Worth Listening with Lauryn Williams

Becoming a parent changes everything—your routines, your priorities, and definitely your finances. In this episode of our Know Better, Do Better: Parenting & Finances series, Certified Financial Planners Lauryn Williams and Chloe Moore break down what really happens after the baby arrives. From unexpected expenses and child-care costs to school decisions, career interruptions, and financial planning updates, this conversation is all about helping you adjust, adapt, and stay afloat in the new normal of parenting. Lauryn shares her real-life experiences as a brand-new mom—from the truth about registry gaps and hand-me-downs to how meal trains kept her alive in the early weeks. Chloe offers advisor-approved guidance on budgeting for child care, managing health-care surprises, reevaluating housing and car needs, and preparing for long-term expenses like education. Whether you're a first-time parent or adding another little one to the family, this episode gives you the clarity you wish someone had handed you at the hospital. If you didn't plan much before baby arrived (or if things didn't go according to plan), don't worry. Lauryn and Chloe walk you through exactly what to revisit, how to get back on track, and what financial changes matter most—because it's never too late to take control of your family's financial foundation. Key Takeaways The unexpected expenses most parents face after baby arrives—from duplicate items to emergency last-minute purchases. Why hand-me-downs, returns, and resale apps can save hundreds in the first year. The hidden costs of feeding yourself and your baby (especially if breastfeeding or cooking doesn't go as planned). Travel considerations with a child under two—and why free infant fares don't mean free trips. What to expect when budgeting for child care, nannies, daycare, and early education. Why you shouldn't rush to upgrade your house or car right away. How your career—and your future earning potential—may shift after becoming a parent. The critical financial planning updates every new parent should revisit: life insurance, estate planning, taxes, benefits, and 529s. Links & Resources Mentioned Investopedia Report: The $5 Million American Dream https://www.investopedia.com/2025-american-dream-costs-more-than-usd5-million-11796727 Episode 118: What You Need to Know About Life Insurance https://www.worth-winning.com/podcast/ep118 Episode 116: Estate Planning with Shalini Codispoti https://www.worth-winning.com/podcast/ep116

In this episode, Lauryn Williams talks with Linda, a world-traveling mom, teacher, and storyteller who has lived in more than 60 countries and now calls Colombia home. Born in Denver to Cambodian refugee parents, Linda shares how her family's journey from survival to stability shaped her mindset around money, education, and opportunity. She opens up about working her first jobs as a teen, studying abroad, meeting her husband while teaching overseas, and navigating pregnancy and motherhood across multiple continents. Together, Lauryn and Linda explore what it means to create a family life centered on freedom, culture, and connection rather than material milestones. Linda shares practical insights about finances, community, and parenting while living abroad—and how to build stability no matter where you are in the world. Key Takeaways How Linda's parents' refugee experience shaped her money mindset and lifelong focus on saving. Why she chose travel and education as her gateway to global living. What it's really like to navigate pregnancy, healthcare, and childcare across countries. How community and family networks provided a financial and emotional safety net. The couple's approach to balancing income, investments, and flexibility while raising kids abroad. Why she believes experiences and cultural exposure are more valuable than "stuff." How she's modeling equality, adaptability, and purpose-driven living for her sons. Ready to take control of your financial future? Join Lauryn Williams at the Welcome to Wealth Retreat in [Location]! Build a personalized financial plan while experiencing an incredible new culture. Click here to reserve your spot today! Links & Resources Mentioned Opopop - https://opopop.com/ Follow Linda on Instagram: https://www.instagram.com/misslindate/ 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

Becoming a parent changes your life and your finances! In this kickoff to our Parenting & Finances series, Certified Financial Planners Lauryn Williams and Chloe Moore walk through what to do before a child arrives so you can reduce stress, avoid costly surprises, and create a setup that actually supports your family. From “baby funds” and registries to leave policies, insurance, and estate planning, this episode is a practical checklist you can work through whether you’re already expecting or just starting to plan. Lauryn also shares real-life lessons from welcoming her daughter, Arya—like why a flexible baby fund matters, how to think about one-time vs. recurring costs (hello, night nurse), and why “the village” is a financial strategy, not just a saying. Chloe adds advisor tips on employer benefits, 529s (and when not to start them), housing and car upgrades to avoid, and how relationship status changes the budget. If you want to feel more prepared—even if you’ll never be 100% ready—this episode is for you. Key Takeaways The “baby fund” every parent needs—and what hidden costs it should actually cover. Why you might want to hold off on the new house or SUV (and what to prioritize instead). The overlooked employer benefits that can save you thousands before and after baby arrives. What to know about maternity, paternity, and unpaid leave—and how to plan your timing. The truth about life insurance and estate planning that too many new parents ignore. How to be strategic with registries, showers, and gifts to stretch your budget further. Why your relationship and support system are just as important to your finances as your income. Links & Resources Mentioned FAQ: The One Big Beautiful Bill, Explained Fair Play by Eve Rodsky Episode 116: Estate Planning with Guest Shalini Codispoti Episode 118: What You Need to Know About Life Insurance Money Quotes “Don’t handicap your children by making their lives easy.” — Robert A. Heinlein “The greatest gifts we can give our children are the roots of responsibility and the wings of independence.” — Maria Montessori Ready to take control of your financial future? 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 Connect with Lauryn on LinkedIn: linkedin.com/in/lauryn-williams Follow the Worth Listening Podcast: Apple Podcasts | Spotify

Welcome to a special mid-year replay from the Know Better, Do Better series! This conversation between two CERTIFIED FINANCIAL PLANNER™ professionals—Lauryn Williams and Chloé Moore—dives deep into a topic that’s foundational to building wealth: money mindset. We’re halfway through the year, and it’s the perfect time to check in on your mindset around money and how it may be influencing your financial progress. Whether you’ve hit your goals or feel like you’ve stalled out, the way you think about money plays a bigger role than you might realize. In fact, it’s so important that Lauryn teaches an entire class on the topic. This episode is full of real-life insight and practical tools to help you clean up your mindset, refresh your perspective, and start thinking in terms of abundance—not scarcity. Key Takeaways How to self-assess your current money mindset The lasting impact of past money messages How last year’s financial wins or losses affect your mindset today What might be standing in the way of reaching your goals Different approaches to making spending decisions The influence of your social circle on your financial habits How your finances impact your physical and mental health Defining your version of financial security Why always wanting more can block your progress How the Kinder questions can help shift your perspective This year may have started with uncertainty—economically, professionally, or personally—but the one thing you can always control is how you think. Tune in to gain clarity, take back control, and keep moving forward with confidence. 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

Is your relationship with money affecting your mental health? You’re not alone. In this episode, Certified Financial Planners Lauryn Williams and Chloe Moore unpack how finances impact our mental wellbeing—and what we can do about it. It all starts with building healthy financial habits grounded in your personal “why” and goals that actually fit your life. Then they get into the numbers—breaking down the key financial metrics you should be tracking if you want to reduce stress and build long-term security. From net worth and debt to savings rate and housing costs, this episode helps you understand what to monitor, why it matters, and how to make meaningful progress. Whether you're in your peak earning years or just getting started, these habits can help you gain clarity, confidence, and peace of mind. Key Takeaways Why your financial “why” matters more than generic goals Why tracking your net worth gives you a clearer picture than a budget alone The truth about homeownership, net worth, and building real estate wealth The savings rate to aim for (and how to work up to it) Why you should plan for raises and bonuses before the money hits your account How to align with your partner on household finances—even if you’re keeping things separate The role of side hustles, promotions, and annual reviews in income growth Insurance and estate planning basics you should be revisiting every year What to look for when reviewing your tax return Links & Resources Mentioned Planning for a Financial Windfall - https://www.worth-winning.com/podcast/ep107 Investing Part 1: Understanding the Basics - https://www.worth-winning.com/podcast/ep113 Investing Part 2: Types of Investment Accounts - https://www.worth-winning.com/podcast/ep114 Investing Part 3: Real Estate Investing - https://www.worth-winning.com/podcast/ep115 What You Need to Know About Life Insurance - https://www.worth-winning.com/podcast/ep118 Your Guide to Open Enrollment – Part One - https://www.financialstaples.com/your-guide-to-open-enrollment-part-one/ Your Guide to Open Enrollment - Part Two - https://www.financialstaples.com/your-guide-to-open-enrollment-part-two/ Behind the Numbers: Money and Relationships - https://www.worth-winning.com/podcast/ep152/ Download Lauryn’s Free Financial Resource: 5 Must-Ask Questions Before Hiring a Financial Planner Money Quote: “Your net worth to the world is usually determined by what remains after your bad habits are subtracted from your good ones.” — Benjamin Franklin 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

This episode originally aired in 2023, but it’s just as relevant—if not more—today. As part of our What to Do During Times of Uncertainty series, we’re revisiting this powerful conversation between CERTIFIED FINANCIAL PLANNER™ professionals Lauryn Williams and Chloé Moore. In a world full of uncertainty, flashy financial advice, and constant lifestyle upgrades, it’s easy to lose sight of the long-term costs of the choices we make. Whether you’re tempted by a YOLO trip, a new car, or you're navigating a job change, this episode helps you weigh the true impact of your decisions—both financially and emotionally. You’ll walk away from this conversation with a stronger understanding of how to align your spending with your values and how to avoid the common pitfalls that can quietly sabotage your financial progress. In this episode, we discuss: The opportunity costs behind your everyday decisions How to fight lifestyle creep so you can save more with each raise Why it’s never too early to start saving for retirement (and the power of compound interest) The hidden costs of DIY-ing your financial plan How a financial planner can help you save money and optimize your decisions Why planning ahead now can help you reshape your next chapter after a layoff or career change What to consider as you think through big purchases or major life decisions Even in uncertain times, you are in control of your choices—and the future you build starts with the ones you make today. Links & Resources Download Lauryn’s Free Financial Resource: 5 Must-Ask Questions Before Hiring a Financial Planner 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

Whether you saw it coming or it was a total shock, getting laid off can flip your world upside down. But a layoff doesn’t have to derail your financial future—or your confidence. In this episode, Certified Financial Planner® Chloe Moore joins Lauryn Williams to break down how to navigate a layoff with clarity and control. From negotiating severance and protecting your credit to preparing emotionally and financially for what’s next, they offer practical, empowering advice for anyone facing—or worried about—a job loss. If you're in the middle of a career transition or want to be ready just in case, this episode will help you move forward with peace of mind. Key Takeaways What to do first when you receive a layoff notice How severance, PTO, and unemployment benefits really work Budgeting tips to help you stretch your runway Why you shouldn’t rush to roll over your 401(k) How to protect your credit and manage debt during a layoff What to know about healthcare and life insurance after leaving a job Side hustles, consulting, and selling items: how to bridge the gap Emotional strategies for staying grounded during uncertainty Steps to take now if you're worried a layoff might be coming Links & Resources Mentioned Healthcare.gov – Explore COBRA alternatives and check for subsidies Know Better Do Better: Preparing for Uncertainty Know Better, Do Better Series: Types of Equity Compensation Part 1: RSU Know Better, Do Better Series: Equity Compensation Part 2: Understanding ISOs and NQSOs Download Lauryn’s Free Financial Resource: 5 Must-Ask Questions Before Hiring a Financial Planner Money Quote: “Some changes look negative on the surface, but you will soon realize that space is being created in your life for something new to emerge.” — Eckhart Tolle

Lauryn Williams sits down with her cousin, Jessica Gray—an attorney specializing in employment and labor law and a federal government employee. Jessica shares her personal journey growing up in Washington, DC, navigating money lessons from her parents, building generational wealth, and why she’s staying “resume ready” in today’s uncertain economic and political climate. As the current administration reshapes federal employment practices, job security isn’t what it used to be—even in government roles once known for stability. Jessica pulls back the curtain on what’s really happening behind the scenes, from sudden policy shifts to mass layoffs, and what federal employees—and everyday Americans—should be doing to protect themselves. Whether you’re a government worker or just wondering how these changes could ripple into your life, this episode will open your eyes to why being proactive with your finances and career is more important than ever. What You’ll Hear in This Episode: How Jessica’s childhood shaped her views on money and generational wealth The evolution of federal government benefits and job security Why the “stability” of a federal career is disappearing The hidden impacts of federal downsizing on communities and the economy Practical steps to stay prepared in uncertain job markets How to approach spending, savings, and retirement planning during economic shifts Ready to take control of your financial future? Reserve your spot to join Lauryn Williams in her 6 week online program, Welcome to Wealth, starting in October! Build a personalized financial plan while connecting with your peers. Links & Resources Mentioned Managing Your Finances in Uncertain Times: https://www.youtube.com/watch?v=ZsfXRO4mLVg 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

Thinking about becoming a digital nomad or relocating to another country? Whether you're dreaming of remote work with a passport in hand or trying to escape the daily grind by starting over abroad, there’s more to it than sunshine and freedom. In this Know Better. Do Better. episode, Lauryn Williams—who has firsthand experience living abroad in Colombia—is joined by fellow Certified Financial Planner Chloe Moore, who has worked with clients navigating the ins and outs of international living. Together, they shed light on the financial, legal, and emotional realities that often go overlooked. From taxes and visas to banking, insurance, and what it really costs to uproot your life, this episode dives into the details you need to know before making a big move. If you’re serious about going global, this conversation will help you do it smarter and with fewer surprises. Key Takeaways The different types of visas and what could cut your stay short What the U.S. tax system still requires when you earn and bank abroad How investing and retirement accounts are impacted by international living How investing and retirement accounts are impacted by international living How to handle foreign transaction fees, ATM charges, and money transfers The emotional and relational challenges of living far from home The importance of working with professionals to cover your bases Links & Resources Mentioned Remitly – Send and exchange money internationally Look for credit cards with no foreign transaction fees Explore digital nomad insurance (note: many exclude U.S. coverage) Talk to a Certified Financial Planner, immigration specialist, or attorney before making the leap Download Lauryn’s Free Financial Resource: 5 Must-Ask Questions Before Hiring a Financial Planner Money Quote: “If the grass is greener on the other side of the fence, you can bet the water bill is higher.” — Debbie Macomber “You are the one that possesses the keys to your being. You carry the passport to your own happiness.” — Diane Von Furstenberg 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 Royal Scales, a global traveler, educator, and founder of Yup! She Travels and Yup! We Travel. Royal shares what it really takes to build a life in a different country—from the logistics of visas and finding housing to the emotional and financial shifts that come with stepping into the unknown. From studying abroad and landing her first job in Colombia to now running two travel-focused businesses and living in Medellín full-time, Royal has created a life on her own terms. She breaks down what you need to know about living abroad—from budgeting and visas to building community and navigating healthcare—so you can feel more confident taking your next step. Key Takeaways How growing up in a mixed-income household shaped Royal’s early money mindset Why she moved to Colombia just two weeks after graduating college What she learned from studying abroad, internships, and international job experiences The realities of budgeting and working while living overseas Tips for navigating healthcare, housing, and community abroad How she helps Black women and HBCU students explore travel through her businesses Why living outside the U.S. helped her rethink what freedom and success look like Inspired by Royal’s story of betting on herself and choosing freedom abroad? Follow her journey at @yupshetravels. Links & Resources Mentioned Sign up for the Welcome to Wealth Retreat: worth-winning.com/retreats Download Lauryn’s Free Financial Resource: Free to Explore: How to Fit Travel Into Your Financial Plan Yup! She Travels on TikTok Yup! She Travels on Instagram 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

People are feeling worried, concerned, and stressed about the changes happening this year. In this episode, Lauryn and Chloe discuss good financial habits and how to prepare for uncertainty—whether it’s navigating a layoff, adjusting to rising costs, or even making big life changes like moving abroad. They dive into practical strategies to help you take control of your finances when so much feels out of your hands, from budgeting and saving to spotting financial scams and making smart money moves. Key Takeaways Why so many people are reevaluating their finances and making big life decisions right now. The popular money-saving challenge people are using to save money right now. How to protect yourself from financial scams and misinformation in uncertain times The role of an emergency fund and how it can give you the freedom to make bold moves. What to consider before making major purchases or career changes in today’s economy. How working with the right professionals can help you navigate uncertainty. Links & Resources Mentioned Download Lauryn’s Free Financial Resource: 5 Must-Ask Questions Before Hiring a Financial Planner Money Quote: “Fill your life with experiences, not things. Have stories to tell, not stuff to show.” ― Abhysheq Shukla Ready to take control of your financial future? 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

We’re taking it back to one of our most inspiring travel episodes! Preethi Harbuck of the Local Passport Family joined us to share her incredible journey of traveling the world with her husband and five kids. Together, they’ve visited 62 countries (43 with kids!) while making travel a priority in their lives—on a budget. In this throwback episode, Preethi reflects on how her upbringing shaped her views on money, the creative ways her family funds their adventures, and how they’ve turned travel into a tool for teaching their children about culture, history, and financial responsibility. If you’ve ever wondered how to balance travel with a large family or thought that international trips with kids were impossible, Preethi’s story will inspire you to rethink what’s possible. Tune in to rediscover this gem of an episode and get actionable tips for making your own family travel dreams a reality! Key Takeaways Growing Up Frugal: How Preethi’s immigrant upbringing shaped her relationship with money. Traveling with Five Kids: How her family has explored 43 countries together. Budget-Friendly Travel Tips: From $170 flights to saving on accommodations through Airbnb. Teaching Kids About Money: Weekly family meetings to build financial literacy from a young age. Cultural Immersion: How living like locals while traveling helps their family connect with new places. Using Money as a Tool: Preethi’s philosophy of spending intentionally on what matters most. Ready to take control of your financial future and cross another country off your list? Join Lauryn Williams at the Welcome to Wealth Retreat in 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]. Connect with Preethi Visit the website: localpassportfamily.com Follow Preethi on Instagram: @localpassportfamily 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'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.