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    Business

    Queer Money®: How Gay People Do Money

    Queer Money is a bi-weekly show dedicated to creating desperately needed generational wealth within the gay community because we deserve to sleep better at night and we must stand up to the anti-LGBTQ+ industrial complex.

    Listen and watch regularly to eliminate financial insecurity and generate personal wealth, prepare for a secure and fun retirement, find the most affordable, LGBTQ+-friendly cities in the US to live in or travel to, grow your stock portfolio to $1,000,000+, build a real estate empire and start a small business.

    Your hosts are husbands and money experts David & John Auten-Schneider who have been the leaders in LGBTQ+ finance since 2015. With nine seasons, nearly 500 episodes, over a million downloads and features by Oprah, Advocate, Variety, CNBC and more, the award-winning Queer Money is the longest running show made by and for the LGBTQ+ community and is the only show solely dedicated to our financial well-being as gay people.

    · For more financial information and helpful resources, visit queermoneypodcast.com
    · For complementary charts and grafts (and pretty pictures), subscribe to Queer Money on YouTube @ https://www.youtube.com/@queermoney?sub_confirmation=1

    Advertise

    Copyright: © All rights reserved

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

    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

    Follow us:

    • Queer Money Instagram
    • Queer Money YouTube
    • Queer Money on Tiktok
    • Connect with John on LinkedIn
    • Connect with David on LinkedIn

    Mentioned in this episode:

    Optimize August Ad 2

    With political uncertainty growing in the U.S., now is the time to build your Plan B. The Optimize Portugal Golden Visa Fund may let you invest existing IRA assets while pursuing Portuguese residency for you and your family. Don’t wait until you need an escape plan to create one. Click below to learn more and request information.

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    It's time to create your retirement abroad plan

    What if your retirement plan included a backup plan outside the United States? The Optimize Portugal Golden Visa Fund may give you the opportunity to invest existing IRA assets while also pursuing residency in Portugal for you and your family. That could mean greater flexibility, access to living and potentially working in Portugal, and a pathway to spending more time throughout Europe. Your retirement savings may be able to do more than fund your future. They could help expand where that future happens. Click the link below to learn how the fund works and request additional information.

    Get Your Portugal Golden Visa Here!


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

    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

    Follow us:

    • Queer Money Instagram
    • Queer Money YouTube
    • Queer Money on Tiktok
    • Connect with John on LinkedIn
    • Connect with David on LinkedIn

    Download your FREE Queer Money Kickstarter a 9-step Guide to Kickstart Your Journey to Financial Independence

    Mentioned in this episode:

    It's time to create your retirement abroad plan

    What if your retirement plan included a backup plan outside the United States? The Optimize Portugal Golden Visa Fund may give you the opportunity to invest existing IRA assets while also pursuing residency in Portugal for you and your family. That could mean greater flexibility, access to living and potentially working in Portugal, and a pathway to spending more time throughout Europe. Your retirement savings may be able to do more than fund your future. They could help expand where that future happens. Click the link below to learn how the fund works and request additional information.

    Get Your Portugal Golden Visa Here!

    Optimize August Ad 2

    With political uncertainty growing in the U.S., now is the time to build your Plan B. The Optimize Portugal Golden Visa Fund may let you invest existing IRA assets while pursuing Portuguese residency for you and your family. Don’t wait until you need an escape plan to create one. Click below to learn more and request information.

    Get Your Portugal Golden Visa Here!


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

    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

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

    Follow us:

    • Queer Money Instagram
    • Queer Money YouTube
    • Queer Money on Tiktok
    • Connect with John on LinkedIn
    • Connect with David on LinkedIn

    Download your FREE Queer Money Kickstarter a 9-step Guide to Kickstart Your Journey to Financial Independence

    Mentioned in this episode:

    It's time to create your retirement abroad plan

    What if your retirement plan included a backup plan outside the United States? The Optimize Portugal Golden Visa Fund may give you the opportunity to invest existing IRA assets while also pursuing residency in Portugal for you and your family. That could mean greater flexibility, access to living and potentially working in Portugal, and a pathway to spending more time throughout Europe. Your retirement savings may be able to do more than fund your future. They could help expand where that future happens. Click the link below to learn how the fund works and request additional information.

    Get Your Portugal Golden Visa Here!

    Optimize August Ad 2

    With political uncertainty growing in the U.S., now is the time to build your Plan B. The Optimize Portugal Golden Visa Fund may let you invest existing IRA assets while pursuing Portuguese residency for you and your family. Don’t wait until you need an escape plan to create one. Click below to learn more and request information.

    Get Your Portugal Golden Visa Here!


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

    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.

    Follow us:

    • Queer Money Instagram
    • Queer Money YouTube
    • Queer Money on Tiktok

    Download your FREE Queer Money Kickstarter a 9-step Guide to Kickstart Your Journey to Financial Independence

    Mentioned in this episode:

    It's time to create your retirement abroad plan

    What if your retirement plan included a backup plan outside the United States? The Optimize Portugal Golden Visa Fund may give you the opportunity to invest existing IRA assets while also pursuing residency in Portugal for you and your family. That could mean greater flexibility, access to living and potentially working in Portugal, and a pathway to spending more time throughout Europe. Your retirement savings may be able to do more than fund your future. They could help expand where that future happens. Click the link below to learn how the fund works and request additional information.

    Get Your Portugal Golden Visa Here!

    Optimize August Ad 2

    With political uncertainty growing in the U.S., now is the time to build your Plan B. The Optimize Portugal Golden Visa Fund may let you invest existing IRA assets while pursuing Portuguese residency for you and your family. Don’t wait until you need an escape plan to create one. Click below to learn more and request information.

    Get Your Portugal Golden Visa Here!


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

    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

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

    Follow us:

    • Queer Money Instagram
    • Queer Money YouTube
    • Queer Money on Tiktok

    Download your FREE Queer Money Kickstarter a 9-step Guide to Kickstart Your Journey to Financial Independence

    Mentioned in this episode:

    Optimize August Ad 2

    With political uncertainty growing in the U.S., now is the time to build your Plan B. The Optimize Portugal Golden Visa Fund may let you invest existing IRA assets while pursuing Portuguese residency for you and your family. Don’t wait until you need an escape plan to create one. Click below to learn more and request information.

    Get Your Portugal Golden Visa Here!

    It's time to create your retirement abroad plan

    What if your retirement plan included a backup plan outside the United States? The Optimize Portugal Golden Visa Fund may give you the opportunity to invest existing IRA assets while also pursuing residency in Portugal for you and your family. That could mean greater flexibility, access to living and potentially working in Portugal, and a pathway to spending more time throughout Europe. Your retirement savings may be able to do more than fund your future. They could help expand where that future happens. Click the link below to learn how the fund works and request additional information.

    Get Your Portugal Golden Visa Here!


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

    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.

    Follow us:

    • Queer Money Instagram
    • Queer Money YouTube
    • Queer Money on Tiktok

    Download your FREE Queer Money Kickstarter a 9-step Guide to Kickstart Your Journey to Financial Independence

    Mentioned in this episode:

    It's time to create your retirement abroad plan

    What if your retirement plan included a backup plan outside the United States? The Optimize Portugal Golden Visa Fund may give you the opportunity to invest existing IRA assets while also pursuing residency in Portugal for you and your family. That could mean greater flexibility, access to living and potentially working in Portugal, and a pathway to spending more time throughout Europe. Your retirement savings may be able to do more than fund your future. They could help expand where that future happens. Click the link below to learn how the fund works and request additional information.

    Get Your Portugal Golden Visa Here!

    Optimize August Ad 2

    With political uncertainty growing in the U.S., now is the time to build your Plan B. The Optimize Portugal Golden Visa Fund may let you invest existing IRA assets while pursuing Portuguese residency for you and your family. Don’t wait until you need an escape plan to create one. Click below to learn more and request information.

    Get Your Portugal Golden Visa Here!


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

    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

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

    Follow us:

    • Queer Money Instagram
    • Queer Money YouTube
    • Queer Money on Tiktok

    Download your FREE Queer Money Kickstarter a 9-step Guide to Kickstart Your Journey to Financial Independence

    Mentioned in this episode:

    It's time to create your retirement abroad plan

    What if your retirement plan included a backup plan outside the United States? The Optimize Portugal Golden Visa Fund may give you the opportunity to invest existing IRA assets while also pursuing residency in Portugal for you and your family. That could mean greater flexibility, access to living and potentially working in Portugal, and a pathway to spending more time throughout Europe. Your retirement savings may be able to do more than fund your future. They could help expand where that future happens. Click the link below to learn how the fund works and request additional information.

    Get Your Portugal Golden Visa Here!

    Optimize August Ad 2

    With political uncertainty growing in the U.S., now is the time to build your Plan B. The Optimize Portugal Golden Visa Fund may let you invest existing IRA assets while pursuing Portuguese residency for you and your family. Don’t wait until you need an escape plan to create one. Click below to learn more and request information.

    Get Your Portugal Golden Visa Here!


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

    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.

    Follow us:

    • Queer Money Instagram
    • Queer Money YouTube
    • Queer Money on Tiktok

    Download your FREE Queer Money Kickstarter a 9-step Guide to Kickstart Your Journey to Financial Independence

    Mentioned in this episode:

    It's time to create your retirement abroad plan

    What if your retirement plan included a backup plan outside the United States? The Optimize Portugal Golden Visa Fund may give you the opportunity to invest existing IRA assets while also pursuing residency in Portugal for you and your family. That could mean greater flexibility, access to living and potentially working in Portugal, and a pathway to spending more time throughout Europe. Your retirement savings may be able to do more than fund your future. They could help expand where that future happens. Click the link below to learn how the fund works and request additional information.

    Get Your Portugal Golden Visa Here!

    Optimize August Ad 2

    With political uncertainty growing in the U.S., now is the time to build your Plan B. The Optimize Portugal Golden Visa Fund may let you invest existing IRA assets while pursuing Portuguese residency for you and your family. Don’t wait until you need an escape plan to create one. Click below to learn more and request information.

    Get Your Portugal Golden Visa Here!


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

    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.

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

    Follow us:

    • Queer Money Instagram
    • Queer Money YouTube
    • Queer Money on Tiktok

    Download your FREE Queer Money Kickstarter a 9-step Guide to Kickstart Your Journey to Financial Independence

    Mentioned in this episode:

    It's time to create your retirement abroad plan

    What if your retirement plan included a backup plan outside the United States? The Optimize Portugal Golden Visa Fund may give you the opportunity to invest existing IRA assets while also pursuing residency in Portugal for you and your family. That could mean greater flexibility, access to living and potentially working in Portugal, and a pathway to spending more time throughout Europe. Your retirement savings may be able to do more than fund your future. They could help expand where that future happens. Click the link below to learn how the fund works and request additional information.

    Get Your Portugal Golden Visa Here!

    Optimize August Ad 2

    With political uncertainty growing in the U.S., now is the time to build your Plan B. The Optimize Portugal Golden Visa Fund may let you invest existing IRA assets while pursuing Portuguese residency for you and your family. Don’t wait until you need an escape plan to create one. Click below to learn more and request information.

    Get Your Portugal Golden Visa Here!


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

    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.

    Follow us:

    • Queer Money Instagram
    • Queer Money YouTube
    • Queer Money on Tiktok

    Download your FREE Queer Money Kickstarter a 9-step Guide to Kickstart Your Journey to Financial Independence

    Mentioned in this episode:

    Optimize August Ad 2

    With political uncertainty growing in the U.S., now is the time to build your Plan B. The Optimize Portugal Golden Visa Fund may let you invest existing IRA assets while pursuing Portuguese residency for you and your family. Don’t wait until you need an escape plan to create one. Click below to learn more and request information.

    Get Your Portugal Golden Visa Here!

    It's time to create your retirement abroad plan

    What if your retirement plan included a backup plan outside the United States? The Optimize Portugal Golden Visa Fund may give you the opportunity to invest existing IRA assets while also pursuing residency in Portugal for you and your family. That could mean greater flexibility, access to living and potentially working in Portugal, and a pathway to spending more time throughout Europe. Your retirement savings may be able to do more than fund your future. They could help expand where that future happens. Click the link below to learn how the fund works and request additional information.

    Get Your Portugal Golden Visa Here!


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