rich & REGULAR with Kiersten and Julien Saunders

Latest Episodes:

Ep 143: The top stories that will impact your money in 2024 Jan 01, 2024

Show notes

This episode is about three stories that will change the way you invest, spend, and earn your money in 2024. They aren't predictions, but trends that are already happening and will likely continue. We start by reviewing what happened in 2023 and how it changed our perspective on money. Then we go into the first story, which is how the stock market was dominated by the Magnificent Seven tech stocks, thanks to their innovation and scale. The second story is about how fintech and buy now, pay later options have transformed the way we spend money. The third story is about how AI, artificial intelligence, will affect the future of work.

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Takeaways:
- The Magnificent Seven tech stocks drove the stock market performance in 2023, showing the power of AI and technology.
- Fintech and buy now, pay later options changed our consumer spending habits, leading to new ways of borrowing and lending that are more convenient and flexible, but also more risky and addictive
- AI will have a major impact on the future of work, with potential job disruptions and changes in hiring and evaluation processes.
- AI will impact the job market, affecting the types and hiring processes of jobs.
- Refining our online presence, such as having a complete LinkedIn profile, is important
- Building AI literacy is essential for staying competitive in the job market.
- Using AI in your current jobs can increase our productivity and value.
- Using AI in job searches can automate application processes and save time.
- It is important to use AI with moderation and add a human touch to maintain our authenticity.

Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.

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Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by Forbes
If you would like to learn more about investing, check out our newest class, Making Money Grow

Ep 142: How we paid off $200K in debt Dec 25, 2023

Show notes

If paying down debt is one of your 2024 goals, this episode is for you. This week we're telling the story of the greatest gift we've ever given ourselves - debt freedom. We paid off $200,000 in five years, but that's not the whole story or the most interesting part. In this episode, we explore the emotional impact of debt, the different approaches to debt payoff, and the role of shame and regret in debt payoff. We also discuss the need to anticipate setbacks in the debt payoff journey, and how building financial resilience provides a sense of comfort and confidence during challenging times.
Links:

Bankrate Survey about 2024 Financial Goals

KeyTakeaways

Debt can have a significant emotional impact, leading to feelings of shame, regret, and hopelessness. It is important to address these emotions and develop a positive mindset.
Debt payoff advice is not one size fits all. The type of debt and personal circumstances can influence the best approach to debt payoff.
Living below your means and enjoying it is key to sustainable debt payoff. It is important to find a balance between saving and enjoying life.
Anticipation and milestones play a significant role in debt payoff. Celebrating small victories and setting clear goals can provide motivation and keep you on track.
Building financial resilience through debt payoff provides comfort and confidence during challenging times.
Embrace a range of emotions throughout the debt payoff process, rather than solely focusing on happiness.
Investment growth may not provide the same level of fulfillment as the debt payoff journey.
Stay hopeful and motivated on the journey to financial freedom.

Ep 141: Sober Curious - Lessons from 3 years of drinking less Dec 18, 2023

Show notes

If you want help cutting back on drinking using neuroscience, try the Reframe App for free with a 1-month trial using Julien's referral link.
A few years ago, we decided to experiment with drinking less alcohol and participated in Dry January. It was supposed to be a one-time thing but it changed how we think about alcohol. We were surprised by how much money we saved and how much better we felt and realized we were part of a larger movement of people who were questioning their relationship with alcohol and finding new ways to enjoy life without it.
Sober curiosity has not only been good for our finances, but also for our health, energy, and happiness. In this episode, you’ll learn that sometimes the best things in life are not the ones you can measure and predict, but the ones you can explore and experience. If you have drinking less as one of your 2024 New Year’s Resolutions, this episode is for you.

Here are the main points:

- Sober curiosity is a trend that can save you money and make you happier.
- It's driven by changing preferences, health awareness, and cannabis alternatives.
- It's not easy, but it's rewarding. You need support and role models to succeed.
- It can improve your quality of life in ways you can't anticipate. You have to be curious and open-minded to find out.

Ep 140: Does sharing your salary help you earn more? Dec 11, 2023

Show notes

This week, we're talking about pay transparency, its importance, generational differences, cultural shifts, and the impact on the workforce.
The conversation delves into the top-down and bottom-up approaches to pay transparency, the role of social media, and the power struggle surrounding this controversial issue.

Takeaways

Pay transparency is an important issue that is evolving and impacting the workforce.
Generational differences exist in attitudes towards pay transparency, with younger generations being more open to sharing salary information.
There is a power struggle surrounding pay transparency, as those in power may resist giving up control.
Navigating both pay transparency and opacity requires careful consideration of company policies, personal grading, and trust in sharing salary information.
Change is slow, and it is important to be prepared for both pay transparency and opacity in the workplace.

Ep 139: Big changes coming to the podcast Dec 04, 2023

Show notes

Things are changing! In this episode, we're announcing some news and turning the page on a new chapter of the rich & REGULAR podcast. We love you and hope you'll continue to support us through this transition to this exciting next phase. Onward!
Connect with us:
Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.
Get our book Cashing Out: Win the Wealth Game by Walking Away
If you would like to more about investing, check out our newest class, Making Money Grow

Ep 138: Tips To Avoid Holiday Overspending Nov 27, 2023

Show notes

Every holiday season, Americans seem to break a new record for spending - but this year it's different. Whether you're Grinch-adjacent like Julien or grew up more like Kiersten whose Super Bowl was Black Friday, they've got tips to stop holiday overspending for all levels. It's all about shifting where you spend -- making sure each gift packs a punch, and making more memorable moments rather than making the focus be the gift itself. Changing your mindset of gift-giving and receiving could be the answer you've been looking for. Julien and Kiersten have tips for the best methods backed by statistics.

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Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.

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Ep 137: Crafting Your Money Story Nov 20, 2023

Show notes

Don’t miss this week’s episode of Rich & REGULAR as Julien and Kiersten share insights on taking control of your financial story. They stress that you're the ultimate authority in your financial journey, and a money story goes beyond mere numbers—it's about the beliefs shaping your decisions. From investments to spending habits, this narrative influences everything. The goal is to cultivate a money story rooted in a healthy relationship with finances, empowering you to reach your financial goals. Tune in for tips on rewriting your money story, shedding old beliefs, and constructing new ways of thinking about money. The Saunders make it clear: you're in control of crafting your own money story, offering a positive perspective on financial well-being.

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Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.

Leave us a tip! Support rich & REGULAR by rating and reviewing on Apple Podcasts.

See omnystudio.com/listener for privacy information.

Ep 136: Breaking Free from Financial Neglect Nov 13, 2023

Show notes

In this week’s episode of Rich & REGULAR, Julien and Kiersten are tackling the pricey consequences of financial neglect. No sugarcoating here— it can cost you big time. But fear not, they’ve got the playbook to turn things around. The Saunders are dishing out ways to dig yourself out of debt and find solutions. Breaking those bad financial habits? Yeah, it's gonna take some effort, but they’ve got your back. Tune in and dive into the nitty-gritty, stressing the need to get to the root cause. Learn from the experiences of others, get curious about fixing the problem, and let's kick financial neglect to the curb together!

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Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.

Leave us a tip! Support rich & REGULAR by rating and reviewing on Apple Podcasts.

See omnystudio.com/listener for privacy information.

Ep 135: Midlife Money Moves: Investing Wisdom for Financial Security Nov 06, 2023

Show notes

Don’t miss this week’s episode of Rich & REGULAR as Julien and Kiersten delve into essential advice on midlife investing strategies. They offer valuable insights on securing financial stability, emphasizing the significance of safeguarding assets and making strategic decisions. The Saunders discuss the critical aspect of risk tolerance and underscore the importance of mastering financial fundamentals. They share ways to diversify retirement options in order to alleviate future financial stress, highlighting the need to balance long-term and short-term investment goals. Listeners can expect a wealth of knowledge on financial planning and considerations while in your midlife stage. Be sure to tune in!

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Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.

Leave us a tip! Support rich & REGULAR by rating and reviewing on Apple Podcasts.

See omnystudio.com/listener for privacy information.

Ep 134: Debunking 5 Common Myths with Women + Investments Oct 30, 2023

Show notes

Are women afraid of financial risk? Tune in this week to Rich & REGULAR as Kiersten and Julien debunk 5 common myths surrounding women and investing. The historical narrative between women and investing is undergoing a transformative and exciting shift, proving that now more than ever, women are engaging in investment ventures, dismantling misconceptions about their abilities and inclinations in financial markets. With an increasing array of educational resources, women are learning to navigate investments independently, challenging the belief that they lack the skill to delve into financial markets. Don’t miss this week as the Saunders help reshape the narrative, encouraging more women to take control of their financial destinies with confidence and determination.

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Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.

Leave us a tip! Support rich & REGULAR by rating and reviewing on Apple Podcasts.

See omnystudio.com/listener for privacy information.

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