The Various Parts of Medicare and What They Cover | Queer Money Ep. 571 Dec 27, 2024

Medicare is a confusing soup of letters, from Medicare part A to part D. What are they and what is the difference?

Many of us will rely on Medicare as we age. So, what are the various parts of Medicare, and what do they cover? Let’s find out on this Queer Money.

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The 5 Freedoms Money Can Buy | Queer Money Ep. 570 Dec 24, 2024

Money can't buy happiness, but it can buy something pretty close to it.

In this episode of the Queer Money Podcast, hosts David and John discuss how money contributes to happiness by providing five key freedoms: financial freedom, location freedom, time freedom, relationship freedom, and 'you' freedom. The episode explains how each freedom significantly impacts the lives of LGBTQ+ individuals, from reducing financial stress to enabling a true expression of self. They emphasize that while money can't buy happiness directly, it offers these freedoms, which are critical to achieving long-term happiness and well-being.

Topics Covered:

00:55 The Five Freedoms Money Can Buy
01:58 Freedom #1: Financial Freedom
03:44 Freedom #2: Location Freedom
05:31 Freedom #3: Time Freedom
06:46 Freedom #4: Relationship Freedom
07:45 Freedom #5: You Freedom
09:04 The Pursuit of True Happiness
11:16 Steps to Achieve Financial Independence

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7 Tools to Help You Retire Earlier | Queer Money Ep. 569 Dec 19, 2024

Does retirement seem like a million years away? Want to retire earlier?

On this Queer Money we tap into the desire to retire earlier or more confidently. Check out these seven tools to help you retire earlier and more fabulously than you ever dreamed.

Do you want to invest in real estate but have no extra cash? How about investing with the money you have in your retirement accounts?

On this episode of Queer Money, the hosts discuss strategies for increasing retirement income with Christopher Price, managing partner at Boost Capital Group, and Founder/CEO of Red Fox Multifamily. Christopher shares his approach to investing in hands-off, revenue-generating real estate to diversify retirement portfolios. Chris explains the benefits of self-directed IRAs, emphasizing the potential for tax savings and passive income through real estate syndications. They explore various investment strategies, the process of setting up these accounts, and the importance of due diligence in selecting reliable investment opportunities.

Topics Covered:

00:09 Guest Introduction: Christopher Price
01:00 Exploring Investment Options Beyond Traditional Accounts
01:45 Understanding Self-Directed IRAs and Solo 401(k)s
05:22 Key Differences Between Self-Directed IRAs and Solo 401(k)s
09:57 Passive Real Estate Investing Explained
15:24 Real Estate Syndications and Their Benefits
23:08 Investment Strategies and Velocity of Money
31:10 Understanding 401k Loans and Real Estate Investments
32:14 Repaying 401k Loans with Real Estate Income
34:19 Rolling Over IRAs into Solo 401ks
35:05 Facilitating the Transfer to Solo 401ks
38:36 Addressing the Housing Crisis and Real Estate Investments
42:32 Improving Multifamily Properties for Better Living
45:02 Finding and Vetting Real Estate Syndicates
49:23 Key Considerations for Real Estate Investments
55:51 Learning More and Connecting with Experts
58:07 Conclusion and Final Thoughts

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Marriage Equality and Your Gay Retirement | Queer Money Ep. 567 Dec 12, 2024

How does being married affect my retirement, especially in light of the Supreme Court's possible challenges to marriage equality?

On this Queer Money®, we discuss marriage equality and tackle the ever-so-romantic question: Should you marry your BFF as part of your retirement plan? Spoiler alert—it might be worth the paperwork.

Are you tired of fighting about money with your spouse? How can you get on the same page?

On this episode of Queer Money® podcast, hosts John and David explore a frequently asked question from members of the audience: “How can couples get on the same page about money?”

This episode features Adam Kol, the couple's money coach who discusses effective strategies for financial planning and communication between partners. Adam emphasizes starting conversations about general money attitudes rather than specific numbers initially, understanding each other's financial backgrounds, and building trust over time. He also provides practical tips on setting financial goals, managing differences, and fostering a team-like approach toward financial planning. The discussion highlights the importance of emotional and financial intimacy and offers actionable steps for couples to align their financial priorities.

Topics Covered:

00:00 Introduction and Common Questions
00:09 Introducing the Guest: Adam Kol
01:28 Effective Strategies for Financial Communication
07:17 Aligning Financial Goals and Priorities
12:53 How to Work Together as a Couple Towards Goals
15:20 Why it Can be Hard For Couples to Talk About Money
18:33 Using Bio-Hacks to Ensure Smooth and Peaceful Conversations
21:42 Finding Common Ground When Each Partner has Different Levels of Comfort with Financial Discussions
26:19 Managing being in Different Financial Stages in Your Lives
32:25 Building Financial Flexibility

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5 Reasons Why You Won't Retire Outside the US in 2025| Queer Money Ep. 565 Dec 05, 2024

Want to retire outside the United States in 2025? You probably won't and here are the 5 biggest reasons holding you back from doing it.

BTW, they're not all money-related.

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How to Successfully Transition into Retirement with Suzanne Campi | Queer Money Ep. 564 Dec 03, 2024

Life changes aren't easy and one of the biggest, transitioning from work to retirement can cause a lot of stress and anxiety. How can you be more prepared?

On this episode of the Queer Money® Podcast, hosts John and David dive into the often daunting topic of retirement planning with retirement planner Suzanne Campi. Suzanne shares insights on alleviating retirement anxieties by envisioning a desired lifestyle. She discusses her unique retirement wheel, which helps clients consider essential life aspects beyond finances, such as health, relationships, purpose, and legacy. Highlighting the importance of being proactive, nurturing community ties, and having a flexible retirement plan, the episode emphasizes that retirement planning should encompass more than just financial stability.

Topics covered:

00:00 Introduction to Retirement Fears
00:23 Guest Introduction: Suzanne Campi
01:38 Understanding Retirement Anxiety
02:51 Redefining Retirement for Boomers and Gen Xers
05:00 The Importance of Purpose in Retirement
08:20 Building Community and Relationships
09:59 Staying Active and Engaged
14:28 Fostering New Friendships
17:23 Balancing Friendships in Retirement
18:13 Finding LGBT-Friendly Retirement Locations
20:39 Planning Your Ideal Retirement
23:13 Ritualizing Retirement Transitions
31:24 Financial Planning for a Fulfilling Retirement
35:05 Connecting with Suzanne Campi
36:32 Conclusion and Upcoming Episodes

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We F'd This Up about Retirement! | Queer Money Ep. 563 Nov 28, 2024

Confession time! We made a big mistake on a previous episode and we're here to fix that mistake today.

What is an RMD or Required Minimum Distribution? Today we clarify the mistake we made regarding when and how RMDs must be taken in retirement.

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5 Post-Election Money Moves for LGBTQ People | Queer Money Ep. 562 Nov 26, 2024

How do the election results impact your finances? Are you making any changes?

On episode 562 of the Queer Money podcast, hosts David and John discuss five essential post-election moves for LGBTQ+ individuals, following the unexpected political shift with Harris not becoming president. The episode underscores the importance of financial security and preparedness in challenging political climates, addressing concerns about Project 2025 and its potential impacts on LGBTQ+ rights. Emphasizing collective financial strength, the hosts recommend supporting LGBTQ+ organizations, businesses, and building personal financial resilience through savings and debt reduction. This episode serves as a call to action for the community to leverage financial well-being as a form of protest and protection.

Topics covered:

02:06 The Impact of Project 2025
04:01 Call to Action: Financial Security
07:13 Supporting LGBTQ+ Organizations and Businesses
13:51 Building Emergency Savings and Debt-Free Living
18:50 Breaking the Addiction to Consumerism
25:19 Conclusion and Final Thoughts

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10 States That Could Ruin Your Retirement| Queer Money Ep. 561 Nov 21, 2024

Taxes! Love them or hate them, either way, they'll have a big impact on your retirement.

Which state you live in during retirement could seriously affect your Social Security income. These are the 10 states that could ruin your retirement.

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Why Pay Yourself First Is Horrible Advice | Queer Money Ep. 560 Nov 19, 2024

You've heard the adage, "Pay yourself first." So, why is that bad advice?

In Queer Money episode 560, hosts John and David debunk the traditional 'pay yourself first' advice and provide a comprehensive approach to managing finances tailored for the LGBTQ+ community. They explain the importance of prioritizing savings and retirement accounts before spending on discretionary items. The episode introduces a new strategy of allocating funds to your future self, past self, and present self in that order. This approach aims to enhance financial well-being and ensure long-term financial security while still enjoying present-day pleasures.

Topics Covered:

00:00 Introduction: Busting the Myth of 'Pay Yourself First'
00:12 What Does 'Pay Yourself First' Really Mean?
01:33 The Reality of Paying Yourself First
03:07 A New Approach: Paying Yourself in Three Ways
04:39 Why This New Approach Works
06:43 Conclusion and Upcoming Episodes

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How Social Security Could Make Retirement Suck (or Rock)| Queer Money Ep. 559 Nov 14, 2024

Will your retirement rock or suck?

Depending on if you qualify for social security you may already know the answer to most of that question.

On this week's Queer Money Fabulous Gay Retirement bonus episode, we break down how social security will affect your retirement and show how to check to see if you're set to receive it as well as how much you may be getting.

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2025 401(k) Updates You Should Know | Queer Money Ep. 558 Nov 12, 2024

Changes to 401(k)s are coming in 2025!

In this episode of the Queer Money Podcast, hosts David and John talk with LGBTQ+ financial advisor Jake Skelhorn about significant 401k changes coming in 2025. They highlight five key changes, including updated catch-up contribution limits for those aged 50 and above, mandated Roth catch-up contributions for high income earners in 2026, and automatic 401k enrollments. Jake also explains the Secure Act 2.0’s rules on inherited IRAs and the implications for the LGBTQ+ community. They delve into strategies for investing in retirement accounts and the potential benefits for younger and late-start savers in making the most out of these new rules.

Topics Covered:

00:00 Introduction to 401k Changes in 2025
00:15 Meet Jake Skelhorn: LGBTQ+ Financial Advisor
03:39 Catch-Up Contributions Explained
05:26 Investment Strategies for Near-Retirees
07:55 Changes for High-Income Earners
17:57 Automatic Enrollment in 401ks
22:07 Inherited IRA Changes
26:57 Conclusion and Final Thoughts

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This 1 Thing Will Guarantee You Get Social Security | Queer Money Ep. 557 Nov 07, 2024

Will you get Social Security benefits when you retire?

For many of us, Social Security benefits will make up a sizeable portion of our income in retirement. Are you sure you'll get it?

On this Queer Money, we break down the steps you need to take to not only find out if you qualify but to see what the Social Security Administration estimates you will get.

This episode is visually intensive. If you would prefer to watch the steps we are outlining, you can do so here.

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How Gay GenXers Can Fund Generational Wealth | Queer Money Ep. 556 Nov 05, 2024

Would you like to have benefited from recieveing generational wealth from within the LGBTQ+ community?

In this episode of the Queer Money podcast, hosts and married Financial Power Couple David and John dive into a crucial conversation about generational wealth within the LGBTQ+ community, noting that for many LGBTQ+ people, traditional family paths to wealth, mentorship, and inheritance simply aren’t there, and that it’s time to break the cycle. David and John outline five impactful ways in which you can foster wealth for future queer generations, even if you’re not a millionaire yourself. They go over everything from establishing scholarships and grants for LGBTQ+ students, creating family or community trusts, offering low-interest loans or microfinancing for LGBTQ+ entrepreneurs, and investing in LGBTQ+ startups or small businesses.

Topics covered:

00:00 Introduction: The Challenge of Generational Wealth in the LGBTQ+ Community
01:12 The Impact of HIV/AIDS on Wealth Transfer
03:11 The Importance of Creating a Wealth Transfer System
05:59 1. Building Wealth Through Scholarships and Grants
09:15 2. Establishing Family or Community Trusts
12:45 3. Offering Low-interest Loans and Microfinancing
14:25 4. Investing in LGBTQ+ Startups and Small Businesses
17:39 5. Supporting LGBTQ+ Real Estate Co-ops
20:19 Understanding Different Financial Support Options
21:59 Recap and Final Thoughts
22:46 Outro and Upcoming Episodes

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10 Best States for Gay Folks | Queer Money Ep. 555 Oct 31, 2024

Where can I live that is accepting of me as an LGBTQ+ person?

The political climate in the United States is difficult right now for many folks, but especially for LGBTQ+ folks who feel like we're being attacked right and left by media, politicians and in some cases even family.

So where can we live that is better for us, whether that's a place to go to college, a city that has protections or states that historically have been on our side?

This week on Queer Money, we break down the top 10 states based on several factors.

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Powerful Queer Money Stories | Queer Money Ep. 554 Oct 29, 2024

We all love stories, but how about stories of career and money mistakes, comebacks and successes?

In this Queer Money Podcast episode, hosts David and John discuss their favorite financial stories from their new show 'Living Not So Fabulously' by Yahoo Finance, offering insights into the financial challenges and successes of various individuals. Highlights include Ruth Jacks' journey from poverty to EVP at Wells Fargo, lessons from Jane Sasseen’s Black Monday investing missteps, Patrick L Riley’s recovery after a devastating fire, a financially strategic coming out story from Eric Berger and Dan Amboyer, as well as a career transition that helped Todd Sears beat financial stagnancy.

This episode emphasizes resilience, the importance of financial planning, and aims to inspire listeners by showcasing that everyone has a unique money story. Tune in weekly on Yahoo platforms for more on financial wellness, LGBTQ+ retirement, and generational wealth.

Topics covered:

01:15 Listener Survey and New Show Concept
01:34 Challenges in Sharing Personal Money Stories
02:05 Yahoo Finance Collaboration and Celebrity Stories
02:46 Promoting Financial Literacy Through Celebrity Stories
05:09 Introducing Ruth Jacks: From Poverty to Corporate Leader
08:42 Jane Sasseen’s Investment Lessons from Black Monday
12:40 Patrick L. Riley’s Gut-Wrenching Story
16:14 Eric Berger and Dan Amboyer's Financial Journey
19:33 Michael Seldtich’s Career Pivot
22:06 Todd Sears' Resilience and Success
24:45 Conclusion and Upcoming Episodes

Tune in to Living Not So Fabulously by Yahoo Finance

Youtube | Apple Podcasts | Spotify

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7 Fabulous Gay Retirement Living Arrangements | Queer Money Ep 553 Oct 24, 2024

What will your living arrangement look like in retirement? What are the options?

On this Queer Money, we dive into the 7 most fabulous gay retirement living arrangements you need to know about. From retiring in place to communal living to LGBTQ+ focused retirement communities, we share the 7 most common ways of finding your special place to call home while in retirement.

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Why Business Is Harder for LGBTQ Entrepreneurs | Queer Money Ep. 552 Oct 22, 2024

Is being an entrepreneur more difficult for LGBTQ+ folks?

Even though the Right won’t admit it, business is more challenging for LGBTQ entrepreneurs, and this shocking story on Twitter/X will anger you.

In this episode of Queer Money, hosts David and John discuss the myriad challenges faced by LGBTQ+ businesses on social media with guest Matt Skallerud, founder, and CEO of Pink Media. The dialogue encompasses the abrupt suspension of key LGBTQ+ accounts on X (formerly Twitter) and broader financial struggles linked to restrictive social media policies. The episode highlights the systemic biases in social media algorithms, changes under Elon Musk's Twitter leadership, and the necessity for adaptive marketing strategies. The hosts also share personal anecdotes of unjust ad rejections and endpoint the evolving landscape of digital advertising for LGBTQ+ entities. With an optimistic look towards future elections, they emphasize the continued fight for visibility and fair treatment online. Resources and insights for better engagement on platforms like LinkedIn and Twitter are shared, along with the importance of sustaining an email list. Matt Scalar provides closing advice on connecting with Pink Media.

Topics covered:

00:00 Introduction: The Challenges for Queer Businesses
00:11 Guest Introduction: Matt Scalar and Pink Media
01:30 The Power of Social Media for LGBTQ Businesses
04:09 The Impact of Twitter's Changes Under Elon Musk
07:36 The Sudden Suspension: A Coordinated Attack
12:31 Financial Impact and Business Adaptation
15:37 Similar Struggles: Our Battle with Facebook
19:56 Challenges for LGBTQ+ Businesses in Social Media
20:17 Navigating Social Media Monopolies
21:30 The Politicization of LGBTQ+ Ads
22:45 Corporate Equality and Its Flaws
23:32 The Political Nature of LGBTQ+ Existence
24:11 The Role of Businesses in Politics
25:31 Advocating for LGBTQ+ Businesses on Social Media
27:10 Strategies for Overcoming Social Media Challenges
31:04 The Importance of Engagement on LinkedIn
35:19 The Future of Social Media for LGBTQ+ Businesses
39:17 Final Thoughts and Optimism for the Future

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How to Fund Your Fabulous Gay Retirement | Queer Money Ep. 551 Oct 17, 2024

How will you fund your fabulous retirement?

Pensions are rare, Social Security isn’t enough, and retirement accounts are small. Let’s talk about how to fund your fabulous gay retirement.

In this Queer Money, we share a new tool that we are working on, which we will eventually share with folks in our Fabulous Gay Retirement Club. More to come on that soon. We use this tool as a way to determine who/what income streams we will use to fund our retirement. We think everyone will need more than one, especially if the primary is Social Security.

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How Turning Your Business into a Co-Op Helps LGBTQ Workers | Queer Money Ep. 550 Oct 15, 2024

Can a Co-op business model help your business grow?

Episode 550 of the Queer Money podcast features guest Annie Winkler discussing the benefits of employee ownership in businesses. Annie explains how becoming part-owner of a company can lead to increased productivity, job satisfaction, and the establishment of LGBTQ generational wealth. They recount their experience transitioning Real Pickles into a worker-owned cooperative and delve into the impacts of democratic member control in co-ops versus ESOPs. The episode highlights the advantages for both business owners considering succession planning and employees seeking greater investment in their workplace.

Topics Covered

00:00 Introduction to Bare Minimum Mondays and Lazy Fridays
00:10 The Concept of Employee Ownership
00:28 Introducing Annie Winkler and Queerness in Business
00:53 Welcome to the Queer Money Podcast
01:52 Discussion on Pronouns and Non-Binary Identity
02:30 Exploring Employee Stock Purchase Plans
02:53 Challenges Faced by Employees Today
04:41 The Impact of Baby Boomers on the Economy
05:23 Statistics on Baby Boomers and Retirement
06:47 The Role of Wealth and Power in Employment
07:43 Annie Winkler's Journey to Employee Ownership
08:40 The Real Pickles Cooperative Experience
12:08 The Benefits of Worker-Owned Cooperatives
17:07 Comparing ESOPs and Worker Co-ops
20:25 Challenges and Benefits of Employee Ownership
26:09 Legacy Planning for Business Owners
29:57 Introduction to ESOPs
30:29 Trust and Control in ESOPs
31:41 Ownership and Leadership Transitions
32:57 Optimal Company Size for ESOPs and Co-ops
34:27 Financial Considerations and Valuation
35:41 Starting the Transition to Employee Ownership
41:53 Generational Wealth and Queer Community
48:03 VEOC and Employee Ownership Support
50:36 Dragon Boat Team and Personal Joys
52:35 Conclusion and Resources

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How Much You Need to Retire Fabulously? | Queer Money Ep. 549 Oct 10, 2024

What will a fabulous retirement cost me?

Many of us fear retirement because we don’t know what it’ll cost us. Let’s discuss how much you need to retire fabulously these days.

In this episode, John and David break down what it will take for them to fund a basic, happy and fabulous retirement.

For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe

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What You Need to Know about ABLE Accounts | Queer Money Ep. 548 Oct 08, 2024

What are ABLE accounts and how can they help disabled folks save money?

On episode 548 of the Queer Money Podcast, hosts John and David welcome back Brynn Conroy, founder of Femme Frugality and Disability Finance. They discuss the challenges Americans face in qualifying for social security disability benefits and how the system often forces poverty. Conroy delves into the details of ABLE accounts, designed to help those with disabilities achieve a better quality of life by offering tax advantages and allowing savings without jeopardizing benefits like SSI and SSDI. The conversation also touches on the impact of ableism in the workplace, systemic issues, and how the pandemic has strained systems for people with disabilities. Conroy provides insights from her lived experience and emphasizes the importance of financial education and legislative advocacy for improving disability finance.

Topics Discussed

00:00 Introduction to Social Security Disability Benefits
00:46 Welcome to Queer Money Podcast
01:45 Introducing Brynn Conroy and Disability Finance
04:47 Challenges Faced by Disabled Individuals
06:56 Understanding Disability Definitions and Models
19:15 Income and Asset Restrictions for Disabled Individuals
23:30 Political and Social Issues Surrounding Disability
26:37 The Impact of ADAPT on Disability Laws
27:13 Understanding ABLE Accounts
29:04 ABLE Accounts and Inheritance
29:58 Medicaid Payback and Trusts
31:20 Housing Benefits of ABLE Accounts
31:58 Challenges and Resources for Disability Finance
35:51 Expanding Eligibility for ABLE Accounts
37:49 Disability in the Queer Community
42:23 Real-Life Benefits of ABLE Accounts
45:26 How to Open an ABLE Account
47:42 Global Perspectives on Disability
49:33 Final Thoughts and Resources

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Here’s What Your Fabulous Gay Retirement Looks Like | Queer Money Ep. 547 Oct 03, 2024

What do you want your fabulous retirement to look like?

The reality is that each of us has a different picture in mind when we think about what a fabulous retirement looks like. For that reason cookie-cutter retirement plans that may or may not work for our straight friends probably will not work for us.

So how do you know what will work for you?

Today we introduce step 1 in the retirement planning process that we recommend to all our clients. Since this episode does have some visual aids, we suggest you also check out the video recording of this episode on YouTube here.

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12 Sources of Income in Retirement | Queer Money Ep. 546 Oct 01, 2024

How will you fund your fabulous retirement?

In this episode of Queer Money, David and John address the tough reality that many LGBTQ+ individuals feel uncertain about their retirement preparedness. They discuss the concerning statistics of 64% of LGBTQ+ individuals not being on track or unsure about their retirement plans. So they’ve outlined 12 potential income sources to help secure a comfortable retirement. The episode covers social security, employer-sponsored retirement plans like 401k, annuities, real estate investments, small businesses, and other financial strategies. Emphasis is placed on the importance of diversified income streams and financial planning to achieve a 'fabulous' retirement. Additionally, the hosts offer practical advice and insights on how to tap into these income sources while considering factors like inflation, market performance, and individual control over investments.

Topics Covered

00:00 Introduction: LGBTQ Retirement Concerns
00:56 Queer Money Podcast Overview
01:25 Community Poll Insights
01:54 Importance of Multiple Income Sources
02:27 Source 1: Social Security
04:25 Source 2: Employer-Sponsored Retirement Plans
06:44 Source 3: Pensions
09:33 Source 4: Annuities
12:37 Source 5: Real Estate Income
14:37 Source 6: Life Insurance
16:50 Source 7: Taxable Investments
18:49 Source 8: Part-Time Work in Retirement
20:08 Source 9: Paid-Off House
22:52 Source 10: Small Business Income
24:39 Source 11: Inheritance
26:36 Source 12: Health Savings Account (HSA) Withdrawals
27:30 Conclusion: Planning for a Fabulous Retirement

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3 Reasons Gays Can't Save for Retirement - Part 2 | Queer Money Ep. 545 Sep 26, 2024

Why can't gays save for retirement?

Last week we dug into 3 systemic reasons that many gays are not able to save for retirement. This week we share 3 more reasons, but these are a bit closer to home and are affected by our own decisions.

Let us know if you feel any of these are things you too have struggled with like we did early on in our retirement saving journey.

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How to Successfully Be Out at Work | Queer Money Ep. 544 Sep 24, 2024

Can you be out at work and be successful?

In this episode of Queer Money, David and John are joined by LinkedIn's career expert Andrew McCaskill. The discussion centers around a recent Forbes report stating that 60% of U.S. workers hide their true selves at work, and a LinkedIn survey revealing only 35% of queer professionals feel safe being out at work. McCaskill provides insights into the complexities faced by LGBTQ+ employees, the importance of authenticity, and how companies can foster inclusive environments. He also shares strategies for queer professionals to navigate their careers, leverage professional networks, and identify inclusive workplaces. Listeners are encouraged to embrace their true selves and seek out supportive professional communities.

Topics Covered in How to Successfully Be Out at Work

00:00 Introduction: The Hidden Self at Work
00:23 Meet Andrew McCaskill: LinkedIn's Career Expert
01:45 The Reality of Being Out at Work
05:18 Challenges and Misconceptions
06:52 The Importance of Authenticity
10:09 Corporate Support and Representation
22:24 Personal Stories and Experiences
27:18 The Impact of Being Out at Work
28:48 Understanding Cascading Homophobia
30:12 Building a Professional Community
30:50 Leveraging LinkedIn for Career Advancement
32:52 The Importance of Transparency and Vulnerability
38:13 Identifying Safe Work Environments
43:33 Accessing the Out at Work Guide
45:23 Final Thoughts and Resources

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Why Gay’s Can't Save for Retirement Part 1 | Queer Money Ep. 543 Sep 19, 2024

Why can't gays seem to save for retirement?

You’re not imagining it. Forces are working against your best interest.

This is Queer Money episode 543 and today we're kicking off part 1 of a 2 parter addressing some reasons why gays can’t save for retirement.

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What Is the Financial Impact of Having HIV | Queer Money Ep. 542 Sep 17, 2024

How does having HIV or AIDS impact your finances?

In this episode of the Queer Money Podcast, hosts David and John explore the financial impact of living with HIV with Dr. Lorraine Dean, an associate professor of epidemiology at Johns Hopkins University.

Dr. Dean shares findings from her studies, highlighting the economic challenges faced by those diagnosed with HIV, such as additional healthcare costs, loss of employment, and lack of financial planning among those who expected shorter lifespans.

The discussion also covers the benefits of PrEP in preventing HIV and reducing future financial burdens. The episode emphasizes the need for universal healthcare and policy changes to support those living with chronic conditions, as well as the importance of addressing broader economic and social issues affecting the LGBTQ+ community.

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How This Gay Couple Is Winning at Retirement | Queer Money Ep. 541 Sep 12, 2024

How we started to win at retirement.

Less than 20 years ago, we had a negative net worth because of our $51k in credit card debt. Today, we have over $1MM in retirement savings.

How did we make that transformation?

This is Queer Money episode #541, and today we’re sharing how we went from buried in debt and living in a basement apartment to serial entrepreneurs w/a $1.3MM net worth for our “How Gays Retire Fabulously” bonus series. Now, on with the show.

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The Triple Superpower of HSA Accounts | Queer Money Ep. 540 Sep 10, 2024

Understanding the Benefits of HSAs for Healthcare Savings

In episode 540 of the Queer Money Podcast, David and John discuss how Health Savings Accounts (HSAs) can help save money on healthcare costs. They provide a detailed explanation of what HSAs are, their benefits, and how they can reduce healthcare costs. Key topics include the tax advantages of HSAs, portability of accounts, who qualifies for HSAs, and how to open one. They also cover specific costs that can be paid using HSAs and give examples of their personal experiences with healthcare expenses.

Additionally, upcoming podcast topics and resources were mentioned, such as the financial impact of HIV and retirement planning for LGBTQ individuals.

Topics Covered

00:00 Dramatic Opening: Stop the Insanity
00:12 Introduction to Queer Money Podcast
01:58 Understanding Health Savings Accounts (HSAs)
04:54 Eligibility and Qualifying for an HSA
08:30 Contributions and Covered Expenses
11:29 Tax Advantages and Retirement Benefits
13:53 Where to Open an HSA Account

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Are Gays Losing at Retirement? | Queer Money Ep. 539 Sep 05, 2024

Are Gays Losing at Retirement?

Data suggests that the LGBTQ+ community is falling further and further behind the general population when it comes to retirement planning and saving for the future, yet as a community, we are seeing more of us close the wage gap.

What can we do to better prepare for and win at retirement?

This is Queer Money episode 539 and this week we are kicking off a new series focused on helping you retire fabulously, whether that be 5 years or 55 years away.

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How to Break Free from Financial Fawning | Queer Money Ep. 538 Sep 03, 2024

What is financial fawning and why do I need to be cautious about it?

In this episode of the Queer Money® Podcast, David and John share a personal story of feeling compelled to make a significant donation despite financial constraints. The story leads the two into an interview with writer and personal finance educator Jackie Lam, who discusses the challenges of balancing financial expectations, and community and family obligations with personal financial goals. The three discuss the concept of 'financial fawning,' setting boundaries for charitable giving, and creating a budget that accommodates both planned and spontaneous generosity. Jackie also shares her personal journey of addressing cultural and familial pressures while working towards her goal of semi-retirement in her 50s.

Topics Covered on financial fawning

A Night at the LGBTQ Event
Introducing Jackie Lam
The Pressure to Help Family
Cultural and Familial Expectations
Financial Fawning and Personal Boundaries
Balancing Generosity and Financial Goals
The Invisible Pain of Financial Struggles
Personal Finance and Hidden Wealth
Understanding Financial Anxiety
Generosity and Financial Boundaries
Planned and Spontaneous Giving
Community and Personal Joy
Conclusion and Contact Information

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7 Most Affordable and Diverse Cities for Queer People | Queer Money Ep. 537 Aug 29, 2024

Diversity is the spice of life and makes our cities better!

But what are the best cities that are both diverse when it comes to race, age, income and levels of education?

This is Queer Money episode 537, and today we're breaking the top 7 most diverse cities for queer folks.

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How to Make More Money with Your MBA | Queer Money Ep. 536 Aug 27, 2024

Want to make even more out of your MBA?

In this episode of Queer Money, David and John welcome Aidan Currie, Executive Director of Reaching Out MBA (ROMBA), to discuss how their organization supports LGBTQ+ MBA students and professionals. Reaching Out MBA is dedicated to empowering LGBTQ+ individuals through networking opportunities, such as their annual ROMBA conference, which boasts a high success rate for job and internship placements.

The episode explores the importance of networking, the changing office culture post-pandemic, and how ROMBA fosters a supportive environment for career growth. Additionally, David, John, and Aidan delve into events like the Out Women in Business conference and the PRISM program for experienced professionals, emphasizing the value of building a strong queer professional network.

Topics Covered

00:00 Introduction: Unlocking Career Potential
01:44 Guest Introduction: Aidan Curry from Reaching Out MBA
02:49 The Power of Networking and Conferences
03:15 Navigating the Post-Pandemic Work Environment
05:40 The Importance of In-Person Connections
09:32 Unique Value of Queer Networking
16:50 Reaching Out MBA: Programs and Opportunities
21:52 PRISM: A New Initiative for Experienced Professionals
23:56 Personal Stories and Career Advice
34:46 Conclusion and Contact Information

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7 Most Affordable LGBTQ+ Friendly Cities for Young Professionals | Queer Money Ep. 535 Aug 22, 2024

Are you a queer young professional looking for a great city for your career and lifestyle?

Want your career to take off? Want to be in a city that both has it for your career and has if for your community?

This is Queer Money episode 535, and today we're breaking the top 7 best places for young LGBTQ+ professionals.

Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here.
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Don't miss the other states we've covered in this Gay Cities series

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How Dapper Boi Became a Multimillion-Dollar Brand | Queer Money Ep. 534 Aug 20, 2024

How do you turn your passion into a million dollar brand?

In this episode of the Queer Money Podcast, David and John talk with Charisse and Vicky Pasches, founders of the all gender fashion brand Dapper Boi. The guests share their journey from identifying a problem in finding fitting and inclusive clothing to creating their own solution with an all-gender, size-inclusive fashion line.

Highlighting appearances on shows like Shark Tank and CBS Morning Show, Charisse and Vicky discuss the mission of Dapper Boi, overcoming challenges such as lack of industry background and financial hurdles, and the impact of fostering inclusivity in fashion.

They also delve into personal stories, including their efforts in bootstrapping the company, the sacrifices made such as selling their home, and the important role of confidence and authenticity in building their business. The episode is a blend of entrepreneurial insights, personal anecdotes, and inspirational achievements in the quest to revolutionize the fashion industry.

Topics Covered

Introduction to Charisse and Vicky Pasches
Meet the Founders of Dapper Boi
The Mission of Dapper Boi
Challenges in the Fashion Industry
Kickstarting the Dream
Personal Sacrifices and Commitment
Impact and Customer Stories
Fundraising Challenges and Strategies
Crowdfunding Success and Investor Lessons
Facing Bias and Finding Authentic Connections
Financial Realities of Running a Business
Navigating Investor Relationships
Personal Reflections and Future Goals
Closing Thoughts and Social Media

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10 Most Affordable LGBTQ+ Friendly Cities for Renters | Queer Money Ep. 533 Aug 15, 2024

What are the most affordable LGBTQ+-friendly cities for renters?

More and more of us are living a mobile life. We want the flexibility to live and work in places that make us happy and can help our careers. For many this means having very few attachements like a mortgage and a house.

If you're living a mobile and flexible lifestyle, but also want to watch your budget to save for things like travel, life events or for a down payment for a future home, we've got you covered.

This is Queer Money episode 533, and today we're breaking the top 10 best places for LGBTQ+ renters.

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How the Biden-Harris Administration Is Lowering Costs for Americans | Queer Money Ep. 532 Aug 13, 2024

Can the government really affect prices on everyday products we buy?

In this episode of Queer Money, we talk with Heather Boushey, one of three members of President Biden's Council of Economic Advisors and Chief Economist for the Investing in America Cabinet. This episode focused on the state of the economy and how the Biden administration plans to tackle rising costs across the board for all Americans.

Boushey offers her perspective on the state of the economy during the pandemic and the recovery that followed. She emphasizes the administration’s focus on creating good jobs and ensuring that markets are fair and competitive, highlighting the importance of growing the economy from the middle out.

She addresses concerns about the cost of housing, especially for millennials and Gen Z, outlining the administration's plan to create more affordable housing options. Boushey also discusses the Biden administration’s efforts to lower healthcare costs, especially for older Americans, by capping insulin costs and negotiating drug prices.

The episode also explores the rising costs of education and the administration’s commitment to tackling student loan debt. Boushey shares her own experiences of receiving gratitude from people who have benefited from student loan forgiveness programs.

Throughout the conversation, Boushey emphasizes the importance of democracy and the challenges of implementing economic policy. She concludes by sharing her optimism about the potential for positive change and the importance of working together to create a more equitable and prosperous future.

Topics Covered

State of the economy during and after the pandemic
The Biden administration’s economic agenda
The importance of creating good jobs and fair markets
Affordable housing initiatives for millennials and Gen Z
Efforts to lower healthcare costs, especially for older Americans
Addressing the rising costs of education and student loan debt
The challenges of implementing economic policy in a democracy
The importance of working together for a more equitable future

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10 Most Affordable LGBTQ+ Friendly Cities for Homebuyers | Queer Money Ep. 531 Aug 08, 2024

What are the most affordable LGBTQ+-friendly cities for new home buyers?

If you're a queer person looking to buy a home, you're probably in the same boat as many other Americans in that the cost of homes has skyrocketed past what many of us can afford.

So are there any cities that are both LGBTQ+ friendly and have home prices within reach for the average income earner?

This is Queer Money episode 531, and today we're breaking the top 10 best places for LGBTQ+ homebuyers

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Why & How I Started Planning for Retirement in My 20s | Queer Money Ep. 530 Aug 06, 2024

When should you start saving for retirement?

On this episode of the Queer Money Podcast, we talk with Michael Kim who shares his story of planning for retirement early so he can reach his goal of retiring by age 55. This episode touches on the importance of self-reflection to determine what you want and how you can use that knowledge to help plan for your retirement.

Michael's motivation for early financial independence stemmed from his childhood anxieties about financial security and fear of not being accepted by his family due to his sexuality. He shares that knowing that he is judged by some people simply for being who he is has been a blessing in the sense that it has liberated him to focus on what he wants in life, regardless of what other people think.

Some of Michael’s tips include creating a ‘vanilla’ goal (realistic) as well as a more ambitious goal (dream) goal, four steps to plan for an early retirement, and a 50/50 investment mix of safe and risky investments. He also shares 3 steps to achieving any financial goal.

Topics Covered

Early retirement planning
The impact of childhood financial experiences on adult financial behavior
Financial challenges faced by LGBTQ+ individuals
The role of fear and anxiety in financial decision-making
Goal setting and financial independence
The importance of financial literacy
Investment strategies (passive investing and stock options trading)
Budgeting and saving money
Lifestyle choices and financial well-being
Overcoming societal-pressures in financial decision-making
The importance of personalized financial planning
Michael’s four steps to plan for early retirement
How to estimate your expected income during retirement (rental income, business income, investment income, etc.)
Calculate your expected expenses during retirement (likely lower than current expenses)
Determining the gap between income and expenses in retirement
Calculating how much you need to save to cover the gap until the end of your life
Michael shares his personal investment strategy, which uses a 50/50 approach.
Passive investing in ETFs and broad market funds for a safe and easy approach
Stock options trading for a higher potential return with higher risk (requires advanced knowledge and a coach)
Michael also shares his 3 steps to achieving any financial goal
Michael’s advice for those in their 50’s who haven’t planned for retirement.
How being nomadic has helped Michael’s health, business, and finances.
How Michael reducing travel costs with geographic arbitrage and slow traveling.
Habits that contribute to achieving financial goals. Prioritizing experiences over expensive possessions.

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12 Best Countries for LGBTQ People | Queer Money Ep. 529 Aug 01, 2024

What are the best countries for LGBTQ+ folks?

We've received a lot of feedback on our Affordable LGBTQ+ Friendly Cities series. One of the most common requests is for us to look at cities outside the United States. So, we're going to kick that part of the series off with taking a look at the best countries for LGBTQ+ folks based on acceptance and legal protections.

This is Queer Money episode 529, and today we're looking at 12 countries that are the best for LGBTQ+ folks.

Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here.
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The Economic State of the Transgender Community | Queer Money Ep. 528 Jul 30, 2024

What is the current economic state of the transgender community?

First and foremost, transgender individuals are concerned for their safety. And sometimes finances take a back seat to survival. But being fiscally secure affords you the opportunity to protect yourself and your community. So, what is the economic state of the trans community? What can transgender individuals do to earn more—without having to hide who they are?

K. Kenneth Davis is the creator of The Trans Capitalist, a platform that educates and empowers the LGBTQ+ community with the goal of dismantling systemic poverty and economic discrimination. A proud Black transgender financial literacy advocate and certified data scientist, Kenneth landed a spot on the Forbes List of Top Trans Entrepreneurs.

On this episode of Queer Money®, Kenneth joins us to share an overview of the financial state of the trans community and discuss how their sense of wellbeing has evolved over the last decade. Kenneth explains how gatekeeping and lack of access to education affect trans people’s earning power and offers solutions for lowering poverty rates and increasing incomes for the transgender community.

Listen in for Kenneth’s insight on trans discrimination in financial services and learn how to leverage financial literacy and certificate programs to achieve financial security as an LGBTQ+ individual.

Topics Covered on the economic state of the transgender community

How receptive the trans community has been to Kenneth’s work in personal finance
Why it’s crucial for our community to take our finances as seriously as the other issues we face
Kenneth’s overview of the financial state of the trans community right now
How the general sense of wellbeing among the trans community has changed in the last decade
Kenneth’s take on what’s behind the anti-trans legislation promoted by the far-right
Where the majority of trans people live in the US (and why so many live in the South and Midwest)
Kenneth’s take on the NBC News article on finding community in red states
How lack of access to education and gatekeeping affect trans people’s earning power
Why it’s more challenging for trans folks to get an ROI on higher education
Kenneth’s solutions for lowering poverty rates and increasing incomes for trans people
Why trans people of color experience greater wage disparity than other demographics
How data on the LGBTQ+ community might be skewed because respondents tend to be younger
Kenneth’s experience with discrimination in financial services as a trans individual
The link between gender-affirming care and the mental health of the transgender community
Why the percentage of trans people who earn $100K is higher than the general population

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7 Most Affordable, LGBTQ-friendly College Towns | Queer Money Ep. 527 Jul 25, 2024

What are the most affordable LGBTQ+-friendly college towns?

When we talk about affordable LGBTQ+-friendly cities across the U.S., we often highlight many larger cities, but we don't talk much about college towns and one of you requested a list of these places.

Since many college towns are small towns and cities there generally isn't much data on LGBTQ+ friendliness of these locations. So we did a bit of digging and found colleges that are in cities and towns that are on the HRC Municipal Equality Index as well as cities and towns that rank high on bestcollegereviews.org and collegevaluesonline.com.

This is Queer Money episode 527, and today we're breaking down 7 college towns or cities that are both affordable and LGBTQ+ friendly.

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10 Best Retirement Side Gigs | Queer Money Ep. 526 Jul 23, 2024

What are the best retirement side gigs?

Spending our days on the links or knocking back a few electric lemonades on the front porch is not the retirement reality for a lot of LGBTQ+ Americans. With the growing retirement crisis hurting marginalized communities more, many must still work in retirement. So, what can you do if this applies to you?

On this episode of Queer Money®, we’re sharing the top ten side gigs or part-time jobs you might take on in retirement. We explain how working in retirement affects Social Security benefits and discuss how much you can earn as a pet sitter, rideshare driver or vending machine investor. We also describe opportunities to supplement your retirement income as an online teacher, handyman or fitness instructor.

Listen in for insight on leveraging your professional expertise as a consultant and get ideas for the retirement side gig that’s a good fit for you!

Topics Covered on retirement side gigs

Why LGBTQ+ individuals may need to work in retirement
How working a side gig or part-time job affects Social Security benefits
The 10 leading side gigs for seniors to earn extra income in retirement
How much you can earn as a pet sitter or dog walker
Why you might enjoy house sitting as a side hustle in retirement
How to build a business in the $40B/year storage industry
Making extra money as an Uber, ZipRecruiter or Lyft driver
Opportunities to supplement retirement income as an online teacher
How much you can earn by providing handyman services
Who’s a good fit for a side gig as a fitness instructor or personal trainer
Why consulting is an ideal side hustle for some retired professionals
How to earn retirement income by flipping products online
Making passive income as a vending machine investor

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Top 7 Most Affordable LGBTQ Friendly Cities in the Sun Belt - Queer Money Ep. 525 Jul 18, 2024

What are the most affordable LGBTQ+-friendly cities in the Sunbelt?

When we talk about affordable LGBTQ+-friendly cities across the U.S., we often highlight many cities in the Midwest or East. This is often because these cities are not currently seeing as much population growth as many cities in the Sunbelt or on the coasts.

Many of you have said that you'd like to see a list of cities in warmer climates.

This is Queer Money episode 525, and today we're breaking down 7 cities that are both affordable and LGBTQ+ friendly in the Sunbelt.

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Why are Home Prices So Damn High? - Queer Money Ep. 524 Jul 16, 2024

What’s behind the housing affordability crisis in America?

Real estate prices are off the charts, and unless you happen to be a high-net-worth individual, it’s nearly impossible to buy a home right now.

So, WTF is going on? Is there anything we can do about it?

Angela Rozmyn is the cocreator of Women’s Personal Finance, a platform that provides empowering financial education for women and nonbinary people.

She is also a passionate advocate for affordable, sustainable housing, working a day job for a company that builds LEED Platinum real estate projects.

On this episode of Queer Money, Angela joins us to discuss the myriad reasons for the housing affordability crisis in America.

Angela explains why the supply of homes has not kept up with demand, how interest rates impact housing costs, and what’s behind the NIMBY attitudes that drive real estate prices up.

Listen in to understand how it impacts a community when its service workers can’t afford to live where they work and find out what you can do to advocate for affordable housing in your city.

Topics Covered

What makes Angela an expert in the realm of affordable housing issues
Why it’s important to consider transportation costs as part of your housing expenses
How it impacts our communities when service workers can’t afford to live where they work
Who benefits from increasing home prices and who does not
6 reasons for the housing affordability crisis in America
Why the supply of homes has not kept up with demand in the US
How interest rates, permitting issues, labor costs and zoning affect real estate prices
Why developers aren’t building starter homes anymore
What’s behind NIMBY attitudes in the US and how they impact housing costs
The advantages of adaptive reuse, i.e.: turning vacant commercial buildings into affordable housing
Angela’s take on investors who bought up SFHs during the Great Recession
Why people are migrating to high-density cities in the Sunbelt (and what to consider before you join them)
Providing affordable housing for the growing number of single occupants
What you can do to advocate for affordable housing in your community

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7 Reasons Why LGBTQ Folks Move to Red States | Queer Money Ep. 523 Jul 11, 2024

"Ewwww, I'd never live there"
"WTF, that's a horrible place to live"
"No way in hell!"

These are just a few of the comments we've gotten when we've highlighted blue cities in red states that are both affordable and LGBTQ+ friendly.

So, why would someone choose to stay in or move to a red state?

This is Queer Money episode 523, and today we're breaking down seven reasons that many LGBTQ+ folks and our allies have decided to either stay in or move to red states. With this episode, we hope to respond to the "gayla gays," gay-listers," and elitist folks in our community who deem many of these places as "unworthy" without considering some very real and very valid reasons queer folks live in these states.

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How Project 2025 Will End LGBTQ+ Rights | Queer Money Ep. 522 Jul 09, 2024

Regular listeners of Queer Money are familiar with the way Kingdom Advisors uses donor-advised funds to finance the anti-LGBTQ industrial complex.

But right-wing extremists haven’t stopped there.

Today, radical conservative influencers and organizations are working with the Heritage Foundation to design Project 2025, a blueprint that seeks to eliminate the rights of LGBTQ+ people, women and immigrants, effectively creating a church state in the US.

David Roth is a Democrat running for the US House of Representatives and the first openly gay candidate for the state of Idaho. He also happens to be an expert on Project 2025.

On this episode of Queer Money, David joins us to explain how Project 2025 will impact the country as a whole and the queer community specifically.

David discusses why it’s crucial for the LGBTQ+ community to get involved in the political process, describing what Democrats are doing to fight Project 2025—and why it’s not enough.

Listen in to understand the financial implications for our community should Project 2025 succeed and learn what we can do as individuals and collectively to maintain the rights we’ve won.

Topics Covered

How Project 2025 aims to reform our democracy into an authoritarian state
Why Project 2025 will be difficult to stop with a far-right Republican president
How Project 2025 will impact the country as a whole and the queer community specifically
Why we need to be financially prepared for challenging times should Project 2025 succeed
Why it’s crucial for the LGBTQ+ community to get involved in the political process
The danger in opting out of voting in this year’s presidential election
What Democrats are doing to fight against Project 2025 (and why it’s not enough)
How the queer community might take collective action to maintain the rights we’ve won
The importance of normalizing LGBTQ+ individuals running for office
What we can do as individuals to pushback against the aims of Project 2025

For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe

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7 Most Affordable and Friendly Cities for LGBTQ Families | Queer Money Ep. 521 Jul 04, 2024

Are you an LGBTQ+ person with children? How about a parent with LGBTQ+ kids? Or maybe you want to start a family as a queer person.

This is Queer Money episode #521. Today, we’re diving into the top 7 most affordable LGBTQ+ friendly cities for queer folks who want to or have children or parents who have LGBTQ+ children.

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How to Retire Often with Jillian Johnsrud | Queer Money Ep. 520 Jul 02, 2024

Are you postponing your personal goals and dreams until you turn 65?

What if you don’t have to wait until retirement to travel, write your memoir, or pursue a hobby you love?

What if you could take several mini-retirements throughout your career and achieve some of those ambitions along the way?

Jillian Johnsrud is the creator of Retire Often, a platform that helps people take a series of successful sabbaticals throughout their careers.

Jillian reached financial independence at age 32 and has since traveled to 27 countries with her family. She is also the author of Fire the Haters and host of the Retire Often podcast.

On this episode of Queer Money®, Jillian joins us to explain why it’s challenging to achieve our personal goals on nights and weekends and explore what you might do on a sabbatical from work. Jillian discusses the pros and cons of taking mini-retirements and describes how to plan for the financial and emotional aspects of taking a break from work.

Listen in for insight on negotiating a month off without leaving your current job and learn how to build a meaningful, fulfilling life by retiring often!

Topics Covered

What it means to retire often and why Jillian is an advocate for it
Why it’s challenging to achieve our personal goals on nights and weekends
How Jillian took a dozen mini-retirements in the last 20 years
Examples of the things you might do on a sabbatical from work
How a mini-retirement can help you recover from or prevent burnout
When taking a sabbatical can be a difficult transition for people
How to plan for the financial and emotional aspects of taking a break from work
How to retire often without hiccups in contributing to your 401(k)
How a mini-retirement can be more affordable than multiple vacations
Tips for people who want to take a mini-retirement without leaving their job
How to negotiate a month off in a way that gets your boss on board
What to do if you feel too important/not important enough to take time off

For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe

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Top 7 Most Affordable LGBTQ+ Friendly Cities for Outdoor Activities | Queer Money Ep. 519 Jun 27, 2024

Do you love the outdoors? Are you into hiking, biking or spending time in your local parks? If so then this Queer Money is for you.

This week we're taking a request from one of our YouTube viewers who asked for a list of LGBTQ friendly cities for outdoor life, so we're delivering.

This is Queer Money episode #519. Today, we’re diving into the top 7 most affordable LGBTQ+ friendly cities for folks who love the outdoors.

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How Mmmly Cookies Launched | Queer Money Ep. 518 Jun 25, 2024

Many of us in the LGBTQ community were bullied as kids for being different. But few of us leverage those experiences as inspiration to launch a cookie company!

Nicholas Naclerio turned to food for comfort when he was bullied for being gay. But when he turned 18, Nick got healthy and decided to use food as a form of self-expression and healing; to transform his pain into something good.

Today, Nick is Founder and CEO at Mmmly, the good-for-you cookie brand that leverages nutrient-dense ingredients to make delicious, indulgent cookies with health benefits.

On this episode of Queer Money, Nick joins us to describe how building Mmmly helped him heal from childhood trauma and share the creative aspects of building a business he loves most.

Nick discusses how he used a combination of bootstrapping and investor money to fund Mmmly, explaining what it means that the ‘entrepreneur eats last’ and how that can become a problem.

Listen in for Nick’s advice to other queer entrepreneurs and learn how to build a successful consumer brand—without losing yourself in the process!

Topics Covered

How Nick turned to food for comfort when he was bullied for being gay
How Nick’s love of comfort food inspired his mission to create a healthy indulgence
What makes Mmmly the good-for-you cookie brand (and why other brands don’t use healthier ingredients)
How building Mmmly helped Nick heal from his childhood trauma
What Nick loves most about the creative aspects of building a business
What the recipe development process is like and how Nick knew when a cookie was ready for production
How Nick used a combination of bootstrapping and investor money to fund Mmmly
What it means that the ‘entrepreneur eats last’ and how that can be a problem
Why Nick is merging Mmmly with another company and what that means for his investors
How it works when a small consumer brand is on the shelves at a major retailer
What Nick might have done differently to deal with narrow margins early on
Nick’s advice for LGBTQ entrepreneurs on creating a network of support and not losing yourself in the process of building a company

For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe

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Top 10 Most Affordable Transgender Friendly Cities | Queer Money Ep. 517 Jun 20, 2024

The transgender community has taken the brunt of most of the anti-LGBTQ legislation that is being proposed and passed in the Christian Industrial Complex's attacks on the LGBTQ community recently.

So where are safe places that are also affordable for the trans community in the US?

This is Queer Money episode #517. Today, we’re diving into the top 10 most affordable transgender-friendly cities.

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Money Secrets of the Uber Rich | Queer Money Ep. 516 Jun 18, 2024

Curious how the uber-rich protect their wealth?

If you knew the secrets of ultra-high-net-worth individuals (UHNWIs), could you leverage their approach to money management to grow your own wealth?

Tim Volk, CFP, is Founder and Principal at T. Volk & Company Consulting, a boutique financial advisory firm that serves ultra-high-net-worth families. He also hosts The

Rainbow Bull Podcast.

On this episode of Queer Money, Tim joins us to share the secrets of the uber-rich, describing what UHNWIs do to transfer and mitigate risk.

Tim explains how the uber-rich think about money in the long-term and challenges the LGBTQ+ community to adopt a future-self approach to spending.

Listen in for insight on raising kids who don’t feel entitled and learn what you can do to join the ranks of the emerging affluent or uber-rich.

Topics Covered

How wealth managers define ultra-high-net-worth individuals
What we can learn about the complexities of wealth from Crazy Rich Asians
The differences between families of UHNWI and the LGBTQ+ community
Why the queer community isn’t saving enough for retirement
How Tim helps the emerging affluent manage capital through a family office
How ultra-high-net-worth families transfer and mitigate risk
Why Tim suggests choosing a life insurance policy with long-term care benefits
How celebrities and the uber-rich aren’t immune to lifestyle creep
What we can do to avoid raising entitled kids at any socio-economic status
Tim’s future self approach to thinking about money in the long-term
The lasting impact of a financially empowered gay community
Tim’s advice on what you and I can do to become ultra-high-net-worth
Tim’s challenge to focus on spending to bring joy to yourself and others
How to deal with the dating dynamics of financial inequality
Why it’s crucial for the LGBTQ+ community to stick together

For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe

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Top 5 Most Expensive LGBTQ Friendly Cities | Queer Money Ep. 515 Jun 13, 2024

“Why is it so expensive to be gay?” A common sentiment that we hear from many in the LGBTQ+ community. Much of that has to do with where we choose or end up living since housing costs for many make up anywhere between thirty to fifty percent of their take home pay.

If you’re one of the few LGBTQ folks with lots of cash, these are the top 5 most expensive cities for you to check out. If you don't have the cash, these could be cities to either aspire to live in or to avoid for your financial and mental health.

This is Queer Money episode #515. Today, we’re diving into the top 5 most expensive cities for LGBTQ+ folks.

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Healing Your Money Story | Queer Money Ep. 514 Jun 11, 2024

We all have a money story. And for many of us in the LGBTQ community, it’s a negative narrative.

Maybe you were taught that money is the root of all evil. That there’s never enough to go around. Or that you have to work hard to make money.

Worse yet, you may believe that you don’t deserve financial stability, let alone financial freedom.

So, what can we do to recover from the childhood traumas that are affecting our money today?

Scott Clover is an intuitive guide who helps people release old patterns and heal themselves using skilled intuition, body energy and somatic technologies.

On this episode of Queer Money, Scott joins us to discuss the most common patterns and behaviors exhibited by individuals with financial trauma.

Scott explains how being queer might influence your relationship with money and describes how releasing internalized shame leads to better financial decisions.

Listen in for Scott’s insight on using money in a way that strengthens your self-worth and learn how to rewrite your money story and start building an affirming relationship with your finances today!

Topics Covered

How Scott defines intuitive healing and how it helps you change your behavior
The reciprocity mindset you need to achieve financial stability
Why accepting your existing financial reality is the first step to building an affirming relationship with money
The most common patterns and behaviors exhibited by individuals with financial trauma
How being part of the LGBTQ community might influence your relationship with money
How to tell if past trauma is affecting your finances as an adult
The power of releasing internalized shame and family expectations
How comparing ourselves with others on social media keeps us stuck in judgement (and what to do about it)
Breaking the stereotypes of what queer people are supposed to do, e.g.: stereotypical careers
How to use money in a way that builds your self-worth
How incorporating esteemable acts into our daily lives improves our wellbeing
Why you might consider energy healing if traditional therapy doesn’t work for you

For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe

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Top 10 Most Affordable, Gay Retirement Cities| Queer Money Ep. 513 Jun 06, 2024

Where can I retire that is both affordable and LGBTQ friendly?

We get this question a lot, especially as comments on our Affordable LGBTQ+ Friendly Cities series content.

This is Queer Money episode #513. Today, we’re diving into the top 10 most affordable retirement locations for LGBTQ+ folks.

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What You Can Do about America's Retirement Crisis | Queer Money Ep. 512 Jun 04, 2024

40 years ago, the US changed its approach to retirement.

But those changes shifted the risk from the government and corporations to individuals. And now, nearly half of middle-class retirees will be downwardly mobile into poverty or near-poverty in their golden years.

So, what can we do to solve the retirement crisis in America?

Teresa Ghilarducci is the nationally recognized labor economist behind the new book, Work, Retire, Repeat.

After an illustrious 25-year tenure at Notre Dame, Teresa joined the New School for Social Research in 2008. She has spent her career advocating pension reform.

On this episode of Queer Money, Teresa joins us to discuss what’s behind the retirement crisis in the US and explore what we can do to secure a dignified retirement for all.

Teresa explains why raising the retirement age isn’t the answer, exploring how the current system creates more inequality and harms low-wage older workers.

Listen in for insight on how life cycle disparities affect LGBTQ individuals and learn how Teresa’s Gray New Deal will help solve the retirement crisis in America.

Topics Covered

What’s behind the retirement crisis in America and its political implications
The risks associated with a pension-only retirement program
4 levers we can pull as voters, consumers, investors and workers to secure a dignified retirement
Why raising the retirement age shouldn’t be the sole solution to the retirement crisis
Why academics and politicians are arbiters of the ‘work-longer consensus’
How changes to the retirement system create more inequality and harm low-wage older workers
How life cycle disparities impact LGBTQ individuals and other marginalized communities
2 key tenets of Teresa’s Gray New Deal and how it would help Americans in retirement
How economic security is even more important than equality
What listeners can do to support the adoption of Teresa’s Gray New Deal

For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe

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Top 5 Most Affordable, LGBTQ+ Friendly Small Towns | Queer Money Ep. 511 May 30, 2024

Tens of thousands of small towns are scattered across the United States. Yet many of us have been lead to believe that none of these are great places for LGBTQ folks. Is this true?

Today we're looking at affordable LGBTQ+ friendly small towns, or places with a population of less than 50,000.

This is Queer Money episode #511. Today, we’re diving into 5 affordable small towns that are great spots for LGBTQ folks.

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The Economics of Being a Drag Queen | Queer Money Ep. 510 May 28, 2024

We’re drawn to drag queens and love being entertained by them.

But have you ever thought about what it takes to build a business as a drag performer? How much do they invest in costumes, makeup and marketing?

How do you make drag a full-time job?

Jessica L’Whor is an up-and-coming national queen who got her big break winning the Colorado State University Drag Show in 2013.

Since then, Jessica has been named Best New Queen on the Scene and Colorado’s Drag Entertainer of the Year.

On this episode of Queer Money, Miss Jessica joins us to discuss the economics of being a drag performer and describe how she does financial forecasting for her business.

Jessica explains what life was like before she got her big break and what she would do to avoid credit card debt if she could go back to the early days of her career.

Listen in to understand how Jessica lives her core values—work hard, play hard and slay humble—and learn how to turn the hobby of being a drag queen into your main source of income.

For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe

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Top 5 Most Affordable, LGBTQ+ Friendly Small Cities | Queer Money Ep. 509 May 23, 2024

There are only 94 cities in the US with a population over 250,000. This means that there are thousands of small cities and towns across the country.

So, today we're looking at affordable LGBTQ+ friendly places in small-sized cities, which are cities with a population between 50,000 and 250,000.

This is Queer Money episode #509. Today, we’re diving into 5 affordable cities within small cities that are great spots for LGBTQ folks.

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The Economics of Making a Transgender Movie | Queer Money Ep. 508 May 21, 2024

What does the budget of a queer indie film look like?

What if you could invest in an LGBTQ movie as part of your diverse portfolio?

Gabe Dunn is a New York Times bestselling author, screenwriter and filmmaker who

writes for the Netflix series BIG MOUTH and hosts the Bad With Money podcast.

Gabe’s short film Grindr Baby was named one of five Frameline Voices for emerging LGBTQ directors in 2023, and his latest project, You & I, You & Me, starts production next month.

This is Queer Money episode 508 and today Gabe joins us to discuss the economics of making a transgender movie, sharing the budget for You & I, You & Me and some of the surprising expenses associated with producing an indie film.

Topics Covered:

The themes of Gabe’s trans romance You & I, You & Me
Why it’s important for Gabe to tell a story like this
How the queer community came together to support Gabe’s film
Proving that there’s an audience for a film like You & I, You & Me
The influx of LGBTQ movies at top-tier film festivals
The benefits of investing in an independent film
What inspired Gabe to tell the story of You & I, You & Me
The differences between indie films and big-budget studio movies
How much it will cost Gabe to make You & I, You & Me
The surprising expenses associated with making an indie film
What your money would be used for if you invest in Gabe’s film
How to get involved in funding/promoting Gabe’s movie

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Top 5 Most Affordable, LGBTQ+ Friendly Medium Cities | Queer Money Ep. 507 May 16, 2024

Unpopular opinion alert! Not everyone wants to live in a big city.

For that reason, we're looking at affordable LGBTQ+ friendly places in medium-sized cities, which are cities with a population between 250,000 and 1,000,000.

This is Queer Money episode #507. Today, we’re diving into 5 affordable cities within medium cities that are great spots for LGBTQ folks.

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How to Overcome Burnout | Queer Money Ep. 506 May 14, 2024

In a society that endorses hustle culture, burnout is common.

But conventional advice on how to overcome burnout is inadequate. A meditation app, yoga class or scented candle won’t undo the chronic exposure to stress that’s behind our exhaustion.

So, how do we identify what’s triggering our stress? And what can we do to reverse our symptoms of burnout?

Piggy and Kitty (otherwise known as Jess Fickett and Lauren Torres) are the award-winning bloggers and podcasting team behind Bitches Get Riches, a platform that helps young people become competent adults in their finances, careers and personal lives.

They are also the creators of The Burnout Workshop, a self-guided course designed to empower students to recognize what’s triggering their burnout and design a concrete plan for change.

On this episode of Queer Money, Jess and Lauren join us to explain what happens to us physiologically when we experience consistent, ongoing exposure to high levels of stress.

Jess and Lauren explain why institutional or systemic factors make you more prone to burnout than personal factors, challenging us to use our privilege to get rid of burnout culture in the workplace.

Listen in for insight on maintaining a high quality of life while pursuing your goals and learn how Jess and Lauren’s Burnout Workshop can help you overcome burnout for a healthier, happier life!

For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe

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Top 5 Most Affordable, LGBTQ+ Friendly Large Cities May 09, 2024

Take me to the city, the big city!

Big cities seem to be safer places for LGBTQ+ folks. We gravitate to them for many reasons; jobs, safety, community, services, etc.

Since so many LGBTQ+ folks feel compelled to migrate to these large cities, we wanted to examine where in these large cities have pockets of affordability.

This is Queer Money episode #505. Today, we’re diving into 5 affordable cities within large cities that are great spots for LGBTQ folks.

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Where Do Gays Retire? | Queer Money Ep. 504 May 07, 2024

We all want to retire somewhere that’s both affordable and LGBTQ+-friendly.

But do places like that exist?

What else should we consider when deciding where to spend our golden years?

Mark Goldstein is the host of Where Do Gays Retire?, a podcast that explores safe, affordable retirement options for the LGBTQ+ community.

Mark is also the creator of the Where Do Gays Retire Facebook Group, a 13,800-member community for conversations around the best places to retire.

On this episode of Queer Money, Mark joins us to share his expertise about the most stereotypical and most surprising places where gays retire.

Mark describes the growing interest in retiring abroad among the LGBTQ+ community and explains what to research if you’re considering a retirement destination outside the US.

Listen in to understand the relationship between community and longevity—and learn how to find the right place to retire based on your priorities.

For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe

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Top 5 Most Affordable, LGBTQ+ Friendly Locations in Megacities May 02, 2024

Would you love to live in a gay mecca?

It seems that most, if not all, of the "gay meccas" are in megacities or cities with a metro population above 5 million.

Since so many LGBTQ+ folks feel compelled to migrate to these megacities for various reasons, we wanted to examine where in these megacities are pockets of affordability.

This is Queer Money episode #503. Today, we’re diving into 5 affordable cities within megacities that are great spots for LGBTQ folks.

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The Power of Telling Your Money Story | Queer Money Ep. 502 Apr 30, 2024

Do you make poor financial decisions, even when you know better? If so, it may help to dig into your money story to find out why.

Stephani Niblock grew up in a cult that viewed women as caretakers who never say no to their husbands.

So, when her partner wanted to buy a luxury car or see a pricey nutritionist, Stephani went into debt to make it happen.

How did understanding her money story help Stephani turn things around?

Today, Stephani is the creator of Be Your Money Hero, a platform and podcast that provides a safe space to explore the impact your past experiences and trauma have on your money.

On this episode of Queer Money, Stephani joins us to explain what it was like to grow up in a cult and how it affected her beliefs about money.

Stephani discusses how she got into debt and eventually filed for bankruptcy, describing how she took ownership of her ‘rock bottom’ money situation and finally got her financial life in order.

Listen in for insight on how trauma impacts our money decisions and learn how understanding your money story can help you change your financial life!

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Top 5 Most Affordable, LGBTQ+ Friendly Cities in Red States | Queer Money Ep. 501 Apr 25, 2024

It's pretty easy to bash conservative states as members of the LGBTQ+ community when we see many of these states enacting laws against us. Yet, did you know that almost one-third of LGBTQ+ adults in the U.S. live in a Red State? There are many reasons that some folks may choose to stay or move to one of these Red States, one of which may be affordability and because they lack the financial privilege it takes to move to another state.

With that in mind, we've mined our data on affordable LGBTQ+ friendly cities and have come up with the top 5 most affordable cities in Red states.

This is Queer Money episode #501. Today, we’re diving into 5 affordable cities in Red states that are great spots for LGBTQ folks.

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Celebrating 500 Episodes of Queer Money Apr 23, 2024

There is strength in numbers.

Strength in the number of LGBTQ individuals and allies working together for positive change. In the numbers in our banking and investment accounts.

And in 500 episodes of the Queer Money podcast!

On this episode of Queer Money, we’re celebrating our status as one of the top five longest-running LGBTQ podcasts in the world.

We look back at the show’s origins, describing the experience that inspired us to start Queer Money and the diverse range of guests we’ve interviewed since then.

We share our top takeaways from eight years of talking about LGBTQ money and discuss some the most inspiring guests we’ve had on the podcast.

Listen in to understand how the power of community and financial empowerment go hand in hand and learn how you can be part of our ongoing mission to create one million LGBTQ millionaires!

For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe

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Top 5 Most Affordable, LGBTQ+ Friendly Cities in Purple States | Queer Money Ep. 499 Apr 18, 2024

Swing states. Moderate states. Purple states. No matter what you call them, there are roughly 11.25% or over 1,500,000 LGBTQ+ folks living in the 3 states that are defined at being Purlple States. One southern and two mid-west states are home to some of the cheapest cities in the U.S., but are any of them LGBTQ+ friendly?

With that in mind, we've mined our data on affordable LGBTQ friendly cities and have come up with the top 5 most affordable cities in Purple states.

This is Queer Money episode #499. Today, we’re diving into 5 affordable cities in purple states that are great spots for LGBTQ folks.

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How to Invest in Short-term Rentals | Queer Money Ep. 498 Apr 16, 2024

How do you make money with short-term rentals? Is it worth it? Is the market over saturated?

This is Queer Money episode #498, and today we’re joined by Jason Muth, owner of Prideaway Stays where he focuses on helping the LGBTQ+ find and rent out short-term rentals, especially in the Provincetown, MA area.

Topics Covered:

How Jason’s side hustle with STRs turned into his full-time job
Why Jason focuses on classic vacation markets that have existed for decades
How listening to Bigger Pockets inspired Jason to invest in STRs
The first 3 steps Jason took to start making money with vacation rentals
What it means to have a ‘power tribe’ and why it’s important
Jason’s conservative approach to growing a short-term rental portfolio
The hidden costs of getting a short-term rental business off the ground
Why it’s crucial to set clear expectations in your listing and then overdeliver
Strategies for mitigating the risk of ‘bad guests’ trashing your property
Jason’s advice on responding to negative reviews by taking the high road
How to get into STRs through cohosting without buying a property yourself
What it means to ‘make a profit on the purchase’ of real estate

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Top 5 Most Affordable, LGBTQ+ Friendly Cities in Blue States | Queer Money Apr 11, 2024

We often hear from may of you that you'd only ever choose to live in a "Blue" state. Yet many folks see the cost of living in cities in blue states and think, "how the heck can the average LGBTQ person afford to live there?"

With that in mind, we've mined our data on affordable LGBTQ friendly cities and have come up with the top 5 most affordable cities in blue states.

This is Queer Money episode #497. Today, we’re diving into 5 affordable cities in blue states that are great spots for LGBTQ folks.

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What to Do If You're Offered a Dry Promotion | Queer Money Ep 496 Apr 09, 2024

What are dry promotions and how do they harm marginalized communities more?

This is Queer Money episode #496, and today we’re sharing how your boss could get you to work more for less and what you should do about it.

Topics Covered:

How dry promotions are defined as promotions that come without a raise
The problem with being given additional responsibilities without additional authority
6 reasons to decline a dry promotion at work
How dry promotions impact employee morale and retention
Why a dry promotion can throttle your career progression and lead to burnout
5 ways dry promotions hurt LGBTQ+ people and minorities
How dry promotions perpetuate marginalization, stifle authenticity and exacerbate inequality
The mental health impacts of dry promotions on marginalized communities
Why women, LGBTQ+ people and other minorities are more likely to accept a dry promotion
How to maintain your professionalism and decline a dry promotion graciously
When it makes sense to accept a dry promotion as a steppingstone for advancement
Accepting a dry promotion under the condition of revisiting the salary increase

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Top 7 Most Affordable Climate-Ready Gay Cities | Queer Money Ep. 495 Apr 04, 2024

Climate migration and climate change are topics more and more folks are considering when choosing where to live.

With rising insurance costs in places like Florida and California and changing weather patterns across the South and lower Mid-West, many are taking a second look at what cities are doing to be better prepared for climate change.

So, what are the most affordable, LGBTQ+ friendly cities in the United States that are climate-ready?

This is Queer Money episode #495. Today, we’re diving into 7 climate change-ready cities that are great spots for LGBTQ folks.

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How to Fund Your Gay Retirement | Queer Money Ep. 494 Apr 02, 2024

How will you fund your gay retirement years?

With stagnant wages, inflation, and discriminatory practices in financial services, do you fear your retirement years will be more like the Golden Corral than the Golden Girls?

If so, you’re luckier than a drag queen with a wardrobe malfunction and a safety pin because this is Queer Money episode #494. And today, we’re sharing our multi-pronged approach to building generational wealth to fund your retirement years and beyond.

For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe

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The Top 7 Affordable, LGBTQ+ Friendly Cities Queer Couples | Queer Money Ep. 493 Mar 28, 2024

What are the most affordable, friendly cities in the United States for LGBTQ singles?

We’ve covered the most affordable, LGBTQ+-friendly cities in each state.

But now we're taking that data and having some fun and are single?

This is Queer Money episode #491. Today, we’re sharing the most affordable, LGBTQ+-friendly city for dog owners

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How Corporations Contribute to the Wage Gap | Queer Money Ep. 492 Mar 26, 2024

Is there really a wage gap and do folks, including LGBTQ+ folks, contribute to that wage gap?

Today we're joined by the fabulous Farnoosh Torabi to chat about all of our experiences being members of minority communities and how corporations and often times, the employees within those corporations who are also part of these minority communities are exacerbating the wage gap for our communities.

Farnoosh is a renowned personal finance expert, author, and television personality. With a background in journalism and finance, she has appeared on major networks and platforms, including CNBC, MSNBC, and The Today Show. Farnoosh is also the author of several best-selling books, including You're So Money, When She Makes More, and most recently, A Healthy State of Panic, which we’ll discuss on this show. And, of course, Farnoosh is the host of the wildly popular So Money podcast, on which you can catch us on episode #313.

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Most Affordable, LGBTQ+ Friendly Cities for Singles | Queer Money Ep. 491 Mar 21, 2024

What are the most affordable, friendly cities in the United States for LGBTQ singles?

We’ve covered the most affordable, LGBTQ+-friendly cities in each state.

But now we're taking that data and having some fun and are single?

This is Queer Money episode #491. Today, we’re sharing the most affordable, LGBTQ+-friendly city for dog owners

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Top 10 Investing Terms You Should Know | Queer Money Ep. 490 Mar 19, 2024

Entering the world of investments can be as exhilarating as stepping onto the dance floor at Pride—exciting, but also a tad overwhelming. Ever chatted with a financial advisor and felt like you needed a drag queen to translate?

This is Queer Money episode 490 and today we're serving up the top ten investing terms you need to sashay through like a seasoned pro. But honey, we're not just decoding; we're spicing them up with some extra glitter and sass to make finance as fabulous as a drag show!

For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe

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Top 10 Most Affordable, LGBTQ+ Friendly Cities for Dogs | Queer Money 489 Mar 14, 2024

What are the most affordable, LGBTQ+ friendly cities in the United States for dog owners?

We’ve covered the most affordable, LGBTQ+-friendly cities in each state.

But now we're taking that data and having some fun and who doesn't love puppies?

This is Queer Money episode #489. Today, we’re sharing the most affordable, LGBTQ+-friendly city for dog owners

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How to Improve LGBTQ Incomes | Queer Money Ep. 488 Mar 12, 2024

More Americans than want to admit it have a spending problem, not an income problem. For LGBTQ+ Americans, the opposite is true. Why is this, and what can be done about it?

This is Queer Money episode #488. And today, we’re diving into the incomes and earning potential of LGBTQ+ people and sharing what we can do to increase our income and enhance our power.

For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe

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Surprises from the Most Affordable, LGBTQ Friendly Cities | Queer Money Ep. 487 Mar 07, 2024

What are the most affordable, LGBTQ+ friendly cities in the United States?

We’ve covered the most affordable, LGBTQ+-friendly cities in each state.

But before further parsing the data, we have some thoughts and opinions.

This is Queer Money episode #487. Today, we’re sharing our biggest takeaways and surprises from the most affordable, LGBTQ+-friendly city series.

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How Social Security is Taxed in Retirement | Queer Money Ep. 486 Mar 05, 2024

Are social security payments taxed in retirement? Let's find out.

“When I start drawing on my Social Security, that’s when I’ll be able to relax,” said no one ever.

What’s worse is that many people don’t know that they may have to pay taxes on their Social Security payments in retirement and three times the taxes if they escape abroad.

So, how do taxes affect Social Security payments?

This is Queer Money episode #486, and today, we’re sharing everything you should know so that you can accurately plan for retirement. Now, on with the show.

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Top 10 Affordable, LGBTQ+ Friendly Cities, So Far Part II | Queer Money Ep. 485 Feb 29, 2024

What are the most affordable, LGBTQ+ friendly cities in the United States?

On this Queer Money, we're taking a break from our usual look at individual states. We wanted to share the next top 10 most affordable, LGBTQ+ friendly cities from the second 25 states we’ve covered from Alabama to Missouri.

All of these cities scored a 100 on the Human Rights Campaigns Municipal Equality Index.

So, for this list our focus is on the city-level cost of living, the US Census data on incomes and Zillow's data on housing and rent prices.

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How I Secured $11 Million for My Start-Up | Queer Money Ep. 484 Feb 27, 2024

A whopping 93% of venture capital funding goes to straight, white, men. Which means is very few and far between that an LGBTQ+ founder lands a multi-million dollar round of funding.

When this does happen, we want to champion this and learn from it, so more LGBTQ+ folks can try to replicate it and create generational/community wealth.

We often hear people in the community say, “I have this business idea . . .” then follow up with “but I cant start a business because of X, Y, Z, LMNOP.”

And that’s simply not true. That’s why we’re busting these limiting beliefs on today’s show.

This is Queer Money episode #484. And today, we’re interviewing Mark Cozzi, the CEO and co-founder of The Bettering Company, to share why and how he launched a luxury edible company, and how he secured $11MM in venture capital funding to grow his company.

Mark had a 35-year career in the finance sector, primarily focused on growth companies and startups. Mark then left Wall Street to found Leor Energy, a privately held energy company.

Today, Mark shares the good, the bad, and the ugly about launching and funding The Bettering Company, so maybe you too can launch your own venture (and come on Queer Money to tell us about it).

For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe

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The Best Gay City to Live in Alabama | Queer Money Ep. 483 Feb 22, 2024

What is the most affordable LGBTQ+ friendly city in Alabama?

It’s where the windshield wiper was invented, the first 911 call was made, and Christmas was first recognized as an official holiday.

At one time or another, authors Harper Lee, Zora Neale Hurston, Fannie Flagg and Truman Capote all called this place home (though you may not be able to read any of their books there today), it’s where the first rocket to ever put a man on the moon was built and it’s home to the nation’s oldest and largest Veterans Day parade.

You’re listening to Queer Money episode #483. And today, we’re sharing the most affordable, LGBTQ+-friendly city in Alabama.

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How a Robo-Advisor Can Help You Invest Like a Pro | Queer Money Ep. 482 Feb 20, 2024

What is a robo-advisor?

Scared of investing because you don’t know how to invest or what to invest in? Consider getting a robo-advisor.

No, not Wall-E's long-lost cousin, but a financial ally that's part tech wizard, part financial genius, and maybe a dash of R2-D2.

You’re listening to Queer Money episode #482. And today, we’re sharing how a robo-advisor might turbocharge your wealth-building game to secure your ideal retirement.

For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe

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The Best Gay City to Live in Alaska | Queer Money Ep. 481 Feb 15, 2024

What is the most affordable LGBTQ+ friendly city in Alaska?

It’s the most seismically active state in the US, has more coastline than the rest of the US combined and has a state flag designed by a 13-year-old.

Its population density is 1 person per square mile, and a majority of its residents are men - oooh! - and it’s where you can see Russia from some people’s backyards.

This is Queer Money episode #481. And today, we’re sharing the most affordable, LGBTQ+-friendly city in Alaska. Now, on with the show.

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Healthcare Inequality: What LGBTQ Folks Must Know | Queer Money Ep. 480 Feb 13, 2024

Statistics reveal alarming disparities in healthcare access, treatment, and outcomes for LGBTQ+ people.

From discriminatory practices to inadequate cultural competency, our healthcare system often needs to improve in providing equitable care for this community.

This is Queer Money episode #480. And today, we’re talking with Alex Sheldon (they/them) of GLMA: Healthcare Professionals Advancing LGBTQ+ Equality. GLMA is the world’s oldest and largest association of lesbian, gay, bisexual, transgender, queer and allied healthcare professionals.

Alex is the Executive Director of GLMA and a professional researcher, strategist, and advocate with over 15 years of experience in the field of human rights with a concentration in LGBTQ+ rights.

For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe

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The Best Gay City to Live in Arizona | Queer Money Ep. 479 Feb 08, 2024

What is the most affordable LGBTQ+ friendly city in Arizona?

It’s home to 22 Native American Tribes, including the Hopi, Navajo, and Apache. It’s also the home to Jake Shears the lead singer of the awesomely queer band The Scissor Sisters

It’s known for the Sequaro Cactus, Antelope Canyon (one of the most IG-worthy picture locations in the world), and where about 65% of all Copper in the US is mined

This state flipped from Red to Blue in 2020, helping Biden beat the Orange Bozo, and is one of the fastest-growing states due to retirees and folks leaving California to lower their cost of living

This is Queer Money episode #479. And today, we’re sharing the most affordable, LGBTQ+-friendly city in Arizona. Now, on with the show.

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7 Taxes in Retirement to Consider | Queer Money Ep. 478 Feb 06, 2024

Taxes in retirement are one of the biggest considerations for where and how we may want to retire.

Whether capital gains are taking a dip or Social Security benies are serving the drams, we've got the hot takes to make your retirement tax strategy as flawless as Madonna’s Vogue routine.

Grab your bedazzled calculators and get ready to sashay your way through the fabulousness of our ongoing retirement 101 series.

This is Queer Money episode #478. And today, we’re sharing the 7 most significant taxes you’ll deal with in retirement.

For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe

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The Best Gay City to Live in Arkansas | Queer Money Ep. 477 Feb 01, 2024

What is the most affordable LGBTQ+ friendly city in Arkansas?

If you’re a hillbilly you might reside in this state, since it’s where the term was originally used by CFM (no not the high heels ladies) rather authors CFM Noland and Opie Read began using it in the 1800s

It is one of the largest producers of chicken in the US, where Walmart got its start and is home to Crater of Diamonds National Park, where over 75,000 diamonds have been found laying on the ground, including the Esperanza diamond worth over $1mm after it was polished, cut and mounted on a pendant.

You’re listening to Queer Money episode #477. And today, we’re sharing the most affordable, LGBTQ+ friendly city in Arkansas. Now, on with the show.

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Why Arlan Hamilton Wants More Rich Gay People | Queer Money Ep. 476 Jan 30, 2024

Do gays deserve to be rich?

One of the missions of Queer Money is to help build a community of one million LGBTQ+ millionaires.

Guess what? We're not the only ones who want to do this. So does our guest this week.

The founder of the $20MM venture capitalist firm, serial entrepreneur, author, podcaster, speaker, and social media influencer Arlan Hamilton also wants to see more queer millionaires.

She says so in her new book, Your First Million, and shares it on this week's Queer Money episode # 476.

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The Best Gay Cities to Live in California | Queer Money Ep. 475 Jan 25, 2024

What is the most affordable LGBTQ+ friendly city in California?

It has more people than Canada has Canadians, in the summer it produces “watermelon snow” and its where the Great Depression of 1929 - 1939 was more of a recession thanks to its thriving agricultural production.

If you were a Windows XP user, you saw one of its mountains every single time you turned on your work computer, it’s home to “gravity hills” - places where gravity doesn’t quite act as it should and its where the fortune cookie was born.

You’re listening to Queer Money episode #475. And today, we’re sharing the most affordable, LGBTQ+ friendly city in California. Now, on with the show.

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What Can I Do with My 401k as a Non US Citizen? | Queer Money Ep. 474 Jan 23, 2024

What can I do with my 401(k) if I worked in the US as a non-US citizen and have either stopped working or moved back to my home country?

We got a question from an attendee of our talk at the Reaching Out MBA conference in Chicago. They lived here while going to school and worked. While working they opened up a 401k. Now they’re living back in Italy and want to know what their options are to invest or withdraw the investments.

I’ve worked with contract workers who are here from Asia and India as well as students who are here going to school but also working while attending university. Maybe you have too. What are their options if they have were auto-enrolled or chose to enroll in a 401(k) or 403(b)?

You’re listening to Queer Money episode #474. And today, we’re sharing some options for folks who have a 401k but are nonresidents of the US and no longer residing in the US. to help if that is you, or if you have a colleague or employee who may be in this situation.

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The Best Gay Cities to Live in Colorado | Queer Money Ep. 473 Jan 18, 2024

What is the most affordable LGBTQ+ friendly city in Colorado?

It’s where the oldest recorded rodeo took place in 1869, part of its state capital is made from material found nowhere else in the world - a rare deposit of a marble-like stone with pink hues.

It’s where the cheeseburger was born at Humpty Dumpty Drive-in in 1935, it’s the only state that told the US Olympic Committee to “talk to the hand” when it was offered to host the 1976 Winter Olympic Games and its home to the highest tunnel, the highest paved road and the longest street in North America.

This is Queer Money episode #473. And today, we’re sharing the most affordable, LGBTQ+ friendly city in Colorado.

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Securing Love: A Guide to Financial Documents for Same-Sex Couples | Queer Money Ep. 472 Jan 16, 2024

How do I prepare if marriage equality gets overturned?

In June 2022, we all watched in shock as the Supreme Court overturned Roe v. Wade and gutted women’s rights to their bodies and reproductive healthcare

Many of us in the LGBTQ+ community were even more shocked when the concurring opinion from Justice Thomas was released, where he alluded to the court’s need to review and reverse protections for same-sex couples, including marriage and the rights and responsibilities that go along with it.

In addition, with more and more Gen Z and younger Millenials vocalizing that they will be sitting out the 2024 election because of their disappointment with Biden on social issues, it is possible we could see even more momentum in the country to revoke the right for same-sex couples to marry.

It feels as if we’re at the precipice of going backward on this issue as we see countries like Nepal and Estonia legalizing marriage equality in 2023. So, what can same-sex couples in the United States do to protect themselves and their assets to be on the safe side?

You’re listening to Queer Money episode #472. And today, we’re sharing the top 5 documents same-sex couples can and should be using to protect themselves.

For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe

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The Best Gay City to Live in Connecticut | Queer Money Ep. 471 Jan 11, 2024

What is the most affordable LGBTQ+ friendly city in Connecticut?

Its state song is Yankee Doodle, it imposed the first speed limit in the US at 12 mph and is where PEZ candies are made.

It has a city where it’s illegal to cross the street walking on your hands, it’s where lollipops were invented and it’s where the first telephone book was issued with 50 names and phone numbers.

This is Queer Money episode #471. And today, we’re sharing the most affordable, LGBTQ+ friendly city in Connecticut.

Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here.
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Don't miss the other states we've covered in this Gay Cities series

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10 Great Gay Retirement Communities | Queer Money Ep. 470 Jan 09, 2024

Is gay retirement different? Do LGBTQ+ folks need their own retirement communities? Do some already exist and if so where?

Did you know that queer people are going back into the closet as we age? That’s according to an August 2023 Salon article. That’s in part because of the 508 anti-LGBTQ+ laws at the state-level throughout the country, per the ACLU.

That makes retirement and retirement housing more unaffordable for us - increasing the pink tax.

That’s why you’re listening to Queer Money episode #470 because we’re kicking off our new Gay Retirement 101 series.

Today, we’re sharing our favorite LGBTQ+ retirement communities

10 of our favorite places for LGBTQ+ individuals to

live in retirement

1. Pueblo Manor in Apache Junction, AZ

2. Triangle Square in Hollywood, CA

3. A Place for Us in Cleveland, OH

4. Rainbow Vista in Gresham, OR

5. Town HallApartments in Chicago, IL

6. Fountaingrove Lodge in Santa Rosa, CA

7. Wilton Manors, FL

8. The Residences atSeashore Point in Provincetown, MA

9. Village Hearth Cohousing in Durham, NC

10. Birds of a Feather in Village of Pecos, NM

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The Best Gay Cities to Live in Delaware | Queer Money Ep. 469 Jan 04, 2024

What is the most affordable LGBTQ+ friendly city in Delaware?

Once upon a time, it was home to the tallest Lego tower in the world, standing at 113 feet or 11 stories, with 500,000 Lego bricks, it was the first state to sign the US Constitution and one of its nicknames is “Home of Tax Free Shopping.” Hello, Total Wine & Spirits!

It’s where Henry Heimlich of the infamous Heimlich Maneuver, was born, and when he was a plant worker for Chrysler it was once the home of Bob Marley and it was named after Thomas West, the third Baron De La Warr who was later known as Lord Delaware.

This is Queer Money episode #469. And today, we’re sharing the most affordable, LGBTQ+ friendly cities in Delaware.

Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here.
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Don't miss the other states we've covered in this Gay Cities series

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5 Ways to Rock Your Finances in 2024 | Queer Money Ep. 468 Jan 02, 2024

It’s the New Year, New Queer time of year, and you know what that means - endless listicles of basic money tips.

If that’s what you’ve come for you’re in the wrong place. If you’re looking for the 200, 300-level tips for rocking your finances this year, welcome!

This is Queer Money episode #468. And today, we’re sharing five unique tips for winning the game of money starting this year.

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The Best Gay City to Live in Florida | Queer Money Ep. 467 Dec 28, 2023

What is the most affordable LGBTQ+ friendly city in Florida?

The flattest state in the US in which not a single dinosaur fossil will be found and where the drivers test doesn’t require parallel parking . . .

Home to the only coral reefs and the most golf courses in the US, and if you ate a tomato today it most likely came from this place.

This is Queer Money episode #467. And today, we’re sharing the most affordable, LGBTQ+ friendly city in Florida

Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here.
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How to Do an End of Year Finance Review & Plan | Queer Money Ep. 466 Dec 26, 2023

It’s just been a rollercoaster of a year.

The stock market’s been up - the S&P’s up about 20%, but real estate is softening but inflation’s up and even though wages are also up wages haven’t kept up with inflation.

Granted those are all systemic issues.

And what the markets are doing and the news is reporting could be totally different from what we’re as individuals may be experiencing.

So, how do you know the difference and how do I plan for next year?

This is Queer Money episode #466 and today we’re joined again by Adam Davis of Capital One to talk about how to do an annual look back and look ahead at your personal finances to plan for a successful 2024.

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The Best Gay City to Live in Georgia | Queer Money Ep. 465 Dec 21, 2023

What is the most affordable LGBTQ+ friendly city in Georgia?

Home to the oldest state park in the nation, the first state to charter a state-sponsored university and the first state to lower the voting age from 21 to 18.

It was Hogzilla, the largest hog ever discovered, it’s the current home of the largest swamp in North America and it’s the only state to have had three governors, simultaneously, twice - two times!

This is Queer Money episode #465. And today, we’re sharing the most affordable, LGBTQ+ friendly city in Georgia.

Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here.
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How We're All Feeling about Our Finances Today | Queer Money Ep. 464 Dec 19, 2023

Do the economy, inflation and even stock market volatility have you feeling anxious?

A listener emailed, “Am I the only one feeling anxious about the state of the world today and my finances?”

No, you’re not alone. Christina Roman, consumer education advocate at Experian, joins Queer Money episode 464 to share data from recent surveys on how we’re all feeling about our finances today and tips for how we can all reduce our financial anxiety.

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The Best Gay City to Live in Hawaii | Queer Money Ep. 463 Dec 14, 2023

What is the most affordable LGBTQ+ friendly city in Hawaii?

It’s said to have the most isolated population in the world and is the recipient of more than nine million tourists and $16 billion in tourist dollars annually.

It’s technically located in Oceania, has the most southern point in the US and the tallest mountain in the world, and it’s where surfing was born.

This is Queer Money episode #463. And today, we’re sharing the most affordable, LGBTQ+ friendly city in Hawaii.

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Why LGBTQ Banks and Investments Keep Failing | Queer Money Ep. 462 Dec 12, 2023

Ever hear of the PRID ETF, LGBT ETF or EQLT ETF?

Ever bank with or used Equality Credit Union, Daylight Bank or Superbia Credit Union?

There’s a good chance you haven’t heard of these LGBTQ banks, credit unions or investments and, if you did, you’re not using them now because they’ve all gone away.

Why, with $1.4 trillion in purchasing power in our community, have all these LGBTQ banks, credit unions and investments gone out of business?

This is Queer Money episode #462. Today, we’re joined by Spencer Watson the founder and executive director of the Center for LGBTQ Economic Advancement & Research, aka CLEAR. Spencer’s a graduate of Berkeley Law, where they studied consumer financial protection, prudential regulation, lending discrimination and civil rights and then interned at the Consumer Financial Protection Bureau’s Office of Fair Lending.

We’re tackling these questions to help our community start talking more about the opportunities it has with LGBTQ financial institutions and investments. Let’s get on with the show.

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The Best Gay City to Live in Idaho | Queer Money Ep. 461 Dec 07, 2023

What is the most affordable LGBTQ+ friendly city in Idaho?

A state that has a name with no history and no meaning - it’s completely made up, home to five federally recognized Native American tribes and where 70% of the US supply of trout is produced.

It’s where allegedly no one has an accent, where the first Alpine chairlift operated, home to the deepest river gorge and the tallest sand dune in North America.

This is Queer Money episode #461. And today, we’re sharing the most affordable, LGBTQ+ friendly city in Idaho.

Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here.
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Why You Should Max Out Your 401k | Queer Money Ep. 460 Dec 05, 2023

What is the real value of maxing out your 401k?

Want to 10X or hack your retirement investing strategy for ultimate retirement security?

We have a little hack that if you live like no one else will for just five years, you be able to live like no one else can through retirement.

You’re listening to Queer Money episode #460. And today, we’re sharing why and how you should max out your 401k.

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The Best Gay City to Live in Illinois | Queer Money Ep. 459 Nov 30, 2023

What is the most affordable LGBTQ+ friendly city in Illinois?

Known as The Prairie State it was the first state to ratify the 13th Amendment to the Constitution, which abolished slavery, and is home of the modern skyscraper - the first being the Home Insurance Building.

Apparently, it’s where the ice cream sundae got its name, specifically at Garwood’s Drugstore, and is also the birthplace of Walt Disney, Twinkies, McDonald’ and Dairy Queen - pretty much all my childhood memories.

This is Queer Money episode #459. And today, we’re sharing the most affordable, LGBTQ+ friendly city in Illinois. Now, on with the show.

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Try This Financial & Mental Retreat This Holiday Season | Queer Money Ep. 458 Nov 28, 2023

Your mental and financial well-being can only handle so much this holiday season. That’s why it’s helpful to have a proactive plan for how you’ll manage both.

This is Queer Money episode #458. And today, we’re sharing our favorite plan and place to manage your financial and mental well-being this holiday season.

We’re joined by Shaun Rowley, the National Capital One Café Executive for Capital One, as part of our ongoing financial well-being series.

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The Best Gay City to Live in Indiana | Queer Money Ep. 457 Nov 23, 2023

What is the most affordable LGBTQ+ friendly city in Indiana?

It’s where Abraham Lincoln moved and lived after age 7, it’s the home of the first long-distance auto race in 1911 and home of the first professional baseball game in 1871.

It’s the birthplace of David Letterman and Jame Dean and it’s the home of Sarah Walker, aka Madame JC Walker, one of the country’s first women millionaires

This is Queer Money episode #457. And today, we’re sharing the most affordable, LGBTQ+ friendly city in Indiana.

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How to Increase Your Return on Happiness | Queer Money Ep. 456 Nov 21, 2023

What is your Return on Happiness?

Have you ever found yourself chasing the dopamine rush of buying the next new thing only to have to buy the next new thing shortly thereafter?

If this is you, it’s not your fault and there’s a way to break this cycle.

As we’re in the heart of the spending binge season, this is the perfect time to have this discussion and avoid the spending binge hangover.

This is Queer Money episode #456. And today, we’re sharing our new strategy for getting truly happy with your finances.

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The Best Gay City to Live in Iowa | Queer Money Ep. 455 Nov 16, 2023

What is the most affordable LGBTQ+ friendly city in Iowa?

It has 30MM acres of farmland, is the birthplace of Herbert Hoover, John Wayne and the character Captain Kirk from Star Trek, and is home of the largest research university.

It’s where Arabella Mansfield, the first female lawyer in the US was born, where the trampoline was invited and is home to nine different species of bats

This is Queer Money episode #455. And today, we’re sharing the most affordable, LGBTQ+ friendly city in Iowa.

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What It’s Like Raising a Trans Kid in America | Queer Money Ep. 454 Nov 14, 2023

Trans kids and their parents are under attack in America today. Coupling that with trying to navigate finances for trans families and it all can be daunting.

On this Queer Money, we’re joined by one of the founders of Modern Husbands, and one of the hosts of the Modern Husband’s Podcast, Brian Page.

Brian share insights on what it’s like raising a trans kid in America today.

Brian’s a National Educator of the Year by the Milken Foundation and Ohio Department of Education, a CNN Money Hero, a CEE Forbes Award winner, and a former Working Group Member of the U.S. President's Advisory Council on Financial Capability. And most of all an ally for the LGBTQ+ community.

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The Best Gay City to Live in Kansas | Queer Money Ep. 453 Nov 09, 2023

What is the most affordable LGBTQ+ friendly city in Kansas?

It’s scientifically proven to be flatter than an IHOP pancake, the geographic center of the contiguous US and urban legend says it’s the home of the Gates of Hell underneath the Stull United Methodist Church.

In one of its cities, it’s illegal to sing the alphabet on the streets at night and in 1985 it sued Colorado for a violation of an agreement concerning water use and was awarded $14 million in damages.

This is Queer Money episode #453. And today, we’re sharing the most affordable, LGBTQ+ friendly city in Kansas.

Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here.
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7 Ways to Save for Tomorrow and Live Today | Queer Money Ep. 452 Nov 07, 2023

How do you save for tomorrow yet still have a life today? This is an important but delicate balance!

We spoke at the ReachingOut MBA or ROMBA conference in Chicago last month and one of the attendees asked us this very same question, and we think it’s a great topic for this show.

This is Queer Money episode #452, and today, we’re sharing how you can balance the needs for tomorrow with the desires and needs for today as part of our ongoing financial well-being series sponsored by Capital One.

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The Best Gay City to Live in Kentucky | Queer Money Ep. 451 Nov 02, 2023

What is the most affordable LGBTQ+ friendly city in Kentucky?

It’s where 120,000 mint julips and 7,000 liters of bourbon are drunk in a single day and where even today governors must swear an oath before taking office that they have never fought a duel with deadly weapons.

It’s the birthplace of the red Corvette and, for Romey & Michelle fans, where Post-It Notes are produced.

This is Queer Money episode #451. And today, we’re sharing the most affordable, LGBTQ+ friendly city in Kentucky.

Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here.
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How to Live a Life of Abundance (Even If You’re Broke Now) | Queer Money - Ep. 450 Oct 31, 2023

How do you live a life of abundance even if you feel broke now?

This is Queer Money episode #450, and today money and life coach, Leisa Peterson guest on Queer Money episode #148 returns to share her answers to this question and more from our book, The Mindful Millionaire: Overcome Scarcity, Experience True Prosperity, and Create the Life You Really Want.

Stay tuned till the end to learn how you might win a free copy of Leisa’s book. Now, on with the show.

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The Best Gay City to Live in Louisiana | Queer Money Ep. 449 Oct 26, 2023

The birthplace of Jazz and Louis Armstrong and home to the longest bridge over water in the world . . . the Lake Pontchartrain Causeway, which spans 24 miles.

Folklore says it’s where David’s favorite cocktail, the sazerac, was invented and it was home to America’s first World’s Fair in 1884, and if you couldn’t make it there you may have visited for Mardi Gras or Southern Decadence.

This is Queer Money episode #449. And today, we’re sharing the most affordable, LGBTQ+ friendly city in Louisiana.

Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here.
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How Alternative Investments Can Enhance Your Portfolio | Queer Money Ep. 448 Oct 24, 2023

Hedge funds, private equity, structured products, collectibles. It sounds like investments for the already rich, right?

Think again!

On Queer Money episode #448 we’re talking with Kelly Ann Winget, the first millennial and out LGBTQ+ woman to found a private equity firm.

Kelly joins us today to share why and how those investment tools are for you, too.

Kelly’s the author of Pitch the Bitch and host of the Wealth Alpha. Kelly’s been featured all over from NPR to Forbes.

If you’re looking to diversify your portfolio, you want to catch this episode. So, let’s get on with the show.

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The Best Gay City to Live in Maine | Queer Money Ep. 447 Oct 19, 2023

Discovered by The Vikings 1,000 years ago (only after the Native Americans tens of thousands of years before) and where 90% of the nation’s toothpicks are produced . . .

The only US state with a single-syllable name and also yields nearly 90% of the country’s lobster.

This is Queer Money episode #447. And today, we’re sharing the most affordable, LGBTQ+ friendly city in Maine.

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What Happens When Women Are the Primary Breadwinners | Queer Money Ep. 446 Oct 17, 2023

Women breadwinners, including those in same-sex relations, face unique challenges with their personal finances, including with investing.

How are personal finances different for these women and their families? What can be done to make personal finance, especially investing, more inclusive?

On this Queer Money episode, we’re joined by Carey Shuffman, Executive Director and Head of the Women’s Segment at UBS. UBS recently published its 2023 Own Your Worth study that will help us answer these questions.

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The Best Gay City to Live in Maryland | Queer Money Ep. 445 Oct 12, 2023

Its state sport is jousting, has the only state flag based on English heraldry - the coat of arms for the Calvert Family - and is where the 6-pack was invited - for beers, not abs.

It’s the birthplace of comedian Lewis Black, author Tom Clancy and musician Frank Zappa.

Speaking of authors, one of its city’s football teams is named after an Edgar Allen Poe story - and the Raven said “nevermore.”

This is Queer Money episode #445. And today, we’re sharing the most affordable, LGBTQ+ friendly city in Maryland.

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Increase Your Financial Confidence with this Free Tool | Queer Money Ep. 444 Oct 10, 2023

Wouldn’t you love to feel more capable, confident and in control of your money? That’s the definition of financial well-being, right?

As part of our ongoing financial well-being series with Capital One, we’re joined by Kerone Vatel, Head of Community Impact and Investment at Capital One, to share an exciting new collaboration between them and Khan Academy that will help you feel much better about your money . . . all for free.

This is Queer Money episode #444 and we’re sharing free tools and resources to improve your financial confidence.

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The Best Gay City to Live in Massachusetts | Queer Money Ep. 443 Oct 05, 2023

Home of the first public park, Boston Common, the birthplace of Lizzie Broden and the state with the chocolate chip cookie as its symbols - something we can get behind.

It was the sixth state to join the union, is where Fig Newtons were invented, where Dunkin Donuts was founded and technically the state where same-sex marriage was invented.

This is Queer Money episode #443, and we’re sharing the most affordable, LGBTQ+ friendly city in Massachusetts.

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THE Best Retirement Calculator EVER | Queer Money Ep. 442 Oct 03, 2023

Does it feel like retirement calculators are vague and leave you with more questions than when you started?

Then, you’re going to love this Queer Money episode. Today, we’re sharing what we think is the best retirement calculator ever.

We’re joined today by Lauren Boland of C-SIM FIRE. Lauren’s a tech genius who’s worked for Lockheed Maretin, Deloit and one of our favorite partners, The Motley Fool. Lauren’s been building this amazing calculator for years and it’s good.

This is a special episode that you’ll likely want to also watch on YouTube, so that you can see Lauren work her calculator magic and how you can use it yourself. You can watch that here:

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The Best Gay City to Live in Michigan | Queer Money Ep. 441 Sep 28, 2023

The home of Motor City. The Great Lakes State. The birthplace of Madonna on August 16, 1958, just two months and one week after Prince was born an 11-hour drive away on I-94.

You’re listening to Queer Money episode #441. And today, we’re sharing the most affordable, LGBTQ+ friendly city in Michigan.

We'll share the top two based the data we've pulled from The Human Rights Campaign's Municipal Equality Index, city-level cost of living, the US Census data on incomes and Zillow's data on housing and rent prices.

Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here.
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How Values-Based Investing Yields Better Returns | Queer Money Ep. 440 Sep 26, 2023

Once upon a time, in a land not-so-far-away called ESG investing, the fairy godmother of the East made you sleep better because your investments didn’t harm the environment, exploit people or make puppies cry.

But the Wicked Witch of the West haunted your dreams like Freddie Kruger with low stock market returns and fears of retirement insecurity.

Today on Queer Money, we’re talking with the co-founders of Till Investors and co-authors of the upcoming book Sustainable Investing: An ESG Starter Kit for Everyday Investors, Kylelane Purcelle and Ben Vivari to talk about the evolution and value of values-based investing, and how those low returns are now nightmares of yore.

Kyle and Ben have spent their career in financial services and are on a mission to spread the value of financial, environmental, social, and corporate governance returns to the masses.

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The Best Gay City to Live in Minnesota | Queer Money Ep. 439 Sep 21, 2023

The Land of 10,000 Lakes. The Star of the North. The birthplace of Prince Rogers Nelson, aka Prince and the Artist Formerly Known as Prince, on June 7, 1958.

This is Queer Money episode #439. And today, we’re sharing the most affordable, LGBTQ+ friendly city in Minnesota

We'll share the top two based the data we've pulled from The Human Rights Campaign's Municipal Equality Index, city-level cost of living, the US Census data on incomes and Zillow's data on housing and rent prices.

Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here.
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How LGBTQ Solo Agers Can Retire Successfully | Queer Money Ep. 438 Sep 19, 2023

Does the thought of retirement keep you up at night?

Not because of finances, but because you won’t have children to help care for you or because you won’t have a spouse or partner to be there for you?

On this Queer Money episode, we’re talking about retirement planning for solo- and child-free agers.

Per a recommendation in the Queer Money Facebook group, we’re joined today by Dr. Sara Zeff Geber, author of Essential Retirement Planning for Solo Agers. From her years of research and speaking on the subject, Sara shares ideas for housing solutions, both domestic and abroad, how to stay mentally and physically healthy as long as possible and how to design a rewarding second, third or fourth act.

Remember to hang on until the end to find out how to enter to win a free copy of Dr. Geber’s book.

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The Best Gay City to Live in Mississippi | Queer Money Ep. 437 Sep 14, 2023

The birthplace of blues music, Britney Spears, root beer, the soft toilet seat cover and Oprah Winfrey . . .

It’s in the Deep South, has a huge state fair and is considered the Magnolia State.

This is Queer Money episode #437. And today, we’re sharing the most affordable, LGBTQ+ friendly city to live in in Mississippi.

We'll share the top two based the data we've pulled from The Human Rights Campaign's Municipal Equality Index, city-level cost of living, the US Census data on incomes and Zillow's data on housing and rent prices.

Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here.
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The 2023 Motley Fool/Debt Free Guys LGBTQ Money Study | Queer Money Ep. 436 Sep 12, 2023

Last year, we published the first of its kind, in-depth and breath, money study about the LGBTQ+ community in partnership with The Motley Fool, and some of the findings were shocking.

We decided to revisit the same questions that we asked last year again in partnership with The Motley Fool to see how things changed for the community in just one year.

On this Queer Money episode, we’re sharing the results of the 2023 Motley Fool/Debt Free Guys LGBTQ+ Money Study with returning guest Jack Caporal of The Motley Fool. Jack is the Research lead for The Motley Fool and The Motley Fool Ascent.

For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe

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The Best Gay City to Live in Missouri | Queer Money Ep. 435 Sep 07, 2023

The site of the most powerful earthquake to strike the United States (1811) and the most destructive tornado in recorded history (1925).

The birthplace of Harry Truman, the 33rd president of the US, and the 24th state to join the Union.

You’re listening to Queer Money episode #435. And today, we’re sharing the most affordable, LGBTQ+ friendly city to live in in Missouri.

We'll share the top two based the data we've pulled from The Human Rights Campaign's Municipal Equality Index, city-level cost of living, the US Census data on incomes and Zillow's data on housing and rent prices.

Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here.
Watch this episode on YouTube
Don't miss the other states we've covered in this Gay Cities series

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Making CDs Super Sexy with Jason Tartick | Queer Money Ep. 434 Sep 05, 2023

What do a Bachelorette Reality TV star, little-talked-about investments and interest rates have in common?

They have Queer Money episode #434 in common because we have Jason Tartick of The Bacheloretee season 14 on the show to talk about the super exciting investment topic of CDs - amongst other things.

In addition to being a contestant on The Bachelorette, Jason is a Wall Street Journal Best Selling Author, podcast host of the top charting ‘Trading Secrets’ podcast and multi-media star.

For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe

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The Top 10 Affordable LGBTQ+ Friendly Cities Pt 1 | Queer Money Ep. 433 Aug 31, 2023

What are the most affordable, LGBTQ+ friendly cities in the United States?

On this Queer Money, we're taking a break from our usual look at individual states. We wanted to share the the top 10 most affordable, LGBTQ+ friendly cities so far from the first 25 states we’ve covered from Montana to Wyoming.

All of these cities scored a 100 on the Human Rights Campaigns Municipal Equality Index.

So, for this list our focus is on the city-level cost of living, the US Census data on incomes and Zillow's data on housing and rent prices.

Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here.
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How I Grew a 3 Millon Portfolio with Dividend Dream | Queer Money Ep. 432 Aug 29, 2023

She's queer, she's a dividend investor and she's reached financial independence.

Today on Queer Money, were interviewing an international woman of mystery with our guest Dream of The Dividend Dream on YouTube.

Dream shares her financial independence story from being the daughter of a single immigrant mother and what that taught her about money to how she's built a portfolio worth over $3 million that is paying her nearly $100k per year in passive income.

Sound like a dream? It's not. It's The Dividend Dream.

For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe

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The Best Gay City to Live in Montana | Queer Money Ep. 431 Aug 24, 2023

This week's Most Affordable LGBTQ+ cities come from a state where 72% of the population agrees that there should be protections for the LGBTQ+ community. It's also a state that consistently has one of the highest number of bookstores per capita.

This state is home to an abundance of wildlife, including some of the most iconic creatures in North America, including grizzlies, wolves, bison, and elk. Most of this wildlife can be seen in one of the biggest National Parks in the country; Yellowstone.

Although it's sparsely populated, it is a big attractor for many of the Hollywood elite when they want to get away.

This week were taking a look at Montana. It's not often thought of as a great place for LGBTQ folks, but there are a few surprises

We'll share the top two based the data we've pulled from The Human Rights Campaign's Municipal Equality Index, city-level cost of living, the US Census data on incomes and Zillow's data on housing and rent prices.

Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here.
Watch this episode on YouTube
Don't miss the other states we've covered in this Gay Cities series

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The Pros and Cons of Having an ESPP Account | Queer Money Ep. 430 Aug 22, 2023

Per AON, a global professional services firm, 49.0% of S&P 500 companies and 38.5% of Russell 3000 companies offer ESPPs.

ESPP or Employer Stock Purchase Plan is a great tool for building wealth and adding to your investing portfolio.

What are the pros and cons of participating in your employer's plan?
What are some of the common aspects?
Are there tax consequences in participating?

We take a look at these questions and more on this episode of Queer Money.

For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe

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The Best Gay City to Live in Nebraska | Queer Money Ep. 429 Aug 17, 2023

The state where the Ruben sandwich hales from, where Kool-aid was invented, vast prarie land and a long & rich history of African-American music, including jazz, blues, & gospel.

This state where 65% of the population either strongly favors or favors laws that would protect gay, lesbian, bisexual, and transgender people against discrimination in jobs, public accommodations, and housing

If you don't know, we're talking about Nebraska! It's not often thought of as a great place for LGBTQ folks, but there are a few surprises

We'll share the top two based the data we've pulled from The Human Rights Campaign's Municipal Equality Index, city-level cost of living, the US Census data on incomes and Zillow's data on housing and rent prices.

Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here.
Watch this episode on YouTube
Don't miss the other states we've covered in this Gay Cities series

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What’s Funding LGBT Hate Groups? | Queer Money Ep. 428 Aug 15, 2023

Why is there a proliferation of anti-LGBTQ legislation?
How are businesses taking court cases to the Supreme Court that encourage and allow discrimination against LGBTQ people?
Why are school boards around the country being populated with ultra-conservative, religious right moms and dads?

Yes, the LGBTQ+ community is clearly under attack. Why is this happening to the degree that it is right now? It's in part because of a well-financed strategic plan being carried out and financed by the religious-industrial complex.

We talked in brief about this on episode 386 of the podcast. This week we invite Toby Salinger of the Financial Planning magazine to share his in-depth research that digs even deeper on this topic.

Please consider sharing this episode with your LGBTQ+ friends. It could mean our right to exist.

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The Best Gay City to Live in Nevada | Queer Money Ep. 427 Aug 10, 2023

The Silver State is known for Las Vegas, the Hoover Dam, the Valley of Fire and a state with no income taxes.

This state where 68% of the population supports LGBTQ+ protections at the state level.

Of course, we're talking about Nevada! But is it affordable for queer folks to live?

We'll share the top two based the data we've pulled from The Human Rights Campaign's Municipal Equality Index, city-level cost of living, the US Census data on incomes and Zillow's data on housing and rent prices.

Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here.

For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe

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How to Align Your Spending with Your Values | Queer Money Ep. 426 Aug 08, 2023

Ever ask yourself...

What is values-based spending?
How do you determine what are your real values?
Will aligning your spending and your values bring you more happiness and financial well-being?

We answer all of these questions this week on the Queer Money podcast.

We're joined by Adam Davis, of Capital One, who shares steps that we can use and tips on tools that allow us to align our spending and our values to enhance our lives without having to stress or work extra.

For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe

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The Best Gay City to Live in New Hampshire | Queer Money Ep. 425 Aug 03, 2023

The Granite State is know for maple syrup, Hampton Beach, the shortest shoreline in the U.S. and amazing wild life and nature.

This state also ranks as the #1 state that thinks there should be LGBTQ+ protections coming in at 81% of the population.

Of course, we're talking about New Hampshire! But is it affordable for queer folks to live?

We'll share the top two based the data we've pulled from The Human Rights Campaign's Municipal Equality Index, city-level cost of living, the US Census data on incomes and Zillow's data on housing and rent prices.

Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here.

For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe

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Being Your Authentic Self as an Entrepreneur | Queer Money Ep. 424 Aug 01, 2023

Your voice can be one of your most powerful tools.

Yet, it can be nearly worthless if you're not speaking with authenticity.

How do we as LGBTQ+ entrepreneurs use our voice as a powerful tool to show our authentic selves?

On this Queer Money, Matt Halloran of Proud Mouth joins us this week to share how he helps his clients and can help us to do just that.

For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe

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The Best Gay City to Live in New Jersey | Queer Money Ep. 423 Jul 27, 2023

The Jersey Shore, Atlantic City, Ellis Island and the Statue of Liberty.

Wait, what? You heard that right the Garden State is home to the Statue of Liberty.

This state also ranks as the #7 state when it comes to the population thinking that homosexuality should be accepted by society!

It's also becoming one of the best retirement destinations for LGBTQ+ couples.

Of course, we're talking about New Jersey! But is it affordable for queer folks to live?

We'll share the top two based the data we've pulled from The Human Rights Campaign's Municipal Equality Index, city-level cost of living, the US Census data on incomes and Zillow's data on housing and rent prices.

Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here.

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How Changes to 529 Plans Could Fund Your Retirement | Queer Money Ep. 422 Jul 25, 2023

How does the new law change affect excess 529 plan funds? In December 2022, SECURE Act 2.0 was signed into law to enhance retirement savings opportunities for Americans.

One of the changes will have a big impact on 529 plans and what can be done with the investments in the plan.

The change will allow 529 plan funds to be moved directly into the plan beneficiary's Roth IRA.

So, what are 529 plans and how can they be used?

On this week's show, we invite Paul Curley of The 529 Plan Conference to share with us the changes and how these may benefit LGBTQ youth and those thinking about retirement.

For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe

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The Best Gay City to Live in New Mexico | Queer Money Ep. 421 Jul 20, 2023

Nuclear bombs, aliens, chili peppers oh my! As George Takkai would say.

This state ranks as the #7 state when it comes to the population thinking that homosexuality should be accepted by society ahead of California and New York!

It's also becoming one of the best retirement destinations for LGBTQ+ couples.

Of course, we're talking about New Mexico! But is New Mexico a state that is affordable for queer folks to live?

We'll share the top two based the data we've pulled from The Human Rights Campaign's Municipal Equality Index, city-level cost of living, the US Census data on incomes and Zillow's data on housing and rent prices.

Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here.

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Does the LGBTQ+ Community Still Have Corporate Allies? | Queer Money Ep. 420 Jul 18, 2023

2023 has been quite the year for the LGBTQ+ community.

There are over 500 state and local level bills being pushed to limit the rights of the LGBTQ community, limit our voices in politics and erase us from view.

We are especially seeing this play out with corporations. From seeing Disney being attacked for their standing by the community to Anheuser Busch being cancelled by the Religious Industrial Complex due to the Bud Light partnership with transgender entertainer Ddylan Mulvaney partnership.

This raises many questions about the whether we will see corporations who have been advocates and supporters of the community go silent and pull financial support where it is desperately needed.

To discuss this we chat with Joel Dantas-Shoemaker of Q.Ditital, the ower of LGBTQ+ Nation, Queerty and Into publications.

For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe

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The Best Gay City to Live in New York | Queer Money Ep. 419 Jul 13, 2023

Home of the Big Apple, Niagra Falls and Adirondack Park, which is bigger than both Yellowstone and Yosemite

It ranks as the #8 state when it comes to the population thinking that homosexuality should be accepted by society behind New Jersey, but ahead of California.

It's also home to one of the most commonly thought of best places for LGBTQ+ folks to live.

Of course, we're talking about New York state, but is there anywhere in the state that is affordable for queer folks to live?

We'll share the top two based the data we've pulled from The Human Rights Campaign's Municipal Equality Index, city-level cost of living, the US Census data on incomes and Zillow's data on housing and rent prices.

Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here.

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The Easiest Way to Cancel Subscription Services | Queer Money Ep. 418 Jul 11, 2023

Per Bankrate in May 2023, 52% of respondents to recent study listed money as biggest toll on mental health issues.

The Wall Street Journal in April published an article titled People Are Sick and Tired of All Their Subscriptions

Subscriptions per user peaked in the 3rd quarter 2022, but ⅓ of respondents to a Credit Karma claimed their biggest financial mistake in 2022 was paying for services they did not use.

Today on Queer Money, we're sharing 7 ways you can cut those subscriptions and add some money back into your budget.

For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe

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The Best Gay City to Live in North Carolina | Queer Money Ep. 417 Jul 06, 2023

The Right Brothers National Memorial, the Outer Banks, Carolina BBQ and friend green tomatoes, the food, not the film.

The home of another "Don't Say Gay" bill, but where 54% of voters are in opposition of religiously based refusals to serve gay and lesbian people.

We're talking about North Carolina.

Are there any places where LGBTQ+ folks feel like they can have a home and feel safe?

We'll share the top two based the data we've pulled from The Human Rights Campaign's Municipal Equality Index, city-level cost of living, the US Census data on incomes and Zillow's data on housing and rent prices.

Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here.

For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe

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Social Security Payment Strategies | Queer Money Ep. 416 Jul 04, 2023

Social security accounts for roughly 40% of retiree's post-retirement income.

But many have questions about taking those payments, like:

When should I start taking Social Security payments?
What if my partner and I have a big disparity in age?
Should we take SS payments at different times?
What if we have a big disparity in income?

CPA Mike Piper, author of Social Security Made Simple joins us on this Queer Money episode to discuss these types of Social Security payment questions and more.

For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe

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The Best Gay City to Live in North Dakota | Queer Money Ep. 415 Jun 29, 2023

It's one of the least populated states with under 800,000 people.

It's home to the Theodore Roosevelt National Park and the Plains Art Museum, highlighting Native American art and inspired the desire for National parks in the U.S.

It's also where David's family comes from.

We're talking about North Dakota.

Are there any places where LGBTQ+ folks feel like they can have a home and feel safe?

We'll share the top two based the data we've pulled from The Human Rights Campaign's Municipal Equality Index, city-level cost of living, the US Census data on incomes and Zillow's data on housing and rent prices.

Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here.

For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe

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How Protective Puts Can Save Your Portfolio | Queer Money Ep. 414 Jun 27, 2023

There are many ways to make money investing.

One of those ways is with cash-secured puts or protective puts.

Protective puts are an example of making your money work to make more money.

We've invited Nate Thomas, better known as Trader Nate on the podcast this week to share with us more about what protective puts are and how you can use them to turbocharge your investing and retirement portfolio.

For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe

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The Best Gay City to Live in Ohio | Queer Money Ep. 413 Jun 22, 2023

Oh, hi, OH!

Yes that's my dad joke.

The Buckeye state. Home to the Rock and Roll Hall of Fame, the Football Hall of Fame and one of the most populous Rust Belt states in America.

Ohio, with roughly 11,750,000 people is clearly a state with lots and lots of LGBTQ people. Yet is it LGBTQ+ friendy?

What are the most affordable LGBTQ+-friendly cities in Ohio?

We'll share the top two based the data we've pulled from The Human Rights Campaign's Municipal Equality Index, city-level cost of living, the US Census data on incomes and Zillow's data on housing and rent prices.

Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here.

For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe

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Why You Don't Need a Budget | Queer Money Ep. 412 Jun 20, 2023

Budget; it's a word that for many incites anger, fear, dread and pain.

Do you really need to budget?
Wanna quit your budget?
Tired of hating your debt?

Money expert Dana Miranda joins us this week to share how you don’t need a budget or to hate debt.

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The Best Gay City to Live in Oklahoma | Queer Money Ep. 411 Jun 15, 2023

Native American History, Black Wall St., Sooner football and the only state in the U.S. that produces iodine.

Where are we this week?

We're in Oklahoma

Oklahoma is exactly known as the bastian of LGBTQ+ friendliness, but of course it's a state and their are people there, so queer folks are there too, especially those of Native American heritage.

So, what are the most affordable LGBTQ+-friendly cities in Oklahoma?

We'll share the top two based the data we've pulled from The Human Rights Campaign's Municipal Equality Index, city-level cost of living, the US Census data on incomes and Zillow's data on housing and rent prices.

Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here.

For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe

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How Physical and Mental Health Affect Financial Health | Queer Money Ep. 410 Jun 13, 2023

Health is wealth, right?

Yes, but how? Why? When?

Our physical and mental health can both be affected by our financial health and vice versa.

To help us dig a bit deeper into this, we've invited Matt Boyles, author of The Fitter Confident Youniverse to share with us how he's working with GBTQ men to achieve physical and mental confidence and how this can and is helping their finances.

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The Best Gay City to Live in Oregon | Queer Money Ep. 409 Jun 08, 2023

Mushrooms, microbreweries, the great outdoors and Mt Hood. What are we talking about? Orgeon of course.

Oregon is packed full of LGBTQ+ folks, especially in Portalnd. What about the rest of the state?

So, what are the most affordable LGBTQ+-friendly cities in Oregon?

We'll share the top two based the data we've pulled from The Human Rights Campaign's Municipal Equality Index, city-level cost of living, the US Census data on incomes and Zillow's data on housing and rent prices.

Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here.

For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe

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How to Find and Ask for Remote Work from Home | Queer Money Ep. 408 Jun 06, 2023

Remote work; it's the dream of almost everyone today.

Yet, more and more employers are starting to ask staff to return to the office now that social distancing isn't required and the pandemic appears to be winding down.

So, how do you find or ask for remote work?

We wondered as well, so we asked remote work specialist Daniella Flores of I Like to Dabble to join us and provide their expertise.

Daniella shares their experience in finding and asking for remote work as well as shares with our listeners tools to use that can help LGBTQ+ folks find jobs working where they're most comfortable.

For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe

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The Most Affordable Gay City to in Pennsylvania | Queer Money Ep. 407 Jun 01, 2023

The Liberty Bell, the City of Brotherly Love, one of the biggest swing states in national elections. What are we talking about? Pennsylvania of course.

Pennsylvania is packed full of LGBTQ+ folks. It's bookended by two big cities, Philadelphia and Pittsburg.

So, what are the most affordable LGBTQ+-friendly cities in Pennsylvania?

We'll share the top two based the data we've pulled from The Human Rights Campaign's Municipal Equality Index, city-level cost of living, the US Census data on incomes and Zillow's data on housing and rent prices.

Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here.

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10 Ways to Make $1,000 Fast | Queer Money Ep. 406 May 30, 2023

The two biggest concerns for folks from the Motley Fool/Debt Free Guys LGBTQ+ Money Study in 2022 was the concern of keeping up with the cost of living and making enough money.

Many have turned to side hustles and side gigs as a way to make $50-$1000 a week extra.

On this Queer Money we share 10 ways to make $1,000.

Have you tried any of these? If so, drop us a DM on Instagram or Twitter to let us know which have worked for you. See the links below to DM us.

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The Best Gay City to Live in Rhode Island | Queer Money Ep. 405 May 25, 2023

What's Rhode Island known for? How about clams, beaches, Providence, New Port and clam chowder?

We know that there are LGBTQ+ folks living in Rhode Island. It's often viewed as an easy get away spot for people coming from Boston and New York.

So, what are the best gay cities in Rhode Island?

We'll share the top two based the data we've pulled from The Human Rights Campaign's Municipal Equality Index, city-level cost of living, the US Census data on incomes and Zillow's data on housing and rent prices.

Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here.

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How to Make Money with Covered Calls | Queer Money Ep. 404 May 23, 2023

There are many ways to make money investing.

One of those ways is with covered calls.

Covered calls are an example of making your money work to make more money.

We've invited Nate Thomas, better known as Trader Nate on the podcast this week to share with us more about what covered calls are and how you can use them to turbo charge your investing and retirement portfolio.

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The Best Gay City to Live in South Carolina | Queer Money Ep. 403 May 18, 2023

Tasty barbeque, peach production, the birthplace of sweet tea, Charleston, sandy beaches and Fort Sumner; all things South Carolina is known for.

We know that there are LGBTQ+ folks living in South Carolina and it appears to be moving up the list as a retirement destination for more and more Americans.

So, what are the best gay cities in South Carolina?

To be real, we were quite shocked by the results.

We'll share the top two based the data we've pulled from The Human Rights Campaign's Municipal Equality Index, city-level cost of living, the US Census data on incomes and Zillow's data on housing and rent prices.

Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here.

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How to Manifest More Money and Abundance | Queer Money Ep. 402 May 16, 2023

Want more money?

Duh! Don't we all?

But how do you manifest more money into your life? How do you attract the things into your life that will give you abundance, both financially and in other areas of life?

On this week's Queer Money, we're joined by Nick Demos, a manifestation and mindset coach to share with us his 4 step process and how we can let go of old money stories and write new ones that will allow us to manifest financial abundance as LGBTQ folks.

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The Best Gay City to Live in South Dakota | Queer Money Ep. 401 May 11, 2023

Great faces, great places.

South Dakota, know for Mount Rushmore, the Black Hills, Native American Day (every second Monday in October) and the Crazy Horse Memorial.

We know that there are LGBTQ+ folks living in South Dakota. It was the state David went to to "find himself," before he came out to his family and was disowned.

So, what are the best gay cities in South Dakota?

To be real, we were quite shocked by the results.

We'll share the top two based the data we've pulled from The Human Rights Campaign's Municipal Equality Index, city-level cost of living, the US Census data on incomes and Zillow's data on housing and rent prices.

Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here.

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How to Be a Financial Feminist with Tori Dunlap | Queer Money Ep. 400 May 09, 2023

Happy 400th Queer Money podcast episode!

We hope you've enjoyed them all as much as we have.

What is a financial feminist?
What does it mean to dismantle the financial patriarchy?
How do we be more inclusive with our finances?

On this Queer Money we are joined by Tori Dunlap of Her First $100k and the author of Financial Feminist: Overcome the Patriarchy’s Bullshit to Master Your Money and Build a Life You Love.

Tori has become a beacon of realness and empowerment for marginalized communities in the personal finance space.

We thoroughly enjoyed this episode. We're sure you will too.

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The Best Gay City to Live in Tennessee | Queer Money Ep. 399 May 04, 2023

Graceland, Dollywood, the Great Smokey Mountains and the Blues, all things Tennesee is known for across America and the world.

We know that there are LGBTQ+ folks living in this state and some we know who have moved there recently.

So, what are the best gay cities in Tennessee?

We'll share the top two based the data we've pulled from The Human Rights Campaign's Municipal Equality Index, city-level cost of living, the US Census data on incomes and Zillow's data on housing and rent prices.

Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here.

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How to Build a Profitable Email List | Queer Money Ep. 398 May 02, 2023

Want to make money online?

If so, one of your most valueable assets will be your email list.

But isn't email so "2008, 2000 and late?"

Not according to Chenell Basilio who joins us this week on Queer Money to share what she's learning from disecting how other online rockstars are building massive email lists and making millions every year.

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The Most Affordable LGBTQ+ Friendly City in Texas | Queer Money Ep. 397 Apr 27, 2023

Yee haw!

We're headed to cowboy country.

Is there an LGBTQ+ friendly and affordable place in Texas?

We dig through 14 cities and towns to land on two that we think may be great options for LGBTQ+ folks.

Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here.

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What’s Dividend Investing and Why Should I Care | Queer Money Ep. 396 Apr 25, 2023

What is dividend investing?
How is dividend investing used to build financial independence?
Can dividend investing produce cash flow to cover my living expenses?

These questions and more are covered on this week's Queer Money.

We invited our long-time friend and colleague Joseph Hogue of Let's Talk Money on the podcast to get his take on dividend investing.

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The Best Gay City to Live in Utah | Queer Money Ep. 395 Apr 20, 2023

Utah is home to the Great Salt Lake and world-class ski resorts.

It's a beautiful state with Zion National Park and other stunning natural landmarks.

It's never referred to as one of the liberal places in the country, so is it a place that is both affordable and LGBTQ+ friendly?

We dig through 6 cities and towns to land on two that we think may be great options for LGBTQ+ folks.

Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here.

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11 Ways Queer Students Can Afford Out-of-State Tuition | Queer Money Ep. 394 Apr 18, 2023

According to Student Loan Hero, LGBTQ+ students graduate with on average about 16% more student loan debt than their non-LGBTQ+ counterparts.

Why?

One reason may be that they are fleeing non-affirming and dangerous households, cities and states.

With the rise of anti-LGBTQ+ bills in many states, queer students are more likely to try to find out-of-state colleges and universities to attend. This will increase their costs due to out-of-state tuition costing considerably more.

On this Queer Money, we share 11 ideas that LGBTQ+ students can use to help control the cost of out-of-state tuition.

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The Best Gay City to Live in Vermont | Queer Money Ep. 393 Apr 13, 2023

Vermont is filled with beautiful little towns and cities.

It's often referred to as one of the most liberal places in the country, but is it a place that is both affordable and LGBTQ+ friendly?

We dig through 6 cities and towns to land on two that we think may be great options for LGBTQ+ folks, especially those looking for a place away from the big city life.

Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here.

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How to Spot and Stop Financial Fornication | Queer Money Ep. 392 Apr 11, 2023

What is financial fornication?

Sounds like something we'd all want to avoid. Unfortunately, many of us are committing it.

We've invited Tarra "Ms Money" Jackson to share her perspective and what the follow are:

Financial fornication
STD (substantially tremendous debt)
The similarities between credit and sex (and why you should use protection in both cases)

Also, make sure you're subscribed to the Queer Money newsletter for a chance to win Tarra's book.

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The Best Gay City to Live in Virginia | Queer Money Ep. 391 Apr 06, 2023

Virginia is for lovers!

Well, at least that's their state slogan.

So how about LGBTQ+ lovers?

On this Queer Money bonus episode, we take a look at the top affordable and LGBTQ+-friendly cities in Virginia.

Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here.

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How Freelance Writing Can Make You More Money | Queer Money Ep. 390 Apr 04, 2023

Looking for a new career or to make money on the side?

Freelance writing can make you more money.

But

How do you get started?
How can I find paying gigs?
How much can I actually make?
What tools should I use?

These are all the questions we ask 6-figure freelance writer Miranda Marquit on this week's Queer Money.

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The Best Gay City to Live in Washington - Queer Money Ep. 389 Mar 30, 2023

Affordability versus LGBTQ-friendliness, the next city in our series is the best gay city to live in Washington.

Find out which gets the top spot.

Is it Seattle, Tacoma, Olympia, Spokane or somewhere completely different?

Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here.

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5 Reasons to Consider Buying Bonds - Queer Money Ep. 388 Mar 28, 2023

Inflation’s nuts. Rates are everywhere. How do you plan for today and retirement?

Today we're joined by Kate Dore, personal finance reporter for CNBC to discuss bonds and specifically I-bonds and how they can be used in your retirement portfolio.

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The Best Gay City to Live in West Virginia - Queer Money Ep. 387 Mar 23, 2023

Continuing our most affordable, LGBTQ+ friendly city in each state, this week we share the best city for LGBTQ+ people in West Virginia.

Which city do you think it is?

Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here.

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How Donor Advised Funds Harm LGBTQ Americans - Queer Money Ep. 386 Mar 21, 2023

On this week’s Queer Money, we’re naming names and calling out some in personal finance to show how donor advised funds harm LGBTQ Americans.

You might be surprised to see who's hurting the community and how many are accidentally doing it.

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The Best Gay City to Live in Wisconsin - Queer Money Ep. 385 Mar 16, 2023

We're off to state #2; Wisconsin.

This week we tackle the state of Wisconsin. We share our methodology and then the runner-up and the most affordable gay-friendly city in the state.

Make sure you let us know your thoughts, especially for those of you living in Wisconsin.

Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here.

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Happy Money Happy Life with Jason Vitug - Queer Money Ep. 384 Mar 14, 2023

Can money buy happiness?

On this Queer Money®, Jason Vitug author of Happy Money Happy Life says it can.

Listen to find out how.

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The Best Gay City to Live in Wyoming - Queer Money Ep. 383 Mar 09, 2023

It's here! The first state in our list.

This week we tackle the wide-open state of Wyoming. We share our methodology and then the runner-up and the most affordable gay-friendly city in the state.

Make sure you let us know your thoughts, especially for those of you living in Wyoming.

Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here.

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3 Easy Steps to Start Real Estate Investing - Queer Money Ep. 382 Mar 07, 2023

Real estate has been one of the best wealth builders of all time. For many investing in real estate can be scary.

If you've been wanting to get into real estate but just can’t make the leap you'll enjoy this week's Queer Money with Tom of The Frugal Gay.

Tom shares with us 3 easy steps to take to start real estate investing and how he uses tools like Grindr as a way to find real estate that fits his investing ideals.

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The Best Gay City in Each State - Queer Money Ep. 381 Mar 02, 2023

Where’s the best city for gay people to live and retire? Join us as we kick off our new Queer Money bonus series on the best gay city in each state.

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What You Should Know about Self-Directed IRAs - Queer Money Ep. 380 Feb 28, 2023

The truth is nearly every IRA is a self-directed IRA, but the term Self-directed IRA refers to a special kind of IRA that allows for more investment options, including things like real estate and even horses.

Want to know more? Find out on this week's episode.

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LGBTQ HealthCare and Race in America - Queer Money Ep. 379 Feb 23, 2023

Does race matter when it comes to having healthcare in the Queer community?

That was basically a question from one of our listeners and we answer that based on data from the LGBTQ+ Money Study.

Get more info/data from The Motley Fool/Debt Free Guys LGBTQ+ Money Study.

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How to Overcome FEAR in the Queer Community - Queer Money Ep. 378 Feb 21, 2023

Many of us walk a tightrope to not upset society or our own community.

On this week's show, we confess some of our own feelings and worries and how we're trying to shed them.

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The Top Investments Queer People Need - Queer Money Ep. 377 Feb 16, 2023

There are two leading wealth builders in the world today and many of us missing out on them. Here are the top investments queer people need ASAP.

We share these and where we stand as a queer community with more data from the LGBTQ+ Money Study.

Get more info/data from The Motley Fool/Debt Free Guys LGBTQ+ Money Study.

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5 Tips to Win at Infladating - Queer Money Ep. 376 Feb 14, 2023

Infladating, what's that?

Post-COVID and in the heart of the Great Inflation, dating’s harder than ever. That means you’ll want to hop on this new trend called infladating.

This week we share with you 5 tips that will help you win.

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3 Best Tips to Build a Rainy Day Fund - Queer Money Ep. 375 Feb 09, 2023

It’s one of the best tools for our mental health - financial security. Here’s why and how LGBTQ+ people can build a rainy day fund.

Get more info/data from The Motley Fool/Debt Free Guys LGBTQ+ Money Study.

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How to Build Wealth as First Generation Immigrants | Queer Money Ep. 374 Feb 07, 2023

So much of personal finance success is based on our money stories.

And our money stories are written by our background, our race, our gender or sexual orientation—all the things that have nothing to do with math and everything to do with who we are.

So, what if you’re a first-generation immigrant who grew up in poverty? What if you face sexism and racism on a daily basis? Can you still build wealth and get on a path to financial independence?

Sunem and Israel Tovar are the first-generation Latinx siblings behind The Dream Teacher Project, a coaching platform that empowers teachers, women and other marginalized communities to build generational wealth and they are our guests on this Queer Money.

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The State of LGBTQ Credit in the US - Queer Money Ep. 373 Feb 02, 2023

Got credit? Got good credit?

Evidently, LGBTQ+ folks are doing well when it comes to credit scores.

We break it down in this week's Queer Money, along with 3 steps you can take to improve if your starting out or need to do better.

Get more info/data from The Motley Fool/Debt Free Guys LGBTQ+ Money Study.

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How to Care for a Sick Spouse in Case of Your Death - Queer Money Ep. 372 Jan 31, 2023

This week on Queer Money we're answering a listener question about caring for a disabled spouse and preparing in case you pass away before them.

We share tips on what tools and services you need and some things to consider when it comes to social security.

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What's the State of Healthcare in the Queer Community? - Queer Money Ep. 371 Jan 26, 2023

Healthcare in America’s ugly.

But a new study suggests that healthcare in the queer community may be better than we think.

Data from The Motley Fool Debt Free Guys LGBTQ+ Money Study is encouraging and we discuss some of that on this bonus episode.

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Active vs Passive Investing: Why You Don’t Need an Advisor - Queer Money Ep. 370 Jan 24, 2023

On this week's Queer Money, you're invited into a Debt Free Guys family discussion on whether or not we need a financial advisor.

We're talking active versus passive investing and which might be better for us in our current situation.

Are you using a financial advisor?

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Are LGBTQ People Investing in the Stock Market - Queer Money Ep. 369 Jan 19, 2023

When asked if they invest outside of a retirement account for The Motley Fool/Debt Free Guys LGBTQ+ Money Study, a plurality or 44% of LGBTQ+ respondents lead by transgender respondents, at 56%, said they do.

Many LGBTQ+ folks don't invest because they don't know where or how to invest or don’t feel comfortable with investing.

Fortunately, there are several easy places to start investing. We share them on this Queer Money bonus episode.

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The Top LGBT Inclusive Cities for Business—with George Perlov of Open for Business - Queer Money Ep. 368 Jan 17, 2023

Some cities are open for business to LGBTQ+ people. And some are not.

But the cities that ARE tend to be more economically dynamic, innovative, attractive to high-skilled workers and have a higher quality of life.

So, which cities are more open to the queer community? And which ones aren’t?

George Perlov serves as Eastern Europe Programs Lead at Open for Business, a coalition of more than 35 leading global companies dedicated to LGBTQ+ inclusion around the world.

On this episode of Queer Money, George joins us to explore the Open for Business City Ratings report, explaining how cities are ranked in terms of economic competitiveness and LGBTQ+ rights.

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The Truth Behind the LGBTQ Wage Gap - Queer Money Ep. 367 Jan 12, 2023

Some studies are showing that the LGBTQ income gap is closing, but is this really true? Why might some research suggest this? Listen and find out.

We dive into some very interesting U.S. Census data that may point to why this appears to be the case and what we can do with this info as queer folks.

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Why We’re So Bad at Predicting Happiness - Queer Money Ep. 366 Jan 10, 2023

Why do we do the same things and expect different results? Turns out humans are bad at predicting happiness for themselves.

That's the conclusion from Dr. Randy Paterson, author of How to Be Miserable: 40 Strategies You Already Use.

Dr. Paterson joins us this week to discuss how this may be having an impact on our finances and how we might be able to change it.

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How Salary Transparency Helps LGBTQ People - Queer Money Ep. 365 Jan 05, 2023

Do you know the one thing LGBTQ people won’t talk about?

Politics? Religion? Sex?

Uh, no, no and definitely NO!

What is it?

Their income.

We're not part of the salary transparency conversation, evidently.

So we're talking about why that might be the case on this Queer Money bonus episode.

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How to Retire in 10 Years or Less - Queer Money Podcast Ep. 364 Jan 03, 2023

On this episode of Queer Money, we explain how to retire in 10 years or less, challenging you to get clear on what you want retirement to look like and map out the resources you need to make it happen.

We discuss the benefit of investing for growth, maximizing your contributions to retirement savings, and consolidating accounts from previous employers in the years leading up to retirement.

Listen in for insight on paying off unnecessary debt before you retire and learn what steps to take NOW to retire on time and live the retirement lifestyle you want!

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Financial Priorities and Concerns of LGBTQ+ People Based On Research - Queer Money Ep. 363 Dec 29, 2022

When it comes to money, what are you most concerned with?

Inflation or outliving your money? Here’s what most LGBTQ folks are focused on financially.

We shared on last week’s bonus episode that the queer community is stressed about its finances.

So, we dug deeper into the data from The Motley Fool/Debt Free Guys LGBTQ+ Money Study to figure out what the community’s most focused on when it comes to our money and were sharing that along with 3 solutions to help on this week's episode.

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Financial Coaching: What It’s Like to Work With a Money Coach - Queer Money Ep. 362 Dec 27, 2022

Talking about money with your partner is tough enough. Now, imagine having that conversation on national television!

Hannah & Juliette are a lesbian couple from Philadelphia who appear on Opportunity Knock$, a PBS show where money coaches Jean Chatzky, Patrice Washington and Louis Barajas help families overcome their financial challenges and build better lives.

On this episode of Queer Money®, Hannah & Juliette join us to share their experience on Opportunity Knock$ and explain what they learned from working with a money coach.

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Financial Stress is Killing You. Here’s What You Can Do About It - Queer Money Ep. 361 Dec 22, 2022

The queer community has a lot to be concerned with, not least of which is our money. Find out the major stress of LGBTQ people on today’s Queer Money.

On this bonus episode, we're breaking down and providing some solutions to one of the biggest stressors for folks in the LGBTQ+ community.

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What’s Missing in the LGBTQ Community? - Queer Money Ep. 360 Dec 20, 2022

Dr. Billy Hensley is President and CEO of NEFE, a nonprofit committed to advancing effective financial education and promoting financial well-being.

On this episode of Queer Money®, Dr. Hensley joins us to discuss NEFE’s 2022 LGBTQIA+ Experiences with Financial Education and Services Survey and share some of his key takeaways from the study.

Dr. Hensley offers insight on what financial services can do to better serve the queer community, explaining why it’s crucial to tell the story of the LGBTQ+ money experience and how to make financial education more accessible and inclusive.

Listen in to understand the value of a good financial education and learn how the queer community can use the NEFE data to advocate for ourselves!

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How Should My Partner and I Split Finances - Queer Money Ep. 359 Dec 15, 2022

There are some things you want to get right. That’s why we’re answering a common question today, “how should my partner and I split our finances?

It's a common question we get and there's data from the Motley Fool/Debt Free Guys LGBTQ+ Money study that highlights what we are doing as a community.

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Holiday Budgeting: Save Money with These Simple Money Tips - Queer Money Ep. 358 Dec 13, 2022

Yes, the holidays are a wonderful time of year, bringing people together to celebrate and reflect.

But they can also be a challenging time in our financial lives, tempting us to spend money unconsciously.

So, what can you do to maintain your financial well-being in this season of spending?

On this episode of Queer Money, Jen DeLoyd, Head of Checking and Consumer Insights at Capital One, joins us to discuss what it means to spend responsibly and describe how spending habits impact financial well-being.

Jen explains the staggering disconnect between how we prefer to spend and the choices we’re actually making, challenging us to reflect on our spending habits during the holidays this year.

Listen in for Jen’s insight on leveraging the holidays to teach your kids about money and learn about the tools Capital One offers to help you spend responsibly this holiday season!

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5 Things Trans Folks Are Doing Right with Money - Queer Money Ep. 357 Dec 08, 2022

The Motley Fool/Debt Free Guys LGBTQ+ Money Study definitely brought to light things that queer folks are doing well and need to improve on.

We've been surprised at how the 702 transgender respondents to the survey are doing.

On this Queer Money bonus episode, we're sharing 5 things that the study shows transgender folks are doing well and that the rest of us can learn from.

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How to Share Your Money Goals with Friends & Family - Queer Money Ep. 356 Dec 06, 2022

When we want to make a change in our lives, whether it's a financial goal or a personal one, we often get scared as to what other people are going to think.

We’re nervous about what our friends and family might say. And we worry that sharing might disrupt the relationship we have with those people.

But there are ways to beak the news of your money goals to the people you care about without losing those relationships!

On this episode of Queer Money®, we share the 9 steps we took to share our financial goals with friends and family, explaining how we decided who to tell and why it helps to prepare your message in advance.

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How to Manage the Holidays and Plan for 2023 - Queer Money Ep. 355 Dec 01, 2022

Feeling financial anxiety about the holiday season and next year? We get it. We feel the same way from too sometimes.

So, today we're sharing one of our favorite tips to manage the holidays and plan for 2023.

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How to Invest as a Service Industry Professional - Queer Money Ep. 354 Nov 29, 2022

Finance for folks in the service industry’s unique and no one’s talking about it, until now. On this Queer Money we chat with Barbara Sloan of Tipped Finance about how to invest as a service industry professional.

Barbara shares her story and experience working a variety of jobs in the service industry, earning most of her income from tips, in jobs like bartender, wait staff, stripper, and more and how she was able to live and create financial independence doing it.

Barbara takes a unique point of view in her book; Tipped: The life-changing guide to financial freedom for waitresses, bartenders, strippers, and all other service industry professionals. She shares some of that with us on the podcast.

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The Great News about Transgender Wages - Queer Money Ep. 353 Nov 24, 2022

We have much more progress to make, but the recent news about transgender wages is inspiring.

It may not feel like it, but not all financial stats about the queer community are negative. In fact, several data points in The Motley Fool/Debt Free Guys LGBTQ+ Money Study are quite positive, including data on the average income of transgender Americans.

On this week's bonus show we share that stat as well as some reasons why this may be happening and how the rest of the community can learn from it.

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How to Stop a Financial Train Wreck - Queer Money Ep. 352 Nov 22, 2022

This week on the Queer Money podcast we're providing some advice based on a listener question or request for help.

The listener feels like they are in a hopeless situation with their finances and want to know what they can do.

Listen in as we provide 5 steps that can be taken when you feel like your finances are a train wreck.

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The Kind of Debt LGBTQ+ People Have Most - Good vs Bad - Queer Money Ep. 351 Nov 17, 2022

There's often an argument about whether there is such a thing as good debt versus bad debt. Either way, we know from the recent Motley Fool/Debt Free Guys LGBTQ+ Money Study that there is one type of debt LGBTQ folks aren't accumulating and that actually could be a bad thing for our wealth-building as a community.

On this Queer Money bonus episode, we take a look at this type of debt that fewer LGBTQ folks have and chat about why and how this may be holding us back. Plus, as always we share solutions that could help more in the community reach for financial independence.

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How Euphoria’s Simplifying Gender Transition - Queer Money Ep. 350 Nov 15, 2022

One of our favorite parts of our job is all of the amazing, diverse people we get to meet, and today’s guest, CEO and founder of Euphoria.LGBT is one of those people.

With apps such as Bliss, Solace, Devotion and more coming soon, Euphoria is streamlining, simplifying and lowering the cost of transitioning for its users.

On this episode of Queer Money, we chat with Kate Anthony about her and Eurphoria’s story and mission to help transgender folks not only live and transition easier, but to do it more efficiently and thus in a more affordable way, helping both her community, but also employers and our healthcare system.

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The Shocking News about Financial Services! - Queer Money Ep. 349 Nov 10, 2022

Wealth is created by many by taking advantage of the tools and resources that financial services, including banking, investing and life insurance provide for their customers.

So, why is wealth by and large elusive for LGBTQ folks?

Recent data may be a big indication.

On this Queer Money, we reflect on one of the most surprising pieces of data from this study.

Listen is as we discuss how many LGBTQ folks feel about financial services.

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How to Avoid the Debt Depression Spiral - Queer Money Ep. 348 Nov 08, 2022

Ever spend to make yourself feel better, only to end up feeling bad or worse when you get the bill in the mail and start the cycle over again? Then you’ve experienced the debt depression spiral.

Want to learn how to break the cycle and avoid getting sucked into it altogether?

We're breaking it down in this week's Queer Money.

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What Is THE Biggest Financial Fear of LGBTQ Folks - Queer Money Ep. 347 Nov 03, 2022

What are you most afraid of when it comes to money? See if yours are the same as the two biggest financial fears for most LGBTQ+ folks.

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How to be a Leader with Ash Beckham - Queer Money Ep. 346 Nov 01, 2022

The LGBTQ+ community needs leaders now as much as ever.

Are you that leader?

Ash Beckham shares how to be a leader every day on this Queer Money®.

Ash is the author of Step Up: How to Live with Courage and Become an Everyday Leader and joins us to talk about how each and every one of us can become an everyday leader.

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One Thing LGBTQ+ Investors Should Do First - Queer Money Ep. 345 Oct 27, 2022

We already shared on QM ep 339 that LGBTQ+ Americans are more likely, at 44%, to have a crypto wallet as we are a retirement account, and we talked about why we may have an affinity for crypto over traditional banking.

And we talked about the risks of forgoing some traditional banking products, but we didn’t share the other financial tools we are looking over - either in lieu of crypto or just all together.

On Queer Money episode 345, we're sharing some options we should be considering first and how we can do that as a community.

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What Michael Sayman Knows about LGBT Success - Queer Money Ep. 344 Oct 25, 2022

He's the App Kid! Known for developing his first app at 14 years old. He's also known for wanting to be adopted as the Native Son of both Peru and Bolivia.

When it comes to money, Michael has a backstory that many of us are blown away by, since from the time he started earning money via his apps he basically was financing his family rather than enjoying or saving the money for himself.

On this Queer Money, Michael shares his story, his fears and successes and what being a young gay man have to do with all of this.

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How Much Should I Contribute to My 401(k)? - Queer Money Ep. 343 Oct 20, 2022

On the previous bonus episode, 341, we talked mostly to those who don’t have a company-sponsored retirement plan, this week we’re talking mostly to those who do.

Per The Motley Fool/Debt Free Guys LGBTQ+ Money Study, when LGBTQ+ people have access to company-sponsored retirement plans, they’re most likely to contribute between 4% to 6%.

Is this enough? We discuss that on this bonus episode.

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Transgender Rights with Jack Knoxville - Queer Money Ep. 342 Oct 18, 2022

We are well aware that transgender rights are under attack here in the US. And the community is, of course, frustrated by the surge of anti-trans legislation and the slow pace of systemic change.

But Jack Knoxville reminds us to consider the big picture. For the first time in modern history, trans individuals are living their authentic lives.

So, even though it feels really heavy right now, in many ways, the transgender community is winning.

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The HUGE LGBT Retirement Problem - Queer Money Ep. 341 Oct 13, 2022

Imagine reaching 50, 55, 60 or even 70, wanting to retire, but you've not saved anything for it.

Sadly this is the case with far too many LGBTQ+ folks and there may be a big reason why.

On this Queer Money bonus episode, we take a quick look at more data from The Motley Fool/Debt Free Guys LGBTQ+ Money Study specific to retirement and access to retirement accounts for LGBTQ+ employees. We also share a couple of solutions to what is becoming a bigger issue for queer folks.

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How to Money with Jean Chatzky & Kathryn Tuggle - Queer Money Ep. 340 Oct 11, 2022

Ever think to yourself, I wish I had learned "all the money stuff" back when I was (insert age or time in the past)?

Us too. That's why we love to find other folks in the personal finance community that are helping young and old alike get that information in fun and interesting ways.

Jean Chatzky and Kathryn Tuggle are doing just that with their new book. That's why How to Money: Your Ultimate Visual Guide to the Basics of Finance is our new favorite book. Authors Jean Chatzky & Kathryn Tuggle are here to talk about it.

For a chance to win a copy of Jean and Katherine's book, subscribe here: https://queermoneypodcast.com/subscribe

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How Much Do LGBTQ+ Folks Love Crypto? - Queer Money Ep. 339 Oct 06, 2022

There was no greater love than man and man - until now! What’s changed? Crypto! See just how much LGBTQ+ folks love crypto on this Queer Money.

On this Queer Money bonus episode we take a quick look at more data out of The Motley Fool/Debt Free Guys LGBTQ+ Money Study specific to cryptocurrency and provide some thoughts on why the data is showing us an interesting trend among queer folks.

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Why We’re Rethinking Savings Strategies - Queer Money Ep. 338 Oct 04, 2022

Inflation today, recession tomorrow, lifetime goals next year. It seems like everything is in flux right now, especially with money and investing.

Is there something we can do to make things a bit more stable? Do we need to change our saving and investing strategies?

Guess what? John and David are!

We've invited James Morgan of Capital One to join us on the podcast to chat about strategies and things we can do today "hedge our bets" when it comes to where we put our money in 2022-23.

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What LGBTQ+ Americans Are Doing Well - Queer Money Ep. 337 Sep 29, 2022

As LGBTQ+, it can often feel as if we’re doing everything wrong. But not here and not now! Find out what LGBTQ+ Americans are doing well with money.

The new data out of The Motley Fool/Debt Free Guys money study is showing so exciting things happing with the finances for queer folks in America.

Get more info/data from The Motley Fool/Debt Free Guys LGBTQ+ Money Study.

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Should I Pay Off Debt or Invest My Money? - Queer Money Ep. 336 Sep 27, 2022

Here’s a not-so-easy question. Should I pay off the debt or invest my money?

In most cases, it’s not either/or.

On this Queer Money John and David break down six things to know first before you make your decision and then provide eight questions or suggestions that will help you make the best decision that is right for you and your finances.

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What the $1.4 Trillion LGBTQ+ Purchasing Power Means - Queer Money Ep. 335 Sep 22, 2022

What does it mean that the LGBTQ+ purchasing power is now at $1.4 trillion? How can we use this money wisely to our political and social advantage?

Find out on this Queer Money bonus episode.

Get more info/data from The Motley Fool/Debt Free Guys LGBTQ+ Money Study.

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7 LGBTQ Money Myths - Queer Money Ep. 334 Sep 20, 2022

Myths about money can make us make bad decisions. That’s why we’re busting these LGBTQ money myths to find better solutions and make better decisions.

Listen in as we tackle 7 myths that have a negative impact on our community and how we can turn them around to our advantage.

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The US LGBTQ Population Explosion - Queer Money Ep. 333 Sep 15, 2022

The US LGBTQ population’s growing.

There are many reasons why. We share how the queer community can use this to our financial and political advantage and how these numbers may have had an impact on The Motley Fool/Debt Free Guys LGBTQ+ Money Study.

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9 Ways to Stop Spending Money Unnecessarily - Queer Money Ep. 332 Sep 13, 2022

Want to stop spending money on unnecessary things? Well, you're not alone. According to a Capital One survey, it was the number one thing folks said they would like to change about their financial habits. But how?

We give you 9 ways this week to help reduce unnecessary and impulse spending.

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Why We Needed an LGBTQ+ Money Study - Queer Money Ep. 331 Sep 08, 2022

The dearth of data on LGBTQ+ finances was sad. That’s why we did an LGBTQ+ money study with The Motley Fool.

On this, the very first, Queer Money LGBTQ+ Money Study bonus episode we chat briefly about why we partnered with The Motley Fool to create the study.

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What FI/RE Is and Is Not - Queer Money Ep. 330 Sep 06, 2022

Have you ever felt that the FI/RE (Financial Independence/Retire Early) movement wasn’t for you because it was too restrictive?

Tired of hearing the FIRE police tell you exactly what you have to do, be, look like to be a part of the financial independence retire early movement?

Then you're in luck, because this week on Queer Money we break down some of the myths and misconceptions for you.

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What You Should Know about Regulation Crowdfunding - Queer Money Ep. 329 Aug 30, 2022

Ever wish you could "get in early" on an investment? Now you can through crowd-sourced investing or regulation crowdfunding.

On this week's Queer Money we chat with Read Ezell of Wefunder and Brandon Deroche of Propeller about the basics of crowdfunding and use Propeller, a social good entertainment company, as an example for us.

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What Can Be Done with Today’s Capitalism? - Queer Money Ep. 328 Aug 23, 2022

If today’s “capitalism” isn’t working for so many folks, what can be done to fix it?

In part 2 of our series on Capitalism vs. Anti-Capitalism, Hadassah Damian of the Bottom Lines Top Dollars podcast, joins us again to challenge our thinking and talk about solutions to the question of how can we fix or change Capitalism to be beneficial for all.

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A Debate on Capitalism Versus Anti-Capitalism - Queer Money Ep. 327 Aug 16, 2022

Capitalism, some folks want to “burn it all down,” but what happens next?

Since there is a vocal minority within the LGBTQ+ community who strongly oppose capitalism we think its important to have an open and honest discussion with both sides being covered. On this Queer Money, we debate the merits of capitalism versus anticapitalism.

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How to Calculate Your Retirement Number - Queer Money Ep. 326 Aug 09, 2022

When can I retire? Can I retire? How much do I need to retire? All questions folks regularly ask when thinking about their financial future and being able to quit the 9-5, sell their business or break away from the rat race and just slow down.

One of the keys is having an indication as to how much you'll need. There seems to be an endless supply of financial calculators out there. On this week's Queer Money we share 5 methods many folks us for a quick check on what their "number" is.

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5 Unique Steps to Reach Financial Independence - Queer Money Ep. 325 Aug 02, 2022

Want to reach financial independence and maybe even retire early?

This week we chat about 5 steps most folks don't take on their path to financial independence and how these can speed up the process of reaching your FIRE number and retiring early.

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What You Should Know about ESG Investing - Queer Money Ep. 324 Jul 26, 2022

You want to invest, but you don’t want to invest in companies that add to the bad in the world. We’ve got you with this episode about ESG investing.

What is ESG investing? Laura LaTourette of Family Wealth Planning Group joins us to chat about how we can invest with our own values in mind.

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The Economic Case for LGBT Equality - Queer Money Ep. 323 Jul 19, 2022

Is there an economic case for LGBT equality?

LGBT equality will be achieved by pursuing several fronts. MV Lee Badgett made the case and the case is strong. Hear what she says on Queer Money®.

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5 Reasons Why We’re Downsizing Our Home - Queer Money Ep. 322 Jul 12, 2022

Are you willing to downsize your life today for a bigger and better tomorrow?

We asked that question of ourselves and we're answering why we said yes on this week's Queer Money. Plus, we give the deets on why we're moving to Toledo, OH!

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How to Retire Early When You Have Kids - Queer Money Ep. 321 Jul 05, 2022

Want to reach financial independence and possibly retire early, but you'd also like to have kids? Seems impossible right, especially if you're a member of the LGBTQ community where having children is typically much more expensive?

Well, think again. It's possible and Court of Modern Fimily is on Queer Money this week sharing her story of having two kids with her wife and how they've been able to architect their lives with kids and early retirement.

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When Can I Start Social Security? - Queer Money Ep. 320 Jun 28, 2022

On this episode of Queer Money, we discuss the 10-year age range when you’re eligible to start collecting Social Security and explain why you get less if you begin before ‘full retirement age’ or FRA.

We walk you through examples of how much we will receive from Social Security if we start collecting benefits at age 62, 67 or 72, weighing in on the pros and cons of starting before you’ve reached FRA.

Listen in for the eight factors to consider as you decide when to take Social Security and learn how to develop multiple sources of income to support you in retirement!

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The LGBTQ Money Study w/ The Motley Fool - Queer Money Ep. 319 Jun 21, 2022

In May 2022, we (the Debt Free Guys) partnered with The Motley Fool to collect and review data about the current state of LGBTQ Money.

On this Queer Money, we are joined by Jack, from The Motley Fool, to discuss some of the findings and where the community and financial services can go from here.

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What Is Financial Self-Advocacy? - Queer Money Ep. 318 Jun 14, 2022

Self care is of utmost concern for many folks today, but one area that we often forget when it comes to taking care of ourselves is being our own financial self advocate.

What does it mean to do this and what are some examples?

This week on Queer Money, Darcy of the We Want Guac blog joins us to share her insights, personal story about doing this and some help on how we can all improve at being our own self advocate financially.

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Why LGBT Folks Should Become Trades Workers - Queer Money Ep. 317 Jun 07, 2022

College tuition has gotten obscenely expensive and is putting people into mountains of debt even before they start their careers. And most graduates are not finding jobs with salaries commensurate to the cost of their tuition, so it takes decades to pay off their student loans.

But college is not your only option. What if you could skip the student loan debt and secure a high-paying job in the trades?

On this episode of Queer Money®, Morgan Mentzer, Cofounder and Executive Director of Reckoning Trade Project joins us to explain why more LGBT folks should consider becoming trades workers, exploring what it means to work a trade and what jobs are included in the industry.

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How to Be an Angel Investor with Arlan Hamilton - Queer Money Ep. 316 May 31, 2022

On this week's Queer Money we're joined by Arlan Hamilton the founder of Backstage Capital. Arlan is a powerhouse in the world of angel investing, yet at one point was homeless, living on the couches of friends. Today she not only is a millionaire herself but is also helping hundreds of others, specifically people of color, women and LGBTQ folks grow their businesses by helping them get the capital they need.

If you've ever wanted to be in at the beginning of a startup business, listen to this week's show to find out how Arlan is helping us all do it.

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8 Answers to Questions about Lesbian Money - Queer Money Ep. 315 May 24, 2022

This week on Queer Money we are answering a couple of questions for our lesbian listeners. Of course, since we are two cis gay men we didn't feel qualified to answer them. So, we've invited three awesome queer women to join us for a discussion about money issues and questions women in the queer community, specifically lesbians, have.

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2022 Huge Same-Sex Social Security Changes - Queer Money Ep. 314 May 17, 2022

Recent changes to same-sex social security benefits are putting tens of thousands of dollars in folks' banks and adding hundreds of dollars a month to their social security checks.

This is only available to same-sex couples who could have married prior to 2015, but were not federally allowed. If you or someone you know is currently getting social security benefits, this is a must-listen!

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5 After-College Goals for Your Money - Queer Money Ep. 313 May 10, 2022

You finally graduate college and other than get a “real” job, what should you do and how will you pay for it?

On this episode of Queer Money, we share 5 after-college goals for your money.

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9 Ways to Start House Hacking to Save Money - Queer Money Ep. 312 May 03, 2022

Whether it's making money to grow wealth or to just keep your expenses down house hacking can be a great tool to achieve some of your financial goals. But what is it? What are your options and opportunities?

On this episode of Queer Money®, we share nine ways to house hack your first property.

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The Savers Tax Credit for Low-Wage Workers - Queer Money Podcast Ep. 311 Apr 26, 2022

Struggling with low wages? Can’t afford to contribute to an IRA. There may be help!

This week on Queer Money we interview Natalie Kolodij, a tax accountant, about the Savers Tax Credit and how it can provide assistance in saving for retirement for folks with lower wages.

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9 Steps to Retire Fast(er) - Queer Money Podcast Ep. 310 Apr 19, 2022

So, you want to retire yesterday but have nothing saved or invested?

On this episode of the Queer Money podcast, we share 9 steps to help you retire faster (if you aren’t prepared to retire).

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How to Find Your Ikigai (and Find Your Purpose) - Queer Money Ep. 309 Apr 12, 2022

Especially now, people are rethinking and reorganizing their lives, seeking deeper purpose. The Japanese refer to all the aspects of your life aligning as Ikigai.

On this week's Queer Money podcast we share how to find your Ikigai and find your purpose.

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How do Roth Conversion Ladders Work? - Queer Money Ep. 308 Apr 05, 2022

Want to retire early or delay taking Social Security as long as possible? A little trick, Roth Conversion Ladders, may help you reach these goals.

But what are Roth Conversions or Roth Conversion Ladders? How can they help with early retirement or save you a boatload in taxes?

Brandon Clark of Reexamine Wealth joins to answer those questions and more.

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How to Know If You Should Buy an Annuity - Queer Money Ep. 307 Mar 29, 2022

Annuities are something your grandfather warned you about but, what if an annuity is right for you? Here’s how to know if you should buy an annuity.

On this Queer Money, we're joined by Sean Cox of Gainbridge Life to answer a listener question and wrap up our 3 part series on annuities. We'll also chat about who might be a good fit for an annuity and why it could be you.

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How Couples Can Manage Different Incomes in a Relationship - Queer Money Ep. 306 Mar 22, 2022

Is it possible to divide household expenses when incomes are vastly different, so everyone pays their fair share?

Recently, a podcast listener sent us this question: My husband and I have different incomes. What's the best way for us to manage our money together?

Today on Queer Money we answer Ash's question.

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How Wallet Activism Can Hasten LGBTQ Activism - Queer Money Ep. 305 Mar 15, 2022

Frustrated with the state of our economy, the culture, environment and LGBTQ rights? Here’s how ‘Wallet Activism’ can hasten LGBTQ activism.

Today, we’re talking with Tanja Hester of the blog Our Next Life and the author of Work Optional and the new book, Wallet Activism. Tanja shares how voting with your dollar can apply to so much more than just when you’re at the checkout counter. And, don’t worry, you can still live frugally and FI/RE.

Remember to subscribe to the weekly show notes newsletter for a chance to win a copy of Tanya's book. 👇👇👇

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Loving Yourself by Decolonizing Wellness - Queer Money Ep. 304 Mar 08, 2022

Dalia Kinsey is a non-binary Queer POC who joins us this week to discuss Dalia's book: Decolonizing Wellness: A Qtbipoc-Centered Guide to Escape the Diet Trap, Heal Your Self-Image, and Achieve Body Liberation.

Join us as we discuss a host of topics both financial and well-being that can help all of us thrive.

Remember to subscribe to the weekly show notes newsletter for a chance to win a copy of Dalia's book.

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How to Make Money Flipping Products - Queer Money Ep. 303 Mar 01, 2022

Bras, underwear, purses, makeup, all things that Tom Brickman of the Frugal Gay bought and resold as a way to earn money to pay for college and build up a real estate portfolio that allowed him to quit his 9-5 job.

How did he do it? What are some of his tips to start doing it now? Find out on this week's Queer Money.

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How to Talk about Annuities with Mom & Dad - Queer Money Ep. 302 Feb 22, 2022

Did you know that LGBTQ folks are more likely to take care of an aging parent than their straight siblings?

On today’s episode of Queer Money, we discuss our five tips for talking to your parents about money. Most of us fear outliving our money and a lot of what we think we know about annuities may be misconstrued.

We’re here to motivate you to get real about retirement concerns.

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How to Work with Your Spouse (and Still Love Them) - Queer Money Ep. 301 Feb 15, 2022

On this episode of Queer Money, Bret and Stephen, also known as The Broadway Husbands, with nearly 70,000 followers on Instagram, join us to discuss the pros and cons of working with your spouse, describing what they’ve learned about each other and how it’s brought them closer together.

They share their mission behind creating Broadway Husbands and what they've done to grow their auideince.

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16 Thought Leaders Talk about LGBTQ Financial Wellbeing - Queer Money Ep. 300 Feb 08, 2022

In 300 episodes of Queer Money®, we’ve realized that financial wellbeing is unique to each individual. And that our LGBTQ-ness shapes our relationship with money.

On this episode of the podcast, we review what we’ve learned about financial wellness from some of our top guests like Gaby Dunn, Dominique Jackson, Brian Falduto, Patrick L. Riley, Paul Donovan, Sean Howell, Jenni & Lisa Dazols, Jonathan Lovitz, Matt Baume and Curtis Wong and more.

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How to FI/RE as a Single Person - Queer Money Ep. 299 Feb 01, 2022

On this episode of Queer Money®, Jeff of Homo Money joins us to share his struggle to find a job during the Great Recession (right after his Honorable Discharge from the Navy) and discuss the steps he’s taken to build a net worth of $750K since then.

He offers advice to queer folks who feel financially hopeless, challenging us to reprogram our mindset and surround ourselves with positive messages about money.

Listen in for insight on Jeff’s Hustle-Own-Money-Opulence formula for achieving financial independence and find out what it looks like to FIRE as a single person!

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7 Basics You Should Know about Annuities - Queer Money Ep. 298 Jan 25, 2022

What's an annuity? How do they work? What are the different types? Are they a good investment?

On this episode of Queer Money, we explain how annuities function as an insurance contract (not an investment) and what differentiates immediate from deferred annuities.

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7 Ways LGBT Personal Finance Is Different - Queer Money Ep. 297 Jan 18, 2022

In a recent Twitter conversation about LGBTQ money differences, we got pushback from a troll who claims that we’re inventing an issue that doesn’t really exist. But the numbers don’t lie. And if you look at the research around queer people and our finances, it’s obvious that we face a few challenges that others do not.

So, how does being LGBTQ make money different for you?

On this episode of Queer Money, we share seven ways LGBTQ money is different and provide the data to back up those claims

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How to Say No to Friends - Queer Money Ep. 296 Jan 11, 2022

Show notes: https://queermoneypodcast.com/podcast/how-to-say-no-to-friends/

It’s hard to say no to friends and family when they ask us to do something that’s not in our budget.

On this episode of Queer Money, we share seven steps to get better at saying no, discussing how to turn down an invitation graciously and explain yourself in a way your friends will understand.

Topics Covered

How trying to keep up with the gay community got us into debt
How social media exacerbates our desire to keep up with other’s Insta-worthy lives
Why it’s okay to treat yourself so long as you’re not sacrificing your financial wellbeing
5 reasons why it’s hard to say no to friends and family
How FOMO and the disease to please make us say yes to things we can’t afford
7 steps to get better at saying no to friends and family
Why it’s important to say no quickly and firmly
How to say no graciously and explain why you’re turning down an invitation
What it looks like to propose an alternative that’s free or cheap
Why it’s beneficial to practice saying no (without feeling guilty)

Resources

Mentioned in this episode:

Subscribe to the Queer Money Weekly Newsletter

Subscribe here to get weekly money tips, show notes, Queer Money take-aways, give-aways, access to events and more.

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How to Find Low-Cost LGBT Retirement Cities - Queer Money Ep. 295 Jan 04, 2022

Show notes: https://queermoneypodcast.com/podcast/low-cost-lgbt-retirement-cities/

This week's we scratch the surface of a listener's question about how to find low or lower-cost LGBT-friendly retirement cities. We decided to invite Jim and Luis, a gay couple who retired early and spent the last two years living mostly outside the US.

They share their slow travel experiences, explaining how they decide where to go and what differentiates their nomadic lifestyle from being on vacation.

Topics Covered

Why Americans in general and the gay community specifically overspends
How Jim & Luis describe themselves as Financial Independence/Retire Investors
Why Jim & Luis got rid of ALL their debt before they quit their jobs
How Jim & Luis build a monthly budget around their real estate investment income
Jim & Luis’ experience living in Portugal, Spain and Mexico during the pandemic
Making a mindset shift away from acquiring stuff to acquiring time
How cost of living and gay friendliness help Jim & Luis decide where to live
The benefits of Portugal’s Golden Visa program and how it works
Why it’s better to be nomadic than to become a tax resident in Western Europe
Jim & Luis’ experience with using their worldwide healthcare policy
What differentiates a nomadic lifestyle or slow travel from being on vacation
How to avoid lifestyle creep and say NO to the peer pressure to spend

Resources

7 Different Types of FIRE on Queer Money EP285
CreditWise
All Options Considered
GoWithLess on YouTube
Debt Free Guys on Facebook
Debt Free Guys on Twitter
Queer Money Facebook Group
Queer Money on Instagram
Subscribe on iTunes
Email questions@debtfreeguys.com

Mentioned in this episode:

Subscribe to the Queer Money Weekly Newsletter

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How Mutual Funds and ETFs Build Wealth - Queer Money Ep. 294 Dec 28, 2021

Show notes: https://queermoneypodcast.com/podcast/mutual-funds-and-etfs/

On this episode of Queer Money, we explain what it means to invest in mutual funds and ETFs as well as the pros and cons of each.

Free Resources:

Topics Covered

What it means to invest in mutual funds rather than individual stocks
An overview of the different types of mutual funds (e.g.: objective-driven, index funds, etc.)
The operating expenses and tax risks associated with investing in mutual funds
How investing in just a few mutual funds offers a diversified portfolio
What differentiates investing in ETFs from mutual funds
How to find an exchange traded fund that aligns with your personal objectives
The risks associated with investing in certain kinds of ETFs
Why ETFs typically have lower fees and fewer regulations than mutual funds
How most millionaires in the US built wealth by investing in their 401(k)s
Why you should be using your employer-sponsored retirement account

Resources

Mentioned in this episode:

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Subscribe here to get weekly money tips, show notes, Queer Money take-aways, give-aways, access to events and more.

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5 Simple Steps to Make Your Daily Financial Plan - Queer Money Ep. 293 Dec 21, 2021

Show notes: https://queermoneypodcast.com/podcast/daily-financial-plan/ ‎

On this episode of Queer Money, we discuss the five steps to creating a daily financial plan that supports your short- and long-term money goals.

Topics Covered

5 steps to creating a daily financial plan that supports your short- and long-term money goals
How daily habits like dining out, buying coffee or spending a night out at the bar add up over time
How to set a daily budget around the idea of money chunking
Why people who live on cash spend 12% to 18% less than people who use debit or credit cards
The apps we recommend for budgeting, investing and monitoring your credit score
Why it’s important to do a little something every day to learn more about money (and share that information with friends and family)
Our favorite LGBTQ influencers and resources in the finance space
Why it’s crucial to have fun and enjoy life while you work toward your long-term money goals

Resources

Mentioned in this episode:

Subscribe to the Queer Money Weekly Newsletter

Subscribe here to get weekly money tips, show notes, Queer Money take-aways, give-aways, access to events and more.

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5 Simple Steps to Make a Short-Term Financial Plan - Queer Money Podcast Dec 14, 2021

Show notes: https://queermoneypodcast.com/podcast/short-term-financial-plan/

On this episode of Queer Money, we share five steps to creating a short-term financial plan that supports your long-term goals, describing how to spend less than you make and put the difference toward your financial goals.

Topics Covered

5 steps to creating an effective short-term financial plan
Why it’s crucial to choose short-term goals that support your long-term financial plan
How to improve your cash flow by growing the gap
How to increase your income with overtime, a part-time job or side hustle
Why paying off debt is the fastest way to grow your net worth
The tools available to help us spend less on the things we like to do already
Why LGBTQ individuals go into debt keeping up with our friends
How to build a social calendar that fits your budget

Resources

Mentioned in this episode:

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Subscribe here to get weekly money tips, show notes, Queer Money take-aways, give-aways, access to events and more.

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5 Simple Steps to Make a Long-Term Financial Plan Dec 07, 2021

Full show notes: https://queermoneypodcast.com/podcast/long-term-financial-plan/ ‎

On this episode of Queer Money, we share five steps to creating a successful long-term financial plan, explaining how your long-term, short-term and daily goals influence each other.

Topics Covered

Why we have such a hard time reaching long-term financial goals
How long-term, short-term and daily financial goals influence each other
The 5 steps to creating your own long-term financial plan
Choosing 1 to 3 QUEER money goals (Quantifiable, Understandable, Executable, Exciting and Relevant)
The value of knowing the WHY behind your long-term financial goals
Why we suggest opening separate accounts to fund each goal
How to automate the process of saving for your long-term money goals
Why we recommend sharing your financial goals with your LGBTQ friends and family

Resources

Mentioned in this episode:

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Subscribe here to get weekly money tips, show notes, Queer Money take-aways, give-aways, access to events and more.

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3 Things to Know about Stocks to Grow Wealth Nov 30, 2021

Show notes: https://queermoneypodcast.com/podcast/things-to-know-about-stocks/

There is no part of the economy set up for success quite like the stock market. In fact, we consider it one of the three killer pillars to financial independence.

On this episode of Queer Money, we share the top three things you need to know about investing in the stock market.

Topics Covered

How technology makes it easy to invest in the stock market
What it means to own stock in a company
The difference between common stock and preferred stock
How a stock loses value when a company performs poorly
Why we don't recommend putting all your money in one company
The risks and rewards associated with investing in stocks
How media hype, politics and the economy influence stock performance
How we grew our net worth to $1M with stock investing
The pros and cons of individual stock investing
How to use a free stock research app to explore investing

Resources

Mentioned in this episode:

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Subscribe here to get weekly money tips, show notes, Queer Money take-aways, give-aways, access to events and more.

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6 Ways to Better Manage Your Money - Queer Money Ep. 289 Nov 23, 2021

Show notes: https://queermoneypodcast.com/podcast/manage-money/

7-Step Credit Card Debt Slasher Tool

On this episode of Queer Money, we share our top six ways to better manage your money, explaining why you should get out of the Spending or Leveraging Class and join the Saving or Investing Class asap.

Topics Covered

Why household debt is on the rise right now
The pros and cons of the Great Resignation
Why we are advocating for a Great Debt Reduction
Our top 6 ways to better manage your money
The danger in being part of the Spending or Leveraging Class
How you benefit from joining the Saving or Investing Class
Cultivating a belief that you are financially independent
The importance of using banking products
How voting in local elections impacts our financial security
Using a spending analysis to help you reduce debt

Resources

Mentioned in this episode:

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Subscribe here to get weekly money tips, show notes, Queer Money take-aways, give-aways, access to events and more.

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5 Gay Fitness Tips for Men Over 40 - Queer Money Ep. 288 Nov 16, 2021

Show notes here: https://queermoneypodcast.com/podcast/fitness-tips-gay-men/

40 isn’t fatal. You can be healthy, happy and fit in your 40s and beyond, provided you prioritize wellness and make movement a regular part of your life.

And much like investing your money wisely, investing in the right workout routine can help you burn more calories and get the most out of your time at the gym.

On this episode of Queer Money, we share our top five gay fitness tips for men in their 40s.

Topics Covered

Our top 5 fitness tips for gay men in their 40s
The benefit of super setting weight-bearing exercises
How to get the best ROI on your workout
Why it’s crucial to maintain a consistent diet
What high-nutrition foods we eat for breakfast, lunch and dinner
How having a workout buddy helps us stay on track
What you can do to control your cortisol level as you age
Why it’s important to get adequate sleep
The 5-step workout routine that works for us

Additional Resources

5 Building Blocks of a Happy Gay Life
7 Cost-Conscious DIY Grooming Tips on Queer Money EP259
The Happy, Healthy, Wealthy Gay Men’s Toolbox
Debt Free Guys on Facebook
Debt Free Guys on Twitter
Queer Money Facebook Group
Queer Money on Instagram
Queer Money on YouTube
Subscribe on iTunes
Email questions@debtfreeguys.com

Mentioned in this episode:

Subscribe to the Queer Money Weekly Newsletter

Subscribe here to get weekly money tips, show notes, Queer Money take-aways, give-aways, access to events and more.

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7 Quick Tips to Eliminate Debt FAST! - Queer Money Ep. 287 Nov 09, 2021

Do you feel obligated to spend money for the holidays? Yes, it is the season of giving. But if you’re taking on debt to buy gifts for friends and family, you may feel less festive and more stressed.

But what if you had a plan to pay off that holiday debt fast?

On this episode of Queer Money, we share seven quick tips for getting rid of debt as quickly as possible, challenging you to get crystal clear on WHY you want to pay off your cards and avoid accruing more debt.

Topics Covered

7 quick tips for paying off holiday credit card debt ASAP
How a clear WHY fuels you to keep working toward a goal when times get tough
3 strategies you can use to stop accruing debt
Why we spend less when we use cash rather than credit or debit cards
The benefit of paying your bills on payday vs. waiting until they’re due
How to do a spending analysis to rein in overspending (e.g.: subscription services you don’t use)
Our advice on building an emergency savings and keeping the money at arm’s length
Our 5-step debt lasso method for paying off credit cards
Putting extra money (e.g.: holiday bonuses) toward credit card debt

Resources

Mentioned in this episode:

Subscribe to the Queer Money Weekly Newsletter

Subscribe here to get weekly money tips, show notes, Queer Money take-aways, give-aways, access to events and more.

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13 Best Christmas Savings Hacks - Queer Money Ep. 286 Nov 02, 2021

On this episode of Queer Money, we share our 13 best Christmas savings hacks, explaining how to decide who you REALLY want to buy gifts for and how much to spend.

Topics Covered

How to decide who to buy gifts for and how much to spend
Why you don’t always have to give gifts that are brand new
When to shop to get the best deals on Christmas gifts
How to simplify the way you celebrate to focus on the experience
The 3 best places to shop for affordable fashion online
How to save money by shopping with discounted gift cards
The best apps for scanning products to find the best price
Our favorite subscription boxes to gift for the holidays
What Chrome extensions we use to find the best prices online
How to ‘get physical’ and make your holiday more active
How to learn about discounts by joining a retailer’s email list
Our ‘elf on a shelf’ strategy for getting Amazon discounts
Your right to opt out of celebrating in a commercial way

Resources

Capital One Shopping
CreditWise
5 Building Blocks of a Happy Gay Life
The Happy, Healthy, Wealthy Gay Men’s Toolbox
Debt Free Guys on Facebook
Debt Free Guys on Twitter
Queer Money Facebook Group
Queer Money on Instagram
Queer Money on YouTube
Subscribe on iTunes
Email questions@debtfreeguys.com

Mentioned in this episode:

Subscribe to the Queer Money Weekly Newsletter

Subscribe here to get weekly money tips, show notes, Queer Money take-aways, give-aways, access to events and more.

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7 Different Types of FIRE (Financial Independence Retire Early) - Queer Money Ep. 285 Oct 26, 2021

Show notes: https://queermoneypodcast.com/podcast/types-of-fire/

Does the idea of reaching financial independence and retiring early (FIRE) appeal to you, but you don't think it's possible? Maybe your definition of FIRE needs a refresh.

On this week's podcast we discuss (and probably piss off the FIRE police) with our 7 different definitions of FIRE.

Topics Covered

Why we don’t subscribe to the idea that there’s one right way to do FIRE
The 7 different flavors of Financial Independence, Retire Early
How the traditional definition of FIRE involves living 100% off investment income
What it means to be a Financial Independence, Retire Entrepreneur
How Financial Independence, Retire Investors work to build their stock or real estate portfolios
The strategies you can use to live on less and achieve Lean FIRE
3 examples of how an individual might make enough money to reach Fat FIRE
How people in the Coast FIRE category leave high-pressure jobs for less stressful roles
The healthcare benefits that come with working part-time in Barista FIRE

Resources

Mentioned in this episode:

Subscribe to the Queer Money Weekly Newsletter

Subscribe here to get weekly money tips, show notes, Queer Money take-aways, give-aways, access to events and more.

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5 Things Effective LGBT Leaders Always Do - Queer Money Ep. 284 Oct 19, 2021

Full show notes: https://queermoneypodcast.com/podcast/effective-lgbt-leaders/

Would you like to be among the LGBTQ leaders who change the world for the better? What does an effective queer leader look like?

On this episode of the podcast, we share the five traits of an effective LGBTQ leader.

Topics Covered

Why we need more LGBTQ leaders in C-suite positions
How effective LGBTQ leaders own the fact that they’re queer
The benefit of being active in ERG or BRG affinity groups in your company
What distinguished confidence from arrogance
How to develop confidence by creating a path of micro-wins
How effective queer leaders under-promise and overdeliver
The danger in getting caught up in superficial drama
How effective LGBTQ leaders make it a point to give back
How to adopt the habits of an effective LGBTQ leader

Additional Resources

CreditWise
5 Building Blocks of a Happy Gay Life
The Happy, Healthy, Wealthy Gay Men’s Toolbox
Debt Free Guys on Facebook
Debt Free Guys on Twitter
Queer Money Facebook Group
Queer Money on Instagram
Subscribe on iTunes
Email questions@debtfreeguys.com

Mentioned in this episode:

Subscribe to the Queer Money Weekly Newsletter

Subscribe here to get weekly money tips, show notes, Queer Money take-aways, give-aways, access to events and more.

Subscribe to the Queer Money weekly newsletter

How to Lower Student Loan Payments - Queer Money Ep. 283 Oct 12, 2021

Show Notes: https://queermoneypodcast.com/podcast/lower-student-loan-payments/

On this episode of Queer Money, Howard Divorkian joins us once more. This time to explain what it means to consolidate your student loan debt and why now is a good time to do so.

He shares the difference between federal and private student loans, introducing us to the government’s Public Service Loan Forgiveness or PSLF program and describing how to lower your interest rate on bank loans.

Listen in to understand why those of you on income-based repayment plans should still check into student loan debt consolidation and find out how where to go for help navigating the process!

Topics Covered

What it means to consolidate your student loan debt
The difference between federal student loans and private student loans
How people who work for nonprofits and government agencies can register to eliminate their federal student loan debt at the end of 10 years
Where to go for help with student loan debt consolidation
How to consolidate private student loan debt and lower your interest rate
Why now is a good time to consolidate private student loan debt
Why Howard doesn’t advise consolidating government and private student loans together
How Debt.com helps you navigate the student loan debt consolidation process
Why you should still check into student loan debt consolidation even if you’re on an income-based repayment plan or part of the PSLF program

Additional Resources

Credit Card Pay Off Plan
Filing for Bankruptcy on Queer Money EP226
Debt Settlement on Queer Money EP238
Debt Management on Queer Money EP258
CreditWise
Debt Free Guys on Facebook
Debt Free Guys on Twitter
Queer Money Facebook Group
Queer Money on Instagram
Subscribe on iTunes
Email questions@debtfreeguys.com

Mentioned in this episode:

Subscribe to the Queer Money Weekly Newsletter

Subscribe here to get weekly money tips, show notes, Queer Money take-aways, give-aways, access to events and more.

Subscribe to the Queer Money weekly newsletter

Becoming Gay Nomads with Geekstreamers - Queer Money Ep. 282 Oct 05, 2021

Show notes here: https://queermoneypodcast.com/podcast/gay-nomads-geekstreamers/

Does the dream of retiring and traveling the world seem completely out of reach?

Too many of us in the queer community have resigned ourselves to working until we’re dead.

But what if becoming a gay nomad is totally doable?

Jimmy and Mack are the self-described nomadic nerds behind Geekstreamers, a blog where they share their epic stories of life after work, slow traveling around the world.

On this episode of Queer Money, Jimmy and Mack join us to explain what inspired their shift from a condo in San Francisco and a vacation home in wine country to a downsized (but still fabulous!) RV life.

Topics Covered

Why Jimmy and Mack refer to themselves as the Geekstreamers
How Jimmy and Mack ‘accidentally’ fell into the FIRE space
What inspired the Geekstreamers’ shift from a condo in San Francisco and vacation home in wine country to RV life
How having less space for stuff forced Jimmy and Mack to get their lifestyle under control (and save or invest 70% of their income)
The correlation between shedding their material possessions and the freedom Jimmy and Mack feel
Why the Geekstreamers transitioned from RV life to slow travel
The 43 states, 31 national parks and 13 countries Jimmy and Mack have traveled to together
How being a queer couple influences where Jimmy and Mack choose to visit
How tracking their spending helped the Geekstreamers connect their behaviors to financial outcomes and build a budget around their values
Why so few gay men are talking about FIRE compared to lesbian women
How blogging about their journey holds Jimmy and Mack accountable

Connect with Jimmy & Mack

Geekstreamers

Geekstreamers on Instagram

Resources

The 4 Principles of a Debt-Free Life by John R. Schneider, III and David Auten

The Credit Card Pay Off Plan

5 Building Blocks of a Happy Gay Life

Happy, Healthy, Wealthy Gay Men’s Toolbox

Debt Free Guys on Facebook

Debt Free Guys on Twitter

Queer Money Facebook Group

Queer Money on Instagram

Mentioned in this episode:

Subscribe to the Queer Money Weekly Newsletter

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What’s LGBTQ Financial Independence? - Queer Money Ep. 281 Sep 28, 2021

Show notes: https://debtfreeguys.com/lgbtq-financial-independence/

Topics Covered on this Queer Money episode:

What it means to achieve financial independence (and how it’s different from being independently wealthy)
How Robert Kiyosaki defines wealth as having investments that cover your living expenses
The freedom that comes from not having to work for someone else
How financial independence allowed John to walk away from a ‘bad boss’
Why the queer community isn’t pursuing financial independence with the same vigor as the general population
Why it’s a mistake to opt out of smart investments because you distrust capitalism
How cascading homophobia and legacy financial exclusion make it more challenging for the LGBTQ community to achieve financial independence
What we can do to encourage more queer people to seek financial independence
Where to go for inspiration and resources around achieving financial independence

Additional info mentioned in the show:

All Options Considered on Queer Money EP160

Modern Fimily on Queer Money EP200

Our Freedom Years on Queer Money EP213

Compassionate Capitalism on the Queer Money Blog

Todd Sears on Queer Money EP168

Cascading Homophobia on Queer Money EP230

Legacy Financial Exclusion on Queer Money EP268

Tools and Resources:

5 Building Blocks of a Happy Gay Life

Debt Free Guys on Facebook

Debt Free Guys on Twitter

Queer Money Facebook Group

Queer Money on Instagram

Mentioned in this episode:

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The Power in Aligning Our Values and Standards - Queer Money Ep. 280 Sep 21, 2021

Show notes: https://queermoneypodcast.com/podcast/values-and-standards/

Struggling to reach your goals despite how you value them? The problem may be your standards. Hear the power in aligning your values and standards with our guest Fletcher Ellingson.

Get the 5 Building Blocks of a Happy Gay Life here: https://debtfreeguys.com/5bbhgl/?source=podcast

Connect with Fletcher Ellingson: https://fletcherellingson.com/

Mentioned in this episode:

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5 Tips to Breaking Bad Financial Habits - Queer Money Ep. 279 Sep 14, 2021

Show notes: https://debtfreeguys.com/bad-financial-habits/

Continuing our theme of suicide prevention and self-care in September, this week we talk about breaking bad financial habits, which can often lead to additional stress, anxiety and negative thoughts.

Taking care of our finances is self-care that improves our mental health by reducing financial stress.

Get the 5 Building Blocks of a Happy Gay Life here: https://debtfreeguys.com/5bbhgl/?source=podcast

Start Improving Your Credit Score here: https://debtfreeguys.com/improve-my-credit-score/?source=podcast

Mentioned in this episode:

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9 Low-Cost Self-Care Options - Queer Money Ep. 278 Sep 07, 2021

Show notes: https://queermoneypodcast.com/low-cost-self-care

Continuing our focus on National Suicide Prevention Month, this week on the show we share 9 simple, low-cost ways to take care of yourself both in body and mind. Plus we share how some of these can actually change the way your brain works.

Get the 5 Building Blocks of a Happy Gay Life here: https://debtfreeguys.com/5bbhgl/?source=podcast

Start Improving Your Credit Score here: https://debtfreeguys.com/improve-my-credit-score/?source=podcast

Mentioned in this episode:

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How Mark Turnipseed Beat Suicide and Addiction - Queer Money Ep. 277 Aug 31, 2021

Full show notes: https://debtfreeguys.com/mark-turnipseed

September is National Suicide Prevention Month.

On this week's show, Mark Turnipseed joins us to share his journey of addiction, suicidal thoughts and coming out and how he overcame them. His inspiring comments are echoed in his book, My Suicide Race. He also shares with us tools he uses to keep himself sober and ward off further thoughts of suicide.

Get the 5 Building Blocks of a Happy Gay Life here: https://debtfreeguys.com/5bbhgl/?source=podcast

Start Improving Your Credit Score here: https://debtfreeguys.com/improve-my-credit-score/?source=podcast

Mentioned in this episode:

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COVID's Impact on Your Financial Well-Being - Queer Money Ep. 276 Aug 24, 2021

Full notes: https://debtfreeguys.com/financial-well-being

COVID and the results of the pandemic have had a huge impact on our daily lives, but what about our financial lives?

New data points to several key reasons why our financial well-being, both in the way we think about money and our actions with our money have changed. We invite Mili Mittal, VP at Capital One to join us with new data from a survey they've conducted.

Get the 5 Building Blocks of a Happy Gay Life here: https://debtfreeguys.com/5bbhgl/?source=podcast

Start Improving Your Credit Score here: https://debtfreeguys.com/improve-my-credit-score/?source=podcast

Mentioned in this episode:

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How to Identify and Fix a Poverty Mindset - Queer Money Ep. 275 Aug 17, 2021

Full show notes: https://debtfreeguys.com/poverty-mindset/

On this Queer Money episode, Matthew Raymond, a life coach specializing in the LGBTQ community joins us to talk about the poverty mindset, why it's common amongst LGBTQ folks and what we can do to overcome it.

Get the 5 Building Blocks of a Happy Gay Life here: https://debtfreeguys.com/5bbhgl/?source=podcast

Start Improving Your Credit Score here: https://debtfreeguys.com/improve-my-credit-score/?source=podcast

Mentioned in this episode:

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7 Smart Ways to Fight Inflation - Queer Money Ep. 274 Aug 10, 2021

Full show notes: https://debtfreeguys.com/fight-inflation/

On this Queer Money episode, we share 7 steps you can take right now to fight inflation including 3 on the income side and 4 on the expense side.

Get the 5 Building Blocks of a Happy Gay Life here: https://debtfreeguys.com/5bbhgl/?source=podcast

Start Improving Your Credit Score here: https://debtfreeguys.com/improve-my-credit-score/?source=podcast

Mentioned in this episode:

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5 Cost-Conscious Tips for the LGBTQ Traveler - Queer Money Ep. 273 Aug 03, 2021

Full show notes here: https://debtfreeguys.com/lgbtq-traveler/

Love travel? Want to do more? Finding affordable options stretches your dollar further. Here are 5 tips we suggest to get more travel out of your travel dollars.

Get the 5 Building Blocks of a Happy Gay Life here: https://debtfreeguys.com/5bbhgl/?source=podcast

Mentioned in this episode:

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How Passion Projects Can Create Financial Security - Queer Money Ep. 272 Jul 27, 2021

Full show notes: https://debtfreeguys.com/create-financial-security/

Do you have a passion? Do you think it could help you create financial security? Jenni & Lisa Dazols join us this week to chat about how they are doing that for their family and how you can learn from their experience.

Get the 5 Building Blocks of a Happy Gay Life here: https://debtfreeguys.com/5bbhgl/?source=podcast

Mentioned in this episode:

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What's an NFT and Do LGBTQ+ Artists Use Them? – Queer Money Ep. 271 Jul 20, 2021

Full show notes here: https://debtfreeguys.com/whats-an-nft/

On this Queer Money we invite Julian Pena, a queer artist and gallery owner from Seattle, WA to join us to discuss the growing market for artists using NFTs. He helps us understand what they are, how they're used and what you as an artist or investor should know.

Get the 5 Building Blocks of a Happy Gay Life here: https://debtfreeguys.com/5bbhgl/?source=podcast

Mentioned in this episode:

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Bitbull CEO Talks LGBT Cryptocurrency? Jul 13, 2021

Complete show notes: https://debtfreeguys.com/lgbt-cryptocurrency/

Joe DiPasquale, CEO of Bitbull, a cryptocurrency hedge fund, joins us this week to help us understand what cryptocurrencies are, how they work and if there's value in having an LGBTQ crypto.

Download your free copy of the 5 Building Blocks of a Happy Gay Life: https://debtfreeguys.com/5bbhgl/?source=podcast

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How Blockchain Applications Can Help LGBT Folks - Queer Money Ep. 269 Jul 05, 2021

Show notes: https://debtfreeguys.com/blockchain-applications/

The term blockchain gets thrown about a lot these days due to the fervor over cryptocurrencies and NFTs. What is blockchain and are there any applications that can help the LGBTQ community?

This week we invite Kai Graden on the podcast to help us answer those questions and more.

Download your free copy of the 5 Building Blocks of a Happy Gay Life: https://debtfreeguys.com/5bbhgl/?source=podcast

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7 Examples of Legacy LGBT Financial Exclusion - Queer Money Ep. 268 Jun 29, 2021

Show notes: https://debtfreeguys.com/legacy-financial-exclusion

The more data that is gathered the more we see a picture of how many LGBTQ folks are at a disadvantage financially. How does this happen? Where does it start?

On this Queer Money episode, we're talking about legacy financial exclusion and how, what may appear as minor events or actions, can lead to big financial differences and how many queer folks face these in their life.

Get the 5 Building Blocks of a Happy Gay Life here: https://debtfreeguys.com/5bbhgl/?source=podcast

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10 Easy Ways to Find Extra Money - Queer Money Podcast Ep. 267 Jun 22, 2021

Show notes: https://debtfreeguys.com/find-extra-money/

Does it feel like theirs always more month than money? Wouldn't it be nice to find a little more?

In this week's episode we share 10 easy ways to find more money in your budget, your life and your stuff. Plus, we have an additional 19 if you got to the show notes page.

Get the 5 Building Blocks of a Happy Gay Life here: https://debtfreeguys.com/5bbhgl/?source=podcast

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How to Create Gay Confidence with Alex Ray - Queer Money Ep. 266 Jun 15, 2021

Show notes: https://debtfreeguys.com/gay-confidence

Would you like to be more confident in your life? What does it take?

Alex Ray, a confidence coach joins us to talk about his personal story of overcoming a lack of self-confidence and shares tips on how we can all develop it in our lives.

Get the 5 Building Blocks of a Happy Gay Life here: https://debtfreeguys.com/5bbhgl/?source=podcast

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The Pros & Cons of Big Gay Cities - Queer Money Ep. 265 Jun 08, 2021

See the full list of affordable gay cities you're forgetting about: https://debtfreeguys.com/gay-cities/

The LGBTQ+ community has for decades flocked to cities like New York, San Francisco, Chicago, Los Angeles and Miami. Often for safety reasons, but things are changing. Maybe the benefits of moving to a big gay city aren't worth it.

In this week's podcast we cover 10 pros and cons of top tier gay cities you may want to consider.

Get the 5 Building Blocks of a Happy Gay Life here: https://debtfreeguys.com/5bbhgl/?source=podcast

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Does Living Abroad Stretch Your Dollars? - Queer Money Ep. 264 Jun 01, 2021

Show note: https://debtfreeguys.com/living-abroad

On this week's Queer Money we interview Brent and Michael about their journey of becoming digital nomads and living abroad. We talk about the financial costs and what it's like to be a queer couple living in different countries. Some favorable and some less favorable to LGBTQ folks.

Get the 5 Building Blocks of a Happy Gay Life here: https://debtfreeguys.com/5bbhgl/podcast

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How to Throw a Socially Distanced Pride Party in 2021 - Queer Money Ep. 263 May 25, 2021

Full show notes: https://debtfreeguys.com/pride-party/

Yeah! Things are finally starting to looking like they are getting better and just in time for summer and PRIDE parties. Although not everyone is 100% comfortable with going back to the way they used to be in the past. Here are 7 tips for throwing a COVID & cost-conscious pride party in 2021.

Get the 5 Building Blocks of a Happy Gay Life here: https://debtfreeguys.com/5bbhgl/podcast

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Employer Participation in Repayment Act - EPRA - Queer Money Ep. 262 May 18, 2021

Full show notes + swipe copy: https://debtfreeguys.com/employer-participation-repayment-act/

Wouldn't it be nice if your employer paid your student loans? The government wants them to via the Employer Participation in Repayment Act. Listen to learn more!

Get the 5 Building Blocks of a Happy Gay Life here: https://debtfreeguys.com/5bbhgl/podcast

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5 Easy Steps to Train Yourself to Build Wealth - Queer Money Podcast Ep. 261 May 11, 2021

Full show notes: https://debtfreeguys.com/train-yourself-to-build-wealth/

According to a Fidelity Investment Study, 88% of millionaires didn’t inherit or win their wealth. They made it themselves.

But how? Is it possible for you? What does it take to create a wealth-building mind?

On this episode of Queer Money, we share our top 5 tips for training your brain to make more money, describing how to create a new belief by focusing on what it will feel like to build the wealth you want.

Get the 5 Building Blocks of a Happy Gay Life here: https://debtfreeguys.com/5bbhgl/podcast

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Healing Your Inner Child with Brian Falduto - Queer Money Ep. 260 May 04, 2021

Show notes: https://debtfreeguys.com/heal-your-inner-child/

Brian Falduto, well know for being the "little gay kid" from School of Rock, joins us this week to talk about his journey of finding himself and figuring out how to heal this inner child.

Brian was defined as gay by millions, but not himself, which brought a huge bag of emotions. He shares his process of coming out and how he heald his inner child and is helping others do the same.

Get the 5 Building Blocks of a Happy Gay Life here: https://debtfreeguys.com/5bbhgl/podcast

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7 Cost-Conscious Grooming Tips - Queer Money Podcast Ep. 259 Apr 27, 2021

Show notes & recipes here: https://debtfreeguys.com/grooming-products/

On this episode of Queer Money, we share our top 7 tips for creating a personal care routine that doesn’t hurt your wallet, reminding you that what you put IN your body impacts the way you look and feel and describing our own personal diet, exercise and meditation routine.

Get the 5 Building Blocks of a Happy Gay Life here: https://debtfreeguys.com/5bbhgl

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What is Debt Management? - Queer Money Ep. 258 Apr 20, 2021

Show notes: https://debtfreeguys.com/debt-management/

On this Queer Money episode, we're diving deep again into another method of paying off debt with Howard Dvorkin of debt.com. This time we discuss the ins and outs of debt management.

Download your copy of the 5 Building Blocks of a Happy Gay Life: https://debtfreeguys.com/5BBHGL/?source=podcast

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How to Start a Vending Machine Side Hustle - Queer Money Ep. 257 Apr 13, 2021

Show notes: https://debtfreeguys.com/vending-machine-side-hustle/ ‎

Ready to make $100-500 a week on a minimal investment and a few hours a week of work?

That's how today's Queer Money guest Lakinya Francis describes an often overlooked business model that can be a side hustle or turn into an empire.

Get your free copy of the 5 Building Blocks of a Happy Gay Life: https://debtfreeguys.com/5BBHGL

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Sensitivities Mapping with Mike Iamele - Queer Money Ep. 256 Apr 06, 2021

Show notes: https://debtfreeguys.com/mike-iamele/

On this episode of Queer Money®, Mike Iamele joins us to explain why it’s so challenging to define our life’s purpose and discuss how understanding what sensitivities are and how our sensitivities lead to success in any context.

Get the 5 Building Blocks of a Happy Gay Life: https://debtfreeguys.com/5BBHGL

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7 Tips for Gay Pride Travel in 2021 - Queer Money Ep. 255 Mar 30, 2021

Show notes: https://debtfreeguys.com/pride-travel/

On this episode of Queer Money, we’re sharing our top 7 COVID-cautious tips for Pride season and summer travel along with suggestions on how to prepare financially and physically.

Get the 5 Building Blocks of a Happy Gay Life: http://debtfreeguys.com/5bbhgl/?source=QM

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When Should I Buy Travel Insurance? - with Bobby Lee - Queer Money Ep. 254 Mar 23, 2021

Show notes: https://debtfreeguys.com/buy-travel-insurance/

When should I buy travel insurance? Should I do it now because of COVID? Who should I buy it from? These are just some of the questions we answer with Bobby Lee on this week's Queer Money Podcast.

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Real Estate Investing with Patricia Red Hawk - Queer Money Ep. 253 Mar 16, 2021

Show notes: https://debtfreeguys.com/real-estate-investor/

On this episode of Queer Money, Patricia Red Hawk, President and CEO of Red Hawk Property Group and Welliott Investment Group, joins us to share her journey to becoming a real estate investor, describing how she grows confidence by taking risks and what it looks like to commit to achieving a big dream. She explains how real estate has transformed her life and shares her go-to resources for learning the basics of investing. Listen in to understand why the queer community needs an extra dose of grit and learn how we can use being LGBTQ+ to our advantage as we work toward our vision of a fabulous life!

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How to Plan for the 4th Industrial Revolution - Queer Money Ep. 252 Mar 09, 2021

Show notes: https://debtfreeguys.com/4th-industrial-revolution/

On this episode of Queer Money, Paul Donovan; Managing Director and Chief Economist at UBS Global Wealth Management, joins us to discuss the emerging fourth industrial revolution and explain why prejudice grows in times of economic turmoil. He weighs in on how the queer community can counteract the prejudice that might come our way, challenging us to be visible and tell our stories. Listen in for Paul’s advice on navigating the fourth industrial revolution successfully and learn how to find a company with a true culture of inclusion.

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3 Tips for Affordable Home Design Under $200 - Queer Money Ep. 251 Mar 02, 2021

Full notes here: https://debtfreeguys.com/affordable-home-design/

On this episode of Queer Money, Teri Moore of T. Moore Home joins us to explain how she is making design accessible, challenging us to consider an object’s function before we bring it home and invest in quality pieces that will stand the test of time. She walks us through the process of making our lives less stressful by way of design and cautions us against believing that the images we see on Instagram are the whole story. Listen in for Teri’s insight on decorating your home with artwork and get her top tips on refreshing your space—for $200 or less!

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Our #1 Meal Prep Hack - Queer Money Ep. 250 Feb 23, 2021

Full show notes: https://debtfreeguys.com/meal-prep-hack/

On this episode of Queer Money, we share the benefits of our cook-once-eat-many strategy, explaining how batch cooking can save you a lot of time and money.

Listen in for insight around the tools we use for batching our meal prep and learn how YOU can be happier, healthier and wealthier with the cook-once-eat-many strategy!

Get the 5 Building Blocks of a Happy Gay Life: http://debtfreeguys.com/happy

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What You Don’t Know about Black Wall Street - Queer Money Ep. 249 Feb 16, 2021

Full show notes: http://debtfreeguys.com/black-wall-street

At least 100 people were killed and hundreds injured in the Tulsa Race Riot of 1921. 1,250 homes, businesses and schools were burned, resulting in $2M of property damage (equivalent to more than $25M today). The city’s Greenwood District, affectionately known as Black Wall Street, was destroyed by a mob of thousands of white men. So, why are so few Americans aware of this history

Hannibal B. Johnson is an attorney, activist and independent consultant with expertise in diversity, inclusion and cultural competence. On this episode of Queer Money, Hannibal joins us to explain what Tulsa was like in the early twentieth century and describe the entrepreneurial spirit of the Black community in its Greenwood District. He walks us through the events surrounding the Tulsa Race Riot of 1921, discussing what triggered the burning of Black Wall Street and how the African American community went on to rebuild. Listen in to understand how our history of systemic racism informs the current wealth gap and learn how YOU can help Hannibal build awareness of what happened in Tulsa 100 years ago.

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What Should I Do with My 401(k)? - Queer Money Ep. 248 Feb 09, 2021

Full show notes: https://debtfreeguys.com/what-should-i-do-with-my-401k/

In the COVID era, many of us have been laid off or changed jobs. So, what should we do with the 401(k) from our previous employer? Is it better to cash it out? Or roll it over?

On this episode of Queer Money, we explain why you shouldn’t take an early distribution from your retirement account unless you absolutely have to, describing what our advice would be under normal circumstances and how things are a little bit different right now—based on provisions in the CARES Act.

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How Gays Can Plan and Teach Kids about Money - Queer Money Ep. 247 Feb 02, 2021

Complete show notes: https://debtfreeguys.com/gays-kids-money/

On this episode of Queer Money, Andy of Marriage, Kids & Money joins us to discuss what parents can do to budget for a new baby’s arrival and share some of the expenses he was not prepared for. He explains what he is doing to help his children learn about financial independence, challenging us to include our kids in conversations about money and teach them to be grateful for what they have. Listen in to understand how the Hills paid off their mortgage in five short years and get Andy’s insight on learning to speak your partner’s language when it comes to money!

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7 Valentine Day Date Ideas - Queer Money Ep. 246 Jan 26, 2021

Full show notes here: https://debtfreeguys.com/valentines-day-date/

So, you want to plan something special for Valentine’s Day… But it’s challenging to come up with ideas when COVID continues to limit what we can do.

How can queer couples and polycules create memorable moments together this Valentine’s Day? What can we do to strengthen our relationships and have a really good time—without spending a ton of money?

On this episode of Queer Money, we share seven of our favorite Valentine’s Day date ideas for gay couples and polycules.

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What's The Real Power of Affirmations? - Queer Money Ep. 245 Jan 19, 2021

Full show notes here: https://debtfreeguys.com/power-of-affirmations/

Do you use affirmations? We'd love to know if you do. Drop us a yes or no on IG here: https://www.instagram.com/queermoneypodcast

On this episode of Queer Money, Evolve Benton joins us to introduce the idea of creating a Moneybag Prophecy Vision Board, explaining how they use theirs to build a weekly budget and challenging us to get creative in the process of making our own. They offer insight on leveraging affirmations to speak what you want into your life, sharing their own practice of affirming activities rather than outcomes and connecting daily affirmations with a long-term plan. Listen in for Evolve’s advice on what to do if your affirmations aren’t working and learn how to use the Law of Attraction to achieve YOUR big, scary dreams!

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Becoming the Sober Gay with Dillan Gay - Queer Money Ep. 244 Jan 12, 2021

Full show notes here: https://debtfreeguys.com/sober-gay/ ‎

How much do you spend in a month on alcohol?

If you regularly blow a lot of money at the bar, you may be surprised at just how much drinking impacts your finances. And if you find yourself developing an alcohol dependency, the habit may have consequences far beyond your budget.

How do you stop or slow down? Dillan Gay of the Sober Gay podcast has a few suggestions for us based on his own story.

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How to Live Fabulously Not Fabulously Broke in 2021 - Queer Money Ep. 243 Jan 05, 2021

Get full show notes: https://debtfreeguys.com/live-fabulously/

What does it mean to Live Fabulously Not Fabulously Broke?

On this episode of Queer Money, we share our plans to help you live fabulously in the new year, introducing some of the lifestyle topics we’re covering in 2021 and explaining how these aspects of life influence your finances.

Listen in for insight on improving your quality of life (without compromising your financial security) and learn how to be happy, healthy and wealthy in 2021.

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Transgender Health Care with Callen-Lorde - Queer Money Ep. 242 Dec 29, 2020

Full show notes here: https://debtfreeguys.com/transgender-health-care/

On this episode of Queer Money, Finn Brigham of Callen-Lorde joins us to explain what makes transgender healthcare different and walk us through the top three transgender healthcare issues individuals face in getting access to competent care. He weighs in on the difference between transition costs and transgender healthcare more broadly, describing the limited resources available to trans people seeking surgery—even if their health insurance does cover it!

Listen in for Finn’s insight on which subpopulations in the trans community face the biggest barriers to care and find out what YOU can do to support Callen-Lorde’s mission and promote health justice for the LGBTQ community.

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The Shocking Cost of LGBTQ Retirement - Queer Money Ep. 241 Dec 22, 2020

Full show notes here: https://debtfreeguys.com/lgbtq-retirement/

Did you know retirement costs the queer community about 40% more than the general population? And most retirement calculators don’t factor that in!

Samantha Hernandez, a lesbian money coach, joins us to chat LGBT retirement and why queer folks could and likely will pay more in retirement than the general population.

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10 Gay Relationship Goals We Love - Queer Money Ep. 240 Dec 15, 2020

11 more goals here: https://debtfreeguys.com/gay-couple-goals/

What are your aspirations as a gay couple, to have designer dogs with cute names, to bet on the winning queen on Drag Race, to jet set, or something even more? We think it’s the latter.

On this episode of Queer Money, we break down 10 cute, fun and sexy gay relationship goals that any couple can achieve and in doing so, strengthen their own relationship, build a stronger LGBTQ community and improve their bottom line. Money that is, not your back side.

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Is Money a Made Up Thing? With Jacob Goldstein - Queer Money Ep. 239 Dec 08, 2020

Full show notes here: https://debtfreeguys.com/money-a-made-up-thing/

On this episode of Queer Money, Jacob Goldstein, author of Money: The True Story of a Made Up Thing, joins us to explain why money is a made-up thing, offering insight into why finance isn’t the zero-sum game most of us think. He introduces us to the origins of modern capitalism, exploring some of the practical things we can do to address income inequality and make the system work for more of us.

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The Pros & Cons of Debt Settlement - Queer Money Ep. 238 Dec 01, 2020

Get the full show notes here: https://debtfreeguys.com/debt-settlement

On this episode of Queer Money, Howard Devorkin of Debt.com joins us to discuss the advantages and disadvantages of debt settlement, explaining how it allows you to repay your debt for less but adversely impacts your credit score. He introduces us to debt management as an alternative, describing how this path reduces your interest rate—while keeping your credit intact. Listen in for insight on the tax consequences of debt settlement and learn how Debt.com can help you choose the best option for getting out of debt!

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4 Curious Reasons Gay Men Earn More Money - Queer Money Ep. 237 Nov 24, 2020

Get the full show notes here:https://debtfreeguys.com/gay-men-earn-more/

How do you feel when you find out someone is earning more money than you? How about when the person earning more money is a member of our queer community?

Recent data reflects an apparent rise in income for LGBTQ couples. So, what’s behind this trend toward income equality?

On this episode of Queer Money, we’re sharing the top four theories around why same-sex couples are starting to earn more, explaining how living in cities with larger populations translates to jobs with higher pay—but not necessarily a guarantee of financial security.

We weigh in on how being less likely to have children gives us the opportunity to earn more and describe how code switching at work may come with a financial benefit. Listen in for insight on how the gender pay gap gives gay men an advantage and learn how those of us who do earn more can use our privilege to promote income equality for everyone in the queer community.

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Slay Your Debt in 2021 with the Debt Lasso - Queer Money Ep. 236 Nov 17, 2020

Are you so over stressing about credit card debt? Would you like to make 2021 the year you rewrite your money story and SLAY your debt once and for all?

On this episode the podcast, we’re sharing the Queer Money origin story, taking you back to the day we owned up to our combined credit card debt of $51,000. We explain why we were living beyond our means and describe what we did to realign our spending with our values.

We go on to share how we came up with the Debt Lasso Method, walking you through its 5 components and explaining how it helped us pay off our credit card balances in just 2½ years. Listen in to find out how YOU can take advantage of our special offer and leverage the Credit Card Pay Off Plan to slay your debt in 2021!

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The Truth About Gay Stereotypes—with Mike & Kyle of the Gayish Podcast - Queer Money Ep. 235 Nov 10, 2020

Full show notes: https://debtfreeguys.com/gay-stereotypes/

Are stereotypes always bad? Or can some of the assumptions people make about the queer community be beneficial? And how do stereotypes impact our finances?

Mike Johnson and Kyle Getz are the hosts of Gayish: A Podcast About Gay Stereotypes, a show that bridges the gap between sexuality and actuality. A three-time nominee for Best LGBTQ Podcast, Gayish has been featured in Oprah Magazine, Esquire and Queerty, among many other media outlets.

On this episode of Queer Money, Mike & Kyle join us to explain how even stereotypes that seem positive can be harmful to our mental health and our bank account. We discuss why so many gay men don’t prioritize their finances and how we might inspire more LGBTQ individuals to plan for retirement before it’s too late. Listen in for surprising insight around the idea that gay men are obsessed with sex and learn what YOU can do to help break queer stereotypes and build a financially strong LGBTQ community!

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Amy Coney Barret: The New Gay Agenda - Queer Money Ep. 234 Nov 03, 2020

Newly confirmed Supreme Court Justice Amy Coney Barrett was sworn in last Tuesday, October 27, 2020. And while it’s disappointing to see yet another conservative justice appointed to SCOTUS, we’re thinking about what we can DO as a queer community to further LGBTQ rights in America. How can we use our frustration to fuel the kind of action that will initiate real change?

On this episode of Queer Money, we’re sharing the four next steps the queer community must take in response to the appointment of Amy Coney Barrett. We explain why it doesn’t do us much good to spend our time and energy getting angry or upset about the conservative majority on the court and discuss the relationship between our individual financial security and the advancement of LGBTQ rights.

We go on to challenge you to stop spending more than you make and pay off debt, describing how your financial insecurity holds back the queer community as a whole. Listen in for insight on saving and investing to secure your financial future and learn why giving to LGBTQ causes and candidates is absolutely crucial in furthering the new gay agenda to protect and expand our rights.

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How to Make More Money with a Side Hustle - Queer Money Ep. 233 Oct 27, 2020

One of the big lessons we’ve learned in 2020 is that an extra stream of income is ALWAYS a good idea. But how do you pick a side hustle that’s right for you?

Daniella Flores is the creator of I Like to Dabble, a personal finance blog designed to help others build bigger and better lives with side hustles. In less than three years, Daniella and her wife Alexandra paid off $35K in debt with what she calls side dabbles—and by ‘getting their financial shit together.’ A software engineer by day, Daniella is passionate about helping people bring in more money and manage it well.

On this episode of Queer Money, Daniella joins us to explain what inspired her to become a serial side hustler. She discusses how being openly LGBTQ has helped her as an entrepreneur and describes how financial autonomy has both improved her confidence and changed her outlook on life. Listen in for Daniella’s insight on what makes for a successful side hustle and learn how YOU can take the first steps to earn extra money doing something you love.

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10 Crazy Ways We Save Money - Queer Money Ep. 232 Oct 20, 2020

15 years ago, we got serious about getting out of debt, and now, we’re on track to be retirement millionaires! How did we save that kind of money? By getting creative and implementing a few strategies that are simple, sometimes weird and maybe even a little sexy.

On this episode of Queer Money, we’re sharing the top 10 crazy ways we save money. We discuss some of the fun things we do to avoid going out (hello, Naked Sunday) and explain the savings and other benefits of celebrating a dry month and being our own baristas at home.

We go on to describe how we save thousands of dollars a year by grocery shopping less frequently, keeping our phones a little longer and choosing a limited data plan. Listen in for insight on how to save BIG by driving an older (but still cute!) car and choosing a home or apartment that won’t leave you house poor.

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When are Joint Taxes but Separate Finances Smart? - Queer Money Ep. 231 Oct 13, 2020

For LGBTQ married couples who normally keep their finances separate, the prospect of filing taxes jointly may seem complicated. How do your divide up the taxes you owe in a way that’s fair to both of you? Would it be easier just to file separately?

Harvey Susnick is a Partner at Berdon LLP, a leading accounting and advisory firm based in New York City. Harvey has four decades of experience as a CPA, running his own firm for 20 years before merging his practice into Berdon in 1998. He leverages his financial expertise to help individuals, families and couples (traditional and LGBTQ) make informed decisions and create retirement plans that align with their goals.

On this episode of Queer Money, Harvey joins us to address Queer Money listener Ben’s question around filing taxes as a married couple—when you normally keep your finances separate. He explains the pros and cons of filing jointly versus separately, describing how a couple’s income differential might impact their decision. Listen in for insight on what to consider when you or your partner are a 1099 employee and get his top money advice for married LGBTQ couples.

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3 Ways Cascading Homophobia Hurts Pay Equality - Queer Money Ep. 230 Oct 06, 2020

Despite the recent Supreme Court ruling in favor of LGBTQ job protections, homophobia and discrimination in the workplace did not *POOF* go away. And even companies that consistently score a 100 on the HRC Corporate Equality Index have instances of what I call cascading homophobia, a phenomenon that hits our community right in the pocketbook.

On this episode of Queer Money, I’m introducing the idea of cascading homophobia and explaining how it affects the LGBT pay gap. I share the formal definition of homophobia, describing how decision-makers in a company who are not homophobic themselves may allow their decisions to be influenced by senior leaders who are.

I go on to offer an example of cascading homophobia that John and I experienced working at Charles Schwab when we served as co-chairs of the company’s LGBT Employee Resource Group. Listen in to understand how cascading homophobia undermines our ability to earn more and learn the 3 things we can do to minimize (and eventually eliminate) cascading homophobia in the workplace.

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5 More Super Simple Investing Tips - Pt. 2 - Queer Money Ep. 229 Sep 29, 2020

It’s actually pretty simple to prepare for big expenses like retirement or your kid’s education. And the small contributions you make now grow into big money when you need it. So, isn’t it time you started or upped your investing game?

On this episode of Queer Money, we’re sharing our final five tips to super-simple investing. We discuss the benefits of starting an employer-sponsored retirement account and setting up automatic annual contribution increases to invest more and more over time.

We weigh in on the advantages of investing in a custodial or college savings account for your children, leveraging stock market growth to pay for their education and other expenses. Listen in for insight on starting a health savings account to cover medical costs and learn why it’s crucial to assign beneficiaries on all your investing accounts!

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5 Super Simple Investing Tips - Pt. 1 - Queer Money Ep. 228 Sep 22, 2020

No other part of the economy is designed for success quite like the stock market. So, what’s keeping you from being a member of the Investing Class? Do you think buying stocks and bonds is too complicated? The truth is, setting up an investment account is easy, and you can get started today!

On this episode of Queer Money, we’re sharing our first five tips to super-simple investing. We explain how to open a retirement or brokerage account online and set up automatic deposits funneled directly from your paycheck.

We go on to offer advice on investing in low-cost exchange-traded funds, or ETFs, discussing the benefits of having a diverse portfolio that includes different asset classes and variables. Listen in for insight on riding out the ups and downs in the market and learn how YOU can join the investing class ASAP.

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The Awesome Power of the 4 Financial Classes - Queer Money Ep. 227 Sep 15, 2020

What financial class do you belong to? Which one do you WANT to join? And what steps can you take to get there?

On this episode of Queer Money, we’re sharing the characteristics of the four financial classes, explaining how each category is based on behavior rather than income. We introduce the Leveraging Class, explaining how they live fabulously broke and why they spend to ‘keep up appearances’—to the detriment of their own financial security.

We go on to discuss the habits of the Spending Class, the group that spends every penny they earn, and the Saving Class, the group that’s either skeptical of or can’t quite afford to invest in the stock market. Listen in for insight into the benefits of entering the Investing Class and learn how to join the financial class that puts your money to work for YOU!

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What You Must Know Before Filing Bankruptcy - Queer Money Ep. 226 Sep 08, 2020

For those of us who are struggling to pay off debt, the idea of having those outstanding balances forgiven and simply starting over sounds pretty good. But if you’re thinking about filing for bankruptcy to eliminate your debt, it’s important to know that it’s not that simple.

Howard Dvorkin is the Founder of Consolidated Credit and Chairman of Debt.com, an educational platform and news site covering consumer debt. He has 27 years of experience in financial services and is one of the most highly regarded debt and credit experts in the US. Howard is also the author of two personal finance books, Power Up: Taking Charge of Your Financial Destiny and Credit Hell: How to Dig Out of Debt.

On this episode of Queer Money, Howard joins us to discuss the pros and cons of filing for bankruptcy, describing the two different kinds of bankruptcy and explaining why filing should be a last resort. He addresses the misconception that bankruptcy lets you off the hook, sharing the many adverse consequences of having a court filing on your record. Listen in to understand the variety of options available for getting out of debt and find out how Howard’s team of certified credit counselors can help you achieve a debt-free life!

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The Bizarre Way Your Money Story Hurts You - Queer Money Ep. 225 Sep 01, 2020

So, you desperately want to improve your financial life, but you just can’t seem to get ahead. It might surprise you to learn that your money story is what’s sabotaging your financial security. But how do you change your beliefs about money to set yourself up for financial success?

On this episode of Queer Money, we’re sharing the three most prevalent money stories, explaining how our subconscious beliefs about money influence our actions and why so many people who make millions still live in scarcity and fear around their finances.

We go on to discuss the habits that characterize a NEVER ENOUGH money story and explore what keeps the JUST ENOUGH-ers from growing their financial security—even when they earn more money. Listen in for insight into the benefits of adopting a MORE THAN ENOUGH money story and learn what you can do to cultivate an abundance mindset and improve your quality of life, no matter how much money you make!

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How Racism and Personal Finance Intersect - Queer Money Ep. 224 Aug 25, 2020

Building good money habits is key in improving your personal finances. But what if you don’t have access to the same resources as everyone else? What if you can’t get a mortgage to buy a home? Or you make less than your colleagues at work despite having the same qualifications? No doubt, institutional racism impacts the ability for Black Americans and other minority populations to build wealth and pass it on to the next generation.

Michelle Jackson is the serial entrepreneur and business coach behind Michelle is Money Hungry, a platform that helps passion-driven entrepreneurs make money online and educates older millennial and GenX women on personal finance. Michelle is also the founder of the Money on the Mountain retreat for financially single women and the host of the Michelle is Money Hungry Podcast. Her work has appeared in Business Insider, PBS NewsHour and CNBC, among many other media outlets.

On this episode of Queer Money, Michelle joins us to explore racism and personal finance, making the distinction between building good money habits and having access to the tools and systems for building wealth. She offers insight on dealing with systemic racism, explaining how discriminatory practices like redlining have affected people of color and sharing her experience as a Black woman in corporate America. Listen in for Michelle’s insight on how the values of our country are reflected in its budget and learn what you can do to be an ally for BIPOC and help put an end to systemic racism.

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7 Steps for Setting Attainable Goals - Queer Money Ep. 223 Aug 18, 2020

Frustrated that you’re not getting any closer to achieving your hopes and dreams? It’s not you, it’s your goals. Getting on the path to the life you want starts with setting attainable goals and then taking those small steps forward. But how do you go from WISHING for a better life to actually LIVING it?

On this episode of Queer Money, we’re sharing our top 7 tips for setting attainable goals. We walk you through the SMART process of goal setting, explaining why your goals need to be specific, measurable and time-bound so that you can track your progress along the way.

We go on to discuss the importance of setting goals that are within the realm of possibility and relevant to YOUR long-term happiness. Listen in for insight on developing a mindset of success and learn how to build out a plan for achieving your goals—financial and otherwise!

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Becoming a Gay Youtube Star with Jacob Michael - Queer Money Ep. 222 Aug 11, 2020

Do you have a unique perspective on gay culture? Would you like to share your experiences with a community online? For Jacob Michael, creating a YouTube channel is about having a voice, and he uses the platform to share his take on issues in the LGBTQ community that no one else is talking about.

Jacob Michael is a popular gay YouTube star and social media influencer with nearly 22K subscribers and hundreds of thousands of video views. He got his start doing vlogs for fun, but his channel evolved into a space for exploring his own experiences the queer community. Today, he films videos on key LGBTQ social issues like body shaming, dating culture and mental health.

On this episode of Queer Money, Jacob Michael joins us to explain what inspired him to start a YouTube channel and walk us through the logistics of getting started as a creator on the platform. He shares how much time and money he’s invested in his channel, describing the different ways influencers can monetize once they’ve grown a following. Listen in for Jacob Michael’s insight on withstanding criticism online and learn what steps to take to share YOUR unique voice on social media!

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10 Daily Habits to Be Happier, Healthier & Wealthier - Queer Money Ep. 221 Aug 04, 2020

Raise your hand if you want to be happy, healthy and rich! You CAN change for the better, and it starts with making simple changes in your daily life. So, what habits do you need to practice each day to reduce stress, feel better and get on the road to financial independence?

On this episode of Queer Money, we’re discussing 10 habits that will make you happier, healthier and wealthier. We begin by explaining why habits are crucial in making positive change, describing how practicing gratitude and showing kindness to others will attract more joy into your life.

We go on to share our top three habits for improving your wellbeing and challenge you to do little things that will better your mental and physical health. Listen in for advice on implementing simple money habits that will build wealth over time and learn what you can do TODAY to be a happier, healthier member of the queer community—well on your way to financial freedom!

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3 Ways to Get More Value Outta Pink Dollars - Queer Money Ep. 220 Jul 28, 2020

💸 Are you using your pink dollars for the highest good? If you want to help build a strong LGBTQ community with the resources to push for progress, there are several things you can do to make that happen.

On this episode of Queer Money, we’re sharing strategies to help you get more value from your pink dollars. We begin with a challenge to spend more of your money within the queer community, sharing ideas on how to shift your expenses to LGBTQ-owned and operated businesses, and much more.

🏳️‍🌈 Get the complete show notes here. 🏳️‍🌈

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The Shocking Cost of Varying Credit Scores - Queer Money Ep. 219 Jul 21, 2020

A bad credit score can cost you hundreds of thousands of dollars over the course of your lifetime. In fact, when the two of us were carrying $51K in credit card debt, we were spending $10K per year in credit card interest alone. So, how much is your credit score costing you?

On this episode of Queer Money, we’re uncovering the shocking truth about how much your debt is really costing you. We begin with a review of the credit score ranges from exceptional to very poor and discuss the five factors that impact your credit score.

We go on to explain how much interest a borrower in each credit score range pays on a credit card (on average), calculating how many thousands of dollars you could save each year with a better credit score. Listen in for insight on how your credit score impacts the amount of interest you pay on mortgage debt and find out how much your score is costing YOU—and what to do about it!

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How the Supreme Court Helped Protect LGBTQ Rights - Queer Money Ep. 218 Jul 14, 2020

The Supreme Court made history on Monday, June 15, 2020, ruling that the Civil Rights Act of 1964 applies to discrimination based on sexual orientation and gender identity. What does the decision mean for the LGBTQ community? And what steps can we take to make sure our employers follow the law?

On this episode of Queer Money, we’re discussing the Supreme Court’s recent ruling protecting LGBTQ workers. We cover LGBTQ workers’ rights in the US prior to June 15th, explaining how we could be terminated based on sexual orientation or gender identity in up to 30 states prior to the decision.

We walk you through the Supreme Court’s ruling on the Civil Rights Act, describing how we now have legal recourse in all 50 states if any part of our termination is related to our LGBTQ status. Listen in for insight on how this decision might impact workplace discrimination and learn how to document your experiences at work (both positive and negative) should you ever need to prove your case in a court of law.

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Should I use secured credit cards to build credit? - Queer Money Ep. 214 Jul 07, 2020

Full show notes and our favorite secured cards here: https://debtfreeguys.com/secured-credit-cards-bad-credit/

Let’s say you’re paying off a significant amount of credit card debt with the help of a debt settlement company, and you’re looking for ways to improve your credit score. Is it a good idea to apply for a secured credit card?

On this episode of Queer Money, we’re explaining how secured credit cards work and what you need to think about BEFORE you apply for one. We discuss the top three factors that impact your credit score, weighing in on just how much payment history, credit mix and credit utilization matter.

We walk you through three important questions to ask yourself before you get a secured credit card, exploring the habits you need to put in place to make good decisions. Listen in to understand how garnishment works (and how it applies to the deposit on a secured credit card) and find out if a secured credit card might help YOU build your credit score.

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4 Key Tips to Investing in Volatile Markets - Queer Money Ep. 213 Jun 30, 2020

When the Coronavirus triggered a stock market crash, a lot of investors panicked. Others saw the dip as an opportunity to buy. So, what if you want to invest, but you don’t want to live on an emotional roller coaster? Is there an approach to investing that lends to calm, even when markets are volatile?

Stephanie and Gillian are the Canadian expat couple behind Our Freedom Years, a blog that follows their path to financial independence and early retirement. Experts in DIY investing, they gave up their corporate careers in October of 2019 for a life of slow travel. Stephanie and Gillian also share their adventures (and money advice) on the Our Freedom Years YouTube channel.

On this episode of Queer Money, Stephanie and Gillian join us to explain what inspired them to pursue early retirement and describe the role investing played in achieving financial independence. They discuss the creative ways they saved money (without feeling deprived) and walk us through their four principles of investing. Listen in for insight on developing a strategy that takes the emotion out of investing and learn how to get started on your own journey to financial freedom!

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A Big Debt Free Guys Announcement - Queer Money Ep. 212 Jun 23, 2020

We’re so excited, and we just can’t hide it! Our signature system for paying off credit card debt has its own dedicated site at DebtLasso.com. So, what inspired us to build a platform separate from Debt Free Guys? And what will you find on the new site?

On this episode of Queer Money, we’re announcing the launch of DebtLasso.com, explaining how our recent appearance on Good Morning America accelerated the creation of the site. We discuss how the platform can support you in paying off your credit card debt faster than other methods, providing all of the tools you need in one convenient place.

We go on to walk you through the five steps of our method, describing how it helps you lasso all of your debt into as few locations as possible—at the lowest interest rate possible. Listen in for insight on how our Credit Card Pay Off Plan (now available year-round!) and our Debt Lasso method work together and learn how YOU can use the site to be debt free, ASAP!

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9 Fun Ways to Celebrate Pride at Home - Queer Money Ep. 211 Jun 16, 2020

We could all use a Pride Parade right about now, but 2020 is just not cooperating. So, what can we do to make this June as much fun as those past? How can we show our pride and celebrate the LGBTQ community wherever we are?

On this episode of Queer Money, we’re sharing nine fabulous ideas for celebrating Pride at home. We challenge you to connect with friends virtually and offer our best ideas for showing off your pride wherever you are—displaying your rainbow flags and banners, sharing Pride photos on social, and maybe even staging your own one- or two-person Pride Parade!

We go on to encourage you to support others in the queer community during Pride by giving to LGBTQ organizations or showing a little love to an older LGBTQ person. Listen in for insight on how to make June 2020 the month you start taking pride in your money and learn what you can do to make this year’s Pride just as meaningful and fun as years past and those to come!

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The Curious Thing about Polyamory Finances - Queer Money Ep. 210 Jun 09, 2020

It’s hard enough to get two people on the same page when it comes to money. So, what do you do when there are three or more people involved?

What’s the best approach to money management for those of us in polyamorous relationships?

Michelle Waymire is the fiduciary financial advisor behind Young & Scrappy, a platform that offers financial coaching, financial planning and business coaching to young professionals, LGBTQ+ and polyamorous clients. Michelle holds an MBA from the University of Tennessee, and her work has been featured in US News & World Report, Bustle and on Credit.com.

On this episode of Queer Money, Michelle joins us to explain how she defines polyamory and what her own polyamorous relationship looks like. She walks us through the similarities and differences between polyamorous and traditional binary relationships, sharing the advice she gives both couples and polycules around money management. Listen in for Michelle’s insight on poly retirement planning and learn the best approach to initiating the money conversation in a polyamorous relationship.

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Saving vs Spending: Which Is Better Today? - Queer Money Ep. 209 Jun 02, 2020

A member of our Credit Card Pay Off Course and Queer Money Facebook Group forwarded us the recent CNN article, “New Threat to the Economy: Americans Are Saving Like It’s the 1980’s.” Can saving really be a threat to the economy? Just how much does our economy depend on consumer spending and credit card debt? And in light of the Coronavirus shutdown, should you be saving or spending money right now?

On this episode of Queer Money, we’re taking a closer look at the CNN article on how the pandemic is impacting the economy, explaining what the statistics on shrinking credit card debt really mean and why many Americans fear that we may be heading into another Great Recession or even a Great Depression. We share how our Facebook community responded to the CNN piece, discussing the sustainability of our economic system in the long term and sharing our concerns that people will be guilted into overspending for the sake of the economy.

We go on to offer advice for deciding whether to save or spend based on how you’ve been impacted by the pandemic, encouraging OH NOs to spend only on necessities, STATUS QUOs to balance saving and spending as normal, and GUNG HOs to focus their spending on small and LGBTQ-owned businesses. Listen in for insight around how to reduce your financial stress in this uncertain time and learn how to make money decisions that are in YOUR best interest—and the best interest of the queer community.

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7 Quarantine Date Ideas with Your Partner - Queer Money Ep, 208 May 26, 2020

With most traditional date night activities off the table, you and your partner may be struggling to find things to do together beyond ‘Netflix and chill.’ What can you do to keep your relationship strong and create new shared memories, whether you’re sheltering in place together or apart?

On this episode of Queer Money, we’re sharing our best quarantine date ideas for you and your partner. We challenge you to picnic (in your car) in a desirable neighborhood or plan your post-quarantine vacation, explaining how these fun activities can lead to shared, aspirational goals.

We go on to discuss the benefits of having lots and lots of sex during lockdown, exploring how romantic gestures like writing a traditional love letter or creating a photo collage can bring you closer together as a couple. Listen in for insight on getting to know your partner better by reading a book together and learn how to have fun and support local businesses with a ‘progressive takeout’ theme night!

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9 Fun Ways to Stay Sane During Quarantine - Queer Money Ep. 207 May 19, 2020

If being quarantined at home has you going a little (or A LOT) stir crazy, you are not alone. We’ve all been forced to adjust to new circumstances to limit the spread of COVID-19. But there are things you can do to protect your mental health and hang onto your joy despite the current limitations.

On this episode of Queer Money, we’re walking you through the nine things we’re doing to stay sane during quarantine. We share the books, TV shows, movies and podcasts we are consuming to stay inspired right now and challenge you to make intentional choices about what to read, listen to and watch during this already stressful time.

We weigh in on the benefits of eating healthy and maintaining an exercise program, offering tips on how to work out without the luxury of a gym—and forgive yourself for the occasional afternoon of Netflix with Ben & Jerry. Listen in to understand how a daily meditation practice is making our time at home more manageable and find out how turning up the intimacy in your relationship can help you stay sane during quarantine!

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How to Separate Business & Personal Finances - Queer Money Ep. 206 May 12, 2020

Are you using your personal checking account for your side hustle? If you’re just starting a microbusiness, it may seem like it’s not that big of a deal to comingle your money. But Manny Cosme contends that whether you run a small Etsy store or you’re building the next big Fortune 500 company, it’s important to keep your business and personal finances separate.

Manny is the President and CEO of CFO Services Group, an accounting firm based in Washington, DC. He has more than 20 years of experience in financial management, accounting and administration, working almost exclusively with small businesses to get their finances back on track. Manny served as the Vice President of Finance and Administration for the US Hispanic Chamber of Commerce for five years before founding CFO Services Group in 2012.

On this episode of Queer Money, Manny joins us to explain why it’s important to keep our business and personal finances separate, discussing the legal, tax and management ramifications of comingling our money. He shares the distinctions among a sole proprietorship, an LLC and a corporation, encouraging us to open a separate bank account for our business, no matter its structure. Listen in for Manny’s insight on the benefits of getting an EIN (whether or not it’s required) and learn the easiest way to start separating your business and personal finances—today!

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10 Pros & Cons of Side Businesses - Queer Money Ep. 205 May 05, 2020

We know that it’s a good idea to have multiple streams of income. And starting your own business is an obvious way to bring in additional revenue and enjoy a little extra security—especially in uncertain times. But there are real challenges associated with managing a side hustle. So, how do you know if entrepreneurship is the right move for you?

On this episode of Queer Money, we’re addressing Justin’s question around the pros and cons of starting your own side business. We share the results of the Queer Money Facebook poll on the topic, discussing how many in our community already run a side hustle and what percentage of them are ‘making bank’ with this additional income stream.

We weigh in on the pros and cons of starting your own side business, getting real about the loss of free time, the financial investment and the emotional roller coaster associated with running a business in addition to your 9-to-5. Listen in for insight into the advantages of starting a side hustle, including the tax benefits, personal freedom, and uncapped income potential available to entrepreneurs who manage to turn their passion into a successful business.

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What are the Different Types of Financial Advisors? - Queer Money Ep. 204 Apr 28, 2020

If you have a strong interest in managing your own money, you may not need the advice of a financial advisor. But if you are new to investing or need specific help in planning for the future, you may want to seek out a professional opinion. So, what are the different types of financial advisors you have to choose from? And how do you pick the one that’s the best fit for you?

On this episode of podcast, I’m addressing Zack’s question about the different types of financial advisors. I share the results of the Queer Money Facebook poll on using a financial advisor and explain what you need to know about a fee-only versus a fee-based advisor.

I go on to discuss the characteristics of a fiduciary and non-fiduciary advisor, describing which one is required to put your best interests first and what you can learn about a prospective financial advisor from their Uniform Application for Investment Registration or ADV form. Listen in to understand the differences among a robo-advisor, an online advisor and a traditional advisor and learn how to choose a firm that supports the LGBTQ community!

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9 Ways to Make Money Right Away - Queer Money Ep. 217 Apr 25, 2020

This episode is a bonus Queer Money to help you during this difficult time.

COVID-19 is impacting all of us in many ways. We want to help reduce that impact on your finances as much as possible.

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How to Plan Long-Term Money Goals - Queer Money Ep. 203 Apr 21, 2020

You wouldn’t road trip from New York to LA without a map of some kind, right? And yet, most of us treat our financial lives this way, hoping that we’ll make it to where we want to go without a plan of any kind. So, what does long-term financial planning look like?

On this episode of Queer Money, we’re addressing a listener question (thanks, Alyssa!) around creating a long-term financial plan. We introduce the top excuses we hear for not having long-term goals and walk you through examples of the different kinds of financial goals, from immediate or daily objectives like cutting grocery expenses to 20-year plans to save for retirement.

We go on to discuss the results of the Queer Money Facebook survey on big financial goals, sharing the medium- and long-term targets that the members of our community are working toward. Listen in for our advice to Alyssa on building long-term financial security, reducing the risks associated with investing, and supporting organizations that provide services to the LGBTQ community.

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This Too Shall Pass, and Here's How - Queer Money Ep. 202 Apr 14, 2020

The order to stay at home to prevent the spread of COVID-19 has changed life as we know it. In addition to the fears around our physical health, many of us are out of work and nervous about our financial health too. So, what can we do to get through this very difficult time?

On this episode of Queer Money, I’m discussing the challenges many of us are facing in light of the Coronavirus pandemic, describing how job loss and income insecurity are causing additional stress and anxiety. I share the results of the Queer Money Facebook poll on how our community is faring right now, from those who are optimistic about getting through the crisis to those who are really struggling.

I open up about our own experience with income insecurity in January 2019, explaining how defeated John and I felt at the time and what we learned about not giving up on our dreams. Listen in for insight on what you can do to survive these challenging financial times and remember that ‘this too shall pass.’

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9 Ways to Trim Your Budget Right Away - Queer Money Ep. 216 Apr 12, 2020

This episode is a bonus Queer Money to help you during this difficult time.

COVID-19 is impacting all of us in many ways. We want to help reduce that impact on your finances as much as possible.

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How to Cover Unexpected Expenses - Queer Money Ep. 201 Apr 07, 2020

We simply can’t predict what life will throw at us. But we do have options when unexpected expenses arise. Listener Rob is a young homeowner who needs to repair his retaining wall but doesn’t have access to a home equity line of credit. So, what should he do?

On this episode of Queer Money, we’re discussing what to do if you’re faced with an unexpected expense. We explain the difference between an unexpected expense and an emergency expense in terms of time sensitivity and payment options, encouraging you to start a dedicated savings account for unexpected expenses—especially if you’re a homeowner.

We also walk you through your options for covering an unexpected expense (if you don’t have dedicated savings account), weighing the pros and cons of tapping into your emergency savings, relying on financing, or borrowing from family and friends. Listen in for our advice to Rob and learn what you can do to pay for the unexpected expenses many of us are faced with right now.

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9 Ways to Crisis Proof Your Home Finances - Queer Money Ep. 215 Apr 03, 2020

This episode is a bonus Queer Money to help you during this difficult time.

COVID-19 is impacting all of us in many ways. We want to help reduce that impact on your finances as much as possible.

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7 Steps to Achieve a FIRE Lifestyle with Court of Modern Fimily - Queer Money Ep. 200 Mar 31, 2020

As part of the queer community, we were BORN to deviate from the norm. So, why do we feel pressure to conform to societal values when it comes to spending? Members of the FI/RE community are non-conformists around money, optimizing their finances to achieve financial independence, retire early and enjoy the freedom of doing exactly what they want with their time. Curious how YOU can be a part of this special breed of unicorn?

Court is one-third of Modern FImily, a financially independent lesbian family on a mission to help others achieve financial freedom. Court and her partner Nic went from $110K to $1M in net worth in nine years and achieved financial independence in 2018. Today, Nic stays at home full-time with their daughter and Court works part-time, and they hope that sharing their experiences will inspire others to join the FI/RE community.

On this episode of Queer Money, Court joins us to discuss how she approaches finances like a game and share her very simple (but super-powerful) way to track spending. She explains how she was introduced to the FI/RE community, describing how she and Nic spend according to their values and get the most bang for their buck doing the things they love. Listen in for Court’s insight on how being LGBTQ impacts her FI/RE journey and learn how YOU can leverage being a non-conformist to improve your financial life!

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What Happens When Partners Have Different Credit Scores? - Queer Money Ep. 199 Mar 24, 2020

Do you know your partner’s credit score? Is it in a similar range as yours? Or very different? Why does it matter? And what can you do about it?

On this episode of Queer Money, we’re discussing what to do if you and your partner have significantly different credit scores. We start by explaining how scores in different ranges can impact your lives together and sharing how we approach the work of improving our financial lives as a team.

We also uncover the results of our Queer Money Facebook Group poll on couples and credit scores, weighing in on why it’s important to have a dialogue of trust when it comes to money. Listen in for our top 5 tips for improving your credit score WITH your partner and learn how to work together to build a secure financial future!

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Our #1 Tip to Never Miss a Bill - Queer Money Ep. 198 Mar 17, 2020

Have you ever woken up in the middle of the night in a panic because you forgot to pay a bill? Or experienced that horrible, sinking feeling when you receive the notification you’re being charged a late fee?

On this episode of Queer Money, we’re sharing our #1 tip to never miss a bill. David explains how not having a plan to pay bills was the origin of his debt story, discussing the anxiety he felt around not having enough money to do the things he wanted.

We also reveal the results of our Queer Money Facebook Group poll on bill pay systems and walk you through our send-it-before-you-spend-it approach to paying bills, describing how to implement paycheck budgeting whether you’re paid weekly, monthly or bimonthly. Listen in to understand the benefits of consistently paying bills on time and in full and learn how to set up systems so you never miss another bill!

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How to Build Wealth in Yourself and the Community - Queer Money Ep. 197 Mar 10, 2020

Women face some challenging economic truths: They’re generally paid less than their male counterparts, they’re often the primary caretakers for both children and aging parents, and they’re targeted to spend on consumer goods by a culture that values material things over financial stability. Sound familiar to anyone in the LGBTQ community? So, how can we ALL build the wealth necessary to level the playing field?

Allegra Moet Brantly is the Founder and CEO at Factora Wealth, a platform designed to empower women to build real wealth through community, education and events. She spent nine years in corporate America, living paycheck to paycheck despite a six-figure salary, before reinventing herself as an entrepreneur. Allegra is passionate about helping women level-up their earning and investing potential to achieve financial freedom.

On this episode of Queer Money, Allegra joins us to explain what inspired her mission to help one million women reach $1M in net worth. We discuss the parallels between women and the LGBTQ community when it comes to money, and Allegra offers insight on the value of developing financial literacy within a community. Listen in for Allegra’s advice on spending in alignment with what brings you joy and learn some simple strategies for initiating the money conversation with your friends and colleagues.

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5 Simple Steps to Financial Forgiveness - Queer Money Ep 196 Mar 03, 2020

Feeling a little guilty when you make a money mistake is not necessarily a bad thing. It means you care about improving your financial situation. But some of us get stuck in a shame spiral that impacts our mental health and actually stops us from making progress. So, how can we learn to forgive ourselves for money missteps, learn from the situation and move on?

On this episode of Queer Money, we’re sharing our top five tips for forgiving yourself for money mistakes. John describes his own experience with financial anxiety, explaining how forgiving himself was the first step in fixing his mistakes and moving forward.

We also uncover the results of our Queer Money Facebook Group poll on forgiving our financial mistakes, discussing how difficult it is for so many in the LGBTQ community to let it go. (Cue Elsa in Frozen.) Finally, we introduce Hal Elrod’s Five-Minute Rule for getting past our frustrations and share several ideas for performing a ceremonial act of self-forgiveness. Listen in for insight on admitting to and learning from your money mistakes and find out how to forgive yourself and move on.

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What You Should Know about Backdoor Roth IRAs - Queer Money Ep. 195 Feb 25, 2020

Have you ever heard of a backdoor Roth IRA? Yes, it IS a real thing. And no, it’s NOT something you do in the bedroom! A backdoor Roth IRA is a way to save for retirement if you want the benefits of a Roth IRA but don’t qualify for one. So, when would you want to use a backdoor Roth IRA?

On this episode of Queer Money, we’re sharing what you need to know about backdoor Roth IRAs. We review the tax benefits of the Roth IRA as well as its income limits on contributions, explaining how the backdoor Roth affords people who earn too much in a given year the advantages of a Roth—without the restrictions.

We also discuss the results of our Queer Money Facebook Group poll on taxable income, define the concept of modified adjusted gross income (MAGI), and offer examples of circumstances when YOU might take advantage of a backdoor Roth IRA. Listen in for the step-by-step process of initiating a backdoor Roth IRA and learn how a financial advisor can help you (no matter how much you make) take advantage of loopholes like this one!

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What’s the Difference Between a Traditional and Roth IRA? - Queer Money Ep 194 Feb 18, 2020

According to the 2018 Prudential Financial Wellness Census, only 27% of LGBTQ individuals surveyed said they were participating in an employer-sponsored retirement plan. If we want to live a fabulous life well into our golden years, it’s important that we invest in some type of retirement account—and two of our options are the traditional and Roth IRA.

On this episode of Queer Money, we’re discussing the pros and cons of the traditional versus Roth IRA and helping you decide which type of retirement account is best for you. We explain the need for the LGBTQ community to save for the future and share the encouraging results of our retirement account poll in the Queer Money Facebook Group.

We walk you through the pros and cons of the traditional IRA, covering its immediate tax benefit and penalty for early withdrawal. And we describe how the Roth differs, from its income limits on contributions to its tax benefit when you retire. Listen in for insight on deciding which retirement account is the right fit for you and learn about the advantages of saving for retirement via an IRA.

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Why LGBT Military Finances are So Unique - Queer Money Ep. 193 Feb 11, 2020

According to the National Foundation for Consumer Credit, 77% of military servicemembers are worried about their finances. Roughly one-third say they don’t pay all their bills on time. And 58% of servicemembers carry credit card debt, compared to 34% of the general population. So, how can we help the members of our military (queer or straight) manage their money more effectively?

Mike Poulin is a Certified Financial Trainer at the Financial Gym, a financial services firm that takes a fitness-inspired approach to clients’ personal finances. He is also a former active duty mechanic and Platoon Sergeant in the Marine Corps, currently serving in the US Army Reserves. Prior to joining the military, Mike spent seven years as a Debt Solutions Specialist at a credit union. Mike is passionate about helping people reach their financial goals and achieve financial freedom.

On this episode of Queer Money, Mike joins us to explain what motivated him to join the military and share his experience as an out bisexual in the Marine Corps. He addresses the financial challenges facing military servicemembers, discussing how he helped the Marines in his platoon cut costs and make more informed money decisions. Listen in for Mike’s insight around military service and financial stress—and learn how he is creating a product tailored to active duty servicemembers at the Financial Gym.

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5 Essential Gay Couple Money Tips - Queer Money Ep. 192 Feb 04, 2020

When should you start talking about money in a new relationship? We know that financial stress can have a negative impact on our relationships, while healthy money conversations can strengthen a couple’s connection—and even lead to better gay sex! But when is the best time to bring it up?

On this episode of the podcast, we’re sharing the results of our couples money conversation poll in the Queer Money Facebook Group, offering our insight on why talking about finances is crucial for couples who cohabitate and what questions it’s okay to ask early on in a new relationship.

We walk you through our top five money tips for gay couples, explaining why it’s best to have the initial money conversation in public and how to work together on improving your credit scores. Listen in to understand the benefit of opening a joint account for shared expenses, teaming up on your finances with the Honeyfi app, and setting mutual money goals as an LGBTQ couple!

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How to Overcome Suffocating Financial Anxiety - Queer Money Ep. 191 Jan 28, 2020

Do you ever feel like a deer in headlights when it comes to money? You are not alone. Nearly 70% of the LGBTQ respondents in our poll said they feel financial anxiety on a regular basis. So, how do we get un-stuck and overcome the overwhelm that is holding us back?

On this episode of Queer Money, we start by making the distinction between true money problems and financial anxiety, explaining what’s behind the unhealthy relationship many of us have with money. We share our own issues with money anxiety and discuss how our experiences growing up led to a scarcity mindset.

We walk you through the results of our Queer Money Facebook Group financial anxiety poll, exploring why so many in our community struggle with making the right kinds of decisions to improve themselves financially. Listen in to understand how appreciating what you’ve got, taking small steps to improve, and finding someone to talk to about money can help you overcome financial anxiety!

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What Your Personal Spending Analysis Reveals to You - Queer Money Ep. 190 Jan 21, 2020

If you’ve never done a spending analysis, there’s a good chance you’ll be shocked to find out where your money is going. (For us, it was the $800 a week we were spending on gourmet groceries and dining out!) But once you KNOW what is sabotaging your financial security, you can stop spending unconsciously and start investing in what’s important to you.

On this episode of Queer Money, we’re discussing the value of doing a spending analysis to uncover what’s working and what isn’t in our financial lives. We explain the idea of spending outliers, sharing what blew our minds about where our money was going and how we realigned our spending habits according to our values.

We go on to share some of the spending outliers that surprised the students using our Credit Card Pay Off Plan and how they are using that information to improve their financial lives. Listen in for insight around the different spending analysis apps available and learn the benefits of using our free tool, the Debt Free Guys Spending Analysis.

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Overcoming Workplace Disability Issues - Queer Money Ep. 189 Jan 14, 2020

Are you taking full advantage of ALL your workplace benefits? Most of us don’t think we need disability insurance, assuming it applies only to catastrophic events. But what if you had to miss work for a few weeks to recover from, say, a broken leg? Or having your appendix taken out? Would you be able to go without that income?

Dr. Kristin Tugman is the Vice President of Customer Analytics and Consultation at Prudential Financial. Her team helps employers and employees alike better understand and use disability benefits in the workplace, with the goal of minimizing employer’s costs and boosting employee engagement, satisfaction and performance. Dr. Tugman is committed to recognizing trends and leveraging research to maximize productivity and minimize absence in the workplace, and she has a special interest in the psychology of returning to work after a disability leave.

On this episode of Queer Money, Dr. Tugman joins us to discuss the benefits of having disability insurance and address the common misconception that it only applies to catastrophic events. She explains the challenges associated with returning to work after you’ve been out, describing what employers, managers and coworkers can do to help make the transition back to work easier. Listen in for Dr. Tugman’s advice on taking full advantage of the income protection and health benefits available through your employer and learn what YOU can do to prepare financially should any kind of illness or injury keep you from working.

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3 Game-Changing Tips for a New Year’s Evolution - Queer Money Ep. 188 Jan 07, 2020

When we asked the Queer Money community about their experience with New Year’s Resolutions, not a single person reported having ‘great success’ with keeping them. And only 27% said they stick to their resolutions ‘most of the time.’ So, how can we rethink the way we set goals for the New Year? And what steps can we take to evolve into our best selves in 2020?

On this episode of Queer Money, we’re sharing three tips for turning your resolutions into a true New Year’s Evolution. We explain how your vision of your best self already exists and offer insight around gradually replacing your current habits with the behaviors of the person you want to be, be it a marathon runner or someone who’s financially secure.

We go on to discuss why it’s crucial to tackle one goal at a time and how an accountability partner (like the Queer Money Facebook Group) can help keep you on track. Listen in for advice on breaking your big goals down into bite-sized pieces and learn how you absolutely CAN achieve lasting change in 2020!

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3 Strategies to Live Debt Free in 2020 - Queer Money Ep. 187 Dec 31, 2019

Is 2020 the year you’re going to get out of credit card debt and start working toward your big dreams? If you’re ready to achieve financial independence in the new year, we can help. In fact, we’ve got three big things on the horizon to support you in reaching your money goals.

On this episode of Queer Money, we’re sharing the three ways we’re helping the LGBTQ community in 2020. We explain why we’re reopening the doors to our Credit Card Pay Off Plan, walking you through the benefits of participating and where to go for more information. Available at debtfreeguys.com/debtfree2020

We go on to discuss why we’re incorporating more travel-focused content in 2020, sharing what we’ve learned about travel hacking so you can spend consciously and vacation more often. Listen in for insight around our commitment to offering an actionable money tip (with a rainbow flavor!) on each episode of the podcast moving forward and find out what we’re doing to improve your financial life in the new year.

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How to Identify and Overcome Trauma - Queer Money Ep. 186 Dec 24, 2019

You would be hard-pressed to find someone who’s never experienced trauma of any kind. But those of us in the LGBTQ community have endured more than our share of what mental health professionals call Big-T Traumas like abuse or even physical attack. So, how do we identify the adverse experiences from the past that are impacting our lives today? And what can we do to overcome those traumas and live the fabulous lives we deserve?

Nick Venegoni is a psychotherapist and certified hypnotherapist in private practice in San Francisco, California. He specializes in supporting queer professionals struggling with anxiety, anger, relationship issues or trauma, with the goal of helping them find more joy and ease in their lives. Nick also offers holistic coaching to spiritual LBGTQ individuals globally through Queer Healing Journeys and serves as the host of The Queer Spirit Podcast.

On this episode of Queer Money, Nick joins us to share his definition of trauma and discuss why we may not even know we’ve experienced it. He explains how to identify trauma, describing the most common things we do to mask the pain of our adverse childhood experiences. Listen in for Nick’s insight around taking action if trauma is adversely affecting your life and learn about the close connection between our physical and mental health.

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How We Can Afford to Live in Spain for 3 Months Pt. 2 - Queer Money - Ep. 185 Dec 17, 2019

Wish you could live overseas for three months, but don’t think you can afford it? What if I told you it’s possible to live in Spain for 12 weeks and spend less than you would in most American cities? In fact, there are five tactics we’re using to budget for an extensive, geoliberated adventure in Europe—without spending any more than we would at home.

On this episode of Queer Money, we walk you through the five strategies we’re using to live in Spain for LESS than we might spend in a comparable US city. We explain how we chose the seaside town (and gay mecca) of Sitges and why we’re traveling there in the offseason. We also share the advantages of staying in an Airbnb over a hotel and describe the deep discount we negotiated with the host for our extended stay.

We go on to talk about the benefit of avoiding high-cost, touristy areas and leveraging public transportation to keep our expenses low. Listen in for advice on securing affordable global travel insurance and learn how YOU can replicate our geoliberated lifestyle and live overseas for LESS!

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5 Unique Money Challenges in the LGBT Community - Queer Money Ep. 184 Dec 09, 2019

As you know, Capital One is a supporter of the Queer Money Podcast and other Debt Free Guys initiatives like Money Tips Tuesday and the Queer Money Live Tour. As part of that partnership, Capital One leadership recently invited us to their corporate center in Richmond, Virginia, to speak to Costanza Castelnuovo-Tedesco and the Capital One Business Resource Group about the financial issues specific to the LGBTQ community and what they can do to help us overcome those unique challenges.

In this Queer Money we talk about those issues, why they exist and how we can overcome them as individuals and a community.

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How We Can Afford to Live in Spain for 3 Months Pt. 1 - Queer Money - Ep. 183 Dec 02, 2019

Think you’ve got to be rich to afford three months in Europe? The truth is, you CAN live a geoliberated lifestyle and enjoy extended adventures like the one we’re planning to Spain this winter. All it takes is some simple preparation. So, what are the three big things we did in advance to make our travel dreams a reality?

On this episode of Queer Money, we’re sharing the three steps we took to pursue the geoliberated lifestyle that makes three months in Spain possible for us. We explain how we built a business that allows us to live and work from anywhere and encourage you to take advantage of the gig economy, creating a web presence around your talents and interests.

We go on to discuss the conventional expenses we DON’T have, describing the freedom and flexibility that come with having fewer attachments—as well as the tradeoffs we’ve made that afford us the opportunity to be geoliberated. Listen in for insight around keeping travel money in an ‘arm’s length account’ and learn how we travel hacked our way to Spain with two roundtrip flights for just $187!

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5 LGBT Creative Advantages in Business - Queer Money Ep. 182 Nov 26, 2019

Navigating the world as a member of the LGBT community gives us an advantage when it comes to creativity, allowing us to see possibilities that others may not and affording us a different way of looking at the world. So, how can you tap into that inherent creativity to grow your business and brand? How can you leverage imagination as a superpower and become a creative entrepreneur?

Peter Krask is the Founder and Creative Director of The Creativity Guide, a venture that helps entrepreneurs and artists tap into their creativity and provides support and direction in designing and running a business. He was recently selected to be a Dedicated Mentor at the New Museum in New York City for Year 6 of the New Inc. Program. Peter is also an accomplished photographer and writer, and he has been the President of PMK Floral Arts for 20-plus years.

On this episode of Queer Money, Peter joins us to define creative entrepreneurship and discuss what creatives and entrepreneurs have in common. He shares the connection between being queer and being creative, weighing in on what creativity blocks LGBT entrepreneurs have in common and how we can capitalize on our ability to see possibilities outside the norm. Listen in for insight around Peter’s role as a Creativity Guide and learn how tap into your imagination and leverage creativity as a superpower.

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How to Smartly Give to LGBTQ Community - Queer Money Ep. 181 Nov 19, 2019

How much have you given back to the LGBTQ community this year? You don’t have to have a lot of money to support the organizations that provide for the most vulnerable among us. In fact, a relatively small donation of $50 a month from each of us (that’s three NYC-priced cocktails) would add up to $9B! And if you can’t spare the money, there are other ways to give.

On this episode, we’re challenging listeners to give back—in whatever way you can. We discuss why the queer community needs so much help, shining a light on the LGBTQ youth, transgender and senior populations who need extra support and offering insight into some of the national, regional and local organizations dedicated to helping the queer community.

We go on to share some of the best ways to give, from recurring contributions to volunteer work to building brand awareness. Listen in for the details of our commitment to donate time and money to the LGBTQ community and learn how developing a plan to give back benefits YOU!

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What Would You Do with a $5,000 Bonus - Queer Money Ep. 180 Nov 12, 2019

You’ve come into a little extra money. Maybe a tax refund, a bonus at work, or a check from your Aunt Mable for your birthday. Without a plan, you may be tempted to spend the unexpected cash on something frivolous, like a trip to Vegas. So, let’s think it through. What would you do with, say, an extra $5K?

On this episode, we’re sharing the top answers to this question in our Queer Money Facebook group. We applaud the responses focused on financial improvement (like paying off debt, investing and saving for an emergency) and discuss how to incorporate spending on self-care without going overboard.

We go on to talk about the idea of setting milestone rewards as you pay off debt and explain what WE would do with an unexpected extra $5K. Listen in to understand why the LGBT community struggles financially and learn how making money-conscious micro-decisions day to day is the key to improving your financial situation—whether you get a $5K bonus or not!

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Which Credit Card Should I Pay Off First? - Queer Money Ep. 179 Nov 05, 2019

Okay, you’ve made the commitment to pay off all your credit cards. You want them done and gone. Then, what do you do? You’ve got several credit cards with different balances and different interest rates – though all high-interest rates.

How do you pick which credit card to pay off first, then second, then third and (well – we could go on and on)?

For most people, wanting and even deciding to pay off their credit cards isn’t the problem. It’s picking which strategy to use to pay off their credit cards and deciding which to pay off first. Then, sticking with that strategy until all their credit card balances are $0.

On this Queer Money®, we’ll talk about the two most popular strategies for paying off credit cards, neither of which are as good as the third, exclusive way to pay off credit cards that we’ll share. Then, we’ll tell you exactly how to decide which strategy will work best for you and pick that first credit card to pay off.

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How to Talk to Mom & Dad About Their Money - Queer Money Ep. 178 Oct 29, 2019

A 2010 Met Life study comparing LGBT baby boomers with their straight counterparts found that the queer respondents were more likely to serve as caregivers to family and friends than their straight peers. Because those of us in the LGBTQ community are less likely to have children, our siblings may assume that we’ll be the ones to take care of our aging parents when the time comes. This is a huge responsibility, and it goes beyond providing physical and emotional support. Do your parents have their legal and financial matters in order? And how do you find out without offending anyone?

Cameron Huddleston is an award-winning journalist with 17-plus years of experience writing about personal finance. She has been featured in Kiplinger, Business Insider and Fortune, among many other media outlets. Cameron is also the author of Mom and Dad, We Need to Talk: How to Have Essential Conversations with Your Parents About Their Finances and a regular columnist for GOBankingRates.

On this episode of Queer Money®, Cameron joins us to discuss why it’s so difficult to talk to our parents about money and offer ideas on how to initiate the difficult conversation. She walks us through the right questions to ask, explaining how it might impact us if our parents don’t have a plan for long-term care. Listen in to understand how Cameron’s personal experience inspired her to write the book and get her expert advice around how to help your parents plan for the future—without making them too uncomfortable!

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How to Pick Your Best Career [and Life] - Queer Money Ep. 177 Oct 22, 2019

What should I do with my life? A lot of us in the LGBTQ community seem to settle for jobs that are in the realm of easy possibility rather than finding and fulfilling our true purpose. But how do you know what you’re called to do? How do you pick a career that’s perfect for you?

On this episode of Queer Money, I’m sharing my own long road to purpose-driven work. I explain how I acquired $34K in credit card debt after college and what inspired my transition from retail to a career in financial services. I describe the early signs from the universe that were steering me toward my purpose, including an inspiring episode of Oprah and the feat of paying off our $51K in debt.

I go on to discuss the kick in the pants the universe gave me in the form of depression and a difficult boss, weighing in on how our savings gave me the resources to walk away from my W-2 and start the Debt Free Guys platform. Listen in for insight around how my life has changed now that I’m pursuing my true calling and get inspired to pick a career that fulfills YOUR purpose!

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Can Social Impact Help the Queer Community? - Queer Money Ep. 176 Oct 15, 2019

What makes the gay rights campaign one of the most successful advocacy movements of all time? The LGBTQ community started with corporate America. We recognized our impact as an economic powerhouse and partnered with the business community to promote diversity and inclusion, leveraging corporate influence in the political sphere to further LGBTQ causes. And Capital One is among the businesses that appreciate the value of the queer community and invest in our success through a number of social impact initiatives.

Andy Navarrete is the Executive Vice President and Head of External Affairs at Capital One. In his role, Andy manages the company’s Corporate Affairs function, including media and public relations, community banking and finance, community development and relations, Corporate Social Responsibility (CSR) and corporate philanthropy. Capital One is committed to supporting the LGBTQ community, earning a 100% rating on the Human Rights Campaign’s Corporate Equality Index for the sixteenth consecutive year.

On this episode of Queer Money, Andy joins us to share Capital One’s social impact journey, explaining what inspired the company’s commitment to make credit a lot more democratic. He discusses the business value in hiring ambassadors who reflect the communities they serve, partnering with nonprofits like The Ali Forney Center, and going all-in to celebrate Pride. Listen in for Andy’s insight around Capital One’s commitment to corporate social responsibility and learn how the bank is working to serve the LGBTQ community.

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My Story of Visualizing, Believing & Achieving the Life of My Dreams with Bernardo Puccio - Queer Money Ep. 175 Oct 08, 2019

“It’s not that I’m better than anyone, but no one’s better than me.”

Growing up as the son of Italian immigrants in the Deep South during the Civil Rights movement wasn’t easy. And being gay didn’t make it any easier. But rather than taking on limiting beliefs, Bernardo Puccio eliminated the word CAN’T from his vocabulary and started visualizing the life he wanted.

Bernardo became a world-renowned interior designer with a distinguished career spanning 50-plus years. After growing up in the segregated South where being gay was dangerous, he moved to California to pursue a glamorous life inhabited by the Hollywood elite. Bernardo was designer to (and friends with) stars like Lana Turner, Elizabeth Taylor and Telly Savalas. He and his partner of 32 years, Orin Kennedy, are the subject of the award-winning documentary, An Ordinary Couple, and Bernardo recently completed the memoir of his extraordinary life, 13 Pieces of Unmatched Luggage and My Poodle.

On this episode of Queer Money, Bernardo joins us to share his experience growing up gay in Alabama in the 1950’s. He walks us through his path to becoming an interior designer and describes how visualization helped him create the career and life he wanted—in Beverly Hills. Listen in for Bernardo’s insight around what propelled him to the top of his field and get inspired to believe that you, too, CAN live the life of your dreams!

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I Quit My Job TWICE & It Was Worth It! - Queer Money Ep. 174 Oct 01, 2019

“If you don’t like where you are, MOVE. You are not a tree.”

--Jim Rohn

Too many of us get stuck in jobs where we feel comfortable. We’re afraid to walk away from the security of a regular paycheck and try something new. But if you’re not happy or your current situation isn’t getting you closer to your long-term goals, it’s time to take action. I’ve quit my job TWICE, so I speak from experience when I tell you that it’s totally worth it.

On this episode of Queer Money, I’m sharing what inspired me to quit a good job at Charles Schwab and how my situation improved when I took on a new role at Great West Financial. I discuss the fears I had to overcome in making the transition, describing just how nervous I was to walk away from decent money and a position I liked.

I go on to explain why I quit my job at Great West to become a full-time entrepreneur, addressing the uncertainty John and I faced and what we did to prepare. Listen in to understand how my life has changed for the better since I quit my job (twice!) and learn how to overcome your fears and take steps to OWN your tomorrow!

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The Habits of Highly Successful LGBTQ People—with Martin Eiden - Queer Money Ep. 173 Sep 24, 2019

What does it take to be successful? One way to figure it out is to talk to successful people (LGBTQ and otherwise), find out what they do—and then do THAT.

Martin Eiden is a top producer in the New York real estate space, selling nearly $1B in property to date. In 2017 alone, he sold a property every 10 days for a total of $55M in sales! With 20 years in the business, Martin is known for his attention to detail, candidness with clients and focus on excellence. He began his professional career in architectural engineering, designing skyscrapers, airports, hospitals and laboratories in the US and abroad before transitioning to real estate.

On this episode of Queer Money, Martin joins us to discuss the driving force behind his success, explaining his philosophy that if you do what you love, the money will follow. He walks us through his morning routine and describes how the process makes him a leader in his field. Listen in for Martin’s insight around the value in hiring a coach and learn how his success gives him the time freedom to travel and spend quality time with his husband and son!

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Taking the Boring Out of Banking—with Jennifer Windbeck - Queer Money Ep. 172 Sep 17, 2019

How do you feel about going to the bank? Does it sound boring? Or maybe a little intimidating? Who do you expect to talk to there? Somebody in a suit who doesn’t really get you? What if the banking experience was more fun and less stressful? What if you could talk to someone like you—and get the help you need?

Jennifer Windbeck is the Managing Vice President of Capital One Cafés and Branches, In-Store Experience, Operations and Network Management with Capital One. In her role, Jennifer leads the growing network of cafés across the US, and she is responsible for associate and customer experience and localized brand-building activities. Capital One is committed to supporting the queer community, earning a perfect score on the Human Rights Campaign’s Corporate Equality Index. The bank was also designated as one of best places to work in terms of LGBT equality for the sixteenth consecutive year!

On this episode of Queer Money, Jennifer joins us to explain what Capital One means by Banking Reimagined and discuss how the company is tapping into emerging retail trends through their café experience. She describes the bank’s just-in-time money coaching, sharing Capital One’s focus on personal connection and adapting to what people really need. Listen in for Jennifer’s insight around Capital One’s efforts to hire a diverse group of ambassadors and learn how the bank is engaging with trusted organizations in the communities it serves.

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How I Overcame Shame and Have Paid Off Debt - Queer Money Ep. 171 Sep 10, 2019

On this episode of Queer Money, we have another member of the Credit Card Pay Off Course.

If you had to pick one adjective to describe how you feel about your credit card debt, what would it be? Most people choose the word shame. Jeanette was in a very dark place just six months ago, feeling like a failure when it came to money. Today, her outlook has shifted completely, and she is confident that she CAN and WILL succeed in paying off her debt—with the support of the Credit Card Pay Off Course.

On this episode of Queer Money, Jeanette joins us to share her story of acquiring $60K in debt, explaining how taking out a personal loan to pay off credit cards did not improve her financial situation. She describes the scarcity mindset that contributed to her money issues and walks us through the medical event and the peer pressure to spend on her sister’s wedding that put her on the wrong path.

Jeanette also discusses her experience with the Credit Card Pay Off Course so far, offering insight into how she has gone from feeling irresponsible and overwhelmed to confident and hopeful. Listen in for Jeanette’s take on paying off debt the ‘hard way’ and learn how support and accountability have been crucial to her success!

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Effective Ways to Fight Spending Triggers - Queer Money Ep. 170 Sep 03, 2019

On this episode of Queer Money, we are tackling a topic that keeps coming up in our Queer Money Facebook group and from the emails we receive from our followers.

There’s an episode of Friends where they all go out to dinner to celebrate Monica’s promotion, and when the bill arrives, Ross splits it six ways. If you’re Phoebe, who ordered the cup of soup, or Rachel, who got a side salad, that’s a pretty frustrating situation. Do you risk the embarrassment and say something? Or give in to the peer pressure to spend?

On this episode of Queer Money, we’re sharing our five top tips for overcoming the peer pressure to spend in social situations. We cover the value of using cash instead of cards, discussing how access leads to overspending, and offer advice on going out with an entrance and exit strategy.

We go on to explain why it’s helpful to share your financial goals with your friends to gain their support—and maybe even inspire them to work toward their own hopes and dreams! Listen in for insight on avoiding the temptation to participate in rounds of drinks and learn how an accountability partner can help you overcome the peer pressure to spend.

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7 Thinking Errors That Sabotage Success - Queer Money Ep. 169 Aug 27, 2019

On this week's Queer Money we are discussing how our thinking can impact our financial future and how it has helped or hindered our current situation. We discuss some of the thinking errors highlighted in our eBook - The 7 Thinking Errors that Prevent Financial Freedom.

“Your beliefs become your thoughts, your thoughts become your words,

your words become your actions, your actions become your habits,

your habits become your values, your values become your destiny.”

--Gandhi

Not happy with your current financial situation? It may be the result of one or more thinking errors, the self-defeating beliefs that influence our thoughts and actions in a negative way. So, what are some of the errors in thinking that keep us from achieving our money goals? And how can we change our belief system to get different results?

On today’s episode, we’re discussing the most common thinking errors (as identified by our Queer Money Facebook Group) that prevent our financial success. We explain where our thinking errors come from and how belief systems influence our results. We weigh in on the thinking error around not being responsible for our own financial situation, describing the inclination to blame others and believe there’s nothing we can do to change things.

We go on to cover the belief that we can wing it with our money, challenging the LGBTQ community to become conscious of how we’re spending and develop a plan for financial success. Listen in for insight on the false belief that more money will solve our problems and get our top tips for identifying and overcoming the thinking errors that hold us back!

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Why Being Out at Work Matters - Queer Money Ep. 168 Aug 20, 2019

On this Queer Money, we discuss a topic that often brings up angst for many in the LGBTQ community; should I be out at work?

An estimated 50% of LGBTQ individuals in the US are not out at work. Why does visibility matter? What can companies do to encourage self-identification? And how can businesses use this information to support queer employees and advocate for equality in the places where they operate?

Todd Sears is a former investment banker and financial advisor turned entrepreneur for equality. He led pioneering LGBT+ inclusion initiatives at Merrill Lynch and Credit Suisse before founding Out Leadership in 2011. Todd originated the idea of a Return on Equality, and his global leadership initiatives seek to engage senior leaders around LGBT+ opportunities, develop talent, and impact business results.

Today, Todd joins us to discuss the recently published LGBT+ Self-ID Study, explaining what prompted Out Leadership to conduct this research and how companies can use the information. He weighs in on what companies need to do to promote LGBT+ self-identification and offers insight around the pros and cons of coming out at work. Listen in to understand what Out Leadership hopes to accomplish through the LGBT+ Self-ID Study and learn how visibility among the queer community improves the corporate culture for other minority groups!

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Our Debt Free Journey, So Far - Queer Money Ep. 167 Aug 13, 2019

On this episode of Queer Money, we are continuing our series of highlighting stories of others who are on the path to becoming debt-free.

Ready to get out of debt once and for all? If so, you’d better be ready to take a deep dive into what got you there in the first place. As Nathan, a student in our Credit Card Pay Off Course will tell you, the first step in fixing your financial situation is developing an awareness of how and why you spend the way you do.

On this episode of Queer Money, Nathan joins us to explain how his financial situation changed when his partner joined the military—but their spending didn’t. He describes how covering the bill for friends at restaurants and bars compounded his debt and explores how being a gay man influenced his spending.

Nathan also shares how moving to Japan inspired him to fix his finances and why it’s crucial to understand the psychology of your spending. Listen in to find out how Nathan has paid down $10K so far and is on track to save $3,800 in interest payments by the end of the year with our Credit Card Pay Off Course!

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What the Difference Between a 401(k) and a 403(b)? - Queer Money Ep. 166 Aug 06, 2019

Queer Money listeners and Facebook group members have told us several times that their #2 financial concern is saving for retirement. So this week on Queer Money, we are tackling a major question.

Are you throwing away free money? If you’re not taking advantage of the option to invest in a 401(k) or 403(b) at work, that’s EXACTLY what you’re doing. So, how do these employer-sponsored retirement accounts work? How much free money will the organization you work for contribute? And how can participating put you on the road to financial security?

On today’s episode of Queer Money, we’re sharing the ins and outs of the most common employer-sponsored retirement accounts, the 401(k) and 403(b). We explain how employees make contributions to these accounts via a payroll deduction and what types of investments fund administrators put that money toward.

We go on to discuss the similarities between 401(k)s and 403(b)s, weighing in on their like contribution limits, withdrawal fees, and tax-free rollovers. Listen in for insight around what distinguishes the 401(k) from the 403(b) in terms of investment options and learn how participating in your employer-sponsored retirement account can help you achieve financial security!

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5 Important Steps to Start a Queer Podcast - Queer Money Ep. 165 Jul 30, 2019

On this week's Queer Money we are joined by Thomas Tucker, another LGBTQ podcaster to discuss his journey as a podcaster.

Are you tired of the ‘people suck’ narrative that seems to rule traditional media? Wish someone was telling the stories of cool people doing amazing things? Even better, what if someone was amplifying the diverse voices within the LGBTQ community, the kind voices we don’t usually get to hear?

Thomas Tucker is the creator and host of the Uncensored Visionary, a podcast highlighting badass people in the queer community to explore what makes us so incredible and diverse. Beyond the podcast, he works full-time in finance, chairs a nonprofit group of young professionals, and does marketing for R&B singers that deserve to be heard. Today, Thomas joins us to define what it means to be an uncensored visionary and explain what inspired him to start the podcast.

Thomas shares some of his favorite podcast guests, describing why he’s inspired by people who lift others up while growing their own talent. He also walks us through the steps he took to get started and offers insight around the effort he devotes to the show each week. Listen in to understand what Thomas has learned from being a podcaster and find out about Thomas’ long-term vision for the Uncensored Visionary!

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3 Big Surprises from the Queer Money Tour - Queer Money Ep. 164 Jul 23, 2019

Beginning in May 2019, John and I set out on the very first Queer Money Live tour. On this episode of Queer Money, we talk about what we learned on that tour by talking with LGBTQ people from 7 different cities across the North East.

We need to start talking about money. To build a strong queer community with the financial resources to live our best lives and continue to push for equality, we’ve simply got to share what we know. So, how do we start the conversation and catch up with other communities?

On today’s episode of Queer Money, we’re sharing the 3 themes that emerged from the first leg of the Queer Money Live Tour. We discuss the recurring idea around spending to make up for the past, explaining how we develop attachments to things to mask our pain and why we spend to prove we’re lovable.

We go on to explore why the LGBTQ community seems to have accepted debt as a way of life, challenging you to look at whether you truly have an income problem or a spending problem. Listen in for insight into how sharing what you know helps our community make better financial decisions and get inspired to take on the Credit Card Interest Rate Reality Check!

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3 Steps to Creating a Ginormous AirB&B Empire - Queer Money Ep. 163 Jul 16, 2019

On this week's Queer Money we're talking about making more money! We often talk about how to cut expenses, but we also have to look at increasing income so we can thrive financially.

The beauty of the sharing economy is that you can earn money from things you already own. Got a spare bedroom? A couch? A tent in the backyard? You might be surprised how much you can earn by listing your space on Airbnb, Mrb&b, or any other short-term rental site. You might even choose to expand this model and build a business around the vacation rental model.

Zeona McIntyre is an Airbnb host, real estate investor and short-term rental consultant. In addition to her own six properties, Zeona manages another 20 listings and teaches aspiring STR hosts how to create their own automated businesses. She reached her financial independence number at the age of 28, and now Zeona has the freedom to travel the world and manage her vacation rentals from her phone or laptop.

Today, Zeona joins us to explain how she built a business around short-term rentals and what steps she took to achieve financial independence. Zeona shares the three ways to get started on Airbnb with little or no startup costs, discussing who’s the right fit for this business model and how much you can earn as a property manager. Listen in for Zeona’s simple, three-step process for becoming an Airbnb host and learn how to use the STR model to get out of debt and achieve financial freedom!

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The Newest Way to Invest In Your Future - Queer Money Ep. 162 Jul 09, 2019

On this week's Queer Money we continue looking at the success stories coming out of the Credit Card Pay Off Course, which opens back up Sunday, September 8th, for 5 days only!

Karen and Dave were struggling. Unplanned expenses forced the couple to max out several credit cards, and they weren’t sure how to fix it on their own. That’s when they came across our Credit Card Pay Off Course and made the decision to invest in their future.

On this episode of Queer Money, Karen and Dave join us to share their experience with the Credit Card Pay Off Course, explaining how family obligations, unexpected healthcare expenses and unconscious spending led to their serious credit card debt. They explain how they learned about the course and what makes it different from other programs in terms of flexibility and the detailed spending analysis.

Karen and Dave also discuss the progress they’ve made so far, describing how they’ve adjusted their spending habits to pay off several cards and significantly decrease their monthly interest payments. Listen in as Karen and Dave share their plan to buy a travel trailer once they’ve built up savings and learn how your hopes and dreams can inspire YOU to pay off credit card debt and live the life you want!

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3 Critical Keys to Living Your Best Life - Queer Money Ep. 161 Jul 02, 2019

On this week's Queer Money we are honored to host the 9 times New York best selling author David Bach.

“If you don’t know where you’re going, you may not like where you end up.”

How do you make decisions about how to spend your money? Do you have a vision of what you want your life to look like that guides you? Do you spend with intention, based on your values? Or unconsciously, based on someone else’s idea of what’s important?

David Bach is one of the most popular financial authors of our time. He has written nine consecutive New York Times bestsellers, including Start Late, Finish Rich, The Automatic Millionaire, and his new release, The Latte Factor. David has been teaching people how to be smarter with their money since 1994, speaking internationally and making thousands of media appearances, with spots on The Today Show and The Oprah Winfrey Show, among many other outlets. He is also the founder of Finish Rich Media and co-founder of AE Wealth Management, a firm boasting $8B in assets under management.

David joins us to share the premise of his new book, The Latte Factor. He explains why having a vivid vision is crucial to changing your financial life, discussing how clear values make money decisions easier. David also addresses how to avoid getting sidetracked by values that aren’t your own and overcome the perception that you’re not worthy of more than a mediocre life.

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5 Ways to Benefit from Geoarbitrage - Queer Money Ep. 160 Jun 25, 2019

On this week's Queer Money we talk with Alison & Ali about living their best lives.

Do you ever dream of retiring early and traveling the world with your partner? You can make that dream a reality, but it does require careful planning.

Ali & Alison Walker are the creators of All Options Considered, a platform where they share their journey to financial independence and adventures in slow travel, most recently making their way through Southeast Asia. Today, they join us to explain what inspired them to retire early and what steps they took to achieve the financial freedom that makes their current lifestyle possible.

Ali & Alison weigh in on the concept of geoarbitrage, discussing how they make decisions around where to travel based on the cost of living and LGBTQ discrimination. They also offer insight into how they are financing their travel, what strategies they use to stay on budget, and how they get routine medical care in other parts of the world. Listen in for Ali & Alison’s advice on how to adopt a similar lifestyle and learn how you can retire early and travel the globe with your partner!

Queer Money is made possible by the support of Capital One.

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5 Smart Tips When Buying a Home as a Couple - Queer Money Ep. 159 Jun 18, 2019

Get this week's QUeer Money freebie here: www.debtfreeguys.com/159

Purchasing a home is a big emotional and financial decision for couples, LGBTQ or otherwise. How do you know if you and your partner are ready? And what steps can you take to save tens of thousands (or maybe even hundreds of thousands!) of dollars over time?

On today’s episode of Queer Money, we’re sharing 5 tips for buying a home as a couple. We start by explaining how your credit scores impact the interest rate on your home loan and offering insight on how to improve your scores if necessary. We provide a list of questions to help you decide on your must-haves and set parameters to stay within your price range.

We go on to discuss the value in reviewing your budget, addressing how to factor in the additional expenses associated with homeownership. Listen in for advice on getting an estimate from a lender, handling legal matters up front, and saving for a down payment—to save A LOT of money in the long run!

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How One Man Started Becoming Debt Free - Queer Money Ep. 158 Jun 10, 2019

On this Queer Money, we're talking to Fred Norrell about his journey of discovery when it comes to credit card debt and paying it off.

According to a recent CNBC study, a full 75% of Americans admitted to winging it with their finances. Fred Norrell was among that 75% until he invested in our Credit Card Pay Off Course, and today, he is on the road to early retirement. So, how has the course helped Fred become more aware of his spending and develop a plan to achieve financial independence?

On this episode of Queer Money, Fred joins us to share his experience with the Credit Card Pay Off Course, explaining what inspired him to take action now and why he chose our program in particular. He describes his shock in completing the Spending Analysis and discusses how unconscious spending contributed to his significant credit card debt.

We address the myth that debt will go away as you earn more, and Fred walks us through the aspects of the course that have been most beneficial—from the weekly calls to the Dynamic Budget. Listen in as Fred shares his dream of spending time on the beach in Fort Lauderdale and learn how the Credit Card Pay Off Course can help you eliminate debt and live the life YOU want!

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5 Ways to Eliminate Financial Stress - Queer Money Ep. 157 Jun 04, 2019

This Queer Money is all about financial stress.

To help reduce your financial stress click here: www.debtfreeguys.com/157

Are you stressed about money? You’re not the only one. In fact, 60% of the LGBTQ respondents in a recent study admitted to worrying about their finances on a weekly basis. So, what can you do to eliminate financial stress and live a happier life?

On today’s episode of Queer Money, we’re sharing 5 tips for eliminating the anxiety associated with money. We start by encouraging the LGBTQ community to take advantage of basic financial tools and sharing our simple strategy to build an emergency savings account—$5 at a time.

We also offer insight on having the courage to say NO, giving examples of how we’ve turned down invitations for big trips and expensive events. Listen in for creative ideas on increasing your income streams and learn how setting up a budget can eliminate financial stress!

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Surprising Stats about LGBTQ Financial Wellness in America - Queer Money Ep. 156 May 28, 2019

On this week's Queer Money show we invite Josh Stoffregen, the VP of Global Communications & Workplace Solutions at Prudential Financial to join us to discuss the state of financial wellness for the LGBTQ community in America.

He joined the team in 2009 and served as the project lead for the firm’s 2012 LGBT Financial Experience Survey. Josh was also the President of Prudential’s enterprise-wide LGBT organization from 2010 to 2014. Today, he joins us to share the findings of the company’s latest research, the 2018 Financial Wellness Census and its sub-study of diverse populations, The Cut.

Josh walks us through the numbers, discussing the areas where the queer community has progressed in the last ten years as well as our remaining challenges when it comes to financial wellness. He reflects on what’s preventing the general population of the US—and the LGBTQ community specifically—from achieving financial security. Josh also offers insight into Prudential’s approach to recognizing the queer community year-round and covers some of the company’s upcoming LGBTQ events and partnerships. Listen in to understand Prudential’s latest data around the state of LGBTQ financial wellness and learn how financial stability improves other aspects of your life, including your overall mental and physical health!

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13 Commonly Asked Questions about PrEP - Queer Money Ep 155 May 21, 2019

Queer Money this week digs into some of the common questions that are asked about using and getting PrEP. If you’re nervous about contracting HIV, there is a new prevention strategy known as pre-exposure prophylaxis or PrEP. What does the drug do? Who should be taking PrEP? Does it have any side effects? How much does it cost? Megan Canon is the Biomedical Intervention Coordinator with the Colorado Department of Public Health and Environment and the director of the state’s Proud to be PrEPPED Campaign. Prior to CDPHE, Megan served as the PrEP Program Coordinator for the Houston Health Department and the Please PrEP Me Project Consultant for HIVE. A dedicated public health leader, Megan is committed to helping educate communities to make informed decisions about their health needs. Today, Megan joins us to discuss the fundamentals of pre-exposure prophylaxis, explaining who makes a good candidate for the HIV-prevention drug, TRUVADA, and how long it takes to start working. She addresses the issue of finding a PrEP-friendly provider and leveraging health insurance and financial assistance programs to access the medication. Listen in as Megan answers your questions about taking PrEP to prevent HIV and learn whether or not PrEP is right for you!

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Confessions on Self-Worth & Spirituality - Queer Money Ep 154 May 14, 2019

On this episode of Queer Money, we get a bit personal and share some of our recent personal journey while we were house sitting in Columbia, PA. As a gay couple, this was a difficult and trying time for us in a small town that we felt uncomfortable being our true selves. We came into 2019 feeling #likeaboss. We were in talks with a bank to do a lucrative Queer Money Live tour and had the support of a number of corporate partners leading up to the launch of our Credit Card Pay Off Course. And then it all went south. Just a few weeks into 2019, the tour fell through and the course, which we had expected to cover our living expenses for the year, didn’t get us through the month of January. The depression that followed made it painfully clear that our self-worth and spiritual health were not as strong as we thought. Today on Queer Money, we’re pulling back the curtain on the challenges we’ve faced so far this year and explaining how house sitting in small-town Pennsylvania made us realize just how much self-development work we have left to do. We discuss what we recognized about our self-worth being attached to external factors and share some of the books that have supported our ongoing spiritual journey. We also offer insight into the new morning routine that has brought us together as a couple and facilitated our personal growth, reflecting on how far we’ve come in the last few months—despite our challenging financial situation. Listen in to understand that the voice in your head is NOT you and learn how to let go of the false belief systems that don’t serve you and be an LGBTQ force for good in the world!

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How to Scale Your Business with Jenn T Grace - Queer Money Ep. 153 May 07, 2019

On this Queer Money, we chat with Jenn T. Grace about her path to becoming and Queer Entrepreneur. Are you an LGBTQ entrepreneur looking to scale? Or a queer business leader driven to build your own thought leadership platform? Then sharing your story in a book may be the best way to position yourself as an authority and attract the opportunities you need to grow. But how, exactly, does the publishing process work? Known as the Professional Lesbian, Jenn T. Grace is a business strategist, keynote speaker and bestselling author specializing in the LGBTQ market. Jenn believes that social change happens first in the workplace, and her consulting work focuses on guiding corporate, small business and nonprofit clients in navigating LGBTQ issues. Committed to helping people share their stories of adversity, Jenn’s most recent venture is Publish Your Purpose, a firm working to discover and publish purpose-driven authors with a story to tell and a brand to build. Today, Jenn joins us to explain what inspired her to create Publish Your Purpose, discussing the services and support the company offers as well as the kinds of authors she serves. Jenn describes how being a published author can benefit a business owner and shares the story her own entrepreneurial journey. Listen in for Jenn’s insight around leveraging the resources provided by the NGLCC and learn why it’s crucial to have clarity of purpose as an aspiring LGBTQ entrepreneur!

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Is it Possible to Achieve Financial Independence in the LGBTQ Community - Queer Money Ep. 152 Apr 30, 2019

On this Queer Money we talk about Financial Independence and the first step we took to achieve it. What’s most important to you? Impressing other people with the latest Prada shoes? Or giving back to the LGBTQ community? Financial independence IS achievable for each and every one of us, but the first step is getting clear on your hopes and dreams so that you can spend money in an intentional way on the things that matter most. On today’s episode of Queer Money, we’re sharing our definition of financial independence and explaining how we established our personal priorities around retirement, travel and giving back—and budgeted accordingly. We also offer insight on why many in the queer community struggle with financial independence and explore the difference between being rich versus being wealthy. Listen in to understand how financial independence allows us to live life on our terms—and learn how to make choices based on your values that guide you to financial independence!

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7 Tips for an Affordable + Fabulous Gay Wedding - Queer Money Ep. 151 Apr 23, 2019

Queer Money this week is all about the gay wedding. We've invited Aimee Palifroni of Prisma Events to share with us 7 Tips for an Affordable + Fabulous Gay Wedding. First comes love, then comes marriage. Then comes the big, old bill for the expensive ceremony and reception! But it doesn’t have to be that way. LGBTQ couples can plan a beautiful experience that doesn’t require taking out a second mortgage. So, how do you plan gay wedding that is both fabulous AND affordable? Aimee Palifroni is the Owner and Lead Coordinator at Prisma Weddings & Events, a firm that offers innovative wedding and special event planning in Colorado and beyond. Aimee has nearly 20 years of experience in the hospitality industry, ranging from restaurants to event venues to hotels, and she is proud to specialize in LGBTQ weddings. Prisma’s work has been featured in Colorado Gay Weddings, and Aimee’s team was responsible for planning the Debt Free Guys’ unique wedding experience! Today, Aimee joins us to share her top 7 tips on designing a fabulous gay wedding that doesn’t go over budget. She explains how to save money by forgoing a bridal party, using digital invitations, or stocking the bar yourself. Aimee also offers insight around the possibility of hiring college students for services like live music, photography, videography, or hair and makeup. Listen in for Aimee’s advice on working with a wedding planner to create a cost-effective, experience-based wedding that celebrates you as a

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LGBTQ Financial Wellness - Queer Money Ep 150 Apr 16, 2019

On this Queer Money, we invite Amanda Clayman to discuss the results from the Prudential 2018 Financial Wellness Census and The Cut as it pertains to our 🏳️‍🌈 community. Amanda Clayman is a leader in the field of financial therapy. She serves as a money coach in private practice and financial wellness advocate for Prudential Financial. Amanda has much experience working with LGBTQ clients, having spent 10 years running the Financial Wellness Program for The Actors Fund. Amanda’s fiercely committed to helping people move beyond shame and frustration with money to find opportunities for personal growth on the journey to financial wellness. Amanda joins us to discuss the impetus behind Prudential’s 2018 Financial Wellness Census and explore the findings specific to LGBTQ respondents. She shares advice around what we can do in our everyday lives to achieve financial wellness, discussing the risks associated with remaining in the closet financially. Listen in for Amanda’s insight on the five components of a financially healthy LGBTQ relationship and learn how the queer community can prioritize financial wellbeing and get empowered both individually and collectively!

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Special Needs Financial Planning - Queer Money Ep 149 Apr 09, 2019

Get financially organized with the Debt Free Guys 13-Week Leap: https://debtfreeguys.com/financially-organized-leap/ Same-sex couples are far more likely to adopt or foster a child than their straight counterparts, and many of those children are dealing with physical and emotional disabilities. It is obvious that we need to plan for the unique challenges of caring for a special needs child from day to day, but few stop to design a plan for the long term. How can we ensure that our children will be taken care of when we can no longer do it ourselves? Where can we go for support in creating a financial plan that provides for us AND our adult children with special needs? Minoti Rajput is the founder and principal advisor at Secure Planning Strategies, a nationally-recognized independent wealth management firm that specializes in supporting women, business owners, retirees and special needs families. Minoti is a Certified Financial Planner and Chartered Special Needs Consultant (ChSNC) with 30-plus years of experience and an MBA in finance, and she is passionate about providing estate and financial planning solutions for families of children with special needs. Today, Minoti joins us to share the circumstances that inspired her to focus on special needs families and discuss the value of the ChSNC designation. She defines what it means to be special needs and gives us a high-level overview of the government benefits available to individuals with cognitive impairment, mental illness or acquired disability. Listen in for Minoti’s insight on developing a financial plan as a special needs family and hear her advice to LGBTQ couples adopting a special needs child.

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5 Ways to Change Your Money Vibrations - Queer Money Ep. 148 Apr 02, 2019

Do you keep making the same mistakes around money? Have you tried to follow a budget, but didn’t have the willpower to stick with it long term? If so, it may be time to start exploring the unconscious beliefs that are at the root of your behavior and send a different vibration out in the world! Abundance Coach Leisa Peterson is the creator of Wealth Clinic, a platform and practice dedicated to helping entrepreneurs discover prosperity and joy in all aspects of life. She leverages her 20-plus years of experience as a financial advisor along with mindfulness training to support clients in attracting greater wealth, freedom and peace of mind. Leisa is also the architect of the iPROSPER Method and the host of the Art of Abundance Podcast. Today, Leisa joins us to offer insight around what she calls see-through beliefs, explaining where they come from and how they impact our financial lives. She shares several techniques for uncovering your negative money stories and creating alignment between your unconscious and conscious beliefs. Leisa also explains the concept of vibration, discussing how a desire for lasting happiness inspired her decision to downsize and simply her life. Listen in as Leisa walks us through her 8-step iPROSPER Method and learn why focusing on the value you bring into the world is crucial in attracting abundance.

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5 Tips to Get Financially Organized - Queer Money Ep. 147 Mar 26, 2019

Get more info here: www.debtfreeguys.com/147 You know the satisfaction you feel when your desk or your closet is totally organized? When you know you’re taking good care of your belongings and you have easy access to everything you might need? What if you could feel that same kind of confidence about your finances? On today’s episode of Queer Money, we’re sharing five steps to help you get financially organized. We discuss the importance of an emergency savings account, offering insight on how to put money away gradually to plan for unforeseen circumstances. We also explain how to create what we call a Happiness Budget, a financial plan that focuses your spending on aspirational goals that contribute to lasting happiness. We go on to address how getting banked can help you achieve your financial goals and why it’s crucial to save for retirement. Listen in to understand the types of insurance you might employ to protect against financial loss and learn how to ensure a secure future by getting your money ducks in a row!

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Eaton Fine Arts: The One Man's Story of Building a Thriving Art Business - Queer Money Ep 146 Mar 19, 2019

This episode is brought to you by the Debt Free Guys Budget Buster Bundle, your guild to budgeting like a badass - get it here: https://debtfreeguys.com/budget-buster-bundle/ The world needs more LGBTQ entrepreneurs. But starting your own business is not easy. It takes inner strength and the desire to succeed. It means overcoming limiting beliefs and growing your enterprise one baby step at a time. But if you embrace your uniqueness, surround yourself with a supportive community, and put in the work, you CAN become a successful business leader—with the resources to give back! Terry Eaton is the President and Chief Curator at Eaton Fine Art, a full-service fine art consulting firm based in Austin, Texas. The Eaton Team serves as the premier innovative art resource for developers, brand leaders, interior designers and purchasing agents producing the art programs for hospitality and healthcare-related projects in the US and internationally. Terry’s prestigious portfolio includes The Cosmopolitan of Las Vegas, the St. Regis Princeville Resort in Kauai, and The Ritz Carlton, San Juan. Today, Terry joins us to discuss his role and responsibilities as a fine arts curator. He offers insight around what it takes to be a successful entrepreneur, describing the drive it takes to start a business and the value of surrounding yourself with supportive people. Terry also speaks to the evolution of Eaton Fine Art, sharing the challenges he faced as the firm grew from a spare room in his San Francisco apartment to a custom, feng shui building in Austin. Listen in for Terry’s advice on overcoming bullying and limiting beliefs to become a business leader with the means to affect change!

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How to Live Fabulously Frugal - Queer Money Ep. 145 Mar 12, 2019

Get the Budget Buster Bundle here: https://debtfreeguys.com/budget-buster-bundle/ You might be under the impression that the terms fabulous and frugal are mutually exclusive. But in truth, frugality is not about eliminating the fun from your life. It’s about spending money on the things that matter most to you—and finding ways to do MORE with LESS. David Rae is a Certified Financial Planner and Accredited Investment Fiduciary based in Los Angeles. He has been helping clients achieve financial security for the last 17 years, building a reputation as a specialist in serving the LGBT community. David writes a regular column for Forbes, and his work has appeared in The Huffington Post, Investopedia and The Advocate. He has also been interviewed on Nightline, the Today Show and NBC Nightly News, among many other media outlets. Today, David joins us to discuss how to live a champagne lifestyle—on a beer budget. He offers his take on what it means to live frugally, exploring why the queer community is sometimes tempted to overspend. David also offers advice on how often to treat yourself, how to balance money management with gift giving, and how to negotiate a raise as a member of the LGBT community. Listen in for insight on the distinction among the terms poor, cheap and frugal—and learn how to include your friends in your fabulous journey to financial security!

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5 Ways to Overcome the Peer Pressure to Spend -Queer Money Ep. 144 Mar 05, 2019

So, you’re at the bar and someone suggests a round of shots. You know that eventually, it will be your turn to buy, and you’d rather save the money for a trip you’re planning. But how do you say no to your friends? How do you overcome the peer pressure to spend? On today’s episode of Queer Money, we’re sharing five strategies to stand up to peer pressure and save money to pursue your hopes and dreams. We discuss the advantages of using cash as opposed to credit or debit cards and explain why it’s useful to have an entrance and exit strategy for enjoying a night out with friends. We go on to describe how Stephen Covey’s principle to begin with the end in mind applies in this situation, offering insight around how we prioritized our bigger goals in order to curb our margarita spending. Listen in to understand the value of an accountability partner and learn how to be up front with your friends about your money goals as you overcome the peer pressure to spend!

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11 Things LGBT Immigrants Need to Know about Money - Queer Money Ep. 143 Feb 26, 2019

There is a great deal of anti-immigrant sentiment in the US right now, even among some in the queer community. But the fact is, the LGBTQ and immigrant communities have a lot in common. And if you happen to be both LGBTQ AND an immigrant, deportation back to a country where homosexuality isn’t tolerated can be a death sentence. Having the financial resources to fight for your rights is crucial for any marginalized community, but how does an immigrant learn to navigate our complex financial systems? Adina is an immigration attorney and personal finance blogger at Immigrant Finance, a platform that makes it easier for immigrants to develop stability, build wealth and thrive in a new country. When Adina’s husband moved to the US in 2013, they struggled to find information on simple things like opening a bank account or signing up for a fist-time credit card, and they created Immigrant Finance to share their years of research with others. Adina has been named one of Forbes 30 Under 30, and she is both a Fulbright Scholar and the winner of an Equal Justice Works fellowship. Today, Adina joins us to discuss the commonalities between the immigrant and LGBTQ communities. She describes the experience of being an immigrant to the US, offering insight around their money mindset and the challenge of navigating our complex financial systems. Adina explains why many immigrants distrust banks and what couples with one immigrant partner can do to prepare financially. Listen in for insight on the repeal of DOMA and its impact on immigration and learn how the immigrant and LGBTQ communities can work together for equal rights!

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Why You Don't Need to Create a Budget - Queer Money Ep. 142 Feb 19, 2019

Get the bundle here: debtfreeguys.com/142 Is your money situation stressing you out? Maybe you’re living paycheck-to-paycheck, and you’re nervous that you couldn’t cover even a simple emergency. You know that following a budget is step one in improving your financial health, but you’re not sure where to start. Here’s the thing: You DON’T need to create a budget. That’s because we’ve done it for you! Today, we’re sharing the tools included in our plug-and-play Budget Buster Bundle. We discuss the current statistics around budgeting in the US and explain why it’s crucial to your financial wellbeing. We go on to describe the value in a dynamic budget that gives you the wiggle room to live a real life and allows for spending on the things that make you happy. Listen in for insight around automating your budget and find out if the Budget Buster Bundle is right for you! Get the bundle here: debtfreeguys.com/142

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Overcoming Transgender Money Issues - Queer Money Ep 141 Feb 12, 2019

While the fundamentals of money are the same for all of us, our experiences, risks and concerns are all unique. In that way, queer money is different from straight money. And within the LGBT community, the degree of struggle varies. Our experience as cis, white, gay men is different from that of a transgender individual who may find it challenging to open a bank account because they don’t look like the picture on their driver’s license. So, what can we learn from listening to their stories? Brynne Conroy is a personal finance writer who started covering money when she didn’t have any. As she discovered ways to save and earn more, Brynne shared them on her blog, Femme Frugality. In October of 2018, she published the Amazon bestseller The Feminist Financial Handbook: A Modern Woman’s Guide to a Wealthy Life. One of the women featured in Brynne’s book is Nicole Lynn Perry, a transgender veteran and rainbow community advocate based in Seattle. Today, Brynne and Nicole join us to discuss The Feminist Financial Handbook. Brynne explains what drew her to Nicole’s story and why she chose to include it in the book, and Nicole shares her background serving in the US Marine Corps before transitioning and eventually becoming an activist for the queer community in general and transgender service members specifically. Nicole also explains what life is like for a transgender person in the US, describing the challenges around changing your name and gender marker and the difference in quality of life based on location. Listen in for insight into the transgender experience and learn why you should always take the time to listen to someone else’s story!

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5 Unique Steps to Initiate the Money Conversation with Your Spouse - Queer Money ep. 140 Feb 05, 2019

5 Unique Steps to Initiate the Money Conversation with Your Spouse Initiating a conversation about money is never easy. You may even feel a certain amount of shame around your financial situation and talking about it can be incredibly uncomfortable. On the other hand, you know how important it is to be on the same money page with your partner. So, how do you broach the subject with a significant other who is resistant to discussing money? Today, we’re sharing five unique tactics for initiating the money conversation with your partner. We explain how to soften the money discussion by blaming us or bringing it up in a quiet public place. We go on to offer insight into the value of exposing your own vulnerability first and focusing on how to achieve your shared hopes and dreams. Finally, we cover the strategy of sharing your feelings and concerns with the intent to find a solution for yourself. Listen in to understand the many benefits of having an open, honest conversation about money with your partner—and learn how working on your finances together leads to more happiness AND better sex!

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Getting Life Insurance When You're HIV+ - Queer Money ep. 139 Jan 29, 2019

Life Insurance When HIV+ with Sau El of Simply Insurance Life insurance is incredibly important. Not only does the death benefit cover funeral costs, the payout can provide long-term financial security for your loved ones. But what if you are HIV+? How challenging is it to secure a life insurance policy if you have the human immunodeficiency virus? Sau El is the Co-founder and CEO of Simply Insurance, a platform providing a simple and fast way to purchase insurance online. Sau is a licensed life and health insurance agent with 10-plus years of experience in the insurance industry. In addition to being an ambitious entrepreneur, Sau is an insurance educator and field underwriter on a mission to get one million families insured. Today, Sau joins us to explain the fundamentals of underwriting as well as the benefits of securing a no-exam policy. He offers a brief history of the no-exam option and discusses the difference between a group and individual policy. Sau walks us through the life insurance options available to people who are HIV+, covering the ONLY company willing to underwrite those individuals, the additional requirements for someone who’s HIV+, and what factors may STILL prevent them from being approved. Listen in to understand the benefits of buying a policy as soon as possible and serving as both owner and insured—and learn where to go for resources and support in choosing the most affordable life insurance product for your situation!

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Moving to Barcelona with Justin McCarty | Queer Money ep. 138 Jan 22, 2019

At the end of our lives, we tend to regret the things we didn’t do, the opportunities missed, the risks we didn’t take. Yet in the day-to-day, the familiar holds us back. We stop ourselves from pursuing ‘crazy ideas’ and chase the cultural idea of what it means to be successful. But what if success is less about wealth or fame—and more about living the life you want? What if taking a leap could help you discover the real you? Don’t you owe it to yourself to give it a shot? Justin McCarty was living in Denver, working 60 to 70 hours a week at a job he’d had for 12 years. He made a lot of money, but he was constantly connected to his phone and had very little free time. On a trip to Barcelona, he felt an overwhelming sense of liberation and got curious about making his vacation a little more permanent. Today, he is living and working in Spain, teaching English and experiencing a level of joy he never dreamed possible. On this episode of Queer Money, Justin joins us to explain how he made the decision to move to Barcelona, sharing what his life was like in Denver and how his priorities shifted after experiencing Spanish culture. He shares the logistics of moving to a foreign country and his experience as an ex-pat living in Europe. Listen in for Justin’s insight on acclimating to a new culture and learn how he is achieving new levels of happiness and confidence in beautiful Barcelona!

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How to Make 2019 Your Debt Free Year | Queer Money ep. 137 Jan 15, 2019

How long have you wanted to be debt free? This is the year! The statistics are bleak: The average LGBTQ family has roughly $12K in credit card debt. We assume 17% more student loan debt than our straight peers—which translates to about $40K—and 79% of queer students have both credit card AND student loan debt prior to graduation. The financial burden of owing money also takes a toll on our mental and physical health, creating additional stress and diminishing our quality of life. So, it’s no wonder credit card debt is a leading concern of the LGBTQ community. Today on Queer Money, we’re addressing that concern with the Credit Card Pay Off Course available for a limited time through our website. We start by explaining how financial freedom serves as a way to RESIST, allowing us to spend money on education or organizations that support the queer community. We also share our objectives for the course, describing how removing the burden of debt can improve our outlook and allow us to work toward other financial goals. Finally, we walk through the main components of the Credit Card Pay Off Course, from instructional videos and reading material to easy-to-use checklists and tools to a custom Facebook support group. Listen in to understand how we used this system to pay off $51K of our own credit card debt in just 2½ years and learn how it has helped other couples and individuals prioritize financial self-care, save thousands of dollars, and lift the burden of credit card debt!

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Bad With Money — with Gaby Dunn - Queer Money ep. 136 Jan 08, 2019

Get full notes here: debtfreeguys.com/bad-with-money If someone approached you in a coffee shop and asked about your favorite sexual position, would you be willing to share? What if they wanted to know your bank balance? While most of us are open to the topic of sex, money is considered taboo. Talking about our financial situation is deemed ‘too personal,’ and most of us carry around a lot of embarrassment about our money situation. So, why are we more inclined to discuss sex than money? Why do so many of us continue to struggle with money despite all the advice that’s out there? And why do we feel so much shame around being ‘bad with money’? Gaby Dunn is the writer, actor and New York Times bestselling author behind the YouTube comedy channel Just Between Us, the novel, I Hate Everyone But You, and the nationally-recognized podcast Bad With Money, a finance show for ‘the rest of us.’ Gaby brings a queer, feminist point of view to the money conversation, and her new book, Bad With Money: The Imperfect Art of Getting Your Financial Sh*t Together, explores our inability to speak honestly about money and offers practical personal finance advice like how to choose an insurance plan, buy a car, or take out student loans. Today, Gaby joins us to share her experience with being internet famous, discussing the fans’ assumption that creators make a lot of money and the demonetization of LGBTQ content. She explains the impetus for her podcast and book, offering insight on why people are turned off by traditional financial advice and the stigma around talking about money. Gaby also describes the systemic issues faced by marginalized communities and outlines some of the unique financial challenges among the queer community. Listen in for Gaby’s thoughts on ‘unwiring the carpe diem mentality’ and learn where to go for LGBTQ-specific money advice!

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9 Money Moves to Rock 2019 - Queer Money ep. 135 Jan 01, 2019

Would you like to be debt free by 2020? If financial security is on your list of New Year’s resolutions, we’ve got nine simple moves that will help you WIN the money game in 2019. We start with the concept of a Dinero Detox, explaining how to clean out your ‘money system’ by eliminating discretionary spending for a weekend—or longer! We go on to discuss retirement savings, sharing resources to help you track and grow your nest egg. We also cover credit scores, describing how our free tools can help you lower interest rates and ultimately pay off your debt more quickly. Finally, we talk about reducing your food spend, sharing the templates and apps we use to shop more efficiently and save thousands of dollars every year. Listen in for insight on planning your social calendar in advance and learn how to find freebies and discounts so you can have a fabulous life—for less—in 2019! Topics Covered Tip #1—Perform a Dinero Detox • Eliminate discretionary spending for the weekend Tip #2—Crunch retirement numbers • Take advantage of Magic Money Calculator Tip #3—Sign up for Blooom’s free portfolio analysis • Reduce fees and increase your potential return Tip #4—Complete the Credit Score Checklist • Better score = lower interest Tip #5—Use the Credit Card Comparison Calculator • Compare interest rates, pay off debt faster Tip #6—Utilize a grocery list and menu • Save thousands on groceries, dining out Tip #7—Download the AnyList app • Grocery list updates in real time Tip #8—Plan your social calendar in advance • Good quality of life AND control budget Tip #9—Get discounts/freebies with the Entertainment Book • Ideas for things to do, don’t pay full price For links to all the tools in this episode click here: https://debtfreeguys.com/best-year-ever/

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The Financial Impact of LGBT Discrimination - Queer Money ep. 134 Dec 25, 2018

In the queer community, we still run the risk of losing a job or being denied services due to our sexual orientation or gender identity. In fact, there are 30 states where it is perfectly legal to discriminate against an individual because they identify as LGBTQ. And we know that such inequity impacts our quality of life. But have you ever stopped to consider how it might impact our financial health? Leslie Tayne is the founder and lead attorney at Tayne Law Group, a debt solutions law firm based in New York City. Leslie has 20 years of experience in the practice of consumer and business financial debt-related services, and her work has appeared in Inc. Magazine, Forbes and the Huffington Post, among many other media outlets. Tayne Law Group has been voted Bethpage Federal Credit Union’s best debt consolidation service four years in a row, and Leslie has twice been honored as one of Long Island Business News Top 50 Most Influential Women in Business. She is also the author of Life & Debt: A Fresh Approach to Achieving Financial Wellness. Today, Leslie joins us to offer her insight on LGBTQ discrimination and share what steps to take if you are being discriminated against. She discusses the impact of discrimination on our finances, explaining why a healthy savings account is crucial for the queer community. Listen in for Leslie’s top tips on managing debt and learn how short-term financial discipline can lead to long-term rewards!

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3 Simple Ways to Save Money at the Grocery Store - Queer Money Ep. 133 Dec 18, 2018

Sometimes it's the simple changes that we make that have the biggest impact on our lives. When those changes become habits that we put into our daily or weekly lives, the impact can be dramatic. If you're looking to save some money and get ahead financially, look at the things you do every day or every week and ask, where can I make a small change that will have a bit impact? We did this with our grocery shopping and it saved us tens of thousands of dollars a year. Listen to this episode to hear our simple three-step strategy that not only saved us money but helped us pay off our debt fast! Get the menu and grocery list templates here: https://debtfreeguys.com/grocery-and-menu-templates/

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Financial Concerns & Retirement Readiness in the LGBTQ Community - Queer Money ep. 132 Dec 11, 2018

What is the financial state of LGBTQ families? Are we as Queer people ready to retire? We invite Lisa Campbell and Stephen Brokaski of MassMutual on the show this week to share the data from two ground breaking studies that look at the state of LGBTQ families and the preparedness of LGBTQ retirees and pre-retirees. The data was pretty surprising, especially for a community that is often perceived by the media and masses as being fabulous and financially set. What we uncover in this podcast should give every Queer person pause when it comes to how and where we spend our money.

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9 Awesome Gay Travel Apps - Queer Money Ep. 131 Dec 04, 2018

It doesn't matter if you're gay, lesbian, bisexual, transgender or queer, it seems like the travel bug and wunderlust seems to hit us all. Did you know that the LGBTQ community spends upwards of 10% of our income, no not disposable, all income, on travel. With that much being spent, there has to be a way to curb your travel costs. We've come up with a list of 9 gay travel apps and sites that will help you travel cheaper, safer and better. Check out the list.

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LGBTQ Family Adoption Options - Queer Money Ep. 130 Nov 27, 2018

November is National Adoption Awareness Month. The LGBTQ community is more likely than the general population to be adoptive parents. The costs associated with adoption can range from foster care adoptions with many of the costs being covered by the local foster care system, to infant adoption with a birth mother, which can be much more. How can you prepare? We've invited Adrienne Elliott of Adoption Options to help explain the process and options for prospective LGBTQ parents.

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Becoming a Parent Through Foster Care Adoption - Queer Money Ep. 129 Nov 20, 2018

There are currently over 100,000 children in the foster care system in the United States. These are children waiting to find a forever home with a mom a dad or maybe two of each. Have you ever considered foster care as the path to creating your family? On this week's Queer Money we kick off a two-week celebration of National Adoption Month. We've invited Jillian Johnsrud of MontanaMoneyAdventures.com to join us. She and her husband have adopted four children, the first when she was just 22. Here her story along with detail on how you can help the hundreds of thousands of children waiting for a parent to take them home. Get the full show notes here: https://debtfreeguys.com/lgbt-foster-parents/ ‎

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How to Throw a Fab $99 Christmas Cocktail Party - Queer Money Ep. 128 Nov 13, 2018

Love a good holiday cocktail party? I thought so. We've thrown our fair share of parties over the years, some great, some not so great. We've learned that you don't need to spend a ton of money to have a great party. If you're planning a holiday party this year and want to stay within your budget we've got some great suggestions for you. In fact we've got 7 tips that will help you keep your budget under $100. We've also included a grocery list and menu, along with a couple of signature cocktail recipes. Get them here: www.debtfreeguys.com/128

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Your Credit Score Questions Explained - Queer Money Ep. 127 Nov 06, 2018

This week on Queer Money, we focus on explaining the questions you've asked us about credit scores. When asked, you, our listeners and readers, told us that improving your credit score was your #3 financial goal, behind eliminating credit card debt and saving for retirement. We dive into questions like: 1. What’s the easiest way to find my credit score? 2. Why is my credit score different depending on where and when I get it? 3. How many points do hard inquiries take off my credit score? 4. Couldn’t I apply for more credit, thereby increasing my available credit, to lower my credit utilization? 5. What’s the best, most efficient way to improve my credit score? Queer Money is made possible by the support of MassMutual. Thank you for supporting this podcast. To learn more about MassMutual's work in the LGBTQ community, click here: www.debtfreeguys.com/go/massmutual

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What is My Business Worth? Why Business Valuation is Important - Queer Money Ep. 126 Oct 30, 2018

If you are a small business owner, the value of your business is something that can make or break your ability to stay in business, especially when it comes to getting loans. Your business valuation number will help with legacy planning and even how and who should manage your business when you're ready to take a back seat. On this episode of Queer Money we invite Tracy Shaw, AVP of Business and Market Development at MassMutual Financial Group, to talk with us about how MassMutual is helping small business owners determine their business valuation, the tools they use and offer as well as how their advisors include this important number in overall financial planning for their clients. Queer Money is made possible by the support of MassMutual. Check out how MassMutual supports the LGBTQ community at www.debtfreeguys.com/go/MassMutual

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Navigating Gay Divorce - Queer Money Ep. 125 Oct 23, 2018

June 26, 2015, brought gay marriage to the land. June 27, 2015, brought gay divorce. Sadly LGBTQ unions are not impervious to irreconcilable differences. So what is a queer person to do to protect their finances if divorce seems to be looming on the horizon? How can we prevent it from being a colossal financial nightmare? We're joined by Kayla Sloan and Shanah Bell of CashWiseExwives.com to share their respective stories of divorce and how they are now equipping both women and men to be financially prepared for the undo of the "I do." Queer Money is made possible by the support of MassMutual. If you enjoy this podcast please thank MassMutual.

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2019 Affordable Care Act Update with Policygenius - Queer Money Ep 124 Oct 16, 2018

One of the biggest financial concerns of the LGBTQ community is healthcare. Many queer people worry about changes to the Affordable Care Act under the current administration. There is a lot of noise surrounding the Affordable Care Act, and that makes it difficult to distinguish what is true from partisan rhetoric. A recent Policygenius survey regarding the ACA reveals that literacy around the law—and health insurance in general—is distressingly low. So, where can we go for accurate information as open enrollment approaches? Join us, along with Myles Ma from Policygenius as we discuss changes and what you can do to be better prepared. Queer Money™ is made possible by the support of MassMutual. Please join us in thanking them for their continued support of the LGBTQ community. To learn more about MassMutual visit https://debtfreeguys.com/go/massmutual/

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Queer Money Questions - Queer Money Ep 123 Oct 09, 2018

Queer Money™ this week is all about your questions. We've taken 3 questions from the Queer Money™ Facebook group and are sharing our thoughts with you on these 3 topics. They includ: How to choose a charity to give money to when I am finally done paying off my debt? How much do members of the group spend on dining out each week? How much should I be tipping when I am dining out or at a coffee shop? Queer Money™ is made possible by the support of MassMutual. Please join us in thanking them for their continued support of the LGBTQ community.

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6 Tips to Write the Best Annual Review EVER - Queer Money Ep 122 Oct 02, 2018

Many in the queer community, whether they be a transgender woman of color, a lesbian Latina, a bisexual Asian woman or a cis gay man, struggle with feelings of self-worth. All to often these feels of lack creep up in our lives and manifest themselves at the most in opportune time. Especially when we are writing our own annual reviews for work. If you want to write your best annual review ever, then check out this episode of Queer Money™, where we give 6 great tips as well as swipe copy that will allow you to write an amazing review and get a better bonus or merit increase, thus improving your chances at earning more. Queer Money™ is made possible by the support of MassMutual. Please join us in thanking them for their continued support of the LGBTQ community.

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Drag Queens, D&D, Building a Business with Matt Baume - Queer Money Ep 121 Sep 25, 2018

Matt Baume, a self-defined geek that is taking the queer community on a fun ride with his podcasts, videos, books and writing on publications both queer and accepting. Ready to get your queer gaming on? Love drag queens and D&D? He's got a fun mix. We also talk about his Sewers of Paris podcast and how he lassoed all of the things "he" loves and built them into a business that helps him live the life he wants. Which of course is the Debt Free Guys definition of a fabulous life. Join us in this fun romp with Matt Baume on Queer Money™ sponsored by MassMutual

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NGLCC Conference Recap - Queer Money Ep. 120 Sep 18, 2018

The Pink Dollar is estimated to be $971 billion dollars in buying power. The power of LGBTQ businesses is even more. There are an estimated 1.4 million LGBT owned businesses in the United States alone. The place where many of them come together to learn best practices and connect with Fortune 500 companies that have a mission to include them in their supply chain is at the NGLCC International Business and Leadership conference. This year's conference was a first for the Debt Free Guys and Queer Money. Listen to this week's episode to learn more from attendees, both small business and supportive companies why this conference makes a difference and why we need these types of connections in the LGBT community. This podcast episode is sponsored by MassMutual

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Quit Your Job and Travel She Said. Ok I Said. - Queer Money Ep. 119 Sep 11, 2018

Two queer women working in the non-profit sector dreaming of traveling the world. Could it happen? What about the money? How would they travel? What would the do for income? How long could it last? Heck yeah! They've been at it since February 2018, with no end in sight at the moment. Find out how Liz and Rachel, a lesbian couple who dreamed of traveling the U.S. as adventure travelers are doing it and their tips on how you can do it too! This podcast episode is sponsored by MassMutual

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Successfully Paying Off Debt for Good with Kerrie Roberts - Queer Money Ep. 118 Sep 04, 2018

Like many other gay men, Kerrie felt the need to live up to the expectations of his LGBTQ community. He also felt the need to match the lifestyle of the jobs he had. All of this, like your hosts, landed him in tens of thousands of debt. Fortunately for Kerrie, his story is one of success, although not before he had to go on national television and chat with Suze Orman. Which meant he couldn't hide his secret any more and was accountalbe to friends and family to pay it all off. Find out some of the keys to his success. What his life looks like now and why he is much happier today than he was with all the stuff needed to impress his gay friends.

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How to Retire Early with Real Estate - Queer Money Ep. 117 Aug 28, 2018

Want to retire early? Chad Carson joins us on Queer Money to talk about he was able to retire early and support his family with real estate investments. He also shares with us the 5 keys to making it happen. For full show notes, check it out here: https://debtfreeguys.com/early-retirement-real-estate/

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LGBT Networking with Outburo.com - Queer Money Ep. 116 Aug 21, 2018

Does the queer community need it's on LGBT networking platform? That's the question that Dennis Velco of Outburo.com asked when he started the LGBT Professionals group on LinkedIn. After a massive 45K+ LinkedIn users joined his group and began networking he launched the site OutBuro.com and changed the name of the group to OutBuro on LinkedIn. OutBuro's mission is to help LGBT professionals network and provide them with a place to not only connect but rate the companies they work for the business policies and the enforcement of those policies that are most important to the queer community. This podcast is sponsored by MassMutual.

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Landon Foster on Gays in Sports - Queer Money Ep. 115 Aug 14, 2018

What is it like for a gay man in college sports? Can LGBT players at both the college and pro level successfully be themselves or does the stigma of being queer still weigh heavily on players. Landon Foster, the former punter for the University of Kentucky, is on Queer Money to share his story, why he didn't come out when he was in college and what he hopes for other young players. This episode of Queer Money is being brought to you by MassMutual.

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5 Unique Ways To Save Money Dining Out - Queer Money Ep. 114 Aug 07, 2018

There's no doubt about it. The LGBTQ community spends a fair chunk on dining out. Yours truly are no exception. We used to spend $400/wk dining out and still spend hundreds per week on gourmet groceries. It was part of our path to $51k in credit card debt. If you're trying to pay off debt, save money for something special or load up your retirement accounts, then you'll love the 5 unique ways we've come up with to cut your dining out spend. Give them a try and let us know which work for you.

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How Social Security Offsets Could Ruin Your Retirement - Queer Money Ep. 113 Jul 31, 2018

On this Queer Money™ we uncover a topic that could impact hundreds of thousands of LGBT teachers and government workers across the U.S. Kimberly Shockley & David Freitag of MassMutual join us to discuss the two rarely discussed sections of the tax code that could literally ruin your retirement if you don't plan ahead. For complete detail head over to the show notes page: https://debtfreeguys.com/social-security-offsets

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Tax Breaks and Benefits for the LGBTQ Community - Queer Money Ep. 112 Jul 24, 2018

Gay taxes don't have to be difficult If you are a same-sex married spouse, the IRS may owe you money! A recent Credit Karma LGBTQ tax study found that 35% of same-sex married couples are unsure about their filing status. If you are among the 35% and you filed as single, head of household or married filing separately, you may not have received all the tax breaks and benefits you deserve. But the good news is, can file and amended return and get that cash back! Christina Taylor is the Senior Manager of Tax Operations for Credit Karma, the online platform working to make financial growth possible for everyone. Credit Karma is on a mission to give its 75M members free access to the tools, education and opportunities necessary for making real, meaningful progress in their financial lives. Christina joins us to share the findings of the Credit Karma LGBTQ tax study. She explains why tax law is so confusing for same-sex married couples and walks us through the five potential filing statuses. Christina discusses her top takeaways from the study, offering insight around filing jointly, claiming the adoption tax credit, and filing for a medical deduction. Listen in for Christina’s advice on filing an amended return and learn how Credit Karma can help you receive all of the tax breaks and benefits available to you! Get show notes here: https://debtfreeguys.com/gay-taxes/ ‎

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Lillian Karabaic: Another Queer Money Hero - Queer Money Ep. 111 Jul 17, 2018

Queer Money hosts Lillian Karabaic and finds out how she uses Ziggy Stardust as her personal finance muse. A little glitter makes everything better—and that includes personal finance! Ziggy Stardust and kitten videos may not be the first things that come to mind when you think about getting educated on money matters, but that’s because you haven’t met Lillian Karabaic. Lillian is a personal finance coach for millennials, teaching workshops and hosting the weekly podcast, Oh My Dollar! Despite working in the nonprofit realm and earning a modest income, she has traveled to 31 countries and remains debt-free. Lillian is passionate about helping artists and freelancers feel comfortable making money decisions, and she is the author of Get Your Money Together, a purr-sonal finance workbook to help you budget your money and save for retirement. Lillian joins us to explain how she stumbled into personal finance and why David Bowie is a part of her approach. She shares her personal secrets to avoiding student loan debt and saving money on minimum wage. Lillian offers advice on FAFSA access for homeless LGBTQ youth and addresses affordable healthcare as the #1 hurdle for the queer community. Listen in for insight around effective budgeting based on your values and learn to channel Ziggy Stardust as your personal finance muse!

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5 Smart Money Moves For Queer Teens - Queer Money Ep. 110 Jul 10, 2018

Queer, gay, lesbian, bisexual or trans, we've all got concerns about money, especially as teens growing up in non-supporting families or communities. We were both the same way. This week we provide some advice to queer teens from a highsight is 20/20 perspective. Advice we would have given our younger selves when we were struggling with coming out. If you are a queer teen or know someone who is then please share this episode with them and help them prepare for a better life, both financially and more.

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EQLT with John Roberts - Queer Money Ep. 109 Jul 03, 2018

Resources: https://debtfreeguys.com/workplace-equality-index/ When you think of an activist, what comes to mind? Marching in the streets? Are there other ways to promote LGBT rights, advocating for workplace equality and social change? John Roberts is the creator of the Workplace Equality Index, an equal-weighted index of companies that support LGBT equality in the workplace. He also serves as partner and portfolio manager with Denver Investments, where he has managed portfolios screened for LGBT-inclusive policies since 1998. John writes and speaks extensively on the benefits of workplace equality and activist investing, and he was named Entrepreneurial Man of the Year by the Colorado LGBTQ Chamber of Commerce. John joins us to explain how managing funds for the Kevin Mossier Foundation led to the creation of the Workplace Equality Index. He describes the process of identifying companies that support LGBT-inclusive policies as well as the progress we’ve made toward workplace equality. John addresses the crucial role of business in driving social change, discussing the impact of data in making the shareholder case for LGBT rights. Listen in for insight around identifying the companies that truly ‘walk the walk’ and investing in a portfolio that aligns with our values!

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Return on Equality with Todd Sears - Queer Money Ep. 108 Jun 26, 2018

Show notes: https://debtfreeguys.com/return-on-equality/ Todd Sears’ Return on Equality Out Leadership is on a mission to engage the world’s top corporations in implementing inclusive policies and advocating for LGBTQ leadership and equality. So, how can the LGBT community and our allies support those businesses that use their power for good, adopting diversity as a core business value? Todd Sears is a recovering investment banker turned LGBTQ equality entrepreneur. He established Out Leadership in 2011 with the intention of mobilizing LGBTQ leadership as a business voice and supporting organizations in tapping into the dividends of inclusion or Return on Equality. Todd created the first team of financial advisors on Wall Street to focus on the gay community and led pioneering equality initiatives for Merrill Lynch and Credit Suisse. He serves on the nonprofit boards of the Williams Institute, The Palette Fund, the Global Equality Fund and Lambda Legal. Today, Todd offers insight around the three pillars of Out Leadership—business, talent and equality. He discusses the slow progress when it comes to LGBTQ leadership at the CEO level of Fortune 500 companies and the shifting perception of being gay at work as an advantage. Todd walks us through Out Leadership’s global initiatives, sharing the details of OutNEXT, OutWOMEN and Quorum as well as their OL-iQ inclusion diagnostic tool. Listen in for Todd’s take on limiting beliefs among the LGBTQ community and learn how we can ensure that businesses demonstrating a true commitment to inclusion are rewarded on their bottom line with a Return on Equality.

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Mental Health and Money - Queer Money Ep. 107 Jun 19, 2018

Full show notes: https://debtfreeguys.com/mental-health-and-money/ Is there a connection between mental health and money? Do you worry about money? A recent survey of our community revealed that 82% of LGBTQ couples worry about money at least once a month, with 58% of respondents admitting to feeling anxious at least once a week! So, what exactly is getting us down? How is the stress impacting our mental health? And what can we do to improve the situation? Is there a solution to better mental health and money? Sam Schultz is the co-founder of Honeyfi, a budget app that helps couples manage their money together. The company recently completed a ‘Love and Money Survey’ with 300 couples in the LGBTQ community to identify their unique challenges and top goals. Sam returns to Queer Money to cover the struggles LGBTQ couples face when it comes to money, beginning with a lack of emergency savings and ongoing worry about money—despite earning more than the median household income. He offers insight around how social media culture plays into the LGBTQ community’s spending choices and why it’s important for us to share honest stories about our money challenges. Sam shares the study’s findings on the large percentage of couples that don’t use any financial tools or resources and the connection between couples with poor credit and mental health concerns. Listen in to understand the opportunities the LGBTQ community has to improve our collective relationship with money and learn how the Honeyfi app can help!

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NGLCC's Champion Jonathan Lovitz - Queer Money Ep. 106 Jun 12, 2018

Show Notes Here: https://debtfreeguys.com/nglcc/ We Are #LGBTBIZ Family with Jonathan Lovitz Being an entrepreneur is hard enough. You need a solid business plan as well as access to capital and connections with potential partners. A lot of things need to go right to make a new venture successful. Unfortunately, the LGBT-owned businesses who need the collective strength of the community most tend to live in places where there is little access to services. That’s where the National LGBT Chamber of Commerce (NGLCC) comes in, providing a network of support through the #LGBTBIZ family. Jonathan Lovitz serves as Senior Vice President of the NGLCC, an advocacy group aimed at expanding economic opportunities and advancing the LGBT business community. He is responsible for coordinating media and communications, strategic partnerships, and government policy work for the organization. Jonathan appears regularly on MSNBC, CNBC, NPR, The Advocate and Out Magazine, among others, and he was recently recognized by Business Equality Magazine as one of its 40 LGBTQ Leaders Under 40. Today, Jonathan explains the goals of the NGLCC, discussing the connection between social acceptance and economic growth. He speaks to the concept of a ‘return on equality,’ sharing the extraordinary economic impact of the LGBT community in the US and the benefit to corporations that adopt inclusive business practices. Jonathan describes the discriminatory policies that prevent LGBT-owned businesses from competing on a level playing field and offers insight around how the NGLCC can give smaller, queer-owned businesses access to training and opportunity. Listen in for information about the 2018 NGLCC International Business & Leadership Conference and learn the benefits of becoming an NGLCC-certified business!

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Why We Chose to Live Debt Free First - Queer Money Ep. 105 Jun 05, 2018

Full Show Notes Here: https://debtfreeguys.com/live-debt-free/ Live Debt Free was the Obvious Choice Why did we choose to live debt free over making more money? For some, this seems like the stupid mistake but listen to the podcast this week and find out why. Our First Choice More, more, more. Buy, buy, buy! It’s the American dream, right? It’s in all the pictures we see on Instagram, Facebook and Tumbler. Everyone wants that social medial picture-perfect life. The one that seems to breed envy. The one that makes the rest of us TGIF once a week for 50 weeks a year, while saying, “Ugh! I can’t take another Monday” 50 weeks more. To be honest, it was partly seeing and hearing our FB friends complain about the jobs they hate but felt chained to, each Monday morning that kept us motivated to follow through. You see we were both headed up the pay scale and up the corporate ranks when we had our fateful visit to Winter Park, Colorado. The one that locked us in the car for 90 minutes and forced us to have a heart to heart about our finances. The one that convinced us that living debt free was a better choice than just making more money. We share all of that and more in this week’s Queer Money™ episode.

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Building Money Confidence in the LGBTQ Community - Queer Money Ep. 104 May 29, 2018

🏳️‍🌈 Show notes: https://debtfreeguys.com/money-confidence/ 🏳️‍🌈 Does the LGBTQ community lack money confidence? Are you following all the traditional advice on money, but you still feel stuck? The missing piece may be money confidence, a mindset critical to financial success. So, how do you develop money confidence? What is the connection between financial confidence and your ability to earn? And how might a money confidence coach serve us in the LGBTQ community? Jen Hemphill is an Accredited Financial Counselor and host of the Her Money Matters podcast, a show dedicated to practical money insights. Jenn works with clients as a money confidence coach, helping them do the inner work necessary to spend more consciously and reclaim ownership of their financial lives. She is also the author of Her Money Matters: The Missing Truths from Traditional Money Advice. Today, Jen explains what sets her apart as a money confidence coach, sharing her holistic approach to supporting clients in their financial journey. She defines what it means to have money confidence and offers advice around spending with intention. Jen shares several simple strategies to gain money confidence, discussing how celebrating financial wins provide an instant boost. Listen in for Jen’s insight on determining your values when it comes to spending and learn how Her Money Matters can support you in building that all-important money confidence!

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A place for LGBTQ teen entrepreneurs - Queer Money Ep. 103 May 22, 2018

Complete show notes here: https://debtfreeguys.com/lgbtq-teen-entrepreneurs/ A place for LGBTQ teen entrepreneurs Forty-two percent of students, including LGBTQ student, in grades 5-12 plan to start their own businesses one day and 3% are entrepreneurs already. Is there a place for these LGBTQ teen entrepreneurs to connect and build community with other teenpreneurs? Where can aspiring LGBTQ teen entrepreneurs (and their parents) go for guidance? Meet Eva Baker, the Teenpreneur Conference founder Eva Baker is the founder and CEO of TeensGotCents, a personal finance website devoted to teenagers. The platform is designed to help teens and college students learn to budget their money, stay debt free, shop smart and find a great part-time job. The site has been recognized by The Plutus Awards as the Best Blog for Teens, College Students and Young Adults in 2014 and the Best Generational Finance Blog in 2016. Eva is also the host of the Teenpreneur Conference, a place where business-owning teens and aspiring young entrepreneurs can get together, learn practical skills and connect with brands. Today, Eva shares the inspiration behind both TeensGotSense and the Teenpreneur Conference. She covers what you will learn at Teenpreneur and how the community has grown since its inception in 2016. Eva speaks to her experience working with LGBTQ youth and the inclusive environment fostered at the conference.

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7 Day Debt Freedom Challenge - Queer Money Ep. 102 May 15, 2018

🤑 Get full show notes here: https://debtfreeguys.com/debt-freedom-challenge/

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Flourish with Facebook Ads - Queer Money Ep 101 May 08, 2018

📱 Get full show notes here: https://debtfreeguys.com/gay-facebook-ads/ Helping LGBTQ Entrepreneurs Flourish with Facebook Ads Facebook has been in the news for the wrong reasons lately. But even with the #DeleteFacebook movement, the platform still has more than two billion active users worldwide. And the same data that was used for evil in the Cambridge Analytica scandal can be used for good to help entrepreneurs find their ideal customers. In fact, for LGBTQ solopreneurs and small business owners, there is no more affordable way to drive targeted traffic to your website—or physical store. Monica Louie is an online business strategist and Facebook ads consultant who works with ambitious online entrepreneurs to help them grow site traffic, build an email list and increase profits! After she and her husband paid off $120K in debt in two years on a single middle-class income, Monica began blogging about their journey. To monetize the blog, she created a webinar and set out to market the training course with Facebook ads. Monica mastered the platform quickly, securing webinar subscribers for a cost-per-conversion of $1.26, then refining the strategy to bring the cost down to $1.01. Soon others were asking for Monica’s help with Facebook ads, and in 2016, she sold her blog and became a full-time Facebook ads coach. Today, Monica offers insight on the recent Facebook controversy, explaining what the platform is doing to prevent further abuses of the use of data. She covers the basics of Facebook ads, discussing how to target a particular community, budget for A/B testing, and design an effective ad. Monica walks us through her five-step process for getting started with Facebook ads and discusses how brick-and-mortar businesses can take advantage of the Store Visit and Offer options to drive foot traffic to their stores. Listen in for more information about Monica’s Flourish with Facebook Ads course and learn how her private Facebook group can help you leverage the algorithm to find your ideal customers and grow your business!

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How to Live a Great Social Life Without Breaking the Bank - Queer Money Ep. 100 May 01, 2018

Get the Fabulous Social Life Planner Here: https://debtfreeguys.com/100 Make your great gay life greater Living fabulously for gay men means having a great gay social life, but a fabulously gay life can mean a fantastically small bank account! Have a great gay life and a thick bank account with the Fabulous Social Life Planner.

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Tim Gill - Queer Money Ep.99 Apr 24, 2018

🏳️‍🌈 Full Show Notes Here: https://debtfreeguys.com/lgbtq-advocacy/ LGBTQ advocacy with Tim Gill As a member of the queer community, should you focus on business or LGBTQ advocacy? Should you first ‘make it’ in your career to have the means to give back later? Or, is it best to put your efforts into LGBTQ activism today? Tim Gill on career and LGBTQ advocacy Tim Gill is a software entrepreneur and philanthropist based in Denver. He created the Gill Foundation in 1994 to advance equality and support nonprofits that serve the lesbian, gay, bisexual and transgender community. Since its inception, the foundation has invested more than $335M in programs across the country. Tim is also the founder and former chair of Quark, Inc., a company that revolutionized desktop publishing with innovative page-layout software. Today, he works in the artificial intelligence space, co-founding the smart home technology startup JStar in 2015. Tim shares the story of Quark, discussing the challenges he faced in the early years—packing boxes and answering tech support calls from bed at 2 a.m.! He explains why he never had the sense that being gay held him back as an entrepreneur and how he developed the confidence to out himself in public. Tim speaks of Colorado’s Amendment 2 in 1992 as the impetus for his LGBTQ advocacy, offering insight around the Gill Foundation’s work to support anti-discrimination legislation and his approach to ‘smart philanthropy.’

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1 Secret to Better Gay Sex - Queer Money Ep. 98 Apr 17, 2018

🏳️‍🌈 Get the full show notes here: https://debtfreeguys.com/better-gay-sex/ Want better gay sex? ‘Talk dirty to me’ may take on a new meaning when you learn that discussing money with your partner leads to a stronger relationship, a better gay sex life (and lesbian, and transgender and straight sex) and greater happiness. How to have better gay sex? We partnered with Honeyfi for a recent survey that revealed that queer couples who track and discuss a shared budget were 81% more likely to report being extremely happy and 54% more likely to report having a great sex life! Want better sex? Talk about your money. How Honeyfi can help you have better gay sex Sam Schultz is the co-founder of Honeyfi, a budget app that helps couples manage their money together. Today, Sam shares the fundamentals of the Honeyfi app, explaining how it facilitates collaboration between partners. We discuss the key takeaways from our comprehensive LGBT and money study. Sam shares his take on the correlation between working together on financial goals and playing together in the bedroom. Download the Honefi app here: http://www.honeyfi.com/

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5 Tips to Living Fabulously - Queer Money Ep. 97 Apr 09, 2018

🦄 Get your FREE journal here: www.debtfreeguys.com/97 🦄 Living fabulously every day Are you tired of getting the same results day in and day out, year in and year out? Today, on Queer Money™, we’re sharing the five mental and spiritual exercises that we practice for living fabulously every single day. For help, click here to get your free Living Fabulously Daily Journal. 5 daily habits for living fabulously every day Meditate on living fabulously Every successful person Tim Ferriss knows meditates and journals John’s boss said, “Find out what successful people do, and do that.” Warm lemon water with ginger, cayenne and turmeric Meditate for eight to 20 minutes Meditating will change your life for two reasons It gives you space for calm, reducing stress and lowering cortisol Meditating challenges limiting beliefs Recite affirmations about living fabulously Recite aloud, emphatically and in first-person daily affirmations Affirmations create an audible imprint on our brains Recite personal and specific affirmations for five minutes each day List the daily goals that’ll help you with living fabulously List the most important things to do each day to start living fabulously The One Thing What is the one thing I can do such that by doing it everything else will be easier or unnecessary? Provides clarity, focus and efficiency Write down your daily gratitudes about living fabulously Journal what you’re grateful for every day Return to your gratitudes when your day presents challenges Journal five good things about each day about living fabulously Write down five things about that day that were good or great End your day on a positive note Lay the foundation for a good day tomorrow

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LGBTQ Student Loan Debt - Queer Money Ep. 96 Apr 03, 2018

LGBTQ student loan debt There’s a student loan debt crisis in our country. In fact, the $1.4 TRILLION in outstanding student loans has officials worried about significant economic consequences. Sadly, the LGBTQ student loan debt crisis is more severe. Miranda Marquit and her colleagues at Student Loan Hero were curious about the LGBTQ student loan debt crisis, so they conducted an exhaustive study and shared it with us on Queer Money™. Miranda Marquit, Student Loan Hero and the LGBTQ student loan debt crisis Miranda is a long-time freelance journalist in the financial space and senior writer for Student Loan Hero. Her work can be found on several finance websites, including US News, Yahoo!Finance and Huffington Post. Miranda blogs at Planting Money Seeds, and is the author of Confessions of a Professional Blogger. Today, Miranda shares several must-know points from the Student Loan Hero LGBTQ study about the LGBTQ student loan debt crisis, including why the queer community has more student loan debt — and regret than the general population. She offers her take on the recent political setbacks for the LGBTQ population and how data collected in the recent study might be used to make structural changes to the FAFSA requirements.

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Grindr and Gay Travel - Queer Money Ep. 95 Mar 26, 2018

🏳️‍🌈 ✈️ We’ve known that gay travel is in in the gay man’s DNA, but you might be surprised by Grindr’s recent study that revealed 40% of its LGBTQ users travel four times a year and 24% plan a vacation every month. 🏳️‍🌈 ✈️ A whole lotta gay travel pixx While those stats may be great for Instagram pictures, how does our spending ($100 billion dollars in total) affect our financial security? And how can we use our tourism dollars to promote inclusiveness around the globe? Meet Zach Stafford of Grindr Zach Stafford is the editor-in-chief of Grindr’s online magazine, INTO. He leads a newsroom of more than 200 contributing writers with the intention of talking about the world ‘through a queer lens.’ Prior to joining Grindr, Zach served as a reporter and columnist for The Guardian and Out Magazine. Zach shares the WHY behind the Grindr travel study and several key takeaways. He offers his take on why the LGBTQ community is drawn to travel and how queer tourism can help drive inclusiveness all over the world. Zach discusses the power of the pink dollar and safe gay travel in countries that lack legal protections.

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Even Unicorns Need Business Insurance - Queer Money Ep. 94 Mar 20, 2018

🦄 Show Notes Page: https://debtfreeguys.com/business-insurance/ 🦄 Business insurance for small business owners Even a blogger in their PJs has risk – it’s less risk than a landscaper, but an unhappy client or threat of copyright infringement are risks nonetheless. That’s why every entrepreneur needs business insurance. The new good news about business insurance Pogo Insurance is making it easy to secure business insurance coverage—and it’s a lot less messy than you think. Hannah and Jade Sullivan are the co-founders of Pogo, a commercial business insurance platform for small businesses that compares quotes from top business insurance companies to find customers the best price for the most appropriate coverage. With its simple online form, most entrepreneurs and freelancers can get insured in about an hour. Hannah and Jade met in the business program at the prestigious VCU Brandcenter Master’s program, and they’re driven to simplify the insurance process for the growing demographic of self-employed workers in the gig economy. Hannah and Jade explain why they chose the insurance industry and the challenge of innovating in a long-established space. They discuss what they have learned as entrepreneurs, how they have dealt with ‘emotional whiplash’ and the benefits of working together as a married couple.

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Winning Side Hustles with Nick Loper - Queer Money Ep. 93 Mar 13, 2018

Show notes page: https://debtfreeguys.com/earn-extra-money/ Conventional wisdom says that a steady paycheck is the safest to financial security. But, what if you have a low-paying W2 or you lose your W2? How can you earn extra money? Why LGBTQ people need to earn extra money It’s especially important for LGBTQ people to have a side hustle, a way to earn extra money as a safety net should something happen with your regular job, or denied housing or services because you're LGBTQ. Or, better yet, for the financial freedom to be able to walk away from that regular job should you choose. Nick Loper is the Chief Side Hustler at Side Hustle Nation, a growing community of entrepreneurs united by the common goal of financial freedom. Nick started his first side hustle to earn extra money in 2004, running an affiliate website that offered comparison shopping for shoes. He quit his corporate job with Ford Motor Company in 2008, and he has been exploring non-job income opportunities as a serial entrepreneur ever since, running eight to ten side hustles at Chief Side Hustler on how to earn extra money Today, Nick shares his definition of a side hustle, explaining the many benefits of pursuing additional income streams as well as his top strategies for coming up with ideas for your own side hustle. He offers his take on how to gain confidence as a freelancer, which side hustles are the most lucrative, and the best available tools and resources to get started.

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11 Reasons Why Pink Dollars Are So Damn Sexy - Queer Money Ep. 92 Mar 06, 2018

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

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Ep 91 - Should I File Bankruptcy on My Student Loans? Feb 28, 2018

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

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Ep. 90 - The Busy Budgeter with Rosemaire Groner Feb 20, 2018

Show notes and FREEBIES here: https://debtfreeguys.com/chaos-to-controlled-spending/ We buy hundreds of dollars’ worth of groceries with good intentions of cooking at home, and then we get busy and spend as much eating out. It is possible, though, to go from this chaos to controlled spending. The school of Groner will take you from your chaos to controlled spending We know what we could do to save money, but the overwhelm of life gets in the way. This disorganization and chaos lead to more and more spending—and it’s like we can never get ahead. Rosemarie Groner of the BusyBudgeter.com has been there. She and her husband both worked as state troopers, and their demanding schedules coupled with chronic disorganization led to overspending. They needed a life overhaul. Using a methodical approach, the pair addressed one thing at a time and eventually reduced their spending by $23,000 a year. Now Rosemarie shares her expertise on her blog, helping others design their own fabulous lives, spend money on the things they care about and eliminate wasteful spending. Hear how you can take your life from chaos to controlled spending Today, Rosemarie shares her journey from chaos to controlled spending, explaining how she and her husband drastically reduced their spending. She discusses her methodical approach to change, focusing her energy on one thing at a time. Rosemarie offers advice on reducing your grocery budget, A/B testing to substitute without sacrifice and leveraging modern conveniences like delivery for further savings!

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Ep. 89 - Heterosexual Privilege and Money Feb 13, 2018

Full show notes here: https://debtfreeguys.com/heterosexual-privilege/ Heterosexual Privilege & Money Does heterosexual privilege exist and does it impact your money? Our Queer Money guest this week thinks so and explains how she benefited, and ultimately how she and her husband embraced frugality and learned to appreciate the simplicity and beauty of less. This is easier said than done is our culture of consumerism, where we are constantly bombarded by the idea that having MORE will provide the fulfillment we crave. Liz and Nate Thames spent nearly ten years working good corporate jobs, making a lot of money—and spending it on fabulous clothes, fabulous evenings out, fabulous cars… Despite having the means to pursue this Rumspringa of spending, the Thames were still waiting for happiness to kick in. Four years ago, Liz and Nate decided to step out of the consumer loop and reimagine their lives. They adopted frugality and shifted their focus to spending only on the things that they valued most. By 2016, the couple had achieved financial independence, and they moved to a homestead in the woods of Vermont. Today, Liz shares the inspiration for her upcoming book, Meet the Frugalwoods. She explains the relationship between money and happiness and offers her take on the privilege, including heterosexual privilege, she benefits from. Liz discusses the tertiary benefits of her frugal lifestyle, sharing how it has strengthened her relationships and provided her with the clarity to focus on her highest and best purpose. Listen in and learn how to shift your priorities and start making conscious decisions about spending that allow you to appreciate the beauty of less and live your best life every day.

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Ep. 88 - Helping the LGBTQ Community Adopt Feb 06, 2018

❤️Get full show notes: https://debtfreeguys.com/help-us-adopt/ ❤️ Meet Becky Fawcett, founder of Help Us Adopt Becky Fawcett’s 12-year-old son jokes by asking, “How many babies did you have this year?” Becky answers, “I had a lot of babies this year,” to which he replies, “You look good.” Such is the life of the founder of Help Us Adopt. The Start of Help Us Adopt In 2017 alone, Becky and her organization, Help Us Adopt, gave grants that helped 38 families adopt 41 children. Founded in 2007, Help Us Adopt is the nation’s only non-discriminatory adoption grant program. The nonprofit helps individuals and couples—regardless of race, gender, ethnicity, marital status or sexual orientation—with the adoption cost by awarding grants up to $15,000. Help Us Adopt supports domestic, international and foster care adoptions, and the organization doesn’t charge an application fee. In ten years, Help Us Adopt has awarded 230 grants totaling more than $2,000,000. Hear Becky explain the process of applying for a Help Us Adopt grant, and how you can get involved through peer-to-peer fundraising and the Faces of Adoption initiative. Today, Becky tells her own adoption story, explaining how her inability to have children led she and her husband to adopt. She shares the impetus behind Help Us Adopt, discussing the financial commitment involved in adopting a child and the way traditional adoption grant programs define ‘family.’ Becky speaks to how Help Us Adopt serves the LGBT community as well as the legal routes to adoption for LGBT families.

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Ep 87 - The Debt Lasso Jan 30, 2018

Download our Credit Card Comparison Calculator here to see how the Debt Lasso will help you: https://debtfreeguys.lpages.co/credit-card-pay-off-calculator Wrangle your debt with the Debt Lasso You’ve heard of the Avalanche and the Snowball methods for paying off debt. But, you haven’t heard of the Debt Lasso to pay off credit card debt fast. Why we made the Debt Lasso When we were paying off our credit card debt, we saw that we could pay off our debt faster with our own strategy, now the Debt Lasso, then either the Avalanche or Snowball methods. Full show notes here: https://debtfreeguys.com/debt-lasso/

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Ep. 86 -Why the Tragic Murder of Gordon Church Still Matters Jan 23, 2018

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

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Ep. 85 - The Cost of LGBT Discrimination Jan 16, 2018

Download the email copy to help end discrimination in Ohio here:https://debtfreeguys.com/wp-content/uploads/2018/01/Ohio-Business-Competes-Swipe-Copy.doc LGBTQ Discrimination Didn't End June 26th, 2015 If you live in a place that affords legal protections to our community, you may not realize the extent of the LGBTQ discrimination that goes on in other areas of the country. There are 29 states that do not consider sexual orientation as a protected class, and three states go so far as to prohibit municipalities from passing non-discrimination protections. Not only do the LGBTQ members of these communities feel they cannot be themselves, they fear for their safety. Ending LGBTQ discrimination How do you convince a conservative legislature to introduce laws that would protect our community? The most effective strategy seems to be the economic argument—making the case that talent, opportunities, and billions of dollars are lost because of discriminatory state policies. And the best way to present that argument is through a coalition of businesses who value diversity and inclusion. Alana Jochum is the executive director of Equality Ohio and a board member of Ohio Business Competes, a no-cost, nonpartisan coalition of businesses that advocate for laws to protect the LGBTQ community in Ohio. Today she explains why so many young people are leaving the state, the power of the ‘business voice,’ and why discriminatory policies persist despite widespread support for LGBTQ protections. Alana discusses the approach used by Ohio Business Competes and the economic disadvantages businesses face in states without protections. She shares several of the challenges the LGBTQ community faces in suburban and rural areas, offering stories of LGBTQ discrimination endured by Ohioans with no legal recourse. Listen in and learn what you can do to support the cause through organizations like Ohio Business Competes, promoting legal and lived equality throughout the US. Get full show notes here: https://debtfreeguys.com/lgbtq-discrimination/

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Ep. 84 - Finding Your Elton John with Melissa the Coach Jan 09, 2018

Get complete show notes here: https://debtfreeguys.com/finding-elton-john-melissa-coach/ Finding Your Elton John If getting your money in order is on your list of New Year’s resolutions, having a reason – finding your Elton John – to be debt free makes all the difference. Finding Your Elton John and Finding Financial Freedom For Melissa Thomas, having the money to go to as many Elton John concerts as possible—and get front-row seats! — gave her the motivation to pay off the $43,000 in debt. Melissa and her husband were stuck in the ‘we can afford a payment’ mentality, buying new cars and a home on credit to keep up with Mr. & Mr. Jones. She became a stay-at-home mom by default after her sons were born, giving up her retail job because daycare cost more than she earned. Problem was, the family didn’t change their lifestyle despite the shift from two incomes to one. In December 2009, Melissa was shopping online for Christmas presents with the help of her friends Visa, Mastercard and Discover, when a voice inside her said, ‘You’re doing this wrong.’ It occurred to Melissa that her sons knew a whole lot about Santa, but very little about the true meaning of Christmas. So, on January 1, 2010, Melissa and her husband enrolled in Financial Peace University and by 2013, they were debt free. Now Melissa serves as a money coach, speaker and author by way of her business, Melissa the Coach. Today on Queer Money™, she shares her journey from $43,000 in the red to debt free Elton John groupie. Melissa explains her effort to teach her sons the value of experiences over stuff and how her life has changed now that debt is no longer an issue. She speaks to the process of saving six months’ worth of expenses, discussing how her family went about eliminating extras until they were financially secure.

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Ep. 83 - Prelude to 2018 Jan 02, 2018

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

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Ep. 82 - QM 2017 Year in Review Dec 25, 2017

Our favorite LGBT podcast episodes on Queer Money™ Year after year, we learn more and more about queer money in the LGBT community. These are our favorite LGBT podcast episodes in 2017 on Queer Money™ about queer money. Inspiring LGBT podcast episodes about queer money 2017 was a great year for Queer Money™. We had some amazing guests and learned so much about money and queer money. Here’s a highlight of some of the best of the best LGBT podcast episodes of Queer Money™ about queer money.

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Ep 81 - Your Late Retirement Catch Up Plan with Teresa Mears Dec 19, 2017

Get your Late-Stage Retirement Calculator & Checklist: https://debtfreeguys.lpages.co/magic-money-late-retirement-checklist-thank-you Late-stage retirement planning If you’re in your 40’s, 50’s, or 60’s and have yet to put money away for retirement, you’re probably feeling anxious and have a thousand questions. Get answers to all your late-stage retirement planning questions on this Queer Money™, and get the Late-Stage Retirement Calculator & Checklist. Will you need to work past 80? Are there alternate investment strategies you should try? What is the best way to start saving—today? Let Teresa help you with late-stage retirement planning. Late-stage retirement planning with Teresa Mears Teresa spent 30 years as a newspaper journalist before shifting to online publishing. She runs Living on the Cheap, a website for personal finance and lifestyle advice. Living on the Cheap is a city-specific network of sites to help residents have a good time without going broke. Today, Teresa explores the reasons why people don’t plan for retirement and the difficulty of living on Social Security alone. She offers an approach to saving for retirement for those getting a late start and addresses concerns about finding work later in life. Teresa explains her take on using the cashflow model to earn retirement income, reverse mortgages, and overspending on ‘stuff.’ Complete show notes: https://debtfreeguys.com/late-stage-retirement-planning/

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Ep 80 - Reach Financial Independence & Retire Early Dec 12, 2017

Get the Early Retirement Checklist here: https://debtfreeguys.lpages.co/early-retirement-checklist/ Financial independence & retire early Imagine a life in which you work because you want to, not because you have to. A life that affords you the freedom to escape ‘cube life’ in pursuit of your passion. That’s FIRE—Financial Independence & Retire Early and what Queer Money™ is all about today. Get the Early Retirement Questionnaire & Checklist and follow along. Reach financial independence & retire early with Gwen & J Gwen and J are the hosts of FIRE Drill, a podcast on which they discuss a wide range of topics in the Financial Independence|Early Retirement (FIRE) space, from real estate to online entrepreneurship to writing romance novels to Airbnb. Both Gwen and J have lucrative careers in tech, and they have been making use of automated savings systems for several years now. J’s FIRE journey helped her and her husband get out from under $100,000 worth of debt and amass $100K in savings in just a few years. Gwen’s six-year FIRE path will let her to quit her job in the Spring of 2018 at the age of 27. Today, Gwen and J explain the two most common approaches to reach financial independence & retire early, sharing how their plans have evolved over time to include real estate investment, stocks and entrepreneurship. They discuss how relationships with friends and family may change as you pursue reach financial independence & retire early and how the diverse FIRE community inspired them to start their podcast. Listen in to reach financial independence & retire early yourself! Get all the resources here:https://debtfreeguys.com/reach-financial-independence-retire-early/

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Ep - 79 - DIY.Fund Helping You Invest Like a Pro Dec 05, 2017

Get your Super-Simple Investing Guide here: https://debtfreeguys.lpages.co/super-simple-investing-guide/ DIY.FUND and Newbie Ivestors Talking Wall Street feels intimidating, but Wendy and Eric Nissan of DIY.FUND, who have both worked on Wall Street, help us help you get started with investing. Who is DIY.FUND? We befriended Wendy and Eric Nissan at FinCon in San Diego in 2016. Both Wendy and Eric had careers on Wall Street where they learned the ins and outs of that world. The Nissans came on Queer Money to break investing down into simple terms to help you start investing. Someday you may be a DIY.FUND client. For now, download our Super-Simple Investing Guide here and listen to this Queer Money to learn everything you need to start investing today. Who are Wendy & Eric Nissan? After moving to Florida from New York, Wendy started asking questions about the management of their own portfolio, and Eric started writing programs to answer her questions. Eventually, they thought, ‘Everyone should have these tools!’ and they designed DIY.FUND, an online portfolio management system that gives individual investors access to the same management tools the pros use. Wendy and Eric’s fintech startup was accepted to Starter Studio, Orlando’s premiere tech accelerator. Since then, they've won tons of awards. DIY.FUND will be fully functional in the next two months. Today the Nissans share their philosophy about online investing tools and offer their advice for newbie investors. They explain how advisors’ commissions affect returns over time and the advantages of using DIY.FUND as an alternative. Ultimately, most financial advisors use software to make decisions about your portfolio. What if you had access to those same tools? What if you could invest in the stock market with confidence—without giving up a huge chunk of your returns to a broker? Get additional resources here: https://debtfreeguys.com/diy-fund-helps-newbies-invest-like-pros/

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Ep. 78 - Is a Postnuptial Agreement Right for You? Nov 28, 2017

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

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Ep. 77 - How to Score Your Best Credit Score Nov 21, 2017

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

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Ep. 76 - Setting QUEER Goals Nov 14, 2017

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

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Ep. 75 - Decoding Prudential’s LGBT Financial Experience Survey Nov 07, 2017

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

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Ep. 74 - Love and Business As a Gay Couple with IM Creative Oct 31, 2017

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

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Ep 73 - Transgender Model Dominique Jackson Talks about Abundance Oct 24, 2017

Meet Miss Dominique Jackson Transgender model, Dominique Jackson shares her story has taken her from the island of Tobago to Mercedes Benz Fashion Week in New York City to the reality show Strut to serving her LGBTQ community at Destination Tomorrow. Her story will inspire you. Model & Reality Show Star Dominique Jackson “It all began with a high five.” In an incredibly competitive industry, it’s easy to begrudge the success of another model or actor, to view a colleague’s achievement as if they’ve taken something away from you. But successful transgender model Dominique Jackson rejects such a scarcity mindset, celebrating the success of her colleagues. In fact, the simple gesture of a high five sent waves through the community—and led to the opportunity to do reality series Strut. Dominique grew up in privilege in Trinidad and Tobago but was ultimately rejected by her family over her gender identity. She moved to the US in 1990 and started school while she was transitioning. Dominique has encountered her share of obstacles, from homelessness to drug and alcohol abuse to survival sex work, but a combination of intuition, belief and therapy have allowed her to view those challenges as a test that helped Dominique realize just how far she can go. Dominique paid her dues in the modeling industry, doing a number of free shows before landing a job as a resident model with Adrian Alicea in 2009. This break led to her first appearance at Mercedes Benz Fashion Week that same year. Today Dominique shares the trajectory of her modeling and acting career, as well as her challenging personal journey as a transgender woman. She explains how a shift in mindset and a healthy dose of discipline helped Dominique see her way clear of $10,000 in credit card debt, and how she came to serve as Director of Programming for Destination Tomorrow. Learn about her work to support the LGBTQ community and how to adopt a mentality of abundance. Get all the resources here: https://debtfreeguys.com/transgender-model-dominique-jackson/

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Ep 72 - Helping Equality Credit Union Help the LGBT Community Oct 17, 2017

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

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Ep 71 - Long-Term Care Insurance for LGBT People Oct 10, 2017

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

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Ep. 70 - Retraining Your Brain for Success Oct 03, 2017

Retraining your brain “We can’t solve problems by using the same kind of thinking we used to create them,” said Albert Einstein. If you’re unhappy with your current condition, retraining your brain is the first step to change. Unlocking your full potential by retraining your brain That little voice in your head — the one saying you can’t, you shouldn’t, they wouldn’t — isn’t doing you any favors. In fact, the limiting beliefs fostered by that annoying little voice are holding you back from unlocking your full potential and getting the life you want. How, then, will retraining your brain change your mindset and your current condition? JR Badian works for NeuroGym, using emerging technologies to help people with creating opportunities for themselves in the areas of finance, health, wealth and personal development. NeuroGym applies scientifically-proven techniques for retraining your brain by expanding your mental and emotional powers to maximize your performance and potential. What JR knows about retraining your brain for success JR has enjoyed a successful career in finance and marketing; prior to joining the team at NeuroGym, he spent five years as VP of Digital Marketing at MasterCard. JR has been named one of Brand Innovators 40 Under 40 (2013) and OUTstanding’s Top 100 LGBT Executives (2016). JR shares his advice on Queer Money about making an impact in your community and how acceptance drives innovation and growth. Listen and learn more about how NeuroGym can help with retraining your brain and overcoming limiting beliefs! Topics covered about retraining your brain JR’s advice around making an impact in your community Focus on others Build ‘persistencies’ Go out of way to help others Simplest things are most profound Start every exchange with something positive (e.g.: smile) How acceptance drives innovation and growth Acceptance leads to diversity Diversity multiplies ideas (innovation) Companies that innovate will grow Starts with acceptance of self Can’t do best work if not yourself Learn from success and failure John Assaraf’s NeuroGym John is well-known success coach, appeared in The Secret Spent years studying retraining your brain, creating a new movement Systematic approach to overcome failures, get more out of life Unlock potential through ‘Innercises’ Change mindset through brain retraining Overcome limiting beliefs The origin of limiting beliefs History, books, school Friends, family Develop thought pattern Beliefs drive behavior, how see world Happens on unconscious level How to overcome limiting beliefs by retraining your brain Implicit beliefs (I can’t…, I don’t deserve…) are programmed May declare otherwise (explicit beliefs) Misalignment of implicit, explicit = chaos The NeuroGym approach to behavior change Evidence-based methods Reprogram subconscious mind ‘Innercises’ that retrain brain Give confidence, edge Don’t get upset, derailed by little things The upcoming BRAIN-A-THON on October 7 for retraining your brain Free, live online event Features best brain experts Overcoming fear of failure Tapping into the subconscious mind Retraining your brain for success The value of surrounding yourself with people that push you Ignites mental growth Raises your game, aspirations Connect with JR NeuroGym Brain-A-Thon Resources 2016 OUTstanding and FT Rankings The Secret John Assaraf John Assaraf on Sean Croxton’s Podcast

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Ep. 69 - A Fun Fix for Your Relationship with Money Sep 26, 2017

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

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Ep 68 - Best 401k for Young Adults Sep 19, 2017

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

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Ep 67 - A Surprising Fact about Gay Suicide and What We Can Do Sep 12, 2017

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

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Ep 66 - MassMutuals LGBTQ Financial Security Study Sep 07, 2017

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

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Ep 65 - Gay Artists Stand Out in Alternative Cities Aug 29, 2017

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

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Ep. 64 - Going Deep on Social Media with Pink Banana Aug 22, 2017

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

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Ep 63 - Robert Carter Talks Men in Tights – and Pointe Shoes Aug 15, 2017

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

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Ep. 62 - Destination Tomorrow Allows LGBTQ Youth to Shine Aug 08, 2017

The LGBTQ population in every community deserves local access to medical and legal services – and a safe space to meet up. When Sean Coleman saw that the South Bronx was lacking, he cashed out his 401K and founded the non-profit Destination Tomorrow, an organization that serves LGBTQ youth 13 to 24 years of age, with a focus on the transgender community. When Sean established the agency in 2009, he was the sole employee. (Well, perhaps ‘volunteer’ is a more accurate term since he did without any income whatsoever for the first two years!) Despite a number of struggles – including the loss of his condo – Sean knew that Destination Tomorrow was his purpose, so he persevered. Today Sean serves as the Executive Director of a growing organization, leading a staff of eight salaried employees who served more than 300 individuals in 2016. Today Sean discusses the services offered at Destination Tomorrow, how he approaches financial literacy with a population that distrusts the banking system, and his advice for others who may want to initiate similar programs in their own community. Listen in as Sean explains how you can get involved in making your community a safe space and shares success stories of individuals served through Destination Tomorrow! Topics Covered The programs offered at Destination Tomorrow • Drop-in program (safe space) • Economic empowerment • GED-readiness program • Housing referrals • Medical, mental health referrals The statistics around homelessness and the LGBTQ population • 51% of homeless in South Bronx are LGBTQ • Majority of that 51% are individuals of color • Many have aged out of foster care system How Sean funded Destination Tomorrow in the beginning • Cashed out 401K • Filed for bankruptcy when personal funds ran out • No income whatsoever in first two years How Sean maintained the courage to keep going • Had come too far to give up • Built momentum with each small victory • WHY was important enough to persevere Destination Tomorrow’s Financial Literacy Program • Partnership with TD Bank • Community unfamiliar with conventional banking • Teaches importance of saving, understanding credit • Students learn basic banking (i.e.: reconcile checkbook, budgeting) • Participants can open bank account with $25 Why financial security is the foundation of a strong queer community • Can’t give back, support community when struggling • Make poor decisions when resources lacking How Destination Tomorrow’s Financial Literacy Program counters the community’s distrust of banks • MassMutual’s LGBTQ Financial Security Summary reports that 59% of LGBTQ community doesn’t trust banks • Understanding the process eases fears (e.g.: overdraft fees) • Education around establishing cushion, overdraft protection • Build relationship with TD bank rep, Barton How fear for physical safety is connected to carelessness with money • May spend money don’t have for cab fare • Must work to change environment • Promote understanding that money provides a certain amount of protection Destination Tomorrow’s KIKI World events • Based on cult classic Paris is Burning • Participants compete in stage competitions (known as KIKI Balls) • Youth meet every Thursday to prep (KIKI Lounge) • Affords staff opportunity to build rapport with young people, connect with services when appropriate The end goal for Destination Tomorrow youth • Self-sufficiency • Ready for employment • Understand what independent living looks like • Healthy etc. How Destination Tomorrow is funded today • Private foundation grants • Two city grants, one state grant • Individual giving plan

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Ep. 61 - 5 Steps to Prepare for Financial Emergencies in Your Sleep Aug 01, 2017

This simple, five-step guide from our Queer Money podcast will prepare for financial emergencies with your eyes closed. Dealing with an emergency is difficult enough, but add to that the stress of not being able to cover your bills afterward. An unexpected accident, illness or car repair can leave you in a lot of financial pain long after the initial crisis. According to a recent MassMutual study, half of our community would be in real financial trouble if faced with an unexpected expense of $5,000. If you’re stressed just thinking about it, listen in as David and John cover the five steps to getting prepared for a financial emergency. Today the Debt Free Guys address emergency savings goals, the importance of having a separate account for this money, and the value of direct deposit in gradually building enough savings to cover six months of living expenses. Learn why it’s essential to build your emergency savings before you deal with other financial goals and when ‘out of sight, out of mind’ is a good thing! If you’re not prepared for a financial emergency, it’s time to start building your emergency savings today – with these five simple steps! Gay Podcast Queer Money by Mass Mutual Topics Covered to Prepare for Financial Emergencies Standout data from the MassMutual LGBTQ Financial Security Summary Four in five say high debt levels make managing finances difficult 25% report having less than $500 in savings 50% say an unexpected expense of $5,000 would cause real cutbacks/they would not get by John and David’s advice on determining emergency savings goals Eventually, save enough to cover three to six months of living expenses Do whatever it takes to save $500 as quickly as possible (insurance deductibles) Step 1: Create a basic, no-frills savings account separate from all others Separate financial institution, challenging to access Leverage your laziness Step 2: Note your account information Account number Nine-digit transit routing number Step 3: Establish a direct deposit from employer Complete employer’s direct deposit form Portion of paycheck automatically sent to emergency savings Avoid reviewing statements (out of sight, out of mind) Step 4: Choose an amount to set aside each month Direct deposit allows for consistent contribution Make small changes (i.e.: giving up one lunch per week) Step 5: Increase your contribution in proportion to pay increases Emergency savings should grow with your success 3% raise on $50K = $100/month after taxes Contribute at least $25 to emergency savings John and David’s next steps once emergency saving is established Shift focus to other goals, i.e.: paying off debt Set up additional accounts for specific purposes (e.g.: home improvements, vacations) Generic Direct Deposit Form - http://debtfreeguys.com/wp-content/uploads/2017/07/Generic-Debt-Free-Guys-Direct-Deposit-Form.pdf Automating Your Emergency Savings Checklist - http://debtfreeguys.com/wp-content/uploads/2017/07/Debt-Free-Guys-Automating-Your-Emergency-Savings-Checklist.pdf

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Ep. 60 - How To Live Fabulously According to Patrick L Riley Jul 25, 2017

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

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Ep. 59 - Making Money with Real Estate Investing Jul 18, 2017

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

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Ep. 58 - LGBT Assisted Living in America Jul 12, 2017

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

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Ep. 57 - Meet the Doctor for Your Student Loan Ills Jul 05, 2017

Navigating Student Loan Debt with PT Grad and Podcaster Will Boyd Most college students don’t understand what they’re getting into when they take on student loan debt. It is easier to remain blissfully ignorant of compounding interest while you enjoy the university experience, but that lack of knowledge may cost you the ability to live the life you want later on. Will Boyd recently earned his doctorate in physical therapy from Chatham University in Pittsburgh, but his journey to a degree in healthcare was not a straightforward one. His Bachelor’s was in international studies, and Will’s original intent was to become a human rights lawyer. But while teaching English in Spain and studying for the LSAT in preparation for law school, he realized that his health was suffering from extended periods sitting behind a desk. Will sought guidance from Google about his future, and eventually landed on PT as his chosen field. Will is the host of two podcasts: The Knowbodies, a show that features leaders in health, wellness and self-development, and Breaking Student Debt, a program to document his journey navigating his way out of the student loan debt he accumulated in graduate school. Today Will shares the breakdown of what he owes, how he is working to refinance his student loans, and the connection between debt and your health. Listen in and learn how to be your own unicorn, face your debt head on and live the life you want! Topics Covered Will’s student loan debt • $161,000 with compounding interest • $80,000 in Stafford loans for tuition • $60,000 in Grad PLUS loans for personal expenses • $20,000 interest • No private loans • Some loans begin accruing interest as soon as you accept money • 4.5% adds up quickly over time Will’s mindset around debt during grad school • ‘Ignorantly cognizant’ • Took out more than needed to have buffer • Because money was cause of tension in family, didn’t want it to dictate own life Will’s advice to young people regarding money and debt • Consider taking a year off after high school • Work full time to understand real hard work, time investment • Career path may not require formal education • Get creative in funding education via scholarships, crowdfunding The feasibility of working while going to school • Intense academic course load didn’t allow Will to do so • Did some website building, online marketing on the side • Weigh pros and cons of giving up 10-15 hours of free time Will’s refinancing process • Standard repayment plan would cost $1,981/month for ten years • Connected with FitBUX for advice • Transfer to extended fixed plan, owes $1,100/month • Consolidating eight different loans to one interest rate (dependent on credit score and debt-to-income ratio) • Documenting journey through podcast Will’s take on the federal student Loan Forgiveness program • Great concept, really helped some • Others disillusioned and ended • Change in government leadership could take away • Look into it if on service-oriented career path • After ten years at non-profit, remaining debt forgiven The Breaking Student Loan Debt podcast • Documents Will’s journey navigating system • Focus on understanding system • Explore tactics for paying off debt • Share ideas for growing income Mass Mutual’s findings around the LGBT community and money • 80% concerned about direction of government, compared to 66% of general population • 65% worried about money, compared to 57% of general population • 45% believe money woes adversely affect their health, compared to 34% of general population Will’s perspective on financial worry and your health • We grossly underestimate the cost of financial worry on physical health • Need to start talking about it, especially in time of chaos in government • Healthcare is more psychology than anything else • Develop a mindset to confront money issues • Invest in yourself, your belief system

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Ep 56 - What You Can Learn from the Daughter of Two Moms Jun 29, 2017

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

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Ep 55 - Increase Your Income with Business Coaches Caleb & Matthew of LGBTQ Entrepreneur Jun 21, 2017

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

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Ep 54 - One Million Reasons Gay Couples Should Get Married Jun 14, 2017

Why Should You and Your Gay Partner Get Married Now? Did you know that 71% of LGBT people are scared they won’t have enough money to live out a happy retirement? It’s scary think we could run out of money as we age. What can you do to be better prepared? What can you do to have a better LGBT retirement? When you find out, you and your queer partner will want to get married now.

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Ep 53 - Successful LGBT Living with Jay Allen Jun 07, 2017

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

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Ep. 52 - 3 Surprising Stats About Your LGBT Financial Experience May 31, 2017

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

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Ep. 51 - 15 Social Media Tricks To Take Your Brand From Bland to Grand May 24, 2017

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

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Ep. 50 - The Path To Early Retirement May 17, 2017

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

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Ep. 49 - 17 Semi-Hard Ways to Keep More of Your Money May 10, 2017

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

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Ep. 48 - How to Get What You Really Really Want May 03, 2017

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

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Ep. 47 - Purpose Driven Spending Apr 19, 2017

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

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Ep. 46 A Gay Couples Quest to Create a Queer Family Apr 12, 2017

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

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Ep. 45 - Coming Further Out of the Closet Apr 05, 2017

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

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Ep. 44 Go From Flab to Fab at The Financial Gym Mar 29, 2017

Our good friend, Shannon, gave it to us good so we gave it right back to her. That’s a podcast interview, gurl with her mind in a gutter! Shannon McLay is the brainchild, owner, and master trainer at The Financial Gym. The Financial Gym is where you lose debt (weight) and gain financial independence (muscle). Over some bottles glasses of wine, Shannon gives us all the ins, outs, tips, and tricks that make hers the gym of choice for anyone needing cushion in their back pocket. To join The Financial Gym and get your money in shape with one-on-one help, click here and get started today. Tell Shannon the Debt Free Guys sent you. If you sign up by May 1, 2017, you’ll get 50% off the Kickstarter Package.

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Ep. 43 Attract More Money Mar 22, 2017

We’re following up on last week’s Queer Money on which a listener asked for advice on how to talk to his partner about his partner’s money troubles. We recommended completing our Hopes & Dreams and Financial Blockers exercises. This week’s exercise gives us the opportunity to uncover what we’re willing to do to attract more money into our lives. Get the download here: http://debtfreeguys.com/2017/03/attract-more-money/

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Ep. 42 - Talking to Your Partner About Money Mar 15, 2017

We received an email from a Queer Money listener who asked us to share our thoughts on how to talk about money with your partner when it’s hard to talk about money with your partner.

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Ep. 41 - Eva Baker Teen Entrepreneur Mar 08, 2017

On this Queer Money, we interview teenpreneur Eva Baker of TeensGotCents.com. Schools aren’t adequately teaching today’s students about money. Enter Eva Baker. Eva only recently lost her teenager-card, but is teaching teenagers and others too young to enter a bar about money. What started as a home-school project assigned by her mother, Eva has turned into a full-time job and a company with four employees.

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Ep. 40 Why Would I Want a Money Coach? Mar 01, 2017

One of the many reasons we love doing what we do is because we meet amazing people and businesses who are doing amazing things. It’s for this reason that we were excited to talk with Megan Lathrop, Capital One’s leading money coach. Capital One believes “that banking needs to be reimagined – not only to meet customers’ current needs – but to empower and encourage them with tools, services, and an environment that fits into their lives.”

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Ep. 39 Living Authentically with Sarah Li Feb 22, 2017

Our FinCon friend, Sarah Li of High Fiving Dollar, is on a mad mission to appear on 100 podcasts in 2017 to talk about living the authentic life. When she told us, we said, “Come on Queer Money, gurl!” She obliged and helped us create one of our best podcasts about being yourself and living an authentic life. Living an authentic life is something with which many queer people struggle. So, don’t miss this show!

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Ep. 38 Protect Your Family Financially Feb 15, 2017

On today’s Queer Money, we sorta celebrate Valentine’s Day in a unique kinda way. We’re joined by Dr. Jennelle to talk about love and money and how if you’re in love you should talk about money to protect your family financially. Dr. Jennelle is a Ph.D. Psychologist and Relationship Advisor. She specializes in non-traditional relationships, specifically those who transition from straight marriages to same-sex marriages because, well, that’s what she did. It’s like how we talk to queer people about money because, well, that’s who we are.

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Ep. 37 Emil Wilbekin, Modern Renaissance Man Feb 08, 2017

“It’s not about being comfortable. It’s about the discomfort and finding your way through the discomfort,” says Emil Wilbekin, journalist, editor and multimedia guru. To call Emil Wilbekin a gay man today in these times is not the same as calling him a gay man in 1990s in the world of hip-hop. That’s thanks to Wilbekin’s courage and the courage of others like him. We invited Emil Wilbekin onto Queer Money to talk about how he worked up the courage and overcame the challenges of being an editor for hip-hop’s Vibe Magazine at a time and place when it wasn’t necessarily okay to be gay.

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Ep. 36 - 8 Weapons to Fight the Trumpocalypse Non-Cents Feb 01, 2017

It’s been less than two weeks since Trumpocalypse descended upon our nation. If the last 13 days of Trumpocalypse are any sign of what the next 1,438 days will be, we’re in for a long four years. Though the queer community hasn’t felt the wrath of Trump, there’s great concern that we’re on the hit list. Whether we are or we aren’t, we must prepare to continue our fight for equality. On this Queer Money, we discuss between each other eight ways we can prepare for the possible and possibly probable Trumpocalypse on the queer community. Gay Money, Gay Rights, LGBT Finances.

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Ep. 35 - Have a Financial Plan Jan 25, 2017

This is the fourth and final week of our month-long Four Principles of a Debt Free Life Series! Throughout the month of January 2016, we covered each of the four principles we wrote about in 4: The Four Principles of a Debt Free Life. On this week’s Queer Money we discuss the fourth principle of a debt free life, have a financial plan. This week’s free tool is the #MoneyConscious Financial Planning Guide: 12 Steps to a Richer You. Get your free copy of #MoneyConscious Financial Planning Guide: 12 Steps to a Richer You here: http://debtfreeguys.com/2017/01/financial-plan/ ‎

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Ep. 34 - Cash Is King Jan 18, 2017

This is week three of our month-long Four Principles of a Debt Free Life Series! Throughout the month of January 2016, we’ll cover each of the four principles we wrote about in 4: The Four Principles of a Debt Free Life. Today’s Queer Money covers the third principle of living a debt free life, cash is king. This week we’re promoting the Mvelopes, as a tool to help you master the cash is king principle. When we paid of $51,000 in credit card debt we used actual envelopes to manage our money from pay check to pay check. Mvelopes put a modern, technological twist on this tried and true strategy. Mvelopes is a Debt Free Guys’ affiliate. We make money when you use our affiliates. However, Mvelopes' basic package is free to you. Regardless of which package you chose, this link will take you to Mvelopes’ free Debt Analysis application that we know you need. From there you can choose Mvelopes’ Basic Plan (free to you), Premium without Coaching Plan or Premium with Coaching Plan. We only recommend companies, products and services we trust. Our affiliate relationships let us continue to serve our readers and listeners.

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Ep. 33 - The One Thing Wealthy People Do That You Don't Jan 11, 2017

This is week two of our month-long Four Principles of a Debt Free Life Series! Throughout the month of January 2016, we’re covering each of the four principles we wrote about in 4: The Four Principles of a Debt Free Life. On today’s Queer Money, we’re discussing the second principle of living a debt free life, live below your means. Get the show notes here: http://debtfreeguys.com/2017/01/live-means/

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Ep. 32 - Be Money Conscious Jan 04, 2017

We’re excited today to kick off our month-long Four Principles of a Debt Free Life Series! Throughout the money of January 2016, we’ll cover each of the four principles we wrote about in 4: The Four Principles of a Debt Free Life. Today we’re talking about the first principle, be money conscious. Get the free download at http://debtfreeguys.com/2017/01/money-conscious/

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Ep. 31 - 3 Surprises, 3 Ah-has & an Awesome Money Quote Dec 28, 2016

This week Queer Money brings back Certified Financial Planner (CFP) Brian Thompson of BT Financial. Brian was our featured guest on Season 1, Episode 11: 4 Keys to Winning the MidLife Career Change, on which Brian talked about his transition from tax attorney to CFP. This week Brian shares three surprises, three ah-has and an awesome LGBT money quote, as we discuss his participation in Betterment’s Wealth Management for the LGBT community event in New York City earlier this month.

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Ep. 30 - Why Your Last Date Took Your Last Dollar and How To Get It Back Dec 21, 2016

Is the cost of your dates going north while your love life is going south? Are you down to your last dollar? On this Queer Money, we host two good friends, one gay and one straight, to talk about the financial costs of both the queer and the straight dating scenes. Social media, such as Facebook, Instagram and, yes, Grindr, are making the world smaller. The costs to dating someone we meet on these apps for dinner, long-term or sex are higher because travel expenses are taking your last dollar.

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Ep. 29 - Has the Fight For Queer Equality Gone Back Into the Closet Dec 14, 2016

Since same-sex marriage was passed by The Supreme Court of the United States in June 2015, queer equality has been achieved, right? Wrong! The fight for queer equality has migrated to the state level and many discriminatory rules, regulations and precedence have yet to be updated. One woman is helping to change all of this. Show notes can be found here: http://debtfreeguys.com/2016/12/fight-queer-equality-gone-closet/

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Ep. 28 - 3 Big Money Mistakes & How to Fix Them Dec 07, 2016

Is money the root of all evil? Is your gender, race, religion or sexual orientation keeping you from financial success? Who’s to blame for your financial struggles? On this Queer Money, we talk with our friend and colleague, Bob Wheeler of The Money Nerve and Funny Money podcast about big money mistakes and limiting money beliefs.

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Ep. 27 - Turn Your Someday Goals into Reality in 60 Days Nov 30, 2016

On today’s Queer Money, we talk with motivational speaker, life and career coach, Megan Watt. Megan is the author of the prescriptive book Discover. Act. Engage., which helps people turn seemingly unachievable life goals, or Someday Goals, into reality. Megan is now turning her successful book into a docuseries to help even more people.

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Ep. 26 - 9 Affordable Care Act Facts to Know for Open Enrollment Nov 23, 2016

On this episode of Queer Money, we talk with co-founder and CEO of Policy Genius, Jennifer Fitzgerald. Jennifer shares with us her insights about the Affordable Care Act (ACA) as it stands today, what everyone should know during open enrollment and her insights as to where the ACA may go under the new presidential administration. As Jennifer shares, research shows consumers spend more time choosing a phone plan than choosing their healthcare plan. Listen to this informative Queer Money to help choose the best healthcare plan for you.

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Ep. 25 - Boomer Retirement: Will You Be Ready? Nov 16, 2016

We bring back one of our favorite CFPs, David Rae of FinancialPlannerLA.com, to finish our Queer Money series on generational retirement planning. You can find our show on Millennials here and GenXers here. Today’s focus is on gay boomers and all queer people in the boomer age group.

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Ep. 24 - Heroes, Olives & Financial Advisors Nov 09, 2016

This is a Queer Money first! On today’s show, we host not one, but two guests. On today’s show we talk about the unique considerations for LGBT financial planning. Olivia Hamilton, who represents one of our affiliates, GuideVine, connected us with Cathy Pareto, a financial advisor from Miami FL with a compelling personal story of her own and valuable advice for our queer listeners.

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Ep. 23 - Two Ways to Make Your Company a Leader Nov 02, 2016

On this Queer Money, we talk with Betsy Codding. Betsy is the Social Media Manager for MassMutual and was a key player in producing MassMutual’s beautiful and powerful “Vow to Protect” video campaign. “Vow to Protect” was a big investment and a bold statement of support for the LGBT community and same-sex marriage even for a company that historically supports our community.

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Ep. 22 - Domestic Violence in the Queer Community Oct 25, 2016

Today’s Queer Money closes out Domestic Violence Awareness Month. Domestic violence is a topic not much discussed in our society. If it wasn’t for our friend and guest for today’s Queer Money, Brynne of Femme Frugality, we wouldn’t have known that October is Domestic Violence Awareness Month. When domestic abuse is talked about, it often excludes LGBT people. That’s the topic we discuss today.

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Ep. 21 - Take Your Ordinary to Extrodinary with DJ Doran Oct 19, 2016

DJ is the founder and CEO of Doran Multimedia that serves the queer community. He and his husband, Joe, have gone from rags to riches and rags to riches, again, and are on their fourth round of riches with their foray into media. We learn how they lived in Circus Circus in Las Vegas for $600 a month, how they fought a former Hell’s Angel over a sailing magazine and what it was like being in the military and coming out to his Italian Catholic mother.

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Ep. 20 - The Economics of Being Trans with Andi Tremonte Oct 12, 2016

Andi Tremonte, a female to male trans person, joins us on this episode of Queer Money to talk about being transgender and the financial costs of gender reassignment. Andi explains to us his process of coming out as transgender. He first found support through his friends and then found a gender-affirming therapist who helped him navigate his coming out.

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Ep. 19 - Redefining Life Insurance with Mark Sayre Oct 05, 2016

On this Queer Money, we talk about how today’s life insurance is not your father’s life insurance and why all queer people need it. We’re joined by Mark Sayre, Underwriting Product Manager for HavenLife, who gives us all we need to know to get the right life insurance. He, also, shares how his company is making great strides to serve their trans clients.

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Ep. 18 - Curtis Wong: From Madonna to Arianna Sep 28, 2016

On this Queer Money, we meet Curtis Wong, Senior Editor of The Huffington Post Queer Voices. We highlight other successful members of the queer community on Queer Money. To become the senior editor of such a ubiquitous publication is a great success. This episode is for anyone thinking of getting into journalism and those who want to make a childhood dream come true. Curtis Wong shares that it was reading a 1992 Vanity Fair article on Madonna that inspired him to become a journalist. Let's talk Queer Money. Let's talk LGBT Finances.

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Ep. 17 - Getting Back to Fitness in Your 40s Sep 21, 2016

We bring back Queer Money Lifestyle Newsletter, Elite Personal Trainer and body builder Aaron Guy for this week’s Queer Money to talk about fitness for 40-year-olds and older. We’re in our 40s. In fact, John turned 43 shortly after we recorded this episode. So, fitness is a concern that near and dear to us. Would you believe that Aaron’s top two favorite exercises for abs are squats and dead lifts? Aaron, also, shares the number one mistake you’re making! When you learn this, you’ll be liberated.

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Ep. 16 - Queer Money: Wining About Success Sep 14, 2016

We decided to shake Queer Money up a bit, bust out our wine and talk about one of our favorite topics, success. We love watching motivational videos and listening to motivational podcasts about success and the law of attraction. These topics motivate and inspire us to do more and be more ourselves. The goal of Queer Money is to help the queer community do more and be more, so we share with our queer tribe what has worked for our lives and what we think will help others in our queer tribe with their lives. Let's talk gay money! Let's talk LGBTQ finances!

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Ep. 15 - 6 Considerations Queer Couples Forget When Family Planning Sep 07, 2016

On this episode of Queer Money, we talk with Adrian from Tel Aviv, Israel. Adrian shares with us his experience navigating the international waters of queer family planning. With same-sex marriage still new in the U.S., the queer community is considering family planning at record levels. This Queer Money shares an example of what international surrogacy looks like outside the United States for same-sex couples and six considerations queer couples shouldn't forget when planning their family. Let's talk Queer Money! Let's talk LGBTQ Finances!

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Ep. 14 - The Trip that Is Changing the Face of AIDS in Africa Aug 31, 2016

On this Queer Money, we talk with philanthropist, Steve Bolinger, about how he created Development in Gardening (DIG), which is helping to fight AIDS in Africa. To learn how Steve traveled the world for nine months and then created such an impactful organization, listen to or watch this Queer Money. Let's talk Gay Money! Let's talk Queer Money!

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Ep. 13 - 5 Money Steps Queer GenXers Must Make Today Aug 24, 2016

On this Queer Money, we continue our series on generational career and retirement planning. This episode focuses on GenXers, also considered the sandwich generation because we often get lost between Baby Booms and Millennials in terms of marketing and media attention. Let's talk Gay Money! Let's talk LGBT Finances!

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Ep. 12 - 7 Home Buying Tips with William S. Matthews Aug 17, 2016

Are you buying a home or investment property? On this Queer Money, we talk with real estate pro, William Matthews, about home buying tips you need to know. Let's talk gay finances. Let's talk Queer Money.

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Ep. 11 - 4 Keys to Winning the Mid-life Career Change Aug 10, 2016

It seems every generation wants a midlife career change earlier than the generation before them. A recent study shows that 73 percent of the 30-somethings want a new career, up from 64 percent in 2013. Another study shows that 80 percent of 20-somethings already want a new career. What should these job hoppers know? We talk with recent midlife career changer, Brian Thompson, about his switch from being a successful tax attorney to becoming a Certified Financial Planner® (CFP®) for LGBTQ couples. Lets talk gay money, gay finances. Let's talk Queer Money!

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Ep. 10 - Millennial Career and Retirement Aug 03, 2016

Today’s job and investment markets are scary. However, the technological opportunities available to millennials position them well for the pursuit of their passions. This makes millennials career and retirement planning unique and exciting. On this Queer Money, we'll guide you to maximize these opportunities. Lets talk gay money, gay finances. Let's talk Queer Money!

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Ep. 9 - Paying for a Gay Wedding Jul 26, 2016

In the ever changing landscape of equality, one thing is now certain; we can get married. Now who's gonna pay for it? Is it a generational thing? Should or will your straight parents pitch in to help? What can you do to keep the costs down if you are funding it yourself? This episode of Queer Money, along with guest William Matthews, answers the questions many of us have been waiting years to be able to ponder.

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Ep. 8 - Cinema Q, Denver's Thriving Queer Cinema Jul 14, 2016

Denver's Queer Cinema is thriving, thanks to the Denver Film Society. Do you like seeing movies with gay, bisexual and transgender characters living normal and some not so normal lives? The Denver Film Society dishes up a does on a regular basis each month as well as it's annual CinemaQ film festival each year in July. Patrick O'Brien, director at DFS, talks with us about the success and history of this great addition to Denver's entertainment, as well as the impact it is having on our community. Lets talk gay money, gay finances. Let's talk Queer Money!

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Ep 7 - Getting Into Bed With Bed Buddies Director, Reid Waterer Jul 04, 2016

In this episode of Queer Money, we chat with Bed Buddies Director, Reid Waterer about success and working an over 20 year career with Queer Cinema. #LGBT #Queer

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Ep. 6 - Our Number One Question to Our Success Jun 29, 2016

Will you do it? Will you ask the one question that will lay the yellow brick road to your success? It was this one question that allowed us to squash the wicked witch of debt and hail the rise of our own emerald city. We did it. So can you! Lets talk gay money, gay finances. Let's talk Queer Money!

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Ep. 5 - Meet The Lion Chad Nash Jun 22, 2016

Wish you could travel for 2 years straight? Our guest this week has done just that. On Queer Money Episode 5, we talk with serial entrepreneur and author of The Lion in the Cubicle, Chad Nash. Chad shares insight and tips for successful living. Lets talk gay money, gay finances. Let's talk Queer Money!

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Ep. 4 - Who Or What Is A Debt Free Guy? Jun 17, 2016

How did we become The Debt Free Guys? How did we climb out of $51,000 in credit card debt? When did our lives turn around and what started it all? Find out more on this episode of Queer Money. Lets talk gay money, gay finances. Let's talk Queer Money!

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Ep. 3 - Gay Pride And Financial Prejudice Jun 10, 2016

On this episode we are joined by financial advisor David Rae, CFP, of Los Angeles, CA. We talk about the fabulousness of PRIDE and the not so fabulousness of the financial state of our community. Who's keeping up with Mr. & Mr. Jones? What can we do to do it better and we give 3 or 4 ways to stand out and save money over the PRIDE holidays. #QueerMoney Lets talk gay money, gay finances. Let's talk Queer Money!

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Ep. 2 - The Gay Income Disparity Is It Real? Jun 09, 2016

On this Queer Money, we are joined by Emma Johnson of WealthySingleMommy.com and Karen Raforth of Boulder, Colorado's KGNU show Outsources. We talk about whether or not the gay wealth disparity is real. Does the LGBT community have more wealth? Are gay men better off financially than our queer peers? Enjoy the show. Feel free to drop us a comment on the Debt Free Guys Facebook wall or on DebtFreeGuys.com Lets talk gay money, gay finances. Let's talk Queer Money!

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Ep. 1 - Coming Out At Work Jun 02, 2016

On the inaugural episode of the Queer Money podcast, we're joined by a former EVP of a Fortune 500 company and the Director of One-Colorado to discuss the risks and rewards of coming out at work. Find out more at http://www.Queer.Money Lets talk gay money, gay finances. Let's talk Queer Money!

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Money can't buy happiness, but it can buy something pretty close to it.

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Life changes aren't easy and one of the biggest, transitioning from work to retirement can cause a lot of stress and anxiety. How can you be more prepared?

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Per Bankrate in May 2023, 52% of respondents to recent study listed money as biggest toll on mental health issues.

The Wall Street Journal in April published an article titled People Are Sick and Tired of All Their Subscriptions

Subscriptions per user peaked in the 3rd quarter 2022, but ⅓ of respondents to a Credit Karma claimed their biggest financial mistake in 2022 was paying for services they did not use.

Today on Queer Money, we're sharing 7 ways you can cut those subscriptions and add some money back into your budget.

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