Your Money Mamas

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Latest Episodes:

Estate Planning, Wills Wills Wills & Destiny’s Child Apr 19, 2023

Linds & Jules tackle something no one wants to talk about but everyone needs Estate planning stuff. Know what you need in order to not make your loved ones feel tortured by your lack of preparedness when you had the chance.

Here are some resources that are mentioned.

Economic Craziness, 401k match and Brandi Carlile Oct 05, 2022

Weeeee're back for Season 2! Boy howdy has some epic shit gone down. Student loan forgiveness, inflation, rising rates, it’s a bit chaotic. But don’t worry, we’re here with some sympathy and a bit of context. We also address a classic 401k contribution vs. paying off some student debt. We then cover the amazing song "You and Me on the Rock" by Brandi Carlile.

A few things we mention:

Two Cents:

https://www.youtube.com/watch?v=9EHnyCM-5ok

Social Security and Dealing with a Spouse Who is a Financial Hot Mess Express. Jun 22, 2022

Hey! We missed you! In this episode, Linds & Jules fangirl over Jen Hatmaker, delve into the surprisingly interesting depths of Social Security and cover how to deal with a spouse who is a financial hot-mess-express.

Diversification, Talking w/kids about money & Red Hot Chili Peppers Apr 06, 2022

Linds & Jules start by talking about something they know very little about. The war in Ukraine. Then they talk about something they know slightly more about. The economy. Which leads to an inevitable discussion around how to protect yourself from the winds of economic changes as best you can through diversification. They bemoan the fact that they both love Euphoria and chat about how to talk with kids about money. Finally, we finish up with a cover of Red Hot Chili Peppers Californication. It’s a good time y’all.

They don’t actually get into any questions today because sometimes…you just wanna talk about what you wanna talk about.

Here are some resources that are mentioned.

Two Cents Episode - How to talk to your kids about money —https://www.youtube.com/watch?v=770HVHEI284
Save the Children — https://www.savethechildren.org/
International Committee for the Red Cross — https://www.icrc.org/en
Got a question/victory you’d like to share: yourmoneymamas@gmail.com

Student loans, Asset classes & Bone Thugs-N-Harmony Mar 23, 2022

This week we discuss our personal themes for 2022, Julia recounts Covid craziness and we tackle the age-old argument around following your passion vs. making money. Oh…and we talk about asset diversification. Like ya do. Here are links to some helpful things we referenced and the two questions we answered.

Student Loan Planner: https://www.studentloanplanner.com/

You Need A Budget: https://www.youneedabudget.com/

Q1 - My partner and I are approaching a major change in our life. She will be graduating from law school at the end of the year (I'm so proud of her!) and will start working in her career. She feels pressured to look for jobs that are higher paying because of the law school student debt. I don't want her to go into a sector for the money instead of passion.

Also, I have been working for several years and have paid off my student debt in that time on my own. We keep finances separate, except shared expenses where she pays a smaller percentage from less work time due to school.

I want to make her student debt a shared expense, but she is resistant to agreeing. How do we compromise on this topic?

Q2 - What distribution of assets would you recommend? What percentage of my savings should be in real estate, stocks, cash, etc..?

Stockbrokers, Fiancée Finance & Tierra Whack Mar 09, 2022

In this episode Linds & Jules get real about the value of friendship and Linds also gets into a bit of the nitty gritty of her harrowing coming out journey. They also address the following questions surrounding stock brokers and learning to budget as an engaged couple.

What is the benefit that stock brokers and intermediates offer to mankind? Is generating more money for the sake of it helping society in any way?

My fiancée and I have lived together for a year, thinking of making a joint budget.Any tips on how to avoid this feeling like a prison, or score keeping, etc... I'm conscious this will result in fights and feeling like we have to explain every purchase.Any tips of splitting the budget? This probably sounds crazy but as I earn a fair bit more, I pay for every household bill from food to mortgage, then she just puts in whatever she can that month. I'm thinking maybe we both pay the same % of our income into it? One of us gets paid weekly, one monthly too. Thanks in advance!

Links to a few things we shouted out in the episode are below!

The song we covered is Dolly by Tierra Whack:

https://open.spotify.com/track/4NO0dOw4DLH7LgKLr16HDb?si=a0a8db8ccb0d42cf

The podcast Invisibilia:

https://open.spotify.com/show/1Tgsr2BDHLSQ44YsOwoguj?si=cdWXL1FPRXWDS53itQFBXQ

Roboadvisers like the following:

https://www.betterment.com/

https://www.wealthfront.com/

Mo Math Mo Money rap music video:

https://www.youtube.com/watch?v=WbxWNMXSAOQ

The book The Spirituality of Imperfection:

https://www.amazon.com/dp/B000SEIL3G/ref=dp-kindle-redirect?_encoding=UTF8&btkr=1

Pensions, Loan Terms & Charlie Puth Feb 18, 2022

Linds and Jules are at it again (if a little late to the party) with an episode delving into the long-lost weird world of pensions and loan terms (is it better to get a short-term or long-term mortgage?). They then end the episode with a financial-themed cover of Charlie Puth’s song Attention.

Amazon addiction, 401k's & a YMM original Jan 24, 2022

In our second episode we start with strategies to curb excess spending online. Then, we talk through what a 401k is and how to decide when you should be putting money into one.

Splitting Expenses, Emergency Funds & Britney Spears Jan 12, 2022

It’s happening! In our first episode we introduce ourselves and begin to answer some of your financial questions. Today we jump right in discussing splitting expenses with a partner and some ins and outs of emergency funds.

Show Trailer Jan 07, 2022

Your Money Mamas is like a financial Dear Abby, meets irreverent musical comedy podcast!

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