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.

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, 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.

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

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.

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

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

When it comes to talking about money in a relationship, most of us focus on the numbers. Very few of us focus on the words we’re using.

That’s the lesson, Tarra Jackson aka “Madam Money” has for us today. As she shares in the podcast and her book, our money habits create a money “language”.

This language is the lens through which we have money conversations.

WHAT YOU WILL LEARN 

• How financial institutions are making money off your bad financial habits
• How your credit score can cost you more money
• Two ways you can avoid paying extra money to the banks
• How to handle “money misunderstandings” in your relationships
• The four basic money  “languages”
• The two basic types of spender and saver
• Why the way we talk about money matters more than you think
• How do I talk to someone with a different money ‘language’ than me?
• How do I begin to have the “money conversation” with my significant other?
• What is a “money date”?
• Can the way you use money change over time?
• Why single adults need to read relationship and finance books for couples

RESOURCES

• The 4 Financial Languages: The Secrets to Communicating About Money
• Tarra Jackson website
• Overdraft fees: A $15 billion problem for consumers (CreditKarma.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.

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 era, “debt-free” and “going to college” are two words that never sound like they should go together, but Anthony O’ Neal believes that they can.

He also believes that we should stop allowing debt to enter the “college conversation” in the first place.

Anthony O’Neal shares why he takes this hard stance about debt and college and the steps you can take today to prepare your child for a better financial future.

Anthony also takes it a step further.

He also covers what parents can do if they are currently facing an “I don’t have enough (or anything) saved for my kids” situation. He shares what they can do to get their child ready for a brighter (and debt-free) future. 

WHAT YOU WILL LEARN IN THIS EPISODE

• Why it’s so important for students to go to college debt-free
• How to break up with the idea that you need a student loan to go to college
• How early should I prepare my kids for college?
• How do I pick the right college that is affordable and valuable to my child’s future?
• What conversations should we have with our kids about college?
• What resources are out there to help parents and children make more informed decisions about college?
• What if we haven’t saved enough for college?
• Tips for managing your social media before & during your college years
• What Anthony does each morning (and believes we should do) to own our morning

RESOURCES 

• Debt-Free Degree: The Step-by-Step Guide to Getting Your Kid Through College Without Student Loans
• Find Your Calling website
• Anthony O’Neal’s website
• Anthony O’ Neal’s Scholarship Search
• Anthony O’Neal on Instagram
• Student Loan Debt Statistics In 2019: A $1.5 Trillion Crisis (Forbes.com)
• 30% of student loan borrowers can’t keep up with debt after just six years (CNBC.com)
• 529 VS. ESA: PROS, THE CONS AND WHAT’S BEST FOR YOU (ChrisHogan.com)

F.I.R.E. is a movement and community centered around developing a healthy and sustainable framework for your relationship with money.

Scott and Taylor, the creators of Playing with FIRE, are on the show to talk about their journey towards financial independence, and how they hope to spread the FIRE movement and help others become more financially literate.

WHAT YOU WILL LEARN

• The F.I.R.E. framework
• How to begin FIRE based on your values
• Where to cut back on expenses
• How to use a retirement calculator
• Setting achievable goals
• The importance of understanding financial literacy
• Investing in broad-based, low-cost index funds

RESOURCES MENTIONED

• Playing with FIRE by Scott Rieckens
• Playing with FIRE Documentary
• Choose FI Podcast
• Mr. Money Mustache
• Simple Path to Wealth by JL Collins

On today’s episode of The His & Her Money Show, we celebrate the victory and journey of Sherika Wynter, a product manager/teacher/business owner/speaker who turned a bad financial situation into a lesson in persistence, creativity, and grit.

WHAT YOU WILL LEARN IN THIS EPISODE

• Why we need to be financially prepared for the uncertainties of life
• The two situations that almost financially wiped Shericka out
• How Sherika successfully negotiated with insurance companies to cut an unfairly expensive medical bill
• Strategies Sherika used to stay financially responsible after she committed to getting debt-free
• The side hustles Sherika used to bring in more income while she was paying down debt
• How Sherika balanced a full-time job, a side hustle, and more to reach her goal
• Ways that Sherika leveraged her network to get even more money
• How she dealt with friends, family, and distractions while staying financially disciplined
• Dealing with family and friends who don’t agree with financial decisions
• Not accepting the status quo for your financial life
• Advice Sherika gave to her younger brother (and everyone) about student loans
• How Sherika is giving back
• The new financial freedom and journey Sherika is on, now that she is debt-free

RESOURCES

• Keep a Money Diary and Become Better With Your Spending
• What To Do When You Get Medical Bills You Can’t Afford
• 10 Ways to Make Extra Money to Pay Off Debt - MagnifyMoney

On this episode of The His & Her Money Show, we talk with The Downing Brothers (Anthony & Anton Downing) of HGTV’s “Double Down ” about flipping houses, rehabbing, and all things real estate.

WHAT YOU WILL LEARN IN THIS EPISODE

• How to flip real estate using an FHA (Federal Housing Authority) loan
• Requirements of the FHA loan
• The business principles behind the side hustle of real estate investing
• Cheat codes to getting faster approval of your loans
• Workarounds to getting more than FHA loan so you can get more cash flow in less time
• The importance of persistence in real estate investing (Very important for beginners!)
• Tips for adding  value to a home to increase it’s worth
• How do you find the right properties and neighborhoods to invest in?
• Good and bad signs of a good real estate deal
• The “Driving for Dollars” technique to make sure you’re seeing a real estate deal from all angles
• Building your real estate investing “success team”
• Successfully vetting the people on your real estate investing team (i.e. contractors, realtors, etc.)
• Building relationships with property managers and the community to decrease the headaches of investing
• Why it’s more expensive to buy cheap and take shortcuts when rehabbing a house
• What to do when bad things happen in real estate investing...and how to prepare for them in advance

RESOURCES MENTIONED

• Chicago twin brothers hope their house-flipping pilot gets picked up to series (Chicago Tribune)
• FHA Loans (HUD.gov)
• FHA Loan Requirements for 2019 (Nerdwallet.com)

THANKS FOR LISTENING!

Today’s show is sponsored by Fetch Rewards. Fetch Rewards offers users free rewards on groceries, just by scanning their grocery receipts! Listeners get 2,000 points when they use the code HNHM after signing up and scanning their first receipt.

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.

On this episode of “In the Middle,” we talk to Ashonzay and Ellie, a couple that has combined their debt-free journey with their health and lifestyle changes. They are the founders of Debt Free & Fitness, and their mission is to help people live a healthy lifestyle with both their finances and their bodies. 

Ashonzay and Ellie came from different financial backgrounds, and consequently, they entered into their relationship with very different financial situations. In total, their debt began at 120k, with most of it coming from Ashonzay, and within the past 6 months, they have reduced it by about 26k. 

Ashonzay openly shares about his hesitation to be transparent with Ellie about his debt, feeling ashamed, embarrassed, and fearful that it might negatively impact their relationship. In response, Ellie sets an incredible example of acknowledging her privilege, showing compassion, and accepting responsibility for her future husband’s debt.

WHAT YOU WILL LEARN

• How to accept and understand your partner’s debt
• How to have a conversation with your partner about your debt
• Becoming financially transparent prior to marriage
• Creating discretionary budgets to make budgeting sustainable
• Organizing budgets and savings towards multiple goals
• Cutting back on excess spending
• Meal prepping to help both the budget and health
• Living intentionally while avoiding burnout
• Building a debt-free community
• Finding joy in things that don’t cost money
• Pushing through non-motivation and remembering your “Why”

RESOURCES MENTIONED

• Debt Free & Fitness
• Debt Free Community Meetup Group
• Think and Grow Rich by Napoleon Hill
• Power Couples University

THANKS FOR LISTENING!

Thanks for tuning into us on The His & Her Money Show. Also, 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.

Also, please leave an honest review for The His & Her Money Show on iTunes!Ratings and reviews are extremely helpful and greatly appreciated! Furthermore, they do matter in the rankings of the show, and we do read each and every one of them.

On this segment of “In the Middle,” we’re here with Elsie and Von - a couple that started off with almost $125,000 of debt and, within a year and a half, have cut down their debt to $58,000.

They’re a couple with three kids, two properties, and a plethora of past challenges who are in the middle of tackling their debt on their journey towards debt freedom.

WHAT YOU WILL LEARN

• The importance of communication and teamwork for couples
• The difference between regular and student loans
• How to get your spouse on board with paying off debt
• How to work through grief and challenges in a partnership
• Prioritizing mental health before addressing financial changes
• Talking to friends and family about debt journeys
• Making small changes to save money
• How to stay accountable and motivated

RESOURCES MENTIONED

• Every Dollar App
• Everyday Millionaires by Chris Hogan

In this episode of His & Her Money, we sit down with Rashauna Scott, a real estate investor in Chicago. Her interest in financial freedom was sparked at a career fair during high school, and since her teenage years, with grit, determination, and a whole lot of self-investment, she has built up a successful real estate career.

WHAT YOU WILL LEARN

• How to find mentors and partners in real estate investment
• How to get started in real estate investment with limited finances
• Strategies to pinpoint what assets you can bring to the table in real estate
• How to create a strong business partnership
• How to determine whether or not a property would be a good deal
• Where to find properties
• How to leverage the bank and lender to invest in a property

RESOURCES MENTIONED

• Rich Dad, Poor Dad by Robert T. Kiyosaki 
• Retire Young, Retire Rich by Robert T. Kiyosaki:
• Rashauna Scott on Instagram

THANKS FOR LISTENING!

Today’s show is sponsored by Fetch Rewards. Fetch Rewards offers users free rewards on groceries, just by scanning their grocery receipts! Listeners get 2,000 points when they use the code HNHM after signing up and scanning their first receipt.

Thanks for tuning into us on The His & Her Money Show. Also, 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.

Also, please leave an honest review for The His & Her Money Show on iTunes!Ratings and reviews are extremely helpful and greatly appreciated! Furthermore, they do matter in the rankings of the show, and we do read each and every one of them.

On this episode of The His & Her Money Show, we talk about the power of budgets to change your future with money coach, Ericka Young.

While most of us know we need to budget, most of us also know that we don’t like the budgeting process. Budgeting feels like a straitjacket. It feels like you’re depriving yourself.

Budgets don’t have to feel that way.

In fact, as Ericka Young shares with our listeners, restrictive is the opposite of how a budget should make you feel. A budget should leave you empowered. A simple, one-page budget can be a powerful tool for you and your family to manage your financial destiny.

RESOURCES MENTIONED

• Tailor Made Budget
• Dave Ramsey’s Baby Steps
• Free Financial Education (eBook) for Teens (TailorMadeBudgets.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.

When you first begin to tackle your journey to debt-freedom, where do you start? Maybe you look online for some guidance, but so often, when we have premade budget trackers thrown at us, templates and plans we find online, they don’t work for us. It makes us feel like we’ve failed, and those loans feel more and more insurmountable.

This happened to Miko Ehrmantraut, over and over and over again. Divorced, drowning in student loan and credit card debt, and suddenly a single mom, she made her first budget 9 years ago.

During her journey, managed to knock out a whopping 70k out of her debt in a mere 8 months. Not only that, be she build a debt-free million dollar business in the process!

WHAT YOU WILL LEARN

• How to find a budget that works for your unique life
• Ways to tackle underlying emotional and psychological triggers behind spending money
• How to find extra money by reducing bills and expenses
• Learning a side hustle to make extra money
• Lifestyle changes you can make as a parent
• How to prioritize quality time with your child
• How to psychologically prepare yourself for starting a business
• Ideas to make money online

RESOURCES MENTIONED

• The Budget Mom

THANKS FOR LISTENING!

Special thanks to Voleo for sponsoring this episode. Voleo is the first mobile app designed to help people invest in stocks together through investment clubs. Visit HisandHerMoney.com/Voleo for more info.

Thanks for tuning into us on The His & Her Money Show. Also, 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.

Also, please leave an honest review for The His & Her Money Show on iTunes!Ratings and reviews are extremely helpful and greatly appreciated! Furthermore, they do matter in the rankings of the show, and we do read each and every one of them.

On today’s episode of The His & Her Money Show, we talk about a big issue that is affecting our entire country, student loan debt. It is one of the biggest hurdles of anyone trying to get financially free. 

As our guest Ryan Craig points out, the U.S. student loan debt total is at $1.5 TRILLION dollars.

This debt was incurred mostly by students who believed the dream that college would help them get a “good job”, only to find that the “good jobs” wanted employees with a different set of skills.

How do we fix this problem and how do we prevent the next generation of college-bound students from falling into the trap?

Give them alternatives.

That’s what Ryan Craig is all about. Ryan argues that now is the time to give cheaper and more targeted options for people, throughout their careers, whether they are high school students or experienced workers looking to advance their career.

WHAT YOU WILL LEARN IN THIS EPISODE

• What is causing the student loan crisis?
• How much should we be saving for college?
• Conversations parents should have with their kids about paying for college
• The “right-left” education approach Ryan says schools should adapt to help students find better jobs
• Examples of career paths that lead to good first-time jobs
• Alternatives to college
• Conversations our society needs to have about paying for college
• How to break up with the “college will fix everything” belief 
• What higher education may look like in the future
• What high schools) and parents need to do to prepare their children for college alternatives

RESOURCES

• A New U: Faster + Cheaper Alternatives to College
• Salesforce
• The Ultimate Guide to UI Design Bootcamps
• The Ultimate Guide to Digital Marketing Bootcamps
• Galvanize
• TalentPath
• Techtonic
• Aon Apprenticeships
• Alternatives to College

THANKS FOR LISTENING!

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.

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. Also, please leave an honest review for The The His & Her Money Show on iTunes! Ratings and reviews are extremely helpful and greatly appreciated! They do matter in the rankings of the show, and we do read each and every one of them.

Nowadays, going to college has become synonymous with entering adulthood in massive student loan debt. Having just entered the workforce, being able to not only find and hold a job but also begin tackling this debt can be incredibly daunting and seemingly impossible. 

However, 23-year-old Briana Browne has managed to pay off 30k of student loan debt in a year and a half, proving that, with the correct mindset, support system, and motivation, reaching debt freedom right out of college is achievable.

WHAT YOU WILL LEARN

• Paying off student loans right after college
• Taking advantage of your family and home
• Private loan payment plans
• Staying focused on eliminating debt right out of college

RESOURCES MENTIONED

• Briana’s website - https://www.brianabrowne.com/

So many of us are right in the middle of the journey to financial freedom and it's easy to get off track. Sometimes it feels as if the traction just isn't there. But it's never too late to start again. 

On today's episode of The His & Her Money Show, we talk with Sonia Sears. She became debt-free at one point in her life, but later on, she slipped back into debt.

She is a licensed clinical social worker and also works as a mental health practitioner. 

What You Will Learn In This Episode

• How to give things up in the short term to achieve your long term goal
• Get extra jobs and use the cash to pay off debt
• If you can, go live with your parents for a while to decrease your expenses
• Why you need to be accountable to someone

Resources Mentioned

• Mint: Budget Tracker & Planner – Free Only Money Management

Thanks For Listening!

Special thanks to Voleo for sponsoring this episode. Voleo is the first mobile app designed to help people invest in stocks together through investment clubs. Visit HisandHerMoney.com/Voleo for more info.

Thanks for tuning into us on The His & Her Money Show. Also, 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.

Also, please leave an honest review for The His & Her Money Show on iTunes!Ratings and reviews are extremely helpful and greatly appreciated! Furthermore, they do matter in the rankings of the show, and we do read each and every one of them.

Real estate investment is a long-term game that can reap some incredible benefits. However, buying a single home most likely won’t lead you towards complete financial independence.

Today, a real estate investing couple, Mark and Tamiel, are here to share their experience and journey into real estate syndication and how they are using this to build generational wealth and choice-filled lives for their children

Real estate syndication is, in short, group purchasing. It allows the average person to collectively gather money with other investors to buy properties that they would not be able to buy individually. 

Mark and Tamiel turned towards purchasing larger, multi-family units or apartment buildings because the track they were on would only lead them to financial independence late in life.

WHAT YOU WILL LEARN

• Ways to get involved in real estate syndication
• Differences between single-home and multi-unit investments
• How to find trustworthy and reliable partners
• Factors to consider before investing
• How to manage and divide revenue for multi-unit investments
• What to look for in an investment area
• How to come up with the capital for an initial investment

RESOURCES MENTIONED

• Family Syndication Group

THANKS FOR LISTENING!

Thanks for tuning into the His & Her Money Show. If you’ve enjoyed this episode, please share it using the social media buttons at the bottom of the post.

Also, please leave an honest review of the His & Her Money Show on iTunes! Ratings and reviews are extremely helpful and greatly appreciated! They do matter in the rankings of the show and we do read each and every one of them.

On this episode of The His & Her Money podcast, we’ve got an incredible story for you. Meet Christopher and Savaughn, a court officer and medical receptionist by day, pastor and first lady of their church by night. Married for 17 years and with 2 children, they managed to pay off 52k of debt in 32 months. 

With a combination of tax payments, medical bills, student and car loans, and credit card debt, they had been struggling with their finances for years before finally deciding to make a change.

But once they took their first step towards debt freedom and the bills started disappearing, they were motivated to pay it all off.

WHAT YOU WILL LEARN

• How to shift your mindset to make financial changes
• How to take action on your faith in getting rid of debt
• Ways to get your children involved in your financial journey
• Establishing a supportive community
• Making changes and budgets to increase debt payments
• The impact of a debt-free journey on marriage
• Taking the first step towards tackling your debt

RESOURCES MENTIONED

• The Total Money Makeover by Dave Ramsey
• Rich Dad, Poor Dad by Robert T. Kiyosaki

THANKS FOR LISTENING!

Thanks for tuning into 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 at the bottom of the post.

Also, please leave an honest review of the His & Her Money Show on iTunes! Ratings and reviews are extremely helpful and greatly appreciated! They do matter in the rankings of the show and we do read each and every one of them.

Special thanks to Voleo for sponsoring this episode. Voleo is the first mobile app designed to help people invest in stocks together through investment clubs. Visit HisandHerMoney.com/Voleo for more info.

Here on the His & Her Money podcast, we’re dedicated to not only helping you pay off debt but also empowering you to invest in your own wealth.

Real estate investing is a popular option - however, it often comes with many barriers and obstacles that make it seem impossible. 

On this episode, we sit down with Danielle Pierce, an expert on tax lien investment who has been in the real estate industry for over 12 years. A tax lien is placed on properties whose owners have failed to pay their taxes.

Danielle shares how investing in these tax lien properties can produce income through double-digit interest or ownership, and how this option serves as a more accessible and low-risk method of real estate investment.

WHAT YOU WILL LEARN

• Tax lien investing
• How to find out if your area has opportunities for tax lien investment
• What to bring and how to prepare for a sale
• How a redemption period can affect your decision to invest in a property
• Factors to consider when choosing an area 
• Benefits of hiring an attorney
• What happens after you purchase a tax lien property

RESOURCES MENTIONED

• Tax Lien Investing 101 
• Daniellepierce.com
• Danielle’s YouTube Channel

THANKS FOR LISTENING!

Thanks for tuning into us on The His & Her Money Show. Also, 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.

Also, please leave an honest review for The His & Her Money Show on iTunes!Ratings and reviews are extremely helpful and greatly appreciated! Furthermore, they do matter in the rankings of the show, and we do read each and every one of them.

Teamwork is so imperative in marriage. Loving and supporting each other gives a great foundation to work and play together. And trust goes a long long way to secure unity. On today's episode of The His & Her Money Show, Robert and Tammira Lucas tell us their story. 

Tammira describes herself as a serial entrepreneur, mom, and wife as well as a business professor in Baltimore. She is the founder of Moms As Entrepreneurs in underserved communities.

She launched her own co-working space for mothers which provides babysitting services for moms. Another company she runs, The Business Dr, provides strategic marketing solutions for social media and business consulting. 

Robert started in business with his father, running a home service for carpet cleaning which grew to a good level. He branched out and now owns his own used car dealership. He was born to be an entrepreneur. 

What You Will Learn In This Episode

• How to support your spouse
• How to just go for it
• Strategies to research your idea
• Ways to properly handle failures and mistakes
• How to surrender to God and chill out
• How to include your children

Resources Mentioned

• The Profit– Marcus Lemonis 
• Living Your Best Life– Laura Berman Fortgang

Special thanks to Voleo for sponsoring this episode. Voleo is the first mobile app designed to help people invest in stocks together through
investment clubs. Visit HisandHerMoney.com/Voleo for more info.

In this episode of His & Her Money, we talk to a special guest - Rob Rose. However, we’re not talking to Rob about his debt-free journey. Instead, Rob shares an incredible resource available across the country that could provide easier access towards personal and community wealth building through real estate investment.

Rob is the executive director of the Cook County Land Bank Authority. A land bank is what the name states - it can bank and hold distressed properties that are either foreclosed or abandoned. Their mission is to make these properties available to potential investors, business owners and homeowners at below-market prices to stabilize neighborhoods through community-based wealth building. 

WHAT YOU WILL LEARN

• The importance of community-based wealth building
• How to keep wealth within a community
• About the role of land banks
• Expectations for property investors
• Common property investment mistakes

RESOURCES MENTIONED

• Power Couples University
• Center for Community Progress
• Cook County Land Bank Authority

THANKS FOR LISTENING!

Thanks for tuning into us on The His & Her Money Show. Also, 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.

Also, please leave an honest review for The His & Her Money Show on iTunes!Ratings and reviews are extremely helpful and greatly appreciated! Furthermore, they do matter in the rankings of the show, and we do read each and every one of them.

On today’s episode of The His & Her Money Show, we talk with John Lanza from The Money Mammals about the power and practice of raising money-empowered and money-smart kids.

EPISODE SHOWNOTES:

• https://www.hisandhermoney.com/400

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.

Today’s show was sponsored by Crush My Mortgage. If you are ready to accelerate the process of paying off your home mortgage and become truly financially free once and for all then enroll in our brand new online course Crush My Mortgage.

As David Greene’s story shows, it is possible to build a real estate empire on a waiter’s income. Using only hard work and dedication, David was able to turn his job waiting tables into a platform that allowed him to graduate college debt-free and have enough savings to start investing in real estate.

David Greene is a part of the team at BiggerPockets where they discuss real estate investing strategies that allow you to build cash flow while investing.

Episode Shownotes

• https://www.hisandhermoney.com/Episode399

Thanks For Listening!

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.

Debt can seem so daunting. It can also make us feel bad about ourselves. Negative thinking can cause us to go on autopilot and want to bury our heads in the sand.

But when we decide to tackle the problem, we can look debt in the face and tell it: “Debt! You're going down.”

On today's episode of The His & Her Money Show, Jonte Lee paid off $60,000 in private student loan debt in one year. 

Episode Shownotes

• https://www.hisandhermoney.com/Episode398

Thank You For Listening!

Thanks to PolicyGenius.com for sponsoring our podcast. Policy Genius is the easiest site to shop for term life insurance. You can find the best policy in just 5 minutes!

Thanks for tuning into us on The His & Her Money Show. Also, 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.

Also, please leave an honest review for The His & Her Money Show on iTunes!Ratings and reviews are extremely helpful and greatly appreciated! Furthermore, they do matter in the rankings of the show, and we do read each and every one of them.

The Sandwich Generation is described as a group of people that have children and parents that depend on them financially. And so they feel they are being squeezed from both directions. But by having the right conversation early, things can be clearer and easier. 

On today's episode of The His & Her Money Show, Cameron Huddleston, a financial journalist, and writer is the author of the new book: Mom And Dad, We Need To Talk. She shares a ton of wisdom on how to properly discuss financial matters with your aging parents.

Episode Shownotes

• https://www.hisandhermoney.com/Episode397

Thanks For Listening!

Thanks for tuning into us on The His & Her Money Show. Also, 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.

Also, please leave an honest review for The His & Her Money Show on iTunes!Ratings and reviews are extremely helpful and greatly appreciated! Furthermore, they do matter in the rankings of the show, and we do read each and every one of them.

Get your FREE audiobook download and 30-day free trial at HisandHerMoney.com/Audible. Additionally, they have over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player. In fact, Audible has a ton of audiobooks for you to try no matter what genre you love to read.

On today's episode of The His & Her Money Show, we feature Murphy and Melissa have been married for 9 years and together they paid off $229,000 debt in 5 years. The debt comprised of $125,000 student debt and $104,000 consumer debt. 

What You Will Learn In This Episode

• Why you need to do your research
• How to get your spouse on board
• Marriage communication is important
• How to save money and still have fun
• Why a vision is important

Episode Shownotes

• https://www.hisandhermoney.com/Episode396

Today’s show was sponsored by Teach Me How To Budget. If you are ready to gain freedom in your finances once and for all then enroll in our brand new personal finance course Teach Me How To Budget.

On today’s episode of The His & Her Money Show, we talk with Tanja Hester from Our Next Life and author of the phenomenal new book Work Optional (Retire Early The Non-Pinching Penny Way), and she shares her secrets to achieving early retirement. She retired at age 38 and her husband at the age of 41.

What You Will Learn In This Episode

• How you can save money without being a penny pincher
• You can start the process at any age 
• How to trick yourself into saving
• What is your vision
• What do you want your life to look like
• How to go through the transition retire process
• Why you need to track your spending
• What it means to hide money from yourself
• How to focus on earning instead of cutting
• Why all of this is worth it

Episode Shownotes

• https://www.hisandhermoney.com/Episode395

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.

On today's episode of The His & Her Money Show, Amber Guyton, a single 32-year-old, shares her journey to debt freedom. She was bound by $98,000 debt that consisted of student loans, a car loan, and credit card debt. Astonishingly, she kicked her debt to the curb in 25 months!

Episode Shownotes:

• https://www.hisandhermoney.com/Episode394 

On today’s episode of The His & Her Money Show, we feature Eugene Partridge as he shares his "In The Middle" story with us. He and his wife La'Keisha started with a total debt of $100,000 and to date, they have paid off more than $43,000 of it in ten months! Tune in to find out how!

Episode Shownotes: 

• https://www.hisandhermoney.com/Episode393

Thank You For Listening!

Today’s show was sponsored by Teach Me How To Budget. If you are ready to gain freedom in your finances once and for all then enroll in our brand new personal finance course Teach Me How To Budget.

In this episode, Rachel Dowd is here to talk about how she approaches life's unexpected challenges and how she keeps herself motivated by finding gratitude in smaller victories.

We interviewed Rachel for our series "In the Middle", where we talk to individuals who are still progressing through their journey towards a debt-free life. She is a dedicated listener to His & Her Money, a wife, and mother to three beautiful children, and the host of the Youtube channel Sweet And Simple Home. 

Episode Shownotes:

•  https://www.hisandhermoney.com/Episode392

Thanks For Listening!

Thanks for tuning into us on The His & Her Money Show. Also, 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.

Also, please leave an honest review for The His & Her Money Show on iTunes!Ratings and reviews are extremely helpful and greatly appreciated! Furthermore, they do matter in the rankings of the show, and we do read each and every one of them.

Today’s show was sponsored by Crush My Mortgage. If you are ready to accelerate the process of paying off your home mortgage and become truly financially free once and for all then enroll in our brand new online course Crush My Mortgage.

On today's episode of The His & Her Money Show, Khaden and Christina Nurse talks about how they paid off $120,000 in only two years. Christina is a biostatistician who loves to help people by encouraging them and teaching them all the ins and outs about math.

Khaden is an associate pastor and loves to speak about the gospel and what the Bible says about finances. He is also a business consultant for a recruiting company.  

Episode Shownotes

• https://www.hisandhermoney.com/Episode391

On today's episode of The His & Her Money Show, Mary Wheeler shares her encouraging journey with infectious optimism. As a single woman, she paid off $30,000 in 96 days! Yes, you read right. 96 days. 

What You Will Learn In This Episode

• Why money is a tool for you to use
• Find out what is really holding you back
• Why sacrifice is worth it in the long run
• How to stay committed to your goals
• What is discipline
• Who to share your dreams with

Resources Mentioned

• Know Debt, No Problem Podcast with Mary A. Wheeler
• No Excuses!– Brian Tracy
• Think And Grow Rich– Napoleon Hill
• Automatic Millionaire– David Bach

Thanks For Listening!

Thanks for tuning into us on The His & Her Money Show. Also, 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.

Also, please leave an honest review for The His & Her Money Show on iTunes!Ratings and reviews are extremely helpful and greatly appreciated! Furthermore, they do matter in the rankings of the show, and we do read each and every one of them.

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.

On today's episode of The His & Her Money Show, Rebecca Patterson, a single woman shares her journey to debt freedom. Amazingly, she paid off all of her student loan debt in an amazing time frame. You're going to love hearing about her journey to debt freedom at such a young age.

What You Will Learn In This Episode

• How to change your mindset towards money
• What to do with naysayers
• How to block out the noise from the world
• Why goals keep you going
• How low-cost events help
• Why podcasts are important
• How to go after what you want and get it

Resources Mentioned

• Get in touch with Rebecca at http://rebeccaeloisapatterson.com 
• Patrice Washington – Chase Purpose, Not Money

Thanks For Listening!

Thanks for tuning into us on The His & Her Money Show. Also, 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.

Also, please leave an honest review for The His & Her Money Show on iTunes!Ratings and reviews are extremely helpful and greatly appreciated! Furthermore, they do matter in the rankings of the show, and we do read each and every one of them.

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.

On today's episode of The His & Her Money Show, Danesca, a single mother and woman of faith, shares her story of debt freedom. The consumer debt of $38,833.09 included credit card bills, a car payment and medical bills she incurred due to Hyperthyroidism. Danesca paid it all off in only 16 months.

What You Will Learn In This Episode

• How a single parent can become debt-free
• What the difference is between needs and wants
• How to include your children on the debt-free journey
• Different ways to save money
• How your attitude can help or hinder you

Resources Mentioned

• Discerning The Voice Of God– Priscilla Shirer
• Financial Peace Revisited– Dave Ramsey

Thanks For Listening!

Thanks for tuning into us on The His & Her Money Show. Also, 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.

Also, please leave an honest review for The His & Her Money Show on iTunes!Ratings and reviews are extremely helpful and greatly appreciated! Furthermore, they do matter in the rankings of the show, and we do read each and every one of them.

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.

On today's episode of The His & Her Money Show, inspirational debt free couple, Brandon and Alayshia Presley, tells us about their journey to debt freedom.

They detail how they paid off $80,000 of debt which included student loans of $50,000, a car loan $16,000, credit cards of about $4,000, medical bills of about $9,000 and money they had to pay back to other people of about $1,000.  

What You Will Learn

• Why debt is NOT normal
• How to open your eyes to your REAL financial situation
• Why it’s so important to have a vision for your future
• Great ideas to bring in additional revenue
• How debt freedom gives you options

Resources Mentioned

• Alayshia's Etsy Shop - http://go2l.ink/1yGq
• Alayshia’s eBay Store -http://go2l.ink/1yGs
• Brandon’s Tutoring Services - http://go2l.ink/1yGt
• Total Money Makeover by Dave Ramsey
• Rich Habits - The Daily Success Habits of Wealthy Individuals by Thomas C. Corley -  
• Rich Dad Poor Dad by Robert T. Kiyosaki
• Who Switched Off My Brainby Caroline Leaf

Thanks For Listening!

Thanks for tuning into us on The His & Her Money Show. Also, 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.

Also, please leave an honest review for The His & Her Money Show on iTunes!Ratings and reviews are extremely helpful and greatly appreciated! Furthermore, they do matter in the rankings of the show, and we do read each and every one of them.

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.

On today's episode of The His & Her Money Show, Andrew Doerman, from Legal & General America, shares his insights on life insurance. Andrew has been in his field for 15 years. We left no stone unturned in this episode. Get ready to take some great notes and ultimately take action.

What You Will Learn In This Episode

• What is life insurance
• Why is it important
• What is the difference between term and whole life insurance
• Why you need life insurance if you have a mortgage
• What is a life insurance needs analysis
• Why an annual review of your life insurance is important
• Why work policy insurance is not enough

Resources Mentioned

• Legal & General America – Life Insurance and Retirement
• AM Best Company – Credit rating agency
• Fitch Group – Credit rating agency
• Standard & Poor's – Credit rating agency

Today’s show is sponsored by Legal and General America. Legal & General America makes understanding and applying for life insurance easy.

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.

On today's episode of The His & Her Money Show, Joseph Hogue shares how to side hustle your way to financial freedom. Joseph comes from an equity analyst background. For the last 5-years, he has been helping mainstream investors with wealth creation.

Joseph has a real passion for teaching people on various money-related topics from passive income and side hustle ideas to the best investments in dividend stocks. 

What You Will Learn In This Episode

• How to build your way to financial freedom
• Which side hustle will suit you
• You CAN make money by doing something you love, it works
• How to outsource the things you can’t do yet
• A detailed explanation to self publish on Amazon

Resources Mentioned

• My Work From Money Home- Joseph Hogue
• Joseph Hogue’s YouTube Channel- Let’s Talk Money!
• About PeerFinance101 - Joseph Hogue
• Joseph Hogue on LinkedIn
• Fiverr
• Udemy

Thanks For Listening!

Thanks for tuning into 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.

Also, please leave an honest review of the His & Her Money Show on iTunes! Ratings and reviews are extremely helpful and greatly appreciated! They do matter in the rankings of the show and we do read each and every one of them.

Today’s show was sponsored by Crush My Mortgage. If you are ready to accelerate the process of paying off your home mortgage and become truly financially free once and for all then enroll in our brand new online course Crush My Mortgage.

On today's episode of The His & Her Money Show, Ruth Soukup, the founder of Living Well Spending Less and Elite Blog Academy, as well as the founder of the Living Well Planner, New York Times bestselling author of six books, including her newest book, Do It Scared.

All of us experience fear but it looks different from person to person. The research showed that there are seven fear archetypes. And usually, there are three or four that work together that gives each individual a unique fear fingerprint.

Ruth realized that to cure the fear you first had to recognize the type of fear that was holding you back and then identify how it manifests in your life. If you can see it, then you deal with it.

Resources Mentioned

• Do It Scared: Find the Courage to Face Your Fears, Overcome Adversity, and Create a Life You Love by Ruth Soukup
• The Do It Scared Fear Assessment

We’re going to be talking to Leslie Tayne. She has over 20 years of experience as a lawyer who practices in the area of consumer and business, financial debt resolution. Today we’re going to be talking about life and debt.

What You Will Learn

• What ways your finances will change when going from single to married.
• How to factor your new spouse in your finances.
• Ways you can communicate about finances with your spouse.
• When to communicate with your spouse about finances.
• Sometimes it’s okay to keep finances separate when you’re married.
• What couples should talk about when it comes to finances.

Resources Mentioned

• Life and Debt by Leslie Tayne
• Leslie Tayne’s Website

Welcome back to another great episode! We’re ready to help you with another story of encouragement. Today we have another great example of financial freedom. Believe it or not, everyone has the ability to successfully achieve financial freedom.

Today we’re going to be talking to Steven Donovan from EvenStevenMoney.com. He’s going to share his incredible journey about how he accomplished his debt freedom. He not only paid off all of his debt, but he and his wife also paid off the home that they are currently living in!

What You Will Learn

• How to get started paying off debt.
• What types of things you should do to stay motivated.
• It’s important to create a budget.
• Creating goals are important.
• How to focus on the end goal.
• How to cut expenses.
• Importance of tracking expenses.
• Which debts to focus on first.
• How to make extra money to pay towards debt.
• What it feels like to pay off debt.

Resources Mentioned

• EvenStevenMoney.com

Thanks for Listening!

Today’s show was sponsored by Crush My Mortgage. If you are ready to accelerate the process of paying off your home mortgage and become truly financially free once and for all then enroll in our brand new online course Crush My Mortgage.

Today we’re going to dive into building wealth through the power of Real Estate. On today’s episode, we will be talking with 'The Charm City Buyers' - Khalil and Kyara.

They are building wealth through real estate in the city of Baltimore. In fact, they have amassed a real estate portfolio of 20 properties to include an entire block by the age of 30.

They are going to share with us how we can build wealth through the power of real estate investing as well!

Resources Mentioned

• Charm City Buyers Website
• OPM is King! Introductory Class
• OPM is King! Masterclass

On this episode, we are going to be talking with Dustin and Tiffany and hear how they crushed over $75,000 in debt in just 18 months!

Resources Mentioned

• Every Dollar App
• Instagram
• FB Page Tiffany Cottrell Accountability

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On today’s episode of The His & Her Money Show, Anthony and Jhanilka Hartzog tell us of their journey of paying off a tremendous amount of debt.

They jumped into their financial journey in January 2017. Their goal was to travel more and to save more. Within 23 months they had paid off an astounding $114,151 which was comprised of credit cards, student loans, and a brand new car.

RESOURCES MENTIONED

• The Total Money Make Over by Dave Ramsey
• Side Hustle Pro Podcasts
• Paychecks and Balances

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Today we’ll be talking to Steve Shumpert. Amazingly, he paid off $75K in debt in just 15 months! He’s going to share his story with us today and tell us more about how he did it and how you can do it too!

Resources Mentioned

• Steve Shumpert on Instagram
• Steve Shumpert on Facebook
• Email Steve Shumpert at Shumperfinancial@gmail.com

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On today's episode of The His & Her Money Show, Nathan Latka, entrepreneur extraordinaire, teaches us about the 4 rules that you need to break to become rich. Nathan has started companies, sold companies, and invested in companies and now teaches others what he has learned from his journey regarding financial literacy.

RESOURCES

• How to Be a Capitalist Without Any Capital: The Four Rules You Must Break to Get Rich by Nathan Latka

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On today’s episode, we will be talking with Travis Hornsby from Student Loan Planner about student loan debt and how to tackle it properly.

Travis has a lot of experience paying off a lot of student loan debt. He has shown plenty of people how to pay off student loan debt and he is here to help you figure out a plan of attack and give you good wisdom on how to begin your journey of paying off your student loan debt.

WHAT YOU WILL LEARN IN THIS EPISODE

• When to take out student loans
• Why it’s important not to take on more debt than you’ll be able to pay back
• About different repayment options
• When it's good to refinance
• Drawbacks to refinancing
• Whether it's a good idea to go to grad school if you already have student loan debt
• What steps to take when you want to pay off debt
• Financial goals before taking care of your student debt
• Tips to accelerate the process of attacking student loan debt
• About consolidating loans

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On today's episode of The His & Her Money Show, Prentice and Dionne Motley, a debt-free couple, tells us their inspirational freedom story of being a good steward with their money.

Episode Shownotes: 

http://go2l.ink/1yTw

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On today’s episode of The His & Her Money Show, Tonya Rapley, author of The Money Manual and founder of My Fab Finance, gives us some wisdom and insight on how to create wealth.

She is a millennial money expert, financial educator and overall change agent, passionate about helping people create lives that they love.

RESOURCES MENTIONED

• The Money Manual by Tonya B. Rapley 

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On today's episode of The His & Her Money Show, Bob and Linda Lotich tells us they personally journey to financial freedom and how they help other people to get out of debt using Biblical principles.

WHAT YOU WILL LEARN IN THIS EPISODE

• How giving gets you out of debt
• God is really for you, in your life and your finances
• What a sabbatical will do for your finances, your family and your life
• How can you have a business that doesn’t run your life
• What to do when you want to start your own business
• How to stretch and build your faith

RESOURCES MENTIONED

• The Rest of God by Mark Buchanan

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On today’s episode, we will be talking with Erin Lowry about investing. She will provide insight and practical ways on how we can all be investing.

Erin runs an awesome platform called Broke Millenial and she wrote a book titled The Broke Millenial Takes on Investing. She has a ton of great information to share on which path you should take in your investing journey.

As a bonus to our listeners, Erin is offering access to her 30-Day Rookie Investor Action Plan for anyone who orders the book. The Action List is a downloadable a day planner style PDF that gives one small, actionable step to take each day to push you towards becoming a more confident investor.

Email proof of purchase to info@brokemillennial.com with "His & Her Money" in the subject line to claim your Action Plan.

Resources Mentioned

• Erin's website: Broke Millennial
• Broke Millennials: Stop Scraping By and Get Your Financial Life Together
• Broke Millennial: Takes Out Investing, A Beginners Guide to Leveling Up Your Money
• How To Avoid Becoming a Broke Millennial with Erin Lowry
• Everything You Need To Know To Find The Right Online Bank Account with Erin Lowry

On today's episode of The His & Her Money Show, Cortlon Cofield is a licensed CPA and financial advisor. He specializes in helping entrepreneurs get their finances sorted out and in the process, to grow their businesses. He shares valuable insights on the moves that you need to be making with your taxes in light of the new tax codes being in effect.

WHAT YOU WILL LEARN IN THIS EPISODE

• What is tax efficiency?
• Discipline is needed to get your personal finance in order
• How to get out of the employee quadrant and into the business owner or investor quadrant
• Why monetizing your hobby will increase your tax deductions
• Wise ways to spend your tax return money
• How to think: future me
• Inflation: how it influences you

RESOURCES

• Cortlon's Website - https://www.cofieldadvisors.com/
• Betterment app -  https://www.betterment.com/
• Acorn app - https://www.acorns.com/

On today’s episode of The His & Her Money Show, Rob and Reshawn Lee tell us about their amazing journey of destroying debt and building wealth. Rob is a former marine, husband and father. Reshawn is wife and mother. They are empty nesters in their forties and have two sons. 

At the beginning of their marriage, they were not comfortable placing all their money in one bank account. They prayed about it and realized they should join their finances. Together they collaborated to pay off the car notes, Rob’s student loan and their home loan of about $200,000!

They didn't stop there however, they kept grinding and made it their business to build wealth and give themselves another level of freedom. Their share the steps that they took and how you can do the same.

WHAT YOU WILL LEARN IN THIS EPISODE

• Solutions for blended families finances
• Why having an allowance as an adult will help you with your debt freedom journey
• Having tough financial conversations will help your marriage
• Why pre-marital counseling at church will help you with marital roles and responsibilities
• The do’s and don’ts of real estate investing
• What is a cash-out refinance, a ten thirty-one exchange, and a small multi-family rental

RESOURCES

• The Courage to be Rich by Suze Orman 
• The Total Money Makeover by Dave Ramsey

On today's episode of The His & Her Money Show, Justine Nelson, founder of Debt Free Millennials, shares her story of debt freedom.

She teaches her generation how to become a debt-free millennial, stay in control of their money and live that life that they love.

WHAT YOU WILL LEARN IN THIS EPISODE

• Why you should read books and blogs to enrich your knowledge about debt freedom
• What a decision can do for you and your financial situation
• How to become tenacious when it comes to paying off debt
• Why a written budget is so important
• How to give your money direction
• How social media can help your business
• Why it’s imperative to discuss finances with your spouse/partner
• How to find a skill set that you can make money at
• How to use a project management tool to track your tasks
• What a business coach can do for you

RESOURCES

• Love and Respect: The Love She Most Desires; The Respect He Desperately Needs by Dr. Emerson Eggerichs 
• Asana Project Management tool 
• Smart Passive Income website by Pat Flynn  
• Think Creative Collective

On today’s episode of The His & Her Money Show, Brian and Cara join to discuss their journey to debt freedom. This young couple is debt free including their house. They have been married for 11 years and they have two children, a five and a three-year-old.

Their consumer debt (student loans, credit cards, car loans) that they paid off was about $50,000. But they didn't stop there, because they also went on to pay off their home mortgage.

WHAT YOU WILL LEARN IN THIS EPISODE

• Why the first step in the journey to financial freedom is the hardest
• What to do with the poisonous words from neigh sayers
• Which tools can help you on your journey
• How to ignore the enemy and pursue your dreams
• What to do when the struggles come along on your journey
• How debt causes you to spend more money
• How to leave a legacy for your future generations

RESOURCES

• Cara's "House Hunters" playlist on YouTube

The art of mastering your personal finances is never a cookie cutter approach. It’s personal. And you need to do what is right for your situation.

Saving money does not come naturally to all people. Investing makes most people nervous because it seems so intricate. And yet, we all should be doing it. But as the saying goes: Build the well before you need it.

On today’s episode of The His & Her Money Show, Todd Kunsman, who works in marketing, tells us about his journey to financial freedom after a job loss.

WHAT YOU WILL LEARN IN THIS EPISODE

• Why reading books will help you on your journey
• There are a lot of free information available online, you just need to look for it
• How to save more money
• Make a spreadsheet to see your whole financial situation
• How to become a digital marketer
• Why starting a side hustle is important

RESOURCES MENTIONED

• Your Money or Your Life by Vicki Robin 
• Rich Dad Poor Dad by Robert T. Kiyosaki 
• The Bogleheads’ Guide to Investing by Taylor Larimore 
• Money Master the Game by Tony Robbins 
• Unshakeable by Tony Robbins 
• The 4-Hour Work Week by Timothy Ferriss 

On today’s episode of The His & Her Money Show, Steve and Melissa Smythe from Braver, Bolder, Living brings us their inspiring journey of debt freedom.

This couple paid off their consumer debt of $60000 in three years and then, to their astonishment, licked the mortgage of $120000 in less than the expected 2 years.

WHAT YOU WILL LEARN IN THIS EPISODE

• Find out your motivation to become debt free
• How to involve the children in the journey to debt freedom
• Creating a blessing fund to bless others
• Leaving a financial education and legacy to your children

RESOURCES

• Financial Peace Revisited by Dave Ramsey
• The Total Money Makeover by Dave Ramsey
• A Complete Guide to Money by Dave Ramsey
• Debt Free Living by Larry Burket
• Debt-Proof Living by Mary Hunt
• Love Your Life Not Theirs by Rachel Cruze

Also, please leave an honest review for The The His & Her Money Show on iTunes! Likewise, ratings and reviews are extremely helpful and greatly appreciated! Furthermore, they do matter in the rankings of the show, and we do read each and every one of them.

On today's episode of The His & Her Money Show, Grant Sabatier, author of Financial Freedom, shares with us nuggets of gold to living a richer and more prosperous life. His focus is on fast-tracking financial independence and showing the world how to achieve financial freedom.

We believe in his book so much that we are giving away three copies to our audience. To enter for your chance to win simply go HERE to enter. 

WHAT YOU WILL LEARN IN THIS EPISODE

• How much of your income you should save
• Find out what your definition is of financial independence 
• How to challenge your way of thinking about money
• Why you should invest in yourself
• How to get out of the 40-year-plan-to-retirement way of thinking
• Why and how to be intentional

RESOURCES

• Financial Freedom by Grant Sabatier 
• The Top Five Regrets of the Dying by Bronnie Ware 

On today’s episode of The His & Her Money Show, Michael Holmes is the founder of Tithehacker.org. He looked at Christian millionaires and billionaires by studying their stories, patterns, and strategies.

WHAT YOU WILL LEARN IN THIS EPISODE

• What it takes to become a millionaire.
• The benefits of tithing.
• What wealth and abundance really means.
• How to be a responsible steward of money.
• Why you must write down your vision and goals with deadlines attached to them.
• Why God wants us to have entrepreneurial thinking.
• How to trust God more with your money matters.

RESOURCES

• Success Habits of Christian Millionaires - by Michael Holmes 

On today's episode of The His & Her Money Show, Brian and Cherie Lowe shares nuggets, tips and strategies on money and marriage. In 2008 they were in the midst of paying off all their consumer debt. They thought it would take them fifteen years, seven and a half if they really hustled, but by God’s grace they paid off all their consumer debt of $127,482,30 in just under four years.

Cherie runs a money saving website, called Queen of Free, and together they wrote a book called Your Money, Your Marriage. The premise behind the book was to show that if arguments about money can push couples apart, then agreements on money could pull them together.

WHAT YOU WILL LEARN IN THIS EPISODE

• How do I get my spouse on the same page about finances?
• Why being consistent tells your spouse: I love you.
• How to talk about money with your spouse, (even if it feels awkward).
• How to organize money issues and declutter it.
• Teaching your children money wisdom.
• What are financial foreplay and financial intimacy?
• How to remove those barriers to intimacy.
• What is a generous fund?

RESOURCES

• Your Money, Your Marriage by Brian and Cherie Lowe