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How to Improve Your Credit Score #010

You heard it here: Dave Ramsey is wrong and your credit score is way more important than you think! In this episode we're going to cover what is a credit score, why you need good credit, and then specifically we cover how to improve your credit score. There are some key factors that you need to know since they make up your credit score. The 5 factors that make up your credit score: And some good sites where you can check your credit score for free are Credit Sesame and Credit Karma. Most...


Retirement Investing is Simpler than You Think #009

Investing for your retirement is way simpler and easier than you think- and I'm going to prove it. Do these 2 things and you'll be a millionaire by the time you retire (I'm not even exaggerating one bit!): 1. Open your retirement accounts:highlyVanguard2. Start investing:VTSAXVOO And at the beginning of this episode we cracked open a couple local brews by Ironmonger Brewing Company- Damascus IPA and Anvil DIPA which you can find and learn all about on Untappd. If you enjoyed this episode,...


How to get a Deal on Craft Beer #008

Finally, an entire episode that is only about the beer... and saving money of course! Joel and I spend this episode talking about how we get a deal on craft beer and we also touch on what we're NOT willing to do in order to save a buck. Is it worth it to brew your own beer at home? Do you know what styles of beer to avoid if you're shopping the discount shelf? Are any of the beers at Aldi good? Have a listen to find out as we dedicate this episode to getting a deal on craft beer. At the...


Traveling with Purpose on the Cheap #007

Traveling and going on vacation doesn't have to break the bank. In this episode we spend most of our time talking through some tips that will help you save money the next time you book some travel. But first, we want you to think about the aspects of travel that you enjoy the most, and then center your trip around that (like breweries and the outdoors- a couple of our favorites!). March to your own drum! Don't give in to the pressures of taking the touristy route or doing the activities that...


What to do with Your Tax Refund! #006

We spend this entire episode covering what you should do with your tax refund! First of all, you shouldn't be receiving a big refund when April 15th rolls around- if you are, talk to HR and have your tax withholding decreased so the IRS is taking a smaller bite out of your paycheck. We would rather see you proactively do something with that money on a regular basis as opposed to waiting on that 'windfall' once a year. So do that first. Next, here are the top 5 things you need to be doing...


Nerdy Board Games Rock

Embrace the dorkiness, strategy board games are here to stay! Nerdy board games are a big part of our lives and for good reasons: they're fun (duh), they teach us to think strategically when it comes to managing limited resources, and of course they can help you save money by keeping you from going out and blowing through your entertainment budget! Plus, when was the last time you sat down face to face with your friends for some old fashioned analog fun? In this episode, Joel and I cover...


Investment Property Basics

This episode is all about investment properties: what are they, how did we get started with our first rentals, and some rules of thumb that will help you when it comes to purchasing your own! After our last episode on Airbnb we knew we needed to address investment property broadly, as they’re a pillar of our future financial security. We’ll have more episodes where we’ll get more specific and discuss things like return on investment (ROI), insurance, and screening tenants. But for now,...


Should We Host an Airbnb?

Finding a sweet place to rent and spend the night is easy enough on Airbnb, but how easy is it to be a host? What are the pros and cons of hosting our very own Airstream or apartment? Am I actually going to dig out 2 feet of dirt in my basement to make room for a private apartment? In this episode Joel and I discuss the different options we're each considering and whether or not we're cut out to be Airbnb hosts. And at the beginning of this episode we popped open a Rodenbach Alexander...


You Need to Create a Budget

Everyone needs to be on a budget! A personal budget may not be the sexiest topic to discuss, but it's one of those things that needs to be talked about more. In this episode Joel and I cover our different approaches to budgeting to make sure that we're on track with our money every month - especially spending, whether on groceries, electronics, etc. You need to have a plan for your money every month, and at it's core, that's all a budget is. And this episode's beer is Tweak by Avery which...