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Couple Money Podcast

Updated 5 days ago

Business
Kids & Family
Investing
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Elle Martinez from Couple Money discusses how to build your net worth and your marriage by helping you create a financial system that works for both of you. Each episode will tackle a topic that couples deal with such as paying off debt faster, saving for the future while still enjoying today, how to invest smarter, and retiring early.

Read more

Elle Martinez from Couple Money discusses how to build your net worth and your marriage by helping you create a financial system that works for both of you. Each episode will tackle a topic that couples deal with such as paying off debt faster, saving for the future while still enjoying today, how to invest smarter, and retiring early.

iTunes Ratings

103 Ratings
Average Ratings
86
8
3
3
3

Tackle it together

By Sunliz - May 11 2018
Read more
Mixing up episode length and breaking down finance together is a great combination!

A must

By MarketBasix - Nov 22 2017
Read more
If you want to be happy in your relationship and with your money, this is a must listen.

iTunes Ratings

103 Ratings
Average Ratings
86
8
3
3
3

Tackle it together

By Sunliz - May 11 2018
Read more
Mixing up episode length and breaking down finance together is a great combination!

A must

By MarketBasix - Nov 22 2017
Read more
If you want to be happy in your relationship and with your money, this is a must listen.
Cover image of Couple Money Podcast

Couple Money Podcast

Latest release on Jan 15, 2020

Read more

Elle Martinez from Couple Money discusses how to build your net worth and your marriage by helping you create a financial system that works for both of you. Each episode will tackle a topic that couples deal with such as paying off debt faster, saving for the future while still enjoying today, how to invest smarter, and retiring early.

Rank #1: CM_005_Joint_Bank_Accounts_and_Happier_Marriages.mp3

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Oct 22 2014

17mins

Play

Rank #2: How to Fix Your Relationship and Money with Financial Therapy

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With money fights being the main cause of divorce, many couples could use some financial therapy. Learn habits and techniques you can use to make money talks less stressful and more productive!

Is Financial Therapy Right for You? 

Money problems are usually symptoms of a much deeper issue. It can be within our relationship - how we communicate or it can an issue we ourselves have like anxiety or depression.

From our personal experience and hearing from other couples, it can be more common than you think. And that matters because if you don't get to the root, it can keep popping up. And in some cases cause damage.

Financial education is crucial, but sometimes you need to a specialist. I'm not a therapist, but I do know one and she's here to help.

Kine Corder is here on the podcast to cover some problems and bumps couples experience when dealing with money.

In this episode, we get into:

  • common issues couples have when they come to her for financial therapy
  • ways to communicate better so things are less stressful with your relationship and money
  • habits to help you two move forward

Hope you enjoy! 

Resources to Get on the Same Page with Money

Learning how to work as a team isn't automatic. Here are resources to give you the tools to stop fighting about money and win. 

Jumpstart Your Marriage and Money Course

Want to give your marriage and bank account a boost? Pick up Jumpstart Your Marriage and Money course.

Jumpstart focuses on the big wins including earning more. Get LIFETIME access to a four-week course design to help you:

  • Stop fighting about money and create a budget that you BOTH LOVE
  • Automate your money
  • Pay off your debt faster Plus more!

You can get lifetime access here!

Music Credit

Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere and Logan from Music for Makers in this episode.

Apr 17 2018

16mins

Play

Rank #3: Marriage and Money: Working Together as Financial Opposites

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Are you two frustrated because you're financial opposites? Learn strategies and conversation starters so you can get on the same page and win with money! 

When Financial Opposites Attract

Money fights are an incredible source of stress with marriage when left unchecked.

it doesn't have to be that way.

There are couples who have achieved huge goals - like paying off massive amounts of debts, buying their dream home, or travel together by harness the advantages of their differences.

The key is learning how to work together even when they are financial opposites.

I usually don’t do two guests, but I wanted to show how 1 - there are certain principles that can help every couple and 2 - there are times when you have to carve your own path.

Her Money Matters author Jen Hemphill and Zeta CEO and founder Aditi Shekar join the show today.

In this episode we get into:

  • Creating your goals and money take
  • Finding a budget you’re both on board with
  • How to deal with tricky situations - like lending money to family - without straining your marriage or money

Think you’ll hear a lot of familiar stuff and get some new ideas with this episode. Hope you enjoy!

Resources to Combine Your Finances

Here are some resources to dive deep into how you two can work together as a team with your finances. 

We’re going to discuss the ins and outs of merging finances and personalities in our private Facebook group over at Thriving Families. It’s free and fun - please join us!

Zeta: Helping Couples Master Their Money Together

So happy Aditi could join us on this episode. If you two are looking for a customizable solution with your finances, please check out Zeta.

Zeta helps you stay on top of your finances together by helping you understand where your money is going. Track all of your accounts in one easy to use spot.

Stay on the same page about money! Drop memos on specific transactions, add monthly notes to remember what happened, or split spending as needed. Go to Zeta to get more info!

Support the Podcast!

Thank you so much for listening to the podcast!

  • Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.
  • Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher.
  • Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!
Music Credit

Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere.

Sep 19 2018

29mins

Play

Rank #4: How to Talk to Your Spouse About Money

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Need to talk about money, but worried about starting a fight? Learn easy and stressless ways you two can have the money talk and get on the same page with your finances! 

 

How to Talk About Money (without Starting a Fight)

While it makes for good TV drama, finding out your spouse has been hiding massive debt is so not the way to start talking about money.

But how do you do that – how do you start talking about money? Certified Financial Planner and NY Times best-selling author Carl Richards is on today to share some ways you can begin.

In this episode we get into:

  • Why it’s hard for most couples to talk about money
  • How money dates can keep things light and fun
  • Ice breakers to get the ball rolling

Hope you enjoy!

If you’d like to hear more from Carl, please listen to our first interview about creating a one-page financial plan!

Resources to Help the Money Talk Go Easier

If you two are ready, here are some fantastic resources to make talking about (and managing) money much less stressful!

Thank You to Our Sponsor Coastal!

Support for this podcast comes from Coastal Credit Union!

If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today!

Meet Carl Richards

Carl Richards is a Certified Financial Planner™ and creator of the Sketch Guy column, appearing weekly in the New York Times since 2010.

Carl has also been featured on Marketplace Money, Oprah.com, and Forbes.com. In addition, Carl has become a frequent keynote speaker at financial planning conferences and visual learning events around the world.

Through his simple sketches, Carl makes complex financial concepts easy to understand.

His sketches also serve as the foundation for his two books, The One-Page Financial Plan: A Simple Way to Be Smart About Your Money and The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money.

Keep Takeaways for Talking About Money

Before we close up I want to focus on some key takeaways I got:

  • Make talking about money a normal part of your conversations.
  • Focus on the WHY before the HOW
  • Keep it simple

If you’d like to chat more about getting on the same page with your spouse about money, please join us in our private and free FB group – Thriving Families.

We’re families looking to support and help one another out. We’re over at couplemoney.com/fb

Hope to see you there!

Support the Podcast!

Thank you so much for listening to the podcast!

  • Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.
  • Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher.
  • Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!
Music Credit

Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere.

May 23 2019

24mins

Play

Rank #5: Meal Planning Essentials for Busy Couples

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Does your food bill blow your budget? Today you'll learn how to master meal planning to save you a ton of time and money! 

How to Save with Meal Planning

One of the biggest bills couples have - especially busy ones - is their food.

Between eating out and buying food for the family, there doesn't seem to be enough money to cover everything. 

We discussed saving money when eating out a few episodes ago. Now we're looking at the other side -mastering your groceries and meals at home.

I asked my buddy Jen Smith to come on board. She's the creator of Saving with Spunk and the author of the new book Meal Planning on a Budget.

In this episode we discuss:

  • how meal planning doesn't mean leftover every night
  • the magic of slow cookers
  • how seasonal and sales eating is lower your bills and be better health wise

Hope you enjoy!

Resources to Save Money While Eating Well

Want to cut your spending on food without sacrificing quality? Here are some resources to check out.

Jumpstart Your Marriage and Money Course

Want to give your marriage and bank account a boost? Pick up Jumpstart Your Marriage and Money course.

Jumpstart focuses on the big wins including earning more. Get LIFETIME access to a four-week course design to help you:

  • Stop fighting about money and create a budget that you BOTH LOVE
  • Automate your money
  • Pay off your debt faster Plus more!

You can get lifetime access here. 

Music Credit

Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere and Logan from Music for Makers in this episode.

Jun 13 2018

20mins

Play

Rank #6: Finding Your Best Money System as a Couple

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Looking to stay on top of your money together without a complicated system? Learn how you can win with money and how HoneyFi can help you dump your debt and build wealth together!

Sep 08 2017

15mins

Play

Rank #7: How to Save More Money as a Family

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Does your family budget feel tight? Learn 3 key ways on how you can save hundreds of dollars each month while raising your kids and still having fun!

Saving More as a Family

I know that financial independence is a buzzword in the personal finance sphere. You got stories where people are saving 60, 70% of and retiring in 5, 10 years.

I commend anyone is who simplifies their lives and removes the needless excess so they can achieve the goal.

What I do see missing in some of these dramatic stories are the numbers, details, and well, relatability.

Saving 70% of a $200k income is an achievement, but so is saving 20% of a $50,000.

And to be helpful to families of different incomes, we need to look at the principles behind and it really comes down to mastering the art of living well on less.

Notice I didn’t say living on less. You do have to spend less than you earn- that’s a core financial principle - but the other is living well. This is about a financial diet where you deprive yourself just to save more. This is about a lifestyle where you nail what truly matters to you, cut out the noise, and move your money towards your dreams.

Now, before you can pay off your debts, have an emergency fund, or invest for your future you have to have some money, right?

We have to develop our muscle with saving more.

Which is why we have Ansley Fender on today. She’s a Personal Finance Coach and Writer.

Ansley helps people make sense of their money by designing spending plans that align with their goals and lifestyle preferences.

She also understands firsthand what it’s like to accumulate $100,000 in student loan and consumer debt while climbing her way out as a new mom.

In this episode, we get into:

  • How to pursue financial freedom when you want to have a life
  • Ways to have fun as a family without breaking the bank
  • How you can earn some extra cash by doing things you already enjoy

I hope you enjoy!

Resources to Save Money

Want to start boosting your savings rate? Here are some resources to check out:

Support the Podcast!

Thank you so much for listening to the podcast!

  • Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.
  • Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher.
  • Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!

Music Credit

Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere.

Jan 24 2019

15mins

Play

Rank #8: How To Dump Debt Before The Year Wraps Up

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Today we’re looking at how you can knock out a debt or two before this year wraps up!

Knock Out a Debt Quickly

Who doesn’t want to unload a debt before this year wraps up?

Paying off debt is usually one of the top three goals people make for the year, but struggle to achieve.

That’s not going to happen with you.

I want you to make some headway with your debt-free goals which why we’re finishing up with season with a call to action – we’re going to knock out debt.

Of course, to do this we need money.

There are three ways you’re going too free up money so to speak to pay off those debts faster:

  • Optimize your current budget
  • Consolidate your debts
  • Earn extra cash

We’ve talked about different ways you can save this season, with housing, cars, and how to bake in automatic savings so today I want to look at the other two options.

David Jacobs, VP of Consumer Lending at Coastal Credit Union, is going to talk about the differences between HELOCs and home equity loans.

If you going that route, you really need to understand how they work.

We’re also looking at using side hustles to earn that extra money. Can you really knock out your debts with a side gig?

Kevin is a member of our community and was kind enough to reach out to me about his experience. He’s done both delivery driving with GrubHub and ride-sharing.

What’s cool – at least to me – is that he’s an accountant in his day job. So when he did the side hustles he was tracking not only his earnings but expenses.

I think you’ll enjoy hearing his take on whether it’s a viable way to earn some extra cash.

In this episode we’ll discuss:

  • Understanding debt consolidation options with your home equity
  • Whether side hustles can be a smart way to earn extra cash to pay those debts
  • Ways to stay motivated

Let’s get started!

Resources to Pay Off a Mountain of Debt

If you two are ready to pay off your debt, here are some handy resources to check out:

Thank You to Our Sponsor Coastal!

Support for this podcast comes from Coastal Credit Union! If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today.

They want to help you achieve your biggest goals!

Support the Podcast!

Thank you so much for listening to the podcast!

  • Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.
  • Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher.
  • Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!
Music Credit

Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere and Logan from Music for Makers in this episode.

Aug 30 2019

17mins

Play

Rank #9: How to Find The Best Financial Advisor for You

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Do you feel like you guys are kind of stuck with your finances? Have you hit a wall and don't know the next move? Today I'll share how you can find the best financial advisor for you! 

Finding the Right Financial Advisor

What do you think about when you hear financial advisor?

You may have been to one of those luncheons where you get some information about investing or maybe insurance but the financial advising piece really isn't there.

It's left a bad taste in your mouth and you're wondering if it's really a smart move to hand over money to someone to manage your money.

From personal experience, there are some great financial advisers out there, ones that are not only looking at what's in your portfolio but the real big picture. sometimes, though, it takes a little bit of effort upfront to find a just the right person for the job. 

Today Michael Kay is sharing his expertise along with some tips to make the process less stressful. He's a fee-only financial planner at Financial Life Focus

In this episode we get into: 

  • questions to ask your financial advisor (including the red flag to run!)
  • looking at your finances in a holistic way
  • finding the best advisor to build wealth

Hope you enjoy! 

Resources to Find the Right Financial Planner

Want some help with your money? Here are some resources to find the best advisor for your money. 

Jumpstart Your Marriage and Money Course

Want to give your marriage and bank account a boost? Pick up Jumpstart Your Marriage and Money course.

Jumpstart focuses on the big wins including earning more. Get LIFETIME access to a four-week course design to help you:

  • Stop fighting about money and create a budget that you BOTH LOVE
  • Automate your money
  • Pay off your debt faster Plus more!

You can get lifetime access here!

Music Credit

Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere and Logan from Music for Makers in this episode.

Apr 03 2018

23mins

Play

Rank #10: How to Rethink Real Estate as an Investment to Build Wealth

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Think your home is an investment? For most people, it's not. 

Learn how to rethink real estate so you can build your wealth and become financially independent!

Buying a house is usually the biggest purchase we make.

Right now in the United States, the median price of homes that sold is $225,900.

For those living in high cost of living areas like California and DC, you’re looking at closer to 350k to $400k respectively.

Just considering the numbers, you can see that you really need to do your homework when it comes to buying your house.

A misstep or mistake can cost you a significant amount of money.

I don't want that to happen to you. When \ever you buy your home I want it to feel like a blessing and a burden.

We’ve had several episodes about the house hunting, getting a mortgage, and finding the best home for you.

Today, though, I want to get into the root of every bad decision we made when it comes to real estate - how we approach it.

I can’t even count how many people had such strong opinions when we were house hunting.

And not all of them were right.

There so many justifications for buying any house.

  • ‘You’re throwing away money when you rent’
  • ‘Take advantage of the tax savings’
  • And my favorite - ‘real estate is an investment’

People were saying this and they no idea what kind of house or neighborhood we were looking at.

That’s not to say buying a house is a mistake.

It can actually be a smart move when done right. And if you’re looking at investing and are willing to put in the work, real estate can be an income stream.

But how you approach it makes all the difference.

Which is why I asked Julien and Kiersten, the creators and the couple behind Rich and Regular to come on today.

They are not only are homeowners, but they are also real investors who are working towards financial independence.

Their properties are a part of their plan so I thought they would be perfect to talk about how to approach real estate wisely.

In this episode we’ll discuss:

  • Why they don’t consider their home an investment
  • How they got into investing in real estate
  • Their strategy around real estate to reach financial independence

Hope you enjoy!

Resources for Buying a House

If you two are ready to get the balll rolling with buying a house or start looking at real estate investing, here are some resources to check out:

Support the Podcast

Thank you so much for listening!

  • Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.
  • Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. I’d love for more couples to work together to dump their debt and pursue their dreams together! Please leave your review on Apple or Stitcher.
  • Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!

I appreciate your help. Let’s make talking about marriage and money fun!

Music Credit

Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere

Feb 06 2019

25mins

Play

Rank #11: How to Master Your Bank Accounts Together

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Ready to merge finances? Find how you can master your bank accounts together and get the most out your hard earned money! 

Master Your Bank Accounts Together

How are things going with your money? Do you feel like the two of you have a strong handle on things?

When we were first married, it took some time for us to find our footing. Besides figuring how to manage money as a team, we had to move our money because the bank we were with gave us more hassle than help.

Fast forward now and we're much happier because we found a system and banking options that work for us.

Today we're looking at how you can master your bank accounts together and get the most bang for your buck!

Joe Mecca from Coastal Credit Union is here today to help out.

In this episode, we get into
  • how to find the best way to manage your money as a couple
  • stashing your cash in the best place possible
  • managing your money like a boss

Hope you enjoy!

Resources to Get the Most Out of Your Bank Accounts

Are you two ready to master your joint accounts? Do you want to create a system that fits your priorities and styles? Here are some resources to check out.

Jumpstart Your Marriage and Money Course

Want to give your marriage and bank account a boost? Pick up Jumpstart Your Marriage and Money course.

Jumpstart focuses on the big wins including earning more. Get LIFETIME access to a four-week course design to help you:

  • Stop fighting about money and create a budget that you BOTH LOVE
  • Automate your money
  • Pay off your debt faster Plus more!

You can get lifetime access here. 

Music Credit

Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere and Logan from Music for Makers in this episode.

Feb 22 2018

15mins

Play

Rank #12: How to Raise Your Credit Score and More Marriage and Money Questions

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We open up the community mailbag again and answer your biggest marriage and money questions. Today we're discussing how to build your credit and raise your score, winning your spouse over with finances, and how to do a money date! 

Raise Your Credit Score, Money Dates, and More

Today’s episode is kind of brought by..... you.

Yep, it's community mailbag again and this time we have quite a varied plate on our hands!

I appreciate you sending your questions in.

In this episode we get into:

  • The biggest myths and bad advice about credit score
  • How to work together on tackling money
  • How money dates work for us

If you’d like your question to be a part of the next mailbag, send it here moneyqa@couplemoney.com

Hope you enjoy!

Resources to Build Your Credit and More

Here are some resources we shared on today's show to build your credit, become a team with finances, going on a money date, plus more. 

We’re going to discuss the ins and outs of merging finances and personalities in our private Facebook group over at Thriving Families. It’s free and fun – please join us!

Support the Podcast!

Thank you so much for listening to the podcast!

  • Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.
  • Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher.
  • Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!
Music Credit

Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere.

Sep 26 2018

34mins

Play

Rank #13: Reboot Your Money with an Everyday Bucket List

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Today we’re looking at how you reboot your money by not focusing on the finances!

It’s now October.

The year is officially wrapping up and for many, it’s a busy season. Do you have any plans coming up? 

This month we have a family trip planned to see some of our friends and family for Virginia. 

We're looking forward to it. 

But I also know that this time of year can also be one of reflection and review. 

We've knocked out some goals like saving up for my husband's next car, but we're still working on our big goal for the year - paying an extra $11k on our mortgage. 

How about you? How close are you to hitting your goals? 

If you’re behind on them, it’s okay. There is still time for you to reset and reboot your finances. 

And I want to help out. 

So this month I want to turn things around by doing a mini-series on the podcast.

Each week we’re going to be tackling some of the big hurdles you might be having with your goals. 

One reason I’ve noticed people get behind is that they’ve lost that some of that momentum and motivation. 

Let's be honest if you’re dealing with something big - like trying to become debt-free, you could be in it for a while depending on how much debt you have now. 

So how can you not only keep on making progress but actually enjoy yourself? 

Something that can help you is reframing your goals. 

And today, Karen Cordaway is here to talk about how. She’s the author of The Everyday Bucket List.

If you subscribe to the newsletter - and you really should ;) - you’ll remember it’s one of three books I recommended this summer. 

In this episode we’ll discuss: 

  • Move away from making financial goals to more holistic ones
  • How you can create a bucket list that fits your season of life now
  • Tools to make it easier to incorporate more fun into your routine

Let’s get started! 

Oct 03 2019

10mins

Play

Rank #14: Finding Financial Independence and Freedom as a Family

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Today Grant Sabatier, the author of Financial Freedom, goes through how he was able to become a millionaire and financially independent by 30.

More importantly, he also discusses how you can create your own path based on your goals and priorities.

Get on the Path to Financial Freedom

It’s almost the end of January, how are things going for you?

Over at our FB group, Thriving Families, I've been keeping an eye on some of the goals you’ve been sharing and I’m really impressed.

We some tackling debt, many mentioning their student loans. Meal prepping is also on the list. That’s a fantastic money saver and will help you tremendously with your health goals.

Quite a few talked about earning more, both through their regular 9-5 job as well as side hustles.

On the surface, these goals seem to go in different directions, but when we chat in the group and get into the whys behind the goals, I noticed a recurring theme.

Having more flexibility and security for our families.

And for many, that path includes reaching financial independence.

But when you’re deep in debt or just starting out, it can seem overwhelming and in some cases out of reach.

However, you can take steps now to get your finances in a great spot and open up more options for your family.

Today Grant Sabatier, the author of Financial Freedom and the creator of Millennial Money, goes through how he was able to become a millionaire and financially independent by 30.

More importantly, he also discusses how you can create your own path based on your goals and priorities.

In this episode, we get into:

  • Defining what financial independence and freedom means to you
  • Why simply cutting expenses won’t get you to where you want to go
  • How side hustles can enrich your lives and get you close to your FI dreams

Hope you enjoy!

Resources to Get on the Path to Financial Freedom

If you two are ready to make some real progress on your big goals, here are helpful resources to check out.

Connect with Grant and Millennial Money

Dubbed “The Millennial Millionaire” by CNBC, Grant Sabatier went from $2.26 to $1 million in 5 years through entrepreneurship, side hustling and investing.

After reaching financial independence at the age of 30, Grant founded Millenial Money, where he writes about making and investing money and co-hosts the Millennial Money Minutes podcast.

Since launching in 2015, Grant has reached over 10 million readers and listeners through his blog and podcast.

Grant is also the author of Financial Freedom: A Proven Path to All the Money You’ll Ever Need.

Grant has been featured in over 200 international media outlets including The New York Times, Wall Street Journal, The Washington Post, National Public Radio, Money Magazine, ABC Nightline, Chicago Tribune, USA Today, Inc. Magazine, Forbes, The Sydney Morning Herald, and many others.

Support the Podcast

Thank you so much for listening!

  • Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.
  • Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. I’d love for more couples to work together to dump their debt and pursue their dreams together! Please leave your review on Apple or Stitcher.
  • Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!

I appreciate your help. Let’s make talking about marriage and money fun!

Music Credit

Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere

Jan 30 2019

28mins

Play

Rank #15: Financial Planning: How Are We Doing With Money?

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Today we’re talking about how you two can really review the big picture and make sure you hit YOUR big money goals!

Financial Check-ups  

The first half of this year is about over, so how are you guys doing right now?

It’s funny how time seems to speed up and slow down.

Looking back we have had some big ups and downs in the past four or so weeks, both financially and in our lives.

Last month our adorable cat had some seisures and other issues and in a span of week – if that – he went from sick to passing away.

It was so fast, the vets were trying to figure out what happened.

And because a few issues, we just got his remains last week and paid his final expenses.

Thankfully we have savings, but between emergency hospital exam, tests, and his vet visits, it definitely was pricey.

Besides that weight, we had good things to celebrate.

We were invited to two baby showers and then last weekend we went to two graduation parties. And of course, they are bunched together.

But that’s life, right?

At least for us.

And I find it so easy to let certain things slip by because there are more pressing or immediate things happening.

The danger is by focusing only on the thing right in front of you, that you miss important stuff.  I don’t think money is the most important thing. I do however realize that much of our day to day and long term goals need us to be on top on our finances.

We should have a game plan for our money and a system that allows us to put in place so when things come up – and they will- our finances keep chugging along.

Which is why I’m so glad Cathrine Bryant is joining in today’s episode.

She’s a financial advisor at Coastal Wealth Management.

In this episode we’ll discuss:

  • Getting a financial snapshot and prioritizing which goal or two is your focus
  • Setting up a system to both track your money and getting into a habit of money dates
  • Finding a financial planner when you need a check-up with a professional

Let’s get started!

Resources to Stay on Top of Your Money

Want some help staying on top of your money? Here are some resources to make managing your money much easier!

Thank You to Our Sponsor Coastal!

Support for this podcast comes from Coastal Credit Union! If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today.

If you want to be better prepared financially, please consider Coastal’s Retirement Planning Program!

Support the Podcast!

Thank you so much for listening to the podcast!

  • Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.
  • Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher.
  • Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!
Music Credit

Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere.

Jun 20 2019

24mins

Play

Rank #16: How to Budget Together for Savings and Fun

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Want to stop living paycheck to paycheck, but not sure where to start? Learn how to create a budget together so you can have fun now and some savings later! 

Create a Budget You Both Love

How do you feel about your budget?

Be honest.

Chances are you're not exactly thrilled about it.

A survey conducted by Experian found that nearly half – 42% to be exact – don’t use one because they feel like they're ineffective and unnecessary.

So how do you create a budget that you both love?   Peter Polson from Tiller, one of the coolest money apps out there, is joining me today to offer some fantastic suggestions and ideas.

In this episode we'll discuss:

  • how a budget can fit into your life and grow with you through your marriage
  • how to fit your personal hobbies into your budget
  • why there is no one size fits all budget

Hope you enjoy!

Resources to Budget Together

Do you two want to get on the same page with budgets? Here are some helpful resources mentioned in the episode and more.

Budget Templates to Try Out Thank You to Our Partners

Support for this podcast comes from partners like Personal Capital. Easy to set up & easy to use. You can have all your investments, income, and expenses all pulled into one place.

Did I mention it’s free? Why don’t you give Personal Capital a try today?

May 03 2018

17mins

Play

Rank #17: How to Save for Your Biggest Goals Together

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Do you two have several dreams you want to achieve, but not making any real progress? Today I'll share how you can save for your big goals together! 

 

How to Save for Your Biggest Goals

Today we're going to tackle the three biggest hurdles to saving and achieving your goals:

  • Getting your spouse on board with saving
  • Getting on the same page with your goals
  • Finding money to save

Hope you enjoy!

Resources to Define Your Priorities and Big Goals

Whether it’s a joint or personal goal, there are handy resources available to help you two achieve your dreams.

Handy Tools to Save More Money

Here are a few of my favorite tools that make saving money much easier!

Jumpstart Your Marriage and Money Course

Want to give your marriage and bank account a boost? Pick up Jumpstart Your Marriage and Money course.

Jumpstart focuses on the big wins including earning more. Get LIFETIME access to a four-week course design to help you:

  • Stop fighting about money and create a budget that you BOTH LOVE
  • Automate your money
  • Pay off your debt faster Plus more!

You can get lifetime access here. 

Music Credit

Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere and Logan from Music for Makers in this episode.

Jun 08 2018

13mins

Play

Rank #18: How to Automate Your Money: A Guide for Busy Couples

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How do you feel about managing money? Is it something you enjoy doing or do you see paying the bills, knocking out debt, saving for your future, etc. a bit much?

When we were first married it was honestly a little overwhelming. We had the bills to pay, a car loan, and eventually student loans that were going to come due. 

The idea of getting a financial system seemed complicated.

The good news is it wasn’t.

With a little organization so we had our acct info in front of us. It was a one evening thing. 

And it’s made a huge difference for us. 

We’ve paid off over $30,000 of debt, bought our cars with cash, started investing for retirement, and giving more.

Through the years, we’ve had to take a step back to help out loved ones and deal with our family. With two little ones as our priority, we sometimes have put money conversations on the back burner.

The automated system allowed us to still take care of the essentials and not miss a beat. 

But I also know that the idea of setting up a system sounds like a ton of work.

Truth is the initial set up typically isn’t as difficult as you think and the benefits are more than just the money. 

To make this easier we’re going over: 

  • Peek into Our System so You Have a Real Life Example
  • Setting Up Your Financial System
  • Tools and Apps to Make it Easier to Set up and Track Your Money

I hope you enjoy! 

Thank You to Our Sponsor Coastal!

Support for this podcast comes from Coastal Credit Union! If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today.

They have fantastic options to make online banking easy!

Resources to Stay on Top of Your Money

Here are some resources to make managing your money much easier!

Support the Podcast!

Thank you so much for listening to the podcast!

  • Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.
  • Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher.
  • Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!
Music Credit

Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere.

Jul 12 2019

18mins

Play

Rank #19: Marriage and Money Q&A: Bigger Paychecks, Best Money Tools, and More

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Today I'm opening up the community mailbag and answering your biggest marriage and money questions!

How do you maximize your paychecks while still making sure you don't owe the IRS come tax time?

How do you tackle multiple goals and make real progress on them? 

Marriage and Money Mailbag

We're here - the summer of savings finale!

It's been an incredible and fun six weeks. I hope you got inspired with ways you can save money while still having a good time now.

And I thought the best way to wrap things up is to chat with you and answering marriage and money questions. In this episode we go over:

  • maximize your paychecks
  • knocking out several goals
  • best money tools for busy couples

Hope you enjoy!

Resources to Help You Tackle Marriage and Money

Want to jump in and get your finances squared away? Here are some cool tools and resources to make mastering your money easier!

Jumpstart Your Marriage and Money Course

Want to give your marriage and bank account a boost? Pick up Jumpstart Your Marriage and Money course.

Jumpstart focuses on the big wins including earning more. Get LIFETIME access to a four-week course design to help you:

  • Stop fighting about money and create a budget that you BOTH LOVE
  • Automate your money
  • Pay off your debt faster Plus more!

You can get lifetime access here!

Music Credit

Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere.

Jul 18 2018

17mins

Play

Rank #20: Answering your Big Marriage and Money Questions (Pt 1)

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Today we're answering your big marriage and money questions. We'll discuss lending money to family, getting the best deal on insurance, and seeing if those high deductible health insurance plans really save you money! 

This week we're doing a community mailbag show where I answer what's on your mind with marriage and money. In today's episode we cover quite a few things:

  • how to save money on insurance
  • finding out if those high deductible health plans are really good
  • whether or not you should love to family

Hope you enjoy! 

Thank you for sending these in. 

 

Jumpstart Your Marriage and Money Course

Want to give your marriage and bank account a boost? Pick up Jumpstart Your Marriage and Money course.

Jumpstart focuses on the big wins including earning more. Get LIFETIME access to a four-week course design to help you:

  • Stop fighting about money and create a budget that you BOTH LOVE
  • Automate your money
  • Pay off your debt faster Plus more!

You can get lifetime access here. 

Music Credit

Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere and Logan from Music for Makers in this episode.

Feb 02 2018

17mins

Play

How to Build Income Streams to Knock Out Your Money Goals Faster

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Are you looking to speed things up with your money goals? We’ll look at how you can earn extra money on the side so you can build your net worth!

Earning Money from Side Hustles is Only One Path

Many couples want to pay off debt faster, save for a house or start investing and the problem is cashflow is currently tight.

Real tight. 

One of the things I suggest is looking at your budget, but sometimes the issue is that there isn’t enough income coming in. 

Whether it’s through a one time occasional deal like selling your stuff, running a side hustle, or starting a possible career change, it’s going to take work. 

So before you make the leap, I thought it would be helpful to get an idea of the different ways you can earn more this year. 

My hope is that you’ll get a better idea of what would best for your situation and goals. 

Today’s guest Joseph Hogue is a personal finance author and creator of Let’s Talk Money who has built several income streams into businesses.

I also have Louis Guillama, Vice President of Real Estate Operations at Coastal Credit Union sharing his take about the pros and cons of getting into real estate. 

In this episode we’ll go over:

  • Finding opportunities to earn income when your schedule is tight
  • Breaking into the gig and side hustle economy
  • Thinking long term and get more involved with your  income streams by looking at real estate investing

Let’s get started! 

Resources to Start Earning More Money on the Side

If you’re looking to earn more so you can knock out your big money goal, here are some resources to check out. 

Thank You to Our Sponsor Coastal!

Support for this podcast comes from Coastal Credit Union. If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today!

We’ve been Coastal members for a few years have been happy with their services.

They have wonderful services and accounts to make saving easier including their competitive money market accounts!

Support the Podcast! 

If you enjoyed this episode and found it helpful, here are some ways to support it.

  • Spread the word. If you have friends who could boost their savings, please share this episode with them on social media or just email the link!  
  • Leave a review. Every review helps! Please share your honest feedback on Apple Podcasts or Stitcher
  • Visit our Couple Money Toolkit for more info on available apps, tools, and services to master your money together.
  • Become a Patron. 
Special Thanks! 

Like the music in this episode? Our theme song is by Gentle Regime. I also want to thank Lee Rosevere for music in this episode.

Jan 15 2020

20mins

Play

How to Become Super Savers This Year

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Whether you’re saving for emergencies, a vacation, or a house, you have to have some way to stash away that money.

We’ll look at some popular savings hacks and how to find the best savings option for you!

Are you saving up for something big this year? If you are, you have plenty of company. 

Fidelity released its 2020 New Year Financial Resolutions Study and found that 53% of those surveyed who were planning on working these finances had saving more as their goal

That’s great news considering on average, we’re not really saving enough. 

According to GoBankingRates when they asked more than 5,000 adults their savings balance, 58% had less than $1000 saved and 32% admitted to not having anything at all in their savings. 

That is a really vulnerable position to be in. 

So if you want to turn things around and really ramp up your savings, I think you’ll enjoy today’s episode. 

I’m sharing the best tips and stories from one of the super savers and favorite guests I’ve had on this podcast.  

Financial educator and Journey to Launch creator Jamila Souffrant and her husband saved over $80k  one year while living in NYC

More interestingly is how she was able to get him on board. Great ideas on how to approach not just the process, but enjoy the journey together. 

Joe Mecca from Coastal Credit Union and another super saver is also back on to break down his goals for this year and how he’s saving for them. 

In this episode we’re looking at: 

  • why your savings rate matters
  • Where and how to get started with savings in your budget
  • how to set things up so you’re automatically saving more while still enjoying life

Let’s get started! 

Want to start boosting your savings rate? Here are some resources to check out:

Support the Podcast! 

If you enjoyed this episode and found it helpful, here are some ways to support it.

  • Spread the word. If you have friends who could boost their savings, please share this episode with them on social media or just email the link!  
  • Leave a review. Every review helps! Please share your honest feedback on Apple Podcasts or Stitcher
  • Visit our Couple Money Toolkit for more info on available apps, tools, and services to master your money together.
  • Become a Patron. 
Special Thanks! 

Like the music in this episode? Our theme song is by Gentle Regime. I also want to thank Lee Rosevere for music in this episode.

Jan 09 2020

15mins

Play

How to Get Out of Debt This Year as a Couple

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One of the top three financial goals people have is getting out of debt, but few actually knock it out. Today we’re diving into key money systems couples have used to become debt-free!

Best Strategies for Couples to Dump Debt Faster

How are you doing?! I hope you’re having a wonderful week.

We’re back. New Year, a new season of the podcast.

I want to start off by saying thank you. Your support has been incredible and because of it, we’re here for season 10!

When I started the site Couple Money and even the podcast a few years, my goal was pretty simple.

Help couples not only get their finances in a good spot but find a way for money to be a way to work together instead of being a source of stress.

Whether you’re paying down debt, saving for a dream, or going down the path of financial independence, the main focus is doing it as a team.

We’ll definitely be covering that this season again, but there’s another issue I’ve been seeing that has added a layer of unnecessary stress when it comes to finances.

As I look at my newsfeed on my phone or catch some stories that get picked up, I just see this trend of HUGE stories.

Debt-free stories where the couples have paid massive amounts of debt – six-figures- in a crazy short amount of time.

Couples who have saved 60%, 70% of their income in a year.

These are incredible stories and I’ve found them at times to be motivating and challenging us to look at how we spend money.

I’ve even had a few of them on the podcast.

However, when these are the stories that get picked up again, and again, you kind of get a bit fatigued and when the headlines only tell part of the story – like the fact they were making incredible amounts of money, then you can feel discouraged.

Add on that many of these stories don’t talk about that key step – aligning your goals and getting on the same page.

If you’re not there, then you almost can feel like throwing up your arms and just giving up.

I don’t want to give up. I would love for you to tackle those big goals, but more importantly, I want you two to feel comfortable and excited about the plan you two carved out for yourselves.

How?

By acknowledging while there are certain financial principles that are incredibly helpful, we all have different approaches to how we tackle our goals.

Today we’re going to do that with one of the most common goals families have with their finances – paying off their debts.

Today I want to share some guests we’ve had on the show who have become debt-free, but had different amounts and time tables.

In this episode we’re looking at:

  • The step by step process of how to set up a system to pay off your debt faster
  • Some of the most common hangups couples have with becoming debt-free
  • Tools and apps to make it easier

Let’s get started!

If you’re looking for some more inspiration, tactics, and encouragement about becoming debt-free together, please check out my interview with Chris Browning.

Resources to Pay Off a Mountain of Debt

If you two are ready to pay off your debt, here are some handy resources to check out:

Thank You to Our Sponsor Coastal!

Support for this podcast comes from Coastal Credit Union. If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today!

We’ve been Coastal members for a few years have been happy with their services.

They want to help you achieve your biggest goals faster and as a team!

Your Debt-Free Plan

And if you want to discuss this more – ask questions, swap ideas, and maybe get a debt-free strategy set up – don’t forget to join us in the Thriving Families group on Facebook.

Our goal is to help one another out. Hope to see you there!

Support the Podcast!

Thank you so much for listening to the podcast!

  • Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.
  • Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher.
  • Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!
Music Credit

Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere.

Jan 01 2020

25mins

Play

5 Easy Ways to Simplify and Reboot Your Money

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Money can be a huge source of stress, but it doesn’t have to be.

Today I’m going to share 5 ways you can simplify your finances so you two can enjoy your marriage and money!

Simplify and Reboot Your Money

How do you feel about the progress you’ve made this year with your finances?

If you’re not quite happy with where you are right now, don’t panic. There’s still plenty of time to reset and reboot things with your money.

Since my Dump Debt Together session aired last Monday as part of the Mamas Talk Money Summit, I have been keeping busy answering some of your questions about changing things up for the better.

I’ve noticed that the biggest concern is getting the ball rolling.

You’re more than welcome to dig around the site and podcast. With over 1,000 articles and 300+ episodes, we cover a lot here on Couple Money.

But I know that approach can make you feel overwhelmed so today I want to wrap up this special series on the podcast with how you can get started.

In this episode we’ll look at:

  • habits to develop that will make your finances much easier to handle
  • key numbers to track (and which to pass on)
  • An easy way to reboot your money

Hope you enjoy!

Resources to Hit Your Money Goals

If you two are looking to improve how you talk and work together with your finances (and lives), please check out these resources.

If you want to discuss talking with your spouse about money, ask questions, or share your own tips please join us over at Thriving Families on Facebook.

5 Ways to Simplify Your Finances

Whether you’re the spreadsheet king or queen or more the big-picture person, I think we can all agree that we want to streamline our finances so you can focus on the people and things that matter to us.

You can really dive into the weeds with finances and debate the minute, but if you’re looking for big wins not only with your money but your marriage, here are 5 things you need to focus on.

#1: Go on Regular Money Dates

Why do I talk about money dates so much? It’s because they work!

Pretty much every couple whose paid down debt, saved a significant amount, or is on the path to financial freedom does this.

They may call it something else (like Andy and Nicole with their budget parties 🙂 ), but the idea is the same.

Having a regular time where you’re in a relaxing and low key environment to get together to discuss your dreams and your money

It can be a night out at one of your favorite restaurants or you’re just in the backyard relaxing with a glass of wine by the firepit.

Wherever and however you have your money date, you want to make sure you look at the goals you’ve created together (your WHY) and then review your numbers.

Knowing your budget, your monthly cash flow, and net worth is smart.

If you’re not sure how to start or even begin the conversation about finances, pick up my Jumpstart Your Marriage and Your Money.

I take you step by step through money dates, with conversation starters and ice breaks. I also share a 4-week plan to get you two on the same page with money.

#2 Switch to a 50/30/20 Budget

If the idea of making a budget makes you break out in hives, then you have to switch things up.

Typically when someone is complaining about a budget, there are a few key reasons. The root of it for many is that there’s no room in the budget for what matters to you. It’s so strict, you can’t any fun with things.

And while that might look like a good idea on paper – you think you’re going to get out of debt faster or hit your goal sooner – it’s usually an exercise in frustration.

Sustainable is the way to go and for most couples, it’s a process and one of the best budgets to get you started on that path is the 50/30/20.

As you probably figured out, your money (net income in this case) goes into one of three ‘buckets’ of expenses.

  • 50% Essentials: This covers your ‘needs’ like rent/mortgage, food, utilities, and necessary transportation.
  • 20% Financial Priorities: This money is allocated for your future such as investing for retirement and taking care of important money goals now like having an emergency fund and paying off your debt.
  • 30% Wants: These are your lifestyle choices. What do you two enjoy?
#3: Automate Your Budget

A simple trick that’s helped us is scheduling the bills to come out 48 hours after the deposits gone in.

You can use track your progress with apps and options such as:

  • Personal Capital – If you have a ton of accounts between you, this makes it easy to sort them out.
  • Tiller – Love how easily you can customize it based on your unique budget.
  • Zeta – Created for couples, by couples, Zeta is designed around how you two want to share your accounts.
  • Honeyfi – One of the first on the couple money app scene and very focused on getting you to share goals.
  • Mint – If you’re looking to get a handle on your budget, Mint is a very visual way to see what’s happening.

Don’t forget that along with bills, you want to automate things like your debt snowball or if savings if that’s your goal.

#4: Only Use Cash When Eating Out

Chances are eating out is a big expense with your monthly budget. Those quick lunches with coworkers seem small, but those constant convenient and on the go meals typically add up to more than you estimated.

Something that I’ve seen that’s helped me curb my spending is using cash.

There are families that like to use cash for multiple expenses and they stash them into different envelopes to track things down, but for me, that was too much work.

I’ve found that just using cash for lunches keeps me aware of what I‘m spending and minimizes me breaking the budget.

#5: Develop Laser Focus on Your Goals

Don’t try to work on all your expenses across the board. You can burn out quickly trying to slash multiple expenses at once.

I think one reason systems like Dave Ramsey’s baby steps are so effective is that they have you laster focus in on one step or goal at a time.

You begin with a starter emergency fund, then it’s all in with paying down debt, then you can fully fund your savings, and so on.

While you don’t have to be as gazelle intense as some people are – it can actually backfire with getting your spouse on board – having a priority can be powerful.

Want to optimize your spending? Try monthly challenges with one thing. Give the cash envelope a go next month.

I want you to build better habits, not go for quick wins that get undone by the next month.

If you’re pressed for time, there are options like Trim that can save you money by canceling subscriptions, finding deals with insurance, or negotiating with your cable bill.

Just focus on one thing at a time each month and by the end of the year, you’ll have some big wins.

Support the Podcast!

Thank you so much for listening to the podcast!

  • Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.
  • Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher.
  • Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!
Music Credit

Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere 

Oct 30 2019

11mins

Play

Mindset, Micro Habits, and Mamas Talking About Money

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Today we’re into how you can shift into your debt-free journey with one question!

Dump Debt Together

It’s on!

All this week the Mamas Talk Money Summit is hosting sessions about family finances, investing, career, and kids. 

My session was out Monday night – Dump Debt Together (When You Can’t Agree How). 

I had a fantastic time! While the session was on, I was live in the chat speaking and answering questions about how to get your spouse on board with knocking out this debt. 

People had some wonderful questions and were kind enough to share their biggest money challenges. 

We got into creating a budget when one spouse has irregular income, secrete debts, and conversation starters for those initial chats about money. 

But I’m not the speaker in this event. There are about 40 amazing mama speakers that are a part of the summit and their sessions cover not only the ‘essential’ goals like paying off debt, saving, and investing but also topics they may not have as much exposure or have accessible resources.

Brynne Conroy is one of the speakers. She’s going to be this Friday as part of the kids and money sessions. 

I’ve had her on the podcast when she released her book, The Feminist Financial Handbook. She’s also the creator of Personal Finance By Women. 

Her session is Managing Your Finances With a Special Needs Child. 

In this episode we’ll look at:

  • Why Brynne’s session is needed
  • One activity you can do to get your spouse on board with becoming debt-free

Hope you enjoy!

Resources to Hit Your Money Goals

If you two are looking to improve how you talk and work together with your finances (and lives), please check out these resources.

If you want to discuss talking with your spouse about money, ask questions, or share your own tips please join us over at Thriving Families on Facebook.

Support the Podcast!

Thank you so much for listening to the podcast!

  • Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.
  • Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher.
  • Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!
Music Credit

Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere 

Oct 23 2019

12mins

Play

How to Work Through Your Money Issues as a Couple

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Can’t agree on how to tackle your finances? Learn how you work together on some of your biggest money issues!

Working Through Money Issues Together

Last month, in the newsletter I mentioned that for October I was going to be focused on the theme of r resetting and rebooting your finances so you can hit your goals before 2019 ends.

I’m doing a special mini-series this month on the podcast, but that’s not the only project I’m doing.

I’m also a part of a big event happening next week that follows this idea of pushing through on your financial goals – The Mama Talk Money Summit.

The event is happening next week – October 21st through 25th.

All week during the summit, there will be sessions from over 40 incredibly financially savvy mamas and speakers. We’re talking all about:

  • Family Finance
  • Investing, Retirement & Estate Planning
  • Career & Business
  • Teaching Kids About Money

And much, MUCH more!

So whether you’re trying to knock that credit debt, get some savings stashed away, or are looking to invest for long term goals, this summit will have at least a few sessions that can help you make it happen.

And 2019 Mamas Talk Money Summit is a FREE conference that’s 100% online!

This was an important point for me because I know we’re all at different points in our financial journey, so having it be free to register was one of the reasons I wanted to join in.

The reason I’m bringing this summit up is 1) I think it’s an incredible event and resource and 2) my session is going to be about a specific hurdle that we as couples can sometimes have when we’re trying to improve our finances, such as paying off debt.

In fact, my session is called Dump Debt Together (When You Can’t Agree How).

So you’re all ready to knock debt out, but your spouse….not so much.

I’ll be sharing some ways you can dig into the real reason they’re hesitating and some ways you can use that to come up with a debt-free plan they’d want to join in on.

So if you’d like to grab your free pass, catch that session and more, please just head over here.

So the session will be a deep dive on the topic, but I want to touch on today this idea of trying to get on the same page.

Adam Kol is joining me today.

He’s a former Tax Attorney and a Certified Mediator who is now focusing on helping couples working through some of their issues.

Today we’re going to take a situation and question from someone in the community.

In this episode we’ll look at:

  • Questions to ask to get your spouse to open up
  • How to use what-if scenarios to work through issues
  • Working to keep things open and honest so that you’re making the progress you want together

Hope you enjoy!

Resources to Hit Your Money Goals

If you two are looking to improve how you talk and work together with your finances (and lives), please check out these resources.

If you want to discuss talking with your spouse about money, ask questions, or share your own tips please join us over at Thriving Families on Facebook.

Adam Kol: Couples Financial Counselor

He’s a former Tax Attorney and a Certified Mediator who is now focusing on helping couples working through some of their issues as a couples financial counselor.

Adam is providing individually-crafted, fundamentally-sound Couples Financial Counseling and training.

Support the Podcast!

Thank you so much for listening to the podcast!

  • Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.
  • Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher.
  • Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!
Music Credit

Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere 

Oct 16 2019

13mins

Play

How to Set and Reach Your Big Financial Goals

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Learn how you can create goals to achieve your big financial goals while avoiding burn out!

Knocking Out Your Big Financial Goals

When we started this mini-series last week about rebooting your money, I talked about how to hit those goals you have to change things up a bit.

Karen Cordaway went over how we could reframe things around the quality of our lives.

It’s not paying off debt, it’s about having money to travel more. You’re not just saving money in the bank, you’re giving yourself a building a sizable downpayment to buy a house.

This can be a powerful way to motivate yourself.

There’s another side to that puzzle – creating the goals themselves.

Since most people don’t achieve those big results that they hope for, is there a way to make them work for you so that you do make them happen?

I think so.

I believe there’s a way to achieve those ambitious goals without burning out.

And I think Joseph Hogue is the perfect person to break it down.

Since I’ve met Joseph at a conference a few years ago, I’ve seen how well he’s done with following through on his plans and goals.

Joseph Hogue worked in private wealth management and venture capital for more than a decade before freelancing as an investment analyst.

He now teaches regular people how to beat debt, make more money side-hustling and invest.

So I thought having him break down his approach would be helpful.

In this episode we’ll discuss:

  • Creating goals that fit your season so you’re not burnt out
  • Avoiding the yo-yo diet cycle with your finances
  • Uses challenges to grab big wins

Hope you enjoy!

Mama Talk Money Summit

Speaking of hitting those money goals, next week we’re talking about a special event that I’m a part of to help you do just that – Mama Talk Money Summit.

Chelsea Brennan from Smart Money Mamas has put everything together.

For 5 WHOLE days, the Mamas Talk Money Summit is bringing you presentations from over 40 incredibly financially savvy mamas who have TONS of valuable advice to share with you all about finding your financial swagger, raising kids who are money masters, and connecting with a tribe of moms who are getting smart with their money.

We’re talking all about:

  • Family Finance
  • Investing, Retirement & Estate Planning
  • Career & Business
  • Teaching Kids About Money

And much more!

So whether you’re trying to knock that credit debt, get some savings stashed away, or are looking to invest for long term goals, this summit will have at least a few sessions that can help you make it happen.

Along with the session, there will be a live Q&A with each speaker.

For example, for my session – Dump Debt Together (When You Can’t Agree How) – I’ll be online in the chat so you can ask me questions while watching it.

It’s all online and you can register and watch the sessions for FREE!

This was an important point for me because I know we’re all at different points in our financial journey, so having it be free to register was one of the reasons I wanted to join in.

The event is happening on October 21st through the 25th.

Now what I love with how Chelsea is putting this together, is that she has some fun giveaways and prizes along with the summit.

There will be over $15,000 in giveaways of money tools, courses, swag, and gifts for moms throughout the event!

So you not only can catch the most useful sessions to help you knock out your big money goal, but you can also pick up some fantastic and helpful prizes.

I hope you’ll join me and other mamas. Just make sure you grab your FREE ticket by signing up here!

Resources to Hit Your Money Goals

If you two are looking to improve how you talk and work together with your finances (and lives), please check out these resources.

If you want to discuss talking with your spouse about money, ask questions, or share your own tips please join us over at Thriving Families on Facebook.

Support the Podcast!

Thank you so much for listening to the podcast!

  • Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.
  • Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher.
  • Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!
Music Credit

Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere 

Oct 09 2019

16mins

Play

Reboot Your Money with an Everyday Bucket List

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Today we’re looking at how you reboot your money by not focusing on the finances!

It’s now October.

The year is officially wrapping up and for many, it’s a busy season. Do you have any plans coming up? 

This month we have a family trip planned to see some of our friends and family for Virginia. 

We're looking forward to it. 

But I also know that this time of year can also be one of reflection and review. 

We've knocked out some goals like saving up for my husband's next car, but we're still working on our big goal for the year - paying an extra $11k on our mortgage. 

How about you? How close are you to hitting your goals? 

If you’re behind on them, it’s okay. There is still time for you to reset and reboot your finances. 

And I want to help out. 

So this month I want to turn things around by doing a mini-series on the podcast.

Each week we’re going to be tackling some of the big hurdles you might be having with your goals. 

One reason I’ve noticed people get behind is that they’ve lost that some of that momentum and motivation. 

Let's be honest if you’re dealing with something big - like trying to become debt-free, you could be in it for a while depending on how much debt you have now. 

So how can you not only keep on making progress but actually enjoy yourself? 

Something that can help you is reframing your goals. 

And today, Karen Cordaway is here to talk about how. She’s the author of The Everyday Bucket List.

If you subscribe to the newsletter - and you really should ;) - you’ll remember it’s one of three books I recommended this summer. 

In this episode we’ll discuss: 

  • Move away from making financial goals to more holistic ones
  • How you can create a bucket list that fits your season of life now
  • Tools to make it easier to incorporate more fun into your routine

Let’s get started! 

Oct 03 2019

10mins

Play

How To Dump Debt Before The Year Wraps Up

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Today we’re looking at how you can knock out a debt or two before this year wraps up!

Knock Out a Debt Quickly

Who doesn’t want to unload a debt before this year wraps up?

Paying off debt is usually one of the top three goals people make for the year, but struggle to achieve.

That’s not going to happen with you.

I want you to make some headway with your debt-free goals which why we’re finishing up with season with a call to action – we’re going to knock out debt.

Of course, to do this we need money.

There are three ways you’re going too free up money so to speak to pay off those debts faster:

  • Optimize your current budget
  • Consolidate your debts
  • Earn extra cash

We’ve talked about different ways you can save this season, with housing, cars, and how to bake in automatic savings so today I want to look at the other two options.

David Jacobs, VP of Consumer Lending at Coastal Credit Union, is going to talk about the differences between HELOCs and home equity loans.

If you going that route, you really need to understand how they work.

We’re also looking at using side hustles to earn that extra money. Can you really knock out your debts with a side gig?

Kevin is a member of our community and was kind enough to reach out to me about his experience. He’s done both delivery driving with GrubHub and ride-sharing.

What’s cool – at least to me – is that he’s an accountant in his day job. So when he did the side hustles he was tracking not only his earnings but expenses.

I think you’ll enjoy hearing his take on whether it’s a viable way to earn some extra cash.

In this episode we’ll discuss:

  • Understanding debt consolidation options with your home equity
  • Whether side hustles can be a smart way to earn extra cash to pay those debts
  • Ways to stay motivated

Let’s get started!

Resources to Pay Off a Mountain of Debt

If you two are ready to pay off your debt, here are some handy resources to check out:

Thank You to Our Sponsor Coastal!

Support for this podcast comes from Coastal Credit Union! If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today.

They want to help you achieve your biggest goals!

Support the Podcast!

Thank you so much for listening to the podcast!

  • Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.
  • Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher.
  • Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!
Music Credit

Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere and Logan from Music for Makers in this episode.

Aug 30 2019

17mins

Play

Best Plans to Pay for Your Kids’ College Expenses

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No parent wants their kids to go deep in debt, but whether it’s college or trade school, education can be pricey.

Learn what options are available and how to best save up for your kid’s college expenses!

Paying for Your Kid’s Education and College Expenses

With student loans seeming like a weight on many college grads, I think most parents who kids are thinking about either college, trade school, or vocational schools are trying to find ways to ease the burden.

And the advice typically given is to save ahead.

But the price of getting an education is rising pretty quickly.

How do you do that when you juggling your current family expenses and saving up for other goals?

To help me out today is Drew Snider. He’s a director in Financial Planning at Coastal Wealth Management.

He’s also a parent of a 12-year-old daughter and yes, he’s been thinking about this as well. So he’s looking at this from both sides.

In this episode, we’ll get into:

  • The rising costs of college and why its harder for kids to work through college
  • What options you have to save to and invest
  • How you can start saving now

Let’s get started!

Tips on Paying for College

If you two are looking to help your kid skip out on student loans, here are some resources to help you save up.

Key Takeaways on Paying for Your Kid’s College Expenses

Before we close up I want to focus on some key takeaways I got:

  • Start early.
  • Don’t go on autopilot.
  • Have your kid have skin in the game.

If you’d like to chat more about ways to save for your kid’s college and education expenses, please join us in our private and free Facebook group, Thriving Families!

Support the Podcast!

Thank you so much for listening to the podcast!

  • Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.
  • Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher.
  • Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!
Music Credit

Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere and Logan from Music for Makers in this episode.

Aug 22 2019

22mins

Play

How to Talk with Your Parents About Their Finances

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Learn how you can talk to your parents about money, their retirement, and beyond with less stress!

Helping Your Parents Prepare for Retirement and Beyond

We talk about how to discuss money as a couple and make those conversations less stressful. And I hope you two feel more relaxed when you’re talking about your goals and finances.

I also know that just because you two can talk about money, doesn’t mean that you’re cool with those money chats with everyone.

Especially when it comes to your parents.

My mom is getting closer to retirement I want to make sure that she’s in a good spot. Healthwise things look alright, but I also know that’s not given.

We’ve other relatives have some significant health issues, including dementia and injury and it does make us wonder, how prepared are we to make sure our parents are taken care of?

It’s easy to put it off, but do we really want to?

So how do you start those conversations? How do you prepare for when you need to step in and help out your parents?

Journalist and personal finance author Cameron Huddleston had to deal with it firsthand when helping her mother who was diagnosed with Alzheimer’s disease.

Her latest book is Mom and Dad: We Need to Talk is a fantastic guide on how to come together as a family now so down the line, everyone is on the same page.

So I’m we have her on today.

We also have financial advisor Jonah Kaufman sharing his take as he’s had to help families navigate through these delicate conversations.

In this episode we’ll discuss:

  • Why you don’t want to wait to talk to your parents about money
  • Key conversations you should have and how to get started with them
  • Crucial documents that will protect your parents and their wishes

Let’s get started!

Resources for Parents and Retirement

Here are some fantastic resources to help you two get more comfortable talking about retirement and more with your parents.

Thank You to Our Sponsor Coastal!

Support for this podcast comes from Coastal Credit Union! If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today.

If you want to be better prepared financially, please consider Coastal’s Retirement Planning Program!

Support the Podcast!

Thank you so much for listening to the podcast!

  • Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.
  • Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher.
  • Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!
Music Credit

Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere.

Aug 08 2019

27mins

Play

Best Mortgage Tips for Home Buyers

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When you’re buying a house, there is a ton of paperwork and terminology thrown at you. 

Today we’re going to decipher and explain all the essentials you need to know to get a great deal on your mortgage! 

Getting a Great Mortgage When Buying a House

Even if you’re excited and ready to buy a house, it can still be stressful.

Last week I mentioned that my mom is moving into the Raleigh area after getting a job offer.

She’s getting all that paperwork done for work and keeping her current home in tiptop shape since it’s on the market to sell.

And whenever she’s in town to take care of her work stuff, we’re also driving around looking at places and neighborhoods.

Being with her reminds me of our own house hunt and I remember how at times things seemed overwhelming.

Buying a home is a huge purchase and while you’re trying to make sure it’s the right fit for you, you’re also sorting through all this paperwork.

When you’re getting a mortgage, your lender is combing through your finances and it feels like they request every scrap of information they can get.

And then when you do find a home, you make the offer – hopefully they accept. You have a home inspection, have the house appraised, and get paperwork like title insurance done.

It’s a lot.

And the first time around, we knew we paid a fair price, but we were a little lost.

The second time, though, we felt confident about buying the house.

One part that made a huge difference for us was getting our loan officer to walk us through.

Having your loan officer in your corner, along with a great agent makes the process enjoyable and rewarding.

We’re so grateful to have had that.

And I want you to feel the same way.

So if you’re in the market to buy or you know in the future you’d want to buy a home, I think you’ll enjoy this episode.

I’m sharing one of my favorite interviews on the topic, my chat with Wendy Dawson. She’s the Vice President of Mortgage Lending at Coastal.

In this episode we’ll discuss:

  • What you need to keep in mind about mortgages
  • All the fees and expenses that typically come with buying a house – its more than just the down payment
  • How to decipher the paperwork

I want you to feel comfortable and confident you’re getting a great deal with your mortgage.

I hope you enjoy!

Resources on Getting a Great Deal on Your Mortgage

If you’re looking to buy, here are some resources to help you find a great deal with your mortgage

Thank You to Our Sponsor Coastal!

Support for this podcast comes from Coastal Credit Union! If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today.

See how Coastal can help you with your mortgage needs!

Key Takeaways on Buying a Home

I want to focus on some key takeaways I got from talking with Wendy and our own experience:

  • Know your numbers (and own them) 
  • Understand your mortgage options
  • Ask questions. 

If you’d like to chat more about buying or even selling your house,  please join us in our private and free Facebook group – Thriving Families

Hope to see you there!

Support the Podcast!

Thank you so much for listening to the podcast!

  • Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.
  • Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher.
  • Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!
Music Credit

Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere.

Aug 01 2019

19mins

Play

House Hunters: Home Buying Tips for Finding Your Dream House

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Today we’re going over home buying tips so you can snag a great deal on your dream house! 

What You Need to Know About Buying a House

This summer is wrapping up, but things are about to get busier for us. 

My mom was recently offered a job in the area and so she’s asked me to help her with buying a house. 

The problem is that here in the Raleigh/Triangle area, it’s very much a seller’s market. 

Since we bought our house three years ago, prices have gone up on homes. The median price of homes currently listed in Raleigh is $330,000.

Which means we need to be savvy house hunters. 

I’m excited about this, but it’s going to be a challenge for sure. 

And if you’re looking to buy a house, you might be facing the same challenges. 

Which is why I’m so happy to have Louis Guillama on today to offer his expertise.  He’s the Vice President of Real Estate Operations over at Coastal Credit Union.

He has decades of experience with the real estate agent side as well as home renovations. 

In this episode we’ll discuss: 

  • differences between buying new construction vs resale
  • spotting great and still affordable neighborhoods
  • finding a fixer-upper (instead of being stuck with a money pit)

Hope you enjoy!

Resources on Buying a House

If you’re looking to buy, here are some resources to help you find an affordable place you love!

Thank You to Our Sponsor Coastal!

Support for this podcast comes from Coastal Credit Union! If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today.

If you need an agent, Daymark Realty has a fantastic team ready to help find the perfect house for you in the Triangle area! 

Support the Podcast!

Thank you so much for listening to the podcast!

  • Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.
  • Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher.
  • Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!
Music Credit

Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere.

Jul 25 2019

18mins

Play

How to Automate Your Money: A Guide for Busy Couples

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How do you feel about managing money? Is it something you enjoy doing or do you see paying the bills, knocking out debt, saving for your future, etc. a bit much?

When we were first married it was honestly a little overwhelming. We had the bills to pay, a car loan, and eventually student loans that were going to come due. 

The idea of getting a financial system seemed complicated.

The good news is it wasn’t.

With a little organization so we had our acct info in front of us. It was a one evening thing. 

And it’s made a huge difference for us. 

We’ve paid off over $30,000 of debt, bought our cars with cash, started investing for retirement, and giving more.

Through the years, we’ve had to take a step back to help out loved ones and deal with our family. With two little ones as our priority, we sometimes have put money conversations on the back burner.

The automated system allowed us to still take care of the essentials and not miss a beat. 

But I also know that the idea of setting up a system sounds like a ton of work.

Truth is the initial set up typically isn’t as difficult as you think and the benefits are more than just the money. 

To make this easier we’re going over: 

  • Peek into Our System so You Have a Real Life Example
  • Setting Up Your Financial System
  • Tools and Apps to Make it Easier to Set up and Track Your Money

I hope you enjoy! 

Thank You to Our Sponsor Coastal!

Support for this podcast comes from Coastal Credit Union! If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today.

They have fantastic options to make online banking easy!

Resources to Stay on Top of Your Money

Here are some resources to make managing your money much easier!

Support the Podcast!

Thank you so much for listening to the podcast!

  • Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.
  • Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher.
  • Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!
Music Credit

Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere.

Jul 12 2019

18mins

Play

Reaching Financial Independence With Kids

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With the FIRE (financial independence/retire early) movement growing, many families are wondering if it's an option for them. Today we look at the key numbers parents need to consider when pursuing financial independence while raising kids! 

What choices do we need to make as a family now to become financially independent?

Helping me to dig into this is Jonah Kaufman. He’s a financial advisor at Coastal Wealth Management. 

And while he’s not here for specific financial advice – that’s something you need to do one on one since everyone has unique financial circumstances – we are going over some things to consider and talk about as a family.

In this episode we’ll discuss: 

  • 5 big myths and misconceptions people have about financial independence
  • Two key numbers to keep an eye on for early retirement (and income is not one of them!)
  • How you two can create a FIRE plan that fits you

Hope you enjoy!

Handy Tools to Start Your FI Journey

If you’re looking to get ahead with your finances as a family by pursuing financial independence, here are some resources to check out:

FI Community

Too many to number, but here are just a few of my favorites!

If you’d like to chat more your money system, please join us in our private and free Facebook group – Thriving Families

We’re families looking to support and help one another out.

Hope to see you there!

Thank You to Our Sponsor Coastal!

Support for this podcast comes from Coastal Credit Union! If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today.

If you want to be better prepared financially for retirement, please check out Coastal’s Retirement Planning options

Support the Podcast!

Thank you so much for listening to the podcast!

  • Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.
  • Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher.
  • Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!
Music Credit

Like the music in this episode? It’s provided by Lee Rosevere.

Jul 06 2019

20mins

Play

Simplify and Enjoy Preview: How to Manage Your Money as a Busy Family

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Looking to raise kids while pursuing financial independence? Here are some tips from Simplify and Enjoy to help you reach your goals and enjoy the journey!

How to Simplify Your Finances and Enjoy Your Family

As I mentioned in the last episode, this week is going to be a bit different. I’m going on vacation with my family soon but I wanted to leave you with some bonuses.

As you already heard, I started a new podcast – Simplify and Enjoy.

While here on Couple Money we talk about getting on the same page with money as a couple, Simplify and ENjoy is more focus on families especially with young kids who are interested in pursuing financial independence.

Besides looking at the numbers, of course, we’re going to be looking at how to design your life around your family.

How do you make the finances work so you are hitting your goals but you’re also enjoying the journey?

So this week I’m going to share the first two episodes from the series – easy ways to manage your money when you’re busy and then the second episode is finding your path to financial independence when you’re raising young kids.

I hope you enjoy these episodes and that they help you with your own journey to financial freedom and independence as a family!

Handy Tools to Save More

If you’re looking to get ahead with your finances as a family, here are key resources to check out!

Thank You to Our Sponsor Coastal!

Support for this podcast comes from Coastal Credit Union! If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today.

They have competitive rates on checking and savings accounts!

Support the Podcast!

Thank you so much for listening to the podcast!

  • Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.
  • Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher.
  • Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!
Music Credit

Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere.

Jul 03 2019

24mins

Play

Mastering Your 401(k): Finding the Best Investment Options for You

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Want to get the most out of your 401(k)? Learn the key guidelines on how you can choose the best investment options for you! 

Want to get the most out of your 401(k)? Learn the key guidelines on how you can choose the best investment options for you! 

Making the Most of Your 401(k)

Chances are if you’re investing for your retirement, the bulk of that money is stashed away in your 401(k).

For those whose employers offer them, they’re an easy option to sign up for and contribute towards.

But are how comfortable are you with how it is doing?

To help sort things out, Jonah Kaufman is joining me for this episode.

Jonah is a financial advisor at Coastal’s Wealth Management Services.

These will give you some starting points and ideas on what you need to talk about.

In this episode we’ll discuss:

  • Why your 401(k)s are a great foundation for retirement savings
  • What factors to consider when you’re investing
  • Understanding some of the different options that your 401(k) may offer

Hope you enjoy!

Just to make sure we’re on the same page, this episode is NOT about specific investment advice.

You would need to consult a qualified financial professional who can evaluate your unique circumstances.

Resources to Stay on Top of Your 401(k)

Here are some resources to make managing your money much easier!

Thank You to Our Sponsor Coastal!

Support for this podcast comes from Coastal Credit Union! If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today.

If you want to be better prepared financially for retirement, please check out Coastal’s 401(k) Planning Calculator.

Key Takeaways on Optimizing Your 401(k)

Before we wrap up I want to focus on some key takeaways I got from speaking with Jonah and preparing for this episode:

  • Understand yourself as an investor.
  • Performance isn’t tied to cost with your investments.
  • Don’t check your investments too frequently.

If you’d like to chat more about your financial goals,  please join us in our private and free Facebook group – Thriving Families.

Hope to see you there!

Support the Podcast!

Thank you so much for listening to the podcast!

  • Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.
  • Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher.
  • Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!
Music Credit

Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere.

Jun 27 2019

17mins

Play

Financial Planning: How Are We Doing With Money?

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Today we’re talking about how you two can really review the big picture and make sure you hit YOUR big money goals!

Financial Check-ups  

The first half of this year is about over, so how are you guys doing right now?

It’s funny how time seems to speed up and slow down.

Looking back we have had some big ups and downs in the past four or so weeks, both financially and in our lives.

Last month our adorable cat had some seisures and other issues and in a span of week – if that – he went from sick to passing away.

It was so fast, the vets were trying to figure out what happened.

And because a few issues, we just got his remains last week and paid his final expenses.

Thankfully we have savings, but between emergency hospital exam, tests, and his vet visits, it definitely was pricey.

Besides that weight, we had good things to celebrate.

We were invited to two baby showers and then last weekend we went to two graduation parties. And of course, they are bunched together.

But that’s life, right?

At least for us.

And I find it so easy to let certain things slip by because there are more pressing or immediate things happening.

The danger is by focusing only on the thing right in front of you, that you miss important stuff.  I don’t think money is the most important thing. I do however realize that much of our day to day and long term goals need us to be on top on our finances.

We should have a game plan for our money and a system that allows us to put in place so when things come up – and they will- our finances keep chugging along.

Which is why I’m so glad Cathrine Bryant is joining in today’s episode.

She’s a financial advisor at Coastal Wealth Management.

In this episode we’ll discuss:

  • Getting a financial snapshot and prioritizing which goal or two is your focus
  • Setting up a system to both track your money and getting into a habit of money dates
  • Finding a financial planner when you need a check-up with a professional

Let’s get started!

Resources to Stay on Top of Your Money

Want some help staying on top of your money? Here are some resources to make managing your money much easier!

Thank You to Our Sponsor Coastal!

Support for this podcast comes from Coastal Credit Union! If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today.

If you want to be better prepared financially, please consider Coastal’s Retirement Planning Program!

Support the Podcast!

Thank you so much for listening to the podcast!

  • Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.
  • Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher.
  • Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!
Music Credit

Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere.

Jun 20 2019

24mins

Play

Car Buying Tips: Getting the Best Deals on Car Loans

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Today we’re going to show you how to get the best deal when buying a car!

What You Need to Know About Car Loans

Cars and car payments are a way of life for many couples.

According to the latest data I could find, there’s a record 2.5 million auto loans originated.

Average monthly payments for new vehicles are $530 for new vehicles and for used cars, it’s around $381.

That’s certainly a big chunk of their budget going to cars.

We’re a bit different.

Once we paid off our car loan with the Jetta, we’ve bought our cars outright.

As a personal and financial decision, we choose to go debt free with cars.

And if you’re curious about how that works, then you’ll want to read our guide on buying cars with cash, which takes you through how we save up and buy our cars.

It’s helped us skip having a car payment for the past 10 years.

And personally, I feel like going debt free on cars is the best option, but every couple is different.

Maybe you have a car that’s having to have repairs and because you’ve been throwing money to keep it going you don’t have much of a down payment?

Or you’d like to go for a used car, but your spouse is hesitant and isn’t willing to go that route?

Throughout the seasons, I’ve put out the offer to you to send in your money questions. I did a call for this season as well. And guess what?

Car loans came up. A lot.

Which isn’t surprising, considering that 85% of new car purchases and 53% of used car purchases use a loan.

But if you get a car loan, is there a way to make sure it’s extremely affordable and if you decide to pay it off sooner, would the numbers work in your favor?

It’s a challenge that I want to tackle today.

By examining the numbers and pushing away the hype and ads, I think you can get a clearer picture of the real costs and then figure out what’s the best option for you.

I’m extra excited because one of you lovely listeners is the guest. And Maggie actually pitched this topic to me in person.

Yep, a Raleigh listener.

Maggie and her husband Ben are trying to figure out what their options are for buying a car. And they were kind enough to share their situation and questions.

What’s cool to me about is that David Jacobs VP of Consumer from our sponsor and partner this season, Coastal Credit Union is going to give us some insights on the lending side.

In this episode we’ll discuss:

  • How to figure out how much car you really can afford
  • Getting the Best Rate on a Car Loan
  • Running the numbers to uncover some loan traps – like if those 0% deals on new cars are really a good deal

I want you two to be able to feel confident that you’re getting the best deal you can.

Let’s get started!

Essential Resources for Buying a Car

If you two are thinking about buying a car soon, here are some handy resources to help you get the best deal on them!

Thank You to Our Sponsor Coastal!

Support for this podcast comes from Coastal Credit Union! If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today.

If you are hunting for a car loan, take a minute to review competitive rates and deals Coastal is offering now to make buying a car easier!

Key Takeaways on Car Loans

Before we close up I want to focus on some key takeaways I got when researching for this episode:

  • Run the numbers before you start car hunting
  • Save up for a down payment
  • Ignore the hype

If you’d like to chat more about saving more,  please join us in our private and free Facebook group – Thriving Families

We’re families looking to support and help one another out. Hope to see you there!

Support the Podcast!

Thank you so much for listening to the podcast!

  • Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.
  • Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher.
  • Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!
Music Credit

Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere.

Jun 13 2019

30mins

Play

How to Double Your Savings Rate

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Double Your Savings

This week in the community newsletter I asked a question – can you really save half your income?

Think about that for a second.

Why is this important?

Whether you’re paying off debt, saving up to buy a house, start family, travel, or invest more for your future – all of these goals have something in common.

They need money.

How much you save of your income can have an incredible impact on how fast you reach your big financial goals.

Now unless you have a stash of cash under in house or an inheritance, that money is probably coming out of your budget.

Now another quick question – do you know the average savings rate in the U.S. now?

Take a guess.

It’s around 6%.

As you probably guess that’s not going to cut it if you want to knock out any of those big goals soon.

There’s no way around it. If you want to hot those goals fairly quickly, you have to master the art of saving.

But half your income?

That’s a bit much, right?

Don’t let anyone tell that’s not a huge deal because it is.

However, it is possible to start working on bumping up that savings rate and one of my goals this summer is getting you to double yours.

We’re bringing back the summer of savings.  I want this summer to be your best ever. Today on the podcast and throughout the season on this site, I’ll be sharing strategies to help you grow your stash while still enjoying things.

In this episode we’ll discuss:

  • A simple path to notching up your savings rate
  • Psychological hacks to save more
  • Tools that will make your life much easier

Oh and stay tuned until because we’re also bringing back the summer of savings giveaway!

Let’s get started!

Handy Tools to Increase Your Savings Rate

If you’re looking to get ahead with your finances as a family, here are key resources to check out!

Thank You to Our Sponsor Coastal!

Support for this podcast comes from Coastal Credit Union! If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today.

They have competitive rates on checking and savings accounts!

Support the Podcast!

Thank you so much for listening to the podcast!

  • Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.
  • Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher.
  • Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!
Music Credit

Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere.

Jun 06 2019

22mins

Play

iTunes Ratings

103 Ratings
Average Ratings
86
8
3
3
3

Tackle it together

By Sunliz - May 11 2018
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Mixing up episode length and breaking down finance together is a great combination!

A must

By MarketBasix - Nov 22 2017
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If you want to be happy in your relationship and with your money, this is a must listen.