Coffee and Coin Podcast

Latest Episodes:

24. Meet Kelly M. - Wealth Mindset Advocate & Entrepreneur Aug 11, 2020

Show notes

Kelly M. joined Wealth Circle #13 thinking she was pretty much fine in the finance department: she was maxing out her retirement accounts and she'd just gotten a raise—but she was still having a hard time saving money. ⁠ We cover:

How she increased her net worth by $34K (in 5 months!)⁠ and hit the 6 figure net worth marker just last week⁠.
Why her grandpa’s credit card debt made such an impact on her at the ripe age of 12
The money mantra that’s hanging in her living room.
The details of her first property purchase, which she’s currently under contract for
How she fully funded her emergency account with an extra $18K⁠ (again, in 5 months!).
The business that she co-founded to help brides pivot wedding plans that were impacted by COVID-19!

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23. Meet Chloe K. - Master of the Calculated Risk Jul 29, 2020

Show notes

Chloe joined Factora with an incredible story that shaped her money beliefs. She was earning 6 figures—but her only investments were into her 401k. After a Wealth Circle, she purchased her first property, renovated it, and turned it into a second income stream with rental income.

We cover:

Her first money memory and how that affected her money beliefs.
What it was like to read Rich Dad, Poor Dad and realize her dad was just like the “Poor dad.”
How she got passionate about investing in real estate—and why she turned that passion into a blog!
Her next moves as a real estate investor, and why women naturally make great investors.
How she’s filling her emergency fund and saving for her next investment.

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22. 6 Figure Savings Series - How to Pay Yourself First Jul 22, 2020

Show notes

Allegra shares the power of paying yourself first and what that actually means for your bank accounts—and your future.

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21: 6 Figure Savings Series - Allegra B. Jul 09, 2020

Show notes

We’re bringing you a special miniseries that hones in on Team Factora’s savings successes after creating (and therefore doing) the Six Figure Savings coursework. We get down to the nitty gritty and cover exact emergency fund targets, which accounts we use, the automated systems we set up, our savings "WHYs", and so much more.

In Allegra’s episode, you’ll also hear about:

The story behind her financial revolution and why she created Factora.
How her priorities shifted once she moved out of New York and into Austin.
Her audacious business goals for Factora's future.
How much she pays herself as an entrepreneur, and how she combines finances with her partner.
Her exact savings strategy and how it’s affected by her property.
Why she’s interested in being a source of venture capital for women.
The emotional reason behind her savings goals.

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20. 6 Figure Savings Series - Whitney A.'s Savings Transformation Jul 08, 2020

Show notes

In Whitney’s episode, you’ll also hear about:

Why passive income is so important to financial freedom.
How she combines remote work and travel (because it’s one of her values!)
Her exact savings strategy post-Factora.
How her savings has increased during quarantine.
Why she puts effort into labeling each savings account as the goal it’s for.
Her psychological tips for leaving savings where it belongs: in a HYS account.
The "foolproof" savings automation system she uses.

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Learn more about the Wealth Circle

19. 6 Figure Savings Series - Julia T.'s Savings Transformation Jul 02, 2020

Show notes

We’re bringing you a special miniseries that hones in on Team Factora’s savings successes after creating (and therefore doing) the Six Figure Savings coursework. We get down to the nitty-gritty and cover exact emergency fund targets, which accounts we use, the automated systems we set up, our savings "WHYs", and so much more.

In Julia’s episode, you’ll also hear about:

How she saved almost $20K in quarantine.
Her creative house hacking strategy.
Why she combined finances with a partner during a career change.
The mindset shift that helped her see saving as sexy! And not boring.
Why she hates the word “budget”—and what she says instead.
How she calculated her emergency fund with flexibility in mind.
Her next big audacious goals and her strategy to get there.

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18. Townhall Recap: Economic Disparity Facing Women of Color Jun 24, 2020

Show notes

In this episode, we talk to Nikki T., Factora's new Head of Diversity and Inclusion. She's no stranger to this podcast (see episode #12), but this time, she and Allegra summarize Factora's first town hall about economic disparity in America, the aftermath of the George Floyd protests around the world, and what it means to pursue wealth as a woman of color.

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17. Meet Claire F. - Supersaver, Winner of our Challenge May 27, 2020

Show notes

A few weeks ago, we hosted a Savings Challenge to see if we could save $50K as a community—and to see who could save the most individually. Claire blew us away by setting aside over $20K in one month. Obviously, we had to have her on the podcast to share her supersaver secrets.

We cover:

How she saved 23k in 5 weeks and what she did with the cash.
How she went from being a W2 income earner (and saving nothing) to saving around 70% with flexible income.
The breakdown of her 6 income streams.
How she changed her mindset from being a spender to a saver.
The plan for her next investment—and why she’s got 65k saved for it.
How she plans to pay off the rest of her student loans by the end of the year.
Why she prefers to save up to pay off debt rather than pay as she goes.
Why she cancelled her wedding—and how much she’s saving from it.

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16. Meet Emily P. - Reinventer, Career Coach, Budding Entrepreneur May 20, 2020

Show notes

Emily was a director of a large team at a high-paying job in NYC. Since taking a Wealth Circle, she’s transitioned into an even higher-paying job, has completely moved out of New York City, and decided to travel the country before putting down roots—all while starting her own business.

We go over:

Why she left NYC during COVID-19 and hasn’t looked back.
How she’s currently saving 30% of her income.
Balancing her natural tendencies as a people-pleaser with asking for what she wants.
Her advice for negotiating salary and why it’s not a single conversation.
The 2008 recession and how it affected her as a child in a commuter town.
Why she felt unprepared to manage overspending, despite having had jobs since she was a teen.
The details of her new coaching business that helps recent grads better navigate their careers.
How she built an emergency fund to support her new venture.
What it was like to become less and less interested in “nicer things” as she got more into personal finance.

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15. Meet Erin B. - From Corporate to Contractor to Business Owner May 12, 2020

Show notes

Erin B. is a former marketer at Uber & Austin, TX city-dweller who moved back to her hometown to cut down on expenses in order to lower her debt. Then she got laid off. Less than a year later, she’s happily earning less, saving more, getting creative with real estate investing & home renovations, and getting ready to start the nail salon/coffee bar of her dreams. We cover:

What it was like to grow up in a small town with her sights set on big city living and how that feeling has morphed.
Growing up with financially-responsible parents and how that led to overindulging on credit cards.
How she and her husband went from avoiding money-talk at all costs to slashing debt and getting creative with their investments.
How she and her husband use her salary for living expenses and use his salary to payoff debt & invest in their dreams.
How they were able to buy two houses with $0 cash down and already have thousands in equity built-in.
Why they splurged on a nice car after having no car payments for several years.
Her plans to build a hometown nail salon and why she values business as a path to "schedule freedom."

Download our FREE financial framework workbook

Learn more about the Wealth Circle

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