Journey To Launch

Latest Episodes:

028- Finding The Right Balance Between Your Income & Expenses with the Paychecks & Balances Duo Jan 17, 2018

Show notes

When developing a solid financial plan, it's important to look at how you can generate the most income while being conscious of your spending. Marcus and Rich from the Paychecks and Balances podcast aim to help people look at both sides of their balance sheet, their income and their expenses.

I really enjoyed interviewing Marcus and Rich as we covered a variety of topics such as how to; negotiate pay raises, pay off debt and the importance of being able to enjoy yourself while on your financial journey.

This is a very informative yet light-hearted episode for those of us who want to accomplish our financial goals while not feeling guilty about spending on the things we value.

Here are the main topics we talked about in the episode:

Rich and Marcus
- Their backstory
- How they became more conscious of their money habits
- The meaning of their podcast

Making the most of your paychecks
- The importance of understanding where your money is going
- Automating your savings
- Negotiating your salary

How to negotiate your salary
- Why people are afraid to negotiate
- The importance of doing your research
- Making the most of your company's benefits
- Using a cost of living calculator

Taking action
- How to be proactive and not reactive
- Why it's better to start now rather than later
- How to live the 80/20 lifestyle
- Why it's important to be responsible but also enjoy yourself

Being in debt
- Marcus' journey managing debt
- Why the easiest part is making a plan
- Making sure getting in debt is your choice
- Rich's story with debt
- Why people want to be debt free
- The difference between good and bad debt
- Credit card debt vs student loan debt

Other related blog posts/links mentioned in this episode:

Paychecks and Balance Podcast
Marcus' book: Debt free or die trying
15 Minute Budget
Paychecks & Balances podcast episode 68: Don't Cost Yourself $600K
Bank Rate Cost of living Calculator
CNNMoney's Calculator
Digit Paychecks and Balances video with CBS
Leave me a voicemail- Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!
Watch me on News12 Watch my latest segments on News12
My One on One Money Coaching Services - Get my personalized 1on1 money coaching expertise to help you reach your financial goals

Connect with Marcus & Rich:

Marcus' info
- Twitter
- Instagram
Rich's info
- Twitter
- Instagram
Paychecks and Balances:
- Twitter
- Facebook

Connect with me:

Journey To Launch Instagram
Journey To Launch Twitter
Journey To Launch Facebook Page
Join the private Facebook Group

027- The Art Of The Side Hustle With Chris Guillebeau Jan 10, 2018

Show notes

Chris Guillebeau is on a mission to help people start their own side hustles so that they can create more security, freedom and opportunities in their lives. Side Hustles are becoming more and more the norm nowadays as people look for a way to supplement their job with extra income. These hustles consist of building an asset with the purpose of providing some kind of return and benefit to a customer.

Chris is currently on a 100 city tour and gives regular talks on the process of creating side hustles for people who want some extra income but don't want to quit their day job. He is an avid traveler and a successful entrepreneur with huge experience dealing with side-hustles.

I was honored to have Chris on the podcast to talk about his new book: 'Side Hustle: From idea to income in 27 days', his podcast Side Hustle School and his two-step process when starting a side-hustle: getting an idea and putting this idea into action.

We also talked a bit about MLMs and some mental blocks people have when starting a side hustle. An interesting and informative interview for those looking to increase their income with a side-hustle!

Here are the main topics we talked in the episode

Chris' introduction
- His backstory
- How he got started with side hustles
- Why he focuses more on income than expenses

Why everyone should start a side hustle
- Why it's empowering
- Side hustles create freedom
- The necessity of a side-hustle

The difference between a side hustler and an entrepreneur
- Side hustles supplement a job
- Side hustles are not about scaling and raising capital
- The importance of the money, mindset and goals

Parts of starting a side hustle
- The two parts: having an idea and taking action
- Starter ideas and next level ideas
- The gig economy
- Examples of starter ideas

Side hustle blocks
- Time and money
- The minimal costs
- The importance of planning and creating a process

The next step after having an idea
- Understanding what form it will take
- Analyzing your audience
- Using your expertise

MLM's
- Being part of a supportive group
- Why it's better to create your own asset

Other related blog posts/links mentioned in this episode:

Chris Guillebeau's book Side Hustle: From idea to income in 27 days

Udemy - An online learning and teaching marketplace

Grab your seat at the Budget Boot Camp

Leave me a voicemail- Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12 Watch my latest segments on News12

My One on One Money Coaching Services - Get my personalized 1on1 money coaching expertise to help you reach your financial goals

Connect with Chris on:

Connect with me:

Journey To Launch Instagram
Journey To Launch Twitter
Journey To Launch Facebook Page
Join the private Facebook Group

026- The Wealth Formula & The Secret Sauce Needed To Make It Work Jan 03, 2018

Show notes

The simple wealth formula can be defined as Income -Expenses = The Gap. You use the gap to get ahead in your finances by paying off debt, saving more and investing more. Essentially, you want to increase The Gap as much as possible in order reach your goals faster.

But that's not all there is to the Wealth Formula. There are other silent but important factors needed in order to make it really work for you. You can call these factors, the secret sauce. Without focusing on these factors, reaching your goals is so much harder and even somewhat impossible.

The Five "Secret Sauce" Factors are:

Intrinsic Motivation
Habits
Beliefs
Consistency
Hard Work/Sacrifice

I've since even modified the Simple Wealth Formula to include what I think is a true driving force of how fast you can reach and maintain your goals to be: (Income - Expenses) * Habits = The Gap

Also, this episode is brought to you by the Free MasterClass that I'm holding Thursday, Jan 4th at 9pm EST. If you haven't signed up yet, don't worry, there's still time, join here

Other related blog posts/links mentioned in this episode:

Reserve Your Seat at The Free LIVE MasterClass on January 4th at 9pm EST: How To Have Your Best Financial Year Yet

Grab your seat at the Budget Boot Camp

Leave me a voicemail- Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12 Watch my latest segments on News12

My One on One Money Coaching Services - Get my personalized 1on1 money coaching expertise to help you reach your financial goals

Connect with me:

Journey To Launch Instagram
Journey To Launch Twitter
Journey To Launch Facebook Page
Join the private Facebook Group

025- Identify Your Money Problem & Join Me For The Free MasterClass Dec 27, 2017

Show notes

Now that Christmas is officially over, how did you do? Did you go over budget or stay within budget or are you afraid to even check? In this week's podcast episode, I'm talking about how to start preparing yourself for next year's holiday season right now and then I dive into how to identify which of the four common money problem(s) you have and how to fix them.

Next week on January 4th at 9pm EST, I'm holding a free LIVE MasterClass/Webinar called:

How To Have Your Best Financial Year Yet- Tips To Save, Pay Off Debt & Invest In 2018

Other related blog posts/links mentioned in this episode:

Reserve Your Seat at The Free MasterClass: How To Have Your Best Financial Year Yet

Blog Post: What's Your Money Problem

Final 2017 Year-End Saving & Investing Update of $84,100

Grab your seat at the Budget Boot Camp

Leave me a voicemail- Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12 Watch my latest segments on News12

My One on One Money Coaching Services - Get my personalized 1on1 money coaching expertise to help you reach your financial goals

Connect with me:

Journey To Launch Instagram
Journey To Launch Twitter
Journey To Launch Facebook Page
Join the private Facebook Group

024- Four Things To Focus on For Major Financial Success in 2018 + A Year-End Update on 2017 Our Saving/Investing Goals Dec 20, 2017

Show notes

It's the perfect time look back and reflect on your finances and do a year-end review.

In today's podcast, I'm discussing the 4 things you should set goals around in 2018, which are:

Income
Expenses
Saving/Investing
Habits

I'm also giving an update on where we ended up with our 2017 Savings/Investing goals. In my 2017 Mid-Year update, back in May we had saved and invested about $53,200. By the end of the year, we ended up saving/investing $84,100 talked about which is about $9,000 less than the $93,100 goal we set for the year.

I also hint at some of the major financial changes we are making next year and give more details about the Q1 2018 Journey To Financial Freedom Mastermind.

Other related blog posts/links mentioned in this episode:

Four Ways To Set Yourself Up For Financial Success

2017 Year-End Saving & Investing Update

Grab your seat at the Budget Boot Camp

Leave me a voicemail- Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12 Watch my latest segments on News12

My One on One Money Coaching Services - Get my personalized 1on1 money coaching expertise to help you reach your financial goals

Connect with me:

Journey To Launch Instagram
Journey To Launch Twitter
Journey To Launch Facebook Page
Join the private Facebook Group

023- The Millennial Path To Financial Independence with Gwen & J From The Fire Drill Podcast Dec 13, 2017

Show notes

Millennials are often mischaracterized as being lazy and wanting things handed to them. I can't tell you how far from the truth that is, especially when it comes to Gwen & J from the FIRE Drill Podcast who came on the podcast today to talk about pursuing FI and the different aspects of paying off debt and being financially stable. Both bloggers have their own informative and successful blogs that share their specific paths to FI and are set on inspiring others to do the same.

I'm also super impressed by what they've been able to accomplish so far at such young ages. Gwen has saved $100k by age 25 and purchased her first rental property, a triplex, earlier this year. J has paid off nearly $100k of debt in two years and has saved over $200k towards retirement by age 28.

On the episode today, we explore the importance of savings and increasing your income. J explains how essential it is to have an emergency fund after what happened to her while she was paying off debt, and Gwen talks about why she has FU money. It was also interesting to hear their takes on real estate and how to get started with house hacking. This is a great episode on the importance of working towards FI and achieving financial goals.

I also announce the Budget Boot Camp Class & open the waitlist for the Q1 2018 Journey To Financial Freedom Mastermind.

Now here are the main topics we talk about in the episode:

The FIRE Drill podcast
- What the podcast is about
- Their specific interests in finance
- How FI allows a life of options
- An interesting way to pursue FI
- How their opinions have evolved since the beginning of the podcast

J and Gwen's journey
- How Gwen found FIRE in college
- Why Gwen plans on quitting her job and be her own boss
- The sacrifices involved
- How J got inspired to pay off all her student debt
- J's methods to pay off debt
- Career hacking

Reaching FI
- How savings give you freedom and options
- What is FU money
- The importance of having an emergency fund
- Getting started with real estate
- 2 methods to achieve FI: savings and monthly cash flows
- The irony once you achieve FI
- Having a back up plan

Other related blog posts/links mentioned in this episode:

Grab your seat at the Budget Boot Camp

Paula Pant: Afford Anything

Mad Fientist: HSA - The Ultimate Retirement Account

Bigger Pockets

Leave me a voicemail- Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12 Watch my latest segments on News12

My One on One Money Coaching Services - Get my personalized 1on1 money coaching expertise to help you reach your financial goals

Connect with Gwen & J:

Gwen's blog: Fiery Millennials
Jay's blog: Millennial Boss
Listen to the FIRE Drill Podcast

Connect with me:

Journey To Launch Instagram
Journey To Launch Twitter
Journey To Launch Facebook Page
Join the private Facebook Group

022- How Investing In Yourself & Starting A Business Can Lead To Financial Success w/ Bola From Clever Girl Finance Dec 06, 2017

Show notes

Bola Sokunbi of Clever Girl Finance is on today's podcast sharing how investing in herself and starting her own business led her to the path of Financial Freedom. Bola is a Certified Financial Education Instructor, an expert on everything money and founder/CEO of Clever Girl Finance, a website, and business to help women manage their finances to talk about just that.

The talk I had with Bola was very inspiring, especially since I'd one day like to turn Journey To Launch into my full-time business. In this episode, we talked about the mindset involved when starting a business, the money management strategies and the sacrifices one has to be willing to take. We also discuss Bola's own financial journey and why she is so dedicated to helping women take control of their finances. This is a very informative episode for anyone thinking of starting up a business and who needs a bit of advice on budgeting, debt and overall money management.

Here are the main topics we talk about in the episode:

Introduction to Clever Girl Finance
- Why Bola focuses on financial wellness for women
- How she helps women get to the point where they feel financially successful
Bola's story with money
- The great influence her parents had on her with money
- How moving to America affected her financial habits
- How she decided to do something that mattered and started a business
The beginnings of Clever Girl Finance
- The sacrifices she had to make to start her own business
- How making a plan helped her manage her business well
- The importance of taking your business seriously
- The change of mindset that comes with investing in your own business
The business mindset
- How to plan for different possible outcomes
- The benefits of investing in yourself and your business
- Why you should have a clear business plan
- What it means to put hard work into your business
- Why you should find a support system with like-minded people
Managing money in a business
- The importance of having a solid strategy when taking on debt
- Sometimes it's better to suck it up and first pay off your debt
- Budget your business like you budget your personal life
How Bola personally manages her money
- How she designs her life around the lifestyle she wants
- How to balance your goals with your current situation
- Determining what a good life means to you

Other related blog posts/links mentioned in this episode:

Leave me a voicemail- Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12 Watch my latest segments on News12

My One on One Money Coaching Services - Get my personalized 1on1 money coaching expertise to help you reach your financial goals

The Wealth Building Manual - A step by step guide to building wealth

YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with Bola

Bola's website: Clever Girl Finance
Bola's podcast: Clever Girls Know
Find Bola on Instagram, Facebook , Twitter and Youtube

Connect with me:

Journey To Launch Instagram
Journey To Launch Twitter
Journey To Launch Facebook Page
Join the private Facebook Group

021- The 7 Steps To Wealth w/ Hilary Hendershott The Profit Boss + Should You Hire a Certified Financial Planner? Nov 29, 2017

Show notes

Today's podcast is an interview with the amazing Hilary Hendershott. Featured in the Wall Street Journal and Forbes, she is a Certified Financial Planner and podcaster who advises women when it comes to managing their finances.

It was my pleasure to interview Hilary because I'm a big fan of her podcast, Profit Boss Radio and she really knows her stuff as you'll be able to hear in the interview.

Here are the main topics we talk about in this episode:

Hillary's financial troubles
- Her personal financial struggles even as a Financial Planner
- How she changed her behavior from pretending to be rich to being open about her money issues
- The importance of having the right mentality
- What financial integrity really means
- How she became responsible for her own financial future

Her work with women and finance
- The reasons people outside the personal finance world struggle with finance
- Why the money conversation isn't happening where women are
- The importance of taking control of your finances

The 7 steps to wealth
- Hillary's 7 steps to wealth, from having the right mindset to learning how to ask for what you want and need
- Why these are the building blocks of wealth

Certified Financial Planners (CFP)
- What is a CFP?
- What to watch out for when hiring a CFP
- At which point you should you get professional financial advice

The Mindset
- What is a money operating mindset
- Why you should get rid of the 'I can't afford that' thought
- How to use the power of words to change your mindset

Other related blog posts/links mentioned in this episode:

Leave me a voicemail- Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

Watch me on News12 Watch my latest segments on News12

My One on One Money Coaching Services - Get my personalized 1on1 money coaching expertise to help you reach your financial goals

The Wealth Building Manual - A step by step guide to building wealth

YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with Hilary

Hilary's podcast: Profit Boss Radio
Hilary's website: Hilary Hendershott
Profit Boss Live Event

Connect with me:

Journey To Launch Instagram
Journey To Launch Twitter
Journey To Launch Facebook Page
Join the private Facebook Group

020- A Money Chat With My Husband Plus Information About The Budget Boot Camp Nov 22, 2017

Show notes

I decided to finally record a podcast with my biggest supporter and the silent partner of Journey To Launch, my husband.

Not only will you get to know me a little better because I'm giving you more of a sneak peek into my personal life but it may also help you think of ways to talk to your partner about finances.

Here are just some of the things we discuss:

His personal relationship with money and what he did and didn't learn from his parents about money growing up
How he felt when I first told him I wanted to retire early and leave my corporate job
What made him feel comfortable with raising his retirement contributions from 3% to 50% of his paycheck
If he still want's to work after I "retire"
His desire for a new car and if he feels our financial goals are too restricting
How he thinks having a 3rd child will impact our finances
If he supports Journey To Launch plus much more!

Other related blog posts/links mentioned in this episode:

The Online Budget Boot Camp - It's time for you to take back control over your finances once and for all and start to feel confident and sure about your finances. Stop living paycheck to paycheck and get ahead of the bills that keep piling up so that you can create the extra cushion in your cash flow to pay off debt and start investing. Grab your seat at the Budget Boot Camp to conquer your budget once and for all!

The 3 Budget Killers Video - Check out the three costly budget mistakes to avoid so that you can finally start to feel confident about your finances!

What Kind of Journeyer Are You? - Take the quiz to find out where you are on the Journeyer scale.

Watch me on News12

My One on One Money Coaching Services

The Wealth Building Manual

YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with me:

Journey To Launch Instagram
Journey To Launch Twitter
Journey To Launch Facebook Page
Join the private Facebook Group

019- The Pillars of FI & How You Can Reach Financial Independence w/ Choose FI Nov 15, 2017

Show notes

What is Financial Independence and how can you reach it? Today I sit down with the guys from the Choose FI podcast to talk about the pillars of Financial Independence (FI) and the practical steps you can take to attain this goal.

In today's episode with Jonathan & Brad, we talk about the following:

The backgrounds of Jonathan & Brad from Choose FI and what prompted them to get off the hamster wheel
Jonathan graduating with $168,000 in student loan debt and how he paid it off
What FI is and how do you know when you've reached FI
The Pillars of FI
How can someone begin to work towards FI even while still in debt plus so much more!

On last week's podcast episode, I talked about making my TV debut here in NYC as the personal finance expert on a weekly segment. Check out the preview below and watch the segment online here.

If you're local in NYC, you can watch me every Wednesday on Making Cents w/ Kristie on News12 Bronx at 4pm and News12 Brooklyn at 5pm on Optimum (channel 12) & Spectrum (channel 212) cable networks.

Other related blog posts/links mentioned in this episode:

My One on One Money Coaching Services

The Wealth Building Manual

YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with Choose FI:

Connect with me:

Journey To Launch Instagram
Journey To Launch Twitter
Journey To Launch Facebook Page
Join the private Facebook Group

Our TOPPODCAST Picks

Follow Us

Stay Connected

Related Podcasts

Links

Stay Connected