Coffee and Coin Podcast

184. How To Keep Negotiating Even When You're Told "No" Jun 20, 2024

Have you ever been told "No" when negotiating your salary?

In this episode, Joy M shares her creative negotiation tactics, how she went from being a "saver" to being an "investor", and her biggest takeaways from joining the Wealth Circle. Plus, you'll get to hear the fun story about her incredible dog that walks itself!

LISTEN TO LEARN:

01:30 Treadmill Walking Dog
04:54 Job Title & Salary
06:00 Negotiate Beyond No
14:13 High Yield Savings
18:24 Genius 401K Strategy
24:01 Emergency Fund Tactics

RESOURCES

Join the Wealth Circle: factorawealth.com/wealth-circle

Join 6 Figure Savings: factorawealth.com/6-figure-savings

Join our FREE email mini-course and start building wealth today: factorawealth.com/wealth-building-101

FOLLOW

Instagram: www.instagram.com/factora_wealth/

YouTube: youtube.com/@factora_wealth

Visit our website: www.factorawealth.com

Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

183. How to Optimize Wealth Building During Unemployment Jun 06, 2024

Are you facing unemployment and racking up debts because of it? Do you feel like you're not moving fast enough towards your financial goals?

In this episode, Shelly G. opens up about her turbulent 10-month-long unemployment journey and how she came out the other side. Although she accumulated almost $40,000 worth of debt, she has already made headway in paying it off, landed her dream job, and has creatively reduced her expenses.

LISTEN TO LEARN:

03:18 Shelly's G #MoneyWin
06:39 Her 2024 Word "Optimize"
10:50 Is Credit Card Debt Bad?
13:39 An Unplanned Sabbatical
29:44 Shelly's G Net Worth
34:00 Financial Accountability Partner

RESOURCES

Join the Wealth Circle: factorawealth.com/wealth-circle

Join 6 Figure Savings: factorawealth.com/6-figure-savings

Join our FREE email mini-course and start building wealth today: factorawealth.com/wealth-building-101

FOLLOW

Instagram: www.instagram.com/factora_wealth/

YouTube: youtube.com/@factora_wealth

Visit our website: www.factorawealth.com

Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

182. How to Get Your Kids Interested In Investing May 23, 2024

Want to get your kids more interested in investing but don't know where to start?

In today's episode, Allegra is joined by Erika S., who has been talking to her kids about money since they were in the crib. Fast-forward 16 years, and her oldest has just opened a HYSA and is well on her way to a million-dollar net worth! Erika S. lays out her strategies for getting kids curious about wealth building from an early age and all the incredible takeaways she's gained from the Factora Community.

LISTEN TO LEARN:

06:25 Talking to kids about money
17:15 Opening an HYSA for her 19-year-old
19:30 Why HYSAs are so effective
23:00 Takeaways from Factora

RESOURCES

Join the Wealth Circle: factorawealth.com/wealth-circle

Join 6 Figure Savings: factorawealth.com/6-figure-savings

Join our FREE email mini-course and start building wealth today: factorawealth.com/wealth-building-101

FOLLOW

Instagram: www.instagram.com/factora_wealth/

YouTube: youtube.com/@factora_wealth

Visit our website: www.factorawealth.com

Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

181. How to Plan a Wedding Under $30K with Chris P. May 09, 2024

Are you planning a wedding and looking for cost-saving strategies? Unsure of how to talk to your partner about finances?

In this episode, Chris P. shares her personal take on wedding planning with her partner, focusing on how they’re designing a celebration that not only honors their values, but also respects their financial goals. Chris also opens up about her fertility journey, highlighting the hidden costs and hurdles while preparing for a baby.

LISTEN TO LEARN

7:00 #FinanceFlirting
18:00 Cutting Wedding Costs
25:00 Wedding Budgeting
27:30 Prenups
30:00 Fertility Journey

RESOURCES

Join the Wealth Circle: factorawealth.com/wealth-circle

Join 6 Figure Savings: factorawealth.com/6-figure-savings

Join our FREE email mini-course and start building wealth today: factorawealth.com/wealth-building-101

FOLLOW

Instagram: www.instagram.com/factora_wealth/

YouTube: youtube.com/@factora_wealth

Visit our website: www.factorawealth.com

Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

180. Big News! The Wealth Circle is Now Self-Paced! Apr 25, 2024

Have you been curious about the Wealth Circle but have yet to pull the trigger? Now's your chance!

In this episode, Allegra unveils exciting changes to the Wealth Circle, including a new self-paced course format. This format offers you more flexibility to learn at your own pace, ensuring you get the most out of your wealth-building journey.

RESOURCES

Join the Wealth Circle: factorawealth.com/wealth-circle

FOLLOW

Instagram: www.instagram.com/factora_wealth/

YouTube: youtube.com/@factora_wealth

Visit our website: www.factorawealth.com

Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

179. How Sarah B. Knocked 25% Off Her Mortgage in Just 2 Years Apr 11, 2024

Want to pay off your mortgage in 10 years instead of 30?

In this episode, Sarah B.L. shares the nitty-gritty details of how she paid off 25% of her mortgage in just two years—and how she's on track to pay off her 30-year mortgage in just 10 years. She explains why this decision was the right choice for her family, the difference between good debt and bad debt, and how talking about money made her a more confident investor.

LISTEN TO LEARN

04:00 - Financing Her First Home
10:30 - How She Pays Her Mortgage
14:30 - Her Home Buying Strategy
21:00 - Her Factora Learnings

RESOURCES

Learn more about the Wealth Circle: factorawealth.com/wealth-circle

Join 6 Figure Savings: factorawealth.com/6-figure-savings

Get our FREE financial framework workbook: factorawealth.lpages.co/grow-net-worth-workbook

Get our FREE investing checklist: factorawealth.lpages.co/investing-checklist/

FOLLOW

Instagram: www.instagram.com/factora_wealth/

YouTube: youtube.com/@factora_wealth

Visit our website: www.factorawealth.com

Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

178. How to Make the Most Out of Your IRA Mar 28, 2024

Did you know that you have until April 15th, 2024, to contribute to your 2023 IRA?

If you haven't maxed yours out yet, this episode will share everything you need to know about making the most out of your IRA.

Allegra and Whitney explain everything you need to know about the difference between Roth and Traditional IRAs, the restrictions on contributing to and withdrawing from IRAs, and why IRAs are great investments.

LISTEN TO LEARN

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

RESOURCES

Learn more about the Wealth Circle: factorawealth.com/wealth-circle

Join 6 Figure Savings: factorawealth.com/6-figure-savings

Get our FREE financial framework workbook: factorawealth.lpages.co/grow-net-worth-workbook

Get our FREE investing checklist: factorawealth.lpages.co/investing-checklist/

FOLLOW

Instagram: www.instagram.com/factora_wealth/

YouTube: youtube.com/@factora_wealth

Visit our website: www.factorawealth.com

Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

177. Wealth Management 101: Taylor R. & Allegra Break It Down Mar 14, 2024

Feeling lost in the maze of financial tools and platforms? Curious about how others structure their finances for success?"

In this episode, Tay and Allegra reveal the ins and outs of their finance game, sharing the ins and outs of their account setups and the nifty tools that keep them sharp. From daily checks to annual overhauls, you'll discover how they effortlessly stay on top of their finances.

LISTEN TO LEARN

04:07 - Taylor’s Account Breakdown

07:47 - Lifestyle Analysis

14:05 - Taylor’s Financial Maintenance

21:18 - Allegra’s Account Breakdown

RESOURCES

Learn more about the Wealth Circle: factorawealth.com/wealth-circle

Join 6 Figure Savings: factorawealth.com/6-figure-savings

Get our FREE financial framework workbook: factorawealth.lpages.co/grow-net-worth-workbook

Get our FREE investing checklist: factorawealth.lpages.co/investing-checklist/

FOLLOW

Instagram: www.instagram.com/factora_wealth/

YouTube: youtube.com/@factora_wealth

Visit our website: www.factorawealth.com

Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

176. Real Estate Partnerships 101: Building Wealth Together Feb 29, 2024

Are you hesitant about mixing business with friendship? Waiting to find your forever partner before purchasing a home?

In this episode, serial real estate investor Stef shares her journey of blending business with pleasure and harnessing the power of partnership to grow her real estate portfolio to an impressive 19 properties! Whether considering investments with friends, family, or both, this episode provides the insights and guidance necessary to confidently and clearly navigate the complexities involved.

LISTEN TO LEARN

03:32 - Stef's Real Estate Portfolio Breakdown

08:00 - "Houses before Spouses"

21:00 - LLC's & Operational Agreements

26:00 - Real Numbers & Examples

47:00 - 1031 Exchange

RESOURCES

Learn more about the Wealth Circle: factorawealth.com/wealth-circle

Join 6 Figure Savings: factorawealth.com/6-figure-savings

Get our FREE financial framework workbook: factorawealth.lpages.co/grow-net-worth-workbook

Get our FREE investing checklist: factorawealth.lpages.co/investing-checklist/

FOLLOW

Instagram: www.instagram.com/factora_wealth/

YouTube: youtube.com/@factora_wealth

Visit our website: www.factorawealth.com

Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

175. How Modern Women Invest to Build Wealth Feb 15, 2024

Curious about what it takes to start your own side hustle or invest in startups? Are you ready to unlock the secret to building a seven-figure net worth?

In this episode, we're sharing a recording from our January Community Event, where three Wealth Circle graduates joined Allegra to share their transformative journeys and strategies, including a remarkable transition from a $62K salary to an impressive $200K a year and another inspiring tale of a net worth leap from $60K to a staggering $682K.

LISTEN TO LEARN

04:45 - Success Stories of Wealth Circle Alumni

18:50 - Investment Asset Classes

20:00 - Starting A Food Truck Business

24:00 - Real Estate Investing

37:50 - Talking about Money

43:00 - Wealth Circle Q & A

RESOURCES

Learn more about the Wealth Circle: factorawealth.com/wealth-circle

Join 6 Figure Savings: factorawealth.com/6-figure-savings

Get our FREE financial framework workbook: factorawealth.lpages.co/grow-net-worth-workbook

Get our FREE investing checklist: factorawealth.lpages.co/investing-checklist/

FOLLOW

Instagram: www.instagram.com/factora_wealth/

YouTube: youtube.com/@factora_wealth

Visit our website: www.factorawealth.com

Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

174. How to Build a Million-Dollar Net Worth Feb 01, 2024

Is it ever too late to start investing? Can understanding your 401k really make a difference in your financial future?

In this episode of Coffee and Coin, our Founder & CEO Allegra breaks down how she built a million-dollar net worth in less than 5 years while making $75K/year. (And guess what? Factora's 2024 Wealth Circle is your ticket to do the same.)

LISTEN TO LEARN

09:00 - Allegra's Story

19:00 - What Is Financial Freedom?

24:30 - Factora's Financial Framework

28:00 - Success Stories

36:00 - Wealth Circle Q & A

RESOURCES

Learn more about the Wealth Circle: factorawealth.com/wealth-circle

Join 6 Figure Savings: factorawealth.com/6-figure-savings

Get our FREE financial framework workbook: factorawealth.lpages.co/grow-net-worth-workbook

Get our FREE investing checklist: factorawealth.lpages.co/investing-checklist/

FOLLOW

Instagram: www.instagram.com/factora_wealth/

YouTube: youtube.com/@factora_wealth

Visit our website: www.factorawealth.com

Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

173. Why Waiting to Invest Could Cost You Big: Unveiling Stock Market Secrets Jan 25, 2024

Ever felt overwhelmed by the idea of stock market investing?

In this episode of Coffee & Coin, Allegra and Whitney dive deep into the world of stock market investing. They explore why waiting to invest can be a costly mistake, break down the mechanics of market cycles, and discuss how dollar-cost averaging can transform your investment strategy. Learn about managing risk, ignoring the sensational news, and the power of starting now!

LISTEN TO LEARN

05:55 - Why You Should Invest in Stocks

07:17 - How the Stock Market Works

09:44 - Stock Market Cycles

14:30 - Why You Shouldn't Wait

35:00 - Strategies You Should Employ

RESOURCES

Learn more about the Wealth Circle: factorawealth.com/wealth-circle

Join 6 Figure Savings: factorawealth.com/6-figure-savings

Get our FREE financial framework workbook: factorawealth.lpages.co/grow-net-worth-workbook

Get our FREE investing checklist: factorawealth.lpages.co/investing-checklist/

FOLLOW

Instagram: www.instagram.com/factora_wealth/

YouTube: youtube.com/@factora_wealth

Visit our website: www.factorawealth.com

Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

172. Net Worth Diaries: How Liz B. Doubled Her Small Business Revenue in 1 Year Jan 18, 2024

Ever wondered how to grow your net worth while juggling multiple roles?

Join us in this inspiring episode of Coffee & Coin where Liz B shares her incredible journey as a small business owner and creator. She went from balancing three part-time jobs to doubling her business revenue in just one year. Liz’s story is a testament to the power of financial education and mindset. Get ready for insights on overcoming financial shame, embracing entrepreneurship, and the importance of community in wealth-building.

LISTEN TO LEARN

08:30 - Overcoming Financial Shame

15:00 - Entrepreneurship Journey

23:00 - Net Worth Breakdown

35:00 - Shame-Free Money Goals

37:00 - Starting Small with Investing

RESOURCES

Learn more about the Wealth Circle: factorawealth.com/wealth-circle

Join 6 Figure Savings: factorawealth.com/6-figure-savings

Get our FREE financial framework workbook: factorawealth.lpages.co/grow-net-worth-workbook

Get our FREE investing checklist: factorawealth.lpages.co/investing-checklist/

FOLLOW

Instagram: www.instagram.com/factora_wealth/

YouTube: youtube.com/@factora_wealth

Visit our website: www.factorawealth.com

Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

171. Net Worth Diaries: How Cris V. went from -$62K to $205K in 3 Years Jan 04, 2024

Are you working to increase your net worth in 2024?

Tune in to this eye-opening episode, where we delve into Cris V's inspiring journey from having a negative net worth to building substantial wealth. Cris shares her candid experiences in navigating the tech world, making calculated risks in real estate, and the life-changing impact of the student loan pause. Plus, the importance of aligning career choices with your personal values, not just the paycheck.

This episode is packed with actionable insights on wealth-building, overcoming financial challenges, and the power of community in financial education.

LISTEN TO LEARN

07:30 Buying Her First Home

09:00 The Factora Wealth Community

20:00 The Student Loan Pause

25:30 Job Salaries & Benefits

29:00 Her IVF Journey

33:00 Retirement Accounts & Side Hustles

RESOURCES

Learn more about the Wealth Circle: factorawealth.com/wealth-circle

Join 6 Figure Savings: factorawealth.com/6-figure-savings

Get our FREE financial framework workbook: factorawealth.lpages.co/grow-net-worth-workbook

Get our FREE investing checklist: factorawealth.lpages.co/investing-checklist/

FOLLOW

Instagram: www.instagram.com/factora_wealth/

YouTube: youtube.com/@factora_wealth

Visit our website: www.factorawealth.com

Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

170. Factora Round-up: The Gender Pay Gap & 2024 Tax Strategies Dec 21, 2023

In this episode, we're tackling crucial topics like the gender pay gap, the realities of salary negotiation, and the impact of maternity leave on women's earnings. Plus, we're diving into the 2024 tax bracket changes and how they affect your wealth-building journey.

Whether you're navigating salary negotiations or optimizing your tax strategy, this episode is packed with valuable insights to help you increase your net worth.

LISTEN TO LEARN

02:30 Debunking the Gender Pay Gap Myth

15:45 The Impact of Maternity Leave on Women's Earnings

27:10 Exploring Salary Transparency Laws

40:50 Navigating the 2024 Tax Bracket Changes

55:30 Personal Finance Updates from Our Hosts

RESOURCES

Learn more about the Wealth Circle: factorawealth.com/wealth-circle

Join 6 Figure Savings: factorawealth.com/6-figure-savings

Get our FREE financial framework workbook: factorawealth.lpages.co/grow-net-worth-workbook

Get our FREE investing checklist: factorawealth.lpages.co/investing-checklist/

FOLLOW

Instagram: www.instagram.com/factora_wealth/

YouTube: youtube.com/@factora_wealth

Visit our website: www.factorawealth.com

Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

169. WTF is an HSA? Grow Your Wealth with a Health Savings Account Dec 07, 2023

Welcome to another episode of Coffee & Coin, where we're on a mission to lead 1 million women to $1 million in net worth!

Join Allegra and Whitney as they explore the intricacies of HSAs and share valuable insights on leveraging these accounts for significant tax savings and investment opportunities.

Whether you're a seasoned investor or just starting out, this episode is packed with practical advice to help you make informed decisions about your financial well-being.

LISTEN TO LEARN

10:00 The Triple Tax Benefits of HSAs

15:00 HSA vs. FSA: Breakdown of differences and advantages

27:00 Whitney & Allegra’s HSA Strategies

32:00 A step-by-step guide on setting up and managing your HSA

RESOURCES

Learn more about the Wealth Circle: factorawealth.com/wealth-circle

Join 6 Figure Savings: factorawealth.com/6-figure-savings

Get our FREE financial framework workbook: factorawealth.lpages.co/grow-net-worth-workbook

Get our FREE investing checklist: factorawealth.lpages.co/investing-checklist/

FOLLOW

Instagram: www.instagram.com/factora_wealth/

YouTube: youtube.com/@factora_wealth

Visit our website: www.factorawealth.com

Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

168. Net Worth Diaries: How Sarah P. 3X Her Investment Rate Nov 21, 2023

Ever wondered how joining a wealth circle could transform your financial journey? Curious about the real-life impact of intentional investing?

On this episode of Net Worth Diaries, Sarah P. takes us on a captivating journey from low-paying non-profit jobs to doubling her salary and investing rate. As a facilitator in the Wealth Circle, she delves into her fulfilling career and the importance of making financial moves aligned with your interests.

Listen to hear:

Getting over the fear of investing
Tripling your investing rate
Variety brokerage account options
Real-life examples, numbers, and breakdowns

Tune in to uncover the empowering world of intentional wealth-building and discover how a supportive community can turn your financial goals into reality. 💰✨

Join the Wealth Circle Waitlist: https://www.factorawealth.com/wealth-circle

Download our FREE financial framework workbook: https://factorawealth.lpages.co/grow-net-worth-workbook/

167. Unlocking Financial Freedom: How to Calculate Your Retirement Number Nov 09, 2023

Are you dreaming of early retirement and financial freedom? Wondering how to calculate the magic number that can make your dreams a reality?

In this episode, Whitney and Allegra demystify the 4% rule, explore various asset classes for generating passive income in retirement, and craft a clear roadmap for you to seize control of your financial future.

Listen to hear:

How to calculate your retirement number
The 3% rule vs the 4% rule
How to conduct a lifestyle analysis
Real-life examples, numbers, and breakdowns

Join the Wealth Circle Waitlist: https://www.factorawealth.com/wealth-circle

Download our FREE financial framework workbook: https://factorawealth.lpages.co/grow-net-worth-workbook/

166. How to Stand Out in a Competitive Job Market and Increase Your Salary Oct 26, 2023

Are you looking for a new job or thinking about switching careers? Do you want to earn more at your current company?

In today's episode, Allegra is joined by two recruiting and salary negotiation experts who are passionate about helping women level up their careers, secure leadership roles, and earn more at work.

Listen to learn how to:

Create a customized job search plan
Effectively research roles & companies
Build your personal brand
Submit applications that get noticed
Identify your salary band and negotiate for higher compensation

Want to be the first to know about future workshops like this one? Sign up for our newsletter: factorawealth.com/newsletter

165. Financial Self-Care: Savings, Investing, and Smart Spending Habits Oct 12, 2023

Are you wondering when's the right moment to dive into saving and investing? Ever thought about how you can just sit back and watch your money grow effortlessly in a brokerage account?

In today's episode, the Factora team is diving deep into the realm of financial self-care, exploring how daily habits and practices play a crucial role in shaping your financial future. Liz, Taylor, and Allegra cover everything from savings buckets, value-based spending, and the divide-and-conquer approach to financial planning.

Listen to hear:

The importance of setting up systems and automation
How to decide if purchases align with your values
How to divide and conquer finances as a couple
A breakdown of the different types of emergency funds & savings buckets

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

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

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

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

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

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

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

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

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

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

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

154. Who Should Work With a Financial Advisor Jul 13, 2023

Are you maximizing the benefits of working with a financial advisor? Is the financial advisor recommended by your parents not serving you? Is working with a financial advisor necessary to achieve your financial goals? Allegra & Whit discuss the pros and cons of working with a financial advisor, Whit’s take on working with her financial advisor, and why every #wealthywoman should know how to invest.

You’ll learn:

What fees are associated with working with a financial advisor
When you should begin working with one
How to make the most out of working with a financial advisor
Questions to ask before hiring a financial advisor

153. Travel Hacking 101: How to Travel More and Spend Less Jul 06, 2023

Do you wish you could travel more while still prioritizing money towards your financial goals? Want to make the most out of your PTO without breaking the bank? During our June Community Event, we teamed up with Lindsay of @onegirlwandering to teach you how to maximize your experiences when traveling by creating a budget that works for you and making the most out of credit card and loyalty points.

You’ll learn:

Why being flexible is important when looking for the best travel deals
How to make the most of your PTO by strategically planning your travel dates
What to consider when creating your travel budget
How to maximize credit card perks for airfare and hotels

152. How to Choose the Right Saving & Investing Accounts for Your Goals Jun 29, 2023

Do you have cash just sitting in a traditional savings account? Do you have a sneaky feeling that there might be a better option?

Are you ready to grow your investing strategy, but aren’t sure which account type makes sense for you? In this clip from our webinar, “Where to Invest First,” Whitney breaks down the types of accounts every #WealthyWoman needs and how to create a financial system that puts your money to work.

In this episode, you’ll learn:

The benefits and drawbacks of different types of savings and investment accounts
How to prioritize which accounts to invest in first
Where you could be leaving money on the table
The tactical steps you need to take to open a new account

151. June Round-Up: Rethinking Financial Milestones and Riding the Stock Market Waves Jun 22, 2023

Have you been told that your generation doesn’t work as hard as the previous generations?

Are you questioning if starting a family or buying a house is right for you? Allegra, Steph, Whit, and Pam are back with another round-up and are sharing their thoughts on outdated norms and the emotional side of long term investing.

Listen to hear:

Our thoughts on marriage, having children, and what we are prioritizing at this point in our lives
Why younger generations are no longer set on reaching “milestones” the same way Boomers were
Why investing in the stock market is one of the best options to build long term wealth
A look inside our wallets: Covering costs on sabbatical, financing a dream pool, tenant troubles, and real estate projects

150. Lessons for a More Financially Empowered Life Jun 15, 2023

What hard financial lessons have you learned that you wish you would have figured out sooner?

In this listener favorite episode, Allegra offers eight pieces of wisdom for how to live a happier, healthier, more financially empowered life. She also touches on the hard lessons she learned in her twenties, and how Factora fits into her vision of a purpose-driven life.

A sneak peek at Allegra’s learnings:

If you think you can, you can
The best way to increase confidence is to decide and do
Change is the only constant in life
Be purpose driven instead of status driven

149. Intentional Money Systems with Jules Acree Jun 08, 2023

Have you ever thought about leaving your 9-5 and starting your own business, but aren’t sure what it would actually look like financially?

In this episode, Allegra chats with digital content creator and YouTuber, Jules Acree about her intentional pursuit of wealth building and how she went from a corporate job to a multi-six-figure business owner with 7 (yes 7!) income streams.

What you’ll hear:

Jules’ biggest money wins and learnings
How she got started as a digital content creator
The systems she uses to grow her money on autopilot
A breakdown of her income streams, income, and expenses
How she’s intentionally investing to help create the life of her dreams

148. Let’s Talk Wealth: How Modern Women Invest Their Money Jun 01, 2023

Want to travel the world? Retire when you’re 40? Design and build your dream home? Start your own business? Investing can help get you there. But where do you start and what should you be investing in?

The truth is, there’s no one-size-fits-all approach to investing, but the more you talk about building wealth, the more creative you’ll be able to get. And the more results you’ll actually see.

During this episode you'll hear from 3 women who invest in the stock market, real estate, and business, have clear financial goals, and understand how to make their money work for them.

In less than an hour, you’ll:

Be ready to take action on your own money goals
Feel more confident about your financial future
Understand why community is the key to seeing results

147. May Round-Up: Job Security and a New Trend Amongst Single Moms May 25, 2023

What steps should you take to prepare for a potential layoff? What are the possible financial and social benefits of co-living with other single parents? We’re digging into both in this month’s round-up.

What you’ll learn:

The rising concern of job security and how to prep for possible job loss
The pros and cons of sharing a living space + responsibilities with another single parents
How the idea of co-living in America is drastically different than in other countries
Our recent money wins and plans for our next financial moves

146. Motherhood and Finances May 18, 2023

Did you know the average cost of raising a child in the U.S. is $230,000? In this episode, Allegra chats with two Factora women about how they prepared financially to have kids, how their finances have changed since having kids, and how each of them is approaching working with children and childcare.

What you’ll learn:

The costs involved with childbirth and childcare
How these women prepped for income changes once their babies arrived
Different ways they're setting up their children to have successful financial futures

Check out the full show notes here: factorawealth.com/coffee-coin-146

145. How to Choose Index Funds May 11, 2023

So you’re investing in index funds, but do you know how to select them based on your risk tolerance? In this episode, Allegra and Whitney dive into what index funds are, why they’re beneficial to your portfolio, and how to choose your index funds.

What you’ll learn:

What index funds are and their benefits
The steps to take before buying an index fund
How to determine your current risk tolerance (and how it changes over time)
How to select index funds based on your risk tolerance
What Target Date Funds are and how they create a “set it and forget it” approach

Check out the full show notes here: factorawealth.com/coffee-coin-145

144. Allegra’s Q2 Accountability Meet-Up: Real Estate Investments, Paper Assets, and Business Goals May 04, 2023

Why is having an accountability partner so important in reaching your financial goals? Allegra and her investie, Steph, are back with their Q2 accountability meet-up. They’re chatting about their recent and potential real estate investments, how their paper assets are doing, and their business goals for the rest of 2023.

What you’ll learn:

What financial freedom means to Allegra and Steph
Allegra’s potential investment property and Steph’s recent real estate investments
Their current investing rates
Their top line goals for Factora and Open House for the remainder of 2023
Allegra & Steph’s personal updates and goals

Check out the full show notes here: factorawealth.com/coffee-coin-144

143. How to Plan a Destination Wedding in Alignment with Your Values Apr 20, 2023

Thinking about your future wedding and wondering if it’s really worth it to spend $30K+ on a single day? In this episode, Allegra chats with Wealth Circle Alum, Savannah B., who shares how she saved tens of thousands of dollars by having a micro wedding in Japan—and how spending less on the wedding has helped her and her husband reach their financial goals sooner, rather than later.

What you’ll learn:

What inspired her to have a micro wedding instead of a traditional wedding
Why this decision made sense for her and her fiance
The details (and numbers!) behind their destination wedding in Japan
What they’re planning to do with the money they saved

Get the full show notes here: factorawealth.com/coffee-coin-143

142. How to Build a Rental Property for Less Than You Think Apr 13, 2023

Ever thought about building your own investment property, but worried about how much it could cost? In this episode, we talk with Chloe and Valerie, two Factora women turned real estate investment partners, who are proof that building your dream rental property may be more affordable than you think.

What you’ll learn:

How they formed their real estate partnership
How much money they had to bring to the table to buy the lot, design and build
How they designed the property to create 6 different rentable spaces out of 2 units
How much they expect to cash-flow in the first year
Tips for women looking to get into real estate development

Read the full show notes here: factorawealth.com/coffee-coin-142

141. How to Do a 401(k) Rollover and Stop Leaving Money on the Table Apr 06, 2023

Ever wondered how to do a 401(k) rollover?

Many people leave jobs and forget about their retirement plans: leaving 24.3 million 401(k) plans totaling $1.35 trillion in assets on the table. Knowing how to handle your “old” 401(k) plans is key to making sure your retirement funds can keep growing without interruption. During this episode, we're sharing the recording from our March Community Event on how to do a 401(k) rollover.

What you'll learn:

How much a forgotten 401(k) could be costing you
Why rolling over your 401(k) matters
How to complete a 401(k) rollover (it’s easier than you think!)

Get the full show notes here: factorawealth.com/coffee-coin/141

140. March Round-Up: Bank Failures and Another Year without a Shrinking Pay Gap Mar 30, 2023

This week, Allegra is joined by three Factora women - Whitney, Pam, and Steph - for our first-ever monthly round-up. During the last week of each month, we'll be chatting with this panel of women about what's going on in the world and in our wallets. Tune in this week to hear their perspectives on the Silicone Valley Bank failure and another year without a shrinking pay gap. Plus, the financial goals they're each working towards.

Download our FREE financial framework workbook >

Learn more about the Wealth Circle >

139. Buying 10 Houses in 10 Years with Liz P. Mar 23, 2023

Want to retire in your 40s but have no idea how to get there?

In this episode, Allegra chats with Facotra's Community Manager, Liz P, about her plan to reach financial freedom by the time she's 45 by purchasing 10 houses in 10 years.

Listen to hear:

How she came up with this goal
The steps she took to get started
The creative ways she plans to purchase each house
How much she's hoping to cashflow from each property

RSVP for How to do a 401(k) and Stop Leaving Money on the Table >

Download our FREE financial framework workbook >

Learn more about the Wealth Circle >

138. How to Start a Business While Keeping Your Full-Time Job Mar 16, 2023

Have you thought about starting a business but are afraid to leave your 9-5 before you know it can make you enough money? At Factora, we talk a lot about the importance of having multiple income streams and how the wealthiest people are often business owners. In this episode, we hear how Carlyle built a 53-acre retreat space in Texas while continuing to work in tech—and her plan to eventually go full-time in her business.

What you’ll learn:

How she came up with her business idea and got started
How she juggled starting a real-world business while working online
The numbers behind it all—from start-up to cash flow
Tips for women looking to start a business or go all-in on their side hustle

Featured in this episode:

Check out Serena and follow them on Instagram @serenatx
Check out Carlyle’s game, Meet Around the Table
Learn more about the Wealth Circle
Download our FREE financial framework workbook
Watch Coffee & Coin on YouTube

137. Why "Socially Responsible" Investing is Too Good to Be True Mar 09, 2023

So you’ve heard of socially responsible investing, but do you really know what it means or how companies earn the label of “responsible”?

In this episode Allegra and Whitney dive into why these types of funds are so appealing and why they’re really too good to be true.

They discuss:

- What ESG funds are and why more women than men are interested in investing in them

- How companies use socially responsible investing in their marketing and PR

- What people inside the industry are really saying about ESG funds (hint: it’s not pretty)

- What it actually means to be a socially responsible investor and have a real impact on the causes you care about most

Download our FREE financial framework workbook >

Learn more about the Wealth Circle >

136. Allegra & Jake: Financial Transparency & Becoming Millionaires Mar 02, 2023

Allegra & Jake met during SXSW in 2017 at a crossroads in their own personal financial journeys. Since then they've been building their life and wealth together—and today they’re officially millionaires. In this episode they discuss:

What their earliest money conversations were about
How it feels to have crossed the million-dollar net worth mark
The financial decisions, sacrifices, and strategies that helped them get here in just 5 years
Why they value financial transparency and how they put it into practice
What they’re working towards next and their ultimate net worth goal

Listen to previous episodes from Allegra & Jake:

13. Meet Jake G. - Creative Real Estate Investor, Mr. Play-It-Safe, and Allegra’s Fiance

25. Combining Our Finances - Allegra & Jake

47. For the Love of Money - Allegra & Jake

Download our FREE financial framework workbook >

Learn more about the Wealth Circle >

135. Tax Saving Tips for Investors and Business Owners Feb 23, 2023

Taxes are one of our biggest lifetime expenses. They impact our cash flow, investments, properties, and businesses…not to mention our overall net worth. While they may spark *dread* instead of joy, they still deserve our time and attention—because understanding different strategies to lower your annual tax bill can really add up over time. Today's episode is a recording from our February community event with Candace Galiffa, a Certified Public Accountant and Owner of NewWay Accounting—she talks through taxe101 and shares actionable tips for your stock market, real estate, and business investments.

Watch the event recording here >

Sign-up for our newsletter to get access to future events >

Learn more about the Wealth Circle >

134. How to Create a Cash-Flowing Airbnb with Partners Feb 16, 2023

While getting started in real estate has a higher barrier to entry (read: price tag) than getting started in the stock market, there are so many creative ways to lower that cost. In this episode, Allegra interviews three Factora women who have teamed up to create not one, but two cash-flowing Airbnbs in Austin, TX. Listen to hear the different roles each woman played and the numbers behind it all.

Ready to find an Investie of your own? Join the Wealth Circle Waitlist.

Listen to the Investies' previous episodes of Coffee & Coin:

Renee - Episodes 8 & 68

Celeste & Christine - Episode 55

Christine - Episode 9

Want to learn more? Download our free workbook.

133. Allegra's First Accountability Meet-Up of 2023 Feb 02, 2023

In this episode, Allegra shares her first accountability partner meet-up of 2023, with Steph Douglass, a Factora Member and Founder & CEO of Open House Austin. They share their biggest learnings from 2022, how to keep going when you don’t hit your goals (when or how you planned), and what they’re working towards in 2023. As always, listening to these two talk money is a real treat!

Have questions you'd like Allegra & Steph to answer on future episodes? Email us at info@facotrawealth.com.

Ready to get a head start on your 2023 financial goals? Download our free workbook to help you get clear on the steps you need to take next.

Learn more about Factora's online course and community, the Wealth Circle.

Check out Steph's company, Open House Austin.

132. From -$18K to $1.1M: How to Create Money Systems that Build Wealth Jan 26, 2023

It's our favorite time of year because the Spring Wealth Circle is OPEN for enrollment, which means hundreds of women are getting ready to join the Factora community and make some serious financial changes—we can't wait! In this episode, Allegra talks about why creating systems is the KEY to short and long-term financial success and the tools needed to build those systems from the ground up. If you're ready to transform your financial life and join a community of action-oriented, supportive women investors, then you have just a few days left to join the Spring Wealth Circle.

Learn more about the Wealth Circle >

Join the Spring 2023 Wealth Circle >

131. How to Use Money as a Tool for Burnout Jan 19, 2023

Last year nearly half of female employees reported feeling burnt out. Personal expectations, lack of resources, and outside stigmas can all make it challenging to put your mental health first, but prioritizing your mental well-being is vital to your overall health and has a direct impact on your personal and professional life. So in today's episode, Allegra chats with two Factora women who recently leveraged their money and investments to take a sabbatical in support of their mental health. They share what they've learned through this experience and tips for anyone looking to take a sabbatical of their own.

If this episode has you feeling inspired, the Spring Wealth Circle is now open for enrollment! Learn more and join here.

130. How to Show up for Your Finances in 2023 Jan 12, 2023

There is so much power in making decisions for ourselves – but it's after you make the decision that you want something, that you actually have to go and do the work. In this episode, Allegra breaks down the difference between signing-up for your money and showing-up for your money and how a simple mindset shift can set you up to have your best financial year yet.

RSVP for our Wealth Circle Info Session

Join the Wealth Circle Waitlist

129. How to Invest During a Downturn Dec 29, 2022

Nothing bad happens when women talk money. In this episode, we're giving you a sneak peek inside our December Member's event: How to Invest During a Downturn. Allegra chats with two other Factora women about their current investment strategies, changes they've made in the last year, and what they're thinking about as we head into 2023.

Watch the event recording here >

Join the waitlist for the Spring 2023 Wealth Circle >

128. Building Your Financial Foundation (6/6): Investing for Financial Freedom Dec 22, 2022

In the final episode of our Financial Foundation series, we're talking about the one tool that is absolutely key when it comes to growing your wealth over time–investing. Allegra explains how investing will allow you to stop trading your time for money and reach financial freedom way sooner than traditional retirement age. Plus, why she hates the term retirement and how we can shift our mindset to create a life with way more flexibility and freedom now—rather than later.

Download our FREE financial framework workbook >

Learn more about the Wealth Circle >

127. Building Your Financial Foundation (5/6): How to Use Automations to Supercharge Your Savings Dec 08, 2022

In part 5 of our Financial Foundation series we're talking all about how to save for your short-term goals by leveraging one of our favorite wealth-building tools: automations. Allegra walks through how to pay yourself first and how to create systems that will grow your money easier and faster than you thought possible.

Download our FREE financial framework workbook.

Join the waitlist for the Spring 2023 Wealth Circle for the inside scoop and access to Early Bird pricing when we open in December.

126. Building Your Financial Foundation (4/6): Why You Need an Emergency Fund Dec 01, 2022

According to the Federal Reserve, a whopping 36% of Americans don't have enough money saved to cover a $400 emergency. In part 4 of our Financial Foundation series, Allegra breaks down why emergency funds are essential to preserving your wealth and how to determine how much you need in yours.

Download our FREE financial framework workbook >

Learn more about the Wealth Circle >

125. Building Your Financial Foundation (3/6): Values Based Spending Nov 17, 2022

Welcome back to part 3 of our Financial Foundations series! Today we're talking about what it means to spend based on your values and how doing so allows you to spend on the things that matter most to you now while ALSO increasing your investing rate and growing your wealth in the long term.

Watch this video to define your personal values >

Download our FREE financial framework workbook >

Learn more about the Wealth Circle >

124. Building Your Financial Foundation (2/6): Should You Pay Off Debt, Invest, or Both? Nov 10, 2022

There's a lot of talk about what to do when it comes to money. Should you invest? Pay off debt? Both? In this episode, we're taking a look at step one in the Factora Financial Framework: eliminating high-interest debt. Allegra dives into the difference between high-interest debt and low-interest debt and the opportunity cost of NOT investing, to help you determine which strategy makes the most sense for you.

Download our FREE financial framework workbook >

Learn more about the Wealth Circle >

123. Building Your Financial Foundation (1/6): What Wealth Actually Enables in Your Life Oct 27, 2022

When it comes to building the life of your dreams, hope is not a strategy. So, today we're kicking off a new series that will give you the tools you need to build a solid financial foundation from the ground up. In this episode, Allegra explains what wealth actually enables in our lives (hint: it's not just about being rich) and introduces the Factora Financial Framework—the basis for everything we teach in the Wealth Circle.

Download our FREE financial framework workbook >

Learn more about the Wealth Circle >

122. Mindset: Best Lessons from Rich Dad, Poor Dad Sep 01, 2022

In Julia’s final episode, she is sharing what she learned from the book Rich Dad, Poor Dad by Robert Kiyosaki. She breaks down five amazing lessons from the book, gives examples of how she is implementing these lessons and talks about three small changes you can make to get started on your path to wealth.

Download our FREE financial framework workbook >

Learn more about the Wealth Circle >

121. Wealth Circle Transformations: How Lexi Increased Her Net Worth by 59% Aug 25, 2022

Julia is chatting with Wealth Circle Alum, Lexi, about how her life has changed since joining The Wealth Circle in the Spring of 2021. She shares her investment strategy, how her feelings about money have changed, and her real estate goals. Lexi is truly using money to build the life she wants and you can, too!

Download our FREE financial framework workbook >

Learn more about the Wealth Circle >

120. Investing: Why Investing is Better Than Saving & Wealth Circle FAQs Aug 18, 2022

This week, Julia talks about why investing is so much better than saving for building wealth, especially with rising inflation rates. She shares how compounding interest helps you grow your money without doing anything, why investing is going to help you prepare for retirement, and answers some FAQs about the Wealth Circle.

The Wealth Circle doors will be closing soon and won’t open again until 2023. Don’t miss your chance to start building your wealth!

Download our FREE financial framework workbook >

Learn more about the Wealth Circle >

119. Real Estate: Partnerships and Rising Interest Rates with Steph Douglass Aug 11, 2022

Today, Julia is talking with Steph Douglass, real estate extraordinaire, co-founder of Open House, and Factora member. Steph shares how she got started with real estate investing, her journey growing her real estate portfolio, and advice on investing in real estate when interest rates are rising.

Download our FREE financial framework workbook >

Learn more about the Wealth Circle >

118. Mindset: Why You Should Become a Millionaire Aug 04, 2022

Today, Julia is sharing three reasons why you should want to become a millionaire, three big things that are holding women back from building wealth, and how the Wealth Circle will support you in overcoming these challenges and help you build your wealth.

Download our FREE financial framework workbook >

Learn more about the Wealth Circle >

117. Wealth Circle Transformations: Renee S. on Building Wealth for Her Growing Family Jul 28, 2022

Julia talks with Renee, Wealth Circle Alum and Factora’s of Growth Marketing, about how she reevaluated her relationship with money when she transitioned into a new phase in her life. Today, Renee shares how Factora helped her come up with a plan that is comfortable for her and how she’s using investing and real estate to create multiple streams of income to help pay down student loans and build her family’s wealth.

Download our FREE financial framework workbook >

Learn more about the Wealth Circle >

116. Investing: How to Invest During a Recession Jul 21, 2022

There’s a lot of talk about a coming recession. Today, we’re going over the principles you need to keep growing your wealth in a market downturn.

Download our FREE financial framework workbook >

Learn more about the Wealth Circle >

115. Investing: How to Build Your Portfolio From the Ground Up Jun 23, 2022

This week, we’re revisiting our most popular episode of all time, where Allegra offers a window inside Session 1 of the Wealth Circle. In this snippet, Allegra talks about what it means to build your financial future from the ground up.

Download our FREE financial framework workbook >

Learn more about the Wealth Circle >

114. Mindset: Nevia's Millionaire Mindset Changed Her Life — and Could Change Yours, Too Jun 17, 2022

Nevia L. is an alum of Wealth Circle 26. In this throwback episode, she shares her journey in moving from a relationship with debt to one focused on wealth building. She also gives some examples of how she's gotten creative with her financial goals, including taking on an amazing side hustle to save up for a down payment with a friend.

Download our FREE financial framework workbook >

Learn more about the Wealth Circle >

113. Mindset: How Kristin Doubled Her Salary & Created a Student Loan Payoff Plan Jun 10, 2022

In this throwback episode from 2021, Allegra speaks to Kristin J. about her plans to DOUBLE her salary without changing titles or going back to school. Kristin also explained her student loan payoff plan, with a short-term goal of paying off 20k in private loans in a year and a half or less.

Download our FREE financial framework workbook >

Learn more about the Wealth Circle >

112. Real Estate: How an 'Investie' AirBnb Partnership Created Instant Cashflow Jun 03, 2022

This week, we're revisiting one of our favorite conversations from last year. Lisa W. and Alison H. are a pair of "investies" (friends and investment partners) who put their brains together to create a real estate investment partnership in the form of an Airbnb in Austin, Texas. With Lisa's home equity, and Allison's interior design skills, they were able to collaborate on an ideal short-term rental which led to IMMEDIATE cashflow for both of them.

Download our FREE financial framework workbook >

Learn more about the Wealth Circle >

111. Mindset: Itzel G Explains Why You Should Start Investing BEFORE You're 'Ready' May 27, 2022

In this throwback episode from 2020, Allegra talks to Itzel G. about why she took the Six Figure Savings course before she felt "ready."

Download our FREE financial framework workbook >

Learn more about the Wealth Circle >

110. Business: How Riley R. Tripled Her Small Biz Earnings in One Year May 20, 2022

Riley Blanks Reed is the founder and CEO of Woke Beauty, a creative studio offering photography, brand storytelling, and community-building services. In this throwback episode from last year, Riley talks about how Factora helped her to align her financial strategy with her professional and personal identity.

Download our FREE financial framework workbook >

Learn more about the Wealth Circle >

109. Investing Strategies: How Erique Leveraged Automation to Turbo Charge Her Net Worth May 13, 2022

Erique is a Charlotte-based STEM program coordinator who runs an amazing food photography account in her free time. She joined the Wealth Circle last year and has already increased her net worth by tens of thousands of dollars. In this archived conversation, she talks about the power of financial automation, how she's planning to house-hack her home expenses, and more.

Download our FREE financial framework workbook >

Learn more about the Wealth Circle >

108. Accountability: Julia & Caro Swap Creative Investment Ideas May 05, 2022

Today we’re offering a window into another Factora accountability partnership between Caro and Julia. Together they chat (and laugh) about why they decided to become accountability buddies, how they've created a shared perspective on creative careers, and more.

Download our FREE financial framework workbook >

Learn more about the Wealth Circle >

107. Business: How Cheryl Grew Her Net Worth by $730k in ONE YEAR Apr 28, 2022

Wealth Circle alum Cheryl Bailey grew her net worth from $50k to $780k in a matter of one year. Today she talks to Allegra about the financial principles that guided this journey, and why she thinks every woman could gain something from taking the Wealth Circle, regardless of their age or experience.

Download our FREE financial framework workbook >

Learn more about the Wealth Circle >

106. Business: How Short Term Sweat Equity Equals Long Term Passive Income Apr 21, 2022

Unpaid labor is almost never a good idea — but sweat equity? That's a whole other story. Today Allegra sits down with Taylor, our content manager, to talk about how she used sweat equity to gain business ownership in not one, but two small businesses.

Download our FREE financial framework workbook >

Learn more about the Wealth Circle >

105. Real Estate: What it Takes to Run an 11-Unit Rental Building...in Another State Apr 14, 2022

Ever wondered what it takes to get into the real estate investment game? Our latest guest, Allison Mackalik, has all the answers. Today she talks to Allegra about how she and her husband went from an initial investment in a duplex to owning and running an 11-unit rental building in another state.

Check out the resources on real estate investing by Bigger Pockets

Download our FREE financial framework workbook >

Learn more about the Wealth Circle >

104. These Four Easy & Creative Real Estate Strategies Will Work for Anyone Apr 07, 2022

Want to get involved in real estate investing, but have no clue where to start? Today Allegra breaks down four commonly used real estate strategies that anyone can use to get started. Download our FREE financial framework workbook > Learn more about the Wealth Circle >

103. Wealthy Women: This Money Hack Will Help Whitney Take a Yearlong Sabbatical Mar 31, 2022

Our beloved head of product, Whitney L., is taking a step back from Factora to pursue some much-needed time away from the hamster wheel. Today she talks to Allegra about how she's taking a yearlong, unpaid sabbatical without touching any of her savings.

Listen to Whitney's older episode with Coffee & Coin about how she saved a million dollars.

Download our FREE financial framework workbook >

Learn more about the Wealth Circle >

102. Financial Foundations: 3 Ways to Invest in the Stock Market Mar 24, 2022

There are three main ways to invest in the stock market. Each approach impacts how much money you're able to walk away with at the end of your investing journey—and depending on which strategy you choose, your decision might mean a difference of millions of dollars, when all is said and done.

Download our FREE financial framework workbook >

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101. Measuring Motherhood: The Costs of Pregnancy Mar 17, 2022

SURPRISE: Allegra is pregnant! Today she talks about why she's planning a home birth, how much she expects to spend in the early weeks of motherhood, and what she's bought so far for the nursery (hint: it's not much...).

Watch Carly Brown's live-streamed home birth on Instagram.

Check out Allegra's doula and midwife on Instagram: @riverwilddoula & @bear.together

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100. Why We Went All in on Merging Our Finances Mar 10, 2022

Today we're featuring another Team Factora couple: podcast producer Caro and her husband Riley. Together they talk about why they decided to merge their finances completely, how they doubled their collective income in the last year, and how they plan to avoid lifestyle creep in the years to come.

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99. Why Compound Interest Is Your New Best Friend Mar 03, 2022

You might think investing your money is risky, but it's actually WAY riskier to keep your money in cash, thus missing out on the magic of compound interest. Today Allegra explains the simple recipe for investing, highlighting why time in the market and compound interest are a wealthy woman's best friend.

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