The Money Bare

Latest Episodes:

Feeling Unfulfilled? Stop Hating Your Job with the Anti-Career Coach Danielle Roberts Jun 05, 2023

Show notes

Do you ever feel stuck in your career path and realize you don't like it? Maybe you're a nurse tired of being in nursing, but you feel like you have no skills outside of the nursing industry, or maybe you're in restaurant management, and you can't see a path outside the industry.
In this week's episode-- Clo Bare Money Coach and Danielle Roberts talk about fulfillment, how to start finding more fulfillment at work and in life, and how to ultimately transform your life.
Danielle Roberts is a fulfillment coach on a mission to help millennials change their relationship with work by redefining success and happiness on their terms. Through independently designed one-on-one containers, group programs, and workshops, Danielle works with her clients to remove what’s keeping them stuck in their soul-sucking jobs and confidently pursue more fulfilling career paths so they can enjoy more balance and beauty in their lives (and help dismantle the systems that keep them stuck).
She currently lives in St. Pete, FL, with her wife and two pups and can be found on TikTok & Instagram @darnroberts.
darngoodcoach.com
What you'll hear in this episode:

[0:55] Who is Danielle Roberts?
[6:28] Reevaluating the priorities
[9:35] Building your dream life
[13:13] Networking is crucial
[16:04] Widening your scope
[23:50] Understanding your dreams and values
[27:30] Collect data and analyze your life
[30:45] Doing the internal work
[38:40] Three steps to creating the life you love

Clo Bare Blog: clobare.com
Find me on social media at @clobaremoneycoach
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Free Money Guide: moneyrightguide.com
Free Investing Class: lazyinvestingclass.com
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This podcast is not intended as financial advice. Always do your own research and talk to your financial professional to discuss your situation. To read our full terms and conditions, head here:
TERMS AND CONDITIONS

Quick Money Tip #25: Fear and Inaction Around Money Jun 01, 2023

Show notes

How long have you been putting off opening an HYSA? Or learning how to invest? Do you feel like it's been something on your list forever, but for some reason, you can't seem to make it happen??
Well, let's talk about fear and overcoming the sometimes paralyzing impact of money fear.
Fear can wield significant power over our lives, especially when it comes to money matters. The gripping fear surrounding personal finances often results in a state of inaction, preventing individuals from taking charge of their monetary well-being. By understanding how fear affects our financial behavior, we can proactively combat its paralyzing impact and gain control over our financial future.
Fear around money can manifest in various forms, such as the fear of scarcity, fear of failure, or fear of making wrong financial decisions. These fears often stem from past experiences, societal pressure, or an overall lack of financial literacy. When left unaddressed, they can lead to a self-perpetuating cycle of inaction and financial stagnation.
In today's episode, learn how fear surrounding money can hinder financial decision-making and lead to inaction. Clo Bare will also share some effective strategies to overcome money-related fears and take control of your finances today.
Related Episodes:
Quick Money Tip #2: Why Don't You Have a High Yield Savings Account Yet?
Quick Money Tip #5: What do I do with my old 401(k)?
Quick Money Tip #12: Addressing Objections & Fears Behind Investing
I-Bonds, My Mom's Story, How It Impacted My Views of Money with Kim Daniels

The (EXPENSIVE) Hidden Truth about Financial Advisors-- even Fiduciaries with Tess Waresmith May 29, 2023

Show notes

We've talked about the shady side of financial advising. Still, as you've heard on The Money Bare podcast-- if you're going to work with a financial advisor, we always recommend working with a fiduciary who is a Certified Financial Planner. But what happens when your fiduciary professional doesn't have your best interests in mind or, at the very least, doesn't know better? Unfortunately, that happened to Tess Waresmith, and she explains how she recovered in this week's episode.
Tess is the founder of Wealth with Tess, a financial education platform helping women professionals and entrepreneurs build their wealth and confidence using simple investing strategies that anyone can do (even if they are short on time or a total beginner.)
After making many mistakes, Tess became committed to learning how to invest successfully on her own. She had one big realization - investing is not nearly as complicated as it's made out to be.
Now Tess has over 10+ years of investing experience in the stock market, real estate, and businesses, and has grown her net worth by $500,000 over the last 4 years using simple investing strategies. She also currently serves as the VP of Operations at a global marketing agency and over the last 7 years has been promoted 7 times and 4x’d her salary.
Tess believes that the most important things that money can buy are time, freedom, flexibility, and a greater ability to make an impact and she wants that for every single person.

Follow Tess on Instagram - @wealthwithtess
Follow Tess on Tik tok - @wealthwithtess
Free Investing Workshop - How to Build Wealth The Simple Way Join my next free workshop to learn how to invest in the stock market using an effective, low-maintenance strategy, perfect for busy professionals and entrepreneurs short on time or beginners.
Financial Independence Checklist - If you want to ensure you have enough money to retire but aren't sure where to start or don't know if you are behind financially, this is the checklist for you:
https://www.moneyconfidentcoach.com/financialindependencechecklist
Twenty-six need-to-know investing terms - Grab this guide to start demystifying financial jargon while you are on your financial journey.
Related Episodes:
Quick Money Tip #9: How I Increased my Net Worth by $300k in 5 Years
$1 million mistake?! Talking to My Sister About Our Biggest Money Mistakes

Quick Money Tip #24: Dealing with a Spending Frenzy & Big Clo Bare NEWS! May 25, 2023

Show notes

Ever get in a big spending frenzy where you just feel like spending all your cash? Clo Bare has-- in fact she's dealing with one now with her new move to San Diego. How do you mitigate these spending frenzies or shopping binges without completely breaking your budget? In this episode, Clo Bare talks about a few of the things she's doing to manage it all without feeling deprived.
Related Episodes:
Quick Money Tip #21: Managing Inconsistent Income
Quick Money Tip #17: Habit Stacking Your Finances
Quick Money Tip #16: Establishing Money Boundaries with Friends

Eliminate Your Medical Debt with Jared Walker from Dollar For May 22, 2023

Show notes

What if I told you that there's a secret law out there that could eliminate your medical bills or, at the very least, reduce them if you're below a certain income level? And the income level is higher than you'd think-- way higher.
Sounds too good to be true, right?
Well, it's not. It's a real thing, and Dollar For is spreading awareness about this law so people can stop paying for medical bills that they don't have to pay.
Dollar For is a non-profit organization dedicated to spreading the word about charity care. They help folks apply, either on their own or with assistance from their Patient Advocates... all for free. This week we sit down to discuss with Dollar For's founder, Jared Walker, and discuss the charity care program, how to find out if you qualify, and tips for dealing with an unexpected medical bill.
See if you qualify: dollarfor.org/gethelp
Follow on IG: https://www.instagram.com/dollarfor/
Related Episodes:
Quick Money Tip #20: Dealing with Unexpected Medical Bills
My Husband is Making me Pay for my "Luxury" Epidural
Negotiating a Medical Bill from $5k to $26?! & More Reddit Money Stories

Quick Money Tip #23: Should I pay off my credit card debt with my investments? May 18, 2023

Show notes

This week we have a special episode-- it's a listener write-in!
We had a follower reach out and ask-- should I use my investments in my brokerage account to pay off my credit card debt?
Clo Bare got the details of her budget, income, and more-- and is giving her opinion on what this listener should do.

Related Episodes:

Answering Your Money Questions: Listener Write Ins

Quick Money Tip #7: All Things Debt Payoff

Paying off $35k of Debt on a Low Income as a Single Mom with Dyana from Money Boss Mama

What is enough? Behavioral Finance with Dawn Dahlby May 15, 2023

Show notes

What are some of the big mindset blocks folks face when nearing retirement? Surprisingly-- it's about recognizing when enough is enough.
In this week's episode, we talk with Dawn Dahlby, CFP, BFA, CRPC, a certified financial planner, wealth wellness expert, and author of the upcoming book Live WELLthy™: Own Your Worth, Grow Your Wealth (Greenleaf Book Group, April 2023).
She is the country’s first behavioral financial advisor, a certification that focuses on both the emotional and practical aspects of managing money.
Related Episode:
Quick Money Tip #12: Addressing Objections and Fears Behind Investing
Quick Tip #17: Habit Stacking Your Finances

Quick Money Tip #22: Why You Don't Want an Adjustable Interest Rate Mortgage May 11, 2023

Show notes

An adjustable-rate mortgage, or ARM for short, is a home loan where the interest rate can change over time. This means that your monthly payment can go up or down depending on what happens to interest rates. That may be tempting with interest rates going up... but the problem with ARMs is that it can be hard to predict what your payment will be in the future.
If interest rates increase, your payment will increase too, which can be tough to afford. Plus, you might end up paying more in interest overall than a regular mortgage. Let's break down these mortgage rates so you can decide if it's right for you... or not.
What you'll hear in this episode:
[0:50] Road trips
[2:44] Controlling your lifestyle payments
[7:55] Money Tip: ARM
Related Episodes
Episode 52: Quick Money Tip #14: Real Estate Rant & How Much House Should You Buy??
Episode 50: Quick Money Tip #13: Burnout and Lifestyle Inflation
Episode 31: Buying a House in Cash?!
Episode 29: Is real estate investing worth it from a tax perspective?

Ending the Gender Pay Gap through Salary Negotiations with Meggie Palmer May 08, 2023

Show notes

We have all heard about the gender wage gap, but did you know it starts as early as 7 years old?! I certainly didn't, but Meggie Palmer, friend, and founder of PepTalkHer, breaks down the gender pay gap and gives us tips on how to negotiate our salaries and get paid more.
Meggie founded PepTalkHer with the mission of closing the gender pay gap. The PepTalkHer App helps you track your career successes. It uses artificial intelligence to coach confidence & negotiation and to give you a pep talk when you need it most.
The PepTalkHer team also runs corporate programming for brands, including JP Morgan & Revlon. They work in-house with companies to retain high-potential staff, running programs around confidence, negotiation & fostering an inclusive workplace.
She’s grown the passionate and devoted PepTalkHer community to more than 60,000 people and has thousands of women earn more money than they thought possible (including an $83k raise.)
What you'll hear in this episode:

[0:15] Episode and guest introduction.
[1:12] Who is Meggie Palmer?
[2:40] Gender pay gap experience
[7:08] Moving to the US from Australia & PepTalk
[13:40] Did you know PepTalk would explode like it has?
[24:35] Biggest mindset obstacles she sees
[28:50] What's stopping you from saying you want more money?
[32:30] Finding a place that values your growth
[36:50] Steps to take to get a promotion on your own
[47:20] Getting a raise if you don't have much data to show
[55:50] The importance of building relationships and gaining experiences
[1:02:30] Meggie's first money memory
Connect with Meggie:
Website: https://www.peptalkher.com/
PepTalkHer App: https://www.peptalkher.com/app
Free Negotiations Cheat Sheet: https://www.peptalkher.com/paymemore
Free Know Your Worth Live Training Challenge: https://www.peptalkher.com/challenge
IG: peptalkher
Related Episodes:
Episode 47: Career Pivots and Increasing Your Income with Career Coach Darci
Episode 24: Negotiations and Increasing Your Income with Beth Williams from Future Wallet
Episode 23: Negotiating a Six-Figure Sign On Bonus with Mandi-Woodruff-Santos from MandiMoney Makers

Quick Money Tip #21: Managing Inconsistent Income May 04, 2023

Show notes

Managing inconsistent income can be a challenging experience for many individuals, particularly freelancers, entrepreneurs, or those in the gig economy. However, with careful planning and budgeting, it is possible to maintain financial stability and peace of mind.
In this week's episode, Clo Bare talks about how to manage inconsistent income so if you're dealing with that stress, well, hopefully these tips will help you stress a little bit less.
What you'll hear in this episode:
[0:10] Life update & Cat Adventures
[4:30] Lazy Investor Course Launch & Webinar
[5:30] Life's next chapter
[7:50] Money Tip
[11:25] Dividing your expenses
Related Episodes:
Quick Tip #17: Habit Stacking Your Finances
Quick Tip #13: Burnout and Lifestyle Inflation
Quick Tip #10: Side Hustles 101
A Six-Figure Blogger in 2023??? Launching a Blog with Latasha from Arts and Budgets

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