Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement VaultYour fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!

On this episode of Queer Money, we have another member of the Credit Card Pay Off Course. If you had to pick one adjective to describe how you feel about your credit card debt, what would it be? Most people choose the word shame. Jeanette was in a very dark place just six months ago, feeling like a failure when it came to money. Today, her outlook has shifted completely, and she is confident that she CAN and WILL succeed in paying off her debt—with the support of the Credit Card Pay Off Course. On this episode of Queer Money, Jeanette joins us to share her story of acquiring $60K in debt, explaining how taking out a personal loan to pay off credit cards did not improve her financial situation. She describes the scarcity mindset that contributed to her money issues and walks us through the medical event and the peer pressure to spend on her sister’s wedding that put her on the wrong path. Jeanette also discusses her experience with the Credit Card Pay Off Course so far, offering insight into how she has gone from feeling irresponsible and overwhelmed to confident and hopeful. Listen in for Jeanette’s take on paying off debt the ‘hard way’ and learn how support and accountability have been crucial to her success!Mentioned in this episode:Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement VaultYour fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement MentorshipGet Your Portugal Golden Visa Here!

On this episode of Queer Money, we are tackling a topic that keeps coming up in our Queer Money Facebook group and from the emails we receive from our followers. There’s an episode of Friends where they all go out to dinner to celebrate Monica’s promotion, and when the bill arrives, Ross splits it six ways. If you’re Phoebe, who ordered the cup of soup, or Rachel, who got a side salad, that’s a pretty frustrating situation. Do you risk the embarrassment and say something? Or give in to the peer pressure to spend? On this episode of Queer Money, we’re sharing our five top tips for overcoming the peer pressure to spend in social situations. We cover the value of using cash instead of cards, discussing how access leads to overspending, and offer advice on going out with an entrance and exit strategy. We go on to explain why it’s helpful to share your financial goals with your friends to gain their support—and maybe even inspire them to work toward their own hopes and dreams! Listen in for insight on avoiding the temptation to participate in rounds of drinks and learn how an accountability partner can help you overcome the peer pressure to spend.Mentioned in this episode:Get Your Portugal Golden Visa Here!Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement MentorshipYour fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement Vault

On this week's Queer Money we are discussing how our thinking can impact our financial future and how it has helped or hindered our current situation. We discuss some of the thinking errors highlighted in our eBook - The 7 Thinking Errors that Prevent Financial Freedom. “Your beliefs become your thoughts, your thoughts become your words, your words become your actions, your actions become your habits, your habits become your values, your values become your destiny.” --Gandhi Not happy with your current financial situation? It may be the result of one or more thinking errors, the self-defeating beliefs that influence our thoughts and actions in a negative way. So, what are some of the errors in thinking that keep us from achieving our money goals? And how can we change our belief system to get different results? On today’s episode, we’re discussing the most common thinking errors (as identified by our Queer Money Facebook Group) that prevent our financial success. We explain where our thinking errors come from and how belief systems influence our results. We weigh in on the thinking error around not being responsible for our own financial situation, describing the inclination to blame others and believe there’s nothing we can do to change things. We go on to cover the belief that we can wing it with our money, challenging the LGBTQ community to become conscious of how we’re spending and develop a plan for financial success. Listen in for insight on the false belief that more money will solve our problems and get our top tips for identifying and overcoming the thinking errors that hold us back!Mentioned in this episode:Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement VaultYour fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement MentorshipGet Your Portugal Golden Visa Here!

On this Queer Money, we discuss a topic that often brings up angst for many in the LGBTQ community; should I be out at work? An estimated 50% of LGBTQ individuals in the US are not out at work. Why does visibility matter? What can companies do to encourage self-identification? And how can businesses use this information to support queer employees and advocate for equality in the places where they operate? Todd Sears is a former investment banker and financial advisor turned entrepreneur for equality. He led pioneering LGBT+ inclusion initiatives at Merrill Lynch and Credit Suisse before founding Out Leadership in 2011. Todd originated the idea of a Return on Equality, and his global leadership initiatives seek to engage senior leaders around LGBT+ opportunities, develop talent, and impact business results. Today, Todd joins us to discuss the recently published LGBT+ Self-ID Study, explaining what prompted Out Leadership to conduct this research and how companies can use the information. He weighs in on what companies need to do to promote LGBT+ self-identification and offers insight around the pros and cons of coming out at work. Listen in to understand what Out Leadership hopes to accomplish through the LGBT+ Self-ID Study and learn how visibility among the queer community improves the corporate culture for other minority groups!Mentioned in this episode:Your fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement VaultGet Your Portugal Golden Visa Here!Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement Mentorship

On this episode of Queer Money, we are continuing our series of highlighting stories of others who are on the path to becoming debt-free. Ready to get out of debt once and for all? If so, you’d better be ready to take a deep dive into what got you there in the first place. As Nathan, a student in our Credit Card Pay Off Course will tell you, the first step in fixing your financial situation is developing an awareness of how and why you spend the way you do. On this episode of Queer Money, Nathan joins us to explain how his financial situation changed when his partner joined the military—but their spending didn’t. He describes how covering the bill for friends at restaurants and bars compounded his debt and explores how being a gay man influenced his spending. Nathan also shares how moving to Japan inspired him to fix his finances and why it’s crucial to understand the psychology of your spending. Listen in to find out how Nathan has paid down $10K so far and is on track to save $3,800 in interest payments by the end of the year with our Credit Card Pay Off Course!Mentioned in this episode:Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement VaultYour fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!Get Your Portugal Golden Visa Here!Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement Mentorship

Queer Money listeners and Facebook group members have told us several times that their #2 financial concern is saving for retirement. So this week on Queer Money, we are tackling a major question. Are you throwing away free money? If you’re not taking advantage of the option to invest in a 401(k) or 403(b) at work, that’s EXACTLY what you’re doing. So, how do these employer-sponsored retirement accounts work? How much free money will the organization you work for contribute? And how can participating put you on the road to financial security? On today’s episode of Queer Money, we’re sharing the ins and outs of the most common employer-sponsored retirement accounts, the 401(k) and 403(b). We explain how employees make contributions to these accounts via a payroll deduction and what types of investments fund administrators put that money toward. We go on to discuss the similarities between 401(k)s and 403(b)s, weighing in on their like contribution limits, withdrawal fees, and tax-free rollovers. Listen in for insight around what distinguishes the 401(k) from the 403(b) in terms of investment options and learn how participating in your employer-sponsored retirement account can help you achieve financial security!Mentioned in this episode:Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement MentorshipGet Your Portugal Golden Visa Here!Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement VaultYour fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!

On this week's Queer Money we are joined by Thomas Tucker, another LGBTQ podcaster to discuss his journey as a podcaster. Are you tired of the ‘people suck’ narrative that seems to rule traditional media? Wish someone was telling the stories of cool people doing amazing things? Even better, what if someone was amplifying the diverse voices within the LGBTQ community, the kind voices we don’t usually get to hear? Thomas Tucker is the creator and host of the Uncensored Visionary, a podcast highlighting badass people in the queer community to explore what makes us so incredible and diverse. Beyond the podcast, he works full-time in finance, chairs a nonprofit group of young professionals, and does marketing for R&B singers that deserve to be heard. Today, Thomas joins us to define what it means to be an uncensored visionary and explain what inspired him to start the podcast. Thomas shares some of his favorite podcast guests, describing why he’s inspired by people who lift others up while growing their own talent. He also walks us through the steps he took to get started and offers insight around the effort he devotes to the show each week. Listen in to understand what Thomas has learned from being a podcaster and find out about Thomas’ long-term vision for the Uncensored Visionary!Mentioned in this episode:Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement VaultYour fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement MentorshipGet Your Portugal Golden Visa Here!

Beginning in May 2019, John and I set out on the very first Queer Money Live tour. On this episode of Queer Money, we talk about what we learned on that tour by talking with LGBTQ people from 7 different cities across the North East. We need to start talking about money. To build a strong queer community with the financial resources to live our best lives and continue to push for equality, we’ve simply got to share what we know. So, how do we start the conversation and catch up with other communities? On today’s episode of Queer Money, we’re sharing the 3 themes that emerged from the first leg of the Queer Money Live Tour. We discuss the recurring idea around spending to make up for the past, explaining how we develop attachments to things to mask our pain and why we spend to prove we’re lovable. We go on to explore why the LGBTQ community seems to have accepted debt as a way of life, challenging you to look at whether you truly have an income problem or a spending problem. Listen in for insight into how sharing what you know helps our community make better financial decisions and get inspired to take on the Credit Card Interest Rate Reality Check!Mentioned in this episode:Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement VaultYour fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!Get Your Portugal Golden Visa Here!Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement Mentorship

On this week's Queer Money we're talking about making more money! We often talk about how to cut expenses, but we also have to look at increasing income so we can thrive financially. The beauty of the sharing economy is that you can earn money from things you already own. Got a spare bedroom? A couch? A tent in the backyard? You might be surprised how much you can earn by listing your space on Airbnb, Mrb&b, or any other short-term rental site. You might even choose to expand this model and build a business around the vacation rental model. Zeona McIntyre is an Airbnb host, real estate investor and short-term rental consultant. In addition to her own six properties, Zeona manages another 20 listings and teaches aspiring STR hosts how to create their own automated businesses. She reached her financial independence number at the age of 28, and now Zeona has the freedom to travel the world and manage her vacation rentals from her phone or laptop. Today, Zeona joins us to explain how she built a business around short-term rentals and what steps she took to achieve financial independence. Zeona shares the three ways to get started on Airbnb with little or no startup costs, discussing who’s the right fit for this business model and how much you can earn as a property manager. Listen in for Zeona’s simple, three-step process for becoming an Airbnb host and learn how to use the STR model to get out of debt and achieve financial freedom!Mentioned in this episode:Your fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement VaultGet Your Portugal Golden Visa Here!Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement Mentorship

On this week's Queer Money we continue looking at the success stories coming out of the Credit Card Pay Off Course, which opens back up Sunday, September 8th, for 5 days only! Karen and Dave were struggling. Unplanned expenses forced the couple to max out several credit cards, and they weren’t sure how to fix it on their own. That’s when they came across our Credit Card Pay Off Course and made the decision to invest in their future. On this episode of Queer Money, Karen and Dave join us to share their experience with the Credit Card Pay Off Course, explaining how family obligations, unexpected healthcare expenses and unconscious spending led to their serious credit card debt. They explain how they learned about the course and what makes it different from other programs in terms of flexibility and the detailed spending analysis. Karen and Dave also discuss the progress they’ve made so far, describing how they’ve adjusted their spending habits to pay off several cards and significantly decrease their monthly interest payments. Listen in as Karen and Dave share their plan to buy a travel trailer once they’ve built up savings and learn how your hopes and dreams can inspire YOU to pay off credit card debt and live the life you want!Mentioned in this episode:Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement MentorshipGet Your Portugal Golden Visa Here!Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement VaultYour fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!

On this week's Queer Money we are honored to host the 9 times New York best selling author David Bach. “If you don’t know where you’re going, you may not like where you end up.” How do you make decisions about how to spend your money? Do you have a vision of what you want your life to look like that guides you? Do you spend with intention, based on your values? Or unconsciously, based on someone else’s idea of what’s important? David Bach is one of the most popular financial authors of our time. He has written nine consecutive New York Times bestsellers, including Start Late, Finish Rich, The Automatic Millionaire, and his new release, The Latte Factor. David has been teaching people how to be smarter with their money since 1994, speaking internationally and making thousands of media appearances, with spots on The Today Show and The Oprah Winfrey Show, among many other outlets. He is also the founder of Finish Rich Media and co-founder of AE Wealth Management, a firm boasting $8B in assets under management. David joins us to share the premise of his new book, The Latte Factor. He explains why having a vivid vision is crucial to changing your financial life, discussing how clear values make money decisions easier. David also addresses how to avoid getting sidetracked by values that aren’t your own and overcome the perception that you’re not worthy of more than a mediocre life.Mentioned in this episode:Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement VaultYour fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!Get Your Portugal Golden Visa Here!Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement Mentorship

On this week's Queer Money we talk with Alison & Ali about living their best lives. Do you ever dream of retiring early and traveling the world with your partner? You can make that dream a reality, but it does require careful planning. Ali & Alison Walker are the creators of All Options Considered, a platform where they share their journey to financial independence and adventures in slow travel, most recently making their way through Southeast Asia. Today, they join us to explain what inspired them to retire early and what steps they took to achieve the financial freedom that makes their current lifestyle possible. Ali & Alison weigh in on the concept of geoarbitrage, discussing how they make decisions around where to travel based on the cost of living and LGBTQ discrimination. They also offer insight into how they are financing their travel, what strategies they use to stay on budget, and how they get routine medical care in other parts of the world. Listen in for Ali & Alison’s advice on how to adopt a similar lifestyle and learn how you can retire early and travel the globe with your partner! Queer Money is made possible by the support of Capital One. Mentioned in this episode:Your fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement VaultGet Your Portugal Golden Visa Here!Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement Mentorship

Get this week's QUeer Money freebie here: www.debtfreeguys.com/159 Purchasing a home is a big emotional and financial decision for couples, LGBTQ or otherwise. How do you know if you and your partner are ready? And what steps can you take to save tens of thousands (or maybe even hundreds of thousands!) of dollars over time? On today’s episode of Queer Money, we’re sharing 5 tips for buying a home as a couple. We start by explaining how your credit scores impact the interest rate on your home loan and offering insight on how to improve your scores if necessary. We provide a list of questions to help you decide on your must-haves and set parameters to stay within your price range. We go on to discuss the value in reviewing your budget, addressing how to factor in the additional expenses associated with homeownership. Listen in for advice on getting an estimate from a lender, handling legal matters up front, and saving for a down payment—to save A LOT of money in the long run!Mentioned in this episode:Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement MentorshipGet Your Portugal Golden Visa Here!Your fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement Vault

On this Queer Money, we're talking to Fred Norrell about his journey of discovery when it comes to credit card debt and paying it off. According to a recent CNBC study, a full 75% of Americans admitted to winging it with their finances. Fred Norrell was among that 75% until he invested in our Credit Card Pay Off Course, and today, he is on the road to early retirement. So, how has the course helped Fred become more aware of his spending and develop a plan to achieve financial independence? On this episode of Queer Money, Fred joins us to share his experience with the Credit Card Pay Off Course, explaining what inspired him to take action now and why he chose our program in particular. He describes his shock in completing the Spending Analysis and discusses how unconscious spending contributed to his significant credit card debt. We address the myth that debt will go away as you earn more, and Fred walks us through the aspects of the course that have been most beneficial—from the weekly calls to the Dynamic Budget. Listen in as Fred shares his dream of spending time on the beach in Fort Lauderdale and learn how the Credit Card Pay Off Course can help you eliminate debt and live the life YOU want!Mentioned in this episode:Your fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement VaultWant the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement MentorshipGet Your Portugal Golden Visa Here!