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How To Get Started With Credit

Building your credit is an absolutely fundamental thing to do. In this episode, we'll walk you through all the step you should take to move towards a high credit score. [1:38] What did you do when you started building your credit Katie? Kate was added onto her brother’s credit card when she went to college Kate’s mom also opened an account for her and then made the payments When she had to pay for her teeth she had to open a care account A credit card application came after college...


Pay Off Your Debt with Jackie Beck's App

Personal finance expert Jackie Beck is the creator of the app store hit "Pay Off Debt by Jackie Beck", an award-winning smartphone app that's been featured in the Oprah Magazine. The app has helped over 53,000 people use a debt snowball to break free from debt. Jackie and her husband Miles became completely debt free (including their house) in August of 2012, after paying off more than $147,000 in debt. She now helps motivate others to do the same so they can live the life they're dreaming...


Travel Hacking with Credit Cards

With summer finally here, we decided to dive into an episode all about travel hacking! If you become effective at travel hacking you can get free trips. [1:51] Do you want to share a few places you've traveled to [2:34] You need to be paying your credit cards off in full [3:31] How many credit cards do you have? [5:19] What are your favorite credit cards? [9:35] Any spending on Amazon you should definitely make sure you're earning good points. The uber credit card is also great because...


Take charge of your student loans with Destiny App

Parker is a former professional football player turned wealth advisor turned entrepreneur. Together with his friend and cofounder Jerry Workman, they created Destiny, an app aimed at helping millennials pay off their student loan and credit card debt as fast as possible. Welcome [2:0] Tell us a bit about yourself- what’s your money story? Played in the NFL, noticed that debt was creating a lot of problems with his friends.Parker grew up at the poverty line and saw first hand what was...


Where Should You Keep Your Money

Nobody really tells you what to do with your paycheck, people don’t know what you should and shouldn’t do so today’s episode deals exactly with that. [1:40] Where are you putting your money Kate? [6:30] A ton of people make the mistake that they aren’t responsible with their credit cards [8:00] It takes some getting used to realizing that you can just liquidate your funds. [10:58] If you build up an emergency fund you can eventually start using the money for other reasons like putting...


Jeffrey Anzalone from Debt Free Dr

Today we have Jeffrey Anazalone who is a doctor that writes at Becoming a doctor involves spending a ton of money to get qualified, Jeff was over $300,000 in debt when he started. Jeff went to dental school then did a surgery residency. Welcome! [5:33] What is your secret to becoming debt free forever? [8:33] What’s the honest truth behind building a 7 figure or more net worth? [17:59] Why is it really bad to rely on a single stream of income and what, in your opinion is...


Sources of Income

For most of us, salary is the main income source. The truth is, everyone starts this way and typically the salary we get each month would only go to our bills. Come and join us talk about different sources of income and how we tend to spend them. Welcome! [5:21] People receive bonuses from work, what do they typically do with those? ● People tend to spend the bonus before they even get it ● They use them for vacations ● Sometimes instead of cash they receive gift cards [12:06] For...


Money Saved is Money Earned with Tanya

[2:46] First, what was going on with your debt? Can you tell us your story? [5:40] What did you find most challenging when paying off your debt? [6:57] What lifestyle changes did you decide to make? [13:18] Did you qualify for any loan forgiveness? [19:2] What would you recommend to someone who is trying to pay off their debt? Sponsor: [20:55] sign up for a free book here Value Link Round [21:48] What is your savings or retirement plan? [26:39] Do you have a...


Why Your Negative Attitude Affects Your Finances

Your negative thoughts could have a negative effect on your finances! If you are one of those people who find it hard to change their attitude about spending, you might be interested in joining us learn how to you can make that change to transform your bad financial habits into a positive attitude to save more and build long-term wealth . Welcome! [2:45] Sometime you have to live with “Fake it ’til you make it” ● It makes you feel better! ● Pretending you are in a good mood does flip...


Lily Nwora of Dresses and Dumbbells

Lily Nwora is a personal trainer and founder of Dresses & Dumbbells have been featured on multiple news, media, and print outlets. Lily paid off $70,000 over 3 years and knocked out $40,000 in 2018 alone! Welcome! [:] Tell us a bit about yourself [:] What financial hurdles are you most proud that you have overcome? [:] What link do you see between physical fitness and financial fitness? [:] What was you plan to pay off debt? [:] Give us a 60 second elevator pitch about your...


Whats Next

Katie has successfully paid off her student loan! Like other people's success story about being debt-free, it does not stop there. You need to continue your plan and making that plan means figuring out how much money you have to work with and deciding how to spend it. Welcome! [4:45] After being debt-free, what's next for me? ● You can celebrate but no need to spend a lot! ● Shopping-spree after completely paying off your loan is not a good idea. [8:42] Katie's plan after the...


Student Loan is Gone!

Today’s episode is a bit different because we have a special occasion to celebrate. Katie’s student loan has been paid off! Yes, you heard it right! Listen about her journey and on what she’s really been trying to achieve. Welcome! [1:25] Let’s get to know Katie and her story ● She is 30 years old now, teaches elementary and has always taught public school until she moved to Virginia ● She was a typical college student in her 20’s, took a student loan and thought she’d be paying it for...


Paying Down Mortgage vs. Investing

A lot of you have been interested to know more this topic and it's important for all of you to hear some pros and cons when making your decision between paying down your mortgage or investing the money. Welcome! [:] There is a decision to be made ● Cost-benefit analysis is a must ● Check how much interest you will be paying on your mortgage in the long term ● Additional payments toward loans will knock a lot of time off on the repayment term; use mortgage calculator to make...


Stephonee from Poorer Than You

Stephonee is a mom, a wife and a personal friend. She blogs over at where she talks all about money- where to start if you’re clueless and what you can do if you want to invest/save. Although not in a financial career, she has lot of experience- mainly starting where she ran out of money and had to drop out of college. Today, she sits with a net worth of over $100K. Welcome! [:] Your website, poorerthanyou has been around for quite some time. Tell us your backstory and...


Traditional and Roth IRAs

As promised to be included in this series on retirement, here are facts that you need to know about Traditional and Roth IRA, as the two most popular types of IRAs. Check this episode and learn more about your journey to financial freedom. Welcome! [:] Difference between Traditional and Roth ● Traditional IRA is pre-tax similar to a 401k while, ● Roth IRA is typically tax-free or after-tax [:] Until when can I contribute for tax year 2018 and what are the contribution limits? ● You can...


Damion Lupo of Qualified Retirement Plan

Damion Lupo is the author of many books but we are going to talk mostly about his book called The QRP book today. Damion has actually appeared on the show before, where he has talked about how he went from being a multi-millionaire to being broke and building his net worth back up again. [:] What is a QRP? [:] What are the benefits? [:] You explain the 8th world wonder in your book, for anyone grappling with this idea, what advice do you have for them? [:] How do you set up a QRP? Value...


What You Should Know About Your 401k

Here's what you should and shouldn't be doing with your 401k. Based on the recent poll we did, you guys wanted to know about 401k as a retirement plan so here are the eye opening facts from our research. Welcome! [:] Things to always be mindful of ● Don't withdraw 401k early mainly to avoid penalties ● The value of your money now will considerably grow in the next 20-30 years from now ● It can be disastrous to use your 401k money to payoff loans [:] What you should do with your 401k...


Tailor-Made Budgets with Ericka Young

Erika has gone from 100,000 of debt to debt free in 5 years! Her and her husband decided early on that it was time to take hold of their financial life together. After paying off her debt, she realized how passionate she is about helping people better their lives, thus Tailor Made Budgets was born! Welcome! [:] You have quite an interesting story when it comes to your personal life and debt. What position were you in? How did you work your way out of it? [:] Where do you see people,...


The Basics of Retirement

One of the most important life goals many of us want to achieve is to have the best retirement experience. Whether it's for personal or financial perspective, retirement requires a lot of preparation and planning. Please join us as we share our experience. Welcome! [:] When do you start getting that retirement plan? ● Start as early as you can ● Stop thinking that retirement is not gonna happen soon. That's the worse idea. [:] What's your advice? Where can people start? ● Start...


Kathy Longo The Independent Woman

Today we have Kathy Longo, she is a CFP, CAP, CDFA and author of Flourish Financially – Values, Transitions and Big Conversations. Kathy is an expert in advising women about money challenges and believes too many women rely on their husbands for their financial planning. Welcome! [:] Den and I were discussing prenups last night as we’re getting married in July. We talked about how they are good for each others financial security in the off chance a relationship doesn’t work out. What are...