rich & REGULAR with Kiersten and Julien Saunders

Ep 189: Underconsumption explained: How to live below your means and love it Nov 18, 2024

This week, we’re unpacking the surprisingly trendy world of underconsumption. Is it a Gen Z TikTok trend? A millennial coping mechanism? A wise old soul's secret weapon? The answer is YES to all of the above.

In this episode, we cover:

How to avoid overspending this holiday season on food and gifts. We even share our hard-won lessons on dealing with impulsive buying, managing the expectations of our loved ones, and teaching our son to approach spending with intention (no, we didn't always get it right, but boy, have we learned!)

YOLO vs. YONO: Say goodbye to "You Only Live Once" and hello to "You Only Need One." We explore the global shift towards intentional purchasing, and how it's impacting everything from fashion to finances. (And yes, we do discuss the implications of the impending tariffs on that Zara haul you've been eyeing…)

The Price vs. The Cost: That cute little $25 item from TikTok Shop? It might cost you more in stress, maintenance, and anxiety than you think. We discuss the psychological (and very real!) costs of buying the "nice" stuff.

Hedonic Adaptation: The science of why buying more doesn't always lead to more happiness. We are not our things and learning this will actually save you money and the planet.

Key takeaways (because your time is valuable):

Underconsumption is a lifestyle, not a trend
Re-evaluate your values. Do the math
Soup is not just for sick people (or soup kitchens)
Embrace the power of the "thoughtful no"
Quality over quantity (even with those darn shoes that don't last!)
Pouches are the future. Get you a pouch.

Join us for a funny, insightful, and deeply satisfying conversation about changing your relationship with your stuff. It might just be the best self-care you do all year.

Links:
- The enshittification of everything
- Self-gifting messaging is set to dominate Black Friday ads
- The kitchen tech we use to make cooking at home so much easier

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 188: The political divide is more than just red vs. blue Nov 11, 2024

This week, we’re unpacking the raw emotions and anxieties that followed the recent election. We explore the stark reality of a country deeply divided, not just politically, but also in terms of our visions for the future.

This election wasn't just about who won. It was about a country that, frankly, feels more like it's been severed in half than unified.

It’s a deep, messy reality and we question the easy labels and simplistic narratives that often dominate the political conversation.We explore the real, human stories behind the red and the blue and ask some tough questions about how to move forward with a more nuanced understanding of our political landscape.

Lastly, we talk about the pressures of a society driven by consumption, and how it can create a disconnect between those who have “too much” and those who don’t, which leaves many feeling left behind, overwhelmed, and unheard.

If you’re ready for a conversation that goes beyond the surface, tap in for an honest, critical look at the state of our nation and how we can find a way to make meaningful progress together.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 187: The 2024 Presidential Election and the Price of Everything Nov 04, 2024

It’s 2024, and inflation is the number one concern for voters. Today we’re unpacking both candidates' distinct approaches to addressing it.

We discuss Kamala Harris's and Donald Trump's plans for tackling the rising cost of living, taking a closer look at their proposals and the underlying political and economic philosophies that drive them. Prepare yourself for an interesting and honestly, maybe slightly frustrating, discussion of how the election could impact your wallet and your future.

This isn't just a run-through of policy papers. We're talking about how these candidates are choosing to frame the fight against inflation, the cultural anxieties it reflects, and the real-world impact these choices will have on your everyday life.

This election feels a lot like dating. Both candidates have got their "selling points", but it's up to you to decide what you're actually looking for in a long-term relationship and what kind of future you want to build together. Looking beyond inflation, this is a defining and consequential election. Your vote matters. Stay informed, stay engaged, and make your voice heard.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 186: Preparing for a different life with Dr. Preston Cherry Oct 28, 2024

In this special solo episode, Julien and Dr. Preston Cherry discuss the intersection of financial planning and personal well-being. Dr. Cherry brings a unique perspective and combines the rigor of financial expertise with the nuanced understanding of a therapist. He's here to tackle those awkward conversations with your partner about finances, the "financial harmony" that's more than just a feel-good buzzword, and how to find true satisfaction in a world obsessed with wealth.
Dr. Cherry knows the struggle is real for the sandwich generation - those of us juggling the demands of raising kids while supporting aging parents. He offers some guidance for having complex financial conversations with grace and clarity, and strategies for finding balance and ensuring that your own financial needs are met alongside those of your family.
This episode is also important for anyone preparing for parenthood - it's not just about diapers and baby formula. We're talking about investing in your future, valuing your own worth (beyond just your paycheck), and finding ways to make sure your children inherit more than just a pile of bills.

Helpful Links:

Diversity among financial planners improved in 2021 — but it still remains overwhelmingly white and male
Follow Dr. Preston Cherry on his website, Instagram, and YouTube
Get his book: Wealth in the Key of Life

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 185: ‘The Quick Dip’ | Cord Cutting, Social Security, and the Stock Market Oct 21, 2024

This week, we're returning to our "Quick Dip" format, where we explore three timely topics, giving you the need-to-know without the fluff.
First up, is cord-cutting still worth it? Julien shares his long history of cord-cutting, which began long before he met Kiersten, and she shares her own journey to embracing a cable-less lifestyle. We discuss the pros and cons of traditional cable versus streaming, and how the streaming wars have made cord-cutting more complex than ever. But, ultimately, we agree that cord cutting can still be a smart move, especially if you can resist the urge to buy into all the bells and whistles.
Next, we discuss the recent 2.5% Social Security cost-of-living adjustment (COLA) and how it might not be enough for seniors to keep up with rising costs, especially in healthcare. It’s a reminder that Social Security is often overlooked as a critical part of personal finance and more of us should be having better conversations about money with loved ones who rely on it.
Finally, we check in on the stock market. We break down the current state of the market, talk about the importance of diversification, having an exit strategy, and getting caught up in the hype.
This episode is packed with actionable tips and insights that can help you handle your next financial decisions with confidence.
Links:

2024 Medicare Quick Reference Guide (via Nuveen)
Mark Cuban’s drug company: https://costplusdrugs.com/
Episode 92: Medical Tourism
Episode 105: Planning for your retirement

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 184: How to automate your savings (and finally get ahead) Oct 14, 2024

This episode is for anyone who's ever said, "I wish I could just save more money" because we're spilling the tea on how it’s done (and more specifically, how to automate it)
PAY YOURSELF FIRST. Yes, it sounds simple, but it's the kind of simple that's surprisingly difficult to pull off when you're battling bills, student loans, and a dozen ads featuring the latest shiny thing every time you look up. That's where automation comes in. We're talking about setting up systems that make saving money a habit, not a chore.

We'll break down why "pay yourself first" isn’t just another cheesy motivational slogan, 4 different ways to automate your savings and investments, how you can use your raises and windfall money to your advantage, and a way to apply ‘pay yourself first’ to your everyday expenses that can actually lead to major savings.

Links:

Sign up for Acorns today
Episode 154 - Why you need a plan for unexpected “windfall” money
Episode 97 - Modern Couponing

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 183: The "Great Salary Reset" and the do’s and don’ts of taking a pay cut Oct 07, 2024

This week, we're unpacking the murky waters of pay cuts and those awkward conversations where your boss wants you to do the same work for less. It's an increasingly common brutal reality, but you don't have to just roll over and take it.
We explore the different types of pay cuts: those forced upon you (like when you're forced back into the office) and those you choose (like a lateral move for experience). We'll also get real about the sneaky ways pay cuts happen – from slow-burning merit-based cuts to outsourcing key departments and roles.
Tune in for advice on:

The myth of the "Great Salary Reset": Why pay cuts are not a correction but a reflection of power dynamics
What to start doing when your job wants less from you, and how to protect yourself from getting played
The importance of building a backup plan for financial stability when pay cuts are the only option
The new portfolio career: Learning how to pivot and reinvent yourself in this economy

Links:

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 182: Cashing In: NIL and the New Business of Being a College Athlete Sep 30, 2024

This week we're diving into the world of NIL, or Name, Image, and Likeness, and how this new, HUGE opportunity will impact youth sports.
Think you're not impacted by NIL? Think again! This episode is for athletes, parents, coaches, and anyone who wants to understand how NIL is changing the game. And if you've got a kid with any sort of athletic talent, this is definitely a conversation you need to be having.
The point is - this ain't your mama's college experience. This is about financial freedom, brand building, and how college athletes are finally getting a piece of the pie they've been baking for years.
It's time to forget those old-fashioned ideas about college athletes just being "students," because the NCAA's amateur "student-athlete" model is DONE. It's a whole new game and we're here to help you play it.
We're covering:

NCAA got served: The landmark ruling that shook up college athletics and opened the door for athletes to cash in on their own name, image, and likeness.
Why we're so intrigued by this: It all started with our son, and it's a real-life lesson in how to think differently about money, branding, and the future of sports.
The BIG picture: This is about billion-dollar industries, the NCAA's outdated model, and evolving from a labor rights issue to a civil rights issue (spoiler alert: opinions don’t matter)
The power shift: It's not just about the big names anymore. We're showing how even "average" athletes can leverage NIL to create a side hustle, a side gig, or even a full-blown business.
Real-world examples: we share a story about what happened when we posted sports content featuring our son and give you practical tips on how to negotiate your own deals.
The future of sports: We're forecasting the coming age of athlete-owned brands, semi-pro leagues, and even NIL scholarships

Links:

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 181: The No-Hustle Side Hustle: Finding Joy & Freedom in Your Side Gig Sep 23, 2024

We’re all familiar with the pressure to make extra cash, but what if your side hustle wasn't just extra work, but an opportunity to tap into your existing skills? This week we’re discussing long-term side hustles with one of Kiersten’s best friends, Lauren.

Lauren's side hustle (teaching fitness classes) evolved into a passion project that fuels her spirit and keeps her bank account healthy. In fact, after 12 years, it’s been the longest "job" she's ever had, and it's helped her weather some major life storms. From lay-offs to breakups, Lauren's side hustle has provided a solid safety net and a healthy nest egg, giving her the financial freedom to handle the ups and downs of her 9-to-5 career in marketing.

This episode is for anyone who's been hesitant to start a side hustle or feels like it's just another impossible thing on their long to-do list. Lauren’s story illustrates how earning income outside a traditional job with intention can change your life, one gig at a time.

What you'll learn:

The "Passion Project" as a Profitable Path: How Lauren’s side hustle wasn't just about the money, but about creating a space where she felt alive. This unlocked a sustainable way to make money while doing what she loved.
Navigating the "Hustle": We talk about approaching side hustles in a way that doesn't burn you out and allows you to prioritize your mental well-being. Lauren offers some tips on setting boundaries and creating systems that work for you.
The Shifting Landscape of Work: How the digital age is changing the way we think about work, and why a portfolio career might be the future.
Monetizing Your Skills: Lauren’s story highlights the importance of understanding your strengths and identifying any skill gaps that need to be addressed. This self-awareness can help you narrow down the side hustle that's right for you and create a long-term, fulfilling path to success.

Links:

Follow Lauren on Instagram

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 180: Decoding Consumerism | Dr. Marcus Collins on How Culture Impacts Our Spending Sep 16, 2024

Do you ever wonder why you buy things you don't need? This episode explores the fascinating (and sometimes alarming) ways culture shapes our budgets. We’re talking to Dr. Marcus Collins, who is a scholar of the hidden messages of consumption, a marketing professor at University of Michigan's Ross School of Business, and the author of For The Culture.
He takes us on a journey into the heart of consumerism, explaining how brands create religions, how the people we admire influence our spending, and how we can all become more conscious consumers. It's a hilarious, insightful, and maybe even a little uncomfortable look at the invisible cultural forces that are impacting our spending.

Dr. Collins helps us understand:

How the "consecration" of brands shapes our spending: We're not just buying products, we're investing in a sense of belonging, an identity, a belief system. Think of it as the "gospel of consumerism”
The power of "our people": Dr. Collins breaks down the phenomenon of social proof and how the people we admire, the groups we identify with, and the trends we follow, all play a huge role in our spending.
The illusion of financial freedom: Dr. Collins reveals how the "keeping up with the Joneses" mentality and our unconscious cultural programming can leave us feeling trapped, even when we have the right information.
Navigating the cultural landscape: Dr. Collins offers tools and insights to help us become more conscious consumers, make more intentional spending decisions, and build a financial future that aligns with our own values.

You'll walk away from this episode with a deeper understanding of the unseen forces influencing your spending, equipped to see through the "noise" of cultural marketing and branding, and empowered to break free from the unconscious influence of cultural norms.

Links:

Get Dr. Marcus Collin’s book For the Culture
Visit his website and follow him on Instagram

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 179: F.I.R.E. For Dummies with Jackie Cummings Koski Sep 09, 2024

This week, Jackie Cummings Koski, author of "F.I.R.E. For Dummies," sits down with us to share her personal experience and offer some wisdom for anyone, no matter how late they are in the game, to begin building their financial future.

This episode isn't your typical FIRE fantasy. As a Black, divorced, single mom who retired with $1.3 million at age 49, Jackie's got the receipts and the real talk about what it looks like to navigate personal finances when your story is a little more complicated than the usual "quit your job, sail the world" narrative.

Jackie’s story is one of resilience, of taking on the challenge of reaching back to help your family when you're the first one to make it, and even more importantly, it's a story of recognizing that you have time on your side, even when you are a late starter.

We discuss:

The Great Un-Representation: Why the financial world needs more diverse voices, and especially more Black women, in the conversation.
From "F.I.R.E. For Dummies" to Family Dinners: How the psychological aspects of money shape our choices, and why helping those closest to you often means reaching back instead of up.
The Truth About Social Security: Jackie breaks down the reality of Social Security for early retirees (spoiler alert: it's a powerful backup, but don't expect it to be a cash cow).
Beyond the Numbers: Living a life of purpose and leaving a meaningful legacy can be more important than just the final dollar figure.
Is the 4% Rule a Myth?: Jackie shares her experiences with the 4% rule and how it can be adapted to your own circumstances and goals.

Links:

Get Jackie’s book F.I.R.E. For Dummies here
Listen to Catching Up to FI podcast with Jackie and Bill Yount
Visit her website, Instagram, and LinkedIn

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 178: Franchising 101 | Demystifying the hype Sep 03, 2024

Are you dreaming of owning your own business? Maybe you picture yourself running a bustling coffee shop or a sleek fitness studio in the perfect area of your town. Franchising often seems like the shortcut to that dream – a pre-packaged path to success, where the brand and the system are already in place. But, as with most things in life, the reality is a little less glamorous than the Instagram-filtered facade.

In this episode, we take a deep dive into the world of franchising. From the initial allure of a "cheat code" to building wealth to the often-overlooked realities of bureaucracy, legal entanglements, and the never-ending dance of stakeholders, we lay bare the realities of franchise ownership.

This episode is a must-listen for anyone considering franchising. We’ll help you cut through the hype and make informed decisions about whether franchise ownership is the right fit for you.

Key Takeaways

Beyond the “Cheat Code”: Franchising isn’t a magic bullet to wealth. It’s a business model with its own set of complexities and challenges.
It’s Not Just a Sign-Up: Before jumping in, be prepared for a thorough application process, including fees and scrutiny of your financial standing.
You’ll be juggling more than just your own employees. Franchise ownership means navigating a symphony of stakeholders, including sales teams, operations support, and vendors.
Location, Location, Location: The hype often centers around “prime” locations, but the reality is most franchises operate in less-than-ideal spots. Demand generation is crucial, and you’ll need to build your own customer base.
Beyond the Honeymoon Phase: The initial excitement of a franchise can fade quickly as you face the day-to-day realities of running a business within the constraints of a corporate model.
Deep Pockets & Deep Relationships: You'll need financial stability to handle unexpected costs and a strong network to navigate challenges and find reliable help.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 177: Choosing a debt payoff strategy and why it matters how you approach it Aug 26, 2024

You've heard of the Snowball and Avalanche methods, but which one is right for you? In this episode, we discuss the nuances of these popular debt payoff strategies, exploring the psychology behind each and how they might affect your financial journey.
We're not here to shame you about debt. Let’s be real, in this economy, it's practically a badge of honor to have survived the last few years without getting buried in debt. But, when you're ready to take charge, knowing the right approach can be the difference between a successful debt-free journey and a cycle of frustration.

We'll break down the pros and cons of each approach, sharing insights on how your mindset can play a crucial role in success. Because let's face it, sometimes even the best strategy falls short if you're not mentally prepared for the challenges ahead.

Takeaways

The snowball method involves paying off the smallest debt first, providing quick wins and motivation
The avalanche method focuses on paying off the debt with the highest interest rate, resulting in less interest paid over time
Your mindset is just as important as the math. Choosing a debt payoff strategy depends on personal preferences and financial goals
Using windfall money and balance transfers can accelerate debt payoff
Think of it like chicken soup. Do you want to pop open a can of Campbell's? It's quick, easy, and gets the job done, but lacks the depth and soul of homemade. Or, are you willing to invest a little more time and effort to craft a broth that will simmer in your heart (and stomach) for days?
Focus on making progress over the next 90 days to reduce debt before the holiday season
Reassess, adjust, and celebrate. Don't get stuck in a rut. If one method isn't working, switch it up. And remember to celebrate every milestone, even the small ones.

Links:

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 176: How cash-producing assets solve the 'Net Worth vs. Cash Flow' debate Aug 19, 2024

Is it better to focus on building wealth (net worth) or making sure you have enough money coming in to cover your bills (cash flow)?

This question represents a classic financial tug-of-war, and the answer, as you might have guessed, is both.

So this week, we’re tackling both sides of the argument and reminding you why you don’t have to choose. Cash-producing assets like rental properties, dividend stocks, and business ownership allow you to generate cash in the short term while still building wealth in the long term.

In this episode, we explore the tension between cash flow and net worth and highlight the benefits and drawbacks of each. We emphasize the value of cash-producing assets, such as rental properties, dividend stocks, bonds, royalties, and business ownership, in achieving both cash flow and long-term growth. We also review some potential pitfalls of buying or building these assets, including the need for upfront capital, tax considerations, legal protection, and the importance of adapting to changing environments.

Links:

Episode 107 Net Worth: How to manage and optimize your financial future
Episode 118 Dividend Investing
Episode 112 The role bonds play in a downturn
Episode 133 The Pros and Cons of Alternative Investments

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 175: Investing while stocks are “overvalued” (and how to stay grounded) Aug 12, 2024

This week we’re talking about the stock market's latest tantrum and what it means for YOU. (Spoiler: maybe not as much as you think!) 🤫

In this episode we’re breaking down the psychology of fear and hype, and talking about how to avoid getting caught up in the noise while building a long-term strategy that makes you more confident and less stressed.

Takeaways:

An overvalued stock is one where the price is higher than its actual worth based on its current performance and future expectations.
Market volatility and fluctuations in stock prices are often driven by market sentiment and short-term traders.
Forget the hype and focus on fundamentals - For long-term investors, it is important to focus on the core fundamentals of a company and not get caught up in short-term fluctuations.
Valuation is an art and science - Evaluating stock valuations requires a mix of quantitative measures (e.g., price-to-earnings ratio, price-to-earnings growth ratio) and qualitative factors (e.g., CEO and executive movements, insider trading).
Long-term investing is about more than money - It's about building confidence and a sense of control over your finances. Diversification, dollar-cost averaging, and focusing on what you can control are key strategies for navigating stock market fluctuations.
You're in control of your destiny, not the market's - Developing a solid investing philosophy and understanding your risk tolerance is crucial for making informed investment decisions.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 174: Introducing 'The Quick Dip' | Short Takes on Big Ideas Aug 05, 2024

This week we're ditching the usual deep dives and trying a new format. The Quick Dip is where we embrace shallow takes, and in this episode we’re talking about everything from the Olympics and bankruptcy to the creepy world of personalized pricing.

First we tackle the Olympic exploitation issue, questioning the disparity in pay and prize money for athletes across the globe. Then we discuss the rising bankruptcy trend, wondering if we're becoming numb to the stigma or if it’s truly just changing. And finally, we explore the spooky world of surveillance pricing, wondering if we've lost our privacy in the pursuit of convenience. Get ready to be surprised, provoked, and possibly slightly horrified

Links:

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 173: What We Learned from Our Search for Affordable Housing for Aging Parents Jul 29, 2024

This week we’re talking about the emotionally charged world of affordable housing, as we share the story of our journey to find suitable housing for Julien’s mother. This episode is a must-listen for anyone grappling with the complexities of aging parents and their life after retirement, financial instability, and the often-overlooked reality of the affordable housing system.

In telling our story, we explore:

The emotional toll of the search: We highlight the emotional labor and stress of finding affordable housing for aging parents, particularly when the parent is used to owning their own home. We also talk about the difficult conversations around finances and independence, while dealing with the bureaucratic hurdles and emotional challenges that arise.
The financial burden of housing: We shed light on the exorbitant costs of senior living and the lack of affordable housing options for those who need it most. Specifically, the challenges faced by those who rely on fixed incomes like social security, and the financial pressures that come with aging.
The systemic barriers within the affordable housing system, like limited availability, long waitlists, and inflexible eligibility requirements.
The need for early preparation: We can’t stress the importance of early preparation for aging parents enough, including the need to create online access for financial transactions and to prepare for the emotional conversations around their future.
The importance of community and support: Let this be your reminder that you are not alone in this challenging process and that leaning on community resources and support networks can be the difference maker.

Links:

AARP Future of Housing Report
Download our free Financial Technology Toolkit
GeorgiaHousingSearch.org - a directory of affordable housing options in Georgia
Bounce Back: The Ultimate Guide to Financial Resilience book by Lynnette Khalfani-Cox

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 172: Not just a diagnosis | A real talk about ADHD, money, and relationships Jul 22, 2024

"I was so sad that this might be the case, that I might have ADHD."

This week we're peeling back the layers of Kiersten’s late diagnosis of ADHD. This episode is unlike any other as we get personal about Kiersten's diagnosis, the societal pressures that shaped her understanding of it, and the impact it has on her relationship with Julien and with money.

Join us as we explore the complexities of ADHD and how it can manifest in a partner. You'll hear about the emotional roller coaster that followed and the surprising ways ADHD impacts daily life, especially when it comes to the intersection of money. We also dive into why women are so underdiagnosed and misunderstood, the impact of hormones, perimenopause, and menopause on symptoms, the power of vulnerability, and the role of a partner in supporting someone with ADHD. This episode is packed with insights, humor, and a healthy dose of honesty.

Key Takeaways:

ADHD is not just a lack of attention, but a difference in how the brain processes and learns. It can impact various aspects of life, including organization, memory, and motivation.
The diagnosis can be an emotional process, with feelings of sadness, denial, and even shame. It can be challenging to reconcile past successes with a new understanding of one's brain.
The "Mommy Factor" describes the influx of women who are diagnosed only after their child is
It's important to challenge the negative language used to describe ADHD and other neurodivergent conditions. Instead of focusing on deficits, we should focus on understanding individual differences and celebrating unique strengths.
Partners can play a huge role in supporting someone with ADHD. They can help with understanding the condition, navigating the emotional journey, and advocating for necessary resources.
ADHD is not an excuse, but an explanation that can help us understand and overcome challenges.

Links:

For women with money issues, an ADHD diagnosis can be revelatory from Paulette Perhach via The NY Times
ADHD impairment peaks in menopause
How the "ADHD tax" affects adult finances
Interview with Rich Jones on how work affects our mental health via Cashing Out podcast
Keeping Finance Personal book by Ellyce Fulmore

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 171: Why You Need a Brokerage Account: The Swiss Army Knife of Investing Jul 15, 2024

Many of us know we should be investing for our retirement through accounts like a 401K, but how many of us also have a brokerage account?

Think of a brokerage account as a Swiss Army knife for your financial life. It can help you save for retirement, invest for the short-term, and even handle unexpected financial challenges. In this episode, we uncover the hidden potential of brokerage accounts, discussing their versatility, accessibility, and why they're the ultimate tool for taking control of your finances.

Key Takeaways:

Brokerage accounts offer incredible flexibility: Unlike 401(k)s and IRAs, which are designed for long-term retirement savings, brokerage accounts allow you to invest for any reason, and at any time, with no restrictions.
You have full control: You own and control your brokerage account. This gives you the power to choose your investments, manage your portfolio, and make your own decisions, without needing to rely on your employer or a financial advisor.
It's easier than you think to get started: You don't need a lot of money or investment experience to open a brokerage account. Many platforms offer low minimums, sometimes even as little as $1, and provide resources for learning and building your knowledge.
Don't overlook the short-term potential: Brokerage accounts are not just for retirement. You can use them to save for a down payment on a home, invest for a vacation, or even cover unexpected expenses.

Discussion Points:

Why brokerage accounts are a powerful alternative to traditional retirement accounts.
The benefits of having full control over your investments.
Real-world examples of how people are using brokerage accounts.
How to get started with a brokerage account, even if you're just starting out.
The importance of being proactive and taking control of your financial future.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 170: Why We Fight About Money (and how to stop hitting below the belt) Jul 08, 2024

Money is a hot topic, and it's easy for disagreements to turn into full-blown fights. In this episode, we dive into the common reasons why we fight about money with our partners, family members, and even friends. We explore how our past experiences, cultural influences, and even the nature of our brains can lead to conflict and how to navigate these situations with grace and understanding.

Key Takeaways:

We're not taught how to argue about money: Most of us don't have the skills to discuss financial matters without resorting to emotion or negativity.
"On the same page" doesn't mean conflict-free: Healthy relationships include differences of opinion, even about money.
We often hit below the belt: Media and cultural narratives can influence how we approach conflict, and sometimes we end up attacking our loved ones without realizing it.
Ultimatums are a form of coercion: Instead of trying to control someone's actions with threats, learn to set clear boundaries and communicate your needs respectfully.
The "money fight" is often about something deeper: Underlying insecurities about control, trust, and personal values can trigger intense conflict around money.
Respecting each other's processes is key: Understand that everyone comes from a different place, has different experiences, and different beliefs.
It's okay to not have all the answers: Embrace the process of communication, negotiation, and compromise.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 169: Stock Splits: Unpacking the Hype Jul 01, 2024

There's a lot of buzz around stock splits these days. Nvidia, Walmart, Chipotle - everyone's talking about it! But, as we explained on the podcast, this isn't the financial revolution you might think it is.

A stock split is a simple concept: it's like taking a whole pie and cutting it into more slices. You don't end up with more pie; you just have more pieces. The same is true with a stock split. You don't actually increase the value of your investment; you simply have more shares, each with a lower price.

So why do companies do this? Well, it's all about making their stock more accessible. When a company's stock price gets very high, it can be difficult for the average investor to buy in. A stock split makes those prices more palatable for folks with smaller portfolios. But let's be honest, it's also a bit of a marketing ploy.

Tune into this week’s episode as we answer the question: what does it all mean for you?

Key Takeaways:

A stock split is like cutting a pie into more slices; it doesn't change the size of the pie, just how it's divided.
Stock splits don't increase the value of your investment.
Companies do stock splits to make their stock more accessible and increase trading volume.
Stock splits don't guarantee future success.
Focus on the fundamentals of a company, not just the hype around a split.
Stock splits can offer an opportunity to buy into a good company at a more affordable price, but they’re just a piece of the puzzle.
Consider your investment goals and risk tolerance when evaluating a stock split.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 168: Introducing Season 3 of Money on the Table: Back to Basics (and Better Conversations) Jun 24, 2024

We're excited to be back with a new season of our award-winning original video series, Money on the Table. This episode dives into the origins and inspiration behind Season 3 and why we decided to return to our humble home kitchen for these conversations.
We’re unpacking why those authentic, no-holds-barred conversations about money are dang important, how food can be a powerful medium for breaking down walls to explore complex topics, and the trials and triumphs of DIY content creation. We’re giving you the inside scoop on what to expect in Season 3 of Money on the Table – and trust us, it's gonna be good!

In this episode, you’ll learn:

How Anthony Bourdain's work inspired Money on the Table.
How food and food television can create a unique space for conversation.
The challenges and benefits of creating content independently.
The importance of genuine conversations about money.
Our goals for Money on the Table Season going forward

Links:

Watch Episode 1 “A life with fewer regrets”
Watch Episode 2 “Luck is NOT a PLAN”

Subscribe to our YouTube channel to be notified when the rest of the episodes drop!

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 167: My journey through fatherhood | A special Father's Day message Jun 17, 2024

Happy Father’s Day to all the Dads! In this special solo episode, Julien offers a heartfelt and inspiring look into the actual experience of fatherhood. He gives a refreshing perspective on fatherhood and opens up about his own journey, sharing a powerful message of presence, growth, and the role of a dad.

Julien takes us on a personal exploration, revealing he wasn't always the father he is today. He describes a past "oblivious" phase where fatherhood wasn't even on his radar, and gets real about the whole “I thought I could plan for this thing” (spoiler alert: you can’t)

Julien also explores moving beyond traditional notions of being just a provider, sharing how his journey into fatherhood has led him to confront his own limitations and learn the importance of embracing the present. He talks about how he actively strives to be a role model, coach, confidante, and even a punching bag for his son. He’s honest about the challenges, but there’s a real sense of joy and wonder in his voice when he talks about constantly evolving as a dad.

If you're a dad, or even thinking about becoming one, this is the episode for you. It's a reminder that being present, being there for your kid, even in the messy, crazy, exhausting moments is the real gift

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 166: The “Zero-naire” effect and finding confidence in the smaller wins Jun 10, 2024

It’s time for your 2024 midyear money check-in and in this episode, we discuss the importance of celebrating the overlooked smaller financial wins and milestones. We know the feeling – it's easy to get caught up in big goals, like buying a house or retiring early. But what about the smaller victories along the way?

Julien reflects on the feeling of hitting "zero-naire" status after paying off debts, and how his mindset has shifted from constantly chasing a bigger number to finding contentment in the present. Kiersten reveals how shifting her perspective on saving from a rigid "all or nothing" approach to a more fluid and sustainable strategy led to greater financial confidence and a more positive relationship with money.

We also discuss the power of "sweat equity" in both personal and financial growth, and explore how to apply this concept to everyday life. Whether it's cooking at home instead of eating out, cleaning your patio yourself, or finding ways to increase your savings rate, every small win counts!

After this episode, you might be surprised at how much joy and progress you can achieve when you take the time to appreciate the little things.

Links:

Ep 71: Buying Used vs New

We discuss:

The power of mid-year check-ins and why they're critical for understanding your progress and re-evaluating your goals.
The importance of celebrating small wins, even when they seem insignificant.
The importance of sweat equity in our personal and financial lives, and how it can lead to a sense of accomplishment and purpose.
The dangers of chasing hype and the importance of discerning between real financial wins and fleeting trends.
The need to re-evaluate our approach to investing and learn about different strategies beyond traditional index funds.
The importance of recognizing and appreciating the value of experiences, even if they come at a cost.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 165: The "Soft Life" and How to Align Your Money Goals with Ease Jun 03, 2024

This episode is a special one, inspired by a listener suggestion based on a recent event Kiersten spoke at with Ally and UnitedMasters called SelectCon! We're diving into the concept of the "soft life" and how it relates to money, financial goals, and entrepreneurship.

Here's what we cover:

SelectCon: We start by discussing our experience at SelectCon, a unique event hosted by UnitedMasters, an alternative to traditional record labels that empowers artists to retain ownership of their work. We talked about the financial literacy aspect of being an independent artist, which is where the "soft life" concept came into play.
What is the "soft life"? We explore the meaning of the "soft life," how it's often portrayed online, and the differences in perception between men and women.
The "soft life" for entrepreneurs: We discuss how to find a balance between hustling and creating a soft life as an entrepreneur, especially when it comes to financial decisions.
Pay Yourself First: This episode features a deep dive into the concept of "paying yourself first," which is a key strategy for building a soft life, regardless of your career path.
Value-based spending: We talk about how aligning your spending with your values can contribute to building a "soft life" that's sustainable and fulfilling.
Brokerage accounts: We discuss the importance of brokerage accounts for entrepreneurs and those with inconsistent income, especially compared to traditional 401Ks.
Inner work: We explore the psychological aspect of the "soft life" and the importance of inner work for achieving financial responsibility and a sense of ease.

If you're interested in learning more about how to achieve financial freedom and create a soft life that works for you, this episode is for you!

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 164: The New Rules of Success | Why 'get paid' beats 'follow your passion' May 27, 2024

It's graduation season and the Class of 2024 faces a unique set of challenges: crushing student loan debt, a competitive job market, and the constant pressure to "hustle." In this episode, we're cutting through the noise and giving real, actionable advice for the new world of work.

In this episode, we talk about:

The truth about student loan debt: How it influences career choices and the need for financial security
Side hustle as a strategic move: Why this generation is turning to side gigs and how to use them to your advantage
Burnout and economic uncertainty: Developing a practical approach to mental health and career advancement
The new rules of success: Forget "follow your passion," it's time to embrace a new philosophy: “get paid.”
Playing the corporate game: How to play the game and protect your mental health

This episode is for you if:

You're graduating in 2024 and feeling overwhelmed by what's next
You want to understand the unique challenges and opportunities facing the Class of 2024.
You want to hear practical advice on how to make money and build a successful career.
You're tired of the same old platitudes and want real talk on the realities of the modern workplace.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 163: Beyond Summer Camp | Unconventional ways to fill the summer void May 20, 2024

Is summer break a vacation, a project, or a chaotic mess? In this episode, we're diving into the reality of childcare during the summer months, exploring why even high-income families rely on relatives, and why traditional camps and daycare might not be the answer. Join us as we unpack the reality of summer childcare and discover creative solutions to make the break a time for growth, connection, and even some fun!

Links:

Most Parents Don't Have Any Formal Child Care Arrangements via US Census Bureau
Full Time Job, Zero Formal Child Care via The Cut
Starter list of free of cheap summer camps

In this episode:

New Data Reveals the Truth: We discuss a surprising new U.S. Census study that shows most parents (61%) rely on non-formal childcare, with relatives topping the list.
Beyond the Price Tag: Cost is a factor, but it's not the only thing driving summer childcare choices. Learn how lifestyle choices, family dynamics, and personal situations impact parents' decisions.
Creative Solutions: Summer doesn't have to be a constant struggle. We share creative, fun, and often free ways to fill the summer with learning, play, and meaningful experiences for kids.
The Power of Community: Discover how to tap into your community for support, from neighbors and friends to college students and teachers who might be seeking side gigs.
PTA: Your Secret Weapon: We explore the often-overlooked resources and opportunities available through the PTA.
Think Like a Teacher: Learn how to create a flexible summer schedule that's both engaging for your kids and relaxing for you.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 162: Get Noticed, Get Hired: How to sell yourself and win in this job market May 13, 2024

The job market is more competitive than ever. Even with the perfect resume and impressive credentials, landing your dream job (or even a decent one) feels impossible. What's the missing piece?

This episode dives into the unspoken truth: you need to learn how to sell yourself.

We're tackling the tough questions:

Why is self-promotion so important in today's world? We explore how the digital age has changed the game, requiring you to be "twice as findable" as you are qualified.
Isn't bragging "icky"? We debunk the stigma around self-promotion, revealing the difference between obnoxious boasting and authentically showcasing your value.
I hate social media. Do I really need to be online? We discuss the importance of building a digital presence and offer strategies for making it work for YOU, even if you're not a social media guru.
How do I stand out without losing myself? We offer practical tips and frameworks for developing a sustainable self-promotion strategy that aligns with your values and goals.
What about the fear of rejection? We share personal experiences and provide encouragement for overcoming the mental hurdles that often hold people back.

This episode is for anyone who is struggling to land a job despite strong qualifications, wants to advance their career but feels stuck or is considering entrepreneurship but feels hesitant to put themselves out there.

We'll leave you feeling empowered to take control of your career narrative, equipped with a few practical strategies for building your personal brand and inspired to embrace self-promotion as a path to success.

Resources mentioned:

Brag Better by Meredith Fineman
Cinneah at Flynanced

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 161: Life after Shark Tank | CurlMix CEO Kim Lewis on Building a Beauty Empire Her Way May 06, 2024

This week we're discussing the inspiring journey of Kim Lewis, CEO of CurlMix, as she shares her experiences and insights on building a successful business and challenging societal norms. The conversation highlights the ups and downs of entrepreneurship, her experience with Shark Tank, fundraising insights and how her relationship with money has changed throughout her entrepreneurial journey. It’s a must-listen for anyone looking to challenge the status quo and build a life of purpose and impact.

We explore her early entrepreneurial aspirations, the dynamics of working with a partner, and the importance of open and honest communication. Kim opens up about her time in the traditional workforce and how those experiences ultimately led her to pursue entrepreneurship. She shares her experiences with $100k in credit card debt and the lessons she learned from it. The conversation also highlights the importance of financial literacy for entrepreneurs and explores alternative funding strategies, particularly Kim's successful utilization of crowdfunding to fuel CurlMix's expansion.

We challenge traditional notions of work-life balance and discuss the importance of prioritizing experiences that nourish the soul. Kim shares her evolving relationship with money and success, emphasizing the need to focus on purpose and impact rather than solely chasing numbers. This episode is packed with Kim's vibrant personality and wisdom, offering valuable lessons for aspiring entrepreneurs, business owners, and people seeking a more fulfilling life.

To learn more about Kim, visit her website, listen to her More Rounds podcast, or follow her on Instagram.

Visit the Curlmix website to learn more about their products and mission.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 160: Financially Lit! Leveling up your dinero with Jannese Torres Apr 29, 2024

This week we’re chatting with Jannese Torres, the proud Latina behind the new book "Financially Lit!" and the Yo Quiero Dinero community. We talked about her incredible journey to financial independence, breaking free from traditional paths and the importance of redefining success and wealth. Jannese opened up about her experience being laid off from her corporate job and realizing she needed to be her own safety net.
We discussed the importance of representation and seeing ourselves reflected in success stories, the influence of Bad Bunny and Puerto Rican culture, and the cultural baggage that comes with money. She also got real about the emotional side of building wealth, especially the guilt that can come with achieving success when your community is struggling, as well as the impact of toxic relationships and the importance of protecting your wealth using prenuptial and postnuptial agreements.

Jannese's story is about so much more than just dollars and cents. It's about being true to yourself, breaking down barriers, and building a better future for yourself and your community. It's about owning your identity and using your voice to inspire others.

Get Jannese’s book (out April 30th) - Financially Lit!: The Modern Latina’s Guide to Level Up Your Dinero & Become Financially Poderosa

Keep up with Jannese on her website, Instagram, Twitter, and podcast

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 159: Rewriting the Rules of Finance | A conversation with Yvette Butler, CEO, Founder of Hive Wealth Apr 22, 2024

In this conversation, Yvette Sadler Butler, CEO and founder of Hive Wealth, discusses her journey in the financial services industry and how it influenced the creation of Hive Wealth. In it, she shares her vision of making finance more inclusive and accessible to everyone through financial planning powered by AI.
The conversation explores the rise of Black investors in the stock market, the importance of financial planning, the need for budgeting tools and how AI (artificial intelligence) is incorporated into the Hive Wealth experience.
It concludes with Yvette sharing some of the early reactions to the Hive Wealth experience, how Hive Wealth improves financial decision-making, investment strategies, and long-term planning. To learn more about Hive Wealth, visit https://www.hivewealth.com/.
To follow Hive Wealth on social media: click the links below:
Instagram: http://instagram.com/hivewealth
Facebook: https://www.facebook.com/hivewealth
YouTube: https://www.youtube.com/@hivewealth
To learn more about the show, visit https://richandregular.com/listen/
About Yvette Butler:
After 30 years at the intersection of digital and wealth management, Yvette launched Impart Media to close the racial, gender and generational wealth gap. She believes that we should all have an equal opportunity to create an enduring legacy. Yvette is the former President of SVB Private, the modern private bank for innovators.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 158: Must-Have Kitchen Tech for Busy People Apr 15, 2024

If you want to know the secret to stress-free cooking at home this episode is for you! This week, we're exploring the world of kitchen technology that can help you save money, eat healthier, and make cooking at home easier and more enjoyable. We'll discuss our personal experiences with various gadgets, highlighting the benefits for both novice and experienced cooks.

Key Takeaways:

Cooking at home is a major opportunity for savings, but it's important to remove pain points and inefficiencies.
Technology can bridge the gap between wanting to cook more and feeling overwhelmed by the process.
There are options for everyone, whether you're a busy professional, a parent, or simply looking to expand your culinary skills.

Featured Kitchen Tech:

Anyday: This microwave cookware allows you to cook anything from scratch, using raw ingredients, directly in the microwave. It's perfect for busy individuals and families who want to eat healthy without spending hours in the kitchen.
Inkbird Wireless Thermometer: This thermometer measures both the internal temperature of your food and the ambient temperature of your oven or grill, taking the guesswork out of cooking and ensuring perfectly cooked meals every time.
Sous Vide: This immersion circulator cooks food gently and evenly in a water bath, resulting in incredibly tender and flavorful dishes. It's ideal for meal prepping, reheating leftovers, and experimenting with new cuts of meat.
Electric Lunchbox: This portable device allows you to enjoy a hot, home-cooked meal wherever you are. It's perfect for blue-collar workers, busy professionals, and anyone who spends extended periods of time away from home.
Air Fryer: This countertop appliance is essentially a mini convection oven, perfect for quickly cooking or reheating a variety of foods. It's a healthier alternative to deep frying and a great option for families with kids.

Additional Resources:

Investing Masterclass: Making Money Grow: Use code APRIL25 for 25% off during Financial Literacy Month!
rich & REGULAR Amazon Storefront: Find curated lists of our favorite kitchen gadgets and other recommended products.

Please remember to leave a 5-star rating and review to help others discover the show, and share this episode with anyone who wants to make cooking at home easier and more enjoyable.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 157: Spreading F.I.R.E. and Financial Joy | A conversation with Ken and Mary Okoroafor Apr 08, 2024

Ken and Mary Okoroafor based out of the UK and founders of The HumblePenny.com discuss their life and new book Financial Joy. In this conversation, they share their journey of starting their blog and the importance of representation in the personal finance space. They discuss the advantages of raising their children to be investors and the importance of being aligned as a couple. They also emphasize the value of using everyday situations as teachable moments for their children.
Ken shares his personal experience of leaving his high-paying job as a CFO to become a content creator and the challenges and rewards that came with it. They also discuss the unique challenges faced by black people in the UK in terms of wealth gaps and systemic racism. They highlight the lip service and broken promises of organizations that claim to support black communities as well as their POV on the similarities and differences for Black people in the UK vs. the United States.
Lastly, they share a few nuggets from their book: Financial Joy emphasizing the importance of faith as a currency in finances and the need for dreamers to have a clear purpose, objectives, strategy, and tactics [P.O.S.T] to achieve their goals.
Get Ken and Mary's book, Financial Joy: Banish Debt, Grow Your Money and Unlock Financial Freedom in 10 weeks
Follow Ken and Mary on YouTube, Instagram, or their website

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 156: Survive & Advance | The Ultimate Guide to Financial Resilience with Lynnette Khafani-Cox Apr 01, 2024

This week we’re joined by author and personal finance expert Lynnette Khalfani-Cox to discuss the importance of financial resilience and the strategies for bouncing back from setbacks. Lynnette dives into the core concepts from her book "Bounce Back: “The Ultimate Guide to Financial Resilience and explores the emotional side of financial challenges. In this refreshingly candid interview, Khalfani-Cox gets real about the psychological toll of money woes and those dreaded "Ds" that can decimate your finances: Debt, Downsizing, Divorce, etc. This isn't just about spreadsheets and hacks. It's a master class in self-compassion as a survival strategy.

Lynnette also provides insights into her writing process, dealing with pressure/deadlines, and setting realistic expectations when she working on the book and workbook. Whether you're struggling with debt, recovering from a job loss, or simply want to become more financially resilient, this episode is packed with wisdom and real-world advice for bouncing back stronger than before.

Get Lynnette’s new book Bounce Back: The Ultimate Guide to Financial Freedom Connect with Lynnette on her website, Instagram, Twitter, or LinkedIn

Key Takeaways:

The Power of Personal Stories: Lynnette shares moving personal accounts that illustrate the resilience needed to overcome financial hardship and life's inevitable curveballs.
Mental Health Comes First: Before tackling practical money issues, Lynnette emphasizes taking care of your mental and emotional well-being through self-compassion.
Overcoming Shame: Breaking down the barriers to asking for help and support from one's community when facing difficulties.
Practical Tips: The "zero debt mindset" philosophy and the "switch and save" strategy for paying down debt more effectively.
The Long Game: Understanding that financial decisions have long-term impacts and that building true resilience is an ongoing process.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 155: The FinTech Toolkit: Conquering Financial Fear and Fraud Mar 25, 2024

To get your copy of the FREE Financial Technology Toolkit, click here and we'll send your guide directly to your email address.
To learn more, visit the rich & REGULAR blog here
Tech literacy isn't a one-and-done skill. It requires continuous learning and adaptation as innovation marches on. And there are very few areas that are being transformed by technology as rapidly as personal finance and fintech.

To help bridge this literacy gap, we're introducing a free Fintech Toolkit aimed at empowering you to:

Track and save money more effectively
Automate and optimize your investing
Protect yourself from the growing threat of financial fraud

In this episode, we dive into the startling lack of awareness around financial fraud. The statistics are staggering, but the invisibility of these crimes causes us to drastically underestimate the risks. Scaring people straight rarely works - we have to make protecting assets feel like a smart, rational choice.

And that's where fintech comes in. Our conversation explores the lack of awareness and discussion around financial fraud, highlighting the need for more attention and education on the topic. We also address the fear of embracing fintech and provide strategies for overcoming it.
At the end of the day, crime and fraud follow the path of least resistance. The financial crimes of the future will continue targeting the people and businesses still using outdated, insecure practices and staying safe requires embracing new technological tools.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 154: Why you need a plan for unexpected "windfall" money Mar 18, 2024

In this episode, we’re discussing how to manage a windfall, whether it's a sudden influx of money from investments, bonuses, or unexpected events. We share our personal experiences with windfalls and the importance of splurging and treating yourself to experiences. We emphasize the need to resist the urge to act quickly and instead create a wish list and categorize priorities. We also discuss the importance of waiting and considering tax implications, as well as managing expectations and right-sizing giving.

This episode also explores the cognitive benefits and financial muscle developed through lump sums and highlights the power of compounding interest and its role in accelerating financial plans. We also discuss how to handle large salary bumps or side hustle success and the need for preparation and planning, whether you should seek professional help for financial advice, along with customizing financial decisions based on individual circumstances
Links:

Takeaways:

Splurging and treating oneself to experiences can be a valuable part of managing a windfall.
Resist the urge to act quickly and take time to create a wish list and categorize priorities.
Consider the tax implications of a windfall and plan accordingly.
Communicate and manage expectations with others who may have expectations of your windfall.
Right-size your giving and allow yourself to experience the windfall before making promises.
Careful planning is necessary when handling windfall money to ensure it is used effectively and does not cause unintended consequences
Lump sums can provide cognitive benefits and develop financial muscle, allowing for long-term thinking and intentional decision-making.
Understanding the power of compounding interest can help accelerate financial plans and shorten the time needed to achieve financial goals.
Making progress on financial goals is fulfilling and can provide a sense of freedom and security.
When experiencing a large salary bump or side hustle success, it is important to have a plan for the extra income and consider seeking professional advice.
Customizing financial decisions based on individual circumstances and having a clear purpose for income are key to making informed choices.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 153: Q&A | Should I support my husband? We respond to a listeners email. Mar 11, 2024

In this episode, we respond to an email from a woman who wanted to know when to give up on a trucking business she started with her husband. The conversation covers topics such as faith, confidence, financial planning and finding the right partners, and we provide advice on calculating the cushion needed to support the business, as well as the importance of psychological resilience in entrepreneurship.
This episode explores the differences in the role credit cards play in personal and business finances, highlighting the potential risks and challenges of relying on credit cards for business funding. It emphasizes the importance of financial planning, business support systems and having a larger cushion in retirement savings.
The conversation also explores finding alternative sources of income, such as side gigs that align with skills and goals. Building relationships, networking, and normalizing backup plans are discussed as essential strategies for entrepreneurial success. The episode concludes with a focus on navigating financial stress and how gender norms affect the relationship dynamic.
Links:

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 152: Katherine Morgan Schafler | The Perfectionist's Dilemma and how to balance your high standards with your happiness Mar 04, 2024

Happy Women's History Month 2024! What does it mean to be a perfectionist? Is it a blessing or a curse? How does it affect your relationship with money, yourself, and others? In this special solo episode, Kiersten chats with Katherine Morgan Schafler, a psychotherapist and coach who helps people overcome perfectionism and live authentically.
They talk about the different kinds of perfectionism, how social and historical forces shape them, and how they can be harnessed for good or bad. They also dig into the role of money in self-actualization, the link between self-worth and spending, and how to set financial goals that align with your values. Finally, they share some tips on how to break free from the cycle of self-punishment and embrace your flaws and strengths. In this episode, Katherine Morgan Schafler shares her insights on punishment vs. discipline, defining ‘enough,’ and balancing values and legacy.
Links:

Buy Katherine's book The Perfectionist's Guide to Losing Control: A Path to Peace and Power
Follow Katherine on Instagram or visit her website

Here are some key takeaways from this conversation:

Perfectionism is not a monolithic trait. It can be adaptive or maladaptive, depending on how it affects your well-being and performance
Money can be a tool for empowerment, but it can also be a source of anxiety and insecurity. It’s important to understand how your self-worth influences your spending habits and financial decisions
Setting good financial goals requires knowing what you value and what you appreciate. It also requires being honest with yourself about what you need and what you want.
Self-worth is not the same as self-esteem. Self-worth is about what you believe you deserve, while self-esteem is about what you think about yourself. Both are influenced by your social and cultural context.
Breaking the cycle of self-punishment involves meeting yourself with compassion and understanding. Punishment only teaches us to avoid the source of punishment, while discipline seeks to extinguish negative behaviors through the promotion of positive behaviors.
To define ‘enough,’ start by identifying what is not enough for you and then determine what is enough on a survival level and what makes you feel good. Then, compare your current situation with your ideal situation and see what gaps you need to fill.
Balancing values and legacy involves understanding what you value, how those values show up in your daily life, and what you do not value. It also involves thinking about how you want to be remembered and what impact you want to have on the world.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 151: Raising a rich kid | featuring our son Beau Feb 26, 2024

In this episode, we’re talking about how we parent our son Beau and teach him about money. We share our philosophy of raising a rich kid, not by giving him everything he wants, but by teaching him the value of saving and investing from a young age. We also talk about the pressure we feel as parents to provide more for our child, and how we use self-imposed constraints to teach him responsibility. We explain how we use video games and sports as metaphors to help Beau understand the concepts of earning and investing. We also discuss the importance of providing a financial cushion for our child's future, so he can have more choices and opportunities in life. At the end of the episode, we interview Beau himself, who shares his thoughts on saving money.

Beau is six years old and tells us how he learned about saving money from us and from his own experiences. He shares how he explains the concept of saving money to his friends and his teachers. He tells us his savings goals and his dreams of becoming a millionaire. He also reveals his plans to make money as a baseball player. Beau believes that having a house, food, and family are the most important things for a "perfect" life.

We emphasize the importance of not overcomplicating the process of teaching kids about money and making it a normal part of our daily lives. We stress that investing for kids is not something elitist or exclusive, but something fundamental and necessary.

Links:

Learn more about OneUnited bank
Episode 75: Financially Preparing for a Child
Episode 69: Investing for your kids

Takeaways

Teaching kids about saving and investing from a young age is one of the best gifts we can give them as parents.
We don't have to give kids everything they want, but we have to teach them the financial implications and consequences of their choices.
Using metaphors and real-life examples can make the concepts of saving and investing more relatable and understandable for kids.
A financial cushion can give kids more freedom and flexibility in the future, but it also comes with responsibility and accountability.
We have to have open and honest conversations with kids about money and involve them in our financial decisions.
Saving money is a habit that can be developed from a young age, and it can have a positive impact on kids' future.
Putting money in the bank is not enough, we have to teach our kids how to invest and grow their money.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 150: The Confidence Trap | How risk affects your investments Feb 19, 2024

In this episode, we talk about the concept of overconfidence in investing, also known as the confidence trap. We explain why confidence is important and how it can either help or hinder us in achieving our goals. We also examine the role of ego in investing and how it affects our self-image as investors and use culinary references and personal stories to make our points. We stress the difference between investing and gambling, and the need to understand and manage risk. The episode ends with some tips for making better investment decisions and seeking advice from experienced investors.

Takeaways

Confidence can be a double-edged sword in investing.
Ego influences how we see ourselves as investors.
The relationship between work and investing can affect our risk appetite.
Investing should be done with a mindset of doing less and avoiding overdoing it.
Investing and gambling are not the same thing.
Calculating risks and considering beta and R-squared can help us make better investment decisions.
Investing should be seen as a slow and steady process, not a fun or exciting one.
Seeking advice from experienced investors and learning from personal stories can give us valuable insights.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 149: Fashion vs. Frugality | How a capsule wardrobe can save you time and money Feb 12, 2024

In this episode, we discuss capsule wardrobes and how this approach can help people save time and money. In it, they explore how men and women differ in their adoption of the tactic. Specifically, men are more likely to call a capsule wardrobe a uniform. They also discuss the high costs associated with maintaining a professional wardrobe and what they did during their corporate careers to manage it.
During the conversation, Julien and Kiersten are joined by a special guest, Winston Peters. Winston is a Business and Brand Strategist, Consultant, Adjunct Professor at Manhattan College, and Julien's long-time friend. He is the only person he knows who adopted a uniform; though [interestingly enough] he refers to his capsule wardrobe as an "alphabet" and chooses to always wear the color black
Winston shares how he came to make the decision to adopt this style, the benefits it affords him, whether he encountered any "backlash" as a result of his wardrobe decision and how others have reacted to it over the years.
Connect with Winston on LinkedIn

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 148: Is FIRE really a movement? | A special Black History Month episode Feb 05, 2024

This week we're diving deep into the heart of the FIRE (Financial Independence, Retire Early) movement and asking whether it's really a movement...or just a quirky personal finance trend.
We explore the intersections of history, finance, work culture, technology, and societal change and discuss what defines a movement, how FIRE has benefited from several larger societal shifts, and how even the tiniest seeds of change, like feelings of embarrassment, fatigue, or frustration, can spark lasting change.
Show notes, articles, research or data mentioned in the episode:
Wall Street Journal: Black Investors Are the Biggest New Group of Stock Buyers
Morningstar: It's Official: Passive Funds Overtake Active Funds
CBS News: Toxic workplaces can harm your physical and mental health, surgeon general says:
Claudia Goldin win Nobel economics prize for work on gender gap:

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

147: Is a Costco membership worth it? Jan 29, 2024

What does it mean to be a Costco member in 2024? This week we’re loud budgeting our grocery bill and discussing our recent decision to get a Costco membership. We share our initial impressions of the store, the perks we have enjoyed so far, and a few factors to consider when deciding whether a Costco membership is right for you.
Food is a Big 3 expense for most households and with recent price surges, many people are feeling the squeeze on their budgets.

Throughout the episode, we encourage you to think critically about your shopping habits and preferences and ask yourself how much you truly need, how much you can store, and how much money you can save. We also talk about the importance of understanding your consumption, being mindful of food waste, and supporting your community through responsible shopping practices.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 146: Jamila Souffrant | Finding Freedom within a Framework Jan 22, 2024

This week our guest is Jamila Souffrant, host of the Journey to Launch podcast and author of the new book, Your Journey to Financial Freedom. In this conversation, we discuss her journey to financial independence and the lessons she has learned along the way.

We talked about how she reached her breaking point and decided to pursue financial independence, how the FIRE movement inspired and challenged her, the importance of including various options in personal finance education, and the impact of immigration stories on financial journeys. We also discuss the challenges and strategies of raising financially savvy kids and the evergreen principles of financial education that apply to anyone.

Jamila believes that building wealth is not about chasing the latest trends or optimizing every penny, but about finding a balance between what makes you happy and what makes you secure. She shares the importance of taking a 'boring' approach to building wealth, encouraging you to focus on sustainable and fulfilling strategies rather than constant optimization. She also emphasizes the value of investing in low-cost index funds and retirement accounts as a foundation for financial security.

Get Jamila’s new book, Your Journey to Financial Freedom wherever books are sold. Subscribe to the Journey to Launch podcast and keep up with Jamila on Instagram, X, YouTube and Facebook.
Takeaways

The journey to financial independence often starts with a breaking point, where individuals realize they can no longer accept their current circumstances.
The FIRE movement can be a powerful tool for achieving financial independence, and it is important to find resources and communities that resonate with your personal journey.
Including various options and frameworks in personal finance education allows individuals to find a path that aligns with their goals and values.
Immigration stories can provide valuable lessons and inspiration for financial journeys, highlighting the sacrifices and determination required to create a better life.
Teaching children about money and investing should focus on the concepts of income, expenses, and the importance of balancing present enjoyment with long-term goals.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 145: 4 Common Layoff Mistakes to Avoid Jan 15, 2024

In this episode, we’re peeling back the layers of the recent layoff phenomenon, a storm that’s been brewing and hit hardest in 2023. Our take is that it’s not just about job loss; it’s a cultural shift within organizations that leaves a lasting imprint. This episode is here to help you navigate this storm, armed with insights and strategies that improve your chances of success.

We’ve identified four common mistakes that people often stumble into post-layoff: assuming it won’t happen again, the temptation to keep it a secret, neglecting hard skills and certifications, and leaving a 401(k) with a former employer. These are not just mistakes; they’re missed opportunities for growth and resilience. If anything this episode is a reminder of the importance of staying the course even when faced with adversity. It’s about weathering the storm, not avoiding it. So join us, we’ve got a lot to talk about.

Links:

Takeaways

Layoffs have become more common, and it is important to be prepared and proactive in navigating the challenges.
Assuming layoffs won't happen again can leave you unprepared and vulnerable. It is important to be aware of the signs and be proactive in protecting yourself.
Keeping a layoff a secret can hinder your ability to find new opportunities and receive support from your network. It is important to be open and transparent about your situation.
Neglecting hard skills and certifications can limit your job prospects. It is important to continuously develop and update your skills to stay competitive in the job market.
Leaving your 401(k) with your former employer can result in missed opportunities for growth and potential fees. It is important to consider your options and make informed decisions about your retirement savings.
Roll over your 401k account into a different retirement account to minimize fees and contribute to your retirement.
Leaving your 401k with an old employer can lead to losing track of your investments, limited access, and changes in investment allocation.
Update beneficiary designations to avoid complications
Understand the difference between direct and indirect rollovers and the importance of investing the funds in your new account.
Use the time to consider opening a different investment account and continue investing even after a layoff

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 144: JL Collins | Find a Path or Make One Jan 08, 2024

This week, we have a special guest: JL Collins, the Godfather of the Financial Independence movement. He’s here to talk about his new book, ‘Pathfinders’, where he shares the stories of people who have achieved financial freedom in different ways. He shows us that there is no one-size-fits-all formula for success, and that we have to find our own path based on our values, goals and circumstances. He also tells us why we should embrace failure as a learning opportunity, how he measures quality of life, why we should all craft a unique life that aligns to our values, the importance of putting family first, and how he stays optimistic in a world full of uncertainty. This is a conversation you don’t want to miss, because JL Collins is not only our mentor and friend, but also one of the wisest and most generous people we know.

Links:

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

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.

Links:
Join our mailing list to get Brain Candy directly in your inbox

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.

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

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.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

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.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

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.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

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

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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 138: Tips To Avoid Holiday Overspending Nov 27, 2023

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.

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

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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 137: Crafting Your Money Story Nov 20, 2023

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

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

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

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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Ep 133: The Pros and Cons of Alternative Investments Oct 23, 2023

This week on, Rich & REGULAR, Kiersten and Julien are taking a deep dive into the world of alternative investments. What are alternative investments? Should you even consider them for your investment portfolio? The Saunders break down the pros and cons of these intriguing investment options, giving you a well-rounded perspective on the subject. If you're curious about whether alternative investments could be a good fit for you and your unique investment goals, this is one episode you won't want to miss. Tune in to explore this realm of financial opportunities and discover if it's the right path for your investment journey.

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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 132: From Aisles to Algorithms: Navigating the Grocery Wars Oct 16, 2023

With so many grocery store options, how do you navigate this world and still save money? It's no secret that grocery stores are the most frequently visited retailers in America. This week on Rich & REGULAR, Kiersten and Julien take a closer look at how our choices as grocery consumers shape what we buy. They discuss the rise of grocery delivery services, the competition in the market, and how the stores use their own brands. How will artificial intelligence (AI) impact this domain? The Saunders highlight AI as a grocery store game-changer, streamlining the automated fulfillment process. And, of course, don’t miss the smart tips for getting the most value out of your grocery shopping!

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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 131: Are Gift Cards A Scam? Oct 09, 2023

This week on Rich & REGULAR, Julien and Kiersten tackle the intriguing question: Are gift cards a scam? Listeners might be surprised to learn that a whopping 47% of US adults are sitting on at least one unused gift card or store credit, collectively totaling an astonishing $23 billion nationwide! The Saunders also weigh in: Is cash a tacky gift? Tune in as they explore the intricacies of gift-giving, the value of flexibility, and what to do with those seemingly forgotten, yet potentially valuable, gift cards. Don't miss this episode for a fresh perspective on the world of gifting and the financial surprises it might hold!

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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 130: How to Sell Your Stuff Online Oct 02, 2023

What in the world is recommerce and how could it benefit you? Get ready to explore the world of eCommerce on this week’s episode of Rich & REGULAR. From the booming secondhand market, aka recommerce, and its easy-money potential with minimal effort, to the nitty-gritty of doing your very first product listing, Julien and Kiersten have tips, strategies, and insights to supercharge your online selling game.

With a plethora of eCommerce platforms out there, Julien and Kiersten will help you decipher which one is the perfect match for what you're looking to sell. Plus, they share insights about how to market your products effectively and share some crucial “watch-outs” to ensure you're selling online like a seasoned pro. Tune in this week if you’re feeling ready to take your eCommerce game to the next level!

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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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If you would like to learn more about investing, check out our newest class, Making Money Grow

Ep 129: The Rise of Amazon One ID Sep 25, 2023

This week on Rich & REGULAR, Julien and Kiersten take listeners into the exciting world of Amazon One ID, one of the newest developments in fintech. Tune in as they break down what exactly it is, how this game-changing technology operates, and whether or not you should be feeling just a tad uneasy about it.

The Saunders don’t shy away from discussing the apprehensions associated with this groundbreaking tech. From privacy concerns to potential misuse, they tackle the fears head-on. They also explore the positive side, like how Amazon One ID has the potential to slash fraud rates and what a world without traditional keys might look like. So, if you're wondering when Amazon One will become the norm and what it means for our journey towards a cashless society, listen to the episode to find out more.

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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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If you would like to learn more about investing, check out our newest class, Making Money Grow

Ep 128: Short-term Trading vs. Long Term Investing Sep 18, 2023

There are infinite ways to make money these days, short-term trading is just one of them. But is it the right fit for you? Tune in this week as Julien and Kiersten explore the differences between short-term trading vs. long-term investing as well as the advantages of each method.

Most successful traders have an advantage in two areas, do you know what they are? The Saunders’ also clear up common misconceptions to help give you clarity and insight into short-term trading. Tune into this week’s episode rich & REGULAR to find out which path aligns with your goals and risk tolerance.

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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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If you would like to learn more about investing, check out our newest class, Making Money Grow

Ep 127: Navigating Overoptimization Sep 11, 2023

This week on Rich & REGULAR, Kiersten and Julien tackle the topic of overoptimization. When does the pursuit of optimization become problematic? Is achieving balance while optimizing even possible? The Saunders share relatable anecdotes and practical advice on how to avoid the pitfalls of overoptimization, a must listen for those who prioritize leveling up in many areas of their lives.

Kiersten and Julien generously share their wisdom, offering practical tips and tricks to help listeners break free from the chains of overoptimization. They explore the elusive concept of balance, helping listeners navigate setting achievable goals and finding contentment in their financial and personal lives. Through their discussion, the Saunders leave listeners with a treasure trove of strategies and insights for incorporating metrics and countermetrics into their lives, ultimately paving the way for a more balanced, fulfilling, and harmonious existence.

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MENTIONS:

Year of Yes by Shonda Rhimes

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If you would like to learn more about investing, check out our newest class, Making Money Grow

Ep 126: Investing While in Debt Sep 04, 2023

This week on Rich & REGULAR, Kiersten and Julien tackle a topic that's hitting close to home for many: paying off debt. With a special focus on student loan debt, they explain the background of student loans as payments start up again this month. They dive into some practical tips to help prioritize and pay down debt, in addition to ways to stay on track with payments.

If the world of loans and interest rates makes your head spin, don't worry. The Saunders are here to help explain for their listeners in understandable terms. Federal student loans, private loans, origination fees, APRs – they cover it all. Tune in to hear their smart tips to help you pay off that debt faster. The big takeaway: Debt can be just one chapter in your life story, and not the whole book. So, take a breath, face the financial facts, and get inspired to be scrappy about tackling that debt head-on!

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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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If you would like to learn more about investing, check out our newest class, Making Money Grow

Ep 125: Hitting the Highway to Success: Could Trucking be Your Profitable Venture? Aug 28, 2023

Is it time to hit the road and chase those trucking dreams? The latest episode of Rich & REGULAR is taking us on a wild ride through the world of trucking! Julien and Kiersten are discussing all things trucking – the good, the bad, and whether getting into the trucking industry is a good move right now. But hold onto your hats, because they're not stopping there. They're also diving into the industry's past, present, and future. Yep, you guessed it – they're talking about AI and how it's shaking up the trucking scene and laying out who's winning big from this tech leap as well as what hiccups might be lurking around the corner.

If you're trying to figure out if this is the right time to jump into the driver's seat of your own trucking venture, this episode is for you!

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MENTIONS:

Working documentary on Netflix

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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If you would like to learn more about investing, check out our newest class, Making Money Grow

Ep 124: Stand Out and Succeed: The Power of Podcasting for Professionals Aug 21, 2023

Thinking about starting a podcast and turning it into a profitable venture? Or maybe searching for a way to differentiate yourself and get that professional competitive edge? Tune in to this week’s episode of Rich & REGULAR as Kiersten and Julien guide listeners through the ins and outs of the podcasting business. From ways to make money with podcasting to the industry's growth trajectory, they explore it all. They also break down the steps to get your podcast off the ground and scale it up whether it's a part-time pursuit or a full-fledged business.

In the podcasting arena, content rules, and Kiersten and Julien offer a balanced view of the pros and cons. They highlight the upsides and challenges that podcasting presents. As they navigate the conversation, they reveal a staggering fact: the podcast industry is projected to bring in 2.3 billion-dollars in 2023. Whether you're an aspiring podcaster or a curious listener, this episode provides an insightful peek into the ever-changing podcast landscape, offering valuable insights into achieving success in this dynamic field.

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MENTIONS:

The Stephen A. Smith Show

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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If you would like to learn more about investing, check out our newest class, Making Money Grow

Ep 123: AI Financial Tools Aug 14, 2023

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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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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If you would like to learn more about investing, check out our newest class, Making Money Grow

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

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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If you would like to learn more about investing, check out our newest class, Making Money Grow

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

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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If you would like to learn more about investing, check out our newest class, Making Money Grow

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

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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If you would like to learn more about investing, check out our newest class, Making Money Grow

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

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

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

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If you would like to learn more about investing, check out our newest class, Making Money Grow

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

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

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

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+

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

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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113: Expert Tips for Short-Term Rental Investments Jun 05, 2023

Have you ever considered the untapped potential of short-term rental investing? Are you ready to embark on an exciting investment journey that can bring in substantial profits? The world of real estate investment has seen a significant shift in recent years, with short-term rentals emerging as a highly sought-after opportunity. This week’s episode of Rich & REGULAR delves into the intriguing history of short-term rental investing, explores the rise of black-only Airbnb accommodations, and examines the crucial roles that women, people of color, and various age groups play in this evolving industry.

Brace yourself as we unravel the captivating world of short-term rental investing, exploring everything from remote work's impact to the essential costs and expert strategies for success. But the burning question remains: Are short-term rentals truly worth it? Listen in as Kiersten and Julien delve into this captivating industry, where hard work meets the promise of remarkable rewards.

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112: Unveiling the Power of Bonds: Safeguarding Your Investments in Turbulent Times May 29, 2023

Worried about the impact of market volatility? Fear not! Join us this week on Rich & REGULAR as Julien and Kiersten unravel the fascinating world of bonds and shed light on their pivotal role during economic downturns. Brace yourself for an enlightening journey through the depths of investment strategies, where we'll explore the essence of bonds, their diverse categories, and why they are the ultimate stabilizers.

What percentage of my investment portfolio should be allocated to bonds? Julien and Kiersten answer this question and more as they share their insights on finding the ideal balance between bonds and other asset classes. In an ever-changing financial landscape, where economic downturns cast their shadows, bonds can offer a lifeline of stability. Tune in this week to explore the power of bonds and harness their potential to secure your financial future. Remember, a well-crafted investment portfolio strikes a delicate balance between risk and reward, and bonds are your steadfast allies on this remarkable journey!

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111: Unveiling Modern Family Finance Trends May 22, 2023

How many Americans currently have a side hustle? What is the impact of women becoming the breadwinners for their family? Listen in on this week’s episode of rich & REGULAR for these answers and more as Julien and Kiersten take the live stage at the Morningstar conference in Chicago. Get ready for a captivating glimpse into their expertise beyond the podcast, as they shed light on the evolving landscape of modern families and its impact on financial planning.

From the impact of social media on financial influence to the evolving dynamics of income and education, the landscape of modern family finances is constantly evolving. Julien and Kiersten keep ahead of the curve by emphasizing the importance of financial services to recalibrate their approach to meet the diverse needs of modern families. So, fasten your seatbelts, embrace the winds of change, and embark on a journey of financial empowerment for modern families in an ever-changing world.

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110: Breaking the Savings Mindset: How to Shift Your Financial Focus Toward Growth May 15, 2023

How much should we save? Where do we keep our money? Is saving 10% enough? Welcome to another episode of rich & REGULAR, where Julien and Kiersten Saunders answer these questions and more. This week's topic is all about the holy grail of personal finance: saving. Julien reminds us that saving is not just a habit, it's a skill. And like all skills, it takes practice to perfect. Listen in to hear tips on where to stash your cash, how much to save, and how to know what types of savings accounts are a fit for you and your financial goals.

As Kiersten puts it, "Money is a tool for better quality of life throughout your lifespan, not just at the end of your life." Whether you're just starting or have been saving for years, there's always something new to learn about managing your money and securing your financial future.

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109: How to Take a Guilt-Free Vacation May 08, 2023

Are you yearning for a much-deserved getaway, but worried about breaking the bank? Well, fear not fellow travelers! In this week’s episode of rich & REGULAR, Julien and Kiersten help you plan a guilt-free vacation. With US hotel prices skyrocketing by a staggering 54% in January 2023 compared to the previous year, it's easy to feel like the only way to fund your travel is by taking out a second mortgage on your home. Tune in to hear the dynamic duo cover all the bases to help you save big while still planning a vacation that you'll remember for years to come.

By taking advantage of the guilt-free tips and tricks shared in this week’s episode, you can make the most of your vacation, avoid buyer’s remorse, and create lasting memories with your loved ones. So, go ahead and start planning that trip – your wallet (and your sanity) will thank you!

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Mentions:

Point.me website to save on credit card points
Flight Connections website to look at flights

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108: Sparking Your Early Retirement Dreams: A Guide to FIRE May 01, 2023

Are you tired of the traditional retirement plan of working until you're old and gray? Enter FIRE, the Financial Independence, Retire Early movement. It's like retirement, but significantly better.

In this week’s episode of rich & REGULAR, Julien and Kiersten are here to answer all the burning questions about FIRE. Who is it for? Is it sustainable? Is it just for people who eat ramen noodles every night? It turns out that FIRE can be for anyone wanting to pursue work-life balance, intentional living, minimalism…the list goes on. As Kiersten says “It's like having your cake and eating it too!” So why not give it a shot? Retiring in your 40s and living your best life sounds like the dream. Listen in to hear the Saunders outline how his dream can become reality.

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Mentions:

The Simple Path to Wealth book by JL Collins
Your Money or Your Life book by Vicki Robin
Mr. Money Mustache blog
Early Retirement Extreme book by Jacob Fisker

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107: Net Worth: How to Manage and Optimize Your Financial Future Apr 24, 2023

What exactly is net worth? How is it calculated? It’s time to debunk the myth that income is the primary measure of success and explain why net worth provides a more holistic picture of financial health.

In this week’s episode of rich & REGULAR, Julien and Kiersten Saunders caution listeners against common mistakes they've seen when it comes to building net worth and provide a variety of healthy financial habits which can be implemented in order to improve your own. By taking small, manageable steps, we can improve our financial situations. Julien reminds listeners that, “Measuring your net worth is relatively simple, but managing it can be complex.” The good news is, it's never too late to start building net worth and securing financial well-being!

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Mentions:

Personal Capital App/Website, now called Empower

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106: Types of Life Insurance Apr 17, 2023

Many of Kiersten’s family members have been involved in the insurance business, so the Saunders are smashing through the stigma and delivering the life insurance low-down this week. They mull over the purpose of life insurance and perform a cost-benefit analysis on the two types of policies, term and whole life, while offering their two cents on which one to invest in. Julien and Kiersten also answer significant questions like who qualifies for life insurance, which of the two types is best, and what lifestyle factors will increase your premium.

The soaring cost of premiums may make some people exclude insurance altogether if they don’t know the big picture, so they let listeners know what to look for and if eliminating the middleman and investing your funds in other accounts can lead to better financial outcomes. Listen along as Kiersten shares her experience with over-investing in multiple types of insurance and how she’s adjusted her strategy over the years. She advises, however, that the market is constantly changing and not always for the best for people looking for insurance, saying, “If you’re eligible to get a life insurance policy now, you should get one NOW.” Tune in to find out more!

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Learn more at richandregular.com, purchaseCashing Out: Win the Wealth Game by Walking Awayby Kiersten and Julien Saunders and follow on Instagram @richandregular. Support Rich & Regular by sharing and rating it five stars on Apple Podcasts. Check out their video podcast “Cashing Out” on YouTube.

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105: Planning For Your Retirement Apr 10, 2023

Each person’s retirement planning strategy is deeply personal. There are so many options for retirement accounts because they’re designed to be suitable for people with many different needs and lifestyles. But from 403(b)s, 501(c)3s, and 457(b)s, and other accounts, the amount of alphabet soup associated with retirement planning can be stupifying. Without financial education, confusing retirement account and tax code names can be a huge barrier for people trying to set themselves up for their future. This week, Kiersten and Julien break down all of your retirement account options and the pros and cons of each while shining a light on some murky topics like incentives, contribution limits, income ceilings, and deferred retirement account taxes.

Julien and Kiersten ask, “When should you stop contributing?” and provide some helpful guidelines and tools for listeners, including factoring in your longevity risk and using retirement calculators or Monte Carlo simulators to predict your future financial needs. Kiersten ultimately cautions listeners to plan ahead carefully, saying, “Retirement isn’t a team sport. [...] My theory is that the reason [the government does] this is so that when they don’t provide you enough at the time you need it, they can say, ‘Hey man, I gave you every unfair advantage before this, so it’s not really on me to help you figure out a solution.’ It’s not fair, but it’s the system we’re operating in.”

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Learn more at richandregular.com, purchaseCashing Out: Win the Wealth Game by Walking Awayby Kiersten and Julien Saunders and follow on Instagram @richandregular. Support Rich & Regular by sharing and rating it five stars on Apple Podcasts. Check out their video podcast “Cashing Out” on YouTube.

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104: Demystifying Tax Jargon Apr 03, 2023

Julien and Kiersten celebrate the beginning of financial literacy month (and tax season) by diving into tax jargon. There are so many things to complain about regarding taxes, but they do pay for community essentials like roads, schools, defense, social services, and more. The existing tax system was set up “to incentivize certain behaviours, things like charitable giving and homeownership…. But then, in the 1950s… [governing bodies] introduced tax write-offs as a way for businesses to reduce their taxable income, and things have just gotten more complicated since then,” says Kiersten.

Kiersten asks, “Is the juice worth the squeeze?” when it comes to learning tax codes to save money and lands on “yes,” - but with exceptions. Learning taxes is the key to unlocking wealth. You don’t want to leave deductions on the table just because you don’t know how to identify them. As Julien wryly observes, “Rich people, if there’s one thing they know, it’s taxes.” Pull back the veil of secrecy around taxes with Julien and Kiersten this week so you can get the most out of your yearly donation to the public coffers.

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Learn more at richandregular.com, purchaseCashing Out: Win the Wealth Game by Walking Awayby Kiersten and Julien Saunders and follow on Instagram @richandregular. Support Rich & Regular by sharing and rating it five stars on Apple Podcasts. Check out their video podcast “Cashing Out” on YouTube.

**SUCCESS Enterprises and its affiliates and guests do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.

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103: So What’s The Deal With Prenups? Mar 27, 2023

Divorce is rising across all generations and has nearly doubled since 1990. The numbers are no small potatoes: 50% of couples today file for divorce. Divorce is expensive - you can lose significant wealth between lawyer fees, alimony, and the general splitting of assets.

Julien and Kiersten delve into the controversial topic of prenuptial agreements in this episode. Prenuptial agreements, or “prenups,” can dictate how assets are allocated, debts will be paid, and children will be raised. Kiersten wryly observes that without a prenup, it’s a bit like building an IKEA chest without directions. Prenups are about planning for the unexpected, almost like marriage insurance. However, as vital as they are, there is a stigma around them. Follow along as the Saunders explore the ins and outs of prenups and how they ultimately might be, and Kiersten says, “the most romantic thing.”

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Learn more at richandregular.com, purchaseCashing Out: Win the Wealth Game by Walking Awayby Kiersten and Julien Saunders and follow on Instagram @richandregular. Support Rich & Regular by sharing and rating it five stars on Apple Podcasts. Check out their video podcast “Cashing Out” on YouTube.

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102: The Pros and Cons of Timeshares Mar 20, 2023

Do you love to travel? Have you considered investing in a timeshare? The Saunders discuss the value of timeshares versus regular resort rates. Kiersten used to manage the lead funnel of a timeshare directly, and Julien also dealt with timeshares as a portion of his previous work, so the Saunders both have boots-on-the-ground insights to provide.

Timeshares have a complicated, polarizing reputation. Those who love them, love them, and those who hate them, hate them. There are two types to invest in, deeded and right-to-use timeshares. While timeshares might be easier for wealthier people to swing, it’s not impossible for a sensible investor if it meets their needs. Discover the pros and cons of investing in a sold good like timeshares and why salespeople get a reputation for being pushy.Listen in as Kiersten and Julien suggest some strategies to implement for whatever stage of timeshare ownership you’re at - acquiring a timeshare, rescinding an offer, and getting out of your contract.

Learn more at richandregular.com, purchaseCashing Out: Win the Wealth Game by Walking Awayby Kiersten and Julien Saunders and follow on Instagram @richandregular. Support Rich & Regular by sharing and rating it five stars on Apple Podcasts.

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101: Why You Should Join AARP Mar 13, 2023

In this episode of The Rich & Regular podcast, The Saunders answer the question: why should you join AARP? According to the myAARPmedicare website, the American Association of Retired Persons (AARP) is “the nation's largest nonprofit, nonpartisan organisation dedicated to empowering Americans 50 and older to choose how they live as they age." While it used to have an age limit of 55 and over, AARP now allows members aged 18 and up.

So why is joining AARP a wise financial choice? A membership appeals to people across generations because of the amazing perks, discounts, and coupons offered across multiple industries and budget ranges. These categories include travel, finances, insurance, shopping, groceries, restaurants, technology, entertainment, transportation, home, real estate, and health and wellness. The organization also has a loyalty program, top-notch members-only content, and lobbying and giving back initiatives to assist seniors.

Learn more at richandregular.com, purchaseCashing Out: Win the Wealth Game by Walking Awayby Kiersten and Julien Saunders and follow on Instagram @richandregular. Support Rich & Regular by sharing and rating it five stars on Apple Podcasts.

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100: Are ‘Collectibles’ Investments? Mar 06, 2023

This is the 100th episode of “Rich & Regular,” which explores life at the intersection of money! Today we investigate the question, “Are ‘collectibles’ investments?” From limited edition Legos, comic books, stamps, alcohol, sneakers, art, jewelry, and sports memorabilia, Kiersten and Julien explore if sinking money into collections of material items is worthwhile.

Many collectibles do have appreciating value, yes. The Saunders present some of the challenges acquiring and maintaining collectibles and offer their two cents on what to consider when investing in collectibles and how to make sure you protect your collection - or at least how to get reimbursed if something does happen.

Learn more at richandregular.com, purchaseCashing Out: Win the Wealth Game by Walking Awayby Kiersten and Julien Saunders and follow on Instagram @richandregular. Support Rich & Regular by sharing and rating it five stars on Apple Podcasts.

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99: Direct Indexing with Rich Compson Feb 27, 2023

What’s the difference between mutual funds and EFTs (Exchange Traded Funds)? This week on the rich & REGULAR podcast, Kiersten and Julien ask registered investment advisor Rich Compson (Fidelity) this question and more.

Rich explains how direct indexing works, where you own a portion of all the stocks in an index, like the S&P 500. This enables you to have more personal preferences when investing, focusing on companies that reflect social or environmental values, for example. Rich also talks starting simple with investing, fractional shares, how portfolios work, and offsetting tax gains and losses.

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98: Tip Culture & Guilt Tipping Feb 20, 2023

Has tipping culture gotten out of control? The typical American spends about $700 a year tipping in restaurants. And that’s just at restaurants. Tipping is often expected in hair salons and spas and for hotel housekeeping and valet service. But the rise of mobile payment technology and fast-casual restaurants have changed who we tip and how much. And there has been a push to move away from tipping altogether.

This week, Kiersten and Julien dive into the messy conversation of tip culture. They outline AARP suggestions on what to tip for everything from buffet restaurants to electricians and plumbers. As well as how tipping has become gamified with some restaurants and delivery services requesting gratuities up front. They discuss questions like do you tip on the pre-tax amount or the total bill? And is a gift for a teacher a tip?

Mentions:

Tipped by Barbara Sloan

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97: Modern Couponing Feb 13, 2023

Coupons no longer just come as junk in the mail, but have taken new forms online with promo codes, cashback offers, and more. Credit cards can be used to find discounts, especially with apps, like the AMEX app which provides savings at local restaurants, hotels, and more. Loyalty programs and email lists are also good sources of coupon offers.

Today, Kiersten and Julien discuss tips and hacks for taking advantage of these modern coupons. They talk about what to watch out for with offers, tactics to stop impulse spending, taking advantage of gift card promotions, and how to save on travel, activities, groceries, and more.

Mentions:

Choose FI podcast
Camel Camel Camel website and browser extension
Rakuten
Ibotta
Swagbucks.com
Coupons.com
Savings.com
Cardcash.com
Giftcash.com
Raise.com
clipkard.com

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96: Tracking Cell Phone Bills Feb 06, 2023

As inflation continues to rise, cell phone bills remain a top concern for many people trying to keep their finances in check. But with the constantly changing world of mobile devices, there are now more opportunities than ever to reduce this monthly expense.

Join rich & Regular hosts Kiersten and Julien Saunders, in this must-listen episode as they explore the world of cell phone bills and offer expert tips and tricks for saving money. From negotiating with providers to finding the best plans, this episode will give you the power to take control of your cell phone bills and put more money back in your pocket. Discover simple and effective ways to reduce your cell phone costs without sacrificing quality!

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95: No Spend Challenges Jan 30, 2023

Have you ever tried to do a no spend challenge? It may seem intimidating but can be done in a way that’s tailored to your spending habits. Today, Kiersten and Julien provide all the options available for your challenge. You can focus on just one weekend a month if your spending gets out of control on weekends. Or go for a whole month of financial detox.

Create a motivational goal by deciding where the unspent money from your challenge will go, such as towards a travel fund or paying off credit card debt. They also provide tips on when to schedule a challenge during the year, or even according to the weather. As well as taking it to the next level, by earning money or learning new skills while doing a no spend challenge.

Resources:

The Year of Less: How I Stopped Shopping, Gave Away My Belongings, and Discovered Life Is Worth More Than Anything You Can Buy in a Store by Cait Flanders
Atomic Habits: An Easy & Proven Way to Build Good Habits & Break Bad Ones by James Clear
Roundup App

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94: Reposessions Jan 23, 2023

We’re in a repossession frenzy; they’re on the rise while many people are hurting financially. This week, Kiersten and Julien Saunders explain how repossessions work and how the industry is currently operating, with fewer repo companies in business and higher demand.

Kiersten and Julien discuss how to know when your car is stolen, towed, or has been repossessed. They talk about solutions if you find yourself on the bad side of a deal and unable to make payments, including what to be aware of, deficiency amounts, loan modifications, and adjusting the loan terms. They also get into how to get the best deal when selling or buying a car.

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93: Credit Card Balance Transfers Jan 16, 2023

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

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92: Medical Tourism Jan 09, 2023

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.

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91: Financial Resolutions Jan 02, 2023

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:

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90: Aldi Hype Dec 26, 2022

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

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89: Surprise Medical Bills Dec 19, 2022

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

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88: Great Resignation Dec 12, 2022

“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.

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87: Subscription Overload Dec 05, 2022

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

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

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

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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83: Scams: Protecting Yourself and Loved Ones Nov 07, 2022

Scammers love to target the vulnerable, especially in times of crisis. Do you know how to protect yourself? Julien and Kiersten (@richandregular) have fallen for scams, just like everyone else.

Today, they talk about staying vigilant to prevent yourself and loved ones from getting scammed, what to say to a potential fraudster, and what to do if your personal information has been compromised.

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82: Is LinkedIn Premium Worth It? Oct 31, 2022

LinkedIn Premium gives you superpowers, putting you in the HoV lane to better jobs and more money. Julien and Kiersten (@richandregular) feel LinkedIn is one of the most overlooked social media platforms, with only 20% of users 35 and older.

They talk about how to use it to connect, get exposure, find out what skills are in demand, and learn more about other candidates, as well as the benefits and how best to use Premium to set yourself up for future success.

Resources:
Episode 53: Upskilling to Earn More Money (Apple Podcasts)

Out now in SUCCESS magazine: “How My Experience as a Black Entrepreneur Shaped My Views on Building Financial Freedom”

Follow us on LinkedIn! linkedin.com/in/kierstensaunders and linkedin.com/in/juliensaunders

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81: Car Culture: Can We Break our Obsession? Oct 24, 2022

“We, as Americans, believe that our cars are a part of our identity.” But gas and insurance prices keep skyrocketing and we continue to buy more and bigger cars, with record high loans and monthly payments.

Kiersten and Julien Saunders (@richandregular) have different and complicated histories with cars. Today, they’re providing financial solutions for the car obsessed, including selling and downsizing, as well as car share and subscription options. Changing your relationship with your car may be one of the simplest ways to have an immediate impact on your financial well being. Listen in to find out how to take the first steps.

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80: Tips to Keep Your Holiday Spending In Check Oct 17, 2022

Consumerism reaches an all-time high during the holidays. This week, Julien and Kiersten Saunders (@richandregular) highlight the cultural expectations and seasonal changes that coax us into spending more than we should, as well as their tips for when to snag the best deals.

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79: The Perks of Going Green Oct 10, 2022

Going green is more than a personal endeavor—in many ways, lowering our carbon footprint can aid in our collective contribution to solving issues like the ones we've recently seen with Hurricane Ian and the war in Ukraine. Julien and Kiersten Saunders (@richandregular) share several ways to curb our use of natural resources and save money while doing it.

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78: Are You Too Loyal to Your Employer? Oct 03, 2022

Some perks—like solid health insurance coverage or a corner office—make a job enticing, but don't let them determine your loyalty to a company. In the wake of the quiet quitting trend, Julien and Kiersten Saunders (@richandregular) discuss why we romanticize our jobs and, conversely, why we should be willing to view them with an honest lens.

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77: The Shocking Cost of Funerals Sep 26, 2022

It's hard enough to cope with the loss of a friend or family member, much less the sticker shock that comes with laying them to rest. This week, Julien and Kiersten Saunders (@richandregular) give a line-by-line review of commons funeral costs and several tips to help curb some of the expenses.

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If you would like to learn more about investing, check out our newest class, Making Money Grow

76: Curbing Food Insecurity Sep 19, 2022

The "ramen diet" in college is often joked about, but it's an example of food insecurity. This week, Julien and Kiersten Saunders (@richandregular) define food insecurity and explain how those who are financially strapped can find meals or make smart decisions when it comes to grocery spending.

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75: Financially Preparing for a Child Sep 12, 2022

Newly released figures put the cost of raising a child at more than $300,000. This week, Julien and Kiersten Saunders (@richandregular) share the pre- and post-baby costs you need to factor into your family-planning budget, what products and maternity items you can skip buying, and their No. 1 tip when it comes to spending.

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74: Quiet Quitting Sep 05, 2022

This new workplace trend has been garnering attention on TikTok and LinkedIn. Julien and Kiersten Saunders (@richandregular) discuss the causes and repercussions of quiet quitting, and the types of employees who may benefit from establishing a workplace exit plan.

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73: Lessons from Past Recessions Aug 29, 2022

Financial experts have been predicting a recession for the last several months, so what can we expect going forward? Julien and Kiersten Saunders (@richandregular) share how to prepare for a recession, how to respond once it occurs, and the real meaning of the phrase "millionaires are made in recessions."

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72: Julien's Vasectomy Aug 22, 2022

Rising costs and the recent overturn of Roe v. Wade have been the catalyst for many men considering a vasectomy to follow through with the procedure. This week, Julien and Kiersten Saunders (@richandregular) detail the financial and social considerations that played a role in Julien's recent decision to get a vasectomy, the cost of the procedure, what happened during it, and the healing process.

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71: Buying Used vs. New Aug 15, 2022

One of the biggest ways to save money and accelerate debt payoff is to shop used. Julien and Kiersten Saunders (@richandregular) share the benefits of shopping resale sites and apps like eBay, Poshmark and Facebook Marketplace, what questions you should ask yourself before making a purchase, and how you can avoid getting scammed.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

70: Breaking Into ESG Investments Aug 08, 2022

ESG investments go beyond just financial gain. Julien and Kiersten Saunders (@richandregular) unpack the meaning and benefits behind this "value-aligned investing" method.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

69: Investing for Your Kids Aug 01, 2022

When it comes to giving your kids a leg up, estate planning isn't the only option. This week, Julien and Kiersten Saunders (@richandregular) discuss the pros and cons of several types of investment accounts that will help your kids learn money management while working toward financial security.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

68: Is Franchising Right for You? Jul 25, 2022

Investing isn't the only way to make money. This week, Julien and Kiersten Saunders (@richandregular) speak to the power of franchising. They explain how to know if owning a franchise is a fit for you, how to get one off the ground, and the best ways to cultivate a renowned brand.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

67: Conducting Your Mid-Year Financial Review Jul 18, 2022

We're halfway through the year, which means it's time to review your finances. Julien and Kiersten Saunders (@richandregular) dive into seven areas you need to audit right now to stay on top of the wealth game.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

66: Tips to Travel Smarter Jul 11, 2022

It's the peak of summer, which means travel season is in full swing. Julien and Kiersten Saunders (@richandregular) share the perks of booking direct, their favorite money-saving services, and why you should have a contingency plan.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

65: How to Enjoy Life After Debt Jul 04, 2022

Julien and Kiersten Saunders (@richandregular) cap their series on credit and debt with a discussion on what life looks like after those bills are finally all paid off. What do you do with the money that had previously been allocated toward debt payoff? How do you begin transitioning into wealth building? They answer these and other questions that arise after reaching this milestone.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

64: The Buy Now, Pay Later Dilemma Jun 27, 2022

Remember layaway? That buy now, pay later mindset is still around, making us more cash-strapped than ever before. Julien and Kiersten Saunders (@richandregular) explain the psychology behind loan language and what financing services to avoid.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

63: Take Charge of Credit Card Debt Jun 20, 2022

Despite the market groaning under increasing levels of inflation, U.S. credit card debt just hit a record-breaking $1.1 trillion dollars. This week, Julien and Kiersten Saunders (@richandregular) discuss the implications of credit card debt amid potential interest rate hikes and offer tips to keep spending at bay.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

62: Cashing Out: Win the Wealth Game by Walking Away, Part 2 Jun 13, 2022

In the second of a two-part series, Julien and Kiersten read excerpts from their new (and first ever) book, Cashing Out: Win the Wealth Game by Walking Away. They unpack the meaning of "stealth wealth" and share how to leverage the tools at your disposal to obtain financial freedom.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

61: Cashing Out: Win the Wealth Game by Walking Away Jun 06, 2022

In this week's episode, Julien and Kiersten announce their first book: Cashing Out: Win the Wealth Game by Walking Away. As part one of a two-part series, the couple explore the book-writing process, what they want readers to walk away with and how financial freedom affects every aspect of life.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

60: 3 Positive Trends in the World of Money May 30, 2022

Some of us could use a little more positivity these days, so in this week’s episode, Julien and Kiersten Saunders (@richandregular) share 3 positive trends they’re seeing in the world of money.

Full show notes and resources can be found here: www.richandregular.com/e60shownotes

Pre-order our book Cashing Out here: www.richandregular.com/cashingout

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

59: 5 Ways to Adjust Your Grocery Habits for Inflation May 23, 2022

Does your grocery bill have you weak in the knees? You’re not alone. As the US is experiencing record-levels of inflation, common grocery items are seeing double-digit increases in price. In this week’s episode, Julien and Kiersten Saunders (@richandregular) tackle how to adjust your grocery habits to prevent further eroding your financial goals.

Full show notes and resources can be found here: www.richandregular.com/e59shownotes

Pre-order our book Cashing Out here: www.richandregular.com/cashingout

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

58: What to Do if You’re Suddenly Laid Off May 16, 2022

Several tech giants have announced mass layoffs or hiring freezes recently as a reaction to market conditions. Moves like this typically cause ripples in other parts of the job market and impact other sectors. In this week’s episode, Julien and Kiersten Saunders (@richandregular) talk about what to do if you suddenly lose your primary income source.

Full show notes and resources can be found here: www.richandregular.com/e58shownotes

Pre-order our book Cashing Out here: www.richandregular.com/cashingout

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

57: Are We Heading Toward a Recession? May 09, 2022

According to a March CNBC+ Acorns Invest In You survey, 81% of adults said they think the US economy is likely to experience a recession in 2022. In this week’s episode, Julien and Kiersten Saunders (@richandregular) explain what a recession is, why it can be difficult to determine that we’re in one WHILE we’re in one, and a few tips to navigate the possibility that one is coming.

Full show notes and resources can be found here: www.richandregular.com/e57shownotes

Pre-order our book Cashing Out here: www.richandregular.com/cashingout

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

56: Working Two Remote Jobs at the Same Time May 02, 2022

You’ve likely heard of being “underemployed”, but there’s a new trend emerging called “overemployment” where knowledge workers take on two full-time remote-jobs, typically without disclosing to either company. Would you consider taking on some extra work for extra cash? In this week’s episode, Julien and Kiersten Saunders (@richandregular) discuss the pros and cons of this practice, with a few stories from our listeners.

Full show notes and resources can be found here: www.richandregular.com/e56shownotes

Pre-order our book Cashing Out here: www.richandregular.com/cashingout

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

55: Demystifying Retirement Apr 25, 2022

For many people, retirement is an elusive fantasy that feels out of reach. According to a recent article from Money, less than half of workers are confident they’ll have enough money for retirement, and another large swath of the population has a retirement plan to just work indefinitely. In this week’s episode, Julien and Kiersten Saunders (@richandregular) demystify retirement and what it requires to be in control of how your golden years are spent.

Full show notes and resources can be found here: www.richandregular.com/e55shownotes

Pre-order our book Cashing Out here: www.richandregular.com/cashingout

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

54: 5 Money Conversations to Have Today Apr 18, 2022

We’re living in an unprecedented time where many of the financial rules of thumb around inflation, retirement, and even debt are being questioned. Our mission at rich & REGULAR is to inspire better conversations about money and in this week’s episode, Julien and Kiersten Saunders (@richandregular) cover five money conversations you need to have today.

Full show notes and resources can be found here: www.richandregular.com/e54shownotes

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

53: Upskilling to Earn More Money Apr 11, 2022

“Upskilling” is one of the latest buzzwords to emerge from The Great Resignation trend and in this week’s episode, Julien and Kiersten Saunders (@richandregular) unpack what it means to upskill (and reskill) and why it’s such an important hedge to ensuring your earning power keeps pace with inflation and rising costs of living. Tune in to learn more about tools and resources available to help you identify in-demand skills and learning platforms that are created specifically for working adult learners.

Full show notes and resources can be found here: www.richandregular.com/e53shownotes

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

52: Demystifying Business Structures Apr 04, 2022

April is National Financial Literacy Month and in this week’s episode, Julien and Kiersten Saunders (@richandregular) kick it off with an explainer of a few common business structures. If you’re an experienced business owner or just thinking about dipping your toe into the world of entrepreneurship, one of the first tasks you have to do is pick a business structure. It’s easy to get confused, but once you’re clear on the advantages and disadvantages of the most common ones, you can start to determine which is best for your particular business model.

Full show notes and resources can be found here: www.richandregular.com/e52shownotes

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

51: Alternatives to Buying a House Right Now Mar 28, 2022

We’ve been watching the frenzy of the housing market for over a year now and empathize with the frustration that many people are going through. In this week’s episode, Julien and Kiersten Saunders (@richandregular) offer a potential outlet for all the anxiety by sharing 4 alternatives to buying a house right now and offering some perspective on how to think about the housing market.

Full show notes and resources can be found here: www.richandregular.com/e51shownotes

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

50: Understanding Total Stock Market Index Funds Mar 21, 2022

It’s not a secret that we’re huge fans of index fund investing as the simplest path to wealth. In this week’s episode, Julien and Kiersten Saunders (@richandregular) break down why by explaining how to read a fund’s prospectus or annual report. You’ll learn how to determine what’s driving a fund’s growth, how much it’s costing you to own it, and how to tell if your investments are on par with the market averages.

Full show notes and resources can be found here: www.richandregular.com/e50shownotes

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

49: “Can We Get a Podcast about the Metaverse?” Mar 14, 2022

We received a listener request to explain the metaverse so that’s what we did! In this week’s episode, Julien and Kiersten Saunders (@richandregular) are talking about the multi-trillion dollar opportunity that all your favorite brands and banks are clamoring to participate in: the metaverse. Listen to learn more about what the metaverse is, why people are so excited about it, and if you happen to be a believer, we cover a few ways you can invest in it today.

Full show notes and resources can be found here: www.richandregular.com/e49shownotes

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

48: It’s OK to Not Be Passionate about Your Job Mar 07, 2022

A common piece of career advice is to “follow your passion” so it never feels like work. Well, in this week’s episode, Julien and Kiersten Saunders (@richandregular) discuss how following your passion can impact your financial life based on a new book called The Trouble with Passion: How Searching for Fulfillment at Work Fosters Inequality. People who work in fields like healthcare, social work, nonprofits and education are known for their devotion, but conflating passion with long hours and overtime can lead to burnout and resentment. Tune in to learn more about the shortcomings of “follow your passion” and what to do instead.

Full show notes and resources can be found here: www.richandregular.com/e48shownotes

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

47: Media Literacy and Our Financial Lives Feb 28, 2022

Defining “financial literacy” in the 21st century means looking beyond basic math comprehension - it requires an understanding of other intersecting literacies like tech and media. In this week’s episode, Julien and Kiersten Saunders (@richandregular) cover 3 key traits of the US media industry and what implications it has to your financial life.

Full show notes and resources can be found here: www.richandregular.com/e47shownotes

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

46: How to Protect Your Valuable Items Feb 21, 2022

A common piece of financial advice is to buy insurance for what you can’t afford to replace, but how much is too much? This week, Julien and Kiersten Saunders (@richandregular) cover some common ways to protect your valuable items. Whether it’s your home, jewelry, electronics, or rare book collection, the world of insurance and warranties can get murky and requires some hands-on research. Listen to hear their best advice for navigating policies and getting the best coverage at the best price.

Full show notes and resources can be found here: www.richandregular.com/e45shownotes

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

45: You Need Financial Wisdom More than Willpower Feb 14, 2022

Philosophers have spent centuries trying to define what wisdom is and why it’s valuable to no avail. On today’s episode, Julien and Kiersten Saunders (@richandregular) unpack one of the most misunderstood traits and share new research about how wisdom may be the thing that helps you achieve your financial goals more than willpower. In it, they share insights about what wisdom is, what it’s not, and how you can begin to cultivate greater wisdom for yourself and your decisions.

Full show notes and resources can be found here: www.richandregular.com/e45shownotes

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

44: 5 Financial Don'ts Feb 07, 2022

We live in a world full of abundant information, so much so that sometimes it can feel like we have unlimited options which can lead to financial overwhelm, or even worse: analysis paralysis. The hard truth is, sometimes deciding what you’re NOT going to do is just as impactful as deciding what you are going to do. In this episode, Julien and Kiersten Saunders (@richandregular) are kicking off the month of February with a list of 5 Financial Don’ts to help you narrow down the list and take some things off the table!

Full show notes and resources can be found here: www.richandregular.com/e44shownotes

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

43: 4 Small Habits That Have Big Financial Impacts Jan 31, 2022

It’s the last day of the first month of the New Year and statistically, the majority of people have already given up on some of your resolutions. Maybe they were too big, too ambitious, or just flat out too hard…but that doesn’t mean you can’t still make progress on your financial goals. In this episode, Julien and Kiersten Saunders (@richandregular) are talking about 4 small habits that have big impacts on personal finances.

Full show notes and resources can be found here: www.richandregular.com/e43shownotes

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

42: Things to Consider Before Relocating Jan 24, 2022

According to the Chief Economist of LinkedIn, prior to the pandemic one in every 67 jobs were remote, and today it’s one in 7. This growing trend of remote work has created a lot of opportunities for more people to consider relocation for the first time in their careers. In this episode, Julien and Kiersten Saunders (@richandregular) explore a few financial and emotional considerations to think about if you’re considering taking the leap and migrating somewhere else.

Full show notes and resources can be found here: www.richandregular.com/e42shownotes

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

41: Ways to Invest Outside of the Stock Market Jan 17, 2022

By now you’ve probably seen several financial experts and influencers making their predictions about how the stock market is going to perform in 2022. In this episode, Julien and Kiersten Saunders (@richandregular) ignore all of that and talk about diversifying your portfolio beyond the stock market. While stocks have a proven track record of being a stable investment, emerging fintech platforms and recent changes in crowdfunding regulations have enabled retail investors to participate in asset classes that have been historically unavailable to them like commercial real estate, fine art and even rare wines.

Full show notes and resources can be found here: www.richandregular.com/e41shownotes

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

40: Tech Illiteracy and Our Financial Lives Jan 10, 2022

In this episode, Julien and Kiersten Saunders (@richandregular) connect the dots between tech literacy and financial literacy by exploring some of the ways your digital savviness (or lack thereof) can impact your wallet. Whether you consider yourself a gadget geek or tech-hesitant, tune into this episode. It will challenge you to keep learning and expanding your knowledge base.

Full show notes and resources can be found here: www.richandregular.com/e40shownotes

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

39: Eat Better On a Budget Jan 03, 2022

Happy New Year! If eating healthier is one of your 2022 goals, this episode is for you. In this episode, Julien and Kiersten Saunders (@richandregular) share their favorite tips and solutions for cooking more at home. Food is one of the top 3 expenses for Americans and yet over 30-40% of the food we buy is wasted. Listen now to learn their favorite tips to cross-utlize ingredients and eat better on a budget.

Full show notes and resources can be found here: www.richandregular.com/e39shownotes

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

38: Tips for setting your 2022 Financial Goals Dec 27, 2021

New Year, new goals! It’s the time of year where people are buzzing with optimism and anticipating the fresh start of a new year. In this episode, Julien and Kiersten Saunders talk about why setting purely financial goals may not be the most useful exercise and offer their best tips and lessons about how to still achieve your money aspirations without losing yourself along the way.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

37: The New Rules of Money Etiquette Dec 13, 2021

As the world continues to change at a rapid pace, we’re starting to transition away from money being a taboo subject and more and more people are being encouraged to talk about money. In this episode, Julien and Kiersten Saunders (@richandregular) talk about the thin line between being transparent and being tacky and how to navigate this new normal of openness.

Full show notes and resources can be found here: www.richandregular.com/e37shownotes

Connect with us in the Success Achievers Community! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

36: Why We Get Excited about Robo-Advisors Dec 06, 2021

Roboadvisors were one of the reasons we fundamentally knew money and investing was changing forever and the pace of change would be faster than anyone could imagine. In this episode, Julien and Kiersten Saunders (@richandregular) talk about what they are, how they work, how they differ from traditional advisors and a few recommendations on getting started.

Full show notes and resources can be found here: www.richandregular.com/e36shownotes

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

35: Things We Regret NOT Buying Nov 29, 2021

People always talk about buyers remorse, but what about the other side of that coin? In this episode, Julien and Kiersten Saunders (@richandregular) run down the list of things they regret NOT buying and if there’s a way to recognize when you’re being CHEAP (vs. frugal) in the moment or if hindsight is truly 20/20 when it comes to financial regrets.

Full show notes and resources can be found here: www.richandregular.com/e35shownotes

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

34: Unpacking Success Guilt Nov 22, 2021

In the spirit of awkward Thanksgiving conversations, this week’s episode is all about Success Guilt. In this episode, Julien and Kiersten Saunders (@richandregular) break down why some people feel less inclined to share when things are going well, and what impact that has on others. If you’ve ever felt that ping of regret immediately after sharing a financial win, this episode is for you.

Full show notes and resources can be found here: www.richandregular.com/e34shownotes

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

33: Let’s End the Debt Shame Game Nov 15, 2021

If you were to survey 1000 people to identify a feeling they associate with their debt, most of them would say “shame”. While shame can be a productive tool for some, it doesn’t work for everyone. In this episode, Julien and Kiersten Saunders (@richandregular) are talking about the relationship between shame and debt and how using shame as a motivator can actually work against you.

Full show notes and resources can be found here: www.richandregular.com/e33shownotes

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

32: What's New with Credit Nov 08, 2021

Recent enhancements to technology have changed every aspect of how we manage our financial lives; particularly in managing credit. Most people are familiar with lucrative credit card offers and loyalty programs. But today, there are even more exciting features and benefits to lure in more customers. In this episode, Julien and Kiersten Saunders (@richandregular) talk about how credit has changed over the years, what's changed in credit scoring, some emerging trends and how it all can impact your financial life.

Full show notes and resources can be found here: www.richandregular.com/e32shownotes

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

31: Have You Outgrown Your Financial Hero? Nov 01, 2021

They say you can tell what kind of ideals a person has based on who their heroes are, but what happens when you start to disagree with the people you admire most? At first you might be compelled to try to convince them to see your side, but if they can’t be swayed...then what? In this episode, Julien and Kiersten Saunders (@richandregular) discuss what it means to outgrow a financial hero and how you can recognize when it’s happening.

Full show notes and resources can be found here: www.richandregular.com/e31shownotes

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

30: Your Career Is Not Your Identity Oct 25, 2021

It’s natural to identify with the places in your life where you spend the most time and receive the most feedback, but failing to realize that who you are is not the same as what you do can be an expensive endeavor. In this episode, Julien and Kiersten Saunders (@richandregular) unpack identity and how it can be a powerful filter in the world that either increases your earning potential or decreases it.

Full show notes and resources can be found here: www.richandregular.com/e30shownotes

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

29: Frugal Home Flipping Oct 18, 2021

In this episode, Julien and Kiersten Saunders (@richandregular) discuss a recent article from the Nov/Dec issue of Success Magazine. The article features an interview with HGTV star Tarek El-Moussa where he shares his advice for new flippers, as well as where to focus your efforts if you want to protect the profit margin on your flips.

Full show notes and resources can be found here: www.richandregular.com/e29shownotes

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

28: Understanding Bull Markets Oct 11, 2021

“Buy low, sell high” is one of those money phrases that gets tossed around often...but how do you know if a low point is the lowest point? Or conversely, how do you know when a high point is at its highest and therefore know when to invest or when to sell? In this episode, Julien and Kiersten Saunders (@richandregular) explore what it means to be in a bull market and what you can do to ensure you’re not too late to the party.

Full show notes and resources can be found here: www.richandregular.com/e28shownotes

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

27: Coping with Financial Fraud Oct 04, 2021

The amount of fraud continues to rise among market and economic uncertainty. And after recently watching the Amazon Prime docuseries LulaRich, Julien and Kiersten Saunders (@richandregular) decided to tackle coping with financial fraud. In this episode, they discuss some common grifts as well as red flags and what to do to protect yourself if you’ve been defrauded.

Full show notes and resources can be found here: www.richandregular.com/e27shownotes

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

26: Employee Burnout and Rage-quitting Sep 27, 2021

We’re in the middle of the Great Resignation, and more employees are citing burnout as the reason for leaving. In this episode, Julien and Kiersten Saunders (@richandregular) discuss the latest trends and reports related to burnout, and the financial implications of “rage-quitting” or leaving a job abruptly before you have another plan. From healthcare to tax and credit implications, there are few things you should be thinking about before you make a short-term decision that has longer-term financial implications.

Full show notes and resources can be found here: www.richandregular.com/e26shownotes

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

25: Do Competitive People Make More Money? Sep 20, 2021

“Competitive” is one of those charged words that people either identify with or they don’t. It’s a word that is used to positively describe winners and negatively describe people who aren’t good team players, all at once. On this week’s episode, Julien and Kiersten Saunders (@richandregular) tackle the question: do competitive people make more money? Listen in for a nuanced discussion of how your competitiveness can either benefit or harm your financial journey.

Full show notes and resources can be found here: www.richandregular.com/listen

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

24: What to Expect in between Financial Milestones Sep 13, 2021

Goal setting is the cornerstone of wealth building, but what should you expect when you’re in between goals? What should you be planning for? In this episode Julien and Kiersten Saunders (@richandregular) discuss the financial, emotional and psychological effects of achieving financial milestones.

Full show notes and resources can be found here: www.richandregular.com/listen

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

23: Our Favorite Ways to Learn about Money Sep 06, 2021

They said when the student is ready, the teacher will appear! In this episode, Julien and Kiersten Saunders (@richandregular) talk about their favorite ways to learn about money. From books, to podcasts and even movies, there’s no shortage of modern day “teachers”. Pick one and then get your hands dirty and put all that knowledge into practice.

Full show notes and resources can be found here: www.richandregular.com/listen

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

This episode is sponsored by BELAY. Text the word SUCCESS to 55123 for your free download from BELAY or visit belaysolutions.com/success

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

22: How to Deal with the Fear of Losing Money Aug 30, 2021

If your fear of losing money is the thing that’s keeping you stuck, this episode is for you. Julien and Kiersten Saunders (@richandregular) discuss loss aversion and offer tips on how you can start to teach your brain to react differently to losses and more strongly to gains.

Full show notes and resources can be found here: www.richandregular.com/listen

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

This episode is sponsored by BELAY. Text the word SUCCESS to 55123 for your free download from BELAY or visit belaysolutions.com/success

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

21: The Joys of Different Types of Income Aug 23, 2021

Research suggests that the average millionaire has seven streams of income, and in this episode Julien and Kiersten Saunders (@richandregular) discuss some of the overlooked benefits of having multiple sources of income.

Full show notes and resources can be found here: www.richandregular.com/listen

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

This episode is sponsored by BELAY. Text the word SUCCESS to 55123 for your free download from BELAY or visit belaysolutions.com/success

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

20: When to Level Up and Pay for a Community, Course or Program Aug 16, 2021

There is a natural conflict between wanting to be better at something and trying to minimize expenses - how do you know when it’s time to level-up and pay to play? We all love free stuff, but in this episode Julien and Kiersten Saunders (@richandregular) discuss how they decide when to spend money on a community, course or program.

Full show notes and resources can be found here: www.richandregular.com/listen

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

This episode is sponsored by BELAY. Text the word SUCCESS to 55123 for your free download from BELAY or visit belaysolutions.com/success

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

19: Managing Love and Money Aug 09, 2021

Money is the leading cause of arguments in relationships and a primary factor of why half of marriages end up in divorce. In this episode, Julien and Kiersten Saunders (@richandregular) discuss an article by Emma Johnson in the September/October issue of Success Magazine about the most common financial disagreements that drive couples apart and offer some practical tips to resolve them.

Full show notes and resources can be found here: www.richandregular.com/listen

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

This episode is sponsored by BELAY. Text the word SUCCESS to 55123 for your free download from BELAY or visit belaysolutions.com/success

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

18: A Conversation with the CEO of SUCCESS Magazine Aug 02, 2021

Julien and Kiersten welcome a guest for his episode, speaking to SUCCESS CEO Glenn Sanford. They discuss Glenn's investing strategy, the mechanics of his purchase of SUCCESS and his crypto history.

This episode is sponsored by BELAY. Text the word SUCCESS to 55123 for your free download from BELAY or visit belaysolutions.com/success

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

17: The Purpose of Income Jul 26, 2021

The first time Julien and Kiersten Saunders (@richandregular) explained the Purpose of Income, they were on a campus speaking to a group of students, faculty and staff talking about what it takes to build a “Modern Money Mindset”. One of the steps was to give your income a purpose and the audience was baffled about what that meant. In this week’s episode, they walk you through the same framework they taught that group and challenge you to think about your income differently. Budgets are important, but giving your income a larger purpose will help you gain clarity on your goals, stop chasing income indefinitely and put your money to work so you don’t have to work for it.

Full show notes and resources can be found here: www.richandregular.com/listen

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

This episode is sponsored by BELAY. Text the word SUCCESS to 55123 for your free download from BELAY or visit belaysolutions.com/success

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

16: 3 Reasons to Open a Brokerage Account Jul 19, 2021

When people think about investing, they tend to default to retirement accounts. And those are great, but did you know there were accounts that didn’t penalize you for withdrawing before retirement age? In this episode, Julien and Kiersten Saunders (@richandregular) go over the features and benefits of brokerage accounts and why you should consider opening one.

Full show notes and resources can be found here: www.richandregular.com/listen

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

This episode is sponsored by BELAY. Text the word SUCCESS to 55123 for your free download from BELAY or visit belaysolutions.com/success

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

15: How to Offset the Cost of Education with a 529 Plan Jul 12, 2021

According to the 2018 Education at a Glance report, the U.S. spends more on college than almost any other country. In fact, the average college tuition in 2018 is nineteen times bigger than it was in 1971. In this episode, Julien and Kiersten Saunders (@richandregular) explain how to offset the cost of education with a 529 plan. Even if a student in your life is not college-bound, 529s are an underrated tool that can be used for K-12 education costs and other qualified education expenses like books, supplies and computers.

Full show notes and resources can be found here: www.richandregular.com/listen

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

This episode is sponsored by BELAY. Text the word SUCCESS to 55123 for your free download from BELAY or visit belaysolutions.com/success

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

14: New Ways to Experience Luxury without Ownership Jul 05, 2021

If you’ve ever used the phrase “fake it till you make it” or “treat yo’self!”, then this episode is for you. Julien and Kiersten Saunders (@richandregular) talk about new ways to experience luxury without ownership. While we love our low-key and frugal life, occasionally we like to splurge and be pampered. In this episode, we share our thoughts on the emerging “accessible luxury” economy (sometimes also referred to as the “Flex economy”. From designer clothes to private jets, we talk about ways you can experience the finer things in life without having to shell out the cash and buy it outright.

Full show notes and resources can be found here: www.richandregular.com/listen

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

This episode is sponsored by BELAY. Text the word SUCCESS to 55123 for your free download from BELAY or visit belaysolutions.com/success

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

13: Asking for Financial Help Jun 28, 2021

We all get by with a little help from our friends...or these days, strangers on the internet. In this episode, Julien and Kiersten Saunders (@richandregular) talk about asking for financial help. Whether you’re the person who needs money or you’re the person being asked for money, this episode is for you.

We’re talking about:

What to keep in mind if you’re being asked for financially assistance and need to say no
How cash-sharing and peer-to-peer giving apps changed the charity model
Tips for how to ask for financial assistance
Whether people are obligated to tell you what they need the money for
Tips for what to do if you need assistance and everybody you ask says no

Full show notes and resources can be found here: www.richandregular.com/listen

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

This episode is sponsored by BELAY. Text the word SUCCESS to 55123 for your free download from BELAY or visit belaysolutions.com/success

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

12: How to Financially Prepare for a Promotion at Work Jun 21, 2021

We’re all told to seek out promotions, but when was the last time you calculated the costs of doing business at a higher level? In this episode, Julien and Kiersten Saunders (@richandregular) dive into what comes with a big promotion and how to pursue one, while also preparing for it.

We cover:

The difference between promotions and standard cost of living increases
Practical tips for negotiating and realizing your total compensation
What an adjacent skill is and why they’re important
How promotions can be a catalyst for lifestyle inflation

Full show notes and resources can be found here: www.richandregular.com/listen

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

This episode is sponsored by BELAY. Text the word SUCCESS to 55123 for your free download from BELAY or visit belaysolutions.com/success

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

11: Imagining Your Worst-Case Scenario Jun 14, 2021

How much wisdom is in the old saying, “plan for the worst, but hope for best”? In this episode, Julien and Kiersten Saunders (@richandregular) argue against our cultural staple of indefinite optimism. There is now enough data to suggest that most working-age American’s financial forecast should include plans for a sudden job loss or significant disruption income. Nobody likes to imagine the worst case scenario, but it may be the key to building financial resilience.

We cover:

Income volatility and the probability working-age American’s income is likely to be disrupted
The most vulnerable demographic groups for wage stagnation
What the ‘Two Income Trap’ is
How to practice pessimism in the short-term and the long-term

Full show notes and resources can be found here: www.richandregular.com/listen

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

This episode is sponsored by BELAY. Text the word SUCCESS to 55123 for your free download from BELAY or visit belaysolutions.com/success

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

10: Expensive Hobbies Jun 07, 2021

Julien and Kiersten Saunders (@richandregular) discuss the costs of being a hobbyist. “Expensive” is a relative term, but some hobbies are more costly than others. What impact do your hobbies have on your financial plan?

In this episode, we talk about:

The connection between hobbies and identity
How to squeeze some cash flow out of a depreciating asset
How to handle “sneaky” hobbies that impact multiple budget categories
Ways to bring down the cost of being a foodie

Full show notes and resources can be found here: www.richandregular.com/listen

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

This episode is sponsored by BELAY. Text the word SUCCESS to 55123 for your free download from BELAY or visit belaysolutions.com/success

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

9: When Your Loved Ones Disagree with Your Financial Choices May 31, 2021

Julien and Kiersten Saunders (@richandregular) discuss the interpersonal conflict that comes with tackling a meaningful financial goal. In fact, conflict is usually a key theme in most financial advice. The harsh truth is while your self-esteem can take a hit when the people closest to you don’t support your financial decisions, it’s not a reason to stop.

In this episode, we discuss:

Conflict with others being the hardest part of wealth-building
What can happen when your financial plan is at odds with your social agenda
How a fear of moving away from home can affect your financial trajectory
How the experience of managing conflict evolves over time and across your financial journey

Full show notes and resources can be found here: www.richandregular.com/listen

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

6: Competitiveness in Relationships May 24, 2021

Julien and Kiersten Saunders (@richandregular) explore the healthy and unhealthy ways people compete in relationships -- and not just the romantic ones! Whether it’s a desire to ‘out-gift’ your partner, or a race to ‘out-earn’ your colleagues, competition in relationships can have both positive and negative effects on your financial goals.

In this episode, we discuss:

Ways competition might show up in relationships
A study that suggests friendly competition is a way to “spice things up”
The social shifts in becoming a breadwinner and the pressures associated with being one
How to manage a competitive spirit without ruining relationships

Full show notes and resources can be found here: www.richandregular.com/listen

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

8: Adjusting Your Financial Plan when Life Happens May 17, 2021

Julien and Kiersten Saunders (@richandregular) discuss three life-changing events: becoming a parent, divorce and death. What do they all have in common? They can be very, very expensive. And ironically as common as these experiences are, they are some of the least talked about topics.

In this episode, we discuss:

How to financially prepare for a child/new family member
Some best practices/resources for handling a large medical bill
Solid financial routines for married couples that may mitigate messy divorce proceedings
Estate planning and ways you can financially prepare for the inevitable.

Full show notes and resources can be found here: www.richandregular.com/listen

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

7: Financially Supporting a Parent (Our Story) May 10, 2021

Julien and Kiersten Saunders (@richandregular) are discussing their personal experience of moving their mom out of Senior housing and taking on the role of financially supporting a parent. Caring for elders and children at the same time isn’t a new concept, but a recent report suggests that modern caregivers are younger and more ethnically diverse and newer to caregiving as a whole. Millennials and Gen X’ers are feeling the squeeze.

We don’t have any magic solutions, but in this week’s episode, we share:

How Julien’s upbringing and cultural norms impacted his financial planning
What led us to step in and provide financial assistance
What it means to be part of the “sandwich generation”
Our favorite resources on navigating difficult money conversations with parents

Full show notes and resources can be found here: www.richandregular.com/listen

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

5: Credit Card Points Hacking...Is It Worth It? May 03, 2021

Julien and Kiersten Saunders (@richandregular) explore the multi-billion dollar business of selling points. Today, most credit card issuers offer consumers points as an incentive to spend more. These points can be used to reduce or even eliminate costs of something you’ve got your eye on….but is it worth it?

In this episode, we cover:

What “points hacking” is and the pros and cons of gamifying your spending
Whether rewards points are a reasonable way to lower your expenses
The unique relationship between airlines and loyalty programs
How to convert the value of any rewards currency to dollars

Full show notes and resources can be found here: www.richandregular.com/listen

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

4: Is Homeownership a Luxury? Apr 26, 2021

Julien and Kiersten Saunders (@richandregular) ask an important question: is homeownership a luxury?

The real estate industry is booming right now, but what does it mean for buyers? In this episode, we’re discussing recent trends in the real estate market and whether owning a home should be considered a luxury purchase. We cover:

What it means for a home to be affordable based on a recent survey
Affordability trends in the US
The connection between homeownership and the American Dream
The new route to homeownership for the Middle Class

Full show notes and resources can be found here: www.richandregular.com/listen

A playback of our April 22 Webinar on Income can be found here: https://richandregular.com/AprilReplay

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

3: Financial Literacy and Overcoming Hesitance Apr 19, 2021

Finance is a big topic. We have a whole podcast on it! With all of the many terms, concepts and strategies, it can be daunting to start the journey to mastering good financial practices. Julien and Kiersten talk about their own journeys on the topic and offer some advice for the best ways to start out.

Resources:

GameStop's Wild Stock Ride Exposed Our Country's Financial Illiteracy - https://www.lx.com/money/lx-natl-gamestops-wild-stock-ride-exposed-our-countrys-financial-illiteracy/32215/

For most U.S. workers, real wages have barely budged in decades - https://www.pewresearch.org/fact-tank/2018/08/07/for-most-us-workers-real-wages-have-barely-budged-for-decades/

I Will Teach You To Be Rich by Ramit Sethi - https://www.amazon.com/Will-Teach-You-Be-Rich/dp/0761147489

Rich Dad Poor Dad by Robert T. Kiyosaki - https://www.amazon.com/Rich-Dad-Poor-Teach-Middle/dp/1612680178/ref=sr_1_1?dchild=1&keywords=rich+dad+poor+dad&qid=1617281538&s=books&sr=1-1

The Wall Street Journal Complete Money and Investing Guidebook - https://www.amazon.com/Journal-Complete-Investing-Guidebook-Guidebooks-ebook/dp/B000S1LEQ0/ref=sr_1_1?dchild=1&keywords=The+Wall+Street+Journal+Complete+Money+and+Investing+Guidebook&qid=1617281706&s=books&sr=1-1

Standard and Poors Survey on Financial Literacy - https://www.kiplinger.com/article/retirement/t047-c032-s014-most-think-they-know-more-about-money-than-they-do.html

Join the SUCCESS Achievers community today for access to courses and like-minded people - https://achievers.success.com/

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

2: The Four-Letter F-Word... Fees Apr 12, 2021

Yes, you can avoid some fees just by knowing they exist, and for the rest it's being mindful of it. Factor it in when you're comparing and lean into technology. Digital banks often have fewer fees and certain budget apps will isolate your fees so you can track it like any other category.

Resources:

AARP Study on Fees - https://assets.aarp.org/rgcenter/econ/401k-fees-awareness-11.pdf

Expense Ratio Calculator - https://www.nerdwallet.com/blog/investing/mutual-fund-calculator/

Expense Ratio definition - https://www.investopedia.com/articles/investing/062113/mutual-funds-management-fees-vs-mer.asp

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

1: Introducing the Money Editors with Josh Ellis Apr 12, 2021

Julien and Kiersten Saunders are the new Money Editors for SUCCESS magazine. In their first podcast, they tell SUCCESS Editor-in-Chief Josh Ellis how they met, how they started talking about money and what they have planned for the new show.

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

Trailer Apr 09, 2021

Find out what's to come from Kiersten and Julien Saunders.

See omnystudio.com/listener for privacy information.

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

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

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

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