rich & REGULAR with Kiersten and Julien Saunders

Latest Episodes:

Ep 123: AI Financial Tools Aug 14, 2023

Show notes

AI is everywhere — and it’s likely to impact our financial life sooner rather than later. How will it affect how you spend, invest and manage finances now and in the future?

Julien and Kiersten weigh the good and bad of AI financial tools: giving you a new perspective that’s taking over your wallet faster than fire. In this week’s episode of Rich & REGULAR, we look into how AI is affecting fraud detection, budgeting apps, and how banks and credit card companies determine your credit worthiness.

AI could enhance your financial experience as a consumer - but it could also enhance our human flaws. What does that REALLY mean? Where can consumers stay open-minded even with the inevitable flaws AI could have? How do B2B tools help companies detect fraud across industries? How personal can financial advising get? And why is it important to understand AI now? This episode attempts to answer those questions.

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Ep 122: How Climate Change affects Real Estate Investments Aug 07, 2023

Show notes

You’ve seen the headlines: rising sea levels, fires, both the rainiest and driest summer on record depending on where you live. Weather is becoming hotter and more volatile and it’s having profound impact on our real estate investment properties. Julien and Kiersten acknowledge that financial value of property in places affected by climate change are dropping, yet everything is getting more expensive - with Florida topping that list. In this week’s episode of Rich & REGULAR, we look into the real implications of real estate investing, home ownership, and climate change.

From protecting your ROI to investigating insurance companies who aren’t on your side, we delve into how to evaluate climate resilience on your investments to prep yourself for the best possible chance of withstanding any natural disaster. We’ll share tips on maintaining solid home owners insurance, where to to look for property, why you should diversify your property portfolio, and why you should be collaborating with policy makers and communities. Now is the time to act to protect your property investment.

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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 121: Mid-Year Review: Financially Conquer the Second Half of the Year Jul 31, 2023

Show notes

We’re halfway through the year, and there is no better time to ask, "What can I do to finish the year financially strong?" With the federal interest rate already being raised 3 times this year, Julien and Kiersten acknowledge that many listeners are probably feeling financially squeezed, and emphasize the importance of understanding the underlying reasons behind it. In this week’s episode of Rich & REGULAR we delve into the "why" rather than the "how," exploring the trends and cultural shifts that might be impacting your budget and offering strategic solutions to overcome financial challenges for the rest of 2023.

From tipping to junk fees and interest rates, these factors can create unforeseen financial pressures. Now is a great time to take a moment to revisit financial goals. Are they still relevant? Have priorities shifted? By reevaluating your objectives, you can ensure that your financial decisions align with your aspirations for the second half of the year. By being proactive, strategic, and reflective, you can make the necessary changes to overcome financial challenges and set yourself up for a successful year ahead. Now is the time to make the second half of the year a season of financial empowerment and growth!

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 120: Why You Should Consider a Traincation Jul 24, 2023

Show notes

As the cost of travel continues to soar and flights become increasingly expensive, a surprising alternative is gaining traction and capturing the attention of wanderlust-stricken adventurers…traincations! Trains, once overlooked in favor of airplanes, are experiencing a renaissance, thanks to remarkable enhancements in the rail industry and a desire for more affordable and experiential journeys. This week on Rich & REGULAR, Kiersten and Julien delve into the reasons why train travel is making a remarkable comeback, how the United States fares in comparison to the rest of the world, and the pros and cons of opting for a train journey over flying.

With summer travel in full swing, many adventurers are rediscovering the allure of road trips and, in the process, realizing they had forgotten about the wonders of train travel. Amidst the escalating costs of flights, it's no wonder that people are seeking alternatives that offer both savings and an opportunity to embrace the journey itself. Tune in to hear the Saunders break down why a traincation could be a fit for your next trip. You might just find yourself wondering, why not consider the train and rediscover the joy of the journey?

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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119: Big Changes to Your 401k Jul 17, 2023

Show notes

Have you heard about the new legislative changes to 401ks? Tune in to Rich & REGULAR this week as Kiersten and Julien dive into the remarkable changes that are set to revolutionize your 401k. Discover the background behind these transformative shifts and gain valuable insights about your 401k options looking forward. The Saunders’ break down the significance of these changes and the impact they will have on your financial future.

Auto-enrollment, student loan incentives, benefits to part-time workers…the wide variety of changes to 401ks will have an impact on many savers. Change can be overwhelming but listeners are in good hands as Julien and Kiersten share how to navigate the complexities of these new regulations. Knowledge is power and after listening to this week’s episode, listeners can confidently embrace these transformative shifts and harness their potential to enhance retirement savings.

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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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118: Dividend Investing Jul 10, 2023

Show notes

What in the world is dividend investing and how is it like cookie dough? In this week’s episode of Rich & REGULAR, Kiersten and Julien delve into the concept of dividends, exploring what they are, the reasons behind their popularity, the criticism they face, and how they can fit into your financial strategy. With patience and purpose, dividend investing can be a great contribution to your portfolio.

So tune in to get some clarity on dividend investing to discover if this is a fit for your overall investment goals. After hearing Julien and Kiersten’s helpful insight, will you choose to embrace dividends or approach them with caution? The power to shape your investment strategy is in your hands. Until next time, happy investing!

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The Little Book of Common Sense Investing by John Bogle

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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117: The Lottery Dilemma: Luck or Loss? Jul 03, 2023

Show notes

Join the Saunders in this week’s episode of Rich & REGULAR as they delve into the world of the lottery. Discover where the funds go, face the staggering odds of winning, and gain insights into the dark side of gambling addiction as well as resources for help. From examining the impact of lottery funds on communities to sharing their thoughts on the pursuit of jackpots, Kiersten and Julien cover it all.

Tune in to this thought-provoking episode to learn more about the lottery's impact, the allure that attracts participants, and the importance of responsible engagement with games of chance. Unveil the gamble and discover the insights necessary to make informed decisions regarding the lottery and its potential effects on our financial lives.

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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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116: Enjoying Financial Freedom with Passive Income Jun 26, 2023

Show notes

This week on Rich & REGULAR, Kiersten and Julien delve into the intriguing world of passive income, exploring its differences from active income and why it holds significant importance in our financial journey. They address some of the biggest misperceptions surrounding passive income and debunk myths often surrounding passive income. Drawing from their own experiences, the Saunders shed light on the varying levels of passive income sources and related upkeep and time investment.

Tune in this week to hear insights and guidance for how to navigate the realm of passive income effectively and explore the possibilities and potential it holds for financial freedom. Passive income is a concept often misunderstood, which hinders many individuals from incorporating it into their financial portfolios. Whether you're a novice or have some familiarity with the concept, Kiersten and Julien's expertise and personal experiences will inspire you to reconsider your approach to financial independence and uncover the opportunities that lie within the realm of passive income.

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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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115: Cashing Out - 1 Year Reflections Jun 19, 2023

Show notes

Tune in to a special edition of rich & REGULAR this week to celebrate the one-year anniversary of the launch of Julien and Kiersten's thought-provoking book, "Cashing Out: Win the Wealth Game by Walking Away". They take time this week to reflect on the motivations behind writing their book and how they embarked on the path to publication.

Curious about the financial logistics of book publishing? Julien and Kiersten discuss their experiences writing this book and share how to bring in profit through the publishing process. They also delve into the very essence of their book, which encourages readers to walk away from the conventional pursuit of wealth and instead seek to define success on their own terms. The message and underlying premise of "Cashing Out" continue to resonate strongly, even after one year. The book doesn't shy away from confronting uncomfortable truths.

As they celebrate this milestone, The Saunders also look toward the future. What does the road ahead look like for them in terms of their work? How can listeners also pursue their passions and share them with the world? Tune in for these answers and more!

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Mentions:

Colors podcast episode by RadioLab
The Diversity, Equity & Inclusion Delusion with Deepa Purushothaman episode by Cashing Out
Home tv show on Apple+

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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114: Building Financial Freedom with Communal Living Jun 12, 2023

Show notes

What in the world is communal living? Join Kiersten and Julien in this week’s episode of Rich & REGULAR as they delve into the world of communal living. Discover how these communities operate in ways that foster connection and create a sense of belonging. Gain insights as they break down the various structures that communal living can take, helping listeners understand the difference between communes and roommate situations. Learn about the financial aspects of communal living, including ways to fund it and ensure financial stability.

With an even breakdown of potential pros and cons, uncover the profound impact communal living can have in combating loneliness and fostering intentional living communities of all shapes and sizes. Most of all, how much can you save by participating in communal living? Tune in to hear this answer and more to determine if communal living could be a fit for your own life!

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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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