rich & REGULAR with Kiersten and Julien Saunders

Latest Episodes:

93: Credit Card Balance Transfers Jan 16, 2023

Show notes

Are credit card balance transfers a good thing? While many are struggling with consumer debt at the moment and interest rates are rising, balance transfers can be a good financial choice for some.

Today, Kiersten and Julien talk about what credit balance transfers are, who they’re good for, and what you should be aware of. They discuss fees associated and partial transfers, as well as how promotional periods work and the importance of scheduling payments.

Resources:

All the Hacks podcast
Financial Freedom by Grant Sabatier and his website bankbonus.com
US News rankings
NerdWallet.com

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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92: Medical Tourism Jan 09, 2023

Show notes

Medical tourism continues to grow and is here to stay. Americans are now going to many other countries for treatments, surgeries, prescriptions and more. Kiersten and Julien first heard about medical tourism from a friend who had four prescriptions filled for around $2.50 in Mexico. Other friends traveled to Mexico to have dental work done. A knee replacement in the USA can cost around $40,000, while the price in India is $6,000 - 9,000 and in Singapore around $12,000.

The CDC has an entire webpage dedicated to medical tourism. From a hospitality standpoint, they discuss current advantages to existing in this market, including for airlines and hotels. They also talk about the issues you may encounter abroad.

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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91: Financial Resolutions Jan 02, 2023

Show notes

Most Americans make New Year’s resolutions and 40% are financial goals. Today, Kiersten and Julien discuss three categories of financial activities to meet your goals: organization, protection, and conversations.

They share tips for creating a system to get organized, including: automating savings, updating budgeting apps, and evaluating debt payment. In the new year, look at ensuring your data and accounts are secure and protect yourself against income volatility. And aim to stop avoiding awkward conversations with loved ones about finances. If you’re not into resolutions, think of this as a time to reprioritize and recalibrate your financial goals. Happy new year!

Mentions:

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.

Support rich & REGULAR by sharing and rating us five stars on Apple Podcasts.

See omnystudio.com/listener for privacy information.

90: Aldi Hype Dec 26, 2022

Show notes

Happy holidays! Julien is riding a wave from a recent visit to Aldi grocery store and he and Kiersten are here to share their thoughts on low-cost shopping options. They’ve noticed massive food and grocery inflation over the last couple of months. There’s also a heightened focus on food waste and food insecurity.

Today, they compare the prices between Whole Foods and Aldi, finding many prices to be 40 to 50% off. A downside is that food is often prepackaged there. But buying in larger portions allows you to save per meal while getting delicious food and most people cannot tell the difference between a store and name brand. They discuss the pain points and benefits of shopping at lower costs, including how consumerism doesn't necessarily pay when it comes to brand loyalty

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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89: Surprise Medical Bills Dec 19, 2022

Show notes

Healthcare is a big, complicated subject when it comes to finances. It’s especially nonsensical in the USA, where it’s designed to be intentionally confusing and expensive.

But healthcare is a fundamental part of life. Even if you maintain a healthy lifestyle, we're facing a trifecta of new covid variants, the flu, and RSV this winter. Kiersten and Julien Saunders (@richandregular) don’t want you to be hit with surprise medical costs.This week, they share how they plan for their healthcare expenses and tips on:

How to challenge a medical bill, the dispute process and dealing with insurance reps
Researching before and after care options
Making plans for the future and preventative care

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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88: Great Resignation Dec 12, 2022

Show notes

“Although the number of people quitting their jobs is down from the peak in 2021, it still remains at the highest levels since the 1970s,” says Kiersten Saunders. “The collective American psychology towards work has changed. It's like we collectively experienced this psychological shock.”

Julien and Kiersten dissect the Great Resignation one year later – who quit, why they decided to, and what the impacts have been. Many workers are now taking career pivots and venturing into entrepreneurship, side hustles, online businesses and more, and getting creative with multiple income sources. Employees are also pushing for more freedom and flexibility in their schedules, work locations, and roles.

They also discuss the generational differences between workers, the lack of progress in legislation, how women were disproportionately affected by the pandemic, and shifting social norms around wellness, parenting, and equality.

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

Support rich & REGULAR by sharing and rating us five stars on Apple Podcasts.

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87: Subscription Overload Dec 05, 2022

Show notes

Americans spend $219 per month on subscription services on average. What’s worse – people guess that number is closer to $86 when asked. We used to only have subs for things like newspapers, magazines, gyms, and cable. Now we have streaming services, software, online courses, sports tv, vitamins, razors and more, all of which can erode your budget!

Today, Kiersten and Julien Saunders (@richandregular) are providing tips for auditing and managing subscriptions, lowering and negotiating costs, and simplifying it all. “I dare you to cancel something today,” says Kiersten. “Watch how good it feels – I promise you there's nothing better than knowing that next month they ain't getting your $4.”

Mentions:

Rocket Money (previously Truebill)

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86: Marriage and Money Nov 28, 2022

Show notes

Talk about paying off debt may not be romantic. Money is the leading cause of divorce and separation in the USA. But money and marriage are one of Kiersten and Julien’s favorite topics, it’s woven into their everyday dialogue. Today they’re leading you through their core financial values to guide your thinking, as well as the three obstacles that get in the way of couples achieving their goals.

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85: The Creator Economy Nov 21, 2022

Show notes

More than 50 million people across the world consider themselves content creators. Kiersten and Julien (@richandregular) left the real estate industry to invest more in being creators through podcasting, blogging, making videos, and more. This week they share what the creator economy is and how people are monetizing their online content off platforms like YouTube, Instagram, TikTok, and Patreon. They discuss establishing yourself as an expert online, making relevant content, the earning potential of content creation, and developing brand partnerships.

“6 reasons a couple who retired in their 40s were 'relieved' they sold their rental properties right before the pandemic” on Business Insider

“Julien and Kiersten Saunders: ‘How Much Is Enough?’” on The Long View podcast

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84: Finding your Community and Chosen Family Nov 14, 2022

Show notes

It’s not uncommon for money or economy talk to come up at the Thanksgiving dinner table, which can result in heated disagreements with loved ones. Money is complicated and people can be irrational about it. Family can become defensive when talking about financial plans or make you second guess your own understanding and decision making.

Meeting like-minded people is one of the best investments you can make in your financial future. Community has been a secret weapon for Kiersten and Julien (@richandregular) – a place to ask questions and get real-life advice about everything from debt payoff to wealth building. This week they discuss ways to find community online and in person, and the benefits of growing your social and support circle.

Resources:

Cashing Out: Win the Wealth Game by Walking Away (book) by Julien Saunders, Kiersten Saunders
Financial Independence, Retire Early (FIRE) Explained: How It Works
Direct Deposit (podcast) on Audible
Watch The White Lotus on HBO!

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