Worth Listening with Lauryn Williams

Chloe Moore is Back for the "Know Better, Do Better" Series! This time, we're diving into the art of budgeting for travel. Whether you're a spontaneous traveler or a detailed planner, Lauryn and Chloe break down practical strategies to help you enjoy your trips while staying on track with your financial goals. From understanding how to prioritize travel in your budget to setting up savings "buckets," this episode covers everything you need to know to plan your dream vacations without breaking the bank. Key Takeaways Discover the average cost of vacations and why planning ahead can help you avoid financial pitfalls. Learn how to create a yearly travel budget that aligns with your priorities and goals. Find out how savings buckets can simplify travel planning and why reimbursing yourself immediately is key. Get tips for booking flights and accommodations strategically to save money and make the most of your trips. Understand the importance of cancellation policies, trip insurance, and leveraging travel credit card perks. Money Quote: “Fill your life with experiences, not things. Have stories to tell, not stuff to show.” ― Abhysheq Shukla Links & Resources Mentioned Budgeting Apps: You Need a Budget | Monarch Money Book Recommendation: Happy Money by Elizabeth Dunn Podcast Episodes: Know Better Do Better: Credit Card Hacking, With Chloe Moore Behind the Numbers: Budgeting for Big Expenses, With Lauryn Williams and Chloé Moore Ready to take control of your financial future while soaking up the local culture in an exciting destination? Join Lauryn Williams at the Welcome to Wealth Retreat in Medellin, Colombia! Build a personalized financial plan while experiencing an incredible new culture. Click here to reserve your spot today! About Lauryn Williams Lauryn Williams is a Certified Financial Planner, Olympian, and financial educator passionate about helping people take control of their finances. Lauryn also hosts the Welcome to Wealth Retreats, designed to help individuals create actionable financial plans while traveling and experiencing new cultures. Learn more about her speaking services and retreats [here]. Follow Us on Social Media Follow Chloe on Instagram: @financialstaples Connect with Chloe on LinkedIn: linkedin.com/in/chloemoore Follow Lauryn on Instagram: @worthwinning Follow the Worth Listening Podcast: Apple Podcasts | Spotify Connect with Lauryn on LinkedIn: linkedin.com/in/lauryn-williams

In today’s episode, Lauryn Williams talks with Brittney Lynn, a PR agency owner who has crafted a life of adventure and financial freedom. From growing up as an only child in Indiana to living debt-free and embarking on a “van life” journey, Brittney shares her incredible path. She discusses her financial lessons, paying off debt with her husband, and how they eventually left Dallas to travel across the country in a custom-built van. Brittney now resides in San Diego, where she runs her PR agency, Human Connection Agency, and continues to prioritize a life designed on her terms. Key Takeaways [00:02:14] Brittney’s childhood background: Brittney shares her upbringing as an only child in Indiana, dealing with divorce, mental health struggles in her family, and how those experiences shaped her fearless approach to travel and life. [00:10:27] Learning about personal finance: In her late teens and early twenties, Brittney actively sought out personal finance information to live a different life than what she experienced growing up. She explains how this shift impacted her decisions. [00:12:30] Navigating student loans and college: Brittney talks about attending Purdue University, the lack of understanding around student loans, and how she managed her living expenses and education costs by taking on loans and working part-time jobs. [00:32:55] Combining finances with her husband: After getting married, Brittney and her husband took the time to merge their finances and confront their debt. She shares how tough those early financial meetings were but how they ultimately became a team focused on paying off debt. [00:38:56] The start of van life: Brittney and her husband decided to sell their home and move into a custom-built van. They sold 90% of their possessions, built out the van, and hit the road to find their next home, eventually settling in San Diego. [00:48:30] The costs and flexibility of van life: Brittney breaks down how they approached the cost of van life, opting for a new van for reliability and taking advantage of remote work to make van life financially feasible. Inspired by Brittney’s story of adventure and financial freedom? Check out her PR agency, Human Connection Agency, and follow her on Instagram at @BrittneyLynn. If you’re ready to take control of your finances, don’t forget to check out our upcoming financial retreats! Links & Resources Mentioned Brittney Lynn’s PR Agency: HumanConnectionAgency.com Follow Brittney on Instagram:@brittneyllynn Child-Free Wealth: childfreewealth.com About Lauryn Williams Lauryn Williams is a Certified Financial Planner, Olympian, and financial educator passionate about helping people take control of their finances. Lauryn also hosts the Welcome to Wealth Retreats, designed to help individuals create actionable financial plans while traveling and experiencing new cultures. Learn more about her speaking services and retreats [here]. Follow Us on Social Media Follow Lauryn on Instagram: @worthwinning Follow the Worth Listening Podcast: Apple Podcasts | Spotify Connect with Lauryn on LinkedIn: linkedin.com/in/lauryn-williams

Lauryn Williams dives deep into the complexities of the student loan world. From the SAVE plan and income-driven repayment options to Parent PLUS loans and Public Service Loan Forgiveness (PSLF), Lauryn shares valuable insights to help borrowers navigate uncertainty and take control of their financial future. Whether you're juggling six-figure debt or looking to maximize repayment strategies, this episode offers actionable advice for optimizing your student loans during a time of legislative and administrative changes. What You’ll Learn in This Episode: Lauryn breaks down the latest developments in the student loan world, offering actionable steps for borrowers. Whether you're pursuing forgiveness, managing Parent PLUS loans, or wondering how the SAVE plan impacts you, this episode provides clarity to help you prepare for the end of 2024 and beyond. Key Takeaways Include: Lauryn’s journey to becoming a student loan expert and why helping borrowers is so rewarding. The challenges with the SAVE forbearance plan and its impact on borrowers seeking Public Service Loan Forgiveness (PSLF). Why PAYE and IBR repayment plans might be the safest options amid ongoing changes. The importance of stacking cash if you’re on SAVE forbearance and aiming to pay off your loans. How the PSLF buyback program works and what to consider before it changes. Strategies for Parent PLUS loans, including the double consolidation loophole and why time is of the essence. Updates on the IDR account adjustment and why it’s critical for borrowers before administration changes. December’s flurry of anticipated updates and how to prepare without missing key opportunities. Links & Resources Mentioned For more information about the SAVE plan and updates on student loans, visit StudentAid.gov Learn more about the PSLF Buyback Get help with your student loan plan: studentloanplanner.com/author/lauryn-williams About Lauryn Williams Lauryn Williams is a Certified Financial Planner, Olympian, and financial educator passionate about helping people take control of their finances. Lauryn also hosts the Welcome to Wealth Retreats, designed to help individuals create actionable financial plans while traveling and experiencing new cultures. Learn more about her speaking services and retreats [here]. Follow Us on Social Media Follow Lauryn on Instagram: @worthwinning Follow the Worth Listening Podcast: Apple Podcasts | Spotify Connect with Lauryn on LinkedIn: linkedin.com/in/lauryn-williams

We’re continuing our Travel Series with a special throwback episode! Originally aired in October 2022, this conversation with Certified Financial Planner Jonathan Grannick is a must-listen for anyone looking to balance living an epic life today with planning for a financially secure tomorrow. Jonathan, founder of Wonder Wealth LLC, brings 11 years of financial planning experience and a passion for helping young families and professionals. But his adventurous spirit and love of travel make his story so unique. From living in four countries and swimming with whale sharks in the Philippines to navigating intense poverty in Manila’s slums, Jonathan’s travels have redefined how he measures wealth far beyond money. Tune in as Jonathan shares stories from his financial journey, including when his checking account dwindled to just $300 after quitting his job to move to Australia. You’ll also hear Lauryn’s reflections on why travel is such a powerful tool for gaining perspective and making better life decisions. What You’ll Learn in This Episode: Why waiting until retirement to enjoy your money is a broken model. Jonathan’s life-changing travel stories and their financial lessons. How Jonathan redefines wealth beyond money. Lauryn’s insights on aligning spending with your values and priorities. Why travel is one of the best ways to broaden your financial mindset. The formula for the best money Jonathan ever spent. This throwback episode is a timeless reminder that living a wealthy life isn’t just about accumulating money—it’s about balancing today’s experiences with tomorrow’s security. Whether you’re dreaming of travel, financial freedom, or both, Jonathan’s story will inspire you to start your own “Day One” journey. Lauryn’s Travel Series Takeaways: Travel isn’t just about fun—it’s a way to immerse yourself in new cultures, gain perspective, and clarify what matters most in life. Lauryn’s own journey living in Medellín, Colombia, has fueled her passion for helping others experience meaningful travel through the Welcome to Wealth retreats. Links & Resources Mentioned Learn more about Jonathan at wonderwealthfp.com Explore Lauryn’s financial retreats at worth-winning.com/financial-retreats About Lauryn Williams Lauryn Williams is a Certified Financial Planner, Olympian, and financial educator passionate about helping people take control of their finances. Lauryn also hosts the Welcome to Wealth Retreats, designed to help individuals create actionable financial plans while traveling and experiencing new cultures. Learn more about her speaking services and retreats [here]. Follow Us on Social Media Follow Lauryn on Instagram: @worthwinning Follow the Worth Listening Podcast: Apple Podcasts | Spotify Connect with Lauryn on LinkedIn: linkedin.com/in/lauryn-williams

Chloe Moore is back for the "Know Better, Do Better" series! This time, we dive into the world of credit card hacking. Many people want to use their credit cards for travel, but how exactly does it work, and what are the potential pitfalls? Lauryn and Chloe break it down, sharing essential strategies and cautionary tales to make sure you're using credit cards to your advantage, not the other way around. Whether you're interested in travel points, cashback, or maximizing perks, this episode covers everything you need to know. Key Takeaways Trends, Taxes, and Tea: Lauryn and Chloe kick off the episode by talking about trends in household debt. In Q2 2024, household debt rose by $109 billion to a staggering $17.8 trillion, and credit card balances alone reached $1.4 trillion. This episode comes at a critical time as many people find themselves relying on credit cards post-pandemic, but Chloe and Lauryn remind us that managing debt starts with mindful planning and saving. Understanding Your Spending Habits: Before diving into credit card hacking, review your spending. Are you spending more on groceries, dining out, or travel? Understanding these categories helps you choose the right card. Budgeting is key! Choosing the Right Credit Card Benefits: What are your goals with credit cards? Cashback, points, or other perks? Lauryn shares how she assumed her points strategy was optimized but learned she needed to do more research for the best bang for her buck. Chloe and Lauryn discuss why reading the fine print is crucial. Cost vs. Benefits: Remember that some cards come with hefty annual fees, ranging from $400-$600. These fees might make sense if you use all the perks, but think about why you want the card and if it suits your lifestyle. If you're in the military, these fees might be waived—so take advantage! Perks Beyond Points: Cards often have extra perks like free checked bags, lounge access, or subscriptions. Make sure you sign up for these bonuses if they make sense for you—but also check if the perks justify the fees. Strategizing Sign-Up Bonuses: A savvy move is for spouses to each apply for the same card to double up on sign-up bonuses. However, planning is key—credit card companies make money when we make mistakes, so stay mindful. Maximizing Your Points: Flexibility matters. Look for cards with transfer partners, and don’t transfer points until you’re ready to use them. Check your credit card's website for ongoing promotions—they can lead to unexpected savings! General Tips for Credit Card Hacking: Remember, time is money. Be careful not to consume too much time trying to optimize every single point. Credit cards can increase spending tendencies, so stay on top of your budget. Avoid rolling over balances—the interest costs quickly outweigh the value of the perks. Money Quote: "Credit makes it possible for us to waste money before we have the money." — Mokokoma Mokhonoana Links & Resources Mentioned Check your credit card's app or website for perks you may need to opt into. If you found this episode helpful, make sure to share it with a friend! We’d love to hear your experiences with credit card hacking—drop us a message or tag us on social media to let us know what strategies you’re using. About Lauryn Williams Lauryn Williams is a Certified Financial Planner, Olympian, and financial educator passionate about helping people take control of their finances. Lauryn also hosts the Welcome to Wealth Retreats, designed to help individuals create actionable financial plans while traveling and experiencing new cultures. Learn more about her speaking services and retreats [here]. Follow Us on Social Media Follow Chloe on Instagram: @financialstaples Connect with Chloe on LinkedIn: linkedin.com/in/chloemoore Follow Lauryn on Instagram: @worthwinning Follow the Worth Listening Podcast: Apple Podcasts | Spotify Connect with Lauryn on LinkedIn: linkedin.com/in/lauryn-williams

In this episode, Lauryn Williams is joined by AJ Vassar, an entrepreneur, international speaker, and world traveler. AJ dives into how he set his “freedom date,” moved from the United States to Medellin, Colombia, and embraced financial literacy to create a life of independence. Tune in to hear about his experiences as a business owner, his season of learning while homeless, and how he has lived abroad for over six years using his "freedom date" philosophy. Key Takeaways [7:30] College Life and Financial Struggles: AJ shares how growing up in financial hardship shaped his mindset and how attending college, without fully understanding the consequences of student loans, impacted his future. [17:34] Learning to Sell and Build Relationships: AJ explains the importance of selling and building relationships, not just for business but for navigating life’s challenges, emphasizing that success is about connection and communication. [20:58] Resilience Through Voluntary Homelessness: AJ discusses how a period of “voluntary” homelessness taught him resilience and the importance of staying the course when faced with adversity. [28:24] Setting a Freedom Date and Moving to Medellin: AJ explains his "freedom date" concept and how he planned and executed his move from the U.S. to Medellin, Colombia, using this date as a turning point for financial independence. [44:54] Organizing Finances as an Entrepreneur: AJ outlines practical steps for financial management, including keeping regular meetings with a tax professional, budgeting, and reviewing plans with a financial coach to stay on track. If AJ’s story inspired you to take control of your financial future, join Lauryn at the next Welcome to Wealth Retreat! Get a customized financial plan while experiencing a life-changing journey in Medellin, Colombia. Visit worth-winning.com/retreats to learn more and sign up today! Links & Resources Mentioned Follow AJ Vassar on social media: @ajvassar Learn more about the Welcome to Wealth Retreat: worth-winning.com/retreats Read AJ’s Book: Day Grades: From Homeless to Giving 5 Cars Away and Much More in Just 3 Short Years About Lauryn Williams Lauryn Williams is a Certified Financial Planner, Olympian, and financial educator passionate about helping people take control of their finances. Lauryn also hosts the Welcome to Wealth Retreats, designed to help individuals create actionable financial plans while traveling and experiencing new cultures. Learn more about her speaking services and retreats at worth-winning.com. Follow Us on Social Media Follow Lauryn on Instagram: @worthwinning Follow the Worth Listening Podcast: Apple Podcasts | Spotify Connect with Lauryn on LinkedIn: linkedin.com/in/lauryn-williams

Lauryn Williams is back on the Worth Listening Podcast with some major updates! After a long break since the last episode in August of last year, she’s ready to dive into what's been happening in her life and business, including some big changes. Lauryn discusses the latest updates on student loan repayment, her decision to take her income to zero after growing a successful business, and why she’s now living abroad. She also shares exciting news about combining her passions for travel and finance into empowering financial retreats. Key Takeaways Big student loan update: Lauryn shares the latest on student loans and how politics are impacting borrower repayment plans. Lauryn’s life update and business reset: Lauryn explains why she decided to take her income to zero, despite having grown a successful business, and what that shift has meant for her life and career. Moving abroad: Find out where Lauryn has relocated and why she made the move. Combining travel and finance: Lauryn’s main focus now is bringing people to Medellin, Colombia, for financial retreats that empower them to take control of their money while exploring new horizons. Bridging financial coaching and financial planning: Lauryn dives into the difference between financial coaching and financial planning. What’s next for the podcast: Lauryn outlines her plans for the podcast going forward. Excited about the financial retreats or have questions for Lauryn? Reach out to podcast@worth-listening.com, and don’t forget to check out the upcoming retreat dates in Medellin, Colombia. Take control of your finances while experiencing something new! Links & Resources Mentioned Sign up for the Welcome to Wealth Retreat: worth-winning.com/retreats Take The Financial Checkup Quiz About Lauryn Williams Lauryn Williams is a Certified Financial Planner, Olympian, and financial educator passionate about helping people take control of their finances. Lauryn also hosts the Welcome to Wealth Retreats, designed to help individuals create actionable financial plans while traveling and experiencing new cultures. Learn more about her speaking services and retreats [here]. Follow Us on Social Media Follow Lauryn on Instagram: @worthwinning Follow the Worth Listening Podcast: Apple Podcasts | Spotify Connect with Lauryn on LinkedIn: linkedin.com/in/lauryn-williams

Student loans have gone crazy! Payments are starting back up in October and people are desperately trying to figure out what they need to do to prepare. So I’m going to share everything you need to know related to getting ready to start repaying your loans again. There have been a lot of changes so if you have student loans or are thinking about getting student loans, you need to listen to this. In the episode, I share: Lump sum payments and who shouldn’t be making them Steps to take before payments begin in October Forgiveness plans and who they’re for Why you need to be thinking about your student loan situation The coming Income-Driven Repayment tracker Why now is the time to take advantage of getting on the right student loan repayment plan The difference between consolidation and refinancing Why consolidation is not the right fit for everyone What refinancing means and why it’s not for everyone The new SAVE plan If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams Mentioned Resources: Frugal Living and the FIRE Movement, with Travis Hornsby Visit Student Loan Planner to learn more about student loans and schedule a consultation to discover your best repayment plan. Please reach out at emily@worth-winning.com if you’re interested in learning more about bringing a corporate financial wellness presentation to your organization. If you want to share your money memoir on the podcast, contact us at podcast@worth-listening.com.

Today NFL player Kelvin Beachum joins the podcast. Kelvin is a Texas native entering his 12th season. In addition to playing football, he is also a board member, advisor, active technology investor, and philanthropist. Today Kevin will share with us his money memoir including his entry into the NFL and why he has continued to pursue other opportunities while playing. You will be encouraged and motivated by his message. In this episode we discuss: Living below your means How your experiences and exposure change your relationship with money That all NFL players aren’t instant millionaires The importance of purposeful spending How Kelvin got started in the world of Venture Capital Curiosity and the impact of being a life long learner The role of networking in financial success and opportunities Donor Advised Fund (DAF) Mentioned Resources: www.kelvinbeachum.com If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams If you want to connect further with Kelvin Beachum: LinkedIn: @kb2smu

Today Carrie Nicholson joins Lauryn Williams on the podcast. Carrie is a business manager who enjoys all things money and wealth. Before quitting her job to become full-time self-employed for the past decade, she was a tax accountant and Certified Bookkeeper. In 2018, she sold her first finance blog, Careful Cents, for nearly six figures. Today, she owns multiple online businesses including a YouTube channel about cash budgeting and a Colorado travel blog. Today Carrie will share with us more about where her interest in finances came from and how she uses her personal financial story to create income while helping others. In This Episode, They Discuss: The balance of serving, ministry, and earning in income The trade school option to get into accounting How she built and sold a finance blog for freelancers How she and her husband are building a travel blog with the intention to sell Budgeting, emergency funds, and creating a savings plan Cash stuffing and savings challenges Mentioned Resources: Natalie Bacon, Financial Coach If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams If you want to connect further with Carrie Nicholson: Instagram: @carrieconsiders YouTube: @carrieconsiders

Summer is here, kids are out of school, people are headed out on vacations, and it’s the time of year when scarcity mindset starts to set in for many. Podcast host and Certified Financial Planner Lauryn Williams shares how this is playing out in her own life right now. She’s also jumping back into the podcast archives to bring back one of her favorite episodes to address scarcity mindset and financial literacy to help change the trajectory of where you want to go financially. In the episode, Lauryn and guest Claudia Steer discuss: What it’s like living with a scarcity mindset. What it means to be “house poor” and the importance of understanding your mortgage options. The “good debt vs bad debt” myth. The importance of financial literacy when it comes to things like student loans, 401k, and financial planning. The fact that financial mistakes don’t always equal frivolous spending. If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams If you want to share your money memoir on the podcast, contact us at podcast@worth-listening.com.

The Worth Listening podcast is excited to get back to sharing money memoirs. Listening to the money stories of others allows us to learn from the experience and unique perspectives of others. Sean Johnson-Sippial joins host Lauryn Williams on the podcast to share his money memoir. Sean is a self-proclaimed Bitcoin evangelist who found Bitcoin in 2016 and hasn’t looked back. In this episode, Lauryn and Sean talk about: The common theme of entrepreneurship that ran throughout his childhood His drive to keep his money and the importance of delayed gratification How he fell into Bitcoin as it was emerging What Bitcoin is and how it started The risk tolerance of Bitcoin and how it compares with other investments The importance of having an investment thesis Why he’s choosing to focus on Bitcoin in the current economic climate If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams You can further connect with Sean on Twitter: @stakamoto21 If you want to share your money memoir on the podcast, contact us at podcast@worth-listening.com.

It’s time for a Worth Listening update. There are a lot of exciting things in store for the remainder of 2023 and moving forward. Host and Certified Financial Planner Lauryn Williams, is sharing where the podcast is headed and exciting pivots in her financial planning company, Worth Winning. In this episode, Lauryn talks about: The return of additional guests and money memoirs to the podcast Where you can find Lauryn & Chloe continuing to break down financial planning How a financial retreat can help you organize your finances along with the 2023 locations and what you can expect for 2024 retreats (hint-hint: 2024 locations are being released soon so you can plan early!) Workplace financial wellness services Money school returning as a 6-week course in October Why it’s time for millennials to get their finances in order If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams If you want to share your money memoir on the podcast, contact us at podcast@worth-listening.com. RESOURCES MENTIONED: Financial Checkup Corporate Financial Wellness Services Lauryn is hosting two Welcome to Wealth financial retreats this summer for young professional women. Want to go on an adventure and create a financial plan for your life? Learn more at the links below. Medellin, Colombia July 2023 Bali, Indonesia August 2023

Welcome to Round 2 of the “Know Better, Do Better” series born from the countless conversations two CERTIFIED FINANCIAL PLANNER™ professionals, Lauryn Williams and Chloé Moore, have about the trendy narratives and clickbaity articles that make it hard for them to help their clients. They will take you behind the numbers with real-life examples of financial situations to help you gain confidence and clarity to control your financial destiny. Credit is a super popular topic. And there’s a myth that because you have good credit, you’re in good financial health. Chloe and Lauryn constantly see people getting taken advantage of by people on social media, promising to help others fix their credit. Your credit score is not the end-all-be-all, and good credit doesn’t mean you have good financial habits. So, Chloe and Lauryn are going behind the numbers to help you understand what you need to know about credit. In this episode, Lauryn and Chloé talk about: The BIG myth around your credit score The details about your credit report and credit score What “good” credit actually means, and what it can do for you Why a good credit score isn’t an indicator of financial health How to check your credit report three times a year & why you should Types of credit How to be smart with credit What to think about before “credit card hacking” If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams If you want to connect further with Chloé Moore: Instagram: @financialstaples Twitter: @finstaples Facebook: @finstaples LinkedIn: @chloemoore Shared quote: “It’s foolish to buy something that’s overpriced; more foolish, if it’s unnecessary; and even more foolish, to buy it on credit.” ― Mokokoma Mokhonoana RESOURCES MENTIONED: Annual Credit Report I'm a financial planner, and I think my credit-score obsessed clients are focusing on the wrong thing Credit Scores & Credit Monitoring What is a FICO score? Lauryn is hosting two Welcome to Wealth financial retreats this summer for young professional women. Want to go on an adventure and create a financial plan for your life? Learn more at the links below. Medellin, Colombia July 2023 Bali, Indonesia August 2023

Welcome to Round 2 of the “Know Better, Do Better” series born from the countless conversations two CERTIFIED FINANCIAL PLANNER™ professionals, Lauryn Williams and Chloé Moore, have about the trendy narratives and clickbaity articles that make it hard for them to help their clients. They will take you behind the numbers with real-life examples of financial situations to help you gain confidence and clarity to control your financial destiny. Is generational wealth really as good as we think it is? 70% of wealthy families lose their wealth within one generation, while 80% of today’s millionaires made their money on their own. If you want to create generational wealth in your family, Lauryn and Chloe are sharing what you need to know about creating generational wealth and helping your future generations retain it. In this episode, Lauryn and Chloé talk about: The definition of “generational wealth” Major challenges to building generational wealth Importance of gaining financial literacy Why you shouldn’t be afraid to educate yourself & invest in financial literacy Simple financial skills you can teach your children Dealing with the obligation of giving money to family Impact of the wage gap on generational wealth How to make the most of income increases Negotiating your income Why estate plans are essential What entrepreneurs need to know about building generational wealth If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams If you want to connect further with Chloé Moore: Instagram: @financialstaples Twitter: @finstaples Facebook: @finstaples LinkedIn: @chloemoore Shared quote: “Money isn’t about buying bigger and better things. It’s about being prepared to take care of your family.” – Unknown RESOURCES MENTIONED: Boomers have more wealth ‘than any other generation,’ but millennials may not inherit as much as they hope Negotiate Anything Podcast Worth Listening Episode #112: First Generation Wealth Builders Tax Lauryn is hosting two Welcome to Wealth financial retreats this summer for young professional women. Want to go on an adventure and create a financial plan for your life? Learn more at the links below. Medellin, Colombia July 2023 Bali, Indonesia August 2023

Welcome to Round 2 of the “Know Better, Do Better” series born from the countless conversations two CERTIFIED FINANCIAL PLANNER™ professionals, Lauryn Williams and Chloé Moore, have about the trendy narratives and clickbaity articles that make it hard for them to help their clients. They will take you behind the numbers with real-life examples of financial situations to help you gain confidence and clarity to control your financial destiny. Socially responsible investing is a trendy topic, but many are overlooking the positive impact of spending with purpose. Lauryn and Chloe are sharing ways you can be more intentional with your spending and finances In this episode, Lauryn and Chloé talk about: The importance of incorporating your core values and goals into your financial plan Ways to support small businesses and local businesses The impact of keeping your money within your community (and how you can define what your community is) Realigning your spending and socially responsible investing Questions to ask yourself before spending money with a company How to be intentional about your giving Things to think about when you want to tithe and being a good steward of your money Other ways you can give if you can’t give financially Questions to ask yourself so you can spend more intentionally Setting an example of your children in how you spend If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams If you want to connect further with Chloé Moore: Instagram: @financialstaples Twitter: @finstaples Facebook: @finstaples LinkedIn: @chloemoore Shared quote: “Too many people spend money they haven’t earned to buy things they don’t want, to impress people they don’t like.” – Will Rogers “We make a living by what we get, but we make a life by what we give.” ― Winston Churchill RESOURCES MENTIONED: 56% of Americans Donated to Charity in 2021, at Average of $574 6 Simple Rules on Spending Money Intentionally Is Minimalism an Indicator of Financial Stability? How Much Should You Give to Charity? How I Created My Own Charitable Giving Plan Lauryn is hosting two Welcome to Wealth financial retreats this summer for young professional women. Want to go on an adventure and create a financial plan for your life? Learn more at the links below. Medellin, Colombia July 2023 Bali, Indonesia August 2023

Lauryn is hosting two Welcome to Wealth financial retreats this summer for young professional women. Want to go on an adventure and create a financial plan for your life? Learn more at the links below. Medellin, Colombia July 2023 Bali, Indonesia August 2023 Welcome to Round 2 of the “Know Better, Do Better” series born from the countless conversations two CERTIFIED FINANCIAL PLANNER™ professionals, Lauryn Williams and Chloé Moore, have about the trendy narratives and clickbaity articles that make it hard for them to help their clients. They will take you behind the numbers with real-life examples of financial situations to help you gain confidence and clarity to control your financial destiny. Are you thinking about working with a financial planner but don’t know where to start? Chloe and Lauryn are sharing what you need to know about working with a financial professional. They’re talking all about what kind of financial professional you should work with and how to know when you’re ready to work with one. In this episode, Lauryn and Chloé talk about: What financial planners do and how they help you When you need to start working with a financial planner and why it’s before you have a bunch of extra money to invest The types of financial planners in the industry 6 questions to ask yourself when thinking about working with a financial planner How a financial planner can help you when making major life decisions Signs you’re not ready to work one-on-one with a financial planner Things to avoid when working with a financial planner The terms to learn before finding a financial planner If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams If you want to connect further with Chloé Moore: Instagram: @financialstaples Twitter: @finstaples Facebook: @finstaples LinkedIn: @chloemoore Shared quote: “To profit from good advice requires more wisdom than to give it.” - Wilson Mizner “Change is painful, but nothing is as painful as staying stuck somewhere you don’t belong.” - Mandy Hale RESOURCES MENTIONED: Questions to Ask a Financial Planner Three Overlooked Benefits Of Working With A Financial Advisor The value of working with a financial advisor 7 red flags that signal it may be time to dump your financial adviser in 2023 XY Planning Network Fee Only Network The National Association of Personal Financial Advisors (NAPFA)

Welcome to Round 2 of the “Know Better, Do Better” series born from the countless conversations two CERTIFIED FINANCIAL PLANNER™ professionals, Lauryn Williams and Chloé Moore, have about the trendy narratives and clickbaity articles that make it hard for them to help their clients. They will take you behind the numbers with real-life examples of financial situations to help you gain confidence and clarity to control your financial destiny. The way you think about money can be a major obstacle to hitting your financial goals. So Chloé and Lauryn are talking about money mindset. They’re going to share what you can do to clean up your money mindset, hit the refresh button, and give yourself a mindset of abundance so you can build wealth. In this episode, Lauryn and Chloé talk about: How to self-assess your money mindset The impact past money messages have on your current money mindset How your financial wins and losses from last year impact you today What is getting in your way of reaching your money goals Different approaches to your spending decisions How the people around you impact your money mindset How your finances affect your physical and mental health Creating your definition of financial security How continuously wanting more prevents you from long-term progress The three Kinder questions that can give you a different perspective on your finances and life If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams If you want to connect further with Chloé Moore: Instagram: @financialstaples Twitter: @finstaples Facebook: @finstaples LinkedIn: @chloemoore Shared quote: “The greatest discovery of all time is that a person can change his future by merely changing his attitude.” -Oprah Winfrey RESOURCES MENTIONED: Episode #126: Achieving Mental Wealth with Guest Rich Jones Episode #127: Wealth and Wellness with Money Mindset Coach Jacent Wamala Episode #145: How Anxiety, Self-Esteem, and Stress Impact Your Finances, with Aja Evans Episode #110: Buildling Wealth & Financial Behavior with Dr. Sara Fallaw Episode #156: Saving for Retirement The friendship wealth gap How Your Childhood Friends Can Influence Your Rise to Wealth Explore attending a Welcome to Wealth financial retreat with Lauryn Williams in 2023. Medellin, Colombia July 2023 Bali, Indonesia August 2023

Welcome to Round 2 of the “Know Better, Do Better” series born from the countless conversations two CERTIFIED FINANCIAL PLANNER™ professionals, Lauryn Williams and Chloé Moore, have about the trendy narratives and clickbaity articles that make it hard for them to help their clients. They will take you behind the numbers with real-life examples of financial situations to help you gain confidence and clarity to control your financial destiny. Are you considering the opportunity costs of your decisions? Maybe lifestyle creep is keeping you in the paycheck-to-paycheck cycle. Are you about to turn 40 and haven’t started saving for retirement yet? Or maybe you have sticker shock over hiring a financial planner, so you’re trying to DIY your financial plan. Time is money, so Chloé and Lauryn share the areas you need to pay attention to so it doesn’t cost you much more in the long run. In this episode, Lauryn and Chloé talk about: How to fight lifestyle creep so you can save more with each raise Why you want to start saving for retirement as soon as possible The impact of compound interest on your retirement savings How DIYing your financial plan can cost you a lot more than working with a financial planner The ways a financial planner can help you save money and optimize your finances If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams If you want to further connect with Chloé Moore: Instagram: @financialstaples Twitter: @finstaples Facebook: @finstaples LinkedIn: @chloemoore Shared quote: ​​“'Someday' is a disease that will take your dreams to the grave with you.” – Timothy Ferriss RESOURCES MENTIONED: The Real Cost of Not Investing Young The 75% Rule for Lifestyle Creep & Early Retirement Feel Financially Stuck? Here’s Why — and How to Move Forward Episode 107: Planning for a Financial Windfall Behind the Numbers: Saving for Retirement Explore attending a Welcome to Wealth financial retreat with Lauryn Williams in 2023. Medellin, Colombia July 2023 Bali, Indonesia August 2023

Welcome to Round 2 of the “Know Better, Do Better” series born from the countless conversations two CERTIFIED FINANCIAL PLANNER™ professionals, Lauryn Williams and Chloé Moore, have about the trendy narratives and clickbaity articles that make it hard for them to help their clients. They will take you behind the numbers with real-life examples of financial situations to help you gain confidence and clarity to control your financial destiny. Are you thinking about quitting your job to start a business? Lauryn and Chloe are sharing behind the numbers of starting a business and what you need to think about before quitting your nine-to-five. In this episode, Lauryn and Chloé talk about: How much money the majority of small business owners are actually making The statistics around how many small businesses fail and why Types of small businesses most likely to fail How to get your financial house in order before starting a business Knocking out your debt before quitting your job Types of “emergencies” that entrepreneurs may face The need to replace your employee benefits like health insurance How much extra you need to make to “match” your employee income The importance of considering your startup costs and the cost of running your business Outsourcing vs doing it yourself Business projections and professionals who can help you manage your business finances If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams If you want to connect further with Chloé Moore: Instagram: @financialstaples Twitter: @finstaples Facebook: @finstaples LinkedIn: @chloemoore Shared quote: “Ideas are easy. Implementation is hard.” –Guy Kawasaki, Alltop Co-Founder and Entrepreneur RESOURCES MENTIONED: Episode 106: "Know Better. Do Better. Series" Are You Ready to Start a Business Explore attending a Welcome to Wealth financial retreat with Lauryn Williams in 2023. Medellin, Colombia July 2023 Bali, Indonesia August 2023