For this episode, Dr. Josh Straub is joining us here at the His & Her Money Show to spread some wisdom and insight on family life, and the power of paying attention.

With a Ph.D. in counseling, Josh and his wife Christi created Famous At Home, a podcast and ministry founded around doing exactly as it sounds - channeling our drive to be a person of interest in our communities and professions, into being a rockstar in our homes.

RESOURCES MENTIONED

• Famous at Home | famousathome.com/
• Podcast | famousathome.com/podcast
• What Am I Feeling? by Josh Straub and Christi Straub 
• The Body Keeps the Score: Brain, Mind, and Body in the Healing of Trauma by Bessel van der Kolk M.D.

For this episode of the His & Her Money Show, we've got Rachel Cruze!

As a lot of you might already know, Rachel is the daughter of Financial Peace University's Dave Ramsey.

We talk a lot about Dave on the show but today it's all about Rachel as she drops facts on all things finances AND her brand new book, Know Yourself, Know Your Money.

We're so excited to check it out, and after hearing what she's got to say, you will be too!

RESOURCES MENTIONED

• Know Yourself, Know Your Money: Discover WHY You Handle Money the Way You Do, and WHAT  to Do About it! by Rachel Cruze
•  

Today's guest for this episode of the His & Her Money show knows ALL about that. DeShena Woodard used to be in debt - lots and lots of debt. And even worse, she didn't know what to do with it. First of all, she had a limited view of money.

Growing up, her parents put in the hours, but somehow her family stayed broke - from the looks of it, going to work just meant paying the bills and that was that. So, she followed the rule book: college and career. But ironically, college was when Deshena officially started her debt spiral.

Now they're living 100% debt free and today, DeShena runs a blog called Extravagantly Broke where she's empowered to help others find their financial grip and kick debt right out of their lives - just like she did! 

RESOURCES MENTIONED

• Extravagantly Broke | extravagantlybroke.com 
• Deshena's Instagram | instagram.com/deshenawoodard/

For this episode of His & Her Money, the topic is faith: keeping it alive within our families and helping our kids of all ages better understand God. Our guest is Scott James, a rockstar dad of four and a pediatric surgeon. So far, he's written two fantastic biblical books for kids and parents and he's here to break down his latest, Where is Wisdom? A Treasure Hunt Through God's Wondrous World.

Scott is an Elder in his church and devoted to spreading the spirit of God, building up that faith in his own kids, and providing tools and encouragement for other parents to do the same. He talks about his writing process and the inspiration behind WHERE IS WISDOM, as well as laying the groundwork for "faithful plotting" and a practical approach to teaching your kids about God, simply and effectively. Scott's words are so important today, so we hope you're taking some notes and leaving this episode feeling inspired!

Follow Scott on Twitter for even more @scott_h_james!

RESOURCES MENTIONED

• Read Scott's book, WHERE IS WISDOM!

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On this episode of the His & Her Money Show, we're talking with a couple who's done exactly that and hit total debt freedom. Louis and Rachel started their marriage with Louis' student loans, then a car loan and a few credit cards later, they found themselves in some serious debt. But once they decided to tackle it, they went all in, and they eliminated $80,000 worth of debt in just two and a half years!

WHAT YOU WILL LEARN

• Deciding as a couple to eliminate their debt
• How Louis and Rachel cut back and started saving
• Ignoring distractions and naysayers and keeping your head in the game
• The importance of considering and establishing generational wealth
• The turning point when Louis and Rachel decided they didn't want to be in debt anymore
• Louis and Rachel's secrets to staying motivated going debt-free
• Advice for couples on handling finances as a team

RESOURCES MENTIONED

• The Life JOG YouTube Channel 

On this episode of the His & Her Money Show, AJ and Khalil are taking over to share their journey into debt freedom and help get you on track to start one of your own! He's a research and development scientist, she's a business executive, and together they founded Marriage Inside Out.

They coach other couples through the ups and downs and ins and outs of marriage, family, finances, and more! So basically, these two are total professionals and know exactly what they're talking about, so it's no surprise to us that this smart money couple managed to kick their $97,000 debt in just three years - and keep listening to find out how!

WHAT YOU WILL LEARN

• How Khalil and AJ got their debt freedom story started and how they kept it going
• Their modified debt snowball effect
• Tips and strategies to going debt-free
• Unpacking budgets - why they're important, how they work, and sticking to it
• Different ways Khalil and AJ saved money towards their debt-free process

RESOURCES MENTIONED

• Marriage Inside Out 
• Marriage Inside Out Podcast

Here at His & Her Money, we like to cover all the bases when it comes to family life, and parenting our children is a huge part of that. Every parent just wants to set their kids upright, so today we're tackling a ridiculously important and ridiculously under-discussed topic around protecting our kids: internet security. 

On today's episode of the His & Her Money Show, we've got Chelsea Brown on board to break it all down for us. Chelsea is an ethical hacker, which means she's a web wizard with a cybersecurity degree to back it up.

Her peers' experiences with cyberbullying and doxing back in the Myspace days inspired her career path, and today her job is all about navigating the internet and all the technology that comes along with it, and coaching parents how to keep their kids safe in a space that's not always kid-friendly.

Check out Chelsea and learn more at digitalmomtalk.com!

RESOURCES MENTIONED

• Authy App | authy.com/
• OurPact App | ourpact.com/
• uBlock | ublock.org/
• Privacy Badger | privacybadger.org/

In this episode of the His & Her Money Show, we can't even tell you how excited we are to have some experts on the subject. We're talking with our friends, entrepreneur power couple Kev and Melissa AKA KevOnStage, and MrsKevOnStage.

These two are the real deal - they're in the Hollywood game and seriously hustling, and are a huge inspiration to anybody wondering what finances, business, and teamwork look like from a marital perspective. 

Sometimes getting on the same page hustle-wise with your partner seems like an uphill battle, especially when only one side has the entrepreneurial energy, but Melissa and Kev are sharing their story from the ground up to get everybody caught up and looking in the right direction.

RESOURCES MENTIONED

• KevOnStage Studios YouTube 
• KevOnStage YouTube 
• MsKevOnStage YouTube 
• The Love Hour Podcast 
• A Calculated Risk Documentary

We've said it before, but we'll say it again: His & Her Money Show isn't just a financial podcast. We're a platform to raise and discuss the issues that are relevant today, be it money, marriage, faith...or sometimes all of the above! We listen and we hear you, and we hope you're as excited as we are for some much-needed conversation with a much-request guest speaker!

For this episode of the His & Her Money Show, we've got Jemar Tisby in the house to talk race, religion, and taking action. Jemar is a hot topic with his new book, The Color of Compromise, and we're so happy we got him on today to drop facts and wisdom on the racial divide, and most specifically, what our Christian church can do -- and what is ISN'T doing -- to help curve the disconnect and, hopefully, start to heal the world.

WHAT YOU WILL LEARN

• What inspired Jemar to write The Color of Compromise
• Looking back on segregation and how it reflects on today
• The role that the church has played in systemic racism
• The importance of practicing what one preaches
• Unpacking the racial division in America and the many ways it presents itself

RESOURCES MENTIONED

• Jemartisby.com
• The Witness - A Black Christian Collective | thewitnessbcc.com/
• The Color of Compromise: The Truth About the American Church's Complicity in Racism by Jemar Tisby
• How to Fight Racism: Courageous Christianity and the Journey Toward Racial Justice by Jemar Tisby

On today's episode of the His & Her Money Show, entrepreneur extraordinaire and full-time YouTuber Ryan Scribner is coming in to drop his secrets all about it, from generating income through social media and how he went from working the 9-to-5 to bringing in $1,000 per DAY.

Ryan juggles his financial blog Investing Simple and a self-named YouTube channel, where he averages a million views per month and spreads the word on how everybody listening can kick start their own entrepreneurship journey and take total control of their finances all at the same time.

In this episode, Ryan is dropping so many tips and practical advice about making money through social media. He discusses YouTube in particular.

We discuss maintaining and keeping track of your channel, deciding to get started and tackling the basics, and staying focused and getting your numbers up. It's a ride and you won't want to miss out. Get your note-taking supplies out and ready and soak up as much as you can!

RESOURCES MENTIONED

• Investing Simple | investingsimple.com/
• Ryan’s YouTube Channel

Today on the His & Her Money Show, we're talking with Pongee Barnes: wife, mom, and real estate investment rockstar. Pongee and her husband have an impressive real estate portfolio, and even more than that, an impressive outlook on life with their two young boys. 

They're outspoken advocates about the importance of teaching and setting up our children (especially our black children) for the future, not just financially, but with knowledge. Giving our children the tools to succeed sounds like a no-brainer but we might be surprised how many kids grow up without the know-how or even the can-do to be successful once they're out in the world.

RESOURCES MENTIONED

• Pongee's "Little Owners" book series! | littleowners.com/

On this episode of the His & Her Money Show, we've got the best person in the house today to talk about all that. A serial entrepreneur: Ericka Williams, businesswoman extraordinaire who wears so many hats, it's almost hard to keep track.

Ericka was exposed to entrepreneurship at a young age and there was just no turning back for her. Now, Ericka uses her platform to promote self-made businesses while managing her own income streams and absolutely thriving.

RESOURCES MENTIONED

• Ericka’s YouTube 
• Rocket Fuel: The One Essential Combination That Will Get You More of What You Want From Your Business by Gino Wickman and Mark. C. Winters 
• The E-Myth Revisited: Why Most Small Businesses Don't Work and What to Do About It by Michael E. Gerber 
• The Illusions of Entrepreneurship: The Costly Myths That Entrepreneurs, Investors, and Policy Makers Live By by Scott A. Shane

On this episode of the His & Her Money Show, we're giving Dr. Lynn Richardson the floor to bring out some of her strategies, insight, and wisdom on reviving 2020 and ending this year strong for 2021.

We love talking to Lynn and it's a fact that you'll learn a whole lot sitting in on any conversation with her, especially today -- so get your note-taking supplies on standby to get down all these nuggets of wisdom she's about to drop!

What You Will Learn

• Getting your strategy together and putting it to work
• The importance of adaption and making new moves
• The power of making "new money memories"
• Lynn's fourth-quarter gameplan
• The importance of running your own business

Resources Mentioned

• 21 Days to Financial Freedom 

We're so excited to share this episode of the His & Her Money Show! Our good friend Allison Baggerly from Inspired Budget is here and she's a bit of an expert on total debt elimination. You wouldn't be surprised, because she and her husband paid off $100,000+ worth of debt in four years!

Now, she's using her platform to help others, specifically, women, learn to eliminate debt and keep it gone for good through budgeting and taking total control of their finances -- and you can learn too!

WHAT YOU WILL LEARN

• The importance of multiple streams of income, and how Allison utilizes them
• Recognizing your own money habits, the good and the bad, and figuring out what might need to change
• The moment Allison and her husband decided to pay off their debt
• How Allison turned her debt-free story into a business
• Staying on track while you're paying off your debt

RESOURCES MENTIONED

• Inspired Budget | inspiredbudget.com
• This Is Awkward Podcast 

Today’s show is sponsored by Legal and General America. Legal & General America makes understanding and applying for life insurance easy. Also, agents are standing by to help you determine the best coverage to fit your family’s needs.

Visit HisandHerMoney.com/lgapodcast to get started on your journey toward financial wellness.

Kerry Lampkin is here with us today on the His & Her Money Show and we couldn't be more hyped about it. Kerry is a self-made real estate investor and entrepreneur extraordinaire, who blasted his investment portfolio from zero to $3.4 billion in just four years. Four years!

That's right, Kerry learned the business and jumped in with both feet to build a wholesale empire and he's here to take us through every aspect of the journey, from beginning to now, and everything he learned along the way.

RESOURCES MENTIONED

• Website | kerrylampkin.com/

Making that first step as a couple to pay off your debt is a huge learning curve for you and your partner. It might look like a long, long road ahead, but if you work together to stay on track, the process can be faster than you thought.

On this episode of the His & Her Money Show, one of our very own smart money couples, Kendrick and LaTasha from Missouri City, Houston, are putting out some hard facts on how they jumped the hurdles to achieve financial freedom and paid off their $53,637.60 debt in 22 months! LaTasha was initially inspired by a coworker to start eliminating their debt. The couple already had a good foundation: they were already living below their means, but once they busted out the calculators and started crunching their numbers, they quickly realized how they could cut way back.

Today, Kendrick and LaTasha and here to share all about their debt-free journey, how they got to the sweet day of that last payment and spreading even the word on their couponing strategies. You're gonna get some great pearls of wisdom from their wild ride and we hope you can apply it to your own road to financial freedom!

RESOURCES MENTIONED

• Cash, Curls, Common Sense IG
• facebook.com/groups/CVSCouponingRocks/
• thekrazycouponlady.com/
• The Richest Man in Babylon by George S. Classon

On today's episode of the His & Her Money Show, our guest speaker Jesse Mecham is a man who takes his budgets very, VERY seriously. That's why he's the founder and CEO of You Need A Budget. YNAB is a company that's all-in on guiding people and business owners to understanding all things money management. 

He's dropping so much information on the topic, including loads of insight on financial management for couples, from bringing a reluctant significant other onboard and the importance of tackling the budget as a united front.

Jesse is a walking wealth of information and this is an episode with serious note-taking potential. Get your pens and papers out to get some of this knowledge down. Moreover, get ready to get started on that budget!

RESOURCES MENTIONED

• You Need A Budget | Try it free for 34 days! Go here to start your budget. 
•  

On this episode of the His & Her Money Show, we're talking to a couple who has first-hand experience on what it takes to plan, budget and pay your way to total debt elimination. Brandon and Audri have been married 14 months and in that time, while they're still in the middle of their debt-free journey, so they've knocked out $30,000 of debt and are going strong!

WHAT YOU WILL LEARN

• Keeping up a flexible lifestyle even while living within the budget
• The benefits of having positive money role models
• Brandon and Audri break down their phase-based debt elimination plan
• Finding a money management strategy that fits you both as a couple
• Understanding interest rates
• How Brandon and Audri are staying on track to continue knocking out their debt in the future

RESOURCES MENTIONED

• Playing With FIRE (Financial Independence Retire Early): How Far Would You Go For Financial Freedom? by Scott Rieckens 

On today's episode of the His & Her Money Show, financial powerhouse Lynn Richardson is back at it again for another incredible, information-packed episode you know you won't want to miss.

This woman knows it all --- financial planning to career planning to generational wealth and beyond --- and we're giving Lynn the mic to go off on some super important topics we should all be thinking about, talking about, and manifesting into our own realities.

RESOURCES MENTIONED

• Lynn Richardson's Classes

Today’s show is sponsored by Legal and General America. Legal & General America makes understanding and applying for life insurance easy. Also, agents are standing by to help you determine the best coverage to fit your family’s needs.

This is such an inspirational and courageous story of a mom who quit her comfortable and lucrative employment while giving birth. We know this might sound strange. But, you must check out this episode!

This mother gave herself options and you have to hear what she's doing now. She gave herself a two-year timeframe to make things happen and if not, she was ok with going back to her job.

After listening to her story, you're going to leave with tools that you need to put your financial life in order.

Resources Mentioned

• Mamas Talk Money Summit - http://hisandhermoney.com/mtm

We connected with today's guest years ago but we're just now making this episode of the His & Her Money Show happen - but it's better late than never! We've got Damien Peters in for you, founder and CEO of Wealthy Noir, where he's keeping black entrepreneurs and the whole world up to date on budgeting, investing, and unlocking the greatest key to success: making your money MAKE money!

This is a man who wears a lot of hats. Damien has real estate portfolios, a consulting business, has worked at Facebook, and is up to so much more, all while managing work time and family time without breaking a sweat. So, how did he go from his computer science degree and Silicon Valley to helping young professionals master their finances? It's a great story, and he's more than happy to lay it all out for us. 

WHAT YOU WILL LEARN

• Finding your work/life balance
• Learning to think beyond the budget
• How Damien has built and maintained his success through smart money moves and management
• What are Robo advisors?
• Keeping track of your money and knowing where it all goes once it comes in
• The importance of emergency funds
• Damien's debt story
• Getting started in investing, the basics
• Damien walks us through his top real estate investment strategies
• how Damien and his wife make their budget work
• Staying focused by setting practical goals and hitting them hard

RESOURCES MENTIONED

• Wealth Noir | wealthnoir.com/
• Instagram | instagram.com/wealthnoir/
• Instagram | instagram.com/therealmrpeters/
• The Millionaire Next Door: The Surprising Secrets of America's Wealthy by Thomas J. Stanley 
• The Book on Managing Rental Properties: A Proven System for Finding, Screening, and Managing Tenants With Fewer Headaches and Maximum Profit by Brandon Turner and Heather Turner  
• The 4-Hour Workweek by Timothy Ferriss  
• M1 Finance | m1finance.com/
• Betterment | betterment.com/

Today’s show is sponsored by Legal and General America. Legal & General America makes understanding and applying for life insurance easy. Also, agents are standing by to help you determine the best coverage to fit your family’s needs.

Have you heard of the term net worth? Have you ever wondered what your net worth is? If so we have a great show lined up for you.

In this episode of the His & Her Money Podcast, we brought on a very special guest by the name of J.Money from BudgetsAreSexy.com. J.Money is super knowledgeable on the topic of net worth (and loads of other personal finance subjects), and took some time out of his busy schedule to educate us on the matter.

J.Money is a veteran personal finance blogger and is the creator of the websites BudgetsAreSexy.com, and RockStarFinance.com. 

With busy, sometimes unpredictable schedules, we know you've got a lot going on and that finding dedicated time to pray and keep up that connection with God can get harder and harder. Well, first off, don't worry: a lot of us have been there, and it's okay! Just remember there are always ways to prioritize and strengthen that connection, to fit all schedules, and you're about to learn how!

In this episode of the His & Her Money Show, we're focusing on faith and keeping our prayer lives healthy and active. Author, speaker, and prayer warrior Chrystal Evans Hurst knows all about hitting that wall, and today she's spilling everything: how she realized that her prayer life wasn't where she wanted it to be and the steps that she took to fix it, and how that experience has inspired her to help others do the same through social media and her brand new book, The 28-Day Prayer Journey: A Daily Guide to Conversations with God.

RESOURCES MENTIONED

Chrystal's website: chrystalevanshurst.com/

The 28-Day Prayer Journey: A Daily Guide to Conversations with God by Chrystal Evans Hurst

Our guest today has a LOT to say about that. This episode of the His & Her Money Show, real estate superstar Rich Carey is stepping back in by popular demand for another information-packed episode!

The first time Rich came on the show with us three years ago in one of our most popular shows to date, he walked us through the beginning of his real estate investment journey, and today we're catching up on where he's at now and how his business has continued to grow ever since.

RESOURCES MENTIONED

• Rich's First "His & Her Money" Episode

Sometimes the process of becoming debt-free is a total life overhaul that takes a lot of hard work, a lot of time, and a whole lot of dedication from both sides, and a lot of questions can come along with it. What if one partner wants to pay off debt and the other one doesn't? How and where do we start? Will long-term commitment hurt our relationship?

Well, on this episode of the His & Her Money, we're answering some of those questions with Mike and Ashley, a debt-free couple who we can all learn a LOT from! Together, they cracked down on $57,000 worth of debt and knocked it all out super fast. Now they're trying to inspire others that getting out of debt is a big project to tackle, but with the right mindset and determination, it's not impossible!

WHAT YOU WILL LEARN

• How and when Mike and Ashley decided to eliminate their debt
• The importance of staying on the same page as a couple while managing your personal finances
• Talking money before marriage
• How Mike and Ashley paid off their $57,000 in just 32 months
• Ways to stay focused and resist spending temptation

RESOURCES MENTIONED

• Check out Ashley's blog! | ashleymwalter.com/
• Follow Ashley and Michael on Instagram:
• instagram.com/ashleymwalter/
• instagram.com/themichaelwalter/
• Michael on iTunes! | music.apple.com/us/album/your-love-is-so-amazing-single/1226280262

In this episode of the His & Her Money Show, Linda Gartz joined us live for some conversation about something that's a little bit less talked about: redlining. Whether you've heard of it or not, redlining was once a hot topic in segregated America. As Linda describes, if an African-American family - or, to a lesser extent, other races or nationalities - moved in a neighborhood or even an apartment, the entire neighborhood would be suddenly ineligible for loans.

Linda breaks down the history of redlining and her own experiences, reflecting on the aftermath of Martin Luther King Jr's assassination in her own childhood neighborhood and bringing forward the parallels between then and now. The Fair Housing Act ended official redlining but it's still so relevant in today's climate, and this is a chat you will NOT want to miss. Check out Linda's book for more and keep the conversation going!

Resources Mentioned

• Find Linda! | lindagartz.com/
• Twitter | twitter.com/LindaGartz
• Redlined: A Memoir of Race, Change, and Fractured Community in 1960's Chicago by Linda Gartz  
• Mapping Inequality 
• The Color of Law: A Forgotten History of How Our Government Segregated America by Richard Rothstein 
• From Here to Equality: Reparations for Black Americans in the Twenty-First Century by William A. Darity 

On this episode of the His & Her Money Show, we take that philosophy and run with it for some great, great conversation. Casanova takes us through it, from his childhood in Chicago to where he is today and everything that went down in between, the good and the bad. Casanova is a voice of nothing but inspiration, positivity, and light, and anybody can learn a thing or two from his mindset and practical advice for getting through the rough patches and coming out strong!

In his own words, he's built his life and success around one main thing: relationships. And obviously it's served him well! He has strong views on networking and cultivating strong relationships in work and life in general. Casanova also gives us some insight into how he's applied it to countless situations. 

RESOURCES MENTIONED

• Website | casanovabrooks.com/
• Dream Nation Podcast | dreamnationpodcast.com/
• The 4-Hour Work Week: Escape 9-5, Live Anywhere, and Join the New Rich by Timothy Ferriss

Here at His and Her Money, we're all about helping couples through every single aspect of life, big or small, be it financially, spiritually, or even in the marital realm itself. These are conversations that we as a community NEED to be having every day, and sometimes we even bring on another couple sit down with us and do exactly that.

Today, that couple is the Lindseys, joining us for an incredible episode of the His & Her Money Show. Cornelius and Heather are the very definition of a power couple. They've been married for 10 years and in that time, they've 23 books between them as well as started their own church, the Gathering Oasis, and so much more. And now they're here to walk us all through it!

RESOURCES MENTIONED

• Heatherllindsey.com/
• Corneliuslindsey.com/
• Life with the Lindseys Podcast 
• Silent Majority Podcast 
• The Gathering Oasis

On this episode of the His & Her Money Show, Nicole Rule is at the mic to talk about financial independence, and how we can normalize the whole idea behind financial freedom to let everybody know that it IS achievable.

Nicole is a mom of four and a total entrepreneur, who's the owner of Greatest Worth and recently launched The Abundant Life Summit. She knows exactly what she's talking about and we know you'll want to hear it!

RESOURCES MENTIONED

• Abundant Life Summit | hisandhermoney.com/abundantlife
• Greatest Worth | greatestworth.com

Today on the His & Her Money Show, Ericka Young is back for another amazing episode around a topic that's definitely relevant today.

First of all, though, she's a seasoned financial coach, and after she and her husband achieved total debt-free financial freedom, she wants to spread that enthusiasm to others, helping couples and individuals manage their finances and maximize their money.

And her insight and nuggets of wisdom are more needed now than ever, so get ready for an information-packed conversation so you can soak up all this knowledge!

RESOURCES MENTIONED

• Ericka’s Beyond The Budget Course | hisandhermoney.com/beyondthebudget

Well, for this episode of the His & Her Money Show, we're all about the stock market, and we've brought in the expert to get the conversation started. Kevin L. Matthews II is a Top 10 financial advisor turned best-selling author who has helped hundreds of people plan for their retirement and manage their assets. So, we knew he was the guy to ask all your burning questions, and today he's bringing all the answers!

Kevin takes us through all aspects of the stock market, starting with the basics: figuring out what type of investor you are or want to be and how to get the ball rolling. From there, he breaks down picking stocks, index funds, fractional shares, and lets us in on his own personal philosophies for investing to success. 

RESOURCES MENTIONED

• Kevin’s Investor's Toolkit | hisandhermoney.com/investortoolkit

Today on the His & Her Money Show, our guest Ernest Fenton is a passionate voice on estate planning. If you already know Ernest, he's made several radio appearances to help shake off all and any preconceived notions and start-up that conversation about estate planning today, so you can start creating your legacy and securing your assets for the future.

Get in contact with Ernest at attorneyernestfenton.com!

As parents, it's our full-time job to set our kids up for life. Giving them the tools and mindset to succeed at whatever they want to do.

On today's episode of the His & Her Money Show, we've got two shining examples of early business education with Terrie Chantel, aka PajamaCEO, and her son Austin. Terrie is a mom of three who's passed on her love for business and entrepreneurship to her sons. She firmly believes it's never too early to start educating and inspiring our kids through example today, to be even more successful for tomorrow.

Back in the day, Terrie thought she knew what success looked like: going to college, settling into a career, and work, work, work. Then she realized there was so much more to her AND the opportunities life had to offer. It took a few years for Terrie to get the entrepreneur itch, but once she did, she was on a mission, overcoming obstacles and discrimination to design her own dreams and start setting up those goals to achieve them. Now Austin is following in her footsteps, putting in the work and hustling hard towards a promising music career and as many businesses as he can start along the way.

Today, she and Austin are spilling their entrepreneur mindsets, hacks, and strategies, and giving us a look in the playbook for getting that fire started at a young age. Parents, get that pen and paper out, and you might even want to grab the kids for this one - it's a ride you won't want to miss!

WHAT YOU WILL LEARN

• Breaking down the legacy mentality
• How Terrie overcame her experience with racism in the workplace
• Various ways Terrie encourages her sons to grow their dreams
• Feeling trapped in the traditional career path
• How Austin is utilizing his entrepreneurship skills
• The how and why Terrie decided to teach her kids about business early
• Using Poshmark to generate income
• Terrie's first side hustle

RESOURCES MENTIONED

• Terrie’s Website
• Terrie’s Facebook 
• Poshmark

On this episode of the His & Her Money Show, we hope you're getting ready for a masterclass. Ashley Hamilton was a single mom supporting her kids day by day as a waitress and her success story is amazing, how she went from making $20,000 a year to building a real estate investment empire out of Detroit.

Ashley knew she wanted a more passive income so she could spend less time working and more time with her family. So, she put a lot of thought in, watched a lot of HGTV, and started doing the work!

She mostly deals in single-family homes and buy-and-hold rentals, and throughout the episode, she takes us inside her process, from picking and flipping properties to managing her team and tenants. Whether you're just curious or about to take that first step into real estate yourself, what Ashley has to say is important information for anybody, so start taking notes and get ready to soak up all this knowledge!

Keep up with Ashley on Instagram @detroit_investor!

Something that we talk about a lot at His & Her Money is student loans. With so many people out there struggling with their student loan debt, we know it can be overwhelming on a good day, but especially in today's uncertain times. Federal student loans are currently on pause until September, but then what? When school is officially back in session, where do you go from there?

Well, for today's episode of the His & Her Money Show, we brought in somebody who's a bit of an expert on the whole subject of student loans and everything -- we mean EVERYTHING -- that comes with it.

Robert Farrington is here dropping facts and wisdom on tackling your student loan debt and coming up with your own effective, stress-free approach to knocking them out as fast and smooth as possible!

RESOURCES MENTIONED

• The College Investor | thecollegeinvestor.com/
• LoanBuddy | loanbuddy.us/
• Student Loan Forgiveness Options |https://thecollegeinvestor.com/578/ways-to-get-student-loan-forgiveness/
• Financial Aid Programs By State | https://thecollegeinvestor.com/student-loan-financial-aid-by-state/
• Student Aid Resources | studentaid.gov/
• College Scorecard | collegescorecard.ed.gov/

Family is everything, and being able to guide our children spiritually and financially to shape their futures is such an important part of it. At first glance, it may look intimidating, but it doesn't have to be - and our guest today is living proof.

For today's episode of the His & Her Money Show, Jerrad Lopes is on board to give us all some insight on his own personal growth as a father, and how he's helping guys around the world lead their families spiritually and beyond. Growing up without a dad shaped Jerrad's life more than he initially realized, and today he's a pastor dedicated to ministry and family as the founder of Dad Tired.

When Jerrad created Dad Tired, it was completely unexpected. He wanted to create a space for men to come together and share their journeys and experiences, and it snowballed from there into something amazing. With his podcast and community, Jerrad is supplying resources to help guide fathers in leading their sons and daughters to Christ, success, and happiness, and pushing through the same adversaries he experienced himself towards fixing up and nurturing the ultimate family dynamic. This is such a great episode for anybody, and Jerrad is giving away so much wisdom on the topic of manhood, family building, and becoming the version of yourself that you always knew you could be!

RESOURCES MENTIONED

• Jarrad's website Dad Tired
• Dad Tired and Loving it: Stumbling Your Way to Spiritual Leadership by Jerrad Lopes  
• Cry Like a Man: Fighting for Freedom from Emotional Incarceration by Jason Wilson

Entrepreneur extraordinaire Ayesha Selden is our guest and she's ready to drop some wisdom on everybody listening! Ayesha always knew she was gonna be successful, and she did THAT and THEN some. She took on the stock market and real estate industry single-handed.

Furthermore, she built up a million-dollar business plan and amassed a strong set of values and wisdom along the way that she's spreading around as far as she can reach.

Today, she's dropping some practical investment advice right here as well as keeping the conversation going on investment, wealth building. Ayesha also breaks down the importance of just going for it as up-and-coming black industry leaders and entrepreneurs. It's an incredible episode, and we hope you glean as much knowledge from Ayesha as we have - and that you might even want to get to work!

Follow Ayesha on Twitter and Instagram @ayeshaselden!

RESOURCES MENTIONED

• Mud 2 Millions: Ayesha Selten's 7 Step Wealth Cheat Codes 

Managing your money as a couple is a big deal. Whether you're still battling those student loans or already living debt-free, regardless, it's important that you and your partner are both on the same page. Nicole Iacovoni overcame her own financial crisis and is now using her experience to continue helping and inspiring other couples to do the same!

In this episode of the His & Her Money Show, we have Nicole on board to walk us through her debt-free journey as an entrepreneur. Nicole is a licensed psychotherapist specializing in couples therapy. She had big plans when she decided to expand her mental health practice into a full-service wellness center, but before she knew it, she and her business were deep in debt and struggling to generate income with seemingly no way out.

Not only did this negatively affect the practice, it starting to take its toll on her marriage too. That's where Nicole drew the line. She learned so many valuable lessons about marriage and money throughout the process of eliminating their debt, she's added financial therapy under her belt and is giving out advice, tips, tricks, and first-hand experience to anyone out there looking to take better control of their finances and start their own debt-free story! 

RESOURCES MENTIONED

• https://nicoleiacovoni.com/date-your-money/

On this episode of the His and Her Money Show, certified financial planner Carter Cofield is back on the podcast and we're talking business: YOUR business.

Carter knows what he's talking about when it comes to money so it's no question why we want you to hear everything he's got to say about entrepreneurship, and stepping out of your comfort zone to start your own business.

RESOURCES MENTIONED

• Carter’s Deduct Everything Course
• CofieldAdvisors.com
• Rich Dad's CASHFLOW Quadrant: Rich Dad's Guide to Financial Freedom by Robert T. Kiyosaki

Today's episode of His & Her Money is all about entrepreneurship, and it's a game-changer! Our guest is celebrity financial coach Dr. Lynn Richardson: she's been here before, and by popular demand, she's back and breaking down the facts on home-based businesses, what they are, and why they're essential to work-life balance, wealth building, and financial independence.

You can have your 9-to-5 and run your home-based business, or commit to it full-time, but whichever way you choose, Lynn knows having a home-based business is a MUST. And she'll tell you why! She's a goldmine of information and tips to success, so we hope you've got your pen and paper out to be taking some notes from this one.

RESOURCES MENTIONED

• Lynn Richardson's classes

On today's episode of the His & Her Money Show, self-acclaimed "podcast nerd" and Do You Even Blog? founder Pete McPherson is here to lay it all out. Back in 2009, Pete unexpectedly launched his podcasting career with some friends. It was short-lived. So, he made the switch to accounting, then when he realized the corporate grind just wasn't the life for him, he decided it was time to hustle.

Side hustle, that is.

Over 50 failed blogs and online businesses later, Pete is back in the game as a full-time entrepreneur, blogger, and podcast rockstar. He's an awesome voice in the podcast and blogging community and a walking, talking wealth of information that any aspiring podcaster needs to know.

If you're looking into starting your own blog or podcast, go on over to Do You Even Blog? and check out everything Pete has to offer in his Podcourse program so you can get started off on the right foot, backed by the tips and tricks you won't be finding anywhere else!

RESOURCES

• Podcourse (Use the promo code HISHERMONEY for 20% Off)
• Do You Even Blog (Podcast)
• Podbean 
• Libsyn 
• RedCircle 
• Audacity 
• Auphonic 
• FixMyLevels

This episode discusses an area of your personal finance journey that has been overlooked. We are joined by Danielle Kunkle-Roberts to discuss the Health Savings Account and the benefits of opening one at any point in your financial journey. 

Danielle is co-owner of Boomer Benefits, a licensed insurance agency that helps Baby Boomers navigate their entry into Medicare. 

Health Savings Accounts or HSA’s are a great savings tool to put aside the necessary money for Medicare and what it’s going to cost you in your retirement.

An HSA is an account that you can open when you have a qualifying high deductible health insurance plan that you can deposit money into tax-free that grows over time with interest that you can use to pay for qualified medical expenses.

This episode of the His & Her Money Show is ALL about credit. And we've got the best person to lead the conversation. Jeri Toliver is taking us through the ins and outs of the credit score and how our actions can impact it positively or negatively. But even Jeri wasn't always the most proactive person when it came to credit. She's letting us in on her story, a single mom of two realizing her financial situation wasn't what it needed to be, to where she is now as a homeowner with an 850 score and thriving.

Bad credit can follow you around for life, or you could get serious and start making the changes now to get your credit right. Now that Jeri is getting all the good rates and seeing the benefits of having her credit in check, she's full of wisdom about how you can do the same while building wealth and setting yourself up for the future. She doesn't stop until she's covered all the bases, and this is a great episode for everyone!

Keep up with Jeri @ FLYYCredit.com!

RESOURCES

• Jeri's 850 Blueprint Course 
• The Richest Man in Babylon by George S. Clason 
• Credit Karma 
• myFICO

The financial and personal freedom entrepreneurship can offer would be appealing to any couple. Though, it can feel impossible when your bank account is being drained by student loan debt every month. 

Kelan and Brittany Kline found themselves in that exact position in 2016. With $40,000 in combined student loan debt, they were stuck in routines at jobs that left them uninspired. 

After sitting down and taking a good hard look at what they had and deciding what they wanted, they came up with a plan that changed their financial trajectory.

Over the course of three years, they were able to quit both of their jobs, figure out how to grow a successful online business and pay off all their student loan debt in 5 months. Yes, you read that right… 5 months!

Listen in to learn how you can do the same. Kelan and Brittany share their experience navigating entrepreneurship while in debt. They talk about finding health insurance for their growing family, figuring out when it became the right time to walk away from their jobs and the challenges of working together as a couple.

There are questions we all ask ourselves: am I making enough money? Is it going to the right places? How do I keep building wealth and make the most of it without breaking the budget? These questions might be open-ended, but there ARE answers, and we hope you'll find some of those by tuning in with us today!

This episode of His and Her Money, we dig deep into getting the most out of our income potential with Art Rainer. He's a writer, speaker, husband and father, and a motivator, looking out to help others hit all their financial goals. Today we're talking about his latest book, Find More Money: Increase Your Income to Tackle Debt, Save Wisely, and Live Generously, and breaking down how to make a few changes and best optimize our income to live the life you've always wanted.

Art is laying it all out for us in this one, sharing the mindset and resources behind his God-first approach to finances and the tools he's used to build his own empire while inspiring everybody within his reach to do the same. From hitting the books and evaluating your debt elimination process, to launching your side hustle, Art is a voice of reason to us all and can light the fire under you to get your finances right and start reaching your goals today!

RESOURCES MENTIONED

• artrainer.com
• Find More Money: Increase Your Income to Tackle Debt, Save Wisely, and Live Generously by Art Rainer
• The Money Challenge: 30 Days of Discovering God's Design for You and Your Money by Art Rainer 
• The Marriage Challenge: A Finance Guide for Married Couples by Art Rainer

On this episode of the His & Her Money Show, our guest is taking us to school on money mindsets. Takisha Artis is a financial life coach who loves to help women entrepreneurs generate wealth and manage their money the smart way, pushing her clients to get their minds right and develop the strategies that work best on an individual level.

WHAT YOU WILL LEARN

• Finding your own version of wealth
• Revamping our outdated ideas of money
• Listening to your internal dialogue
• How Takisha breaks down money into categories for her clients
• Takisha's story, from bankruptcy to thriving
• Shaking the victim mentality and taking accountability for your own money choices

RESOURCES MENTIONED

• Takisha's website

The world is changing, and our guest on this episode of the His & Her Money Show is watching it all go down and offering up some incredible advice. Dr. Derwin L. Gray is a husband, father, pastor, and author who came from a career in the NFL to found Transformation Church, a multiethnic South Carolina based community.

Today we're talking about his new book and his thoughts on life in general, from race to the church to what happiness means to each and every one of us.

RESOURCES MENTIONED

• The Good Life: What Jesus Teaches About Finding True Happiness by Dr. Derwin L. Gray 
• Transformation Church

In this episode of the His & Her Money Show, we're having THAT conversation with Arian Simone and Dr. Nicole Garner Scott. These women noticed the lack of financial education in the African-American community and did way more than just pay attention, they took it to heart and teamed up to start a movement.

LEGACY OR LOSE is a campaign focused on bringing awareness and filling the cracks, doubling down on the importance of wealth-building, education, and financial literacy.

Arian and Nicole have built a powerful community and they're here right now to share some of their insights on tackling the wealth gap and how together, we can leave bias and systemic oppression in the past. But this interview is just the tip of the iceberg for these two. They're a wealth of information and inspiration and there's so much more to know, so you can get involved and join the movement at legacyorlose.com!

RESOURCES MENTIONED

• Legacy Or Lose Online!
• Courses | legacyorlose.com/courses
• nicolegarnerscott.com
• Amount Financial 
• ariansimone.com
• The Fearless Money Mindset: Broke Doesn't Scare Me by Arian Simone

Here at the His & Her Money Show, we love hearing debt-free stories, especially from smart money couples who got their head in the game and are crushing all their financial goals. In today's episode, we're talking with a couple whose story is a little bit different than the norm. Three years ago, Curt and Wendy kickstarted their debt-free ride with over 20 years of marriage, 6 kids, two full-time jobs, and $1,000,000 in debt between them.

Yeah, you heard that right: a MILLION dollars.

This couple is working on doing the impossible, paying off their monster debt and socking away money for their future and their kids. Today they share their strategy, mindset, budget tips, and how they even sold their SoCal house to tackle real estate investment to generate income. It's a crazy journey and they're not done yet - they've eliminated $650,000 of debt so far and can't wait to cross that financial independence finish line!

RESOURCES MENTIONED

• Curt and Wendy’s website
• House of Fi on YouTube
• House of Fi Podcast

Today’s episode features Brian Dembowczyk discussing parenting and how to bring the bible into your children’s lives. Brian talks about mistakes that he made and what it feels like to feel unqualified to disciple your children.

Brain’s journey in the ministry has led him to a focus on equipping parents on how to better minister to their children. 

The discussion goes into depth about how to make your ministering fit for your family and your household. Things like having a discussion around the dinner table, praying together, and layering in opportunities to talk about God. Brian talks about structured times and unstructured times. 

Brain Dembowczyk is a minister and author specializing in bringing biblical teachings to children with realistic steps and goal setting. Brian is the managing editor of the gospel project at Lifeway Christian Resources, leading the kid’s team helping kids and parents introduce the scriptures. Brian has experience in student and family ministries.

Over here at His and Her Money, we love hearing your debt elimination stories from smart money couples. In today's episode, we've got Nadia Malik telling us all about her inspiring journey. She and her husband have taken total control of their finances, and they've been living debt-free for 10 years.

AND paid off a house.

Did we mention this was almost all done on a single income?

RESOURCES MENTIONED

• Nadia’s Website 
• Nadia’s YouTube Channel

As financial bloggers, His & Her Money sees hundreds of debt-free stories. We love to see those calculators out and the numbers going down, but these stories aren't just about the money, it's also about the people behind it. In today's episode, our guest's experience with becoming debt-free has a different spin on what money means to her and how she's used her financial smarts to better her life in unpredictable ways.

We've got Kassandra Dasent here with us today, a boss lady CEO who went all-in to knock out her $55,000 consumer debt. A successful businesswoman with a passion for holistic wellness, once she realized her debt was holding her back, Kassandra was giving up her dream condo and saying goodbye for now to a lot of the luxuries in her life, just to get her finances right and become more fiscally responsible for the future.

This wasn't just a financial journey, but a total lifestyle overhaul. While budgeting, saving, and upping her income potential, Kassandra was shaking off decades worth of bad habits and learning so much about herself and how she was managing her money. And now she's back to living her best life with her husband debt-free! Kassandra is a great example of putting in the work, and we hope you can learn a lot from her inspiring journey.

RESOURCES MENTIONED

• www.kassandradasent.com/
• twitter.com/KassandraDasent/
• instagram.com/kassandradasent/
• facebook.com/MindingYourMoneyKD/
• linkedin.com/in/kassandradasent
• getrichslowly.org/

On today's episode of His & Her Money, we were so happy to link up with a couple from our Smart Money Couples group for a conversation about debt freedom. Christy is an elementary school teacher living in Qatar with her husband, and most of the debt she brought into their marriage was student loans.

Several reasons pushed her towards paying off her debt, mostly her faith, and also the opportunities she realized she was missing out on. Initially, debt held Christy back from her dreams of being a missionary, and even after getting married, there were things the couple still struggled to do.

And that's when it was time to hustle!

RESOURCES MENTIONED

• teachanywhere.com/
• teachaway.com/
• www.searchassociates.com/

Rachel wasn't a stranger to real estate when she decided to make the switch to mobile home investment - she just wasn't totally prepared for all the twists and turns she'd hit along the way. The mobile home market is a completely different niche than single-family homes AND it's not the most talked-about investment opportunity. But no worries: on today's episode of the His & Her Money Show, Rachel is spreading the word on how she did it and how you can get started too!

We hope you've got your pad and pencils out to take some notes and from Rachel as she breaks down the decision to go from burned-out landlord to mobile home investment superstar. She's got an insider perspective on how the market moves and some super helpful stepping stones for getting into the business, from choosing your communities, cutting your deals, negotiating with park owners, and so much more. She also gives us some of her top resources for budding investors, that she used during her own learning experience! Check out her blog, Adventures in Mobile Homes, to hear more of Rachel's story and get inspired.

RESOURCES

• Rachel's Blog 
• Adventures in Mobile Homes: How I Got Started in Mobile Home Investing and How You Can Too! by Rachel Hernandez 
• Rachel's Top 10 Mobile Home Investing Books
• Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! by Robert T. Kiyosaki 
• Mobile Home Wealth: How to Make Money Buying, Selling, and Renting Mobile Homes by Zalman Velvel
• Investing in Mobile Homes With Land by Tony Colella
• FREE Book (10 Dos and Don't to Get Started in Mobile Home Investing)
• Lonnie Scruggs PDF Book Deals on Wheels
• Rachel’s $2,000 Nightmare

Teamwork is a big deal in all aspects of relationships, but when it comes down to money, you HAVE to be on the same page. Here at the His & Her Money Show, we're always interested in hearing how different couples are tackling their finances, especially when it comes to total debt elimination. Sometimes it can be a tricky slope, but on today's episode, we've got Danielle, aka Amore Salute, sharing all about how she and her boyfriend paid off $325,134 worth of debt in just 4 years!

Danielle and her boyfriend are both super savers. Already sharing a good money mindset was essential to starting their debt-free journey. When they bought their house, they immediately knew they wanted to pay it all off as soon as possible and knock out the rest of their student loans right along with it. And did they ever!

Today Danielle is taking us play-by-play through their debt elimination strategies, from the moment they decided to turn over a new financial leaf, to wealth-building and the lucrative re-selling side hustle that Danielle discovered unexpectedly. You won't want to miss out on this one!

RESOURCES MENTIONED

• amoresalute.weebly.com/
• instagram.com/amoresalute/
• poshmark.com/
• poshmark.com/closet/emptyhanger
• Empty Hanger YouTube

These are some trying times for all of us. With the COVID-19 outbreak sweeping the nation, everything in our lives is a little confusing right now, including our finances. We want you to know, we get where you're coming from, and today's guest is coming through to break it all down.

For this episode of His & Her Money, we've got a familiar face stepping up to the mic as Lynnette Khalfani-Cox joins us yet again.

Lynette is a financial coach and getting her back on-board for this important conversation was a no-brainer - she's one of our trusted allies in the financial community, bringing her own strategies and practical advice to the table so you're informed, you're prepared, and you're staying safe.

Stay connected with Lynette at askthemoneycoach.com!

WHAT YOU WILL LEARN

• Sorting out the facts vs. fiction surrounding the stimulus package
• A step-by-step breakdown to unemployment
• Lynette's insights on managing your money during a crisis
• Slowing down and figuring out during quarantine
• Empire-building for the future
• Answering your questions on 41k loans
• The importance of knowing your own finances, even if you have an accountant

RESOURCES MENTIONED

• Lynette's List of State Maximum Unemployment Benefits (2020)

We've all heard about toxic people and relationships. Even if you don't realize it at first, not everyone in your life is going to be a positive influence and it's easier than you might think to miss the red flags of a toxic person in your circle. Sometimes we do notice, but we just don't want to act on it.

The His & Her Money Show isn't just a financial podcast - we're here to help you with life, marriage, and all things in between, and today's guest is here to do just that. Dr. Laura Dabney is a psychiatrist specializing in psychotherapy, and an expert on identifying toxic people and relationships and helping others figure out just what to do with them. Whether it's a friend, partner, or family member, there are steps you can take to distance yourself and either cut ties completely or put in some work to better the relationship.

Laura breaks it down for us with some invaluable tips for avoiding the negative influence of others and surrounding yourself with the positives. Her pearls of wisdom can apply to all sorts of situations - yes, even financially - and we hope you can implement them into your lives and break any toxic cycle you might find yourselves in.

RESOURCES MENTIONED

• drldabney.com/
• instagram.com/lauradabneycom/

A sizable amount from a savings account and a small amount of money from a lawsuit settlement were the two methods that our guest today used to pay off her $62,000 debt in a little over a year. 

Kiara lost her job right when she had a plan to pay off her student’s loan debt in 8 years or maybe 5 years if she worked hard enough. But that suddenly took on a different turn when she suddenly got fired and she had to sue her former employer. 

Kiara shares how being an avid saver helped her pay off her debt faster even when she did not have a stable job. She also shares how the sacrifice of living at home helped her pay off her debt faster than most people.

Listen in to learn how Kiara has a principal of saving 10% of her income whether she is employed, underemployed or unemployed. You will also learn how she used the snowball method when consolidating her loans- which is basically paying off the smaller loans with the largest interests first.

Resources Mentioned

• The Richest Man in Babylon by George S. Clason

Focus Groups:

• Focus Point Global
• Schlesinger
• Lucas Market Research

Brand Ambassador Program:

• Fusion Event Staffing
• ATN Event Staffing
• Havas Street

A couple needs to be on the same page when it comes to major decision making like paying off debt, which is what our guests today did to finally pay off theirs. 

Marek and Kothney-Issa were initially living life to the fullest, enjoying their marriage without caring about the debt. This was until Marek came across Dave Ramsey on the internet and brought the matter up with his wife. 

They share the strategy they used to pay off their $120k worth of debt in 24 months. They also share why they decided to live in a tiny house and why they believe it’s a good investment.

Listen in to learn why you might be spending more money than you need monthly and why you need to do the math to start paying off that debt. You will also learn how you can still have a strong marriage even when working multiple jobs.

Cutting off expenses drastically, budgeting, and keeping a spending record were some of the major steps that saw today’s guest pay off her debt in less than 2 years. 

Tracie is a 100% self-employed freelance photographer who only got serious about paying off her $75,000 debt in August 2018. The overwhelming burden of debt prompted her to take the necessary action.

Tracie shares how being a self-employed entrepreneur with an unstable income became her excuse for making slow debt repayments. She also shares how listening to other people’s stories on the His and Her Money show brought her to the realization that she wasn’t doing enough to finish off her debt.

Listen in to learn how you can also pay off your debt even without a stable income. You will also learn how to raise your rates as a freelancer, and ask for what you deserve which might be of huge help in paying off that debt you owe.

From a young age, both Chris and his wife had the anti-debt mentality, which helped drive them to early retirement, and to be successful before their wedding day.

This level of commitment can be replicated by taking a step back and looking at taxes, payment plans, finance, etc. from a different perspective.

In this episode of the His & Her Money Show, you will hear about the amazing story of Chris Mamula, and how he retired at “41”.

RESOURCES MENTIONED

• Can I Retire Yet
• ChooseFI Podcast
• ChooseFI: Your Blueprint to Financial Independence 
• Chris Mamula’s Twitter

Today we have Rob and Melissa to introduce us to Flea Market Flipper, and the strategies to turn something that has been thrown away or neglected, into something valuable. 

Incredibly, they have managed to turn this hobby into a profitable business and have encouraged many to do the same. It’s that simple, but not easy to accomplish.

In this episode of the His & Her Money Show, you will hear about the incredible journey that Rob and Melissa have taken, and how the Flea Market can be of value to you.

RESOURCES MENTIONED

• Flea Market Flipper
• The Flea Market Flipper University
• Flea Market Flipper YouTube

Supplementing your income with a side hustle can make a world of difference when it comes to paying down debt or boosting your savings. Today’s guest has been able to do both. 

After Julie and her husband paid off over $90,000 in debt, she was able to take her side hustles to another level when she started to make money on Etsy.

As a new mom balancing a full-time job and two other side hustles including her blog, Millenial Boss and show the Fire Drill Podcast, Julie has managed to add an additional $6,000 to her income since starting her Etsy store, The Swag Elephant.

Julie shares what she's learned in starting up this lucrative hustle and how with the use of digital products, she’s been able to create a semi-passive flow of income for her and her family.

Listen in to learn how you can do the same and why established platforms like Etsy are prime for launching any good product— even if you don't have one crafty bone in your body.

Resources Mentioned:

• E-Printables Side Hustle Course
• Power Couples University
• Fire Drill Podcast
• How Julie paid off $100,000 in debt

Ladies, if a man confessed to having a huge debt while you are dating, would you go ahead and marry them? Many ladies would never give it a shot. The fear of getting into a marriage and bringing in debt is real!

Today on the show, we have a couple that did not allow debt to stop them from getting married. Alfred brought in a debt of $145,000, while Felice made sure that she brought in no debt. When they got married, they agreed on aggressively paying off Alfred’s debt.

They went headlong into their debt freedom journey when they came to a point where they felt the need to pause their efforts. Tune in to find out the powerful reason why and the lessons they've learned along the way.

Resources Mentioned: 

• Frugal Freddy Website
• 8 Essential Steps to Getting out of Debt

Bill’s story is a little different from the other stories you may have heard on the His & Her Money Show.

That’s because Bill’s (aka Billy B.) story starts off with a 10-year sentence….but it ends with a $300,000 net worth and marriage at the end. 

Bill survived a 10-year prison sentence and a life of partying, drugs, and addiction to become an entrepreneur, speaker, investor, and owner of the Wealth Well Done blog.

You can find out more about him on his website,  Facebook, or Twitter.

One of the reasons most of us don’t want to tackle the debt is fear. We don’t want to risk failure.

Najee and Jennifer don’t see it that way.

They see the risk in NOT tackling your debt and they share why in this episode.

They share their journey and the unique strategies that took them from $80,000 down to $11,000 in student and car loans in just 3 years.

WHAT YOU WILL LEARN 

• How Najee and Jennifer both got on board with their debt freedom budget, even though they have different spending styles
• The one thing that put Najee and Jennifer on track to cut their debt
• Why they automated the spending process to control their finances
• Why Najee and Jennifer chose not to travel during their debt-free journey
• The big mental switch that helped Najee switch from being a spender to a saver in their debt-free journey
• Why a vacation may not be what you think
• Jennifer’s and Najee’s unique strategies to stay on the debt-free track
• Encouraging your spouse or partner during their debt-free journey
• An easy-to-use visual reminder to help you stay on track with debt
• What to do when you make a mistake during your big-free journey

RESOURCES MENTIONED

• Smart Money, Smart Kids 
• Total Money Makeover

There are plenty of courses that teach you how to “run the numbers” when it comes to picking stocks on Wall Street, but there are very few people talking about the two most essential factors behind those numbers, discipline, and behavior. 

This is why Dr. Crosby and the His & Her Money tackle the issue of your brain and investing. The more you know about your mindset and behavior toward money is a powerful skill that will return a nice profit to your wallet.

WHAT YOU WILL LEARN 

• Passing on financial literacy to the next generation
• Helping the next generation start investing- -and why they should start early
• Why is investing in Wall Street so complicated?
• Why investing is great for fund managers, but no so great for the average individual investor
• What kind of investments should we be looking at?
• Why expenses are very important in investing
• How to diversity your portfolio...and why it should be a global 
• How to deal with psychological roadblocks that keep you from investing
• Why you should invest in more than stock (aka yourself)

RESOURCES MENTIONED

• The Behavioral Investor
• Dr. Daniel Crosby’s previous episode on The His & Her Money Show
• Motley Fool
• Morning Star
• The Retirement Gamble

In this episode, Reginald and Pamela share the first steps they took to get out of debt and how they made the transition into full-time entrepreneurs and homeschooling parents. 

They also share how they balance their unique approaches to money (Pamela is the visionary and Reginald is the number cruncher) to build two profitable businesses that work for their family.

Oh...and did we for that both of these businesses without debt.

On top of that,  they also bought 41 acres of land in cash. 

WHAT YOU WILL LEARN 

• How a nursing career led Pamela to entrepreneurship
• Balancing a risk-taking personality vs visionary in a relationship
• Balancing entrepreneurship and getting out of debt at the same time
• Financially surviving as a family when you take a leap of faith
• How Reginald and Palmer relied on faith to take strategic leaps
• How Pamela developed a new business based on need
• The sacrifices Reginald and Palmer had to take on their debt-free journey
• Pamela’s and Reginald's perspective shift on debt and wealth
• How Reginald and Pamela built two multi-million dollar businesses...without debt
• How to grow a debt-free business

RESOURCES MENTIONED

• Instagram picture of purchased land in Montana
• Zillow
• QuickBooks
• Accounting Terms Every Business Owner Should Know (Quickbooks.com)

THANKS FOR LISTENING!

Thanks for tuning in to us on The His & Her Money Show. If you have any comments or questions about today’s episode, please let us know your thoughts in the comment section below.

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In this episode, George Howard shares his story of how he transitioned from failure to tax sales guru and his strategy for picking the right property in a tax lien sale to buying the right properties so you can build an income stream that will bring you closer to your dreams.

WHAT YOU WILL LEARN 

• George’s story of turning $500 into an investment that became 100 properties and a business...without debt
• Why almost anyone can buy a tax lien
• The different types of tax liens you can buy and the different types of sales you can get them
• The $500 investment that became a $200,000 reward for a savvy tax lien investor  
• Do I need a license to buy a lien?
• Do I need an attorney?
• How should you prepare for a tax sale?
• Does every state have a tax sale?
• How do you decide if a property is worth it?
• Why you shouldn’t get overly emotional off any sale in investing
• Is a building an asset or a liability? How about land?
• How do you know which properties to hold and which ones to sell?
• Should you ever use debt to invest?
• Why (and how) he’s preparing for an economic crash

RESOURCES MENTIONED

• Financial Freedom University courses (Use code HAHM for 50% off!)

On the His & Her Money Show, we’ve covered real estate investing from a lot of different angles:...but never live this.

As Byron and Sharnice lost their jobs and needed a reliable source of income. Byron had tried real estate investing a few years before but was never able to make it a good profit.

Then one day, Byron heard a podcast about a very interesting real estate investing opportunity with very low cash and didn’t require having a perfect score.

That opportunity was investing in mobile homes.

Find out how Byron and Sharnice took this investing opportunity (that most of us didn’t hear about) and turned it into new streams of income for their family and education for a whole new kind of investor.

Today’s episode features another couple’s debt-freedom journey...with a twist. Like all of the other couples we’ve interviewed, Brad and Tara worked together to conquer a mountain of debt. The difference between Brad and Tara’s story is their path toward debt freedom. 

This couple’s debt-free journey included two full-time jobs, a profitable side business, two kids, a death in the family, and a move to a new home.

If you’re ready to hear how this couple conquered over $180,000 in debt in a little over two years while running a business and two full-time jobs..and came out on the other side more appreciative of the “ordinary life”, you don’t want to miss out on this episode.

Brad Finn is a physics teacher and owner of a profitable small business (brewery) who was earning a 6-figure salary. After realizing that he was losing money on his expensive lifestyle, he followed his wife Tara on a debt-cutting journey. You can find out more about him on his website, YouTube, Instagram, Facebook, or Twitter  

Tara Finn is also a teacher, Mom, Crossfitter, and marathoner who inspired and supported Brad through a debt-free journey to conquer a 6-figure debt and turn it into financial freedom. You can find out more about her on Instagram. 

For  Jason Butler, the journey to debt freedom is not a straightforward path, but it is real. 

Inspired by other money bloggers, he made a goal of paying off his debt in 3 years.

As he says, “He failed miserably.”

But that failure sparked a new side hustle empire (powered by eBay) for Jason.

That journey, along with strategies, is what Jason shares in this episode of The His & Her Money Show. Jason shares some of his top flips (and duds) while sharing his strategy for keeping costs low, managing inventory, and making the transition to owning your own store. 

WHAT YOU WILL LEARN 

• The up and down realities of a debt-free journey
• Finding the right side hustle for you
• The process behind Jason choosing eBay as a key side hustle
• Best flips Jason made on eBay
• Biggest mistakes eBay newbies make 
• How do you find the right items to resell on eBay?
• Controlling costs on eBay: How much do you spend buying items?
• Shipping: How do you avoid high shipping costs?
• Managing your eBay inventory 
• Pricing strategies: Buy it Now (Fixed price) vs eBay Auction
• Jason’s eBay & debt-free goals for the future
• Should you start with an eBay store first?
• ll of the stuff (like loan requirements) when you’re investing?

RESOURCES MENTIONED

• eBay Thrifters Facebook Group
• Getting Started as an eBay Seller (The Balance Careers)

THANKS FOR LISTENING!

Thanks for tuning in to us on The His & Her Money Show. If you have any comments or questions about today’s episode, please let us know your thoughts in the comment section below.

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Money is a very important part of the relationship when you’re a couple, but it isn’t the ONLY part.

There’s also romance.

Romance is the glue that brings two people together. Romance is what keeps a couple together.

But in the daily mix of work, kids, school trips, doctor’s visits, family trips, and more, things like “date night” or simply talking to your partner become less and less of a priority.

Austin and Rachel Holt want to change that.

In this episode of the His & Her Money Show, Austin and Rachel Holt share their advice on strengthening your relationship by managing a different budget, your time.

If you are in a relationship that has lost its spark because you don’t have time, this episode will provide practical steps that you can use today to start making a positive change for your relationship’s future.

Austin and Rachel Holt are marriage counselors who run the marriage counseling business, Because Marriage Matters.

Shownotes - https://www.hisandhermoney.com/443

On today’s episode of The His & Her Money Show, we talk about two issues that aren’t usually talked about in the same sentence, faith, and real estate.

Yet, Paul Moore found a way to combine faith and real estate in his life and he shares the wisdom he learned along the way.

In the first half of this episode, Paul shares how he ended up in $2 million in debt and how he tithed and gave his way to a debt-free life.

In the second half of this episode, Paul breaks down commercial vs residential real estate, real estate syndication, and crowdfunding. Paul discusses the current state of “house flipping” and what investors can do instead to work less for a bigger return.

WHAT YOU WILL LEARN 

• Paul’s downward life spiral after he sold his company for millions
• How Paul got into $2 million in debt ...and got out debt by tithing and faith
• The difference between speculating and investing
• The faith-driven, inspirational story of George Mueller
• Why your mindset matters when you are giving or tithing
• Real estate crowdfunding
• Is real estate crowdfunding better than investing on your own?
• The difference between commercial and residential estate investing
• Barriers to commercial real estate investing..and how to get around them
• What’s real estate syndication?
• The big “Why?” that drives Paul’s social justice mission
• What you can do to fight human trafficking

RESOURCES MENTIONED

• The Perfect Investment: Create Enduring Wealth from the Historic Shift to Multifamily Housing
• The Inspiring Life of George Müller(GuidePosts.com)
• Bigger Pockets
• Realty Mogul
• Fundrise
• Realty Shares
• Freedom Place Project
• Nefarious 
• Exodus Cry
• Wellings Capital

The debt-free story of James and Cathy isn’t your typical “we saved money and hustled to get out of debt “ story. 

It’s a bit more complicated than that. 

It’s also a debt-busting strategy that isn’t for the weak.

After paying off close to $60,000 in loans, credit cards, and student loans, they switched to a high-paying strategy known as the Velocity Banking to pay off their house early.

Tune in if you are looking for a non-traditional way to pay off debt along with the practical steps you need to make sure you stay on the “paid” side of credit. 

Cathy St. Louis is a Mom and blogger who works from home and blogs about simplicity and a debt-free lifestyle. You can follow her and James’  journey on their website and Instagram.

WHAT YOU WILL LEARN 

• What caused James and Cathy to make the shift to debt crushers
• Why Catchy and James decided to trade in a car to save on expenses and continue their debt journey
• How to manage debt when one partner is a big spender
• Why ego is a big part of the issue with overspender
• Getting a good deal on your car trade-in
• Building a sales cushion while paying off debt
• Using bigger sums of money (like a bonus or tax refund) to pay off debt
• Cathy and James’ unique strategy of using the HELOC to pay off a debt off fast
• Why James and Cathy chose to use the Velocity Banking method in the first place
• How they invested in Velocity Banking without getting

RESOURCES MENTIONED

• What is Private Mortgage Insurance?
• Bankrate
• Velocity Banking Calculator

THANKS FOR LISTENING!

Thanks for tuning in to us on The His & Her Money Show. If you have any comments or questions about today’s episode, please let us know your thoughts in the comment section below.

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Whatever you do in life, is a God giving feature and a blessing. That is the message Jordan Raynor preaches to the public and those who are willing to listen.

Benjamin Franklin stated, “Be a Jack of All Trades and a Master of One!”. It is inevitable to be a ‘Jack of All Trades’ or to have many skills and talents, however, it is often that we are not a master of a single skill or talent within our arsenal. 

In this episode of the His & Her Money Show, we discover the story of Jordan Raynor, and know that everything we do, is an opportunity to be excellent!

THANKS FOR LISTENING

Thanks for tuning in to us on The His & Her Money Show. If you have any comments or questions about today’s episode, please let us know your thoughts in the comment section below. If you’ve enjoyed this episode, please share it using the social media buttons you see at the bottom of the post.

Real estate investing is an activity that’s becoming popular by the day, but how do you get started? How do you make the leap from potential real estate investor to someone who’s walking out with a loan for a new soon-to-be money-making property?

In this episode of the His & Her Money Show, we talk with one of the experts that can get you started. Jarrod Greer is the VP of Mortgage Lending at Guaranteed Rate and a renovation specialist who can help you navigate the paperwork you need to start making a profit.

WHAT YOU WILL LEARN 

• What do I need to be a real estate investor?
• Buying and investing in real estate after the 2006-07 Recession...and possibly a future recession
• House hacking
• Why you need to plan more before we buy a home
• Your credit score: How does it impact real estate investing and how can I improve it?
• Difference between FHA (Federal Housing Authority) loans and commercial loans
• What’s the best credit score for an ideal rate?
• Renovation loans- What it is and how can I get one?
• Debt ratio-What is it and how does it impact my real estate investing
• How much money do I have to put down for an investment?
• ARV(After-repair value) and its impact on a renovation loan
• Why you need a team when you invest in real estate
• What you need to know before you meet a loan officer
• Why is it important to know all of the stuff (like loan requirements) when you’re investing?

RESOURCES MENTIONED

• How to Get Started with House Hacking
• Federal Housing Authority Loans (HUD)
• FHA vs Commercial Loan: Which One is Right for You? (NerdWallet)
• How to Get Started with House Hacking to Build Real Estate Wealth (College Investor)

THANKS FOR LISTENING!

Thanks for tuning in to us on The His & Her Money Show. If you have any comments or questions about today’s episode, please let us know your thoughts in the comment section below.

If you’ve enjoyed this episode, please share it using the social media buttons you see at the bottom of the post.

Erica Wade brings the “hustle” when it comes to kicking debt’s butt and she shares her journey with us on the His & Her Money Show. 

Tune in if you are ready to hear how Erica slashed her debt, built a mini side hustle empire and live a financially disciplined life that inspires others while treating yourself at the same time.

WHAT YOU WILL LEARN 

• The lasting positive impact the His & Her Money Show had on Erica 
• Tackling different types of debt
• What to do when you get overboard with budgeting ...and how Erica fixed the problem
• The most important account in Erica’s budget
• Why you should have fun built into your budget
• Handling the extra money from a side hustle
• How to balance a side hustle with the rest of your life
• Dealing with naysayers on your debt-free journey
• Going beyond the side hustle” Erica’s plan to move from side hustle to side hustle empire

RESOURCES MENTIONED

• The His and Her Money Show
• To Do Better With Your Money in 2019, Focus on Self-Care (StudentLoanHero.com)

THANKS FOR LISTENING!

Thanks for tuning in to us on The His & Her Money Show. If you have any comments or questions about today’s episode, please let us know your thoughts in the comment section below.

If you’ve enjoyed this episode, please share it using the social media buttons you see at the bottom of the post.

In this episode of the His & Her Money, Clark Kendall shares how it’s possible for everyday, middle-class people like your janitors, hair salon owners, and teachers have the potential to become millionaires through smart, strategic investing. 

Clark Kendall is the President of Kendall Capital Management and author of the fantastic book Middle-Class Millionaire. Furthermore, Clark has 30 years of experience in investment and wealth management with the academic knowledge obtained from the Chartered Financial Analyst® (CFA), Accredited Estate Planner (AEP®), and CERTIFIED FINANCIAL PLANNER (CFP®) programs.

WHAT YOU WILL LEARN 

• How his childhood & passion for working with the middle class led him to write “Middle-Class Millionaire”
• Biggest misconceptions about retirement
• How to set yourself up for smart investing...even if you don’t have a million dollars in the bank
• Why you should adopt a saver’s mindset to become a better investor
• Why Clark says we need to rethink retirement
• Teaching financial literacy to your kids
• The unique way Clark taught his kids financial literacy
• How can someone get started in investing?
• What is tax diversification?

RESOURCES

• Middle-Class Millionaire: Surprisingly Simple Strategies to Grow and Enjoy Your Wealth
• 40% of Americans can't cover a $400 emergency expense (CNN Money)
• Rule of 72 (Investopedia)
• Uniform Gifts to Minors Act (Investopedia)
• Qualified Charitable Deductions (TheBalance)

THANKS FOR LISTENING!

Thanks for tuning in to us on The His & Her Money Show. If you have any comments or questions about today’s episode, please let us know your thoughts in the comment section.

If you’ve enjoyed this episode, please share it using the social media buttons you see at the bottom of the post.

A couple committed to a debt-free journey is a force to be reckoned with…

In this “In the middle” episode, we talk with Walter and Latasha about the strategies and inspiration that helped them knock off $22,000 out of their $66,000 worth of debt within months. 

WHAT YOU WILL LEARN IN THIS EPISODE

• Why Walter and Latasha decided to make their debt-free journey a family affair 
• The sacrifices Latasha and Walter made to stay on their debt freedom plan
• Getting your spouse on board when you’re on a debt-free journey
• Why April decided to sell her home (for a good profit) to knock thousands of dollars in debt
• The big step Walter and Latasha took to save money while paying off debt
• How to adjust your debt freedom plan with your pay schedule
•  The mindset shift about debt that transformed how Latasha and Walter felt about the debt
• The medical wake-up call that helped Latasha see the importance of having a back-up plan
• The financial legacy Walter and Latasha wants to leave for their children
• Walter and Latasha’s plans for the future
• Finding opportunities to pay for your goals while paying off your debt at the same time
• Dealing with emergencies and new bills on your debt freedom journey
• Why your debt-free journey affects more than you

RESOURCES

• Walter and Latasha on Instagram (@simplyfitandfrugal)

When it comes to commitment in the debt-free journey, there is commitment...and then there is the April Wesley level of commitment.

This is the kind of commitment that led April to do whatever it took to kick debt out of her life. Whether that was selling her car and riding the bus until she could afford to buy one, adopting a zero-based budget and not going over that budget even if she only had $3.00 left for food that week.

In this episode of the His & Her Money Show, you will hear about the incredible “getting out of debt” story of April Wesley. 

WHAT YOU WILL LEARN IN THIS EPISODE

• The life-altering moment that made April become a debt fighter
• The important resource April turned to feed her new debt-free financial mindset (Hint: You’re reading about it right now)
• The first steps April took to begin her debt-crushing lifestyle
• Why you need boundaries in your personal finance journey
• The unique way April built a money mindset while broke
• The dramatic step that April took that shocked everyone
• How to sell your car for the highest price...even if you still owe money for it
• Dealing with criticism on your debt-free journey
• Why April decided to sell her home (for a good profit) to knock thousands of dollars in debt

RESOURCES

• Total Money Makeover
• Kelly Blue Book
• Buying a Used Car: Private Seller or Dealer? (AutoTrader.com)
• What is a Debt Avalanche? (NerdWallet.com)
• April Wesley on Instagram
• Reign Budget Curation on Instagram
• Queenship Restored on Instagram
• Queenship Restored website

In this episode, Bart and Felicia talk about the process of going from having hundreds of thousands of dollars in debt to a debt-free lifestyle that is creating an entirely new reality for the financial future of their family. 

WHAT YOU WILL LEARN IN THIS EPISODE

• The importance of having an accountability partner in your debt-free journey
• How to deal with the fear of a budget
• How to deal with the fear of facing your debt
• The strategy Bart and Felicia used to knock out $35,000 in debt in just 6 months
• How Bart and Felicia tackled a $100,000+ mortgage
• Why you need to have fun while you’re cutting your debt
• How Bart and Felicia dealt with social pressure to remain financially disciplined
• Telling your family and friends about your debt-free journey
• Felicia’s and Bart’s next ambitious goals
• The impact Felicia’s and Bart’s financial decisions will have on the financial future of their kids

RESOURCES

• Dave Ramsey’s Baby Steps
• 9 Easy Steps to Make Your Next Family Budget Meeting Awesome

Jason and Desiree are another couple in the middle of their debt journey, but their story (like everyone else’s) is unique. 

In their situation, Desiree and Jason are tackling student loans and mortgage along with medical bills, credit card debt, and more. Despite all of this, they have tackled the medical bills, car loans, credit cards, and have an eye on knocking out the rest.

WHAT YOU WILL LEARN 

• How Jason and Desiree finally committed to a debt-free journey after trying inconsistently for years
• How to balance saving and spending
• Budgeting strategies to balance budgeting and saving
• The hardest part of being in the middle of a debt-free journey
• How to deal with haters and naysayers (and people who just don’t know) on your debt journey
• How do you adjust your debt when emergencies (like a new baby) happen?
• Keeping your partner accountable during your debt-free journey
• How to avoid arguments with your partner when you have different spending happens

RESOURCES MENTIONED

• Rachel Cruze podcast
• Chris Hogan Show
• How the Debt Snowball Method works

On today’s episode of The His & Her Money Show, we talk with Lawrence Gonzalez about building a comprehensive wealth that builds a new family legacy.

In the pursuit of a good career, Lawrence’s net worth was a negative six figures. With hard work and plan that started with an embarrassing credit card moment in the store, Lawrence is pulling himself out of debt and has a positive, 6-figure net worth.

On top of that, Lawrence is using the lessons and experiences from his childhood to maximize every cent of his money through a variety of tools including Health Savings Accounts (HSAs), 401Ks, rental income, house hacking, and more. 

WHAT YOU WILL LEARN

• How Lawrence moved from a net worth of NEGATIVE six figures to a POSITIVE six figures
• The wake-up call moment that pushed Lawrence to take ownership of his money
• The sneaky little financial habits that were destroying Lawrence’s money goals
• The steps Lawrence took to start taking ownership of his money
• How Lawrence ended up moving from an estimated $20,000+ salary to $64,000 in a year
• The importance of mindset when you’re making financial moves for the better
• The lessons and experience Lawrence used to help him today
• Why personal finance should be about YOUR personal finances
• What is a “Net-Max” plan?
• Why we should prioritize our money to fit our definition of happiness
• Finding ways to increase savings with the money you already have
• How Lawrence is using rental income to fund his mother’s retirement  and change his family legacy
• Lawrence’s secret strategy for real estate investment
• The triple tax advantages of HSA’s

RESOURCES MENTIONED

• Toastmasters International 
• What is an HSA? (NerdWallet.com)
• What Is a 401(k)? (Washington Street Journal)
• What Are the Differences Between SSI and SSA Benefits?
• Cozy (rental app)
• What Is An HSA? Health Savings Account Tax Advantages Draw Fans
• Lawrence Gonzalez on LinkedIn
• L’Union Suite

Today’s show is sponsored by Legal and General America. Legal & General America makes understanding and applying for life insurance easy. Also, agents are standing by to help you determine the best coverage to fit your family’s needs.

Visit  HisandHerMoney.com/lgapodcast to get started on your journey toward financial wellness.

In this episode of the His and Her Money Show, we talk with Marcia about her debt-free journey. We’ll cover how faith sparked Marcia’s drive to get rid of her debt, how she stayed on track, and what she is doing now as a person free of debt.

WHAT YOU WILL LEARN 

• How faith pushed Marcia Armstrong to finally take care of her debt
• The tools and resources Marcia you used to start getting out of debt...and remain out of debt
• How to increase your income  to help you pay off debt faster
• How Marcia celebrated that last payment that set her free from debt
• How Marcia developed a public speaking career from scratch
• How to stay accountable during your debt-free journey
• What she is enjoying after becoming debt-free
• Why Marcia says getting debt-free was bigger than one person

RESOURCES MENTIONED

• Total Money Makeover
• How to Stay Motivated on Your Financial Journey With a Visual Board
• How to Make a Zero-Based Budget
• The Millionaire Next Door
• The Pressure Trap: Breaking Free from the Pressures of Society to Become Who God Called You to Be

On this episode of His & Her Money, we sit down with Terrence and Erica to discuss how they’ve invested in their financial education to build their portfolio from one, duplex investment to owning multiple real estate, insurance, and property management businesses.

WHAT YOU WILL LEARN

• The difference between sweat equity and check equity
• How to learn and grow with your business
• How to increase your real estate investment returns
• The importance of asking questions
• Maximizing value in rentals
• How making mistakes can be an investment in your own education

RESOURCES MENTIONED

• The Millionaire Mind by Thomas J. Stanley
• Who Took My Money? by Robert T. Kiyosaki
• TM 5 Properties
• Murphy Signature Homes
• Terrence Murphy Realtor
• IG: @terrencerealtor
• IG: @TM5Properties

There are debt-free stories, and then there’s the story of Freddie and Sahirenys.

This couple was not only able to clear $90,000+ in debt but also saved enough money to leave their jobs, start a business, get married, and raise two kids.

On top of that, Sahirenys and Freddie did this in 5 years!

WHAT YOU WILL LEARN 

• Why your debt-free journey and budgeting approach should be personal to your situation
• How the Recession affected the way Freddie and Sahirenys looked at their debt
• Having conversations with your partner to make sure you are focused on the same financial goals
• Changing the conversation about student loans: The conversation Freddie and Sahirenys had about student loans 
• How the Recession changed Sahirenys and Freddie’s approach to a debt-free life
• How Sahirenys and Freddie set up an emergency fund while building a business and raising a family
• How they dealt with a family medical emergency...and kept up with their debt freedom plan
• Developing skills that allow you to get multiple jobs
• What to do about personal finance when your life doesn’t fit the textbook
• Why families of color need to share their debt freedom stories and have access to the right resources
• Balancing short-term and long-term needs in your budget as a couple
• The High 5 Banking Method

RESOURCES MENTIONED

• Mint
• Rich Dad, Poor Dad
• The Poised LIfestyle (Sahirenys’ website)
• Poised Lifestyle on Instagram

Sometimes, beginning your debt-free journey requires making some financial mistakes.

Danielle Martin, a single, recently graduated college student, had to get herself about 39k in student loan, car loan, and credit card debt before she finally shifted her mindset and took steps towards paying off her debt.

Although she left college with 13k in student loan debt, about six months out of college, she not only moved out of her parents’ house and into an apartment, sending half of her paycheck to rent, but also decided to buy a car, taking out another 23k in loans. 

She had more than doubled her debt within her first month of moving into an apartment, and rather than saving up and paying it off, she continued to spend her money on shopping. It wasn’t until both her debit card and credit card had been declined that she finally realized she needed to make some lifestyle changes.

WHAT YOU WILL LEARN

• Shifting your mindset to take steps towards eliminating debt
• Staying motivated by celebrating every win
• Making sacrifices early to invest in your future

RESOURCES MENTIONED

• The Total Money Makeover by Dave Ramsey

In this episode of “In the Middle,” we talk to Anthony and Luan, a couple that has just finished paying off 15k of credit card debt in the past 7 months.

They are still “in the middle” of their debt-free journey, and they now plan to take on their student loans and mortgage in the hopes of eliminating all debt.

WHAT YOU WILL LEARN

• How to surround yourself with debt-free influences
• How to cut back and only spend money on necessities
• Steps to have conversations with a partner about debt
• Tips to prioritize needed purchases
• How to hold each other accountable as partners to stay focused
• How to change your perspective on paying off debt as an investment in the future rather than paying off the past

RESOURCES MENTIONED

• Rich Dad, Poor Dad by Robert T. Kiyosaki and Tim Wheeler
• The Total Money Makeover by Dave Ramsey
• Think and Grow Rich by Napoleon Hill
• The Slight Edge by Jeff Olson
• The Compound Effect by Darren Hardy

So often, paying off debt can leave you thinking of the past - past spending, previous loans, perhaps past mistakes. But what if you approached paying off your debt as investing in your future?

In this episode of His & Her Money, we sit down with Zach Pursley, a flight attendant for Delta Airlines. With over $47k of debt paid off within less than three years, Zach is proof that, with the correct mindset, determination, and, at times, sacrifice, it is absolutely possible to become debt-free in a short amount of time.

WHAT YOU WILL LEARN

• How to make small sacrifices to live frugally
• How to move home to save money
• Ways to set up a money-saving budget
• How to prioritize which loans to pay off
• Keeping a positive attitude and approach to paying off debt

On today’s episode of The His & Her Money Show, we talk with passive real estate investing guru and podcaster, Marco Santarelli.

If getting into real estate investing is something that you’ve always wanted to do, but never made the leap Marco Santarelli is a voice you need to listen to. In this episode, Marco shares the story of how and why he got into real estate investing at the early age of 18. 

Marco also takes time to break down the principles of real estate investing in his “10  Rules of Successful Investing”. These rules cover the principles of long-term real estate investing at a level that any beginner with a potential rental property can understand.

He explains how to set investment goals, how to calculate profits, and how to set up your real estate team for success.

WHAT YOU WILL LEARN IN THIS EPISODE

• Why Marco started investing at 18 and what he learned from the process
• The biggest mistake he made on his first rental property
• Why is real estate a good investment?
• The 10 Rules of Successful Real Estate Investing
• How to educate yourself as a real estate investor
• How to set investment goals
• How to calculate profit from your real estate deals
• How can we know if a real estate deal looks good on paper?
• Should I have more than one bank account?
• What does “market agnostic” mean?
• The importance of hiring the right team for long-distance investing
• The top-down approach when picking a real estate property
• Diversifying your portfolio
• Signs of a good (and professional) property management company
• How to manage your real estate team for success

RESOURCES MENTIONED

• Think Realty magazine
• Realty 411 magazine
• National REIC magazine
• Other real estate magazines (BiggerPockets.com)
• Passive Real Estate Investing podcast
• Norada Real Estate Investments

Kyle Depiesse and his wife were deep in debt when a single search into his life-to-date income launched him into a thirty-eight-month journey to completely eliminate his debt. Since then, they have paid off two mortgages and a car loan, totaling up to $380,000 of debt. 

WHAT YOU WILL LEARN

• Ways to communicate with and motivate a partner to tackle debt and make life changes
• How to stay connected and inspired by your goals and dreams
• How to set and celebrate smaller milestones
• Tips to budget on an irregular income
• How to live below your means
• How to increase your income by capitalizing on your own value
• Strategies to set your partner up for success as a stay-at-home parent

RESOURCES MENTIONED

• The 5 Love Languages by Gary Chapman
• Kyle's IG: @kyle_depiesse

On today’s episode of The His & Her Money Show, we talk about investing, but not from the perspective you might expect. We talk with Danielle Town, daughter of the investing legend, Phil Town, about the other side of investing.

Danielle Town, who calls herself a “non-natural investor”,  shares why we need to consider our emotions when we invest and how to use that knowledge to our advantage.

She also shares a unique investing strategy (used by Warren Buffett, himself) to take as much stress as possible out of investing.

WHAT YOU WILL LEARN IN THIS EPISODE

• Why investing can feel scary...even for a corporate lawyer and the daughter of a very famous investor
• Dealing with rational and irrational fear in investing
• How to move past the fear of investing
• Becoming comfortable with investing...even if you aren’t a numbers person
• Why should we learn about investing anyway?
• What is inflation?
• What is value investing?
• Why value investing is a good investment for “set it and forget it” and non-natural investors
• Charlie Munger’s 4 principles of successful value investing
• How do you pick a good company to invest in?
• When you should (and shouldn’t) use your emotions to guide your investment decisions
• How do you deal with the emotional roller coaster of investing news?
• Understanding your emotional connection to money

RESOURCES

• Invested: How Warren Buffett and Charlie Munger Taught Me to Master My Mind, My Emotions, and My Money (with a Little Help from My Dad)
• 4 charts will totally change how you think about saving money (CNBC.com)
• DanielleTown.com
• Danielle Town on YouTube

On today’s episode of The His & Her Money Show, we talk about a unique business opportunity that you might not have heard about, being a mobile notary.

While the job of “mobile notary” doesn’t get a lot of press, it gets a lot of work. As the owner of a notary agency and notary training school, Andre Hatchett will tell you, notaries are needed everywhere. 

Mobile notaries are needed to witness documents, sign loans, verify wills, take fingerprints, and much more.  Mobile notaries can make good money, whether they work part-time or full-time.

In this episode, Andre shares everything you need to know to get started right after you listen to the podcast episode. He covers how to get into the business (and why he decided to become a notary), how much money you can expect, how to get training, and how to grow your business through marketing and specialization.

WHAT YOU WILL LEARN IN THIS EPISODE

• What is a notary?
• How do I become a mobile notary?
• Can you make a full-time income from being a notary?
• How much can you really make as a notary?
• What makes a successful notary?
• How much time do you have to spend to make this profitable?
• Secure at your job vs “self-employed”: Dealing with criticism as an entrepreneur
• What safety precautions can mobile notaries take?
• Insurance and tools: What kind of tools do I need to be a mobile notary? Do I need insurance?
• Should  I have a website?
• Is there still space in the market for someone just starting out?
• How do you grow as a mobile notary?
• Are the mobile notary services that bring in more money?
• How do you upsell notary services?

RESOURCES MENTIONED

• The Notary Business School (Use promo code: HAHM30 for 30% off)
• Directory of Secretary of State Offices and Websites
• Toll-Free Forwarding
• 123 Notary
• Notary Rotary
• Fiverr

When it comes to becoming a millionaire, most of us think it’s possible only under a few circumstances:

1. You own a really big business or create a super successful product
2. You win the lottery
3. You have a very, very rich family

But Bryce Leung and Kristy Shen didn’t fall into any of those categories. Kristy had moved to the middle class from poverty. Bryce was a middle-class engineer who was trying to move up the ranks of what he thought was the American dream. Both Kristy and Bryce were just a middle-class couple who had enough of the rat race...and they became millionaires and retired.

Did we mention that they were only in their 30’s? 

WHAT YOU WILL LEARN 

• How did this couple come up with the idea that they could become millionaires?
• Christy’s journey from living on 44 cents per day in China to a millionaire
• The reason Christy decided she had to get out of the rat race and make money a new way
• The resources Kristy and Bryce used to get started on their journey to a million dollars
• Why retirement isn’t about age
• The easy 4% rule that Christy and Bryce suggest to calculate your retirement number
• Why Bryce chose to invest in index funds as one of his million-dollar strategies
• Why Bryce and Kristy decided NOT to buy a house as an investment (when everyone else they knew was)
• How Kristy’s early experiences in poverty were a strength...and liability to a wealth mindset
• Why the survival mindset helps you survive in the short term but hurts your money in the long term
• How Kristy and Bryce joined the strengths of their backgrounds to become a wealthy couple
• Why you must rely on yourself to get your financial freedom
• How to deal with a saver that starts getting rich
• The importance of creating your own financial freedom  your way
• Why you can start your path to a million-dollar future today
• Wealth-hacking habits that will save money without hurting the quality of your life
• Wealth-hacking habits to make money while you’re traveling
• Why financial peace of mind is good for your health and society
• Why Kristy and Bryce are passionate about creating more wealth builders

RESOURCES MENTIONED

• Quit Like a Millionaire: No Gimmicks, Luck, or Trust Fund Required
• Millennial Revolution (Bryce and Kristy’s blog)
• Mr. Money Mustache blog
• Jlcollins Blog

This debt-free story focuses on getting on the same financial page as a married couple. Both Ashley and David Garrison were trying to live the American Dream.

They ended up over $75,000 in debt.

Getting to a debt-free lifestyle took some adjusting, however. As Ashley shares, creating a budget and budget meetings was something David and Ashley had o adjust to. But once they did, they ended up paying off their debt in less than 2 years. 

WHAT YOU WILL LEARN 

• How to convince your spouse that debt is a problem 
• Staying encouraged and persistent while talking with a reluctant spouse about debt
• Staying motivated when you’re beginning on your debt-free journey
• Handling money resentment and strife as a couple 
• The importance of faith in Ashley and David’s debt-free journey
• Having budget meetings as a couple
• Dealing with your partner when budget meetings get intense
• The unique ways David and Ashley saved and made money on their debt-free journey
• Allocating new money to your budget after you start making money
• Why Ashley and David left room in the budget for fun and relaxation
• Why Ashley and David chose the debt snowball method (and why you should consider it too!)
• Future goals of David and Ashley as a debt-free couple

THANKS FOR LISTENING!

Thanks for tuning in to us on The His & Her Money Show. If you have any comments or questions about today’s episode, please let us know your thoughts in the comment section below.

If you’ve enjoyed this episode, please share it using the social media buttons you see at the bottom of the post.

Finances can often put a strain on relationships - however, when Josh and Elisha decided to combine their finances, they embarked on a journey that not only led them towards paying 30k of debt within eight months but also brought about new conversations that strengthened their relationship.

In this episode of “In the Middle,” Josh and Elisha are here to share what led them into debt, how they began their journey, and how they’ve held themselves accountable.

WHAT YOU WILL LEARN

• How to hold each other accountable by combining finances
• How your debt-free journey can strengthen your relationship
• Adding side hustles for additional income
• Keeping your goals visual and tangible
• How simply saying ‘no’ can contribute to your debt-freedom
• Automatically saving towards an emergency fund

RESOURCES MENTIONED

• Page Eleven Paper Goods
• The Penny Lounge

On this episode of The His & Her Money Show, we cover a story of someone who is “in the middle” of their fight to be financially free. Sruti Basu had close to $50K in debt and knew that she needed to make a change. 

WHAT YOU WILL LEARN IN THIS EPISODE

• Paying off debt when you have a lower salary
• First steps Sruthi took to control her financial destiny
• Keeping a balanced life when you’re on a budget
• Crafting the unique side hustle that works for you
• Talking about money with your partner in a healthy way
• Dealing with distractions and challenges along the way
• Treating yourself when you reach a financial milestone

RESOURCES

• Refinery29 Money Diaries: Everything You've Ever Wanted To Know About Your Finances... And Everyone Else's
• Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams