Queer Money®: How Gay People Do Money

🏳️‍🌈 Show notes here: https://debtfreeguys.com/pink-dollar/ 🏳️‍🌈 Be empowered with your pink dollars ‘It’s the Super Bowl every day in the digital landscape world, and the brands that aren’t focused on creating an inspiring message to the LGBTQ audience—they’re missing a chance to shine.’ New research shows that your pink dollars are more powerful than ever. Sean Howell talks pink dollars and LGBTQ marketing Sean Howell is the Co-founder and President of Hornet, the world’s premiere gay social network. The platform recently released a research study in conjunction with Nielsen that explored the efficacy of LGBTQ-themed advertising on the queer consumer. The survey compared the effectiveness of inclusive marketing strategies with generic ads from the same brands, measuring engagement in terms of brand recall, familiarity, and affinity, as well as purchase and recommendation intent – the power source of your pink dollars. Sean shares the story of The Hornet, explaining how the network has grown to a remarkable 25MM members. He walks us through the key takeaways from the LGBTQ Ad Format Effectiveness Study, discussing the benefits for advertisers who show an affinity for the community. Sean describes how advertisers can appeal to the LGBTQ community to earn our pink dollars and why it makes business sense for businesses to do so.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

Show Notes Here: https://debtfreeguys.com/file-bankruptcy-on-student-loans/ Should you file bankruptcy on student loans? “I’m the only bankruptcy lawyer I know of who actively tells people not to file bankruptcy on student loans. I think that bankruptcy is a really good tool in the right situation, but it’s not the only tool out there,” says bankruptcy attorney, Jay Fleischman. File bankruptcy on student loans or something else? Why you might not want to file bankruptcy on student loans. If you’re one of the many collapsing under the crushing student loan debt, a little guidance is in order—and to file bankruptcy on student loan debt may not be the right option. Jay Fleischman is a bankruptcy attorney with 22 years of experience helping people get into a better financial space. Jay’s practice focuses on student loan resolution, and he serves clients through Consumer Help Central and the Student Loan Show podcast. Jay shares his take on the gravity of the student loan crisis and whether you should or shouldn’t file bankruptcy on student loans. He explains the difference between federal and private student loans and why people choose private lenders despite the lack of protections. Jay clarifies when your student loan obligation ends, the benefits of taking out term life insurance to cover student loans and how the policies of the current administration impact student loan borrowers.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!

Show notes and FREEBIES here: https://debtfreeguys.com/chaos-to-controlled-spending/ We buy hundreds of dollars’ worth of groceries with good intentions of cooking at home, and then we get busy and spend as much eating out. It is possible, though, to go from this chaos to controlled spending. The school of Groner will take you from your chaos to controlled spending We know what we could do to save money, but the overwhelm of life gets in the way. This disorganization and chaos lead to more and more spending—and it’s like we can never get ahead. Rosemarie Groner of the BusyBudgeter.com has been there. She and her husband both worked as state troopers, and their demanding schedules coupled with chronic disorganization led to overspending. They needed a life overhaul. Using a methodical approach, the pair addressed one thing at a time and eventually reduced their spending by $23,000 a year. Now Rosemarie shares her expertise on her blog, helping others design their own fabulous lives, spend money on the things they care about and eliminate wasteful spending. Hear how you can take your life from chaos to controlled spending Today, Rosemarie shares her journey from chaos to controlled spending, explaining how she and her husband drastically reduced their spending. She discusses her methodical approach to change, focusing her energy on one thing at a time. Rosemarie offers advice on reducing your grocery budget, A/B testing to substitute without sacrifice and leveraging modern conveniences like delivery for further savings!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/heterosexual-privilege/ Heterosexual Privilege & Money Does heterosexual privilege exist and does it impact your money? Our Queer Money guest this week thinks so and explains how she benefited, and ultimately how she and her husband embraced frugality and learned to appreciate the simplicity and beauty of less. This is easier said than done is our culture of consumerism, where we are constantly bombarded by the idea that having MORE will provide the fulfillment we crave. Liz and Nate Thames spent nearly ten years working good corporate jobs, making a lot of money—and spending it on fabulous clothes, fabulous evenings out, fabulous cars… Despite having the means to pursue this Rumspringa of spending, the Thames were still waiting for happiness to kick in. Four years ago, Liz and Nate decided to step out of the consumer loop and reimagine their lives. They adopted frugality and shifted their focus to spending only on the things that they valued most. By 2016, the couple had achieved financial independence, and they moved to a homestead in the woods of Vermont. Today, Liz shares the inspiration for her upcoming book, Meet the Frugalwoods. She explains the relationship between money and happiness and offers her take on the privilege, including heterosexual privilege, she benefits from. Liz discusses the tertiary benefits of her frugal lifestyle, sharing how it has strengthened her relationships and provided her with the clarity to focus on her highest and best purpose. Listen in and learn how to shift your priorities and start making conscious decisions about spending that allow you to appreciate the beauty of less and live your best life every day.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: https://debtfreeguys.com/help-us-adopt/ ❤️ Meet Becky Fawcett, founder of Help Us Adopt Becky Fawcett’s 12-year-old son jokes by asking, “How many babies did you have this year?” Becky answers, “I had a lot of babies this year,” to which he replies, “You look good.” Such is the life of the founder of Help Us Adopt. The Start of Help Us Adopt In 2017 alone, Becky and her organization, Help Us Adopt, gave grants that helped 38 families adopt 41 children. Founded in 2007, Help Us Adopt is the nation’s only non-discriminatory adoption grant program. The nonprofit helps individuals and couples—regardless of race, gender, ethnicity, marital status or sexual orientation—with the adoption cost by awarding grants up to $15,000. Help Us Adopt supports domestic, international and foster care adoptions, and the organization doesn’t charge an application fee. In ten years, Help Us Adopt has awarded 230 grants totaling more than $2,000,000. Hear Becky explain the process of applying for a Help Us Adopt grant, and how you can get involved through peer-to-peer fundraising and the Faces of Adoption initiative. Today, Becky tells her own adoption story, explaining how her inability to have children led she and her husband to adopt. She shares the impetus behind Help Us Adopt, discussing the financial commitment involved in adopting a child and the way traditional adoption grant programs define ‘family.’ Becky speaks to how Help Us Adopt serves the LGBT community as well as the legal routes to adoption for LGBT families.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!

Download our Credit Card Comparison Calculator here to see how the Debt Lasso will help you: https://debtfreeguys.lpages.co/credit-card-pay-off-calculator Wrangle your debt with the Debt Lasso You’ve heard of the Avalanche and the Snowball methods for paying off debt. But, you haven’t heard of the Debt Lasso to pay off credit card debt fast. Why we made the Debt Lasso When we were paying off our credit card debt, we saw that we could pay off our debt faster with our own strategy, now the Debt Lasso, then either the Avalanche or Snowball methods. Full show notes here: https://debtfreeguys.com/debt-lasso/Mentioned in this episode:Your fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement VaultGet Your Portugal Golden Visa Here!Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement Mentorship

Get Full Show Notes Here: https://debtfreeguys.com/gordon-church/ On November 22, 1988, Gordon Church stopped at a gas station in Cedar City, Utah, where he met Mike Archuleta and Lance Wood. A few hours later, Church was dead because he was gay, his body dumped more than an hour north in Dog Valley. Why the Gordon Church murder you never heard of matters Targeted for being gay, Church had been raped, tortured, and bound with tire chains in the trunk of his own car before Archuleta and Wood drove him to a remote area of Millard County and brutally beat him to death with a tire iron. Writer and social worker Chad Anderson came across Church's story in his research of LGBT history in Utah. Having grown up gay and Mormon himself, Anderson felt a personal connection to Church and his story, and he resolved to make a documentary about the case. Today Anderson shares an overview of the Gordon Church story, explaining what is known about that night in 1988 and Archuleta and Wood's bizarre behavior in the hours after the murder. He discusses several of the friends, family and police officers he has interviewed for the documentary and how their lives were forever changed by Church's violent death. Anderson gives us insight into what it takes to make a documentary, the expenses involved, and his progress to date. He also speaks to why he chose the documentary format and its power as a visual medium. Listen in to understand the significance of sharing stories of gay hate crimes and how you can get involved in making sure that Gordon Church is never forgotten.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

Download the email copy to help end discrimination in Ohio here:https://debtfreeguys.com/wp-content/uploads/2018/01/Ohio-Business-Competes-Swipe-Copy.doc LGBTQ Discrimination Didn't End June 26th, 2015 If you live in a place that affords legal protections to our community, you may not realize the extent of the LGBTQ discrimination that goes on in other areas of the country. There are 29 states that do not consider sexual orientation as a protected class, and three states go so far as to prohibit municipalities from passing non-discrimination protections. Not only do the LGBTQ members of these communities feel they cannot be themselves, they fear for their safety. Ending LGBTQ discrimination How do you convince a conservative legislature to introduce laws that would protect our community? The most effective strategy seems to be the economic argument—making the case that talent, opportunities, and billions of dollars are lost because of discriminatory state policies. And the best way to present that argument is through a coalition of businesses who value diversity and inclusion. Alana Jochum is the executive director of Equality Ohio and a board member of Ohio Business Competes, a no-cost, nonpartisan coalition of businesses that advocate for laws to protect the LGBTQ community in Ohio. Today she explains why so many young people are leaving the state, the power of the ‘business voice,’ and why discriminatory policies persist despite widespread support for LGBTQ protections. Alana discusses the approach used by Ohio Business Competes and the economic disadvantages businesses face in states without protections. She shares several of the challenges the LGBTQ community faces in suburban and rural areas, offering stories of LGBTQ discrimination endured by Ohioans with no legal recourse. Listen in and learn what you can do to support the cause through organizations like Ohio Business Competes, promoting legal and lived equality throughout the US. Get full show notes here: https://debtfreeguys.com/lgbtq-discrimination/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 complete show notes here: https://debtfreeguys.com/finding-elton-john-melissa-coach/ Finding Your Elton John If getting your money in order is on your list of New Year’s resolutions, having a reason – finding your Elton John – to be debt free makes all the difference. Finding Your Elton John and Finding Financial Freedom For Melissa Thomas, having the money to go to as many Elton John concerts as possible—and get front-row seats! — gave her the motivation to pay off the $43,000 in debt. Melissa and her husband were stuck in the ‘we can afford a payment’ mentality, buying new cars and a home on credit to keep up with Mr. & Mr. Jones. She became a stay-at-home mom by default after her sons were born, giving up her retail job because daycare cost more than she earned. Problem was, the family didn’t change their lifestyle despite the shift from two incomes to one. In December 2009, Melissa was shopping online for Christmas presents with the help of her friends Visa, Mastercard and Discover, when a voice inside her said, ‘You’re doing this wrong.’ It occurred to Melissa that her sons knew a whole lot about Santa, but very little about the true meaning of Christmas. So, on January 1, 2010, Melissa and her husband enrolled in Financial Peace University and by 2013, they were debt free. Now Melissa serves as a money coach, speaker and author by way of her business, Melissa the Coach. Today on Queer Money™, she shares her journey from $43,000 in the red to debt free Elton John groupie. Melissa explains her effort to teach her sons the value of experiences over stuff and how her life has changed now that debt is no longer an issue. She speaks to the process of saving six months’ worth of expenses, discussing how her family went about eliminating extras until they were financially secure.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

Prelude to a Queer Money Kiss from a Rose Prelude to a Queer Money Kiss from a Rose makes absolutely no sense as a Queer Money™ episode title, but it’s the last day of 2017, I’m tired, I’ve had four margs and I’m headed to a NYE party in short order. But, Queer Money™ will be amazing in 2018. Hear why. Prelude to a Queer Money Kiss from a rose in 2018 First, happy new year, and happy 2018! 2018 is a big deal for the Debt Free Guys personally. By January 03, we’ll have sold our condo and moved into an apartment in downtown Denver. On 01/07, we go on the first of many business and personal trips, this one to Los Angeles and Palm Springs. We have several brand partnerships to announce this year. We’ll be in Puerto Vallarta in April, get married in June and travel to Ireland and Spain for five weeks around September 12.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

Our favorite LGBT podcast episodes on Queer Money™ Year after year, we learn more and more about queer money in the LGBT community. These are our favorite LGBT podcast episodes in 2017 on Queer Money™ about queer money. Inspiring LGBT podcast episodes about queer money 2017 was a great year for Queer Money™. We had some amazing guests and learned so much about money and queer money. Here’s a highlight of some of the best of the best LGBT podcast episodes of Queer Money™ about queer money.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 Late-Stage Retirement Calculator & Checklist: https://debtfreeguys.lpages.co/magic-money-late-retirement-checklist-thank-you Late-stage retirement planning If you’re in your 40’s, 50’s, or 60’s and have yet to put money away for retirement, you’re probably feeling anxious and have a thousand questions. Get answers to all your late-stage retirement planning questions on this Queer Money™, and get the Late-Stage Retirement Calculator & Checklist. Will you need to work past 80? Are there alternate investment strategies you should try? What is the best way to start saving—today? Let Teresa help you with late-stage retirement planning. Late-stage retirement planning with Teresa Mears Teresa spent 30 years as a newspaper journalist before shifting to online publishing. She runs Living on the Cheap, a website for personal finance and lifestyle advice. Living on the Cheap is a city-specific network of sites to help residents have a good time without going broke. Today, Teresa explores the reasons why people don’t plan for retirement and the difficulty of living on Social Security alone. She offers an approach to saving for retirement for those getting a late start and addresses concerns about finding work later in life. Teresa explains her take on using the cashflow model to earn retirement income, reverse mortgages, and overspending on ‘stuff.’ Complete show notes: https://debtfreeguys.com/late-stage-retirement-planning/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 the Early Retirement Checklist here: https://debtfreeguys.lpages.co/early-retirement-checklist/ Financial independence & retire early Imagine a life in which you work because you want to, not because you have to. A life that affords you the freedom to escape ‘cube life’ in pursuit of your passion. That’s FIRE—Financial Independence & Retire Early and what Queer Money™ is all about today. Get the Early Retirement Questionnaire & Checklist and follow along. Reach financial independence & retire early with Gwen & J Gwen and J are the hosts of FIRE Drill, a podcast on which they discuss a wide range of topics in the Financial Independence|Early Retirement (FIRE) space, from real estate to online entrepreneurship to writing romance novels to Airbnb. Both Gwen and J have lucrative careers in tech, and they have been making use of automated savings systems for several years now. J’s FIRE journey helped her and her husband get out from under $100,000 worth of debt and amass $100K in savings in just a few years. Gwen’s six-year FIRE path will let her to quit her job in the Spring of 2018 at the age of 27. Today, Gwen and J explain the two most common approaches to reach financial independence & retire early, sharing how their plans have evolved over time to include real estate investment, stocks and entrepreneurship. They discuss how relationships with friends and family may change as you pursue reach financial independence & retire early and how the diverse FIRE community inspired them to start their podcast. Listen in to reach financial independence & retire early yourself! Get all the resources here:https://debtfreeguys.com/reach-financial-independence-retire-early/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 Super-Simple Investing Guide here: https://debtfreeguys.lpages.co/super-simple-investing-guide/ DIY.FUND and Newbie Ivestors Talking Wall Street feels intimidating, but Wendy and Eric Nissan of DIY.FUND, who have both worked on Wall Street, help us help you get started with investing. Who is DIY.FUND? We befriended Wendy and Eric Nissan at FinCon in San Diego in 2016. Both Wendy and Eric had careers on Wall Street where they learned the ins and outs of that world. The Nissans came on Queer Money to break investing down into simple terms to help you start investing. Someday you may be a DIY.FUND client. For now, download our Super-Simple Investing Guide here and listen to this Queer Money to learn everything you need to start investing today. Who are Wendy & Eric Nissan? After moving to Florida from New York, Wendy started asking questions about the management of their own portfolio, and Eric started writing programs to answer her questions. Eventually, they thought, ‘Everyone should have these tools!’ and they designed DIY.FUND, an online portfolio management system that gives individual investors access to the same management tools the pros use. Wendy and Eric’s fintech startup was accepted to Starter Studio, Orlando’s premiere tech accelerator. Since then, they've won tons of awards. DIY.FUND will be fully functional in the next two months. Today the Nissans share their philosophy about online investing tools and offer their advice for newbie investors. They explain how advisors’ commissions affect returns over time and the advantages of using DIY.FUND as an alternative. Ultimately, most financial advisors use software to make decisions about your portfolio. What if you had access to those same tools? What if you could invest in the stock market with confidence—without giving up a huge chunk of your returns to a broker? Get additional resources here: https://debtfreeguys.com/diy-fund-helps-newbies-invest-like-pros/Mentioned in this episode:Your fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement VaultGet Your Portugal Golden Visa Here!Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement Mentorship

Get the resources for this podcast here: https://debtfreeguys.com/postnuptial-agreements/ Postnuptial agreements for those without prenups Before ‘I do,’ have an honest conversation with your partner about money, children and prenuptial agreements should your relationship end. If ‘I do’ is already ‘I did,’ here’s what you should know about postnuptial agreements. Pre and postnuptial agreements & divorce with Jennie Wray Jennie Wray is a partner with Denver’s Harris Law. One of the firm’s most accomplished attorneys, Jennie has been named a Super Lawyers Rising Star for five years running. She was also nominated for Denver Business Journal’s Top 40 Under 40 in 2016 and 2017. A graduate of Vermont Law School, Jennie gained valuable insight into family law and court proceedings externing for New Jersey’s Presiding Judge in the Civil Division and the Hudson County Superior Court, Family Division. She has been with The Harris Law Firm since October of 2008, providing legal representation to clients in the dissolution of marriage and the allocation of parental responsibilities. Jennie shares important information about setting up a marital agreement (prenuptial agreements, postnuptial agreements and divorces) to protect both partners as well as any children from previous relationships. She explains the traditional provisions of these marital agreements, the concept of ‘marital property,’ and how the court views debt amassed before and during a marriage.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!

Get the FREE Credit Score Checklist here: https://debtfreeguys.lpages.co/credit-score/ If you have yet to find a Sugar Daddy willing to pay off your debt, you may be forced to figure out your finances on your own—and knowing how to get the best credit score is the very first step. The best credit score and thick credit report Collin Brennan is a Senior Editor at Credit Karma. Today Collin covers the basics of credit scores and credit reports, explaining how scores are determined and why it’s important to check your scores regularly and how to improve them. He offers actionable advice on building a credit history if you have a ‘thin file’ and how to deal with potential data breaches. Listen and learn what qualifies as a ‘good’ score, the difference between a hard and soft inquiry, and the free tools available through Credit Karma. Get tips here to easily remember to pay your bills on time with our free checklist. Credit Karma is a free online service that affords you the tools, the education, and the opportunities you need to understand your finances. They provide free access to your credit scores, reports, and monitoring along with informative content that allows you to make informed financial decisions. Get more detail here: https://debtfreeguys.com/best-credit-score-fabulous-life/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

Setting goals, the Q.U.E.E.R. way Setting goals isn’t enough. Setting goals the Q.U.E.E.R. way is. On this week’s Queer Money™, we talk about setting goals the Q.U.E.E.R. way to help you reach your biggest goals. Setting goals for a successful queer life In Write the Best Annual Performance Review Ever, we shared our free swipe copy to literally copy and paste specific language to easily write the best annual performance review ever. This free tool will help you and get your next raise or promotion to help you live bigger. QUEER goals, as you’ll hear, will help you set next year’s professional and personal goals to help you go harder and achieve bigger. Hear all about setting goals the Q.U.E.E.R. way on Queer Money™: All about setting goals the Q.U.E.E.R. way We’re heading into a new year when our employers like us to write annual performance reviews for the past year and set new business goals for the upcoming year. Likewise, you often want a new year to mean a new you (and a new me, too). Setting goals the Q.U.E.E.R. way will make all these happen. 1. Set quantifiable goals Quantifiable goals are measurable, non-elusive goals that can be expressed in numbers or percentages, show a computable goal from point A to point B. 2. Set understandable goals Understandable goals are clear goals, easily explained to and comprehended by others. Your goal is clear in your mind and you understand the steps required to achieve your goal. 3. Set executable goals Executable goals are within the realm of possibility, can be carried out and accomplished. This doesn’t mean your goals are easy because we don’t grow with easy goals. 4. Set exciting goals You have a passion for it, achievement would provide true, inner happiness or motivate you. Exciting goals make going to work or getting up in the morning easier. 5. Set relevant goals They apply to you and your life goals. Your goals, whether in business or in your personal life, need to feed into your reasons for living. They support your longer-term plans. Get the awesome text for your next annual review here: https://debtfreeguys.lpages.co/annual-review/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

Prudential’s LGBT Financial Experience Survey If you’ve ever wondered who makes up the Rock Star Research Team behind Prudential’s LGBT Financial Experience Survey or how they use their findings, today’s your lucky day! We’re diving deep into this LGBT information-dense study with two of its authors, Josh Stoffregen and Supriya Sanyal. The minds behind Prudential’s LGBT Financial Experience Survey If you’re a regular Queer Money™ listener, you know that Prudential’s LGBT Financial Experience Survey is an often-cited source of information. Who came up with this study, and what’s their take on the findings? Josh is the VP of Global Communications—Retirement at Prudential Financial. He has been with the firm since 2009, and he was the project lead for the 2012 inaugural study of Prudential’s LGBT Financial Experience Survey. Supriya joined Prudential Financial in February of 2014 and serves as Director of Audience Insights—Global Strategic Research. As a market research professional, her expertise lies in providing results-focused data-driven insights for business-to-client and business-to-business clients. Today Josh and Supriya offer insight into the findings of Prudential’s LGBT Financial Experience Survey, explaining the inspiration behind the study, what it takes to put the data together, and the differences between the 2012 and 2016 findings. They discuss what’s behind the disparity between the financial status of gay versus straight populations and why such a high percentage of the LGBT community considers themselves to be ‘spenders.’ Listen in to understand the changing face of retirement and why you should enlist the help of a financial advisor to ‘make the most of what you have, whatever you have.’ Get all the resources here: https://debtfreeguys.com/prudentials-lgbt-financial-experience-survey/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

Leading IM Creative Successfully IM Creative was named one of the fastest-growing privately-held companies by Inc. magazine in both 2015 and 2016. Today Scott Ihrig and Shannon Morrison talk about working together as a gay couple, the risk/reward proposition of owning a business and their take on digital versus analog life. Who is IM Creative? ‘Being together matters.’ This is the philosophy upon which IM Creative was founded. It also applies to the strong relationship between CEO and founder Scott and Chief Creative Officer Shannon, whose complementary skill makes them fabulous partners in both life and business. Scott and Shannon explain how having a successful company allows them to support the causes they believe in and the importance of retirement planning in the LGBTQ community. Listen and learn how IM Creative’s company values inform their business decisions and the daily habits that help Scott and Shannon improve personally and professionally. Scott spent two years as a lawyer before shifting to a career producing shows for the Radio City Rockettes. In 2000, he stopped working for other people and founded Ihrig Productions. Shannon studied theatre and psychology at Yale and then went to grad school at NYU where he earned an MFA in Musical Theatre Writing. Shannon spent three years as an associate with Hal Luftig, working on Broadway productions like Legally Blonde, Movin’ Out and Thoroughly Modern Millie. In 2007, Scott and Shannon met through an online dating site. Six months into their relationship, Scott was producing a corporate event for a pharmaceutical company and Shannon came along as a production assistant. They quickly realized that Shannon’s theatre background and creativity was a big value-add for the company that balanced Scott’s business acumen and ability to execute on ideas. Together they rebranded the company as IM Creative and have since expanded to include offices in New York, San Francisco, Charlotte and Columbus, Ohio. Their risk has paid off, and their experience and knowledge will benefit you. Find out more: https://debtfreeguys.com/im-creative-leaders-talk-love-business-gay-couple/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

Dominique Jackson's Inspiring StoryDominique Jackson, a prominent figure in the realm of transgender modeling, graces us with her compelling narrative of resilience and transformation. She recounts her journey of self-discovery, which was fraught with adversity, including familial rejection and the challenges of transitioning. Throughout our dialogue, Dominique emphasizes the pivotal role of intuition in navigating her tumultuous past, which encompassed struggles with substance abuse and significant financial burdens. Moreover, she illuminates her current endeavors, wherein she actively contributes to organizations such as Destination Tomorrow, thereby giving back to the community that shaped her. This episode serves as a profound testament to the indomitable human spirit and the necessity of support and understanding within marginalized communities.Meet Miss Dominique Jackson Transgender model, Dominique Jackson shares her story has taken her from the island of Tobago to Mercedes Benz Fashion Week in New York City to the reality show Strut to serving her LGBTQ community at Destination Tomorrow. Her story will inspire you. Model & Reality Show Star Dominique Jackson “It all began with a high five.” In an incredibly competitive industry, it’s easy to begrudge the success of another model or actor, to view a colleague’s achievement as if they’ve taken something away from you. But successful transgender model Dominique Jackson rejects such a scarcity mindset, celebrating the success of her colleagues. In fact, the simple gesture of a high five sent waves through the community—and led to the opportunity to do reality series Strut. Dominique grew up in privilege in Trinidad and Tobago but was ultimately rejected by her family over her gender identity. She moved to the US in 1990 and started school while she was transitioning. Dominique has encountered her share of obstacles, from homelessness to drug and alcohol abuse to survival sex work, but a combination of intuition, belief and therapy have allowed her to view those challenges as a test that helped Dominique realize just how far she can go. Dominique paid her dues in the modeling industry, doing a number of free shows before landing a job as a resident model with Adrian Alicea in 2009. This break led to her first appearance at Mercedes Benz Fashion Week that same year. Today Dominique shares the trajectory of her modeling and acting career, as well as her challenging personal journey as a transgender woman. She explains how a shift in mindset and a healthy dose of discipline helped Dominique see her way clear of $10,000 in credit card debt, and how she came to serve as Director of Programming for Destination Tomorrow. Learn about her work to support the LGBTQ community and how to adopt a mentality of abundance. Takeaways: Dominique Jackson recounts her journey of resilience, navigating the complexities of identity and societal expectations. She emphasizes the significance of intuition and self-awareness in overcoming personal struggles and financial challenges. Dominique illustrates the importance of community support, highlighting her involvement with organizations like Destination Tomorrow. Her experiences reveal the necessity of addressing mental health and advocating for accessible healthcare within the LGBTQ community. Dominique advocates for parents to allow their children the freedom to explore their identities without premature labels or constraints. She shares her belief in the power of abundance and collective success, urging individuals to celebrate rather than compete with one another. Topics Covered:00:28 - Dominique Jackson's Journey of Resilience06:21 - Dominique's Journey: From Tobago to Triumph11:52 - Overcoming Challenges and Finding Identity23:31 - Overcoming Challenges and Resilience27:45 - The Journey to Acceptance and Identity35:14 - Advocacy and Community Support42:41 - Supporting Transgender Children: Guidance for Parents45:50 - Understanding Gender Identity and ExpressionMentioned 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 con

in the wrong state can cause our community just as much trouble. Credit unions are financial cooperatives that serve the needs of a particular community, and Phillip is leveraging his 20-plus years in community development and organizational management to establish Equality Credit Union for the queer community. Currently, as president and founder of Equality Washington, Phillip has enlisted the help of industry leader Cisco Smith, president and CEO of Florist Federal Credit Union, to design and build Equality Credit Union help the LGBTQ community help itself. Together, Phillip and Cisco are raising the necessary resources to get Equality Credit Union on its feet. Today Phillip shares his inspiration for initiating the project, the products and services and LGBTQ credit union would provide, and how an institution like Equality Credit Union will reinvest in the community. Cisco shares why an aggressive fundraising campaign is necessary to start Equality Credit Union. Listen to understand the power of Equality Credit Union and how you can help the cause! Find the resources and more at https://debtfreeguys.com/equality-credit-union-needs-help/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

The need for long-term care insurance for LGBT people An alarming 36% of LGBT people say they’d rather spend for today than prepare for tomorrow. But what happens at the end of your life and you need medical or nursing-assistance, either in-home or in a nursing facility? The answer may be long-term care insurance for LGBT people. Ryan Taylor educates us on long-term care insurance for LGBT people According to AARP, the lifetime probability of becoming disabled and needing long-term care is a whopping 68% of people over the age of 65. The average cost of long-term care is currently about $6,000 per month. That’s a lot! Long-term care insurance for LGBT people provides the peace of mind that you’ll get the care you need to go out with the dignity you want. Ryan Taylor is the founder of LGBT Financial, the premier resource for LGBT financial services. After earning degrees in International Business, Finance, and Economics from Utah State University, Ryan lived and worked abroad for several years before settling in Salt Lake City. He’s been a financial advisor with MassMutual Intermountain West since July of 2015. Ryan founded LGBT Financial in February of 2016 to help individuals and families from all walks of life in a comfortable and safe environment navigate and plan for their most important financial decisions. Ryan is also the founder and host of Salt Lake City’s LGBT Show, and a member of the Utah Gay and Lesbian Chamber of Commerce. Today he explains the fundamentals of long-term care insurance for LGBT people, from the specifics of what a policy covers to the waiting period before coverage kicks in to the reimbursement process. Ryan addresses the best time to secure long-term care insurance for LGBT people and others, the percentage of people who qualify and a hybrid product that couples long-term care insurance with life insurance. Listen to today’s Queer Money™ to understand the benefits of having a financial advisor assist you in planning for the future, which likely includes long-term care for LGBT people if you’re LGBT - then it’s just long-term care insurance. Topics Covered about long-term care insurance for LGBT people The ABCs of LGBT Financial Based in Salt Lake City, Utah (diverse, liberal oasis) Designed as comfortable, safe space for financial planning Founded February 2016 Why Ryan created LGBT Financial ‘Natural fit’ Help from financial planner who can empathize Plan with partner/family in comfortable space The buying power of the LGBT community $971B in US alone So-called ‘pink money’ can be double-edged sword The fundamentals of long-term care insurance for LGBT people and others Typically need at end of life Covers in-home care or care in nursing facility Cost outpaces inflation LGBT couples raising children on decline Long-term care second only to taxes as wealth erosion factor in retirement Ryan’s advice around when to purchase long-term care insurance for LGBT people and others Wait too late, may be uninsurable Ideally between ages 45-55 Sooner the better (less cost, more likely to be insurable) The specifics of what long-term care insurance for LGBT people covers Activities of daily living Feed/transfer self, walk, use bathroom Dementia, Alzheimer’s In-home care, nursing home, or extended hospital stay (up to certain $ amount) The current costs of long-term care for LGBT people and others $6,000/month average cost Average claim between three and four years Some go on multiple claims in lifetime The waiting period before long-term care for LGBT people and others kicks in Depends on company, how policy structured Pay more for shorter wait period Longest is six months Most choose 60-90 days Some companies reimburse for waiting period How Medicaid fits into the picture of long-term care Use long-term care coverage first, then Medicaid spend down for eligibility Those without long-term care pay out-of-pocket until eligible for Medicaid An example of long-term care insurance premiumsMentioned 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 p

Retraining your brain “We can’t solve problems by using the same kind of thinking we used to create them,” said Albert Einstein. If you’re unhappy with your current condition, retraining your brain is the first step to change. Unlocking your full potential by retraining your brain That little voice in your head — the one saying you can’t, you shouldn’t, they wouldn’t — isn’t doing you any favors. In fact, the limiting beliefs fostered by that annoying little voice are holding you back from unlocking your full potential and getting the life you want. How, then, will retraining your brain change your mindset and your current condition? JR Badian works for NeuroGym, using emerging technologies to help people with creating opportunities for themselves in the areas of finance, health, wealth and personal development. NeuroGym applies scientifically-proven techniques for retraining your brain by expanding your mental and emotional powers to maximize your performance and potential. What JR knows about retraining your brain for success JR has enjoyed a successful career in finance and marketing; prior to joining the team at NeuroGym, he spent five years as VP of Digital Marketing at MasterCard. JR has been named one of Brand Innovators 40 Under 40 (2013) and OUTstanding’s Top 100 LGBT Executives (2016). JR shares his advice on Queer Money about making an impact in your community and how acceptance drives innovation and growth. Listen and learn more about how NeuroGym can help with retraining your brain and overcoming limiting beliefs! Topics covered about retraining your brain JR’s advice around making an impact in your community Focus on others Build ‘persistencies’ Go out of way to help others Simplest things are most profound Start every exchange with something positive (e.g.: smile) How acceptance drives innovation and growth Acceptance leads to diversity Diversity multiplies ideas (innovation) Companies that innovate will grow Starts with acceptance of self Can’t do best work if not yourself Learn from success and failure John Assaraf’s NeuroGym John is well-known success coach, appeared in The Secret Spent years studying retraining your brain, creating a new movement Systematic approach to overcome failures, get more out of life Unlock potential through ‘Innercises’ Change mindset through brain retraining Overcome limiting beliefs The origin of limiting beliefs History, books, school Friends, family Develop thought pattern Beliefs drive behavior, how see world Happens on unconscious level How to overcome limiting beliefs by retraining your brain Implicit beliefs (I can’t…, I don’t deserve…) are programmed May declare otherwise (explicit beliefs) Misalignment of implicit, explicit = chaos The NeuroGym approach to behavior change Evidence-based methods Reprogram subconscious mind ‘Innercises’ that retrain brain Give confidence, edge Don’t get upset, derailed by little things The upcoming BRAIN-A-THON on October 7 for retraining your brain Free, live online event Features best brain experts Overcoming fear of failure Tapping into the subconscious mind Retraining your brain for success The value of surrounding yourself with people that push you Ignites mental growth Raises your game, aspirations Connect with JR NeuroGym Brain-A-Thon Resources 2016 OUTstanding and FT Rankings The Secret John Assaraf John Assaraf on Sean Croxton’s PodcastMentioned in this episode:Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement MentorshipGet Your Portugal Golden Visa Here!Your fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement Vault

You can have a healthy relationship with money Your relationship with money will affect your relationship with your partner. We talk with one of our favorite guests about how to strengthen your relationship with money and your partner. Your relationship with money coach Megan Lathrop, Capital One Café’s Money Coach, returns for another episode of Queer Money™. Megan is back to talk about money and relationships and how couples can have a better relationship with money with a few simple tools that she shares today. Megan will be on a two-city tour to promote Capital One Café’s free Talk Money with Your Honey Workshops. On Wednesday, October 4, 2017, we join Megan at Denver’s Capital One Café for a Newlywed-style game called Money Matched, where we and a few other metro Denver area couples will show how much or how little we know our partner and their thoughts about money. Megan will then be at the Philadelphia Capital One Café on Wednesday, October 18, 2017, for a similar event. Don’t miss these events if you’re in either the Denver or Philadelphia areas. They are both bound to be fun and informative. More help to improve your relationship with money Megan will be on a two-city tour to promote Capital One Café’s free Talk Money with Your Honey Workshops. On Wednesday, October 4, 2017, we join Megan at Denver’s Capital One Café for a Newlywed-style game called Money Matched, where we and a few other metro Denver area couples will show how much or how little we know our partner and their thoughts about money. Megan will then be at the Philadelphia Capital One Café on Wednesday, October 18, 2017, for a similar event. Don’t miss these events if you’re in either the Denver or Philadelphia areas. They are both bound to be fun and informative. Topics covered to fix your relationship with money The emotions about money and relationships The financial benefits of good communication skills The triggers that money can cause Talking about financial values with your partner Undercovering the hidden truth behind your spending Aligning your financial values with your partner for financial success Expectations exercise for newer couples to talk about money Creating money rituals Having a money date with your partner The causes and fixes of our unspoken financial expectations Aligning yours and your partner’s personal and financial definitions of success with your values Capital One’s National Survey 75% of Americans who are currently in or have ever been in a serious relationship said that setting financial goals with a partner is harder than setting financial goals as an individual 63% prefer to manage their finances with a partner rather than as an individualMentioned 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

What’s the fastest way for most of us to get rich? By investing as much as we can as early as we can into a 401k. As a reader asks, though, what’s the best 401k for young adults? A Traditional 401k or a Roth 401k? Meet our young adult, Carter After listening to Queer Money™ episode 61, “5 Steps to Prepare for Financial Emergencies in Your Sleep,” Carter from Ohio emailed us a question. Carter wants to know, as a young gay man, which type of 401k offered to him by his employer is best? Should he invest in a Traditional 401K or a Roth 401K? There’s no blanket answer to this question. So, after we received Carter’s question, we asked him a few questions ourselves. Carter’s 27 years old and graduated college a few years ago. His current income is $43,000 a year and he has student loan debt financed at 3.5%. Carter has an emergency savings account set up per our instructions in Queer Money™ episode 61. He’s currently saving $40 a month in that emergency savings account and will have $500 in emergency savings by next July. What’s the difference between a Traditional vs. a Roth 401k? A Roth 401K is an employer-sponsored retirement account in which you contribute after-tax dollars and the money you invest in that account grows tax-free. Withdrawals from this account are, also, tax-free. A Traditional 401k is an employer-sponsored retirement account in which you contribute pre-tax dollars that grow tax sheltered. Withdrawals from a Traditional 401k are, unlike with a Roth 401k, taxed as ordinary income upon withdrawal. The annual contribution limit for both Traditional and Roth 401ks is the lower of 100% of your income or $18,000 for 2018. Additional contributions of up to $6,000 can be made into either type of account if you’re currently over 50 years old. Calculate your retirement income with this simple calculator Moneychimp Calculator What’s the best 401k for young adults like Carter? As with most things in life, it depends. Ultimately Cater and all of us who invest in a 401k (or a 403b for government employees) is, do I want to pay my taxes now or when I’m retired? You ultimately want to pay the least amount of taxes possible. Will that be when you’re younger or when you’re older? Will taxes be the same, higher or lower than they are today? No one can answer these questions with total certainty. Therefore, some professionals recommend hedging your bets and investing in both a Traditional and a Roth 401k. Investing a portion in both reduces your risk of incorrectly guessing which way taxes will go by the time you retire and still let you benefit today from the benefits of investing into a 401k. To hear our best recommendation for the best 401k for a young adult such as Carter, listen to this episode of Queer Money™ . Best 401k for young adults resources: Queer Money™ episode 61, “5 Steps to Prepare for Financial Emergencies in Your Sleep” IRS Comparison Chart Queer Money™ on iTunes Queer Money™ Lifestyle NewsletterMentioned 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

September is Suicide Prevention Awareness month. Lesbian, trans, bi and gay suicide and suicide attempts happen disproportionally more than the general population, and people who die by suicide are eight times more likely to have debt. Lesbian, Trans, Bi and Gay Suicide and Queer Money We partner with our friend, Melanie Lockert of Dear Debt, who’s bringing more attention to Suicide Prevention Awareness Month and highlighting the effects that debt has on those who become or are severely depressed. As suicide disproportionally affects the LGBT community and queer people have more financial struggles than the general population, we think it’s important to cover these important topics this month. Queer suicide September is Suicide Prevention Awareness Month. People who die by suicide are eight times more likely to be in debt. LGBTQ people disproportionately attempt suicide relative to the general population. The fifth leading cause of death of all men, queer or straight, is suicide. The problem is so severe that the rate of suicide among men is currently three and a half times that of women. Middle-aged, white men account for seven out of 10 suicides. Suicide rates for men over the age of 75 are nine to 12 times higher than women. Suicide and suicide attempts are higher in the queer community than the general population. Queer teens and young adults have the highest rate of suicide attempts. Many lesbian, trans, bi and gay suicides happen because the victims feel they have nowhere else to turn or that they have no other options, whether they struggle with their sexual orientation, their finances or both. The more we become aware of the signs and risks of suicides the better we can help prevent them. Substance abuse and the queer community The Advocate announced in 2015 that “gay men have a drinking problem” because the CDC reported that “[queer] people are more likely to use alcohol and drugs, have higher rates of substance abuse, and are more liable to continue drinking into later life.” The CDC further said the reasons for increased stress and depression among queer people are the same reasons they turn to drugs and alcohol. Another reason is that to self-medicate, many queer people find refuge with drugs and alcohol. That refuge is only temporary at best and most drugs, including alcohol, are depressants. Therefore, the self-medication only exacerbates their depression, and the cost of drugs and alcohol add to their financial troubles. Resources to prevent lesbian, trans, bi and gay suicide: Suicide Prevention Awareness Month Blog Tour Debt Drop #EndTheStigma on Twitter #DebtDrop on Twitter The Crisis Text Line, Text 741741 National Suicide Prevention Lifeline Project Semicolon Well Kept Wallet His & Her Money The Center for Disease Control: 800-232-4636 U.S. Department of Health and Human Services: 877-696-6775 Services & Advocacy for GLBT Elders: 888-234-SAGE National LGBTQ Task Force: 800.528.6257 While we’re talking about being healthier and living better lives this month, we can’t forget about those who feel their lives have no worth. We can’t forget about those who struggle to get out of bed in the morning, let alone make it to the gym. We can’t forget about those who have been conditioned to feel inadequate, disappointed or worthless. If you or someone you know suffers from depression, substance abuse or thoughts of suicide, talk about it and know that others care.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

The Deets of MassMutual’s LGBTQ Financial Security Study Between February 28 and March 14, 2017, MassMutual along with Greenwald & Associates, conducted an online survey of middle-income Americans over-weighted with LGBTQ people to “raise awareness of the threats and obstacles to middle-class workers’ [especially LGBTQ workers’] financial security.” LGBTQ people don’t feel secure and it may be our fault Nearly half of those in the survey described themselves as not too or not at all financially secure. This data doesn’t align with the perception that we’re all fabulous. Rather than being fabulous, we may just be fabulously broke. Based on MassMutual’s LGBTQ Financial Security Study, 80% of us say high debt levels or not having enough money make it hard to manage household money. What are we doing about it? We’re not helping ourselves, apparently. More than half of respondents said that spending for today is more important than saving for tomorrow. The lack of saving for tomorrow is reflected in the response that 70% of us, relative to 63% of the general population, attest to being behind in our retirement savings. There could be many reasons for this. The first possible reason is that many of us may still be using our spending to make up for feelings of inadequacy from when we were younger. Another possibility may be a lingering carpe diem philosophy adopted by many in our community during the height of the HIV/AIDS crisis. Another possible reason could be that a larger percentage of the LGBTQ community believes someone or something else will take care of them later in life. We’re more concerned about money than marriage Ironically, even though marriage equality and its effects have received much of the media and public’s attention over the last two years, only 28% of the queer people surveyed are concerned about marriage and love. However, 60% of us are worried about our household finances that, as we said above, are hard to manage because of high debt levels and no having enough money. While many of us may be more concerned about living for today than preparing for tomorrow, this is having an adverse-effect on our health and well-being. Sixty-five percent of respondents said that financial concerns affect their health and stress-levels. Financial stress may be, in part, why the Center for Disease Control says that gay men, bisexual men, and LGBTQ youth have a greater propensity to suffer from major depression, bipolar disorder and anxiety disorder than our straight counterparts. Likewise, as The Advocate announced in 2015, “gay men have a drinking problem” because the CDC reported that “[queer] people are more likely to use alcohol and drugs, have higher rates of substance abuse, and are more liable to continue drinking into later life.” There is help Surprisingly to us because we work with several financial services firms, 59% of MassMutual’s LGBTQ Financial Security Study respondents don’t feel financial services companies want to help “people like them.” Many firms, including MassMutual's LGBTQ Financial Security Study and its previously reported Lasting Legacy Survey, are trying to connect and help our community. Unfortunately, the messages aren’t being heard or understood. Because of the unheard or unclear outreach from financial services companies, 53% of the LGBTQ people who participated in this survey are unsure where to go for financial help and guidance.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

It’s hard for any artist, including gay artists, to stand out in saturated cities such as L.A. and New York. That’s why these gay artists moved to Denver, an alternative city, to stand out from the crowd and avoid high production costs. Gay Artists in Denver “It really comes back to the story… You get to tell people’s stories—that don’t usually get to be told.” Listen to Gay Artists Thriving in Denver Gay Artists Summary Rachel Herring Finley is the lead actor in Carlos Daniel Flores’ short film I Stand Still, an abstract piece built around an original poem that explores the love between two women. Part of Denver’s own CinemaQ Film Festival this past July that highlighted local and national gay artists, the short pays tribute to the victims of the Pulse Nightclub shooting, reminding us to “allow ourselves some joy and respect our truth, whatever that may be.” Born in Puerto Rico, Carlos was exposed to music and the arts from a young age. Film direction satisfies his “desperate need to express” himself, and allows for experimentation via the medium itself. He recently moved to Denver from Florida, and is inspired by the energy and creativity of the city. Rachel has a degree in opera and musical theatre training from the American Musical and Dramatic Academy in New York City, but she returned to her home state of Colorado to perform in local professional theatre. Carlos and Rachel met through the Denver theatre community, and today they share the process of collaborating on I Stand Still, discussing the organic nature of the project, what it was like to film in Denver, and the connections between the Pulse shooting and the film. Listen in on their advice for aspiring actors and directors, and learn the value of supporting the arts and gay artists in our community! Topics Covered on Gay Artists Rachel’s long journey to performing in film • Degree in opera • Trained at AMDA in New York for musical theatre • Returned to Denver • Involved in theatre, met film community • Fell in love with film How Carlos came to be a director • Born in Puerto Rico • Father is musician • Love of all arts • Realized possibilities of film as medium Rachel’s affinity for acting • Singing cultivated love of performance • Love of story What drew Carlos to directing • Desperate need to express self • Loves all aspects of filmmaking • Need to actively create something The background of the short film, I Stand Still • Part of series • Film built around poem • Ambiguous, abstract form • Subject ties into Carlos’ process of accepting himself as bisexual The amazing experience of filming in Denver • Carlos recently moved to Denver • Loves city, beauty of the mountains • Not oversaturated with industry people • Struggle to find other creatives • Feels like no rules yet • Project was very small, didn’t need permits to film in public spaces The art scene, gay, straight and otherwise in Denver • Carlos appreciates energy and creativity • Acceptance of all forms has come alive in last decade • Investment in murals, street art How the Pulse Nightclub shooting affected Carlos’ creative process • Doing sound design, composing music for I Stand Still • Shooting made it difficult to continue • Ultimately finished film as tribute, dedicated to victims The connections between the Pulse shooting and the film I Stand Still • Personal connection for Carlos: Clock tower at end as body count • Broader analytical connection: Accept your truth, whatever it may be Carlos’ advice for aspiring directors • Just start creating • Don’t worry about what others are doing Rachel’s guidance for would-be actors • Give yourself the opportunity to make mistakes • Learn from small parts, projects • Network with other artists, learn from their experience The top three locations for film production • Santa Fe/Albuquerque • Atlanta • VancouverMentioned 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!

Navigating the online space to market your business can feel a little like the Wild West. There aren’t any hard and fast rules, and everyone is still trying to figure out what works best. If your business caters to the LGBT community, you may have encountered the added challenge of trying to find your audience. Where exactly is the gay community hanging out online? Matt Skallerud is the President of Pink Banana Media, a company that helps businesses target the LGBT community online and grow with social media. Matt began his career in online marketing in 1995 with GayWired.com, one of the top LGBT websites worldwide. Today he is focused on the most cutting-edge innovations in programmatic ad buying, social networking, and Web 2.0 technologies. Matt is passionate about helping businesses large and small reach the LGBT consumer. Today Matt shares his 20-plus years of experience in the LGBT online marketing space, discussing the evolution of the online ad space, Pink Banana’s decision to niche down to the LGBT community, and why Twitter is the best social platform for learning social marketing. Learn to engage with others online (rather than just speaking to them) and find the right social platform for your industry, and let’s grow the network of successful LGBT entrepreneurs and influencers! Topics Covered The evolution of online marketing • Banner ads and email marketing • Social media (Facebook paving the way) • Third wave coming along with Twitter The differences between Facebook and Twitter • Facebook is Main Street, USA o 5,000 maximum reach o Business page only seen if willing to pay • Twitter is the big city o Noisy, loud o Infinitely scalable o Connect, engage with 1 million Why speaking with people is more effective than speaking to people on social • Speaking to drives traffic via headlines, news clips • Speaking with involves sharing, retweeting • LGBT businesses, associations in UK have high level of engagement Why Pink Banana focuses on serving the LGBT community • Can’t be all things to all people • Wanted to be best at one thing The struggle to find the gay community online • On all platforms • Instagram works for visual businesses (i.e.: destinations, wedding company) • Advertising, marketing and finance better suited to LinkedIn, Twitter, Facebook groups The companies Pink Banana works with • Wide range • Recent partnership with Bud Light (Pride Video Message) • Worked with Comcast during San Francisco Pride • Collaboration with Laguna Beach as destination and OC Pride • Companies trying to leverage influencers, social media networks The types of influencers Pink Banana works with through the ILoveGay network • Didn’t go out looking for influencers • Find content, develop organic relationship • Partner to grow business How the travel industry has been ahead of the curve in reaching the LGBT community The best niche opportunities for aspiring bloggers • Still room in travel (speak to different audience in different way) • Night life, foodie space • Anything with strong personal interest What makes an influencer successful • Speak the language of Instagram, Twitter • Use appropriate hashtags, @ to connect profiles, tagging photos • Active in including who they’re talking about • Passion, interest Why Twitter is the best social platform to train on • Forces into 114 characters • Can still tell story with ‘snapshot’ Cutting edge globally innovative programmatic ad buying • Technology identifies you as an aggregate of data • Allows agencies to target specific group, i.e.: people who shopped for insurance in last 30 days he best time for businesses to partner with Pink Banana • Get active on social • Bump into Pink Banana online • Packages available for under $500Mentioned 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!

You can dance if you want to. And wear a tutu, too! Robert Carter is a dancer with Les Ballets Trockadero de Monte Carlo, an all-male drag ballet company that pays tribute to – and pokes fun at – the classical Russian stars of dance. The male dancers portray ballerinas (with great names like Ida Nevaseyneva), using their incredible athleticism to dance on pointe and exaggerate traditional choreography for comic effect. Robert was one of four dancers in the company featured in the documentary Rebels on Pointe, a Bobbi Jo Hart film revealing the history of Les Ballets Trockadero de Monte Carlo. Robert Carter’s story runs parallel to that of the fictional Billy Elliot. He grew up in Charleston, South Carolina, in a working-class family. His mother made sure that he and his sisters were exposed to the arts, and Robert was involved in community theatre at a very early age. The man who would become his dance teacher noticed him singing a solo at the Spoleto Festival and approached Robert’s mother to offer the opportunity for ballet lessons. Robert attended his first class when he was seven, and he has been dancing ever since. After high school, Robert received a scholarship to take a summer course in New York with the Joffrey Ballet School. His impressive resume also includes roles with the Bay Ballet Theatre, the Florence Civic Ballet, and the Dance Theatre of Harlem Ensemble. Robert joined Les Ballets Trockadero de Monte Carlo in 1995, and in his 23 years with the company, he has performed at some of the grandest venues in the world, including the Bolshoi Theatre and the Opéra de Monte-Carlo. Today he shares his journey from Charleston to New York and beyond, explaining the challenges of being gay in the South, the message of Les Ballets Trockadero de Monte Carlo, and his experience being featured in the documentary film about the company. Topics Covered • The origin of Les Ballets Trockadero de Monte Carlo • How Robert got into ballet as a boy in South Carolina • How Robert’s father reacted to his desire to dance • Offended by prospect • How Robert coped with being a gay man in the South • Robert’s journey to NYC • The bias that pointe work is only for women • The message of Les Ballets Trockadero de Monte Carlo • The Trockadero documentary, Rebels on Pointe • The physical demands of dancing with the Trocks • The benefits of pointe work for male dancers • Where the Trocks get their pointe shoes • Robert’s favorite ballerinas • The importance of acting ability in ballet • How to encourage more boys to do ballet • Why it’s acceptable to start ballet as an adult • Robert’s plans for the futureMentioned 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

The LGBTQ population in every community deserves local access to medical and legal services – and a safe space to meet up. When Sean Coleman saw that the South Bronx was lacking, he cashed out his 401K and founded the non-profit Destination Tomorrow, an organization that serves LGBTQ youth 13 to 24 years of age, with a focus on the transgender community. When Sean established the agency in 2009, he was the sole employee. (Well, perhaps ‘volunteer’ is a more accurate term since he did without any income whatsoever for the first two years!) Despite a number of struggles – including the loss of his condo – Sean knew that Destination Tomorrow was his purpose, so he persevered. Today Sean serves as the Executive Director of a growing organization, leading a staff of eight salaried employees who served more than 300 individuals in 2016. Today Sean discusses the services offered at Destination Tomorrow, how he approaches financial literacy with a population that distrusts the banking system, and his advice for others who may want to initiate similar programs in their own community. Listen in as Sean explains how you can get involved in making your community a safe space and shares success stories of individuals served through Destination Tomorrow! Topics Covered The programs offered at Destination Tomorrow • Drop-in program (safe space) • Economic empowerment • GED-readiness program • Housing referrals • Medical, mental health referrals The statistics around homelessness and the LGBTQ population • 51% of homeless in South Bronx are LGBTQ • Majority of that 51% are individuals of color • Many have aged out of foster care system How Sean funded Destination Tomorrow in the beginning • Cashed out 401K • Filed for bankruptcy when personal funds ran out • No income whatsoever in first two years How Sean maintained the courage to keep going • Had come too far to give up • Built momentum with each small victory • WHY was important enough to persevere Destination Tomorrow’s Financial Literacy Program • Partnership with TD Bank • Community unfamiliar with conventional banking • Teaches importance of saving, understanding credit • Students learn basic banking (i.e.: reconcile checkbook, budgeting) • Participants can open bank account with $25 Why financial security is the foundation of a strong queer community • Can’t give back, support community when struggling • Make poor decisions when resources lacking How Destination Tomorrow’s Financial Literacy Program counters the community’s distrust of banks • MassMutual’s LGBTQ Financial Security Summary reports that 59% of LGBTQ community doesn’t trust banks • Understanding the process eases fears (e.g.: overdraft fees) • Education around establishing cushion, overdraft protection • Build relationship with TD bank rep, Barton How fear for physical safety is connected to carelessness with money • May spend money don’t have for cab fare • Must work to change environment • Promote understanding that money provides a certain amount of protection Destination Tomorrow’s KIKI World events • Based on cult classic Paris is Burning • Participants compete in stage competitions (known as KIKI Balls) • Youth meet every Thursday to prep (KIKI Lounge) • Affords staff opportunity to build rapport with young people, connect with services when appropriate The end goal for Destination Tomorrow youth • Self-sufficiency • Ready for employment • Understand what independent living looks like • Healthy etc. How Destination Tomorrow is funded today • Private foundation grants • Two city grants, one state grant • Individual giving planMentioned 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 simple, five-step guide from our Queer Money podcast will prepare for financial emergencies with your eyes closed. Dealing with an emergency is difficult enough, but add to that the stress of not being able to cover your bills afterward. An unexpected accident, illness or car repair can leave you in a lot of financial pain long after the initial crisis. According to a recent MassMutual study, half of our community would be in real financial trouble if faced with an unexpected expense of $5,000. If you’re stressed just thinking about it, listen in as David and John cover the five steps to getting prepared for a financial emergency. Today the Debt Free Guys address emergency savings goals, the importance of having a separate account for this money, and the value of direct deposit in gradually building enough savings to cover six months of living expenses. Learn why it’s essential to build your emergency savings before you deal with other financial goals and when ‘out of sight, out of mind’ is a good thing! If you’re not prepared for a financial emergency, it’s time to start building your emergency savings today – with these five simple steps! Gay Podcast Queer Money by Mass Mutual Topics Covered to Prepare for Financial Emergencies Standout data from the MassMutual LGBTQ Financial Security Summary Four in five say high debt levels make managing finances difficult 25% report having less than $500 in savings 50% say an unexpected expense of $5,000 would cause real cutbacks/they would not get by John and David’s advice on determining emergency savings goals Eventually, save enough to cover three to six months of living expenses Do whatever it takes to save $500 as quickly as possible (insurance deductibles) Step 1: Create a basic, no-frills savings account separate from all others Separate financial institution, challenging to access Leverage your laziness Step 2: Note your account information Account number Nine-digit transit routing number Step 3: Establish a direct deposit from employer Complete employer’s direct deposit form Portion of paycheck automatically sent to emergency savings Avoid reviewing statements (out of sight, out of mind) Step 4: Choose an amount to set aside each month Direct deposit allows for consistent contribution Make small changes (i.e.: giving up one lunch per week) Step 5: Increase your contribution in proportion to pay increases Emergency savings should grow with your success 3% raise on $50K = $100/month after taxes Contribute at least $25 to emergency savings John and David’s next steps once emergency saving is established Shift focus to other goals, i.e.: paying off debt Set up additional accounts for specific purposes (e.g.: home improvements, vacations) Generic Direct Deposit Form - http://debtfreeguys.com/wp-content/uploads/2017/07/Generic-Debt-Free-Guys-Direct-Deposit-Form.pdf Automating Your Emergency Savings Checklist - http://debtfreeguys.com/wp-content/uploads/2017/07/Debt-Free-Guys-Automating-Your-Emergency-Savings-Checklist.pdfMentioned 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!

‘Certain blocks [in Harlem], you may wanna watch that twist… But the truth is, I don’t have to un-code anymore. We know there’s still hate out and about and all around, but I don’t feel that fear anymore.’ Today’s guest is prepared to get you out of that shame spiral and help you see life through a lens of possibilities and positivity, sharing his journey as a successful gay black man in the public eye. Patrick Riley is an independent personality and writer in the New York City area. He made his name as a field producer for Oprah from 1998 through 2012, and he continues to do freelance assignments for OWN, as well as independent projects in the areas of pop culture, entertainment and human interest. Patrick learned the fundamentals of working both sides of the camera while studying mass communication at Morehouse College, and worked in local media outlets before moving to the national stage. He has had the opportunity to produce stories on a number of American icons, including Diana Ross, President Bill Clinton, Beyoncé, Mary Tyler Moore, and Master P. Patrick has received recognition for his work from the Atlanta Association of Black Journalists and the Atlanta Association of Media Women. He chairs the National Association of Black Journalists’ Arts & Entertainment Task Force and was recently named Volunteer of the Year by the New York Association of Black Journalists. Today Patrick shares his inspiring story of coming out to a resistant family, the challenges he faced around money, and the choices that contributed to his success. Get inspired to stop your ‘outdated inner recordings’ and foster success in the LGBTQ community at large! Topics Covered How Patrick got involved in field producing • Studied mass communication at Morehouse College • Initial interest in news reporting • Realized passion for pop culture, entertainment and human interest early on How Patrick came out ‘in layers’ • Grew up in Bible belt, youngest son of Air Force Chief Master Sergeant • Came out to close friends first • Shared with conservative family in mid-20’s • Family had no interest in ‘what love looked like on me’ Patrick’s family’s mixed reaction to sharing his story on national television • Producing segment for Oprah called ‘When I Knew I Was Gay’ in 2005 • Reluctantly agreed to share his own testimonial • Family and friends did not respond • Brother honest in his shame • Nephew proud, ‘sign of the future’ The challenges Patrick faced as a successful gay black man • Communicating with loved ones about life (small doses of honesty) • Making decisions around family members asking to borrow money • Overspending to fill emotional void (retail therapy, travel) Patrick’s advice for the LGBTQ community in America today • Trust that consciousness of society is ‘on our side’ • Count your blessings (i.e.: progress re: marriage equality) • Stop your ‘outdated inner recordings’ • Consider mentoring with organizations like Live Out Loud • Pursue activism within your industry • Support LGBTQ up-and-comers in your field Patrick’s guidance around avoiding the mistakes he made early on • Save your money (the ride doesn’t last forever) • Avoid the ‘disease to please’ • Choose reciprocity when plutonic friends expect your perpetual availability What Patrick ‘got right’ (contributors to his success) • Keep your eye on the prize • Stay ambitious and focused • Appraise your situation, be strategic in taking risks Patrick’s take on fostering success in the LGBTQ community at large • Facilitate compassion among allies • Be clear with resistant loved ones when you can • Stronger individuals = stronger community • Contribute time, resources to LGBTQ causes Patrick’s blog, A Day ‘In the Life of Riley’ • Platform to digest life, career • Partnerships with brands (A-listers, underserved, divas) • Attracts on-camera work, event hostingMentioned 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!

‘There is a boat load of money to be made in real estate investing if you do it right.’ If you are interested in retiring early – and who isn’t? – then it’s in your best interest to focus less on retirement savings accounts and more on a developing a CASHFLOW strategy. (Thank you, Robert Kiyosaki.) A recent Queer Money guest, Todd Tresidder of Financial Mentor, suggested incorporating real estate investment into your portfolio, and the Debt Free Guys’ inbox blew up with questions about how to get started. Enter Mindy Jensen, real estate investor extraordinaire. In addition to being Mrs. 1500, the better half of the 1500 Days to Freedom blog, and the lead story on CNBC Money, Mindy is the Community Manager for BiggerPockets, an online real estate networking platform that just reached the 800,000-member mark. BiggerPockets functions as a resource for real estate professionals, investors, and homeowners, and its associated podcast is the top real estate show on iTunes. Mindy has been investing in real estate since 1998, and she found her niche in the live-in flip space. She and her husband have been wildly successful working toward their goal of early retirement, building a portfolio of $1M and no debt in just 28 months and sharing their saving and investment strategies at 1500 Days to Freedom. Today Mindy offers her advice around finding your niche in the real estate market, choosing properties in and near gentrified neighborhoods, and how long a first-time home buyer should wait before investing in a second property. Listen in and learn how to incorporate real estate investment into your portfolio and achieve financial freedom! Get Resources and Tips at http://debtfreeguys.com/real-estate-investing/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!

It is important to celebrate the older generation of the LGBT community for their strength and resilience. Their willingness to stand up and fight got us where we are today, and the best way to say thank you is to ensure that LGBT seniors have a place to call their own, where they can receive the care they need. Tony Ramos is the executive director of Alta Prime Assisted Living, a unique senior residential care facility in Aurora, Colorado. Alta Prime is LGBT-friendly, and its model of converting single-family homes into care facilities for four to five seniors allows for customized one-on-one care. Tony is a Colorado native with ten-plus years in financial services and a Master’s in business administration. This background coupled with a growing interest in real estate and experience caring for his grandparents led Tony down the path to entrepreneurship in the senior housing industry. Today Tony explains the difference between assisted living facilities and nursing homes, the costs associated with senior residential care, and strategy around preparing for retirement. He also helps us understand the unique needs of the aging LGBT community, the availability of LGBT-friendly senior care facilities, and the discrimination faced by some LGBT seniors in residential care. Tony is ready to share what sets Alta Prime apart as they ‘spoil the seniors’! Topics Covered How Tony gained an interest in senior residential care •Helping grandmother explore options •Heart for ‘taking care of our own’ •Experience in hotel management How Alta Prime is different from other facilities •Converted single family home •More oversight in smaller setting •One-on-one care and customization The cost of senior residential care •$80,000/year average for assisted care facility •$8-10,000/month for institutional facility ($12-15,000 for specialized care) •Traditional health insurance does not help cover cost •Long-term care plans offset some expenses The financial advantage of a smaller residential facility •Less expensive than institutional care •Shortage of availability of Medicaid homes How long people stay in assisted living facilities •Varies by home, specialization •Average stay of two to three years The difference between assisted living facilities and nursing homes •Assisted living provides 24/7 concierge service, may use outside vendors to deliver medical care •Nursing homes offer 24/7 medical care The standard services available at an Alta Prime facility •24/7 supervision •3 nutritional meals, hydration and snacks throughout the day •Housekeeping and laundry •Errands •Bathing, getting ready •Social activities •Exercise to minimize dementia risk •Excursions (e.g.: Rockies game) •‘Spoil the seniors’ The availability of LGBT exclusive senior residential facilities in the US •Only a handful in the nation •Fountain Grove Lodge, Stonewall Gardens, Rainbow Vision, Birds of a Feather, Triangle Square The unique needs of the older LGBT community •Some still dealing with HIV •Limiting beliefs •Fear of isolation, loneliness The numbers around the aging LGBT population •Three million in LGBT community over 55 •Will double in next 20 years •51% of older LGBT community concerned about financial future •2/3 of older trans people worry about being denied access to medical treatment •24% of older LGBT people of color have experienced housing discrimination •71% of LGBT population scared won’t have money for happy retirement The discrimination of LGBT seniors in residential care facilities •Testimony of aging seniors regarding discrimination, isolation •Verbal abuse from staff, other residents •Some cases of physical abuse Tony’s suggestions around preparing for retirement •Planning is crucial •Research available services, funding access •Consider long-term care insurance •Acquire retirement vehicle [i.e.: Roth IRA, 401(k)] •Build wealth by investing in home •Explore Social Security benefits at massmutual.com/social-securityMentioned 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

Navigating Student Loan Debt with PT Grad and Podcaster Will Boyd Most college students don’t understand what they’re getting into when they take on student loan debt. It is easier to remain blissfully ignorant of compounding interest while you enjoy the university experience, but that lack of knowledge may cost you the ability to live the life you want later on. Will Boyd recently earned his doctorate in physical therapy from Chatham University in Pittsburgh, but his journey to a degree in healthcare was not a straightforward one. His Bachelor’s was in international studies, and Will’s original intent was to become a human rights lawyer. But while teaching English in Spain and studying for the LSAT in preparation for law school, he realized that his health was suffering from extended periods sitting behind a desk. Will sought guidance from Google about his future, and eventually landed on PT as his chosen field. Will is the host of two podcasts: The Knowbodies, a show that features leaders in health, wellness and self-development, and Breaking Student Debt, a program to document his journey navigating his way out of the student loan debt he accumulated in graduate school. Today Will shares the breakdown of what he owes, how he is working to refinance his student loans, and the connection between debt and your health. Listen in and learn how to be your own unicorn, face your debt head on and live the life you want! Topics Covered Will’s student loan debt • $161,000 with compounding interest • $80,000 in Stafford loans for tuition • $60,000 in Grad PLUS loans for personal expenses • $20,000 interest • No private loans • Some loans begin accruing interest as soon as you accept money • 4.5% adds up quickly over time Will’s mindset around debt during grad school • ‘Ignorantly cognizant’ • Took out more than needed to have buffer • Because money was cause of tension in family, didn’t want it to dictate own life Will’s advice to young people regarding money and debt • Consider taking a year off after high school • Work full time to understand real hard work, time investment • Career path may not require formal education • Get creative in funding education via scholarships, crowdfunding The feasibility of working while going to school • Intense academic course load didn’t allow Will to do so • Did some website building, online marketing on the side • Weigh pros and cons of giving up 10-15 hours of free time Will’s refinancing process • Standard repayment plan would cost $1,981/month for ten years • Connected with FitBUX for advice • Transfer to extended fixed plan, owes $1,100/month • Consolidating eight different loans to one interest rate (dependent on credit score and debt-to-income ratio) • Documenting journey through podcast Will’s take on the federal student Loan Forgiveness program • Great concept, really helped some • Others disillusioned and ended • Change in government leadership could take away • Look into it if on service-oriented career path • After ten years at non-profit, remaining debt forgiven The Breaking Student Loan Debt podcast • Documents Will’s journey navigating system • Focus on understanding system • Explore tactics for paying off debt • Share ideas for growing income Mass Mutual’s findings around the LGBT community and money • 80% concerned about direction of government, compared to 66% of general population • 65% worried about money, compared to 57% of general population • 45% believe money woes adversely affect their health, compared to 34% of general population Will’s perspective on financial worry and your health • We grossly underestimate the cost of financial worry on physical health • Need to start talking about it, especially in time of chaos in government • Healthcare is more psychology than anything else • Develop a mindset to confront money issues • Invest in yourself, your belief systemMentioned in this episode:Get Your Portugal Golden Visa Here!Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement MentorshipMake your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement VaultYour fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!

This daughter of two moms will challenge every negative stereotype you've heard about children growing up with same-sex parents. Meet Cinara Foor, Financial Planner and Daughter of Two Lesbians How many 21-year-olds do you know who have invested in a Roth IRA and own their own home? Today you’ll meet an aspMentioned 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

Today Caleb and Matthew chat with the Debt Free Guys about their area of expertise as coaches, what to expect in an Increase Your Income strategy session, and why they include a one-on-one component with every offering at LGBTQ Entrepreneur. Listen and learn why Caleb and Matthew chose to focus on serving the LGBTQ community, the trends specific to LGBTQ clients, and their take on how the community can raise its game!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

Why Should You and Your Gay Partner Get Married Now? Did you know that 71% of LGBT people are scared they won’t have enough money to live out a happy retirement? It’s scary think we could run out of money as we age. What can you do to be better prepared? What can you do to have a better LGBT retirement? When you find out, you and your queer partner will want to get married now.Mentioned in this episode:Want the confidence to retire when and how you truly want?If you’re considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement MentorshipGet Your Portugal Golden Visa Here!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

We need more LGBT leaders to share their stories of successful LGBT living and leadership to have more successful LGBT leaders. For this show, we invited back one of our first guests from our very first Queer Money show. Throughout his life, Jay Allen has been a mentor and leader in being out and proud. Once one of the highest ranking out LGBT people in a Fortune 500 company, Jay has wisdom on successful LGBT living and leadership for us all.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!

Your gay retirement dreams tomorrow depend on your LGBT financial experience today. Flash forward to Palm Springs CA 20 years into the future, and a once young, vivacious and muscly disco boy turned impressively in shape and well-groomed retiree. The air is hot, the sky blue, the boys tan, the drinks strong. Is this your life in retirement or the trip of a lifetime? Are you loving your golden years or getting a taste of what might have been?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!

We all love a good trick. Tricks give us the treats we need when we need it and then we can move onto the next trick. Today, we’re sharing 15 social media tricks to give more and get more. Hey, download the FREE Debt Free Guys’ 15 Social Media Dos & Don’ts Checklist!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!

Debt Free Guys readers and listeners tell us that their number two financial concern is retirement planning. Many listeners seek our help with retirement planning when they’re in their 40s and 50s, which is serious crunch time. Today’s Queer Money guest shares his path to early retirement that late retirement planners can use before it’s too late.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!

Comfort is the enemy of progress. You sometimes have to go outside your norm, maybe become a little uncomfortable, to achieve your goals. That’s why we came up with these 17 semi-hard and creative ways to keep your money to yourself.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

We’re Getting What We Really Want and You Can, Too We’re riding a high off of a fantastic week, and we’re excited to share it all with you. We just returned from a week in Ohio where we had our own little, Debt Free Guys’ speaking tour. We’re not Madonna, but she’s not me. It’s been a goal of ours for a while to get into the speaking arena. For one, it’ll help us achieve the ultimate goal of what we really want, and that’s to spend more time together. For another, it’ll help us build a stronger, louder voice in LGBT finance. Find out how we got here.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!

Sure, you may have a lot of stuff, but is it stuff you even want? Are you happy with what you have or does the happiness dissipate as soon as you get something? Dr. Dimartini’s quote inspired today's Queer Money on purpose driven spending, and we’ll paraphrase, “Fill your life with the important things because, if you don’t, it’ll automatically be filled with the unimportant things.” If you’re feeling unfulfilled, it may be that your life is full of the unimportant things and purpose driven spending will get you what you want.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!

Our friends, Jonathan and Christopher have been going through the adoption process for the last two years. On this Queer Money, they share how they prepared for the adoption process, what the adoption process has been like, and what they would tell other queer people who want to start their own queer family through adoption.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

You thought when you came out as queer to your friends and family you were done? Um, no! You’re about as finished as Meryl Streep’s career, which is to say you’re not even close to your final act, which is to say you’re about as done with shocking people like Madonna, which is to say . . . you get the diva-inspired point! On this week’s Queer Money, we talk about how and why you need to take a few more steps out of that closet.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!

Our good friend, Shannon, gave it to us good so we gave it right back to her. That’s a podcast interview, gurl with her mind in a gutter! Shannon McLay is the brainchild, owner, and master trainer at The Financial Gym. The Financial Gym is where you lose debt (weight) and gain financial independence (muscle). Over some bottles glasses of wine, Shannon gives us all the ins, outs, tips, and tricks that make hers the gym of choice for anyone needing cushion in their back pocket. To join The Financial Gym and get your money in shape with one-on-one help, click here and get started today. Tell Shannon the Debt Free Guys sent you. If you sign up by May 1, 2017, you’ll get 50% off the Kickstarter Package.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’re following up on last week’s Queer Money on which a listener asked for advice on how to talk to his partner about his partner’s money troubles. We recommended completing our Hopes & Dreams and Financial Blockers exercises. This week’s exercise gives us the opportunity to uncover what we’re willing to do to attract more money into our lives. Get the download here: http://debtfreeguys.com/2017/03/attract-more-money/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!