This show is for 20-somethings who don't want to spend their whole life worrying about money. Have you ever asked yourself, “If money wasn’t an issue, what would I do with my life?” If not, think about it because you’ll need an answer sooner than you think, but my guess is, you have. You’ve thought about an alternative career path, starting your own business, or spending more time developing your hobbies but the major factor holding you back is money. I want to solve that problem for you. On ...
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Hot topics, college life, adulthood, dating, and much more. You don’t want to miss what’s #Real.
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Podcast by MELT
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After not being able to pay a bill because I owed the IRS. My naked neighbor across the street inspired me.
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Army Brat. History Teacher. Budding politician. PhD student. Miscellaneous foolishness. Hoosier. My journey. Support this podcast: https://podcasters.spotify.com/pod/show/ak03/support
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The Struggle is Real is a parenting journey designed to give you the tools you need to raise extraordinary children in a 21st-century world.
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My mission is to create awareness, hope, and solution around the life of a heroin addict. Both in the midst of and while in recovery. Please reach out and give me feedback as well share it with others that you know are suffering from the disease of addiction.
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Wearing heels to work, having a cervical smear test and, oh, just that small matter of bleeding once a month. The Female Struggle is Real and they’re only a handful of things we have to worry about! In this podcast I chat honestly and openly to friends, guests and experts about the daily struggles we face.(instagram: @emjorealdavies) Hosted on Acast. See acast.com/privacy for more information.
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This was inspired by my own past traumas and experiences. I hope that you enjoy my episodes and podcast i will go over these topics What is mental illness and the struggles/stigma The transition through life Drug addictions Depression my story behind it all Government conspiracys mind control And much more will come later this podcast should open up viewers minds and motivate them to want to do better and make a change! I put a link here: https://www.instagram.com/the.struggle_is.real/ for y ...
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Is Couponing Worth it, Using Your Old Student ID for Discounts, Weirdest Way You’ve Made Money, and More | E155 Joel Larsgaard, Jackie Cummings Koski, Justin Brown Woods
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Okay, this episode was so much fun to create. This is outside my normal format but equally as informative and probably more entertaining. In October, I attended FinCon, a conference for personal finance content creators. I know it is super nerdy of me but here you are listening to a personal finance podcast so you have no room to judge me. This was…
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10 Golden Rules of Personal Finance | E154 Jesse Cramer
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There are so many rules in the personal finance space. Some are helpful, others not so much. Let's set aside the bad ones for a minute (for example, stop buying avocado toast) and discuss the helpful ones. What comes to mind? I went through this practice and wrote down a bunch in preparation for an episode with Jesse Cramer on The Best Interest. I …
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You Can Afford to Leave Your Job But You’re Afraid to Quit | E153 Tess Waresmith & Nicole Franklin
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There will be a point in your FI journey when a stable salary will become less important to you. You’ve built up your savings and investments to a place where you are comfortable. The freedom and flexibility over your time are more valuable than that regular paycheck. The thought of leaving your job has you nervous though. Even after running the nu…
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Ignoring the Rules and Paving Your Own Path to FIRE | E152 Diania Merriam
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I love FI because it allows me to break the rules and live outside the norm. Like, no one has time for 40 years of traditional employment. But little did I realize I left one set of rules only to get caught up in another - the rules of personal finance. For example, let's look at one popular idea, “spend less than you earn and invest the difference…
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When Your Spouse Makes More Than You | E151 Ed Coambs
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While we still have a lot of work to do, I’m really glad we’ve made strides in closing the gender pay gap. Women's increased incomes have led to significant changes in household dynamics. More women are becoming the primary or even sole breadwinner for their family. This change is great and has led to many positives for both men and women. However,…
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Roth vs Traditional: Which is Right For You If You’re Pursuing FIRE? | E150 Rachael Camp
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It’s one of the most hotly debated topics in personal finance…Roth or Traditional? Some argue that the national debt almost guarantees higher taxes in the future and that you should choose Roth and pay your taxes now. Others argue that flexibility and low-earning retirement years should lead you to choose traditional. And of course, some “professio…
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Is the US Stock Market Too Reliant on a Few Large Companies? | E149 Erik Baskin
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Over the last couple of years, a key group of companies known as The Magnificent Seven has emerged. This group of high-performing and influential companies includes Alphabet, Amazon, Apple, Meta, Microsoft, NVIDIA, and Tesla. These companies are at the forefront of sectors such as artificial intelligence, electric vehicles, cloud computing, and dig…
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Reverse Budgeting: Low-Stress Way to Spend Guilt-Free and Keep Your Finances Healthy | E148 Peter Lazaroff
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Things can get complicated quickly in the world of personal finance. From investing and budgeting to estate planning and insurance, there are multiple ways to accomplish what you need to get done. Let’s take investing for example. There are different strategies including but not limited to passive index investing, value buying, the 3-fund portfolio…
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How to Fight About Money Without Ruining a Relationship | E147 Allie Volpe
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There are going to be differences. And these differences are what lead to disagreements. Imagine a scenario where you and your friends are booking an Airbnb for an upcoming trip. The group isn’t progressing, and you can tell by the tone people are getting frustrated. Half of the group wants a cheap option while the other half wants a nice place clo…
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5 Secrets to Make Your FIRE Journey Fun | E146 Jackie Cummings Koski
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Yes, your path to financial independence is going to take work and sacrifice but it shouldn’t be miserable. Financial independence is not worth it if it means being unhappy for decades of your life. There should be lots of moments of fun because life is precious both before and after you reach FI. So in today’s episode, Jackie Cummings Koski is bac…
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Use Flow State to Achieve More and Accelerate Your Financial Goals | E145 Justine Elizabeth
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Whether you consider yourself a writer or not, you’ve been asked to write before. This could be an essay for school, an email at work, or a caption for a post. Sometimes when we are writing, we have a complete brain fart. No matter how hard we try, the words aren’t coming out. We write a sentence and delete it. We start writing another sentence, ge…
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Why Are We So Weird When It Comes to Money | E144 Paco de Leon
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Humans are weird whenever it comes to money. We drive five miles out of the way to save a few cents on gas. We buy things we don’t need because they’re on sale. We don’t ask for a raise although we’ve been working hard at the same place for years. We all have irrational behaviors when it comes to money and a lot of this has to do with psychology. C…
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Work Optionality: A Different Way to Imagine at FIRE | E143 Rachael Camp
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Work optionality is the idea that you work because you want to, not because you have to. As you’re listening to this in your 20s, this concept might seem like a pipe dream. That’s truly fair. Most of us don’t have this luxury. We are building wealth, along with just paying our bills, and it takes income to do that. But this idea might not be as far…
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Embracing Mini-Retirements: How to Take Breaks on Your Path to FI | E142 Jillian Johnsrud
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Let’s not sugarcoat it, the path to financial independence is a grind. Even with an aggressive savings rate and an extended bull market run, you’re going to be at it for a while. Setting the hard work aside, we also have to ask ourselves, what are we racing towards? Yes, of course, financial independence and freedom, but what would you do with that…
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Retiring Early? How to Withdrawal Money from Your 401(k)Without a Penalty | E141 Sean Mullaney
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We always hear the importance of taking advantage of our 401K and IRA accounts. The tax advantages and employer match are too good to pass up on. But is this true for early retirees? If I’m planning on retiring in my 40s, should I be locking my money away in these accounts? How do I bridge the gap between early retirement and 59.5 - the age at whic…
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Does My FIRE Number Account for Inflation? | E140 Jesse Cramer
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I love playing with compound interest calculators and one equation I’m routinely calculating is the number of years until I reach financial independence. Using the 4% rule, I multiply my living expenses by 25 to get my FIRE number. I use that, my current net worth and various contribution rates to predict when I’ll reach FI. But then I started thin…
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6 Essential Skills to Have a Successful Career (and Make More Money) | E139 Dave Lamont
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As someone pursuing early financial independence, it is almost guaranteed that over time, a lot of your wealth will come from investment growth but as we all know, it takes money to make money. The first $100,000 of your net worth is a lot of hard work: you need to make income, live below your means, and aggressively save. And through all of this, …
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How to Fire Your Financial Advisor (for Those Who Don’t Like Confrontation) | E138 Tess Waresmith
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You’ve been pouring into your personal finance education and you’re starting to feel more empowered to manage your investments. You might have even played around with online calculators and realized how much that 1% advisor fee is really costing you. But years ago, when you were less confident and didn’t know better, you hired someone to help you w…
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5 Affordable Yet Fun Date Ideas | E137 Samantha Vigneau
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Dating is expensive. There is no way to sugarcoat it. Between dinner, drinks, parking, entertainment, and more…the costs quickly add up. I was reading an article and they surveyed 2,000 Americans to find out the average person has spent $3,025 over the last year on dating. That’s a little more than $250 a month and it didn’t include indirect costs …
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First Time Real Estate Investor? Don’t Make These 3 Mistakes | E136 Dustin Heiner
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If you’re interested in early retirement, you have to consider how you will afford life when a paycheck isn’t hitting your bank account every other Friday. Of course, my favorite method is investing in the stock market. This provides dividend income and the ability to sell your stocks when you need to but there is another obvious method out there -…
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Learn to Improve Your Commitment and Follow-Through | E135 Matt Worthington
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Even with an aggressive savings rate, reaching financial independence will take 10 to 15 years assuming the market plays nice with you. Stack on paying off debts and saving for large purchases like a wedding, a new car, or your first home, we can see how this is going to be an extended journey. Throughout that journey, how do we stay committed and …
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This is the REAL Meaning of Being Frugal (and It’s Not Depriving Yourself) l E134 Joel Larsgaard How to Money
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When I say the word frugal, what comes to mind? Do you think of your penny-pitching sibling? Or your coupon-clipping aunt? Your co-worker that always brings their lunch? The reality is, frugal means something different to everyone. Frugality is a spectrum, and I believe it can be extremely beneficial to live your 20s with a healthy amount of frugal…
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How to Ask for a Raise: Step-By-Step Process to Make the Ask & Actually Get It | E133 Andrew Giancola
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You’re a top performer at work. Your manager routinely praises you and you’ve been taking on more responsibilities as your team and your company grows. With all of these positive indicators, a thought has been in the back of your mind - “I deserve a raise.” Those 2 to 3% increases you’ve received the last couple of years aren’t making a major diffe…
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How to Launch a Side Hustle While Working Full-Time | E132 Genuinely Genesis
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One of the keys to building wealth is increasing your income. Most 20-somethings don’t have a savings problem, they have an income problem. You’re trying to pay off student loans, graduate from a college lifestyle, and invest for their future all while working with an entry-level salary. While I believe the fastest way to increase your income is fo…
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Migraines, temperature, Midwest, mental health, teaching, PhD, dissertation, randomness, ramblings--- Support this podcast: https://podcasters.spotify.com/pod/show/ak03/support
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Update, work, life, teaching, students, frustration, foolishness, rant, usual ramblings, history, school--- Support this podcast: https://podcasters.spotify.com/pod/show/ak03/support
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