Queer Money®: How Gay People Do Money

Get the bundle here: debtfreeguys.com/142 Is your money situation stressing you out? Maybe you’re living paycheck-to-paycheck, and you’re nervous that you couldn’t cover even a simple emergency. You know that following a budget is step one in improving your financial health, but you’re not sure where to start. Here’s the thing: You DON’T need to create a budget. That’s because we’ve done it for you! Today, we’re sharing the tools included in our plug-and-play Budget Buster Bundle. We discuss the current statistics around budgeting in the US and explain why it’s crucial to your financial wellbeing. We go on to describe the value in a dynamic budget that gives you the wiggle room to live a real life and allows for spending on the things that make you happy. Listen in for insight around automating your budget and find out if the Budget Buster Bundle is right for you! Get the bundle here: debtfreeguys.com/142Mentioned 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

While the fundamentals of money are the same for all of us, our experiences, risks and concerns are all unique. In that way, queer money is different from straight money. And within the LGBT community, the degree of struggle varies. Our experience as cis, white, gay men is different from that of a transgender individual who may find it challenging to open a bank account because they don’t look like the picture on their driver’s license. So, what can we learn from listening to their stories? Brynne Conroy is a personal finance writer who started covering money when she didn’t have any. As she discovered ways to save and earn more, Brynne shared them on her blog, Femme Frugality. In October of 2018, she published the Amazon bestseller The Feminist Financial Handbook: A Modern Woman’s Guide to a Wealthy Life. One of the women featured in Brynne’s book is Nicole Lynn Perry, a transgender veteran and rainbow community advocate based in Seattle. Today, Brynne and Nicole join us to discuss The Feminist Financial Handbook. Brynne explains what drew her to Nicole’s story and why she chose to include it in the book, and Nicole shares her background serving in the US Marine Corps before transitioning and eventually becoming an activist for the queer community in general and transgender service members specifically. Nicole also explains what life is like for a transgender person in the US, describing the challenges around changing your name and gender marker and the difference in quality of life based on location. Listen in for insight into the transgender experience and learn why you should always take the time to listen to someone else’s story!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!

5 Unique Steps to Initiate the Money Conversation with Your Spouse Initiating a conversation about money is never easy. You may even feel a certain amount of shame around your financial situation and talking about it can be incredibly uncomfortable. On the other hand, you know how important it is to be on the same money page with your partner. So, how do you broach the subject with a significant other who is resistant to discussing money? Today, we’re sharing five unique tactics for initiating the money conversation with your partner. We explain how to soften the money discussion by blaming us or bringing it up in a quiet public place. We go on to offer insight into the value of exposing your own vulnerability first and focusing on how to achieve your shared hopes and dreams. Finally, we cover the strategy of sharing your feelings and concerns with the intent to find a solution for yourself. Listen in to understand the many benefits of having an open, honest conversation about money with your partner—and learn how working on your finances together leads to more happiness AND better sex!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

Life Insurance When HIV+ with Sau El of Simply Insurance Life insurance is incredibly important. Not only does the death benefit cover funeral costs, the payout can provide long-term financial security for your loved ones. But what if you are HIV+? How challenging is it to secure a life insurance policy if you have the human immunodeficiency virus? Sau El is the Co-founder and CEO of Simply Insurance, a platform providing a simple and fast way to purchase insurance online. Sau is a licensed life and health insurance agent with 10-plus years of experience in the insurance industry. In addition to being an ambitious entrepreneur, Sau is an insurance educator and field underwriter on a mission to get one million families insured. Today, Sau joins us to explain the fundamentals of underwriting as well as the benefits of securing a no-exam policy. He offers a brief history of the no-exam option and discusses the difference between a group and individual policy. Sau walks us through the life insurance options available to people who are HIV+, covering the ONLY company willing to underwrite those individuals, the additional requirements for someone who’s HIV+, and what factors may STILL prevent them from being approved. Listen in to understand the benefits of buying a policy as soon as possible and serving as both owner and insured—and learn where to go for resources and support in choosing the most affordable life insurance product for your situation!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

At the end of our lives, we tend to regret the things we didn’t do, the opportunities missed, the risks we didn’t take. Yet in the day-to-day, the familiar holds us back. We stop ourselves from pursuing ‘crazy ideas’ and chase the cultural idea of what it means to be successful. But what if success is less about wealth or fame—and more about living the life you want? What if taking a leap could help you discover the real you? Don’t you owe it to yourself to give it a shot? Justin McCarty was living in Denver, working 60 to 70 hours a week at a job he’d had for 12 years. He made a lot of money, but he was constantly connected to his phone and had very little free time. On a trip to Barcelona, he felt an overwhelming sense of liberation and got curious about making his vacation a little more permanent. Today, he is living and working in Spain, teaching English and experiencing a level of joy he never dreamed possible. On this episode of Queer Money, Justin joins us to explain how he made the decision to move to Barcelona, sharing what his life was like in Denver and how his priorities shifted after experiencing Spanish culture. He shares the logistics of moving to a foreign country and his experience as an ex-pat living in Europe. Listen in for Justin’s insight on acclimating to a new culture and learn how he is achieving new levels of happiness and confidence in beautiful Barcelona!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

How long have you wanted to be debt free? This is the year! The statistics are bleak: The average LGBTQ family has roughly $12K in credit card debt. We assume 17% more student loan debt than our straight peers—which translates to about $40K—and 79% of queer students have both credit card AND student loan debt prior to graduation. The financial burden of owing money also takes a toll on our mental and physical health, creating additional stress and diminishing our quality of life. So, it’s no wonder credit card debt is a leading concern of the LGBTQ community. Today on Queer Money, we’re addressing that concern with the Credit Card Pay Off Course available for a limited time through our website. We start by explaining how financial freedom serves as a way to RESIST, allowing us to spend money on education or organizations that support the queer community. We also share our objectives for the course, describing how removing the burden of debt can improve our outlook and allow us to work toward other financial goals. Finally, we walk through the main components of the Credit Card Pay Off Course, from instructional videos and reading material to easy-to-use checklists and tools to a custom Facebook support group. Listen in to understand how we used this system to pay off $51K of our own credit card debt in just 2½ years and learn how it has helped other couples and individuals prioritize financial self-care, save thousands of dollars, and lift the burden of credit card debt!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

Get full notes here: debtfreeguys.com/bad-with-money If someone approached you in a coffee shop and asked about your favorite sexual position, would you be willing to share? What if they wanted to know your bank balance? While most of us are open to the topic of sex, money is considered taboo. Talking about our financial situation is deemed ‘too personal,’ and most of us carry around a lot of embarrassment about our money situation. So, why are we more inclined to discuss sex than money? Why do so many of us continue to struggle with money despite all the advice that’s out there? And why do we feel so much shame around being ‘bad with money’? Gaby Dunn is the writer, actor and New York Times bestselling author behind the YouTube comedy channel Just Between Us, the novel, I Hate Everyone But You, and the nationally-recognized podcast Bad With Money, a finance show for ‘the rest of us.’ Gaby brings a queer, feminist point of view to the money conversation, and her new book, Bad With Money: The Imperfect Art of Getting Your Financial Sh*t Together, explores our inability to speak honestly about money and offers practical personal finance advice like how to choose an insurance plan, buy a car, or take out student loans. Today, Gaby joins us to share her experience with being internet famous, discussing the fans’ assumption that creators make a lot of money and the demonetization of LGBTQ content. She explains the impetus for her podcast and book, offering insight on why people are turned off by traditional financial advice and the stigma around talking about money. Gaby also describes the systemic issues faced by marginalized communities and outlines some of the unique financial challenges among the queer community. Listen in for Gaby’s thoughts on ‘unwiring the carpe diem mentality’ and learn where to go for LGBTQ-specific money advice!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!

Would you like to be debt free by 2020? If financial security is on your list of New Year’s resolutions, we’ve got nine simple moves that will help you WIN the money game in 2019. We start with the concept of a Dinero Detox, explaining how to clean out your ‘money system’ by eliminating discretionary spending for a weekend—or longer! We go on to discuss retirement savings, sharing resources to help you track and grow your nest egg. We also cover credit scores, describing how our free tools can help you lower interest rates and ultimately pay off your debt more quickly. Finally, we talk about reducing your food spend, sharing the templates and apps we use to shop more efficiently and save thousands of dollars every year. Listen in for insight on planning your social calendar in advance and learn how to find freebies and discounts so you can have a fabulous life—for less—in 2019! Topics Covered Tip #1—Perform a Dinero Detox • Eliminate discretionary spending for the weekend Tip #2—Crunch retirement numbers • Take advantage of Magic Money Calculator Tip #3—Sign up for Blooom’s free portfolio analysis • Reduce fees and increase your potential return Tip #4—Complete the Credit Score Checklist • Better score = lower interest Tip #5—Use the Credit Card Comparison Calculator • Compare interest rates, pay off debt faster Tip #6—Utilize a grocery list and menu • Save thousands on groceries, dining out Tip #7—Download the AnyList app • Grocery list updates in real time Tip #8—Plan your social calendar in advance • Good quality of life AND control budget Tip #9—Get discounts/freebies with the Entertainment Book • Ideas for things to do, don’t pay full price For links to all the tools in this episode click here: https://debtfreeguys.com/best-year-ever/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

In the queer community, we still run the risk of losing a job or being denied services due to our sexual orientation or gender identity. In fact, there are 30 states where it is perfectly legal to discriminate against an individual because they identify as LGBTQ. And we know that such inequity impacts our quality of life. But have you ever stopped to consider how it might impact our financial health? Leslie Tayne is the founder and lead attorney at Tayne Law Group, a debt solutions law firm based in New York City. Leslie has 20 years of experience in the practice of consumer and business financial debt-related services, and her work has appeared in Inc. Magazine, Forbes and the Huffington Post, among many other media outlets. Tayne Law Group has been voted Bethpage Federal Credit Union’s best debt consolidation service four years in a row, and Leslie has twice been honored as one of Long Island Business News Top 50 Most Influential Women in Business. She is also the author of Life & Debt: A Fresh Approach to Achieving Financial Wellness. Today, Leslie joins us to offer her insight on LGBTQ discrimination and share what steps to take if you are being discriminated against. She discusses the impact of discrimination on our finances, explaining why a healthy savings account is crucial for the queer community. Listen in for Leslie’s top tips on managing debt and learn how short-term financial discipline can lead to long-term rewards!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!

Sometimes it's the simple changes that we make that have the biggest impact on our lives. When those changes become habits that we put into our daily or weekly lives, the impact can be dramatic. If you're looking to save some money and get ahead financially, look at the things you do every day or every week and ask, where can I make a small change that will have a bit impact? We did this with our grocery shopping and it saved us tens of thousands of dollars a year. Listen to this episode to hear our simple three-step strategy that not only saved us money but helped us pay off our debt fast! Get the menu and grocery list templates here: https://debtfreeguys.com/grocery-and-menu-templates/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!

What is the financial state of LGBTQ families? Are we as Queer people ready to retire? We invite Lisa Campbell and Stephen Brokaski of MassMutual on the show this week to share the data from two ground breaking studies that look at the state of LGBTQ families and the preparedness of LGBTQ retirees and pre-retirees. The data was pretty surprising, especially for a community that is often perceived by the media and masses as being fabulous and financially set. What we uncover in this podcast should give every Queer person pause when it comes to how and where we spend our money.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!

It doesn't matter if you're gay, lesbian, bisexual, transgender or queer, it seems like the travel bug and wunderlust seems to hit us all. Did you know that the LGBTQ community spends upwards of 10% of our income, no not disposable, all income, on travel. With that much being spent, there has to be a way to curb your travel costs. We've come up with a list of 9 gay travel apps and sites that will help you travel cheaper, safer and better. Check out the list.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

November is National Adoption Awareness Month. The LGBTQ community is more likely than the general population to be adoptive parents. The costs associated with adoption can range from foster care adoptions with many of the costs being covered by the local foster care system, to infant adoption with a birth mother, which can be much more. How can you prepare? We've invited Adrienne Elliott of Adoption Options to help explain the process and options for prospective LGBTQ parents.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

There are currently over 100,000 children in the foster care system in the United States. These are children waiting to find a forever home with a mom a dad or maybe two of each. Have you ever considered foster care as the path to creating your family? On this week's Queer Money we kick off a two-week celebration of National Adoption Month. We've invited Jillian Johnsrud of MontanaMoneyAdventures.com to join us. She and her husband have adopted four children, the first when she was just 22. Here her story along with detail on how you can help the hundreds of thousands of children waiting for a parent to take them home. Get the full show notes here: https://debtfreeguys.com/lgbt-foster-parents/ ‎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

Love a good holiday cocktail party? I thought so. We've thrown our fair share of parties over the years, some great, some not so great. We've learned that you don't need to spend a ton of money to have a great party. If you're planning a holiday party this year and want to stay within your budget we've got some great suggestions for you. In fact we've got 7 tips that will help you keep your budget under $100. We've also included a grocery list and menu, along with a couple of signature cocktail recipes. Get them here: www.debtfreeguys.com/128Mentioned 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!

This week on Queer Money, we focus on explaining the questions you've asked us about credit scores. When asked, you, our listeners and readers, told us that improving your credit score was your #3 financial goal, behind eliminating credit card debt and saving for retirement. We dive into questions like: 1. What’s the easiest way to find my credit score? 2. Why is my credit score different depending on where and when I get it? 3. How many points do hard inquiries take off my credit score? 4. Couldn’t I apply for more credit, thereby increasing my available credit, to lower my credit utilization? 5. What’s the best, most efficient way to improve my credit score? Queer Money is made possible by the support of MassMutual. Thank you for supporting this podcast. To learn more about MassMutual's work in the LGBTQ community, click here: www.debtfreeguys.com/go/massmutualMentioned 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!

If you are a small business owner, the value of your business is something that can make or break your ability to stay in business, especially when it comes to getting loans. Your business valuation number will help with legacy planning and even how and who should manage your business when you're ready to take a back seat. On this episode of Queer Money we invite Tracy Shaw, AVP of Business and Market Development at MassMutual Financial Group, to talk with us about how MassMutual is helping small business owners determine their business valuation, the tools they use and offer as well as how their advisors include this important number in overall financial planning for their clients. Queer Money is made possible by the support of MassMutual. Check out how MassMutual supports the LGBTQ community at www.debtfreeguys.com/go/MassMutualMentioned 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!

June 26, 2015, brought gay marriage to the land. June 27, 2015, brought gay divorce. Sadly LGBTQ unions are not impervious to irreconcilable differences. So what is a queer person to do to protect their finances if divorce seems to be looming on the horizon? How can we prevent it from being a colossal financial nightmare? We're joined by Kayla Sloan and Shanah Bell of CashWiseExwives.com to share their respective stories of divorce and how they are now equipping both women and men to be financially prepared for the undo of the "I do." Queer Money is made possible by the support of MassMutual. If you enjoy this podcast please thank MassMutual.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!

One of the biggest financial concerns of the LGBTQ community is healthcare. Many queer people worry about changes to the Affordable Care Act under the current administration. There is a lot of noise surrounding the Affordable Care Act, and that makes it difficult to distinguish what is true from partisan rhetoric. A recent Policygenius survey regarding the ACA reveals that literacy around the law—and health insurance in general—is distressingly low. So, where can we go for accurate information as open enrollment approaches? Join us, along with Myles Ma from Policygenius as we discuss changes and what you can do to be better prepared. Queer Money™ is made possible by the support of MassMutual. Please join us in thanking them for their continued support of the LGBTQ community. To learn more about MassMutual visit https://debtfreeguys.com/go/massmutual/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

Queer Money™ this week is all about your questions. We've taken 3 questions from the Queer Money™ Facebook group and are sharing our thoughts with you on these 3 topics. They includ: How to choose a charity to give money to when I am finally done paying off my debt? How much do members of the group spend on dining out each week? How much should I be tipping when I am dining out or at a coffee shop? Queer Money™ is made possible by the support of MassMutual. Please join us in thanking them for their continued support of 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 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!

Many in the queer community, whether they be a transgender woman of color, a lesbian Latina, a bisexual Asian woman or a cis gay man, struggle with feelings of self-worth. All to often these feels of lack creep up in our lives and manifest themselves at the most in opportune time. Especially when we are writing our own annual reviews for work. If you want to write your best annual review ever, then check out this episode of Queer Money™, where we give 6 great tips as well as swipe copy that will allow you to write an amazing review and get a better bonus or merit increase, thus improving your chances at earning more. Queer Money™ is made possible by the support of MassMutual. Please join us in thanking them for their continued support of the LGBTQ community.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

Matt Baume, a self-defined geek that is taking the queer community on a fun ride with his podcasts, videos, books and writing on publications both queer and accepting. Ready to get your queer gaming on? Love drag queens and D&D? He's got a fun mix. We also talk about his Sewers of Paris podcast and how he lassoed all of the things "he" loves and built them into a business that helps him live the life he wants. Which of course is the Debt Free Guys definition of a fabulous life. Join us in this fun romp with Matt Baume on Queer Money™ sponsored by MassMutualMentioned 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!

The Pink Dollar is estimated to be $971 billion dollars in buying power. The power of LGBTQ businesses is even more. There are an estimated 1.4 million LGBT owned businesses in the United States alone. The place where many of them come together to learn best practices and connect with Fortune 500 companies that have a mission to include them in their supply chain is at the NGLCC International Business and Leadership conference. This year's conference was a first for the Debt Free Guys and Queer Money. Listen to this week's episode to learn more from attendees, both small business and supportive companies why this conference makes a difference and why we need these types of connections in the LGBT community. This podcast episode is sponsored by MassMutualMentioned 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!

Two queer women working in the non-profit sector dreaming of traveling the world. Could it happen? What about the money? How would they travel? What would the do for income? How long could it last? Heck yeah! They've been at it since February 2018, with no end in sight at the moment. Find out how Liz and Rachel, a lesbian couple who dreamed of traveling the U.S. as adventure travelers are doing it and their tips on how you can do it too! This podcast episode is sponsored by MassMutualMentioned 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

Like many other gay men, Kerrie felt the need to live up to the expectations of his LGBTQ community. He also felt the need to match the lifestyle of the jobs he had. All of this, like your hosts, landed him in tens of thousands of debt. Fortunately for Kerrie, his story is one of success, although not before he had to go on national television and chat with Suze Orman. Which meant he couldn't hide his secret any more and was accountalbe to friends and family to pay it all off. Find out some of the keys to his success. What his life looks like now and why he is much happier today than he was with all the stuff needed to impress his gay friends.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!

Want to retire early? Chad Carson joins us on Queer Money to talk about he was able to retire early and support his family with real estate investments. He also shares with us the 5 keys to making it happen. For full show notes, check it out here: https://debtfreeguys.com/early-retirement-real-estate/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!

Does the queer community need it's on LGBT networking platform? That's the question that Dennis Velco of Outburo.com asked when he started the LGBT Professionals group on LinkedIn. After a massive 45K+ LinkedIn users joined his group and began networking he launched the site OutBuro.com and changed the name of the group to OutBuro on LinkedIn. OutBuro's mission is to help LGBT professionals network and provide them with a place to not only connect but rate the companies they work for the business policies and the enforcement of those policies that are most important to the queer community. This podcast is sponsored by MassMutual.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!

What is it like for a gay man in college sports? Can LGBT players at both the college and pro level successfully be themselves or does the stigma of being queer still weigh heavily on players. Landon Foster, the former punter for the University of Kentucky, is on Queer Money to share his story, why he didn't come out when he was in college and what he hopes for other young players. This episode of Queer Money is being brought to you by MassMutual.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!

There's no doubt about it. The LGBTQ community spends a fair chunk on dining out. Yours truly are no exception. We used to spend $400/wk dining out and still spend hundreds per week on gourmet groceries. It was part of our path to $51k in credit card debt. If you're trying to pay off debt, save money for something special or load up your retirement accounts, then you'll love the 5 unique ways we've come up with to cut your dining out spend. Give them a try and let us know which work for you.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 Queer Money™ we uncover a topic that could impact hundreds of thousands of LGBT teachers and government workers across the U.S. Kimberly Shockley & David Freitag of MassMutual join us to discuss the two rarely discussed sections of the tax code that could literally ruin your retirement if you don't plan ahead. For complete detail head over to the show notes page: https://debtfreeguys.com/social-security-offsetsMentioned 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!

Gay taxes don't have to be difficult If you are a same-sex married spouse, the IRS may owe you money! A recent Credit Karma LGBTQ tax study found that 35% of same-sex married couples are unsure about their filing status. If you are among the 35% and you filed as single, head of household or married filing separately, you may not have received all the tax breaks and benefits you deserve. But the good news is, can file and amended return and get that cash back! Christina Taylor is the Senior Manager of Tax Operations for Credit Karma, the online platform working to make financial growth possible for everyone. Credit Karma is on a mission to give its 75M members free access to the tools, education and opportunities necessary for making real, meaningful progress in their financial lives. Christina joins us to share the findings of the Credit Karma LGBTQ tax study. She explains why tax law is so confusing for same-sex married couples and walks us through the five potential filing statuses. Christina discusses her top takeaways from the study, offering insight around filing jointly, claiming the adoption tax credit, and filing for a medical deduction. Listen in for Christina’s advice on filing an amended return and learn how Credit Karma can help you receive all of the tax breaks and benefits available to you! Get show notes here: https://debtfreeguys.com/gay-taxes/ ‎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

Queer Money hosts Lillian Karabaic and finds out how she uses Ziggy Stardust as her personal finance muse. A little glitter makes everything better—and that includes personal finance! Ziggy Stardust and kitten videos may not be the first things that come to mind when you think about getting educated on money matters, but that’s because you haven’t met Lillian Karabaic. Lillian is a personal finance coach for millennials, teaching workshops and hosting the weekly podcast, Oh My Dollar! Despite working in the nonprofit realm and earning a modest income, she has traveled to 31 countries and remains debt-free. Lillian is passionate about helping artists and freelancers feel comfortable making money decisions, and she is the author of Get Your Money Together, a purr-sonal finance workbook to help you budget your money and save for retirement. Lillian joins us to explain how she stumbled into personal finance and why David Bowie is a part of her approach. She shares her personal secrets to avoiding student loan debt and saving money on minimum wage. Lillian offers advice on FAFSA access for homeless LGBTQ youth and addresses affordable healthcare as the #1 hurdle for the queer community. Listen in for insight around effective budgeting based on your values and learn to channel Ziggy Stardust as your personal finance muse!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

Queer, gay, lesbian, bisexual or trans, we've all got concerns about money, especially as teens growing up in non-supporting families or communities. We were both the same way. This week we provide some advice to queer teens from a highsight is 20/20 perspective. Advice we would have given our younger selves when we were struggling with coming out. If you are a queer teen or know someone who is then please share this episode with them and help them prepare for a better life, both financially and more.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

Resources: https://debtfreeguys.com/workplace-equality-index/ When you think of an activist, what comes to mind? Marching in the streets? Are there other ways to promote LGBT rights, advocating for workplace equality and social change? John Roberts is the creator of the Workplace Equality Index, an equal-weighted index of companies that support LGBT equality in the workplace. He also serves as partner and portfolio manager with Denver Investments, where he has managed portfolios screened for LGBT-inclusive policies since 1998. John writes and speaks extensively on the benefits of workplace equality and activist investing, and he was named Entrepreneurial Man of the Year by the Colorado LGBTQ Chamber of Commerce. John joins us to explain how managing funds for the Kevin Mossier Foundation led to the creation of the Workplace Equality Index. He describes the process of identifying companies that support LGBT-inclusive policies as well as the progress we’ve made toward workplace equality. John addresses the crucial role of business in driving social change, discussing the impact of data in making the shareholder case for LGBT rights. Listen in for insight around identifying the companies that truly ‘walk the walk’ and investing in a portfolio that aligns with our values!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!

Show notes: https://debtfreeguys.com/return-on-equality/ Todd Sears’ Return on Equality Out Leadership is on a mission to engage the world’s top corporations in implementing inclusive policies and advocating for LGBTQ leadership and equality. So, how can the LGBT community and our allies support those businesses that use their power for good, adopting diversity as a core business value? Todd Sears is a recovering investment banker turned LGBTQ equality entrepreneur. He established Out Leadership in 2011 with the intention of mobilizing LGBTQ leadership as a business voice and supporting organizations in tapping into the dividends of inclusion or Return on Equality. Todd created the first team of financial advisors on Wall Street to focus on the gay community and led pioneering equality initiatives for Merrill Lynch and Credit Suisse. He serves on the nonprofit boards of the Williams Institute, The Palette Fund, the Global Equality Fund and Lambda Legal. Today, Todd offers insight around the three pillars of Out Leadership—business, talent and equality. He discusses the slow progress when it comes to LGBTQ leadership at the CEO level of Fortune 500 companies and the shifting perception of being gay at work as an advantage. Todd walks us through Out Leadership’s global initiatives, sharing the details of OutNEXT, OutWOMEN and Quorum as well as their OL-iQ inclusion diagnostic tool. Listen in for Todd’s take on limiting beliefs among the LGBTQ community and learn how we can ensure that businesses demonstrating a true commitment to inclusion are rewarded on their bottom line with a Return on Equality.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!

Full show notes: https://debtfreeguys.com/mental-health-and-money/ Is there a connection between mental health and money? Do you worry about money? A recent survey of our community revealed that 82% of LGBTQ couples worry about money at least once a month, with 58% of respondents admitting to feeling anxious at least once a week! So, what exactly is getting us down? How is the stress impacting our mental health? And what can we do to improve the situation? Is there a solution to better mental health and money? Sam Schultz is the co-founder of Honeyfi, a budget app that helps couples manage their money together. The company recently completed a ‘Love and Money Survey’ with 300 couples in the LGBTQ community to identify their unique challenges and top goals. Sam returns to Queer Money to cover the struggles LGBTQ couples face when it comes to money, beginning with a lack of emergency savings and ongoing worry about money—despite earning more than the median household income. He offers insight around how social media culture plays into the LGBTQ community’s spending choices and why it’s important for us to share honest stories about our money challenges. Sam shares the study’s findings on the large percentage of couples that don’t use any financial tools or resources and the connection between couples with poor credit and mental health concerns. Listen in to understand the opportunities the LGBTQ community has to improve our collective relationship with money and learn how the Honeyfi app can help!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!

Show Notes Here: https://debtfreeguys.com/nglcc/ We Are #LGBTBIZ Family with Jonathan Lovitz Being an entrepreneur is hard enough. You need a solid business plan as well as access to capital and connections with potential partners. A lot of things need to go right to make a new venture successful. Unfortunately, the LGBT-owned businesses who need the collective strength of the community most tend to live in places where there is little access to services. That’s where the National LGBT Chamber of Commerce (NGLCC) comes in, providing a network of support through the #LGBTBIZ family. Jonathan Lovitz serves as Senior Vice President of the NGLCC, an advocacy group aimed at expanding economic opportunities and advancing the LGBT business community. He is responsible for coordinating media and communications, strategic partnerships, and government policy work for the organization. Jonathan appears regularly on MSNBC, CNBC, NPR, The Advocate and Out Magazine, among others, and he was recently recognized by Business Equality Magazine as one of its 40 LGBTQ Leaders Under 40. Today, Jonathan explains the goals of the NGLCC, discussing the connection between social acceptance and economic growth. He speaks to the concept of a ‘return on equality,’ sharing the extraordinary economic impact of the LGBT community in the US and the benefit to corporations that adopt inclusive business practices. Jonathan describes the discriminatory policies that prevent LGBT-owned businesses from competing on a level playing field and offers insight around how the NGLCC can give smaller, queer-owned businesses access to training and opportunity. Listen in for information about the 2018 NGLCC International Business & Leadership Conference and learn the benefits of becoming an NGLCC-certified business!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

Full Show Notes Here: https://debtfreeguys.com/live-debt-free/ Live Debt Free was the Obvious Choice Why did we choose to live debt free over making more money? For some, this seems like the stupid mistake but listen to the podcast this week and find out why. Our First Choice More, more, more. Buy, buy, buy! It’s the American dream, right? It’s in all the pictures we see on Instagram, Facebook and Tumbler. Everyone wants that social medial picture-perfect life. The one that seems to breed envy. The one that makes the rest of us TGIF once a week for 50 weeks a year, while saying, “Ugh! I can’t take another Monday” 50 weeks more. To be honest, it was partly seeing and hearing our FB friends complain about the jobs they hate but felt chained to, each Monday morning that kept us motivated to follow through. You see we were both headed up the pay scale and up the corporate ranks when we had our fateful visit to Winter Park, Colorado. The one that locked us in the car for 90 minutes and forced us to have a heart to heart about our finances. The one that convinced us that living debt free was a better choice than just making more money. We share all of that and more in this week’s Queer Money™ episode.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

🏳️‍🌈 Show notes: https://debtfreeguys.com/money-confidence/ 🏳️‍🌈 Does the LGBTQ community lack money confidence? Are you following all the traditional advice on money, but you still feel stuck? The missing piece may be money confidence, a mindset critical to financial success. So, how do you develop money confidence? What is the connection between financial confidence and your ability to earn? And how might a money confidence coach serve us in the LGBTQ community? Jen Hemphill is an Accredited Financial Counselor and host of the Her Money Matters podcast, a show dedicated to practical money insights. Jenn works with clients as a money confidence coach, helping them do the inner work necessary to spend more consciously and reclaim ownership of their financial lives. She is also the author of Her Money Matters: The Missing Truths from Traditional Money Advice. Today, Jen explains what sets her apart as a money confidence coach, sharing her holistic approach to supporting clients in their financial journey. She defines what it means to have money confidence and offers advice around spending with intention. Jen shares several simple strategies to gain money confidence, discussing how celebrating financial wins provide an instant boost. Listen in for Jen’s insight on determining your values when it comes to spending and learn how Her Money Matters can support you in building that all-important money confidence!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

Complete show notes here: https://debtfreeguys.com/lgbtq-teen-entrepreneurs/ A place for LGBTQ teen entrepreneurs Forty-two percent of students, including LGBTQ student, in grades 5-12 plan to start their own businesses one day and 3% are entrepreneurs already. Is there a place for these LGBTQ teen entrepreneurs to connect and build community with other teenpreneurs? Where can aspiring LGBTQ teen entrepreneurs (and their parents) go for guidance? Meet Eva Baker, the Teenpreneur Conference founder Eva Baker is the founder and CEO of TeensGotCents, a personal finance website devoted to teenagers. The platform is designed to help teens and college students learn to budget their money, stay debt free, shop smart and find a great part-time job. The site has been recognized by The Plutus Awards as the Best Blog for Teens, College Students and Young Adults in 2014 and the Best Generational Finance Blog in 2016. Eva is also the host of the Teenpreneur Conference, a place where business-owning teens and aspiring young entrepreneurs can get together, learn practical skills and connect with brands. Today, Eva shares the inspiration behind both TeensGotSense and the Teenpreneur Conference. She covers what you will learn at Teenpreneur and how the community has grown since its inception in 2016. Eva speaks to her experience working with LGBTQ youth and the inclusive environment fostered at the conference.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

🤑 Get full show notes here: https://debtfreeguys.com/debt-freedom-challenge/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

📱 Get full show notes here: https://debtfreeguys.com/gay-facebook-ads/ Helping LGBTQ Entrepreneurs Flourish with Facebook Ads Facebook has been in the news for the wrong reasons lately. But even with the #DeleteFacebook movement, the platform still has more than two billion active users worldwide. And the same data that was used for evil in the Cambridge Analytica scandal can be used for good to help entrepreneurs find their ideal customers. In fact, for LGBTQ solopreneurs and small business owners, there is no more affordable way to drive targeted traffic to your website—or physical store. Monica Louie is an online business strategist and Facebook ads consultant who works with ambitious online entrepreneurs to help them grow site traffic, build an email list and increase profits! After she and her husband paid off $120K in debt in two years on a single middle-class income, Monica began blogging about their journey. To monetize the blog, she created a webinar and set out to market the training course with Facebook ads. Monica mastered the platform quickly, securing webinar subscribers for a cost-per-conversion of $1.26, then refining the strategy to bring the cost down to $1.01. Soon others were asking for Monica’s help with Facebook ads, and in 2016, she sold her blog and became a full-time Facebook ads coach. Today, Monica offers insight on the recent Facebook controversy, explaining what the platform is doing to prevent further abuses of the use of data. She covers the basics of Facebook ads, discussing how to target a particular community, budget for A/B testing, and design an effective ad. Monica walks us through her five-step process for getting started with Facebook ads and discusses how brick-and-mortar businesses can take advantage of the Store Visit and Offer options to drive foot traffic to their stores. Listen in for more information about Monica’s Flourish with Facebook Ads course and learn how her private Facebook group can help you leverage the algorithm to find your ideal customers and grow your business!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!

Get the Fabulous Social Life Planner Here: https://debtfreeguys.com/100 Make your great gay life greater Living fabulously for gay men means having a great gay social life, but a fabulously gay life can mean a fantastically small bank account! Have a great gay life and a thick bank account with the Fabulous Social Life Planner.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

🏳️‍🌈 Full Show Notes Here: https://debtfreeguys.com/lgbtq-advocacy/ LGBTQ advocacy with Tim Gill As a member of the queer community, should you focus on business or LGBTQ advocacy? Should you first ‘make it’ in your career to have the means to give back later? Or, is it best to put your efforts into LGBTQ activism today? Tim Gill on career and LGBTQ advocacy Tim Gill is a software entrepreneur and philanthropist based in Denver. He created the Gill Foundation in 1994 to advance equality and support nonprofits that serve the lesbian, gay, bisexual and transgender community. Since its inception, the foundation has invested more than $335M in programs across the country. Tim is also the founder and former chair of Quark, Inc., a company that revolutionized desktop publishing with innovative page-layout software. Today, he works in the artificial intelligence space, co-founding the smart home technology startup JStar in 2015. Tim shares the story of Quark, discussing the challenges he faced in the early years—packing boxes and answering tech support calls from bed at 2 a.m.! He explains why he never had the sense that being gay held him back as an entrepreneur and how he developed the confidence to out himself in public. Tim speaks of Colorado’s Amendment 2 in 1992 as the impetus for his LGBTQ advocacy, offering insight around the Gill Foundation’s work to support anti-discrimination legislation and his approach to ‘smart philanthropy.’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!

🏳️‍🌈 Get the full show notes here: https://debtfreeguys.com/better-gay-sex/ Want better gay sex? ‘Talk dirty to me’ may take on a new meaning when you learn that discussing money with your partner leads to a stronger relationship, a better gay sex life (and lesbian, and transgender and straight sex) and greater happiness. How to have better gay sex? We partnered with Honeyfi for a recent survey that revealed that queer couples who track and discuss a shared budget were 81% more likely to report being extremely happy and 54% more likely to report having a great sex life! Want better sex? Talk about your money. How Honeyfi can help you have better gay sex Sam Schultz is the co-founder of Honeyfi, a budget app that helps couples manage their money together. Today, Sam shares the fundamentals of the Honeyfi app, explaining how it facilitates collaboration between partners. We discuss the key takeaways from our comprehensive LGBT and money study. Sam shares his take on the correlation between working together on financial goals and playing together in the bedroom. Download the Honefi app here: http://www.honeyfi.com/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!

🦄 Get your FREE journal here: www.debtfreeguys.com/97 🦄 Living fabulously every day Are you tired of getting the same results day in and day out, year in and year out? Today, on Queer Money™, we’re sharing the five mental and spiritual exercises that we practice for living fabulously every single day. For help, click here to get your free Living Fabulously Daily Journal. 5 daily habits for living fabulously every day Meditate on living fabulously Every successful person Tim Ferriss knows meditates and journals John’s boss said, “Find out what successful people do, and do that.” Warm lemon water with ginger, cayenne and turmeric Meditate for eight to 20 minutes Meditating will change your life for two reasons It gives you space for calm, reducing stress and lowering cortisol Meditating challenges limiting beliefs Recite affirmations about living fabulously Recite aloud, emphatically and in first-person daily affirmations Affirmations create an audible imprint on our brains Recite personal and specific affirmations for five minutes each day List the daily goals that’ll help you with living fabulously List the most important things to do each day to start living fabulously The One Thing What is the one thing I can do such that by doing it everything else will be easier or unnecessary? Provides clarity, focus and efficiency Write down your daily gratitudes about living fabulously Journal what you’re grateful for every day Return to your gratitudes when your day presents challenges Journal five good things about each day about living fabulously Write down five things about that day that were good or great End your day on a positive note Lay the foundation for a good day tomorrowMentioned 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!

LGBTQ student loan debt There’s a student loan debt crisis in our country. In fact, the $1.4 TRILLION in outstanding student loans has officials worried about significant economic consequences. Sadly, the LGBTQ student loan debt crisis is more severe. Miranda Marquit and her colleagues at Student Loan Hero were curious about the LGBTQ student loan debt crisis, so they conducted an exhaustive study and shared it with us on Queer Money™. Miranda Marquit, Student Loan Hero and the LGBTQ student loan debt crisis Miranda is a long-time freelance journalist in the financial space and senior writer for Student Loan Hero. Her work can be found on several finance websites, including US News, Yahoo!Finance and Huffington Post. Miranda blogs at Planting Money Seeds, and is the author of Confessions of a Professional Blogger. Today, Miranda shares several must-know points from the Student Loan Hero LGBTQ study about the LGBTQ student loan debt crisis, including why the queer community has more student loan debt — and regret than the general population. She offers her take on the recent political setbacks for the LGBTQ population and how data collected in the recent study might be used to make structural changes to the FAFSA requirements.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

🏳️‍🌈 ✈️ We’ve known that gay travel is in in the gay man’s DNA, but you might be surprised by Grindr’s recent study that revealed 40% of its LGBTQ users travel four times a year and 24% plan a vacation every month. 🏳️‍🌈 ✈️ A whole lotta gay travel pixx While those stats may be great for Instagram pictures, how does our spending ($100 billion dollars in total) affect our financial security? And how can we use our tourism dollars to promote inclusiveness around the globe? Meet Zach Stafford of Grindr Zach Stafford is the editor-in-chief of Grindr’s online magazine, INTO. He leads a newsroom of more than 200 contributing writers with the intention of talking about the world ‘through a queer lens.’ Prior to joining Grindr, Zach served as a reporter and columnist for The Guardian and Out Magazine. Zach shares the WHY behind the Grindr travel study and several key takeaways. He offers his take on why the LGBTQ community is drawn to travel and how queer tourism can help drive inclusiveness all over the world. Zach discusses the power of the pink dollar and safe gay travel in countries that lack legal protections.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!

🦄 Show Notes Page: https://debtfreeguys.com/business-insurance/ 🦄 Business insurance for small business owners Even a blogger in their PJs has risk – it’s less risk than a landscaper, but an unhappy client or threat of copyright infringement are risks nonetheless. That’s why every entrepreneur needs business insurance. The new good news about business insurance Pogo Insurance is making it easy to secure business insurance coverage—and it’s a lot less messy than you think. Hannah and Jade Sullivan are the co-founders of Pogo, a commercial business insurance platform for small businesses that compares quotes from top business insurance companies to find customers the best price for the most appropriate coverage. With its simple online form, most entrepreneurs and freelancers can get insured in about an hour. Hannah and Jade met in the business program at the prestigious VCU Brandcenter Master’s program, and they’re driven to simplify the insurance process for the growing demographic of self-employed workers in the gig economy. Hannah and Jade explain why they chose the insurance industry and the challenge of innovating in a long-established space. They discuss what they have learned as entrepreneurs, how they have dealt with ‘emotional whiplash’ and the benefits of working together as a married 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 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

Show notes page: https://debtfreeguys.com/earn-extra-money/ Conventional wisdom says that a steady paycheck is the safest to financial security. But, what if you have a low-paying W2 or you lose your W2? How can you earn extra money? Why LGBTQ people need to earn extra money It’s especially important for LGBTQ people to have a side hustle, a way to earn extra money as a safety net should something happen with your regular job, or denied housing or services because you're LGBTQ. Or, better yet, for the financial freedom to be able to walk away from that regular job should you choose. Nick Loper is the Chief Side Hustler at Side Hustle Nation, a growing community of entrepreneurs united by the common goal of financial freedom. Nick started his first side hustle to earn extra money in 2004, running an affiliate website that offered comparison shopping for shoes. He quit his corporate job with Ford Motor Company in 2008, and he has been exploring non-job income opportunities as a serial entrepreneur ever since, running eight to ten side hustles at Chief Side Hustler on how to earn extra money Today, Nick shares his definition of a side hustle, explaining the many benefits of pursuing additional income streams as well as his top strategies for coming up with ideas for your own side hustle. He offers his take on how to gain confidence as a freelancer, which side hustles are the most lucrative, and the best available tools and resources to get started.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