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#39: From “Bad with Money” to Intentional Saving and Spending with Jamila Souffrant

9/24/2018
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Jamila Souffrant grew up watching her mom struggle to provide for her. She decided early on that she wanted to be a millionaire, her solution to not having enough was to simply make a lot of money. She saved like crazy, but didn’t have a plan for it. A good student, she attended college and got into an internship program that places minority students with Fortune 500 companies and pays them well. During college, she saved 80-90% of her salary - but was still considered herself “bad with...

Duration:01:09:00

#38: Getting Serious About Paying Off Debt with Phillip Taylor from PT Money

9/17/2018
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Phillip Taylor studied to be a CPA in college, just like his dad. He graduated with some debt and decided to add to it by buying a house. In order to afford his new house, he didn’t max out his 401k—he didn’t even contribute enough to get the full company match! By the time he got serious about paying down his debt, it totaled $95,000. PT decided to journal his experiences on a blog he called PTMoney.com. And something amazing happened. He found his tribe. PT soon discovered that there was...

Duration:01:12:09

#37: Paying Off Student Loan Debt with a Median Income and Two Kids in Northern California with Kyle Renke

9/10/2018
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Kyle Renke graduated from college and hopped right on the American dream bandwagon. He started off with a starter house, added a couple of kids and moved onto a bigger, better house—one that he could barely afford. He then went back to grad school, tacking on another $40k in student loans. Kyle and his wife spent money left and right, never seeming to be able to get ahead. Finally, he got sick and tired of being sick and tired. Kyle read books and connected with friends in a better...

Duration:00:59:44

#36: From Childhood Poverty to Financial Freedom by Age 32 with Jillian Johnsrud

9/3/2018
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Jillian Johnsrud grew up lacking the privileges that many of us take for granted. Jillian Johnsrud grew up poor, with an abusive step father and a mother unable to leave due to lack of funds. She emancipated herself during her junior year of high school, living in a camper in high school, waiting tables after class. Still, she managed to save $8,000 by the time she graduated. She married young, and medical debt and student loan debt put her family in a tough starting position. From there,...

Duration:01:21:29

#35: Hacking Your Life to Live for (Almost) Free with Craig Curelop

8/27/2018
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Graduating from college, Craig Curelop had amassed an impressive $25,000 savings account - AND $85,000 in student loan debt. Conventional advice is to pay off your student loans BEFORE investing. In this episode, we hear how Craig ignored this advice and started buying properties to House Hack in the hot Denver real estate market while making the minimum payment on his student loans. Fast forward a few years, and now Craig generates significant income through his primary residence and can...

Duration:01:06:32

#34: The Low-Stress, Surprisingly Simple Way to Pursue Financial Freedom with Andy Hill

8/20/2018
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On today's show we discuss the highest-probability way that a family can move toward financial independence—without stress and worry—while enjoying incremental freedoms along the way. We’ll also talk about all-cash real estate investing, where to park your money as you save up for a large real estate investment, and how families can find ways to cut back in spite of having expensive kids to care for. Andy Hill usually plays the role of interviewer, but today he's switched seats to share...

Duration:01:03:57

#33: From Debt to Financial Freedom While Active Duty Military with Stuart Grazier

8/13/2018
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Stuart Grazier joined the military and immediately went into debt. A chance encounter with Dave Ramsey’s Financial Peace University showed him how to manage his finances, and he returned from his stint overseas with his more than $40,000 in debt paid off! His wife had roommates while he was overseas, and they continued to have roommates when he returned, House-Hacking to cover his mortgage so he could stockpile his cash. Attending a local real estate meetup introduced him to someone...

Duration:01:02:42

#32: Financial Freedom Through Small Life Changes and a Modest Real Estate Portfolio

8/6/2018
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Today we sit down with Mr. and Mrs. Planting our Pennies, or Mr. and Mrs. PoP for short. Mr. PoP never wanted to be anchored to an inflexible job. Mrs. PoP never wanted to be financially insecure. A reward trip to Hawaii after a good sales year at his job led Mr. PoP to the internet where he found Early Retirement Extreme and Mr. Money Mustache. Mrs. PoP ran the numbers and discovered that their target number for a mini-retirement really wasn’t that hard to reach. A few more calculations...

Duration:01:09:02

#31: How to Boost Your Income & Investments for a Faster Route to Financial Freedom

7/30/2018
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Continuing where we left off from last week’s episode, this show discusses increasing your income by recognizing existing opportunities and making your own opportunities through side hustles. The show progresses through investing basics, both traditional stock market investments as well as real estate investing. (This is BiggerPockets, after all.) Do you have your spending under control? This is the show that takes you to the next step in your journey—increasing your income to grow your...

Duration:01:00:51

#30: How to Cut Expenses for a Faster Route to Financial Freedom

7/23/2018
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We’ve interviewed more than 30 people for the BiggerPockets Money Podcast over the course of this year — and we’ve got a LOT more people to interview! We’ve heard from so many listeners: “I’d like to get started on the path toward financial freedom, but I don’t know where to begin." Today, Scott and Mindy share EXACTLY how you get started with tracking your spending, and how to make SIGNIFICANT cuts in your budget to move you down the path faster. Looking to become financially free? THIS...

Duration:01:01:42

#29: From $200,000 in Student Loan Debt to $150,000 Net Worth in 3 Years with Nick and Alyssa Parros

7/16/2018
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Nick and Alyssa were high school sweethearts, who went to college where their family attitudes toward money came to light. Nick’s “save up for it” mindset saw him graduate with around $50k in student loan debt, while Alyssa’s more spendthrift attitude towards the college lifestyle had her graduating with $80,000 in debt—and her graduate degree piled another $60,000 on top of that. They got married and quickly discovered their vastly different views on money. Through budgeting,...

Duration:01:13:59

#28: How Anyone Can Easily Make Extra Money Using Side Hustles with Nick Loper

7/9/2018
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Side hustle is a huge buzzword in the FI community. Make extra money on the side doing something fun, something you love, or even just something that pays really well. Today we bring in Nick Loper, Founder of Side Hustle Nation, to share his expertise about side hustling: What they are, who they’re for, and how to implement one of your own. Nick also shares some of his favorite side hustles, including some surprisingly easy ways to make money. Looking to increase your income? You MUST...

Duration:01:11:27

#27: How to Get Even MORE from Your Travel Rewards Credit Card with Lee Huffman

7/2/2018
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Open up a credit card, earn miles, get a free plane trip or hotel room. Sounds great, right? But what if you could exponentially increase your travel rewards? Fly free every time. Never pay for a hotel room again. Lee Huffman travels the world in luxury with his family using travel rewards for less money than your economy vacation. He’s an expert in travel rewards, credit cards, and personal finance. Today, Lee shares how you can save on your next vacation using travel rewards - and how to...

Duration:01:14:24

#26: Graduating College on Track for Financial Independence with Cody Berman

6/25/2018
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Cody Berman: Remember that name because this kid is going places. Currently traveling in Australia, Cody began his journey into personal finance and intentional living as a child, when his dad taught him about compound interest and the power of saving and investing. By age 14, he'd already saved up $15k, and by the time he reached college, he was diving into entrepreneurship, side hustles, and financial independence plans. Today, Cody runs a company that manufactures disc golf discs and has...

Duration:01:17:39

#25: Raising a Family While Seeking Financial Freedom with Chris and Debbie Emick

6/18/2018
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Chris and Debbie Emick have two daughters—AND are well on their way to financial independence through a combination of local and long distance real estate investing coupled with frugality and conscious spending. Chris and Debbie are everyday Joes living the dream in small-town Colorado. Debbie home schools their two daughters and manages their rental property business from home, after her 14-year career in teaching. Chris is a passionate leader to his team of network engineers by day and...

Duration:01:06:33

#24: Getting Financially “Naked” with Your Significant Other — With Erin Lowry

6/11/2018
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Erin’s parents taught her about money from a very early age. She paid for half of everything she wanted, which helped her figure out financial prioritization. When it came time for college, she decided against her dream college to avoid significant student loan debt by attending a college based on scholarship. Basically, Erin set herself up for a good financial future. But most people are not taught about money, and they do not make such sound financial choices. Today Erin talks about...

Duration:01:08:10

#23: A Mini-Retirement Road Trip in Your 20s with Becky & Noah

6/4/2018
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Becky and Noah are in the first half of their gap gear, a pre-FI road trip around America. They didn’t grow up rich, but they carefully planned out their life to avoid student debt. Both earned the same Chick Evans Caddie Scholarship to Purdue University that paid full tuition and came with housing. They made smart career choices earning employable, in-demand degrees that allowed them to earn high salaries. After discovering FI on Reddit, they made a few tweaks to their lifestyle, quit...

Duration:00:55:38

#22: How to Pay Off 6-Figure Student Loans While Pursuing Financial Independence with Travis Hornsby

5/28/2018
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Student loan debt is a HUGE problem facing millions of people - and it continues to grow every year. Today we are joined by Travis Hornsby from Student Loan Planner who shares several options for paying back your student loans, including loan forgiveness. Travis shares his rule of thumb for deciding whether to pay off your loans or take the forgiveness route, and tips for refinancing your student loan debt. He also gives future college attendees a few things to consider BEFORE choosing a...

Duration:01:09:04

#21: How Losing 260 Pounds Spurred Job & Investing Success with Tony Gayden

5/21/2018
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Tony Gayden grew up in a lower middle class household where money and finance were not discussed. He sought comfort in food, eventually reaching 476 pounds and drowning in debt. In this episode, Tony shares his weight-loss journey and how he parlayed the lessons and discipline he learned into successful debt reduction and finally starting to invest. Today, Tony works at his dream job with no plans to quit, but uses his investments to protect himself should his circumstances change. Links...

Duration:01:14:45

#20: The Simple Path to Wealth—Index Funds Explained with JL Collins

5/14/2018
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Jim Collins has literally done it all. From busboy, produce, clerk, and gas station attendant, to ad agency founder, sales trainer, radio co-host, and publisher. He is a prolific world traveler, having visited more than 30 countries on five continents via motorcycle, car, train, plane, boat—and even elephant. Jim has lived a very good life. And along the way, Jim has learned that money is a tool that can offer the freedom to live the life you want to live. He’s also figured out that there...

Duration:01:17:00