Coffee and Coin Podcast

Latest Episodes:

164. September Round-Up: Airbnb Bans and Girl Math Sep 28, 2023

Show notes

Have you found yourself calculating the cost per wear to justify the price of expensive clothes?Curious how Airbnbs are affecting the housing market?

Allegra, Whit, Pam, and Steph are back for the September round-up. They’re sharing their thoughts on the impact of Airbnb bans and the pros and cons of using “Girl Math” when making purchases.

What you’ll learn:

The impact of Airbnb saturation on hosts, local communities, and housing affordability
What “Girl Math” is
Our personal experiences with using “Girl Math” when making purchases
What’s happening in our wallets: HSAs, simplifying finances, and office project completion

163. WTF is an IRA? Sep 14, 2023

Show notes

Looking for a way to contribute more to your retirement savings beyond your 401(k)?

Are you unsure if a Roth IRA or Traditional IRA is better?

In this episode, Allegra and Whitney are doing a deep dive into IRAs. They’re breaking down everything you need to know about the difference between Roth and Traditional IRAs, restrictions for contributing to and withdrawing from IRAs, and why IRAs are great to have in your portfolio.

Listen to hear:

What an IRA is and why you may want one even if you already have a 401(k)
How to make the most of your IRA and avoid costly penalties
A breakdown of the different types of IRAs - Roth, Traditional, SEP, and SIMPLE
How to determine which IRA is right for you and your goals
What action steps to take to open an IRA account

162. Net Worth Diaries: How Taylor R. went from $0 to $301K in 4 years Sep 07, 2023

Show notes

Did you get a degree you don’t want to pursue a career in anymore?

Are you curious how to build your wealth with multiple income streams?

In this episode, Allegra is joined by Factora’s Head of Marketing and Wealth Circle alum, Taylor R. They’re diving into how she grew her net worth by over $300K in just under 4 years, a breakdown of her income streams, and the numbers behind it all.

Listen to hear:

A look inside her income streams and current annual income
How she is making over $60K a year in passive income through business equity
A breakdown of the numbers behind her $301K net worth
What big goals she’s working towards - passive income, real estate, and investments

161. Net Worth Diaries: How Kelly B. Went From $63K to $614K in 3 years Aug 31, 2023

Show notes

What are your net worth goals and how are you working towards them?

Are you surrounding yourself with a community that inspires you to reach your financial goals?

Allegra is chatting with Wealth Circle alum, Kelly B. about the huge changes she has experienced since joining the Wealth Circle in February 2020. She’s sharing all the details about what her numbers were before the Wealth Circle and what they are now, how she spends in alignment with her values, and how she plans to reach her net worth goals.

Listen to hear:

How her income and net worth have increased since joining the Wealth Circle
When she got started investing in paper assets and what her current investment rate is
What steps she took to increase her net worth
Her net worth goals and what she’s doing to reach those goals

160. August Round-Up: Mortgage Rates and the Spending Power of Women Aug 24, 2023

Show notes

Are you holding off on buying a home because of the current mortgage rates?

Have you ever felt influenced by targeted ads while scrolling on Instagram?

Allegra, Steph, Pam, and Whitney are sharing some insight on the current mortgage rates and real estate market and how values based spending helps prevent excessive consumerism.

Listen to hear:

How the current mortgage rates are affecting the real estate market and what opportunities are available in the current market
The impact Taylor Swift, Beyonce, and Barbie are having on the general economy
Why values based spending helps women avoid excessive consumerism
A look inside our wallets: traveling for weddings, the numbers behind PMI removal, living off one salary, and shifting to a nanny share

Join the Fall Wealth Circle

159. Allegra’s Q3 Accountability Meet-Up: Personal Responsibility, Real Estate Optimization, and Multiple Streams of Income Aug 17, 2023

Show notes

Do you have someone who pushes you to expand different areas of your life?

Why is having an accountability partner key to growing your wealth?

In this episode, Allegra and her investie, Steph, are checking in for another accountability meet-up. They’re diving into their recent real estate moves, the importance of having multiple streams of income, and how Steph used a HELOC to buy her dream home.

What you’ll learn:

How Steph is optimizing her real estate assets to bring in more income
Why having multiple streams of income is actually safer than a corporate job
How Steph and Allegra determine which house to sell and when
What their business and personal goals are for the rest of 2023

Join The Fall Wealth Circle: www.factorawealth.com/wealth-circle

Check out the full show notes here: factorawealth.com/coffee-coin-159

158. Ask Me Anything: Wealth Circle Edition Aug 10, 2023

Show notes

Tired of living paycheck to paycheck even with a great salary?

Curious about the investment strategies that can help you build long-term wealth?

The Fall Wealth Circle is officially open for enrollment—and we’re already 54% full! If you’re ready to join an amazing community of women who want to make big financial changes, then we can’t wait to meet you! Still wondering if the Wealth Circle is right for you? Join Allegra as she spills all the details on the most common questions we get about The Wealth Circle.

You’ll learn:

Why we LOVE when women who don’t make a lot of money join The Wealth Circle
The importance of community in wealth building
Why you shouldn’t wait to start investing, even with the volatility of the market
The power of being educated in investing - whether you work with a financial advisor or not

Join The Wealth Circle: www.factorawealth.com/wealth-circle

Check out the full show notes here: factorawealth.com/coffee-coin-158

157. How to Get the Most Out of Your 401(k) Aug 03, 2023

Show notes

Are you taking full advantage of the tax breaks offered by your 401(k)?

Do you have 401(k)s from previous jobs that you don’t know what to do with?

In this episode, Allegra and Whitney deep dive 401(k)s and lay out what you need to know to maximize your retirement savings by breaking down tax advantages, vesting schedules, and withdrawal restrictions.

You’ll learn:

What a 401(k) is and what the benefits of a 401(k) are
What ‘tax-advantaged’ means and why you should care
The difference between a traditional and Roth 401(k)s and why you might choose one over the other
What options you have for your 401(k) when you leave a company
The early withdrawal penalties you should be aware of

Featured in this episode:

156. July Round-Up: Pregnancy in the Workplace and the Gender Investment Gap Jul 27, 2023

Show notes

Have you ever felt hesitant about sharing your plans to start a family with your employer? Are you getting the most out of your company’s 401K?

Allegra, Whit, Pam, and Steph are digging into the challenges of having a child in America, how new laws are helping pregnant women in the workplace, and how to decrease the gender gap in 401K balances in this month’s round-up.

You’ll learn:

What the Pregnant Workers Fairness Act is
Why it is so difficult for working women to have children in America
How to ensure you are maxing out your company’s 401K
What our retirement accounts currently look like

Check out the full show notes here: factorawealth.com/coffee-coin-156

155. From Corporate Career to Opening a Food Truck Park with Anny F. Jul 20, 2023

Show notes

Have you experienced the freedom of entrepreneurship, only to find yourself back in the corporate world? Does working to fulfill someone else's dream leave you motivated to pursue your own dream again? Allegra is chatting with Anny about her journey from corporate tech sales to thriving food truck park owner. She’s spilling all the details of the challenges, set-backs, and risks it took to bring her vision to life.

You’ll learn:

Why Anny decided to pursue full time entrepreneurship even after her first attempt didn’t work out
How she decided on her food truck park business idea
The numbers behind it all - from her corporate salary to start-up to net sales
How taking risks is key to building wealth

Check out the full show notes here: factorawealth.com/coffee-coin-155

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