S1 E422 · Wed, April 16, 2025

Balancing Your Money & Lifestyle Goals To Create The Life You Love

In this solo episode, I’m diving into a topic that’s been on my mind lately—how to balance lifestyle goals with financial goals. Inspired by a recent girls trip and conversations about how much life has changed, I reflect on what it really means to live a fulfilling life while still being smart about money. I share some insights straight from my book Your Journey to Financial Freedom , including how to define your goals, prioritize them, and create a realistic plan that works for you. In this episode, I discuss:  The difference between life goals (like flexibility and travel) and financial goals (like retirement and savings) Why separating and labeling your goals helps you create a clearer plan My FI Formula and the five financial goal types: income, spending, saving, debt payoff, and investing How to do a goal dump, organize your goals, and figure out how long they’ll take to reach The 5 Journeyer Stages and how they can guide how you approach spending vs. saving Other Links Mentioned in episode:  Get the FIRE Calc Tool For Yourself Here . Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here ! Get your copy of my book: Your Journey To Financial Freedom! Join The  Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and g

S1 E421 · Wed, April 09, 2025

How to Stay Financially Grounded in Uncertain Times

In this solo episode of the Journey to Launch Podcast, I break down how to navigate the financial turbulence caused by recent economic changes. Whether it’s the unpredictable stock market, rising costs, or job insecurity, I’ll walk through the 2 intangible and 4 tangible steps you can take today to protect and grow your money. You’ll obtain actionable strategies that will help you feel more in control during uncertain times. Key Takeaways: Mindset & Habits: Slow down, don’t panic. Regularly check in on your finances to stay grounded and make informed decisions rather than reacting emotionally. Income: Evaluate the stability of your industry and job. Consider upskilling or starting a side hustle to boost financial resilience. Expenses & Assets: Trim non-essential spending and pause major purchases. Prioritize building your emergency fund—even in small amounts—and keep cash accessible. Debt Management: Stay on top of your debts. Focus on minimum payments, avoid taking on new liabilities, and explore options to negotiate if needed. Other Links Mentioned in episode:  Get the FIRE Calc Tool For Yourself Here . Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here ! Get your copy of my book: Your Journey To Financial Freedom! Join The  Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my <a href="https://journeytolaunch.com/ynab" targe

S1 E420 · Wed, April 02, 2025

Breaking Through Money Overwhelm: Steps & Reflections for Your Wealth Journey

April is Financial Literacy Month, and in this episode of the Journey to Launch Podcast, I’m celebrating by sharing how you can take control of your financial future and start your journey toward financial independence today. Financial literacy can feel overwhelming, but I’m here to guide you through simple steps to help you build wealth and reach your goals. I talk about my FIRE CALC tool, which I created to make financial planning easier and more accessible, plus I touch on the significance of generational wealth, mindset shifts, how to take control of your finances and much more. I also cover some key questions from the free discussion guides for my book “Your Journey to Financial Freedom”, giving you even more ways to reflect on and take action in your financial journey. In this episode, you’ll learn: The importance of financial literacy and why taking small, actionable steps toward financial freedom matters. How to shift your money mindset, overcome limiting beliefs, and start building wealth. The FIRE CALC tool and how it can help you map out your financial independence goals. How to engage with the discussion guides from my book, Your Journey to Financial Freedom, and how they can help you apply these concepts in your life. The importance of understanding your current financial stage and how it impacts your progress. Other Links Mentioned in episode:  Get the FIRE Calc Tool For Yourself Here . Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here ! Get your copy of my book: Your Journey To Financial Freedom! Join The  Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and

S1 E419 · Wed, March 26, 2025

Want to Retire Early & Reach Financial Independence? Here’s the Tool That Helped Me Plan It

In this episode, I introduce you to the FIRE Calc tool—a powerful resource I created to map out financial independence strategies. I share my personal journey of using the FIRE Calc to plan my exit from corporate America and explain how this tool can help you visualize your financial future with real numbers. Whether you’re just beginning your financial independence journey or looking to refine your strategy, this episode is packed with insights to help you take control of your financial future. In this episode, I explain:  The origins of the FIRE Calc tool and the power of seeing your FI journey mapped out visually. Key financial independence concepts like the 25x rule and 4% rule. How to plan for unexpected life events and incorporate potential career changes or business ventures into your FI plan. How I used the FIRE Calc to convince my husband about financial independence. Other Links Mentioned in episode:  Get the FIRE Calc Tool For Yourself Here . Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here ! Get your copy of my book: Your Journey To Financial Freedom! Join The  Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or

S1 E418 · Wed, March 19, 2025

The UGLY Truth About Trying to Reach Financial Independence – Is This a Fool’s Errand?

Is pursuing Financial Independence (FI) truly worth it, or is it just a fool’s errand? In this solo episode of Journey to Launch, I’m unpacking the hidden struggles of the FI journey—the sacrifices, the emotional rollercoaster, and the reality that more money won’t magically fix all your problems. From feeling cash-poor while building invisible wealth to navigating shifting goals and unexpected challenges, here is the ugly truth about FI and how to stay motivated without putting your life on hold. In this episode, I share: The Illusion of Wealth & Invisible Abundance- How Financial Independence often means accumulating invisible wealth through investments and assets rather than cash, making people feel “broke” despite growing net worth. Sacrifices and Trade-Offs – The journey to FI requires cutting back on spending, which can feel restrictive and lead to burnout if not balanced with enjoying life. "Each Level Has Its Devil" – Reaching FI doesn’t magically solve all problems; new challenges arise, such as financial decision fatigue, fear of running out of money, and identity shifts. Uncertainty in the Journey – Life circumstances change, making FI goals fluid; focusing on financial flexibility rather than a fixed number is more sustainable. FI as a Journey, Not a Destination – True financial freedom comes from security, flexibility, and autonomy, rather than just quitting work; enjoying the process is crucial. Other Links Mentioned in episode:  Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here ! Get your copy of my book: Your Journey To Financial Freedom! Join The  Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! <a h

S1 E417 · Wed, March 12, 2025

Mastering Money & Entrepreneurship: How to Build a Thriving Business & Life w/ Grant Sabatier

In this episode of the Journey to Launch Podcast, we welcome back entrepreneur, investor, and bestselling author Grant Sabatier. Grant shares insights from his new book, Inner Entrepreneur: A Proven Path to Profit and Peace, and reflects on his 10-year journey since reaching financial independence. He discusses how his financial philosophy has evolved, his experience selling and repurchasing Millennial Money, and his latest venture—opening a brick-and-mortar bookstore in Columbus, Ohio. Grant also offers valuable advice for aspiring entrepreneurs and content creators navigating today’s competitive digital landscape. In This Episode, Grant shares: How he reached financial independence in just over five years Insights into selling Millennial Money to The Motley Fool and later buying it back The increasing competition in digital spaces and why picking a single platform to master is crucial. Why he decided to open a bookstore and how it differs from online businesses Other Links Mentioned in episode: Listen to Grant's previous episodes on the Journey to Launch Podcast: From Unemployed and Broke to a Millionaire in 5 years w/ Grant Sabatier Your Guide to Financial Freedom & Having All The Money You Will Ever Need w/ Grant Sabatier Check out Grant's books:  Financial Freedom: A Proven Path to All the Money You Will Ever Need Inner Entrepreneur: A Proven Path to Profit and Peace BankBonus.com Check out Grant's Bookstore: Clintonville Books Get your copy of my book: Your Journey To Financial Freedom! Join Th

S1 E416 · Wed, March 05, 2025

How To Find $500–$1,000 in Your Budget With Little To No Extra Work

This week on the Journey to Launch Podcast, I’m sharing some strategies to help you uncover extra money in your budget without working harder. By making small but impactful changes, you could potentially save hundreds—or even thousands—of dollars. I’m walking you through a simple five-day challenge designed to help you cut unnecessary expenses, lower your bills, and take control of your cash flow. In This Episode, you’ll learn: How a spending freeze can help you reset your financial habits Why you should cancel unused subscriptions and recurring expenses How negotiating or switching service providers (such as car insurance or internet) can result in significant savings The importance of tracking your savings and intentionally allocating found money toward your financial goals & more! Other Links Mentioned in episode:

S1 E415 · Wed, February 26, 2025

Want To Quit Your Job? The Truth About Your Career & Financial Independence

In this episode of the Journey to Launch Podcast, I explore the question: Do you really want to quit your job, or are you just bored? I dive into the motivations behind financial independence and why so many people feel dissatisfied with their jobs. Reflecting on my own journey, I encourage you to ask yourself whether quitting is truly the right solution or if you simply need a shift in your work environment, role, or mindset. I’ll walk you through important questions to consider before making a big career move. I cover self-awareness, workplace dynamics, career alignment, and even alternative paths like entrepreneurship. I challenge you to think about whether you actually want to stop working or if you just need a break.  In this episode I discuss:  How self-reflection can help determine if your dissatisfaction is caused by the job itself or if there is a deeper issue, such as recurring work struggles or personal patterns. Whether frustration stems from low pay, lack of respect, or a toxic work environment, suggest considering negotiation or other options before quitting. The pros and cons of entrepreneurship, questioning whether you truly want to work for yourself  Whether taking a sabbatical, extended PTO, or making a career shift might be a better solution than quitting altogether. Other Links Mentioned in episode: Get your copy of my book: Your Journey To Financial Freedom! Join The  Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on f

S1 E414 · Wed, February 19, 2025

Unraveling Financial Fears: Understanding Money Emotions and Behaviors w/ Shannah Game

This week on the podcast, I am joined by Shannah Game, certified financial planner, trauma of money specialist, and author of Unraveling Your Relationship with Money. Shannah shares her journey from overcoming financial fears to becoming a money expert, emphasizing the emotional aspects of money management. We dive deep into overcoming financial shame, fear, and anxiety, exploring money personality types, emotional blocks around money, and practical ways to navigate financial decision-making. Shannah introduces four money personality types: Nightingale (nervous), Lion (risk-taker), Turtle (conservative), and Wolf (analytical). She recommends practices such as journaling and financial forgiveness, in order to understand financial emotions and behaviors. Shannah also shares her career evolution and goals, aiming for a balanced life with financial freedom and continued personal growth. In this episode, Shannah shares: How money beliefs and emotional barriers impact financial progress The power of financial forgiveness and mindset shifts for overcoming money shame Practical strategies to balance financial goals while enjoying life How to work with a partner or spouse with different money habits Why defining what “enough” looks like for you is key to financial happiness + much more! Watch the video to this episode on YouTube, here .  Other Links Mentioned in episode: Get your copy of my book: Your Journey To Financial Freedom! Join The  Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my <a href="https://journeytolau

S1 E413 · Wed, February 12, 2025

Financial Freedom & Love: The Key to Aligning Money & Relationships with Jessica & Brandon Norwood

This week on the Journey to Launch Podcast, I chat with Jessica and Brandon Norwood, co-hosts of the Sugar Daddy Podcast, about their financial journey and advice for listeners on how to build wealth and achieve financial freedom. Jessica, a former teacher now in tech, and Brandon, a licensed financial planner, emphasize the importance of understanding one's financial background and having open conversations about money in relationships. They introduce their "DREAM framework" for financial planning, which includes diving into past financial experiences, reflecting on current behaviors, engaging in detailed goal-setting, and actively managing finances. Their insights provide a practical roadmap if you’re looking to take control of your finances, strengthen your financial partnership, or create a future of financial security and freedom. In this episode Jessica and Brandon share: How couples can have honest discussions about their financial backgrounds, goals, and expectations to avoid conflicts and build a strong financial foundation together. That all individuals (especially women) should strive for financial security to ensure they have control over their future, even in unexpected situations. How Jessica transitioned from teaching to tech and significantly increased her income, showcasing the value of networking, skill-building, and strategic career changes. Why money is a tool, not the goal and why you should focus on what it enables you to do—whether it’s travel, more time with family, or financial freedom—and structure your financial decisions accordingly. Watch the video to ths episodes on YouTube.com/journeytolaunch.  Other Links Mentioned in episode: DREAM for Better Money Conversations Get your copy of my book: Your Journey To Financial Freedom! Join The  Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. <a href="https://www.journeytolaunch.com/voicemai

S1 E412 · Wed, February 05, 2025

5 Lessons on Embracing Change, Time, and the Journey to Financial Freedom- Birthday Reflections

In this special birthday episode, I’m sharing five powerful reflections on life, financial freedom, and personal growth as I celebrate another year! I’ll be diving into why time is our most valuable asset, the power of detaching from outcomes, shifting perspectives to find peace in the present, embracing the journey as the true destination, and giving ourselves permission to evolve at any stage of life. Tune in as I reflect on the lessons I’ve learned over the years and offer insights to help you navigate your own path with intention, grace, and patience. Key takeaways from this episode: Time is your most valuable asset—be intentional with how you use it and don’t delay happiness for a future milestone. Detach from outcomes by focusing on what you can control and releasing attachment to specific results. Shift your perspective to find peace in the present by recognizing and appreciating what’s already working in your life. The Journey is the Destination Enjoy the process, not just the finish line. Embrace change at any age—it’s okay not to have everything figured out. Give yourself the freedom to pivot, grow, and redefine success along the way. Other Links Mentioned in episode: Get your copy of my book: Your Journey To Financial Freedom! Join The  Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of

S1 E411 · Wed, January 29, 2025

The Hidden Cost of Over-Saving: When Saving Too Much Holds You Back

In this week’s episode of the Journey to Launch podcast, I’m exploring the concept of "over-saving" and its potential to hinder financial growth and life enjoyment. You’ll hear about my personal journey of saving, a habit deeply instilled in me by my family, and how it has enabled me to achieve significant milestones throughout my life. However, I also mention how an overemphasis on saving, driven by fear or outdated goals, can prevent you from taking risks, making investments, and enjoying your money. I encourage you to understand your “enough point”—the amount needed to sustain a comfortable lifestyle—and align your saving and spending habits with your evolving financial goals. In this episode, I share: The importance of balancing saving with spending, and how to reflect on whether your saving habits are holding you back from opportunities and personal growth.  The concept of the "enough point," the income and savings level needed to sustain a desired lifestyle, and how to align your financial goals with this benchmark. How to reframe viewing money as a tool to achieve financial goals, how to intentionally spend and invest in personal growth, happiness, and financial freedom. How to differentiate smart saving from over-saving and the need for intentional saving aligned with current goals and values + more! Other Links Mentioned in episode: Get your copy of my book: Your Journey To Financial Freedom! Join The  Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are

S1 E410 · Wed, January 22, 2025

The Emotional Side of Money & Healing Financial Trauma with Aja Evans

This week on the Journey to Launch Podcast, I am joined by Aja Evans, a licensed mental health counselor, financial therapist and author of Feel Good Finance . Aja discusses her financial awakening in her 20s, which led her to explore and merge her interests in mental health and financial well-being. She highlights the importance of addressing money-related emotions and breaking down barriers to achieve financial independence. We explore topics such as financial infidelity, the challenges of entrepreneurship, the role of cultural and generational influences in shaping financial behaviors plus much more. In this conversation, Aja shares: Her transition from general mental health counseling to focusing on the intersection of emotions and money.  Why resolving emotional patterns tied to money is key to making better financial decisions and building confidence. Practical advice on improving self-worth, creating healthy money habits, and fostering open communication about finances, especially in relationships and families.  Watch the video to this episode on YouTube . The Map Your Path to Financial Independence 6-Week Group Coaching Program is now open for enrollment! Are you ready to break free from the grind, build passive income streams, and take control of your financial future? This transformative program includes a 10-step course, live weekly group coaching, dedicated implementation weeks, and exclusive bonuses like a Budget course and FI Calculator + you can get a 45 min one on one coaching session with Jamila! Don’t miss your chance to rewrite your financial story and start living life on your terms. Enroll now by 1/26 and start your journey to financial freedom! Other Links Mentioned in episode: Get Aja's book, Feel Good Finance: Untangle Your Relationship with Money for Better Mental, Emotional, and Financial Well-Being   Get your copy of my book: Your Journey To Financial Freedom! Join The  Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp <

S1 E409 · Wed, January 15, 2025

The Hidden Barriers Between You & Financial Freedom w/ Jessica Moorhouse

In this episode of the Journey to Launch Podcast, I spoke to Jessica Moorhouse, a financial expert and author of Everything But Money: The Hidden Barriers Between You and Financial Freedom . Jessica discusses the emotional and psychological challenges that hinder financial progress, highlighting the impact of unresolved trauma and negative self-talk on financial behaviors. Drawing from personal experiences and innovative therapies like EMDR and Internal Family Systems, she shares insights on how to identify and address hidden barriers to success. Jessica also encourages listeners to pursue their passions with purpose while maintaining a balance between ambition and joy.  In this episode Jessica discusses:  Her unhealthy relationship with money, despite outward appearances How unhealthy friendships and being a middle child affected her leading to a negative self-perception and how it impacted her career trajectory. The different forms of therapy she tried, including EMDR and Internal Family Systems (IFS) and how it helped her reprocess trauma and heal different parts of herself.   The value of finding happiness in small moments and hobbies and how to enjoy the journey and not take everything too seriously.  Watch the video to this episode on YouTube here:  The Map Your Path to Financial Independence 6-Week Group Coaching Program is now open for enrollment! Are you ready to break free from the grind, build passive income streams, and take control of your financial future? This transformative program includes a 10-step course, live weekly group coaching, dedicated implementation weeks, and exclusive bonuses like a Budget course and FI Calculator. Don’t miss your chance to rewrite your financial story and start living life on your terms. Sign up by 1/17 and save $200 before the price goes up! Enroll now and start your journey to financial freedom! Other Links Mentioned in episode: Get Jessica's book, Everything But Money: The Hidden Barriers Between You & Financial Freedom Get your copy of my book: Your Journey To Financial Freedom! Join The  Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! <a href="http://journeytolaunch.com/secretbudgetbootcamp" target="_blank" rel="noopener"

S1 E408 · Wed, January 08, 2025

Frugality as a Superpower: Aligning Money with Your Values with Jen Smith & Jill Sirianni

This week on the Journey to Launch Podcast, I’m joined by Jen Smith and Jill Sirianni, co-hosts of the Frugal Friends podcast and authors of Buy What You Love Without Going Broke. We dive into the true meaning of frugality, breaking away from the common perception of it being about deprivation or cheapness. Instead, Jen and Jill frame frugality as intentional, value-driven spending that supports your goals and priorities. They share insights on understanding spending habits, using a 90-day transaction inventory to uncover patterns, and how dopamine fasting can reprogram spending behaviors. Tune in for practical tips and strategies to help you spend with purpose, align your money with what truly matters, and find joy on your path to financial freedom. In this episode you’ll learn:  That frugality is not about wanting less but wanting different and embracing the desire for big things in life. It’s about good stewardship of all resources. The need for flexibility and fluidity in spending decisions, especially during different life stages.  How a no spend challenge can be a way to pause non-essential spending and give the brain space to ask important questions about spending behaviors.  How to align spending with deeper values such as faith, family, friends, and fulfilling work. Other Links Mentioned in episode: Jen's previous episode on the Journey to Launch Podcast: How to Use Frugality and No Spend Challenges to Accelerate Your Money Journey + Side Hustle Tips w/ Jen Smith Get your copy of my book: Your Journey To Financial Freedom! Join The  Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the

S1 E407 · Wed, January 01, 2025

Building a Life of Purpose & Finding Meaning in Everyday Life w/ Jordan Grumet

This week on the Journey to Launch Podcast we have a returning guest, Jordan Grumet, a financial independence and wellness expert, discussing his new book, "The Purpose Code," which explores the concept of purpose in our lives. He differentiates between "little p" purpose, which is process-oriented and joyful, and "big P" purpose, which is goal-oriented and often stressful. Jordan emphasizes that true happiness and impact come from engaging in activities that bring joy, rather than striving for grand achievements. He also addresses the misconception that lack of time or money prevents one from finding purpose, suggesting that youth, energy, and community can be leveraged. Jordan advocates for building a life of purposeful activities, which in turn fosters deeper connections and long-term impact. In this episode, Jordan discusses: His transition from being a hospice doctor to focusing on understanding and helping others find their purpose. The difference between meaning and purpose and why purpose is a key ingredient of happiness. How to identify and build purpose anchors through methods like life reviews, subtraction, revisiting childhood joys, and experimenting with the spaghetti method.  Why parenting is a responsibility and it shouldn't be one's sole purpose + why focusing on one's own purpose sets a positive example for children & leads to generational growth. And more! Other Links Mentioned in episode: Jordan's previous episode on the Journey to Launch Podcast: Lessons About Living From the Dying and Finding Balance Between YOLO & Protecting Your Financial Future Get your copy of my book: Your Journey To Financial Freedom! Join The  Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! <a href="https://journeytolaunch.com/ynab" target="_

S1 E406 · Wed, December 25, 2024

Financial Independence is Within Your Reach - Chapter 1 From My Book “Your Journey To Financial Freedom”

This week on the Journey to Launch Podcast, I have a gift for you! I’m sharing the 1st chapter to my book, Your Journey to Financial Freedom . In this chapter I start off my book defining Financial Freedom and Independence and addressing the various financial independence approaches. I highlight the importance of setting financial goals, even if they seem unattainable initially, and the personal growth achieved through the pursuit of FI. Financial Independence doesn’t necessarily mean you need to quit working, instead it's about having options and control over your financial life.  In the first chapter of my book I share:  How to choose a path other than the basic personal finance and elite FIRE approaches and create your own financial path to Financial Freedom That financial independence is not about accumulating wealth but about the personal growth and skills gained along the journey. That the idea that retiring early is impossible or unrealistic is a common misconception. This decision is personal & can vary from person to person. Why you should view financial freedom as a form of control and peace of mind, even with any current financial constraints. Other Links Mentioned in episode: Get your copy of my book: Your Journey To Financial Freedom! Join The  Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your sta

S1 E405 · Thu, December 19, 2024

10 Life & Financial Lessons from Running My First Half Marathon in Jamaica

This week on the Journey to Launch Podcast, I am sharing my journey of running my first half marathon at the Reggae Marathon in Negril, Jamaica, drawing the parallels between the lessons learned from running and those from my financial freedom journey. This race aligned with the one-year anniversary of my book “ Your Journey to Financial Freedom” and had me reflect on the power of setting ambitious goals, embracing challenges, and finding joy in the journey. I also share the pleasure I had to be able to stay at two boutique, family-owned resorts—Rondel Village and Travelers Beach Resort, and being able to reunite with former podcast guests, Tiffany Grant and Tanya Taylor. Through the lessons drawn from the race, I talk about the importance of community, preparation, and maintaining an optimistic mindset, while celebrating serendipitous moments that reflect life’s magic.  In this episode I share:  The race details, waking up at 3:45 AM for the shuttle to the starting line, starting the race at 5:15 AM, shared moments with other runners & the thrill of crossing the finish line with a sense of accomplishment. How training for the race paralleled the financial independence journey since both require preparation, perseverance, incremental progress & community support Why you should avoid assumptions about others and comparing yourself to others, instead focus on your progress Serendipitous moments like reuniting with family and connecting with podcast listeners can remind us of life’s wonder and interconnectedness + more. Other Links Mentioned in episode: ReggaeMarathon.com Kinisha Correia from About Her Culture Resorts I stayed at: Rondel Village and Travellers Tanya Taylor's episode Tiffany Grant Episode Get your copy of my book: Your Journey To Financial Freedom! Join The  Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! <a href="http://journeytolaunch.com/secretbudgetbootcamp" target="_blank" re

S1 E404 · Wed, December 11, 2024

Entrepreneurship & Relocation: Building a Sustainable Lifestyle in Jamaica with Tiffany Grant

In this episode of the Journey to Launch podcast, I had an amazing conversation with Tiffany Grant, an accredited financial counselor and entrepreneur, about her journey to achieving financial freedom and her decision to relocate from the United States to Jamaica. Tiffany shares how she created a career in personal finance through her blog, podcast, and coaching business, Money Talk with Tiff and recounts the challenges of transitioning from corporate America to full-time entrepreneurship. Tiffany also dives into her life in Jamaica and talks about the cultural, educational, and healthcare differences compared to the U.S. She shares how her move was motivated by a desire for a simpler, more community-focused lifestyle and better opportunities for her children. Tiffany emphasizes the importance of financial preparedness, adaptability, and building a support system when making a significant life change. In this episode, Tiffany shares: The impact of becoming a teenage mother at 17, which motivated her to get serious about her finances and debt payoff, making it a goal to be debt free by 35.  The financial considerations of living in Jamaica, the importance of understanding the local culture, safety concerns and how she has built a support system, including friends who helped her navigate the new environment. The visa process for staying in Jamaica, the process for relocating and for obtaining citizenship by descent  Why anyone relocating to another country should think about how they can contribute to the local community and the need to know your financial numbers and understand the legal requirements for living in a new country. Other Links Mentioned in episode: See Jamayka site - https://seejamayka.com/ Article/episode with moving abroad tips - https://moneytalkwitht.com/podcast-show-notes/tips-for-moving-abroad/ Get your copy of my book: Your Journey To Financial Freedom! Join The  Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. <a href="http

S1 E403 · Wed, December 04, 2024

Protecting Love with Finances: How Prenups Strengthen Relationships w/ Aaron Thomas

This week on the Journey to Launch podcast, I’m joined by Aaron Thomas, a Harvard-educated family law expert and founder of Prenups.com. Aaron takes us through his journey from public defender to family law attorney and entrepreneur, highlighting the critical role of financial planning in marriage through prenups and postnups. These agreements help couples establish clear financial boundaries and expectations, reducing potential conflicts both during the marriage and in the event of a divorce. Aaron explains that every couple is already subject to a default "prenup" defined by state laws, but creating a personalized agreement allows couples to take control of their financial dynamics. He stresses that prenups aren’t just for the wealthy—they’re valuable tools for any couple looking to avoid common financial disputes and strengthen their relationship In this episode, Aaron shares: Aaron clarifies the difference between a prenup and a postnup and the benefits of creating a customized agreement. The emotional barriers people face when bringing up the topic of prenups with their partners and the need to frame the conversation in terms of financial protection rather than planning for divorce. How customized prenups can include unique clauses like counseling or annual meetings and the importance of adapting prenups to a couple's evolving life and finances. The value of prenups, emphasizing their cost-effectiveness compared to weddings, their role in avoiding costly divorces, and the importance of treating them as a serious financial investment. Other Links Mentioned in episode: Get a consultation at Prenups.com for $99 . You'll get a video, free ebook, and a half hour consultation with a premarital finance specialist to walk you through how a prenup might help in your situation. Get your copy of my book: Your Journey To Financial Freedom! Join The  Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail – Leave me a question on

S1 E402 · Wed, November 27, 2024

Redefining Happiness through Intentional and Sustainable Spending with Kara Perez

This week on the Journey to Launch Podcast, I’m joined by Kara Perez, founder of Bravely Go and author of Green Money. Kara shares her inspiring journey from paying off $65,000 in student loans to creating a financial education company. She emphasizes the impact of values-based budgeting and reducing waste as key strategies for building wealth. Kara also discusses how to use money as a force for positive change, including aligning your finances with ethical practices like switching banks, and introduces the concept of "financially secure YOLO," offering practical advice on balancing financial goals with enjoying life. In this episode Kara shares:  How to align your spending with personal values in a social media-driven world that may encourage overconsumption & strategies to resist unnecessary purchases. How individuals can contribute to environmental sustainability through financial choices, like moving money to ethical banks. Examples of collective financial solutions like babysitting co-ops and bartering services to reduce costs while fostering community connections. Her experience of maintaining separate bank accounts with her partner but scheduling regular money dates to ensure alignment on shared financial goals and upcoming expenses. Other Links Mentioned in episode: Check out Kara's book, "Green Money: How to Reduce Waste, Build Wealth, and Create a Better Future for All" Get your copy of my book: Your Journey To Financial Freedom now on sale for 50% off for a limited time! Join The  Weekly Newsletter List to get a sweet Black Friday deal on Friday, 11/29! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my <a hre

S1 E401 · Wed, November 20, 2024

A Candid Convo on Finding the Balance Between Enjoyment and Financial Discipline with my Sister, Imani Manning

This week on the podcast, I’m having a real talk with my sister, Imani, about her financial habits and goals. Imani started a Roth IRA back in 2020 and has seen it grow nicely, but she’s had trouble staying consistent with contributions—mainly because of concerns about accessibility and wanting to enjoy her money now (can you relate?) We dive into why opening a high-yield savings account, automating her Roth IRA contributions, and paying off her credit card in full each month are game changers. Imani gets the long-term benefits of these moves and is open to making changes, but she shares the challenges of balancing saving for the future with enjoying the present. Together, we talk through realistic strategies to overcome financial hesitations and why small, steady steps can lead to big wins when it comes to financial stability and growth. In this episode Imani shares:  Her excitement on seeing her initial investment double in her Roth IRA from 2020, and the importance of regular contributions and the value of patience and discipline in building long-term wealth. Her struggles with maintaining consistent contributions to her Roth IRA, fearing losing access to funds and prioritizing short-term gratification over long-term financial goal. How to balance enjoyment with financial responsibility, and the challenges of following a plan that will benefit us in the future. How she's seen successes from following my advice in the past and commits to implementing the suggested steps:  Open a high-yield savings account to earn more interest on her savings. Set up automatic monthly contributions to her Roth IRA, even starting with a small amount like $100–200. Pay off her credit card balance in full each month to avoid interest charges Other Links Mentioned in episode:   Episode 221- Achieving Financial Freedom as a Creative Entrepreneur & Learning to Invest: A Real Conversation with My Sisters Get your copy of my book: Your Journey To Financial Freedom Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here Join The  Weekly Newsletter List Leave me a voicemail – Leave

S1 E400 · Wed, November 13, 2024

Building Wealth Through Healing, Self Love and Breaking Cycles with Judy McCutcheon

In this episode of the Journey to Launch Podcast, I speak with Judy McCutcheon, a Caribbean human resources expert, who shares her inspiring life story. Judy grew up in Tobago with humble beginnings, raised by a single mother facing financial challenges. Despite a childhood marked by scarcity, she became the first in her family to attend university. Her journey through self-sabotage, overcoming poverty, and healing from emotional struggles transformed her perspective on self-worth and financial well-being.  In this episode, Judy shares:  Despite earning a good income as a consultant, she still struggled with financial discipline because of her mindset around money, influenced by her upbringing, leading her to spend rather than save and invest. How a pivotal moment in her journey was reading The Secret , which led her to deep self-reflection and building self-love. The challenges of self-reflection and the importance of addressing deep-seated beliefs about oneself. How her Disruptive Leadership Conference aims to provide practical insights and networking opportunities for leaders. & more! Other Links Mentioned in episode: Get your copy of my book: Your Journey To Financial Freedom Leave Your Journey To Financial Freedom a review! c Get The Budget Bootcamp Check out my personal website here Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here ! Connect with Judy: Disruptive Leadership Conference</

S1 E399 · Wed, November 06, 2024

Overcoming Obstacles as an Undocumented Immigrant and Reaching $1 Million Invested by 48 w/ Tanya Taylor

S1 E398 · Wed, October 30, 2024

Episode 398- My Financial Freedom Story and The Steps You Need to Take To Reach Your Dream Life

This week on the Journey to Launch Podcast, I’m reflecting on my own financial freedom journey so far and defining key concepts around financial independence. Not too long ago my growing family and demanding commute to my corporate job fueled my desire for a more flexible, fulfilling life. My husband and I saved and invested $169,000 in two years, I began my journey of entrepreneurship, wrote my book “Your Journey to Financial Freedom” and today I get to choose what I want to do with my time. I’m also reviewing my framework for achieving financial freedom, starting with calculating your financial independence number (the amount needed to live off investments without active work) and progressing through my "Journeyer Stages" from stabilizing finances to achieving full work flexibility or "financial independence." I’m encouraging you to embrace your journey towards financial independence and find fulfillment along the way.  In this episode I share: The challenges of balancing work and family, and how it started me on the path to financial freedom The components of the wealth formula and why you need to maximize your income and optimize expenses to achieve financial independence. The guac levels, which represent different spending habits and lifestyles & why it’s important to be honest with yourself about spending habits The importance of changing oneself and becoming the best version of you through the journey. Other Links Mentioned in episode: I Quit My Job: Why & How I Quit My 6-Figure Job & How This Affects My Journey To Financial Independence Get your copy of my book:  Your Journey To Financial Freedom Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by us

S1 E397 · Wed, October 23, 2024

How to Spend, Save & Find Joy Before and After Retirement w/ Christine Benz

This week on the Journey to Launch podcast, I am speaking to Christine Benz, Director of Personal Finance at Morningstar. Christine shares her insights on how to retire and addresses certain issues that come up during retirement such as safe spending rates and the under-spending problem. She advises early retirees to be flexible with withdrawals, highlights the importance of finding balance in retirement, such as community service and hobbies and stresses the value of micro joys and small daily activities that bring joy and purpose. In this episode Christine shares: Her entrepreneurial role within Morningstar, where she has freedom to build the personal finance vertical while enjoying the security of a paycheck. The importance of communication skills and building subject matter expertise which can lead to better career opportunities. How spending in retirement often fluctuates, why you should diversify income streams and advice on balancing tax-sheltered accounts and taxable savings for more flexibility in early retirement. Why you should live a fulfilling life now to avoid pent-up demand in retirement, the benefits of taking breaks and finding balance in life + more. Other Links Mentioned in episode: Lessons from a Laid-Back Summer: Family, Finances, and Future Plans Get your copy of my book: Your Journey To Financial Freedom Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free asse

S1 E396 · Wed, October 16, 2024

Visible Wealth vs Invisible Wealth & Redefining What it Means To Be Rich

In this week’s solo episode of the Journey to Launch Podcast, I explore the concept of wealth and what it means to be truly rich. While wealth is often defined by an abundance of money or material possessions, I discuss the distinction between "visible wealth" (like possessions) and "invisible wealth" (such as financial security, time freedom, and health). I also emphasize the importance of avoiding comparisons to others, especially in affluent environments, and instead focusing on your own financial journey.   In this episode I share:  How exploring middle school options for my oldest son has me questioning the true value of wealth and financial freedom  Why you should reflect on how you view wealth and financial freedom in your own life. How different people may perceive wealth and how it can lead to misperceptions about one's financial status. Why it’s crucial to appreciate the wealth you already have, without seeking external validation. How to find value in the invisible wealth that people cannot see, such as being healthy, having strong relationships, having savings, and being able to pay bills on time. The importance of being honest with oneself about why one makes certain financial decisions + more. Other Links Mentioned in episode: Get your copy of my book: Your Journey To Financial Freedom Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curate

S1 E395 · Wed, October 09, 2024

How This Nurse Earns $230K Salary While Balancing Motherhood & Entrepreneurship

This week on the Journey to Launch Podcast, I’m joined by Naseema McElroy, a nurse, financial expert, and founder of Financially Intentional. Naseema, who has been a guest before, previously shared her inspiring journey from single motherhood to paying off $300,000 in debt, ultimately eliminating $1 million in total debt, and achieving millionaire status while working as a nurse. In this episode, she talks about earning over $230,000 a year as a labor and delivery nurse in the San Francisco Bay Area. Naseema also dives into financial independence, mindset shifts, and how she balances her career, business, and personal life. Tune in to hear her perspective on how financial independence isn’t just about wealth—it’s about the freedom to live life on your own terms. In this episode, you’ll learn:  Naseema's strategy of paying herself first and avoiding lifestyle inflation. Balancing her passion for nursing with running a business and raising three children. About the income potential in the nursing profession and advice for aspiring nurses Why you should set up financial accounts for children, including 529 plans, Roth IRAs, and brokerage accounts, and how to instill financial literacy and wealth-building habits from an early age.  And more! Other Links Mentioned in episode: How Single Mom Naseema Went From Broke To Paying Off $300,000 in Debt Paying Off $1 Million Dollars of Debt With “The Debt Slayer” Naseema McElroy  Get your copy of my book: Your Journey To Financial Freedom Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dre

S1 E394 · Wed, October 02, 2024

Building Wealth and Fulfillment through Continuous Learning with Scott Young

This week on the podcast, we speak to Scott H. Young, the Wall Street Journal bestselling author of Ultralearning, podcast host, computer programmer, and avid reader. Scott discusses the importance of continuous learning and personal growth, focusing on how learning new skills can lead to personal fulfillment and financial success. He shares insights on managing anxiety through exposure therapy and the significance of self-directed learning. He also discusses the balance between personal and public learning, the evolving landscape of online entrepreneurship and much more.  In this episode, you’ll learn:  about the value of observing successful people and learning from their strategies to apply in your own journey. why passion should drive the pursuit of new skills, making learning more enjoyable and fulfilling. how practice and real-world application differ and how both are needed for mastery, especially in high-pressure environments. how learning and doing new things help people build confidence, encouraging them to take on more challenges + more Other Links Mentioned in episode: Self Education and Ultralearning as a Means to Reach Your Financial Goals & More with Scott Young Get your copy of my book: Your Journey To Financial Freedom Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out <a hre

S1 E393 · Wed, September 25, 2024

Your Money Playbook For Winning in Life and Finances with NFL Veteran Brandon Copeland

This week on the podcast, we chat with returning guest, Brandon Copeland, a 10-year NFL veteran and CEO of Athletes for College Athletes, who discusses his new book "Your Money Playbook".  In this conversation, Brandon emphasizes the importance of financial hustle, smart spending, and legacy planning. He shares his early NFL experiences, highlighting the necessity of saving plus stresses the significance of financial education and having a support system.  In this episode Brandon discusses:  The concept of the "art of the hustle" in his book, emphasizing the importance of earning and creating a life you want. His early NFL career and the financial challenges he faced, including the impact of taxes and deductions on his paychecks.  The importance of having a financial team and a support system to hold each other accountable.  Leaving a legacy beyond just money, including values and financial literacy plus more  Other Links Mentioned in episode: Get your copy of Brandon's book at YourMoneyPlaybook.com Building Multiple Streams Of Income, Diversifying Your Passions, And Knowing Your Why With NFL Player Brandon Copeland Get your copy of my book: Your Journey To Financial Freedom Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability

S1 E392 · Wed, September 18, 2024

Lessons from a Laid-Back Summer: Family, Finances, and Future Plans

This week, I’m bringing you a long overdue solo episode, catching you up on what's been happening in my life and business lately. I talk about our decision to skip summer camp for the kids this year, allowing us to spend more quality time together as a family while I took a break from work. I also reflect on how I'm managing the business at a slower pace, thanks to relying on savings and the importance of planning for fluctuating income. Plus, I share my journey of preparing for my first half marathon, the Reggae Marathon in Jamaica this December (which also coincides with the 1 year anniversary of my book release, " Your Journey To Financial Freedom ", along with some other exciting projects on the horizon! In This Episode I Share: Why we opted out of summer camp, how I prepared the business in order to be free from work, & the importance of having help in order to be able to relax and recharge. Why you should save and invest to ensure financial stability during slow business months and how having that solid financial foundation brings you confidence during challenging times. The importance of having a positive mindset and looking for opportunities and lessons in everyday experiences. The Well Read Black Girl Book Festival in October and my new community project, Freedom Quest which is in beta and aims to support people on their journey to financial independence! Other Links Mentioned in episode: The Reggae Marathon The Well Read Black Girl Book Festival Get your copy of my book: Your Journey To Financial Freedom Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my <

S1 E391 · Wed, September 11, 2024

How to Balance Life, Health & Wealth with Stage 4 Cancer Survivor, Esther Hyun

This week on the Journey to Launch Podcast, I have a powerful conversation with Esther Hyun, a stage four colorectal cancer survivor and lawyer, who opens up about her journey to financial independence. Esther highlights the need to balance financial goals with personal well-being, while stressing the importance of preventative health care. She also discusses the financial challenges of navigating cancer treatment, such as unexpected out-of-network medical bills, and underscores the value of life insurance, estate planning, and much more. In this episode, we discuss:  Esther’s financial foundations which allowed her to be debt-free except for student loans and how she contributes to HSAs and 401(k)s to build wealth Esther’s experience of being diagnosed with colorectal cancer at 36, the financial impact it had on her, and the importance of having a plan in place for unexpected events. Life insurance, estate planning, and balancing financial independence with enjoying life in the present. Other Links Mentioned in episode: All About The Health Savings Account (HSA) -The Ultimate Retirement and Investment Account w/ Jackie Koski Get your copy of my book: Your Journey To Financial Freedom Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your sta

S1 E390 · Wed, September 04, 2024

Breaking the Burnout Cycle & Finding Balance in Work and Life w/ Amina AlTai

This week on the Journey to Launch Podcast, Amina AlTai, a holistic business and career coach, discusses her journey from burnout to wellness. She shares her experience of nearly dying from organ failure due to overwork and stress & emphasizes the importance of setting boundaries, practicing self-care, and advocating for oneself. She advises listeners to identify and address tolerations, practice micro habits for well-being, seek support from allies + much more.  In this episode, you’ll learn: About the concept of microdosing joy and the importance of inviting joy into every moment, even in challenging situations. How Amina set boundaries and created a work-life balance while still working in her traditional job. About the wage gap and the importance of advocating for pay equity within organizations. Of the value of micro habits and small actions that can lead to significant improvements in one's life. Other Links Mentioned in episode: Get your copy of my book: Your Journey To Financial Freedom Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here ! Connect with Amina: Website: AminaAlTai.com Instagram:@AminaAlTai </li

S1 E389 · Wed, August 28, 2024

How Cassandra Increased Her Income by $10k & Improved Her Money Mindset REWIND

Cassandra Henry is a Journeyer from Bronx, New York, who is paying off debt and investing in herself. Cassandra is a first generation Dominican American and at 25 years old she was her family’s breadwinner. As a result, she quickly learned the importance of taking control of her finances and her debt. Cassandra shares how she eliminated credit card debt and boosted her income with side hustles. In this episode, you'll learn:  How Cassandra started following a financial minimalist approach which helped her pay off her credit card debt How changing her mindset was key to tackling debt and improving her financial situation. Why Cassandra encourages others to educate themselves, invest in personal development, and seek out communities or resources that support financial growth. Other Links Mentioned in episode: Get your copy of my book: Your Journey To Financial Freedom Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here ! <div class=

S1 E388 · Wed, August 21, 2024

How To Change Overthinking From A Super Problem To A Superpower With Jon Acuff REWIND

Jon Acuff, New York Times bestselling author of seven books including his latest, “Soundtracks: The Surprising Solution to Overthinking,” and INC Magazine Top 100 Leadership speaker, joins the podcast to discuss how overthinking affects the results we have in life and how to rewire our thoughts so that we can make progress towards our goals.  We all have the ability to change our unhealthy patterns of overthinking from a super problem to a superpower. We just need a little help along the way. If you’re ready to unlearn and reprogram your thoughts, listen to this episode! In this episode we share: How what we tell ourselves + what we think leads to our emotions and actions Why most people over-focus on their actions, and never change the underlying results Actionable steps to take to rewire our brains to be more positive The power of aligned thinking with aligned action + more Other Links Mentioned in episode: Get your copy of my book: Your Journey To Financial Freedom Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here ! <div c

S1 E387 · Wed, August 14, 2024

Retiring at 30yrs Old & Living A Full Life On $20k A Year W/ Purple

If you didn’t have to work again for money, what would you really do with your time? We often hear about retiring early in the context of someone quitting their corporate job to work on their own business. But what if you truly didn’t have to work and could really live your life on your own terms?  On this episode of the Journey To Launch Podcast, we have a returning guest, Purple who shares her life after early retirement.  Purple retired from corporate America with a portfolio of $500k+ at the young age of 30 right before the 2020 pandemic. She explains what she does with her time now that she is no longer working, how she strives to live an intentional, purpose driven life, and how the pandemic was a catalyst for exiting the work-force. In this episode, we discuss: How fear during the pandemic pushed Purple to retire early Realistically living off of $20,000 + what that lifestyle looks like The nomad lifestyle + how it saves Purple money Strategies for withdrawing money, what a Roth Conversion ladder is, + more Other Links Mentioned in episode: journeytolaunch.com/episode126  Get your copy of my book: Your Journey To Financial Freedom Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here ! Connect with Purple: Website </

S1 E386 · Wed, August 07, 2024

How Norly Jean-Charles Found Financial Independence, Saved Half Her Income & Bought Her Mom A Home

This episode is sponsored by  Fortress Debt . Get a free personalized debt playoff plan by clicking  here. Norly Jean-Charles, attorney, financial independence follower, and Journeyer, joins the podcast to discuss her path from  Haitain immigrant in Brooklyn to Penn Law Graduate. We chat about how her roots shaped her money narrative, why the strong women in her life are cornerstones to her success, and how she has kept her financial goals in the forefront of her life.  In this episode we discuss: Negotiating rent, being strategic with student loan debt, + living below your means The importance of exploring educational and career-based programs and resources How Haitain culture and her immigration experience shaped her money narrative How she went from a Columbia University Anthropology BA to University of Pennsylvania Law School Buying her mother’s first home in Florida during the pandemic  How Norly networked her way to a six-figure career as a lawyer + more Other Links Mentioned in episode: Check out Fortress, a revolutionary AI tool designed to guide you out of debt swiftly and effectively by going to journeytolaunch.com/fortress https://www.prepforprep.org   https://www.abetterchance.org   https://oliverscholars.org   https://www.prepforprep.org/admissions/prep-9-7th-grade/the-boarding-school-experience   https://www.teachforamerica.org https://www.instagram.com/personalfinanceclub/ Check out my new personal website  here. Get your copy of my book: Your Journey To Financial Freedom Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website <a href="https://jamilasouffrant.com" target= "

S1 E385 · Wed, July 31, 2024

Retiring Early, Paying Off The Mortgage, & Having Space To Focus On Joy With Journeyer Leilani Reed-Logan

This episode is sponsored by Fortress Debt . Get a free personalized debt playoff plan by clicking here. Leilani Reed-Logan, Journeyer and financial independence (FI) enthusiast, joins the podcast to discuss how Journey To Launch changed her life and why she is choosing happiness above all else, thanks to her newfound financial freedom at age 45. We talk about why Leilani decided to set out on the path to FI, despite being “older,” the lessons she learned from listening to this podcast, and how COVID became the catalyst for her to walk away from corporate America forever. In this episode we discuss: Why Leilani stepped away from a $200,000 per year salary job  Choosing what sparks joy in your life over everything else The ways financial independence changed Leilani’s life  Steps Leilani took to pay off her mortgage early How you can increase your career income + more  Other Links Mentioned in episode: https://www.journeytolaunch.com/episode141 https://www.journeytolaunch.com/episode40 Get your copy of my book: Your Journey To Financial Freedom Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a

S1 E384 · Wed, July 24, 2024

Love & Money: How They Got On The Same Page To Pay Off $32,000 Of Debt W/ LeDo & Shameka McDowell REWIND

In this rewind episode, LeDo and Shameka McDowell talk about their relationship and how they paid off $32,000 in debt and built $100,000 in net worth. Once they got on the same financial page, they were unstoppable.  LeDo and Shameka are creators of the podcast  The Marital Mission , a podcast about married life for young couples. They share with us an honest conversation about how to get your partner on board with your financial goals, the struggles that come with becoming debt-free, how to have the money talk with your partner, and more. In this episode, you will learn: Practical ways to get on the same financial page with your partner How to cut your expenses and reach your financial goals The importance of putting communication first The difference between the avalanche and the debt snowball debt payoff methods and more Other Links Mentioned in episode: If you liked this episode you might also like  A Money Chat With My Husband + The Budget Boot Camp . In this episode, my husband and I talk about my crazy money goals and his relationship with money. Get your copy of my book: Your Journey To Financial Freedom Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp for FREE Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here ! Connect with LeDo & Shameka: Website: T

S1 E383 · Wed, July 17, 2024

How Tracy Paid Off $170K Of Debt, Why We Need More Queer Voices In The FIRE Movement & Being Open About Privilege REWIND

Once blogger Tracy Levesque released her article titled, “What I learned from binge-listening to the entire Journey to Launch podcast,” I knew that I had to have her on as a guest. She joins us after paying off $170k worth of debt and jumping on the financial independence, retire early movement. We chat about the growth mindset her mom passed down to her, her entrepreneurship journey, how true wealth is providing education, curiosity, and the understanding of the value of experiences over material possessions, and why we need to have more LGBTQIA+ voices in the FIRE community. In this episode, we discuss: What sparked Tracy’s curiosity about the FIRE movement (Financial Independence, Retire Early) Building a business without a roadmap, hustling as an entrepreneur in the computer world + getting into real estate  The steps Tracy and her wife took to pay off $170,000 of debt in 10 years using the debt avalanche method + zero-balance transfers  Blind spots in the FIRE movement, using privilege for good + the call for more queer voices in the personal finance space How Tracy’s mom taught herself about the stock market and became a successful investor + more Other Links Mentioned in episode: Read Tracy’s Blog Post: “What I learned from Binge Listening to the Entire Journey to Launch Podcast   Suze Orman’s 9 Steps to Financial Freedom   Do You Love it or Just Want It- How to Stop Stress Spending Get Good with Money by Tiffany Aliche Financial Freedom with Jamila Souffrant on the Frugal Living Podcast   How Tracy and her wife paid off $170000 of debt in 10-years Your Money Or Your Life: Transform Your Relationship With Money & Achieve Financial Independence W/ Vicki Robin Retiring At 30yrs Old & Living A Full Life On $20k A Year W/ Purple A

S1 E382 · Wed, July 10, 2024

How Ariana Paid Off $68K Of Credit Card Debt, Quit Her Job & Found A Budgeting System That Worked REWIND

This week we are rewinding to Ariana Rodriguez's episode, who joined the Journey To Launch podcast to talk about her experience on the Netflix documentary, “Get Smart With Money” and how she was able to turn her finances around. We chat about how she used her skills to begin a side hustle, that eventually allowed her to quit her job, the power of forgiving yourself of past money mistakes, automating your money and more. In this episode, we discuss: The internal struggle and mindset that plays a role in the cycle of debt and debt repayment How Ariana pivoted from an education career to tech project management in order to increase her income  Leveraging skills for side hustles to speed up the debt payment process What the “should lifestyle” is and why it keeps people stuck in the debt system Why financial freedom is possible and attainable at any level + more Other Links Mentioned in episode: From Side Hustle To Million Dollar Virtual Assistant Business With Tasha Booth Get your copy of my book: Your Journey To Financial Freedom Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp for FREE Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here ! Connect with Ariana: Website: ArianaRodriguez.co Instagram:@ArianaRodrigu

S1 E381 · Wed, July 03, 2024

Life After Becoming Debt Free With Josie Espinoza REWIND

This week, we are rewinding to Journeyer, Josie Espinoza’s episode who shares her debt free story. She was the first in her family to go to college, but then found herself in $50K of debt which included student loans, credit cards, and auto loan debt. She discovered a passion for financial freedom and independence; and through listening to podcasts, she was able to learn what was needed to become debt free. Once debt free, Josie and her husband became focused on financial planning, saving, and securing their family’s future.    In this episode, Josie shares: Her story coming from Mexico at the age 8, helping her parents on the farm and being the youngest of 9 and the first one to get a college degree How the money mindset, “Money is made to be spent” led her to accumulate $50K of debt and how 3 weeks without money was her rock bottom How she was able to resign from her job that was affecting her mental health  Why she feels that anyone can change their finances with a little effort & more Other Links Mentioned in episode: Get your copy of my book: Your Journey To Financial Freedom Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp for FREE Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here !

S1 E380 · Wed, June 26, 2024

From Living Paycheck To Paycheck To Paying Off Debt & Financially Thriving With Veronique REWIND

This week we are rewinding to a conversation I had with Veronique Graves, a fellow Journeyer and former member of my past community the Money Launch Club. Veronique is a self employed sign language interpreter who is on her way to financial freedom. After becoming a member of the Money Launch Club, she went from living paycheck to paycheck to paying off debt, saving, and investing.  Veronique advises those on their financial journey to be patient, set specific goals, and surround themselves with financially savvy individuals. Her motivation for financial independence stems from her desire for life flexibility and the ability to help others, inspired by how her family supported her financially in the past. In this episode, Veronique shares:  How working as a freelance contractor requires careful financial planning due to the irregular nature of her income​​. How she successfully managed to save enough to avoid living paycheck to paycheck and how she is paying off her credit card debt The significance of celebrating small wins and staying motivated by recognizing progress over time​​ + much more. Other Links Mentioned in episode: Check out the book that helped Veronique on her journey, Get Money  by Kristin Wong. Get your copy of my book: Your Journey To Financial Freedom Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp for FREE Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending

S1 E379 · Wed, June 19, 2024

How the Income-Driven Repayment Waiver Can Help Student Loan Borrowers Get Closer to Forgiveness w/ Lauryn Williams

This week on the Journey to Launch Podcast, I am sharing a conversation I had on IG Live with Lauryn Williams from Student Loan Planner . Lauryn provides crucial information for student loan borrowers about the Biden administration's Income-Driven Repayment (IDR) waiver for federal student loans, which can significantly impact loan forgiveness eligibility. The steps to take include: understand your loan type, consider consolidation, and take timely action before June 30, 2024 which is the deadline to maximize benefits.  In this episode, Lauryn shares:  What is the IDR Waiver and how it can help student loan borrowers get closer to forgiveness Why borrowers with Federal Family Education Loan (FFEL) loans or those with multiple loan types should consider consolidation to benefit from the IDR waiver. Where to go to see your loans and determine your next steps  How to stay informed about your loans and any future opportunities for forgiveness or adjustment if you miss the deadline + more. Other Links Mentioned in episode: How to Qualify for the IDR Waiver Student Loan Planner www.StudentAid.gov    Get your copy of my book: Your Journey To Financial Freedom Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp for FREE Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with th

S1 E378 · Wed, June 12, 2024

The Creative Process, Balancing Business + Family & Overcoming Doubts w/ my Writing Coach Amanda Bauch- Part 2

This week on the Journey to Launch Podcast, I'm featuring the second part of my discussion with Amanda Bauch, my book coach In this episode, Amanda interviews me about the experience of writing “Your Journey to Financial Freedom” — from its initial conception and the creative process to how it feels six months after its release. We also delve into the book's reception, its impact on readers, and explore the possibility of a second book and what I would do differently.  In this episode, we discuss: The timeline and steps involved in creating the book, from the initial proposal to the eventual publication. The struggles with doubts about the book's structure and organization & the challenges of writing while also running a business and raising 3 small kids What I learned during the process and how I would approach it differently in the future. The importance of investing in professional help & having a support system including family, friends, and professionals in the publishing industry + much more Other Links Mentioned in episode: Get your copy of my book: Your Journey To Financial Freedom Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp for FREE Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here ! Connect with Amanda: <a href="https://www.AmandaBauch.com" target="_blank" rel= "noopen

S1 E377 · Wed, June 05, 2024

The Journey of Writing and Publishing my First Book w/ My Writing Coach Amanda Bauch (Part 1)

This week on the Journey to Launch Podcast, I’m speaking with my book, Your Journey to Financial Freedom’s coach and editor, Amanda C. Bauch. Our relationship has spanned over two years in bringing the book to life. On this 6 month anniversary of my book being out in the world, I am bringing you this conversation to provide a comprehensive look at the behind-the-scenes work involved in writing and publishing a book, plus Amanda’s experience as a freelancer and working for a big publishing house. Amanda is a writer, editor, and teacher who delights in helping authors share their ideas with the world. Whether ghostwriting, collaborating, editing, or coaching, she strives to provide whatever guidance and encouragement authors need along the way.  In this episode, Amanda shares: Her history and passion for writing & editing, which started from a young age and her experience working at a big five publisher, discussing challenges and opportunities.  The lengthy process of book publishing, highlighting the time and effort required from inception to publication. Why she left HarperCollins to return to freelancing and how she created a work life balance Traditional publishing vs self publishing and what is the new publishing modality; hybrid publishing + much more! This episode is the first part of a two part conversation I had with Amanda. In next week’s episode we will cover more about my book, Your Journey to Financial Freedom and how Amanda helped me with the creative and writing process + more behind the scenes.   Other Links Mentioned in episode: Get your copy of my book: Your Journey To Financial Freedom Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp for FREE Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budge

S1 E376 · Wed, May 29, 2024

Q&A Episode: Rebuilding After Divorce; Getting Your Partner Onboard & Financially Preparing for a Baby + More

In this Q&A episode, I am answering questions submitted from listeners of the podcast, on topics including; how to reenter the workforce after 18 years of being a stay at home mom, is getting a CFEI certification a good idea & how to get your partner on board with your financial freedom dreams. I also discuss the importance of networking, building connections and giving yourself grace on your journey + much more.  In This Episode You’ll Learn:  Tips on how to network and promote your small business  Is a CFEI certification beneficial & what are some various paths to becoming a personal finance educator Why high yield savings account are a good option to hold emergency savings or long-term goals savings How to get your partner to join you on your financial independence journey + financial planning for new parents, including emergency funds and health insurance. Timestamps: 3:00-7:20: Using the search function on the Journey to Launch website to find relevant episodes 7:20-14:20: Jamila gives advice to a listener who is a newly divorced mother of five, who owns an ice cream & candy shop and is re-entering the workforce at age 53 after 18 years as a stay-at-home mom.  14:20-24:00 Jamila answers a listener’s question regarding obtaining the CFEI certification and if she found it beneficial and would recommend it.   24:00-30:50: Should you put a $5,000 emergency fund in a money market account or a high-yield savings account.  32:00-42:35: How to persuade your husband to get on board with your financial plans. 42:35- 50:54: Tips on financially preparing for a baby  Other Links Mentioned in episode: FinancialEducatorsCouncil.org Get your copy of my book: Your Journey To Financial Freedom Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp for FREE Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Sta

S1 E375 · Wed, May 22, 2024

Life Planning for Fulfillment Beyond Finances & 3 Questions To Help You Live a Meaningful Life w/ George Kinder

George Kinder is an author, international thought leader, and founder of Kinder Institute of Life Planning with more than 35 years of experience as a financial planner and tax advisor. George is dedicated to guiding individuals in uncovering their deepest values and leading more fulfilling lives. His ultimate aim is to promote greater freedom in every aspect of existence. In this conversation we discuss:  The importance of living in the present moment and mastering one's life. George’s three questions to help identify goals and priorities and how the answer to the "having 24 hrs left" question helps you realize what you’ve missed in life.  The balance between short-term pleasure and long-term financial planning.  How to find a trust-worthy financial planner who will help with your life plan George’s approach to parenting is being a good listener & showing empathy, rather than being overly restrictive or reactive + more! Other Links Mentioned in episode: George's book, " The Three Domains of Freedom" will be available late Spring 2024! Get your copy of my book:  Your Journey To Financial Freedom Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp for FREE Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here ! Connect with George:

S1 E374 · Wed, May 15, 2024

From $300K in Debt to $1 Million in Investments w/ Bernadette Joy Cruz Maulion

Bernadette Joy Cruz Maulion is a first-gen Filipina-American joins the Journey To Launch podcast to share how she paid off $300,000 of debt in three years and invested her first $1 million in her 30s. Today, Bernadette works only 20 hours a week in order to focus her financial freedom on joy: K-Pop, yoga, karaoke and spoiling her nieces and nephews as their traveling rich auntie. She understands those who feel like they missed the money memo, and is dedicated to educating others on financial topics with strategies in a way so simple anyone can understand it. In this episode Bernadette shares:  Her experiences growing up in New York City as an immigrant child of Asian descent, emphasizing the pressure to excel academically and socially. How she had to make tough choices, such as saying no to friends' events and being honest about what she could afford, to achieve financial freedom. Why she and her husband sold their paid-off home and chose to rent instead Where she invests her money from real estate sales and rental income including high-yield savings, CDs, treasury bills 401k, IRAs, and real estate investment trusts.  The importance of being present in life's moments and embracing authenticity in both personal and professional aspects + more! Other Links Mentioned in episode: Get your copy of my book: Your Journey To Financial Freedom Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp for FREE Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated li

S1 E373 · Wed, May 08, 2024

Overcoming Poverty, Divorce, and Achieving FIRE with an Over $1 Million Portfolio w/ Jackie Cummings Koski

This week on the Journey to Launch Podcast, we have Jackie Cummings Koski, author of the award winning book “Money Letters 2 my Daughter” and her new book, “F.I.R.E. for Dummies”. Jackie overcame poverty, divorce and single motherhood and despite having a late start and making less than six figures, she reached Financial Independence and Retire Early (FIRE) at age 49 in 2019 when she officially retired from her corporate job with a net worth of over $1 million. Jackie shares with us the importance of mindset and reframing attitudes towards money, strategies for managing retirement finances, & how you too can reach financial freedom even if you are starting later in life .  In This Episode you’ll learn:  How Jackie used the 25x rule to get her FI number, and what financial habits helped her reach FI in 10 years, despite being in a difficult financial situation after her divorce.  How shifting your mindset from saving for retirement to investing for financial independence, can make it exciting to save and invest. Why she initially struggled with the emotional aspect of withdrawing money from her investment accounts in early retirement, and how her net worth increased to 2.8 million by 2024, even after making withdrawals  Example of retirement planning strategies for early retirees, including Social Security benefits and tax-free withdrawals  How Jackie’s daughter has been her biggest cheerleader and how her views on work and retirement differ from Jackie’s as she is part of a different generation, Gen Z.  Watch the video to this episode on YouTube by going to https://youtu.be/JARjqHD1r0s  Other Links Mentioned in episode: Jackie’s first episode All About The Health Savings Account (HSA) -The Ultimate Retirement And Investment Account W/ Jackie Koski Jackie’s previous episode: How To Thrive in the Current Financial Market Turmoil & Better Position Yourself Financially with Jackie Cummings Koski Get a copy of Jackie's book: F.I.R.E for Dummies Get your copy of my book: Your Journey To Financial Freedom Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp for FREE Check out my personal website here. Join The  Weekly Newsletter List <a href="https://www.journeyt

S1 E372 · Wed, May 01, 2024

Financial Autonomy, Safeguarding Assets in Toxic Relationships & Ethical Considerations for Achieving FI w/ Jannese Torres

Jannese Torres, Latina money educator, and author of the new book Financially Lit , joins us on the Journey to Launch Podcast to talk to us about her success in entrepreneurship and reaching her financial independence goals.  Jannese highlights the significance of financial autonomy and safeguarding assets in unhealthy relationships. She shares with us her own experience with postnuptial agreements, the benefits of maintaining separate finances, why we need to normalize discussions on prenups and toxic relationships & much more.   In This Episode We Discuss:  The financial implications of divorce, including the potential loss of assets and the need for a prenup or postnup  Jannese’s personal experience with buying a house, highlighting the importance of aligning financial decisions with personal values. The issue of wealthy outsiders taking advantage of Puerto Rico's tax breaks while native Puerto Ricans are left behind. The importance of uncovering internalized money stories and recognizing emotions that may be triggering financial fears and beliefs.   & much more! Timestamps: 0:00-12:01 : Jannese reflects on her own experience with divorce, discussing the financial implications and the significance of having a postnuptial agreement.  12:01-17:41: Recognizing unhealthy dynamics and the importance of having a supportive network during challenging transitions. 17:41-20:15: Jannese’s experiences with homeownership, highlighting the shift from a transactional mindset to values-based spending. 20:15-28:54: The complex dynamics of moving to places like Puerto Rico for tax benefits and the ethical considerations involved. 30:44- 35:40- The concept of privilege within wealth accumulation, advocating for transparency and recognition of the support received and the responsibility to uplift future generations.  35:40- 39:19: The importance of addressing money trauma and uncovering internalized money stories to understand one's mindset about wealth. 39:19-42:45: Jannese shares she feels content with her current lifestyle, which allows her to work on projects she's passionate about, have the flexibility to travel, and define her own schedule.  Watch the video to this episode on YouTube here: Other Links Mentioned in episode: Listen to Jannese's first interview on the Journey to Launch Podcast, Using Side Hustles To Earn An Additional $100,000 A Year And Paying Off $39,000 Of Debt With Jannese Torres-Rodriguez <a href="https://yourjourneytofinancialfreedom.com

S1 E371 · Wed, April 24, 2024

Following Your Passions & Navigating Airbnb Success by Building Unique Homes w/ Whitney Hansen

After paying off $30,000 of debt in 10 months, paying only $472 for her MBA, and buying her first home at 19, Whitney Hansen discovered her love for teaching others how to get better with their money. She travels frequently, teaches college students about personal finance as an Adjunct Professor, and tests side hustles for fun.  Whitney’s most recent side hustle includes unconventional real estate investments of building a geodesic dome and a flower pot Airbnb. We chat about the creative approaches to finding and developing unique properties, as well as the financial aspects of these projects and how to navigate the Airbnb business successfully.  In this episode you will learn: Why personal finances must be in order before investing in real estate The importance of understanding local regulations, seeking professional help, and creating accurate cost estimates during the planning phase. The need to consider multiple revenue streams when investing in short-term rentals Why property owners should manage their own properties rather than use property managers and much more! Check out photos of Whitney's Cascade Dome and Idaho Flower Pot Airbnb at https://journeytolaunch.com/episode371 Other Links Mentioned in episode: AirDNA.co Listen to Whitney's first interview on the Journey to Launch Podcast, How To Become A Money Nerd With Whitney Hansen, here . Get your copy of my book: Your Journey To Financial Freedom Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp for FREE Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my <a href="https://

S1 E370 · Wed, April 17, 2024

Paying Off $102K of Student Loans & Buying a House in NYC on a Teacher’s Salary w/ Melissa Jean-Baptiste

Melissa Jean-Baptiste, financial educator and author of "So This Is Why I'm Broke” is a first-generation Haitian American and former NYC high school teacher. Melissa joins us this week to recount her journey of paying off $102,000 in student loans and buying her first home, all on a teacher's salary. As the founder of Millennial In Debt, she creates a shame-free digital platform dedicated to helping Millennials and Gen Z restructure their relationships with money, obtain financial freedom, build generational wealth and become future millionaires.  In this episode, we discuss:  How Melissa’s student loans grew from graduating with $50K owed to $80K in 3 years due to an interest-only payment plan she didn't fully understand and how she successfully paid it all off in 2018 through selling her teaching lesson plans as a side hustle.  Her venture into homeownership and the challenges encountered during the home buying process. Melissa underlines the importance of obtaining an independent home inspection alongside the bank's appraisal. How she transitioned from teaching to dedicating herself entirely to content creation and entrepreneurship within her "zone of genius". The significance of having a supportive community, both online and offline, to navigate significant life and career transitions effectively + much more! Other Links Mentioned in episode: Get your copy of my book: Your Journey To Financial Freedom Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp for FREE Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find o

S1 E369 · Wed, April 10, 2024

Setting Financial Boundaries with Family & Maintaining Healthy Relationships w/ Gigi Gonzalez

Back on the podcast this week is Giovanna "Gigi" Gonzalez, financial educator, influencer, founder of The First Gen Mentor, and author of Cultura & Cash . Gigi discusses how to set financial boundaries with family as a first generation immigrant using her Quiero y Puedo framework which stands for "I want, I can'' in Spanish, by first asking yourself if you truly want to provide financial support and if you actually have the financial ability to help. GiGi shares examples of how she has set financial boundaries with her family and emphasizes being comfortable saying "no" to requests, even if it means being seen as the "black sheep.”  In this episode you will learn:  How you can set financial boundaries with family but still be supportive in other ways How to manage different financial priorities with a spouse such as turning to couples counseling to understand each other’s “why” around money.  Why gifting money you can afford is best rather than loaning money to a family member to avoid straining relationships if money isn’t repaid Tips if you’re wanting to write a book or launch a big project + much more! Enter for your chance to win a copy of Cultura and Cash by Giovanna Gonzalez . The giveaway will be open from April 10th 2024- April 15th 2024. Three winners will be announced on April 16th! (must be 18+ & a US resident to enter). Go to journeytolaunch.com/win to enter. Other Links Mentioned in episode: Check out Gigi’s book,  Cultura and Cash Get your copy of my book: Your Journey To Financial Freedom Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp for FREE Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! <a href="https://journeytolaunch.com/ynab" target="_blank" rel= "noopener noreferrer"

S1 E368 · Wed, April 03, 2024

Save Money, Reduce Food Waste & Eat Healthier w/ Carleigh Bodrug

Carleigh Bodrug is the CEO and Founder of PlantYou, a New York Times Bestselling cookbook author and self-taught plant-based chef. Carleigh founded PlantYou in 2016 after the World Health Organization announced that red and processed meat were now considered Group 1 and Group 2 Carcinogens which was especially shocking as Carleigh grew up on a “meat and potatoes” diet. With little-to-no cooking skills, and a tiny bachelor apartment kitchen, Carleigh started experimenting with plants. She began cooking vegan meals by simply replacing the meat in her favorite childhood recipes with plants. Carleigh's mission is to help people to save money, reduce food waste and eat healthier than they ever have before. In this conversation, we discuss:  Carleigh’s journey from working in radio broadcasting to becoming a vegan chef and how a plant-based diet improved her digestion and overall energy levels The health and environmental benefits of eating more plant-based foods & moral reasons for reducing animal product consumption  The importance of focusing on your health and diet as part of your overall wellness and wealth   Tips for reducing food waste at home through proper storage, repurposing vegetable scraps, and being flexible with recipes + much more! Other Links Mentioned in episode: Check out Carleigh's Book, Plant You: Scrappy Cooking Get your copy of my book: Your Journey To Financial Freedom Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp for FREE Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and ge

S1 E367 · Wed, March 27, 2024

Strategies for Financial Security During Income Insecurity & Going Back To The Basics

In this week’s solo episode, I'm sharing how I am currently in a relaxed phase with my finances and business, focusing on having a balanced life and not stressing to maximize income for now. I give you tips for feeling financially secure during slower income periods and will guide you on how to reach this relaxed phase as well.  In this episode you’ll learn:  How knowing your income, savings, expenses and investment numbers will give you reassurance The importance of investments in achieving financial goals, even during slower times How thinking through the worst case and best case scenario will help you feel empowered to withstand challenges & remain optimistic.  Strategies for surviving extended periods without income and how to be prudent with expenses during slower times How to release worry by setting a date in the future to reassess where you are financially Other Links Mentioned in episode: Get your copy of my book: Your Journey To Financial Freedom Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp for FREE Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find o

S1 E366 · Wed, March 20, 2024

How To Bounce Back from Financial Setbacks and Adversity w/ Lynnette Khalfani Cox

In this episode, we chat with personal finance expert and author, Lynnette Khalfani Cox, who discusses how to overcome financial setbacks and adversity. She outlines 10 common challenges people face that negatively impact them financially & emotionally, which she calls the "dreaded Ds". Lynnette provides us with some key strategies for bouncing back and assures us that there are always ways to recover and build resilience after a setback; focusing on your mindset and emotional health is the first step. In this episode you will learn:  Strategies for bouncing back such as: Leveraging your network & connections to find opportunities, cutting expenses and finding ways to earn extra income, prioritizing your goals and tackling them one at a time + others. A breakdown of the 10 common challenges people face that impact our money- the dreaded D’s  Examples of how to switch & save money in areas like healthcare, food, phone bills, & childcare. How discrimination in housing, jobs, and lending can significantly impact someone's financial situation + more Other Links Mentioned in episode: Check out Lynnette’s latest book here, " Bounce Back: The Ultimate Guide to Financial Resilience”. Episode 187- How to Get Your Employer to Pay $5,250 Towards Your Student Loans Before the End of 2020 Episode 151-Everything You Need to Know About the Economic Relief Package with Lynnette Khalfani-Cox Episode 261- How To Improve Your Financial Well-Being, Embrace Fin-Tech Solutions & Evolving Technology w/ Lynnette Khalfani-Cox Get your copy of my book: Your Journey To Financial Freedom Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp for FREE Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podc

S1 E365 · Wed, March 13, 2024

Become a Profitable & Successful Investor with Mabel Nunez

Mabel Nunez is the founder & Chief Education Officer at Girl$ on The Money - a stock market investing education company targeted toward individuals who are underrepresented in the investing world. Mabel grew up in the South Bronx as an immigrant from the Dominican Republic, with limited resources & a strong emphasis on education from her father. She learned very little about personal finance or investing while in school until she was in college, where she took an investing analysis class which began her passion for investing & personal finance. Mabel holds both a Bachelor of Science and an MBA in Finance. However, most of what she's learned about investing came from experience. Mabel's mission is to teach what she's learned (and continues to learn) since starting her investing journey. She is passionate about transforming investing beginners into confident, knowledgeable, and profitable investors. In this episode, Mabel shares: How fear kept her from starting to invest, despite graduating as a finance major, reading articles and listening to shows on investing How she has been investing for 16 years with a focus on individual stocks in a self-directed taxable account. She invests in companies with long-term potential, rarely selling stocks and preferring a Warren Buffett-style strategy That investing in ETFs or index funds, such as the S&P 500, can be a simpler alternative to buying individual stocks & advises against buying "cheap stocks" or investing in unproven companies. How she struggled to tell her parents about quitting her 9-5 stable job to pursue her passion & the challenge of balancing personal dreams with family expectations, particularly for immigrant families + much more! Other Links Mentioned in episode: Get your copy of my book: Your Journey To Financial Freedom Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp for FREE Check out my personal website here. Join The  Weekly Newsletter List Leave

S1 E364 · Wed, March 06, 2024

Empowering Kids for Financial Success with Maya Corbic

Maya Corbic is a first-generation immigrant, CPA, author of the kids’ book "From Piggy Banks to Stocks: The Ultimate Guide for a Young Investor", and founder of the Wealthy Kids Investment Club. From challenging beginnings in shelters and government housing, Maya draws from her experience of overcoming financial challenges & simplifies money matters to inspire children to pursue financial success. Her vision is to empower every child to become a financially independent adult. Maya Corbic grew up in war-torn Bosnia before immigrating to Canada at the age 15. She started working at a young age to support herself and her family. This immigrant experience drove her motivation to get an education and have a successful career as a CPA where she worked at accounting firms before quitting to spend more time with family and start teaching kids about personal finance. By the time she was 32 years old, she and her husband paid off $60,000 of debt, in addition to their mortgage. In this episode, you’ll learn:  The value of social capital and interpersonal skills, how to seize opportunities, and the importance of learning and networking.  When is the ideal time to start teaching kids about key money lessons such as understanding needs vs wants, paying yourself first, & aligning money personalities with family values.  How transparent we should be with our kids about how much money we make and how it’s earned, to help them understand the value of money. How to invest for your child using 529 plans and custodial Roth IRAs in the U.S, but also how important it is for parents to get their own financial situation in order before investing for their kids How to lead by example when it comes to instilling good financial habits in children + much more Other Links Mentioned in episode: Check out Maya’s Book: "From Piggy Banks to Stocks: The Ultimate Guide for a Young Investor" Get your copy of my book:  Your Journey To Financial Freedom Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp for FREE <li style="font-weight: 400;" aria-level="1"

S1 E363 · Wed, February 28, 2024

The Real Benefit of Pursuing Financial Independence + Other Key Insights From My Book "Your Journey To Financial Freedom"

In this solo episode, I share the five key insights from my book, “ 𝐘𝐨𝐮𝐫 𝐉𝐨𝐮𝐫𝐧𝐞𝐲 𝐭𝐨 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐅𝐫𝐞𝐞𝐝𝐨𝐦: 𝐀 𝐒𝐭𝐞𝐩-𝐁𝐲-𝐒𝐭𝐞𝐩 𝐆𝐮𝐢𝐝𝐞 𝐓𝐨 𝐀𝐜𝐡𝐢𝐞𝐯𝐢𝐧𝐠 𝐖𝐞𝐚𝐥𝐭𝐡 𝐀𝐧𝐝 𝐇𝐚𝐩𝐩𝐢𝐧𝐞𝐬𝐬. ” I talk about varying definitions of Financial Freedom, how to stay motivated on your financial journey, Five Journey Stages of Financial Independence, and more!  In this episode you’ll learn about: How Financial Independence is a marathon, not a sprint The importance of not comparing yourself to others The real benefit of pursuing Financial Independence Determining how to identify your lifestyle, the six essential components to work on to reach Financial Independence, money mindset + more Other Links Mentioned in episode: Get your copy of my book: Your Journey To Financial Freedom Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp for FREE Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral li

S1 E362 · Wed, February 21, 2024

From Corporate America to Coast FI + Van Life With Jessica From The Fioneers

Jessica, co-author of award-winning blog The Fioneers , speaker, and lifestyle design coach, joins the Journey To Launch podcast for a second time to discuss how her and her partner transitioned from corporate America to van-life entrepreneurs.  We chat about unconventional paths and balanced approaches to Financial Independence, tips to reach FI, navigating feelings of fear and scarcity surrounding money and FI, and more!  In this episode you’ll learn about: How Jessica and her partner saved money and diverted funds from retirement to afford entrepreneurship and the flexibility of van-life Why you need to implement a strategy for the future as you transition away from your traditional career into self-employment  What surrounding yourself with a community of people can do to improve your mental health as an entrepreneur What the definition of Coast FI is, What “Guac Level” Jessica identifies as, the strength of having a partner aligned with your financial goals + more Other Links Mentioned in episode: Get your copy of my book: Your Journey To Financial Freedom Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp for FREE Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment an

S1 E361 · Wed, February 14, 2024

How Teachers Can Reach Financial Independence & Build Wealth With Rose Mendonca

Rose Mendonca, educator and financial enthusiast joins the Journey to Launch podcast to talk about her mission: helping all educators create wealth and the retirement of their dreams. Rose is a serial entrepreneur and founded Teacher Talks Money when she realized educators need more guidance, support, and literacy surrounding their finances and retirement options. Our conversation delves into topics such as Rose's decision to pay off her mortgage, the importance of optimizing earning potential early in a teaching career, how teachers can create wealth and more! In this episode you’ll learn about: Why you need to consider the “golden handcuffs” of pension and time if you’re considering moving districts as a teacher Retirement options for teachers and the differences between a 403b and a 457 Ways teachers can leverage their in-classroom skills to earn more money How teachers can invest with a limited income, strategically picking your school district, the power of investigating other interests + more!  Other Links Mentioned in episode: Adam Minsky: Student Loan Lawyer Travis Hornsby: student loan planner Episode 228- Everything You Need To Know About Student Loan Repayment W/ Travis Hornsby Get your copy of my book: "Your Journey To Financial Freedom" Leave Your Journey To Financial Freedom review! Get The Budget Bootcamp for FREE Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money

S1 E360 · Wed, February 07, 2024

What's Next For Journey To Launch + Steps To Take At The Beginning of Your Financial Independence Journey & It's my Birthday w/ Jamila Souffrant

It’s my birthday! In my latest episode, I delve into post-book debut developments, the upcoming stages for my business, my commitment to self-care this year, and the significance of leading a life you can take pride in. Additionally, I provide step-by-step instructions on what actions I would take if I were just discovering Financial Independence. Don’t forget: you can celebrate my birthday with me by listening to this episode and reviewing my book, “𝙔𝙤𝙪𝙧 𝙅𝙤𝙪𝙧𝙣𝙚𝙮 𝙏𝙤 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙁𝙧𝙚𝙚𝙙𝙤𝙢: 𝘼 𝙎𝙩𝙚𝙥 𝙗𝙮 𝙎𝙩𝙚𝙥 𝙂𝙪𝙞𝙙𝙚 𝙏𝙤 𝘼𝙘𝙝𝙞𝙚𝙫𝙞𝙣𝙜 𝙒𝙚𝙖𝙡𝙩𝙝 𝙖𝙣𝙙 𝙃𝙖𝙥𝙥𝙞𝙣𝙚𝙨𝙨,” on Amazon here or Goodreads here !  In this episode you’ll learn about: What you can do to celebrate my birthday (it’s FREE!) What my goals are with Journey To Launch and how I’m looking forward to the future How community and social capital raises your internal and external wealth The control that comes with autonomy, readjusting plans and goals, working on myself + more Other Links Mentioned in episode: My Book: Your Journey To Financial Freedom Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp for FREE Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment

S1 E359 · Wed, January 31, 2024

How these Two First-Gen Latine Siblings Went From Paying Off Debt to Six Figure Net Worths

This week on the Journey to Launch Podcast we’re featuring Israel and Sunem Tovar, two first-gen Latine siblings who empower people to use money to live their lives on their own terms. They discuss their financial journeys & achievements by sharing how Israel built a six-figure net worth by the age of 26 on a teacher salary and as a first-gen, openly gay latino, and how Sunem built a $250,000 investment portfolio and holds a Master's in finance.  Despite attending prestigious institutions, Israel still felt that he initially lacked financial literacy. Sunem also reveals that she didn’t learn much about personal finance while pursuing her Master’s in Finance. It was through their siblings sharing information with each other that they discovered personal finance blogs & podcasts which helped them  save, invest, pay off debt and start the journey towards financial independence.  In this episode Israel and Sunem discuss:  Their backgrounds, experiences with education, and how they navigated financial challenges. Israel’s journey to building wealth, starting with a $45,000 teaching salary, buying a house, and making strategic financial decisions, such as living with roommates and aggressively investing in retirement accounts. Sunem’s experience of paying off $42,000 in debt, managing multiple side hustles, and transitioning to aggressive investing.  Their upbringing in a Latino culture that emphasizes strong family bonds which shaped their desire to share knowledge with their siblings and build wealth together  The ethical considerations of investing in real estate, the importance of being intentional with spending + so much more. Check out the video to this episode on YouTube below or by clicking here: https://youtu.be/fhU2Q_z3Z5A Other Links Mentioned in episode: Get The Budget Bootcamp for FREE Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financi

S1 E358 · Wed, January 24, 2024

Navigating First Generation Wealth + Helping Family With Finances With Maria Melchor

Maria Melchor, financial educator and creator of FirstGenLiving, joins the Journey To Launch Podcast to talk about her experience being the first in her family to build lasting wealth in America and how she built FirstGenLiving into the successful business it is today.  We also talk about taking on student loan debt to avoid burdening parents with school expenses, “survivor’s guilt,” the fallacy of the “working harder will make you wealthier” narrative, and more.  FirstGenLiving began in 2020 and reaches an audience of 130,000+ across social media platforms. FirstGenLiving provides personal finance education tailored to the experience of first-generation immigrants, students, and professionals in the United States. Maria has been featured in outlets including CNBC , Univision, and Money Magazine .In this episode you’ll learn about: How Maria’s immigrant background shaped her journey and influences her finances The challenge of raising second generation kids with grit through intentional parenting Guilt and anxiety surrounding making more money than anyone in your family  Navigating helping family financially, starting an online content creation business, pitching yourself to loved ones, and more Other Links Mentioned in episode: Order my new book, Your Journey to Financial Freedom and get 2 months free of Freedom Quest & access to the FIRE STARTER Course for FREE  Episode 248- Small Steps to Reach Big Dreams + Going from an Observer to Main Player In Your Life Get The Budget Bootcamp for FREE Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my <a href="https://journeytolaunch.com/ynab" target="_

S1 E357 · Wed, January 17, 2024

How To Hack Your Life to Save Money, Optimize Experiences & Amassing 14 Million Credit Card Points w/ Chris Hutchins

Chris Hutchins, avid life hacker, financial optimizer and host of the top ranked podcast, “All the Hacks, ” joins the Journey To Launch podcast to discuss how he amassed 14 million credit card points and upgrades his life without spending a fortune.  We also talk about the dangers of optimizing too much, intentionally spending and hacking your personal finances, analysis paralysis, and more.  Before jumping into the content creation world, Chris was the Head of New Product Strategy at Wealthfront, an investor at Google Ventures, co-founded Milk (acquired by Google) and built an organization called LaidOffCamp. He has been featured in the New York Times, Wall Street Journal, and CNBC. In this episode you’ll learn about: How selling a business does not always mean making a profit  Why falling down rabbit holes of information changed Chris’s life What being in a job Chris hated taught him about Financial Independence Travel hacking, using money to have experiences you can uniquely have now, memory dividends + more Other Links Mentioned in episode: Order my new book, Your Journey to Financial Freedom and get 2 months free of Freedom Quest & access to the FIRE STARTER Course for FREE  Episode 356: Cultivating Influence, Mastering Networking + Leveraging People Skills To Improve Our Financial Lives With Vanessa Van Edwards Mastering the Secret Language of Charismatic Communication with Vanessa Van Edwards on All the Hacks Podcast Overcoming Fear, Processing Failure, and Why Having a Plan B Holds You Back with Matt Higgins on All the Hacks Podcast Episode 284- The Simple Path to Wealth and All You Need to Know About Index Investing with JL Collins Episode 346: Index Funds, How To Build Wealth & Financial Independence Wisdom With “The Godfather of FI,” JL Collins <a href= "https://www.amazon.com/dp/1533667926?linkCode=ssc&tag=onamzjourneto-20&creativeASIN=1533667926&asc_item-id=amzn1.ideas.H8W

S1 E356 · Wed, January 10, 2024

Cultivating Influence, Mastering Networking + Leveraging People Skills To Improve Our Financial Lives With Vanessa Van Edwards

Vanessa Van Edwards, a best-selling author and behavioral researcher on professional communication and leadership, joins the Journey To Launch podcast to discuss science-based communication insights and give actionable social skills tips to advance your career, relationships, and overall life. We also chat about navigating stereotyping and biases , the importance of making definitive decisions about personal connections, leveraging cues to shape perception, and more. More than 50 million people have seen Vanessa on YouTube and in her viral TED Talk. She has been featured in Entrepreneur, CNN, CBS, and more. Her book, “ Captivate: The Science of Succeeding With People ,” has been translated into 17+ languages and her latest book, “ Cues: Master The Secret Language of Charismatic Communication ," was an instant best seller.  In this episode you’ll also learn more about: Actionable posture tips and desk setups to optimize how others perceive you How to recognize if you have weaker people skills and what you can do to improve them  Why we should go into interactions wondering how we can like the other person more The Halo Effect, the definition of a “sticky person,” why charisma is just as important as a lucrative idea + more Other Links Mentioned in episode: Order my new book, Your Journey to Financial Freedom and get 2 months free of Freedom Quest & access to the FIRE STARTER Course for FREE  Captivate: The Science of Succeeding with People Cues: Master the Secret Language of Charismatic How to Win Friends & Influence People A Model of (Often Mixed) Stereotype Content: Competence Get The Budget Bootcamp for FREE Check out my personal website here. Join The 

S1 E355 · Wed, January 03, 2024

How You Can Be A Millionaire + Why You Don't Have To Be Born Into Wealth To Leave A Legacy Behind With Arlan Hamilton

Arlan Hamilton, serial entrepreneur, author, and master multitasker, joins the Journey To Launch podcast to discuss her main idea that 99.9% of people can become millionaires. She gives us powerful insights on proactively creating opportunities, overcoming distrust, and maintaining consistency for sustained wealth building. Following Arlan's interview, I share the questions I’m asking myself as we transition from 2023 to 2024  and how making an impact, no matter how modest, fuels my determination to reach and inspire a broader audience.   In this episode you’ll also learn more about: How to identify if you have a money mindset issue + the power of self-belief  Why creating multiple revenue streams is the key to long-term wealth What opting for exploring the best case scenario if you go for something looks like The power of embodying what we desire before we achieve it  Planning to allow for surprises, questions to ask yourself as the new year approaches + more Other Links Mentioned in episode: Order my new book, Your Journey to Financial Freedom and get 2 months free of Freedom Quest & access to the FIRE STARTER Course for FREE Arlan’s Book: Your First Million: Why You Don’t Have to Be Born into a Legacy of Wealth to Leave One Behind Episode 155- Strengthen Your Mindset & Confidence To Turn Being Underestimated Into Your Greatest Advantage with Arlan Hamilton Listen to The Valley Podcast, here Get The Budget Bootcamp for FREE Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! <a href="https://journeytolaunch.com/ynab" target="_blan

S1 E354 · Wed, December 27, 2023

Improving Your Money Mindset & Habits + Why Working On Yourself Is Non-Negotiable On Your Journey To Financial Freedom

Do you have a positive or negative money mindset? Are you conscious of the habits that correlate with those mindsets… or are you more like a jellyfish, going with the flow and not sure where you stand?  In this episode, I guide you through the significant impact of the intangible aspects of your financial journey. I offer definitions for mindsets and habits, present a framework for self-assessment, share my personal experience in leveraging a challenging situation, and provide insights on regaining control over your financial situation. In this episode you’ll also learn more about: What mindset is, why it’s evolving, and how it’s shaped in your life How to assess your mindsets and habits at the beginning of your financial journey  Understanding how your mindset and habits feed into your current financial situation Actionable steps to improve your money mindset, the ant mill or death spiral phenomenon, direct and indirect money habits + more Other Links Mentioned in episode: Episode 236- How To Change Overthinking From A Super Problem To A Superpower Soundtracks: The Surprising Solution to Overthinking Order my new book, Your Journey to Financial Freedom and get 2 months free of Freedom Quest & access to the FIRE STARTER Course for FREE Get The Budget Bootcamp for FREE Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral

S1 E353 · Wed, December 20, 2023

My Business Journey, Failing into Entrepreneurship & Tips To Start Your Entrepreneurship Journey

You’ve seen the social media posts: “To be successful, quit your corporate career and strike out on your own!” “Entrepreneur ‘til I die,” “Don’t make someone else rich!” While the idea that becoming an entrepreneur leads to increased flexibility and income may hold true for some, it's not a universal fit and often takes time to materialize. In this episode, I delve into my personal journey as an entrepreneur, recounting various challenges and setbacks. I discuss why I consider Journey To Launch a success, despite encountering multiple "failures," and offer genuine advice for those contemplating a move towards self-employment. In this episode you’ll also learn more about: Various businesses I tried and failed before I began Journey To Launch Actionable tips if you’re thinking about jumping into entrepreneurship How to set yourself up for entrepreneur success in the beginning The pros and cons of working for yourself + more Other Links Mentioned in episode: Episode 338: Quitting Alcohol, Accepting Your Authentic Self & How Money Allows You Time To Heal With Rich Jones  Episode 31- The Birthday Episode: My Previous Business Failures & 4 Life Lessons That Contribute To My Success Get The Budget Bootcamp for FREE Order my new book, Your Journey to Financial Freedom and get 2 months free of Freedom Quest & access to the FIRE STARTER Course for FREE Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . W

S1 E352 · Wed, December 13, 2023

How To Set & Prioritize Financial Goals In The New Year

The time for goal-setting is here, Journeyers! The end of the year is the perfect time to take inventory of your financial goals. In this episode, I dive deep into how to set and prioritize financial goals using concepts from my new book, “Your Journey To Financial Freedom.” I talk about goal dumping, being flexible with your dreams, and being honest with yourself and what you want out of life. In this episode you’ll also learn more about: Breaking down the 5 Categories of Financial Goals “Domino Goals” vs. “Gap Goals” How you can break down your goals into actionable steps  What “Goal Fuel” is, prioritizing “The Gap,” the importance of habits and mindsets, the 5 Journeyer Stages of Financial Independence + more Other Links Mentioned in episode: Get The Budget Bootcamp for FREE Order my new book, Your Journey to Financial Freedom and get 2 months free of Freedom Quest & access to the FIRE STARTER Course for FREE Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen t

Thu, December 07, 2023

"Your Journey To Financial Freedom" Book is Out Now! First Reviews Are in + Quick Updates

Get your copy by going to https://yourjourneytofinancialfreedom.com

S1 E351 · Wed, December 06, 2023

Why I Wrote Your Journey to Financial Freedom, Who The Book Is For & Behind-The-Scenes of Becoming A Debut Author

Well, Journeyers, it’s finally here: “ Your Journey to Financial Freedom: A Step-By-Step Guide to Achieving Wealth and Happiness,” hits bookshelves THIS WEEK!  In this solo episode, I “spill the tea,” on what it was like writing my debut book, the behind-the-scenes of the publishing world, getting over self-doubt, and what you can expect when you pick up the book. I also chat about letting go of perfection, why your dreams should be offensive, psychographics, the belief that the pursuit of Financial Independence is for everyone, and more. In this episode you’ll also learn more about: Who the target audience is for my new book, “ Your Journey to Financial Freedom: A Step-By-Step Guide to Achieving Wealth and Happiness”  How privileges and blind-spots of other personal finance educators and “gurus” pushed me to create a more relatable, authentically representative brand and book The layout of  “ Your Journey to Financial Freedom,” and how this book came to be in the world Main takeaways for you from my experience spending 2+ years writing my life’s work and gifting it to you  Other Links Mentioned in episode: Get The Budget Bootcamp for FREE Order my new book, Your Journey to Financial Freedom and get access to FIRE STARTER Course for FREE Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here ! Connect wi

S1 E350 · Wed, November 29, 2023

Creating Your Dream Life, Identifying Your Goals & The Guacamole Lifestyle Levels

Learn about the importance of diving deep into what you want your life to realistically look like currently and what it will look like financially in the future, allowing yourself to dream big and become flexible with your life goals, the dangers of comparison and more. In this episode you’ll also learn more about: The definition of life goals and the importance of prioritizing them alongside financial ones The Five Journeyer Stages of Financial Independence and The Five Guacamole Lifestyle Levels How your Guacamole Lifestyle Level will impact your journey to Financial Independence Identifying your life goals without the numbers, dreaming big, achieving what you want through intentional living + more Other Links Mentioned in episode: Episode 309- The Price of Beauty: Exploring the Pros and Cons of Higher Maintenance Beauty Services Get The Budget Bootcamp for FREE Pre-order my new book, Your Journey to Financial Freedom and get access to FIRE STARTER Course for FREE Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the f

Wed, November 22, 2023

Black Friday Exclusive Deal, New Book Bonus + NYC Book Launch Party (Pop-up Episode)

S1 E349 · Wed, November 22, 2023

The Practical Guide To Reaching Your Financial Goals With Tiffany Aliche, The Budgetnista

Tiffany Aliche, The Budgetnista is back! America’s favorite personal finance educator rejoins the Journey to Launch podcast to discuss her new workbook, “Made Whole: The Practical Guide to Reaching Your Financial Goals.” We also chat about how success can be deceiving, why you need to listen to your body, getting the courage to ask for help, the breaking point of Tiffany pivoting her business to a more sustainable model, and more! Tiffany is author of New York Times best-selling book, Get Good With Money. Through her Live Richer Movement, she’s helped over 2 million women save, manage and pay off hundreds of millions of dollars of debt. She was featured on Netflix’s Get Smart With Money and was instrumental in passing The Budgetnista Law, which makes financial education a requirement for middle school students in New Jersey. In this episode you’ll also learn more about: What “Lifestyle Design,” is and how daydreaming is an essential part of designing your ideal life How to find freedom and happiness in your life NOW The law of depreciating returns and knowing your “enough point” Seeking peace, remembering what is most important in life, “The Perfect Day List”  + more Other Links Mentioned in episode: Becoming Financially Whole, Doing What You Enjoy, And Making Good Money W/ Tiffany Aliche “The Budgetnista” The 4 Hour Workweek by Tim Ferriss Get The Budget Bootcamp for FREE Pre-order my new book, Your Journey to Financial Freedom and get access to FIRE STARTER Course for FREE Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! <a href="https://journeytolaunch.com/ynab" target="_blank" re

S1 E348 · Wed, November 15, 2023

How A Teacher From The Bronx Moved To Abu Dhabi, Pays 0 Taxes & Had $17K of Student Loans Forgiven With Journeyer Cassandra Henry

Some of my most impactful conversations are with people who are in the thick of the journey, not just people who have reached Financial Independence. In today’s episode of Journey to Launch, I’m bringing back Cassandra Henry, a Journeyer who doesn’t have it “all figured out,” but is on an inspiring path toward financial freedom. Cassandra, an Expat living in Abu Dhabi, was one of my first 1:1 financial coaching clients. She has paid down debt, moved abroad, and found that financial independence is a worthwhile goal no matter what your circumstances.  We chat about gamifying your financial goals, paying zero taxes abroad, and having over $17k of student loan debt forgiven. In this episode you’ll also learn more about: Why living in Abu Dhabi is less stressful and how Cassandra is able to save money living abroad How COVID almost made Cassandra quit teaching, but instead she pivoted to an international teaching role The struggles of living across the world from family and the power of creating your own community Public Student Loan Forgiveness, how financial independence allowed Cassandra to take care of her family, why investing even a small amount matters + more Other Links Mentioned in episode: How Cassandra Increased Her Income By $10k & Improved Her Money Mindset Get The Budget Bootcamp for FREE Pre-order my new book, Your Journey to Financial Freedom and get access to FIRE STARTER Course for FREE Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What st

S1 E347 · Wed, November 08, 2023

Exclusive Sneak Peak & Content From My New Book "Your Journey To Financial Freedom"

In this episode, I share the Introduction of my new book: Your Journey to Financial Freedom: A Step-By-Step Guide To Achieving Wealth And Happiness.  I talk about how plans are meant to be flexible, why joy and happiness are just as important on this journey as numbers and formulas, the importance of sustainable financial planning, and more. In this episode you’ll also learn more about: My mother’s brave immigration story from Jamaica to New York City  What “woke” me up and turned me on to the path to Financial Independence  How motherhood pushed me further on my journey and inspired me to teach my children to not conform to society's notion of happiness.  The process of recording my audiobook, why pre-orders matter, and the steps I’ve taken to get this book into the hands of Journeyers like you + more Other Links Mentioned in episode: FinCon Giveaway of Your Journey to Financial Freedom Let Me Introduce Myself Blog Post Get The Budget Bootcamp for FREE Pre-order my new book, Your Journey to Financial Freedom and get access to FIRE STARTER Course for FREE Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episo

S1 E346 · Wed, November 01, 2023

Index Funds, How To Build Wealth & Financial Independence Wisdom With “The Godfather of FI,” JL Collins

JL Collins is known as “The Godfather of FI,” and for a good reason: He continues to be a pioneer in the FIRE (Financial Independence Retire Early) Movement and a thought-leader in the Financial Independence (FI) space.  Today, he joins us to discuss the origin story of his groundbreaking blog, the concept behind his new book, Pathfinders, shiny investing object syndrome, and more. In this episode you’ll also learn more about: Defining what “the simple path to wealth” means  Breaking down what index funds are, the difference between active and passive investing, and what “self cleansing” means How chasing performance is the best way to underperform in investing  The 4% rule, the importance of understanding the cost of your comfortable lifestyle, purchasing things from a position of strength, and more   Other Links Mentioned in episode: The Simple Path To Wealth And All You Need To Know About Index Investing With JL Collins The Simple Path to Wealth: Your road map to financial independence and a rich, free life   How I Lost Money in Real Estate Before It Was Fashionable: A Cautionary Tale  Pathfinders: Extraordinary Stories of People Like You on the Quest for Financial Independence—and How to Join Them How To Quit Like A Millionaire So You Can Stop Working & Start Living With Kristy & Bryce Quit Like a Millionaire: No Gimmicks, Luck, or Trust Fund Required <a href= "https://tim.blog/2023/01/06/james-clear-atomic-habits/" t

S1 E345 · Wed, October 25, 2023

The Basics of Financial Independence (FI): What Is FI & What You Need To Start Your Journey - Part 2

In Part 2 of my “The Basics of Financial Independence Series,” I take you through the tangible, numbers-based side of the Financial Independence movement.  I talk about how the journey to Financial Independence changes your life as a whole, why it’s okay and normal for your goals and dreams to be flexible, validating that it’s okay for you to want something different for your life, and more. In this episode you’ll also learn more about: The difference between basic personal finance principles and Financial Independence  How to calculate your Financial Independence number Common Financial Independence terms and definitions Why you should pursue Financial Independence no matter what your situation looks like, a breakdown of the 5 Journeyer Stages of Financial Independence + more Other Links Mentioned in episode: Episode 344: The Basics Of Financial Independence: How Financial Independence Changed My Life – Part 1 Get The Budget Bootcamp for FREE Pre-order my new book, Your Journey to Financial Freedom and get access to FIRE STARTER Course for FREE Check out my personal website here. Join The  Weekly Newsletter List <a href="https://www.journeytolaunch.com/voicemail/" target= "_blank" rel="noopener noreferrer

S1 E344 · Wed, October 18, 2023

The Basics of Financial Independence: How Financial Independence Changed my Life - Part 1

In Part 1 of my “The Basics of Financial Independence Series,” I take you through my background and how I discovered the Financial Independence, Retire Early Movement (FIRE Movement). I also talk about how my mom came to America from Jamaica, my early introduction to real estate, when I had my FIRE Movement “Ah ha” moment, and more! In this episode you’ll learn more about: My background, when my personal finance passion began, and how Financial Independence changed my life How Financial Independence differs from other personal finance concepts Financial Independence basics you need to know Ways you can reach your Financial Independence goals + more Other Links Mentioned in episode: InRoads.org   Mad Fientist Podcast How I Bought My First Real Estate Investment Property At 22-Years-Old My Journey To Launch: How I Plan To Retire By Age 40 How I Failed At Reaching My Financial Independence Goal But Found Financial Freedom Instead Get The Budget Bootcamp for FREE Pre-order my new book,  Your Journey to Financial Freedom and get access to FIRE STARTER Course for FREE Check out my personal website here. Join The Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so

S1 E343 · Wed, October 11, 2023

How To Negotiate A Raise, Pivot Your Career & Finally Love What You Do With Elaina Goldstein

Eliana Goldstein, certified professional coach, joins the podcast to discuss how to create the necessary mindset, learn the key strategies and set the goals needed to move to the next level in your career. Elaina’s goal is to teach people how to build careers so they don't completely dread Monday morning. We also chat about when you should advocate for a raise at your current company, how to nail job hopping, pay transparency, why you should hold off until the last minute for the salary conversation with your potential employer and more!  In this episode you’ll learn more about: Questions we should ask ourselves if we’re stuck in a mundane work cycle or career Replacing the importance and emphasis on passion with values and areas of strength Why you need to get to know yourself (self audit) before you make a career change Zones of genius, flow states, mindset shifts, learning how to leverage a creative career to earn more money + more Other Links Mentioned in episode: Dorianne St Fleur I nstagram Instagram.com/yourcareergirl Episode 7- How to Negotiate a $25,000 Raise Episode 232- How You Can Make More Money, Have More Impact, And Thrive In The Corporate World With Dorianne St. Fleur Get The Budget Bootcamp for FREE Pre-order my new book, Your Journey to Financial Freedom and get access to FIRE STARTER Course for FREE Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial

S1 E342 · Wed, October 04, 2023

Quitting Corporate, Becoming An Accidental Entrepreneur & Setting Money Boundaries with Gigi Gonzalez

Giovanna “Gigi” Gonzaléz, financial educator, influencer, founder of The First Gen Mentor, and author of the upcoming book,  Cultura & Cash , joins the Journey to Launch podcast to discuss how she quit her 10 year corporate career in financial services to pursue her true passion: teaching financial literacy to young adults. Giovanna teaches personal finance and career navigation at universities, companies, and on her TikTok account, @thefirstgenmentor. She was named Top 25 Creator by Fast Company, 40 under 40 by the Hispanic Alliance for Career Enhancement, and "Latinx to Watch" by Hispanic Executive Magazine. We also talk about Gigi’s hysterectomy, why money played a big role in her recovery, her immigrant upbringing, setting financial boundaries with loved ones, and more. In this episode you’ll learn more about: How Gigi went from paycheck-to-paycheck to personal finance educator, leader and viral social media influencer Why relocating to a different, lower cost of living city could be the secret ingredient to financial freedom The power of goal setting, dreaming big and knowing your why F-U funds, dealing with the inconsistency of entrepreneurship, giving yourself a timeline for success + more Other Links Mentioned in episode: Check out Gigi's book Cultura and Cash Get The Budget Bootcamp for FREE Pre-order my new book, Your Journey to Financial Freedom and get access to FIRE STARTER Course for FREE Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working o

S1 E341 · Wed, September 27, 2023

How Fear Can Be Your Superpower In Building Wealth, Crushing Your Career & Winning At Life With Farnoosh Torabi

Farnoosh Torabi, author and host of the award-winning podcast So Money, joins the Journey to Launch podcast to talk about her new book, “A Healthy State Of Panic: Follow Your Fears To Build Wealth, Crush Your Career And Win At Life.” Farnoosh is America's leading personal finance expert, hooked on helping you live your richest, most fulfilling life. She has been featured in the New York Times, Wall Street Journal, Time Magazine, Good Morning America, and more. So Money, her podcast of 9 years, has over 30 million downloads. We chat about how Farnoosh’s parents raised her to have a healthy state of panic and how it informs her perception of personal finance today, how fear can be a signal to move forward with your big goals, FOMO, and more. In this episode you’ll learn more about: Why we need to embrace fear instead of aim for the unrealistic characteristic of “fearless” The power of asking yourself, “What’s the worst that can happen?” + moving through the consequences of not acting on those fears How identifying, in detail, what your fear is, can give you clear steps to change it What FOMO is, why it matters to your money, how the comparison game accelerates this feeling, Farnoosh’s stand-up comedy career + more Other Links Mentioned in episode: Listen to episode 71: The Business Of Money W/ Farnoosh Torabi Check out Farnoosh's book, A Healthy State of Panic Get The Budget Bootcamp for FREE Pre-order my new book, Your Journey to Financial Freedom and get access to FIRE STARTER Course for FREE Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budge

S1 E340 · Wed, September 20, 2023

How To Manage Your Money With ADHD & Unlocking Neurodivergent Financial Empowerment With Ellyce Fulmore

Ellyce Fulmore, Canadian Queer and neurodivergent financial educator, joins the Journey to Launch podcast to talk about how she paid off high interest debt, ADHD and money, and her new book, “ Keeping Finance Personal.”  Ellyce is a full-time content creator and founder of Queerd Co., a financial literacy company. Her approach to finance goes beyond the conventional, focusing on the intersectionality of identities and lived experiences.  We also discuss the importance of understanding how dopamine operates in your neurodivergent brain, ADHD hacks to get better with money, what “Momentum Surfing” is, and how to figure out (and stick to) a budget process that works best for you. In this episode you’ll learn more about: Challenges people with neurodivergence experience with finance + how they can become better at money management The strategy behind Ellyce paying off debt and investing while on an inconsistent income Why becoming debt free isn’t “the ultimate” goal for everyone  Celebrating people's differences, the validity of self diagnosis, sticker boards + more Other Links Mentioned in episode: Dopamenu with How to ADHD + Eric Tivers Get The Budget Bootcamp for FREE Pre-order my new book, Your Journey to Financial Freedom and get access to FIRE STARTER Course for FREE Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to

S1 E339 · Wed, September 13, 2023

Disney World vs. Retiring Early- How Much Our Disney World Trip Cost + Book Updates

Is Disney truly the happiest place on Earth? or the most Expensive? Maybe a bit of both. We called Orlando, Florida home for a week while we vacationed at Disney World… and I can confirm that the Cinderella Castle is as magical as it gets. Join me in this solo episode as I dive into the nitty-gritty of trip planning, where we decided to treat ourselves, save money and the total cost of our trip. In the end, I reflect on if I think the money spent was worth it or if I regret it. I also give you important book updates and why pre-orders are vital to a debut author's success!  In this episode you’ll learn more about: What is worth your money at Disney and what you could avoid to save money The benefits of joining Disney groups and planning a Disney vacation through a Disney Planner A breakdown of exactly how much we spent on our week-long Disney vacation  The importance of pre-orders, how a book gets on lists like the NYT, weighing opportunity cost + more Other Links Mentioned in episode: Travel by Penny Facebook Get The Budget Bootcamp for FREE Pre-order my new book, Your Journey to Financial Freedom and get access to FIRE STARTER Course for FREE Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here

S1 E338 · Wed, September 06, 2023

Quitting Alcohol, Accepting Your Authentic Self & How Money Allows You Time To Heal With Rich Jones

Rich Jones, founder of Find More Balance joins the podcast to discuss his personal development journey. Rich’s career, mental and physical health transformation is inspirational, relatable and can be a case-study in how learning to cope with mental illness and dissatisfaction in life in a healthy way can make your dreams a reality.  We also chat about Rich’s journey to sobriety, EMDR (Eye Movement Desensitization and Reprocessing) therapy, getting back into track, and more.  In this episode you’ll learn more about: Facing your problems head-on instead of putting a temporary change bandaid over them Why considering others “behind the scenes” challenges is essential to building empathy  How financial independence allows you to walk away from situations, take breaks + gives you space to “do it your way” Rich’s breaking point and what caused him to rethink full-time entrepreneurship + more Other Links Mentioned in episode: Episode 28: Finding The Right Balance Between Your Income & Expenses W/ The Paychecks & Balances Duo Get The Budget Bootcamp for FREE Pre-order my new book, Your Journey to Financial Freedom and get access to FIRE STARTER Course for FREE Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out <a href= "http://journeytolaunch.com/mystage" target

S1 E337 · Wed, August 30, 2023

How To Stop People Pleasing, Step Into Worthiness, & Protect Your Assets With Divorce Attorney Renee Bauer

Renee Bauer, international speaker, 20 year divorce attorney veteran, and author, joins the Journey to Launch podcast to discuss the logistics of divorce, why most marriage problems are worthiness problems, and how to protect yourself even in a loving relationship. We also chat about prioritizing yourself, setting healthy boundaries, and how Renee became an entrepreneur.  In this episode you’ll learn more about: How to have uncomfortable money conversations with your partner The realities of asset splitting in divorce and prenups and postnups Why you need to create a “No List” Recovering from being a people please, the “Stop, Drop, and Roll” framework, honoring your gut instincts, and more Other Links Mentioned in episode: Check Out Renee's Book Get The Budget Bootcamp for FREE Pre-order my new book, Your Journey to Financial Freedom and get access to FIRE STARTER Course for FREE Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here ! Connect with Renee: Website: MsReneeBauer.com In

S1 E336 · Wed, August 23, 2023

From $30k Per Year To Multi-Millionaire, Having Faith Over Fear & Building Generational Wealth Through Entrepreneurship With Mignon Francois

Mignon Francois, entrepreneur, best-selling author and renowned baker, joins the Journey To Launch podcast to discuss going from drowning in debt to building a multimillion dollar cupcake empire. We chat about marketable capabilities that stay at home moms bring to entrepreneurship, how vulnerability and transparency builds profitable businesses, and the power of looking to the past to inform your future. In this episode you’ll learn more about: Going from selling a few cupcakes to a neighbor to a multi-million dollar business How The Great Depression inspired Mignon to build her cupcake empire The importance compounding skill sets, failures and redirections have in determining future success and happiness Owning the things you’re part of, keeping the faith during challenging times, leaning into your community, and more Other Links Mentioned in episode: Read Mignon's book: Made from Scratch: Finding Success Without a Recipe Get The Budget Bootcamp for FREE Pre-order my new book, Your Journey to Financial Freedom and get access to FIRE STARTER Course for FREE Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out <a href= "http://journeyt

S1 E335 · Wed, August 16, 2023

How To Coast Your Way To Financial Independence, Save 60% of Income & Reframe What Retirement Means w/ Ada Vargas

Ada Vargas, founder of Queer Money Coach, joins the Journey to Launch podcast to discuss how they were able to reach Coast FI, what led them to full-time entrepreneurship, and why reframing your perception of investing is crucial to financial success. Ada thought in order to retire you had to literally save millions of dollars. They didn’t know what investing was or about the FIRE (Financial Independence, Retire Early) Movement.  We chat about their mission of helping Queer folks thrive in their financial life, the “Four Yous Framework,” and how they went from spending 100% of their income to a savings rate of 60%. In this episode you’ll learn more about: Coast FI, front-loading retirement as a high earner, and living off of $20k per year Leaning into financial empowerment and ease with the “Four Yous Framework” Reframing retirement savings from a “chore” to a gift you’re giving your future self The differences and nuances of queer personal finance + why representation matters Making the transition to zero-based budgeting, automated investmenting, shopping for index funds, and more Other Links Mentioned in episode: Compound Interest Calculator  Episode 126- How She’s Building a $500,000 Portfolio & Retiring Early at 30 Years Old (w/ a Purple Life) Episode 289- Retiring at 30yrs Old & Living A Full Life On $20k A Year W/ Purple Episode 248- Small Steps to Reach Big Dreams + Going from an Observer to Main Player In Your Life Get The Budget Bootcamp for FREE Pre-order my new book, Your Journey to Financial Freedom, for special bonuses Check out my personal website here. Join The  Weekly Newsletter List <a href="https://www.journeytolaunch.com/voicemail/" target= "_blank" rel=

S1 E334 · Wed, August 09, 2023

From Poverty to Millionaire, How Pursuing Financial Independence Gives You Options & Living Authentically With Delyanne Barros

Delaynne Barros, award-winning Latina money expert and former employment attorney, joins the Journey to Launch podcast to discuss her path from undocumented immigrant to seven-figure business owner.  After learning about the FIRE (Financial Independence, Retire Early) movement, Delyanne decided to go “all in,” by paying off $150,000 in student loan debt and throwing money into the stock market.  We chat about frugality out of necessity and intentionality, avoiding lifestyle creep, the “golden handcuffs” of high salary careers, escaping poverty, and more. In this episode you’ll learn more about: What made Delyanne want to become a lawyer and how she was able to retire from law at age 39 The important lesson behind Delyanne’s experience pouring money into the stock market during COVID-19 Passive income vs. front-loading work as an entrepreneur The cost of living in Portugal, when Delyanne plans to retire her mom, deciding to be child-free by choice, and more Other Links Mentioned in episode: Small Steps To Reach Big Dreams + Going From An Observer To Main Player In Your Life Get The Budget Bootcamp for FREE Pre-order my new book, Your Journey to Financial Freedom, for special bonuses Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending

S1 E333 · Wed, August 02, 2023

The Secret Weapon To Achieve Your Goals & Change Your Financial Life

In today’s solo episode, I talk about “the secret sauce” that changed everything for me. Not too long ago I was in a cubicle with *something* missing from my life. I decided to investigate what that something was and because I operate on a growth mindset, I made the necessary transition to full time entrepreneur. Now, I’m able to fill my time the way I want… even without reaching financial independence. With privilege and perspective in mind, I share how you too can use mindset to radically change your life and perspective on success. At the end of the day, it doesn't matter how much money you have in the bank, if you don’t take the time to establish your reason for reaching that amount of money, you will never be fulfilled. Remember: “Whether you think you can or think you can’t, you’re right.” - Henry Ford In this episode you’ll learn more about: Why what you are capable of achieving externally is directly related to what’s going on internally  How to use the power of mindset to pull you forward and become the best version of yourself  What the “Be, Do, Have Model” is and how to feel good about yourself first  The fixed mindset vs. the growth mindset, being honest with yourself, creating a money plan + more Other Links Mentioned in episode: Get The Budget Bootcamp for FREE Pre-order my new book, Your Journey to Financial Freedom, for special bonuses Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the

S1 E332 · Wed, July 26, 2023

Become Your Own Money Expert & Build A Financial Life True To Your Values & Desires W/ Saundra Davis REWIND

Living personal finance legend Saundra Davis, joins the podcast to discuss how she took the ultimate risk in her 40s that led to her living the life she always dreamt of.    Saundra is the Founder and Executive Director of Sage Financial Solutions , a San Francisco Bay Area-based organization that develops comprehensive financial capability programs for low and moderate-income communities.  We chat about how to change your money behaviors, effectively setting financial boundaries, and more. In this episode you’ll learn more about: Setting financial boundaries with family members + helping people around you find their own financial power How to know when to take risks and invest in yourself] Why empathy based coaching is imperative to lasting generational wealth and change Methods to change your financial behaviors + more Other Links Mentioned in episode: Scarcity: The New Science of Having Less and How it Defines Our Lives Rebuilding Black Wall Street A Century After The Tulsa Race Massacre & Why It Still Matters Now W/ Kevin Matthews Get The Budget Bootcamp for FREE Pre-order my new book, Your Journey to Financial Freedom, for special bonuses Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my <a href="https://journeytolaunch.com/ynab" target="_blank" rel="noopener

S1 E331 · Wed, July 19, 2023

How To Rewire Your Brain For Wealth And Financial Success W/ Barbara Huson REWIND

Barbara Huson, veteran finance coach and best-selling author of 10+ personal finance books, joins the podcast to talk about reframing your negative money narratives, why neuroscience plays a fundamental role in how we process, navigate, and spend money, and the validity of wanting more money. We also discuss why operating from fear may be the secret to success and how the fear of being perceived as greedy undervalues you. In this episode you’ll learn more about: The connection between the brain and mind… and how to mold them 3 ways to rewire your brain for financial success What the outer work, inner work, higher work, and deeper work of wealth are How to increase self efficacy, being open about wanting more money in your career, + more Other Links Mentioned in episode: Barbara Huson Books & Products Get The Budget Bootcamp for FREE Pre-order my new book, Your Journey to Financial Freedom, for special bonuses Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here ! Connect with Barbara: Website <a href="https://www.instagram.com/TheBarbaraHuson"

S1 E330 · Wed, July 12, 2023

How Anita Paid Off $95,000 Of Debt In One Year And Retired Early At 33 Years Old REWIND

In this episode, Anita Dhake joins the podcast to discuss how she committed to her dream to retire early and live her best life. In one year she paid off $95,000 of student loan debt and started aggressively saving 85-95% of her income. By age 33, Anita was able to retire with over a half of million dollars in investments. She now lives by her own design on less than $24,000 per year. This FIRE (Financial Independence, Retire Early) is full of actionable tips no matter your income, mental health and money correlations, and why community matters. In this episode, you’ll learn more about: How to accelerate your path to financial freedom and early retirement The benefits of applying stoicism to your financial journey Several inspiring books you should read now  Where to easily invest your money and watch it grow + more Other Links Mentioned in episode: Listen to episode 102: How Dumpster-Diving And House Hacking Is Fueling Charlie’s Journey To Financial Freedom Listen to episode 285: Your Money Or Your Life: Transform Your Relationship With Money & Achieve Financial Independence W/ Vicki Robin Check out Anita's book: Operation Enough! How to Retire Remarkably Early Read How Not to Die by Michael Greger Read The Four Tendencies by Gretchin Rubin Read The Geometry of Wealth by Brian Portnoy <a href= "https:

S1 E329 · Wed, July 05, 2023

Finding Joy, Wealth & Freedom On Your Journey To Financial Independence With Kerry Ann Rockquemore REWIND

Can you believe we have OVER 300 episodes on the Journey to Launch podcast!?  With that being said, this summer I’m releasing a few episodes from the “vault” that I think Journeyers need to hear. THIS WEEK:  Kerry Ann Rockquemore, former Sociologist Professor and FIRE (Financial Independence, Retire Early) Movement member, joins the Journey to Launch podcast to discuss what led her and her husband to retiring early, the power of community, and how the financial independence journey redefines your goals and identity.  In this episode, you’ll learn more about: What breaking point led Kerry and her partner to chase the FIRE (Financial Independence, Retire Early) Movement How the book, “Your Money Or Your Life,” + the community based around it changed Kerry’s life professionally and financially Why it’s essential to take the financial independence journey one step at a time The blueprint for creating your own in-depth annual planning process to optimize your personal and financial goals The importance of networking, an abundance mindset + recognizing the privileges you have that others do not on your journey to financial freedom + more Other Links Mentioned in episode: Your Money Or Your Life: Transform Your Relationship With Money & Achieve Financial Independence W/ Vicki Robin REWIND Read Your Money or Your Life by Vicki Robin Get The Budget Bootcamp for FREE Pre-order my new book, Your Journey to Financial Freedom, for special bonuses Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and bud

S1 E328 · Wed, June 28, 2023

Navigating Your Financial Freedom Journey Through Busy Seasons While Still Enjoying Your Life

Life can be challenging when you’re on a financial freedom journey… especially during a particularly busy season. That’s why I’m bringing you this solo episode focused on how to navigate these challenging times when they crop up in your own life. I give you personal and professional updates, exciting book news, and why taking my boys to a Pokemon conference in California spawned a serious internal (and now external) discussion on why we need to live life off of spreadsheets and budgeting apps. If you’ve ever felt like you’ve struggled with balance, this episode is for you. In this episode, you’ll learn more about: Taking advantage of opportunities even when you haven’t planned for them Learning how to approach situations from different angles to get the desired outcome Weighing out value vs. expense when making decisions Questions to consider when choosing to spend money on experiences now instead of putting them off for later + more Other Links Mentioned in episode: Patflynn.com Building A Community, Using Entrepreneurship To Build Personal Wealth & Scaling A Business W/ Pat Flynn & Matt Gartland Budgeting & Investing for Business Owners with Jamila Souffrant Card.Party Die With Zero & Get All You Can From Your Money And Your Life W/ Bill Perkins Get The Budget Bootcamp for FREE Pre-order my new book, Your Journey to Financial Freedom, for special bonuses Check out my personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! <a href="https://journeytolaunch.c

S1 E327 · Mon, June 19, 2023

Juneteenth Collaboration: Gettin’ Free- Historical Tales of Our Journey To Freedom

Gettin’ Free! : A Juneteenth Collaboration brought to you by Sistas Who Kill: A True Crime Podcast. We know that history is told from the side of the victors, but that leaves room for misinformation and false narratives.  We are on a mission to change that. 11 Black podcasts have come together to reclaim our history and tell it our way - flavor and all. Welcome to a chronological journey to get free. Learn where we’ve come, what we’ve overcome, and how much further we need to go.  In my portion of the episode (58 minute mark) I talk about Maggie Lena Walker, the first woman (black or white) to charter a bank and woman to serve as a bank president in America.  References: Pennies and Nickels Add Up to Success: Maggie Lena Walker  More Info on Maggie_L._Walker From Wikipedia Maggie L Walker from Womens History The St. Luke Penny Savings Bank Other Links Mentioned in episode: Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here ! All Podcasters in the Episode & Their Timestamps: 4:08: Sistas Who Kill  IG: @SistasWhoKi

S1 E326 · Wed, June 14, 2023

Saving $100K To Prepare For Motherhood, Leveraging Transferable Skills & Pivoting From Freelance To Full-Time with Brittany Dandy

Brittany Dandy, founder of Ode to Us Wellness and marketing consultant, joins the podcast to talk about saving over $90K+ and transitioning from freelancer to having a career where she is able to enjoy stability, increase her income, and reach financial independence. Exploring motherhood prompted Brittany to ask the question: “What would make me feel safe and secure during the transition to parenthood?” This query led her to the world of financial independence, mental and physical wellness, and ultimately resulted in her saving $90K+ with her partner. We also chat about thriving while walking an unconventional path, side hustling to keep self-taught skills sharp, what it took to save so much money, and more. In this episode, you’ll learn more about: How to leverage the various skills you collect along the way in your career  Prioritizing financial advice that works for your situation above blindly following well-intended instructions (even from professionals) The importance of networking, increasing your income + self-education Being open to new possibilities, shopping for real estate “on the fringe,” strategizing your finances to optimize your saving power + more Other Links Mentioned in episode: Catch A Fire Check out Consulting Bible Launch Seven Figure Business Read Million Dollar Consulting Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my <a href="https://jour

S1 E325 · Wed, June 07, 2023

Rebuilding From Broke, Making Wealth A Daily Decision & The Power Of A Financial Plan With Dominique Broadway

Dominique Broadway, award-winning personal finance expert, speaker, new author and the founder of Finances Demystified, joins the podcast to discuss going from broke in business to leading a multi-million dollar finance brand.  Dominique quit her corporate finance job to start her own entrepreneurial journey, only to find herself in debt and being foreclosed on. After facing her money mistakes, putting a financial action plan in place, and doing the hard work, she became the successful businesswoman and millionaire she is today. We discuss Dominique’s unique journey to success, the powerful decision to choose wealth every day and how you can scale your business. In this episode, you’ll learn more about: How Dominique’s early exposure to entrepreneurship and hustle propelled her to success Why having specific financial goals in business is imperative to not going broke + the power of experience education  Taking accountability for your money mistakes + why communication is just as important in money as it is in your relationships Understanding the why behind your financial situation, navigating shame and embarrassment + working backwards to build wealth  Actionable tips to scale your business or side hustle + more Other Links Mentioned in episode: Check out Dominique's book: Wealth Decision Achieve Financial Generational  Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out <a

S1 E324 · Wed, May 31, 2023

From Teaching Students To Changing The Law & Prioritizing Requiring Personal Finance Education w/ Yanely Espinal

Yanely Espinal, personal finance educator, advocate and new author, joins the Journey to Launch podcast to discuss how she is changing the law one state at a time, why money needs more nuance, and how we can address systemic issues for real change.  Yanely has a successful YouTube Channel with over 50k subscribers, a new book, "Mind Your Money,” and professionally focuses on personal finance curriculum, teaching students, teachers, and professionals about financial literacy. We also chat about the hurdles Yanely faces within the political system vying for mandated personal finance education, navigating migrant remittances with empathy first, if she still sleeps in a hammock, and more. In this episode, you’ll learn more about: The ways Yanely persuades lawmakers to prioritize requiring personal finance education for high school students  Why upskilling teachers is not only needed but necessary for teaching personal finance effectively in 2023  How to navigate remittances with your siblings, support loved ones without giving cash, and the importance of therapy and behavioral economics The nuances of personal finances in immigrant families, addressing broader systemic issues for change + more Other Links Mentioned in episode: How To Pay Off Debt & Merge Your Talents  Gabrielle Union & Dwayne Wade Split Their Bills 50/50 Ngpf.org Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my <a href="https://journeytolaunch.com/ynab" target="_blank"

S1 E323 · Wed, May 24, 2023

Somatic Finance, Money Polarity Myths + The Body Of Money With Gayle Colman

Gayle Colman, CFP®, holistic and integral wealth coach and author, joins the Journey to Launch podcast to discuss making money choices with clarity and confidence, free from overwhelm. Gayle is co-founder of Colman Knight Advisory Group and has spent 35 years in the money psychology industry. Her work focuses on somatic finance, teaching and inspiring others to bring presence to their bodies and work from the internal first. We chat about the 7 stages of money maturity, why awareness is key and how you can excel in the gray areas of life. In this episode, you’ll learn more about: What somatic finance is and bringing the wisdom of our bodies into all matters of money How to begin improving the external (debt, income, financial goals, etc.) while healing the internal (what matters most to us and why) Money polarity myths, dynamically steering decisions + embodied sufficiency Giving attention to your body, creating space to feel, expressing emotions in the present + more Other Links Mentioned in episode: Check out The Body of Money by Gayle Colman Read The Seven Stages of Money Maturity by George Kinder Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next b

S1 Enull · Fri, May 19, 2023

Can't Hold This Secret Back Any Longer- Pre-Order My Book Now & Get Free Financial Freedom Toolkit!

S1 E322 · Wed, May 17, 2023

Traveling The World On A Budget + Paying Off 21K Of Student Loan Debt With Niqua V.

Niqua, Journeyer and founder of Financially Winning and Traveling With Niqua, joins the Journey to Launch podcast to share how she paid off $21,000 of student loan debt while balancing a full time job and traveling the world. Her inspiring debt payoff story and her captivating travel experiences earned her recognition in Travel Noire. She's been to over 30 countries and 30 states and helps others travel more with tips, hacks and strategies. In this episode, you’ll learn more about: Practical tips on maximizing PTO, remote working, and benefits so you can travel throughout the year  How Niqua’s upbringing influenced her decision to pay off $21,000 of student loan debt The best free and cheap travel deals Niqua has scored because of credit card travel hacking Traveling tips and tricks: apps to use internationally, reducing phone bills while abroad, travel strategies you may not have thought of + more Other Links Mentioned in episode: How One Black Woman Conquered 21K Of Student Loan Debt In 11 Months, While Traveling The Traveling Child The Mom Trotter Airalo Travel.State.Gov   CBP Mobile Passport Control Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stabili

S1 E321 · Wed, May 10, 2023

Navigating Money Conversations, Setting Personal Finance Boundaries + Learning How To Say “No” With Erin Lowry

Erin Lowry, “financial translator” and award-winning author, joins the podcast for a third time to chat about navigating tough money discussions with your loved ones, giving yourself permission to spend and why it’s important to evolve your perspective around money as you age and experience life. Erin has four books in total, speaks at events across the country and has been featured in The Wall Street Journal, The New York Times, CNBC, and more. We also discuss listening to yourself instead of chasing clout, realistic writing tips and Erin’s new book, Broke Millennial Workbook. In this episode, you’ll learn more about: The power of staying off social media and focusing inwards  Permission to change your mind when it comes to personal finance advice  How to navigate difficult money conversations with loved ones + scripts you can use right now  What is revenge spending, how money is tied to the different seasons of your life + more Enter for a chance to win a copy of Erin's book; Broke Millennial Workbook by going to journeytolaunch.com/win Other Links Mentioned in episode: Leveling Up Your Money & Investing With Erin Lowry How To Navigate Awkward Financial Conversations With The People In Your Life W/ Erin Lowry Die with Zero by Bill Perkins Get Erin's book, Broke Millennial Workbook Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my <a

S1 E320 · Wed, May 03, 2023

Quitting Social Media, Prioritizing Connection over Consumption & Following Your Purpose With Isa Watson

Isa Watson, founder and CEO of Squad , an app that takes you and your friends off of social media, and author of new book Life Beyond Likes, joins the podcast to discuss prioritizing connection over consumption and how we can all strive to live a more authentic life offline. We also talk about the true timeline of switching careers, how being yourself has a big ROI and dating your friends. In this episode, you’ll learn more about: The traumatic event that changed the trajectory of Isa’s life How Isa navigated away from her corporate career to tech entrepreneurship What building a network looks like offline, being intentional with your mentorships and connections, and the power of empathy Examining how we seek validation through others on social media and striking a balance between flexing for likes and living for yourself Prioritizing connection over consumption, the pros and cons social media has on society as a whole + more Other Links Mentioned in episode: Check out Isa's book, Life Beyond Likes: Logging Off Your Screen and Into Your Life Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here ! Connect with Isa: Website <a href="https://

S1 E319 · Wed, April 26, 2023

Financial Activism, First Gen Immigrant Hustle & Why Money Conversations Need to be Loud w/ Berna Anat

Berna Anat, award-winning producer, speaker, podcast host, rich auntie in training, and “Financial Hype Woman,” joins the podcast to chat about immigrant financial trauma, living out loud with your money and how she went from paying off over $50,000 of debt to becoming a new author.  We also talk about the importance of taking breaks, her response to the strike carried out by the workers involved in producing her book, leveraging your finances to combat injustice, and more.  In this episode, you’ll learn more about: Why you need to bring your whole self and your whole financial story into your money life  The First-Generation Alpha Kid experience + what being a daughter of immigrants means in the money realm How to approach giving you family financial help and the importance of establishing boundaries Pros and cons of immigrant hustle mode + why it can be your superpower or kryptonite  Financial activism, speaking up for your community, calling out capitalism + more Other Links Mentioned in episode: Listen to Berna's First Interview on the Journey to Launch Podcast First Gen Alpha Kid Experience IG Reel Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here ! Connect with Berna: Webs

S1 E318 · Wed, April 19, 2023

Investing for Wealth Accumulation & Exploring Direct Indexing with Rich Compson of Fidelity Investments

The introduction of mutual funds was a game-changer for the average American, allowing them to gain access to financial markets once only the wealthy had access to. Then ETFs came along and helped with diversification and potential tax efficiencies with intraday trading.  What’s next? Rich Compson, Head of Wealth Management at Fidelity Investments joins us on the Journey To Launch podcast to discuss how “direct indexing” is the next evolution of market access for Americans. We also talk about general investing topics and why investing is important to building wealth.  In this episode, you’ll learn more about: Definitions and basic concepts of investing  The order of operations for successful (and financially responsible) investing Why technology and social media has made investing more affordable + accessible What Direct indexing is, the benefits of tax loss harvesting, how you can start direct indexing today + more For more check out Direct Indexing Overview by Fidelity here . Other Links Mentioned in episode: For more check out Direct Indexing Overview by Fidelity here .  Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!<

S1 E317 · Wed, April 12, 2023

Taking $50k From A Taxable Brokerage Account To Buy A Car & Learning To Enjoy Money Now with Andy Hill

Andy Hill, host of the podcast, Marriage Kids And Money, joins the Journey to Launch podcast to discuss his most recent financial decision: taking $50,000 out of his taxable brokerage account to purchase a new car.  We dive into the importance of making financial decisions based on personal values and life goals instead of following what everyone else is doing. Andy also shares his practical tips on car buying and the power of F-U money.  In this episode, you’ll learn more about: Why Andy decided to liquidate a taxable brokerage account for a depreciating asset (i.e. his new car) Reasons why you should enjoy your money now and use it to elevate your life experiences The power of f-u money, operating from abundance instead of fear, and always learning new things Reducing financial anxiety, how long a financial freedom journey can take, + more Watch the video to this episode at YouTube.com/journeytolaunch Other Links Mentioned in episode: Listen to Andy on Episode 32: A Conversation About Marriage, Kids & Money Check out Andy's Make My Kid a Millionaire course here. Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here ! </u

S1 E316 · Wed, April 05, 2023

The Power Of Budgeting, Pivoting To Entrepreneurship, & Money Made Easy With Allison Baggerly

Allison Baggerly, author, podcaster, and founder of Inspired Budget, joins the Journey to Launch podcast to discuss her personal finance evolution as a former teacher in debt to successful entrepreneur and author. Allison and her husband paid off over $100k of debt while growing their family. During the process, she learned how to take back control of her money, stay consistent with paying off debt, and stop emotional spending once and for all. Now, she runs Inspired Budget full-time, is a nationally recognized money coach, and is releasing her first book, Money Made Easy. We chat about how you can balance your financial future while living spontaneously, the power of keeping your money simple, how Allison made the move to full-time entrepreneurship and more. In this episode, you’ll learn more about: How to reimagine your skill set in another profession or career Why having a plan of action with your money reduces guilt around spending  The importance of communication and transparency in your relationship when it comes to finances and entrepreneurship What types of control budgeting allows you to have + permission to let go of budgeting later on in your financial freedom journey  Tips on how you can plan for your financial future and goals while enjoying living your life now + more Check out the video of this episode on YouTube, here !  You can enter for a chance to win a free copy of Allison's book, Money Made Easy by going to  journeytolaunch.com/win . Listen to episode 98- Paying Off $111,000 Of Debt In 4.5 Years On A Teacher’s Salary With Allison Baggerly Purchase Allison's book:  Money Made Easy Check out my new personal website  here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journe

S1 E315 · Wed, March 29, 2023

Quitting Corporate America, Accomplishing Goals Through Fear, & Betting On Yourself Kim Rittberg

Kim Rittberg, former media executive at Netflix and People Magazine, joins the podcast to discuss how she was able to pivot from corporate America to her own business helping independent professionals and brands be better on camera and make unforgettable video and podcast content to grow their business.  Kim is an award-winning video and content expert working across social media, television, digital videos, and podcasts. She spent 15 years as a media executive and launched the first ever video unit for Us Weekly. She also hosts the Mom's Exit Interview podcast, which was spurred by her decision to quit corporate and launch her own business.  We chat about not being defined by our loses or wins, why it’s okay for you to pivot if your life changes direction. In this episode, you’ll learn more about: Why Kim quit corporate America even though she loved her job Deciding to bet on yourself and go for what you want despite fear and doubt How to gain confidence on camera starting with working on confidence within yourself What the PATCH framework & the three E’s are + more Check out the video of this episode on YouTube, here ! Other Links Mentioned in episode: Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated

S1 E314 · Wed, March 22, 2023

Love, Money + Navigating Difficult Conversations Before You’re Ready With Myra Strober & Abby Davisson

Myra Strober, labor economist and Professor Emerita at Stanford University and Abby Davisson, social innovation leader and career development expert, join the Journey to Launch podcast to discuss how to make conscious decisions about money with love as the primary framework. We chat about the intellectual roadmap for life’s biggest decisions, why we need to have difficult conversations before we’re ready and how love and money are intertwined in all of life’s challenges and phases. In this episode, you’ll learn more about: Making decisions about money with love at the forefront of consideration What the 5 C framework is and how you can implement them in your life right now  Why you should be having conversations about personal topics alongside the professional ones How to be an agent of change within the institutions you participate in  The importance of checking in with those you admire and trying to anticipate the consequences of life’s choices + more You can enter for a chance to win one a free copy of Myra's and Abby's book,  Money and Love , by going to  journeytolaunch.com/win . Check out the video of this episode on YouTube,  here ! Other Links Mentioned in episode: Read Money and Love by Myra and Abby Strober & Davisson Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money

S1 E313 · Wed, March 15, 2023

Letting Go of Financial Worries, Fear, and What Wellness “Should” Look Like With Jessamyn Stanley

Jessamyn Stanley, internationally-acclaimed voice in the wellness industry and author, joins the Journey To Launch podcast to discuss how yoga has the power to change lives, why creatives have an obligation to make money for the betterment of their communities and the importance of promoting equity in the health industry. We chat about showing up authentically on social media overcoming fear and more. In this episode, you’ll learn more about: Jessamyn’s accidental path to becoming a wellness industry thought leader Why self-care and spending are integral to showing up as the best version of yourself What you can do today to let go of fear and move toward your goals How creatives can and have an obligation to reframe how to ethically make money  The importance of letting go of money + more  Check out the video of this episode on YouTube, here! Other Links Mentioned in episode: Check out Jessamyn's book: Every Body Yoga: Let Go of Fear, Get On the Mat, Love Your Body. Check out Jessamyn's Book: Yoke: My Yoga of Self-Acceptance Read Rachel Rodgers Book: We Should All Be Millionaires  Listen to Episode 213: How To Achieve A Million Dollar Mindset And Business With Rachel Rodgers Listen to Episode 309: The Price Of Beauty: Exploring The Pros And Cons Of Higher Maintenance Beauty Services Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the

S1 E312 · Wed, March 08, 2023

Paying Off $60k Of Debt, The Netflix Effect & Saving Money On Groceries With Toni Okamoto

Toni Okamoto, founder of Plant Based On A Budget and podcast host, joins the Journey To Launch podcast to talk about her new book, “ Plant-Based on a Budget Quick & Easy: 100 Fast, Healthy, Meal-Prep, Freezer-Friendly, and One-Pot Vegan Recipes,” and how she “fell” into entrepreneurship.  Plant Based On A Budget began in 2012 as a passion project, but swiftly turned into an online empire with over 1M followers across social media. Toni went full-time in 2016 and hasn’t looked back. Since then, she secured a Netflix documentary feature on “What The Health,” and successfully leads a team of 6, spreading the word of accessible and affordable plant based meal options globally. We chat about expectations you can have as a business owner in the online space, why she views Plant Based On A Budget as a form of activism and how you can save money on groceries. In this episode, you’ll learn more about: How long it actually took Toni to make a profit with her passion project, Plant Based On A Budget + why you should adjust your expectations if you want to start an online brand Why staying open and curious is a key skill in entrepreneurship and can lead to massive opportunities What you can do right now to save money on healthy meals you will enjoy that will actually leave you and your family feeling satisfied  Tip and tricks to get your kids into veggies + more  Check out the video of this episode on YouTube, here! Other Links Mentioned in episode: Bean Salad: https://www.tiktok.com/@plantbasedonabudget/video/7124502837563854122?lang=en Grab a copy of Plant-Based on a Budget Quick & Easy: 100 Fast, Healthy, Meal-Prep, Freezer-Friendly, and One-Pot Vegan Recipes by Toni Okamoto Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch vo

S1 E311 · Wed, March 01, 2023

Paying Off $30k of Debt, Breaking Up With Financial Diet Culture & Enjoying The Journey Along The Way With Nicole Stanley

Nicole Stanley joins the Journey To Launch podcast to talk about all things financial diet culture and enjoying your financial journey and life. After battling crippling financial anxiety in her early 20s, Nicole decided that enough was enough. She went from $30,000 in debt to building her family’s net worth to over a quarter million dollars by age 27. Through her debt free journey, she realized she wasn't alone in experiencing money stress. She began coaching to help others change their money and mental health story.  We dive into the need for more nuance surrounding money, how frugality can actually hinder your financial success, making enjoyment a priority no matter what your money situation is and more. In this episode, you’ll learn more about: The difference between black and white thinking vs. nuance in the personal finance space Why you need to stop equating your goodness with how you spend (or don’t spend) money What financial anxiety looks like and how can you identify it ​​How to invite a good relationship with money into your life right now instead of when you complete a goal + more  Check out the video of this episode on YouTube, here! Other Links Mentioned in episode: Listen to episode 262: Die With Zero & Get All You Can From Your Money And Your Life W/ Bill Perkins Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of t

S1 E310 · Wed, February 22, 2023

How To Take Control Of Your Life, Make Big Changes & Reset Your Money With Jill Schlesinger

Jill Schlesinger, money and media legend, joins the Journey To Launch podcast to discuss how you can reset your life, her new book, “The Great Money Reset,” and how to use her Fab Five framework to discover where you really want to be on your journey to financial freedom. We discuss events that shaped Jill’s impressive career, why everyone should have a pink notebook and how life is about so much more than money. Jill is a CFP and Emmy and Gracie award-winning business analyst for CBS News. Her career is focused on translating complicated finance into understandable, relatable topics for everyday viewers and listeners. She covers the economy, markets, investing and anything else with the dollar sign. Jill also has her podcast, “Jill On The Money,” which won a Gracie for best national talk show. In this episode, you’ll learn more about: What the “Fab Five” questions are and why you need to implement them in your life Why people are afraid of change and how to move past your fears to reset your life Actionable advice on how to advance your career and “keep the faith” + more Check out the video of this episode on YouTube, here! Other Links Mentioned in episode: Listen to episode 27: The Art Of The Side Hustle With Chris Guillebeau Read Jill's book:The Great Money Reset Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach

S1 E309 · Wed, February 15, 2023

The Price of Beauty: Exploring the Pros and Cons of Higher Maintenance Beauty Services

I describe myself as a “simple” person… someone who doesn’t typically get her hair, nails, etc. done or shop for the latest and greatest fashions.  So when I decided to take on “Operation City Girl,”an exploration of what it would be like to spend money on a series of beauty related expenses (hair, eyelashes, eyebrows, nails, etc), I wasn’t sure what to expect. How would spending money on my appearance make me feel? Is a higher maintenance life “worth it?” What are the pros and cons of these services? Press play and learn all about my experience being a “material girl.”  In this episode, you’ll learn more about: What “Operation City Girl” is and how it impacted my personal finances How much getting my hair, eyelashes, eyebrows and nails cost The pros and cons of the higher maintenance beauty life + more   Check out the video of this episode on YouTube, here ! Other Links Mentioned in episode: Listen to Episode 308: How I Failed At Reaching My Financial Independence Goal But Found Financial Freedom Instead Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! <a href= "http://bronx.news12.com/category/328482/making-cents-with-kristie"

S1 E308 · Wed, February 08, 2023

How I Failed at Reaching My Financial Independence Goal But Found Financial Freedom Instead

Happy birthday to me! As I’m turning the big 4 0 – I’m reminiscing on my FIRE (Financial Independence, Retire Early) journey and sharing lessons I’ve learned along the way. Plus, I give actionable tips to help you on your financial freedom journey. It’s been a crazy decade of finding my voice and power in this space. I’m forever grateful to the Journeyers continuing to bless me with their time and trust when it comes to money, mindset and motivation.  In this episode, you’ll learn more about: How I failed at reaching my financial independence goal at 40, but found financial freedom My journey from corporate America to entrepreneurship with Journey To Launch 3 ways to moderately change your finances for big impacts  Why kids change your financial freedom journey for the better The importance of being firm in your dreams but flexible with the execution + more Other Links Mentioned in episode: Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 <a href= "https://journeytolaunch.com/ynab" target="_blank" rel= "noopener noreferrer"

S1 E307 · Wed, February 01, 2023

Building Legacy Wealth & The Road To Economic Empowerment With Dr. Pamela Jolly REWIND

This week’s Journey to Launch REWIND Podcast episode features Dr. Pamela Jolly. As a wealth strategist with over 20+ years of professional experience in the finance sector, she has impactful insights in wealth building strategies, how to economically empower people of color, ways to build legacy wealth and more.  Dr. Jolly is committed to guiding men, women, business owners, pastors and young professionals to achieving legacy wealth. She is also the CEO and Founder of Torch Enterprises, a firm committed to developing minority enterprises. Over the past twelve years, Torch has been instrumental in raising both capital and awareness for minority enterprises across the country In this episode, you’ll learn more about: How to define wealth for yourself + reclaim it in your own life What it means to create a business model around you + your values Why horizontal and vertical inequality are cornerstones for change  The power of networking, asking the right questions and influential mentors What the NarrowRoad™ is how Dr. Jolly uses it helps people + more Other Links Mentioned in episode: Episode 137-The Black Tax: The Cost Of Being Black In America With Shawn Rochester Dangerous Dreamers: The Financial Innovators Charles Merrill  to Michael Milken To Unite a Divided Nation, We Must Tackle Both Vertical and Horizontal Inequality  by Alice M. Rivlin, Allan Rivlin, and Sheri Rivlin Atomic Habits  by James Clear. Clear’s best selling book gives you real techniques to build good habits and break bad ones.  Check out my new personal website  here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! <a href= "http://bronx.news12.com/category/328482/making-cent

S1 E306 · Wed, January 25, 2023

From Undocumented Immigrant To National Reporter: How To Own Your Power + Get What You Want w/ Daniela Pierre

Daniela Pierre-Bravo, author, speaker and nationally-recognized reporter, joins the Journey to Launch podcast to discuss her path from undocumented immigrant to career success. After hustling her way through college by paying cash and working 3+ jobs, Daniela found herself using that same mindset to work her way up through 30 Rockefeller Plaza. Now, well-established in her career, she is giving us advice as a WOC through her new book, “The Other: How to Own Your Power at Work as a Woman of Color.”  We chat about taking the emotion out of advocating for ourselves in the workplace, finding a mentor to speak for you in rooms you can’t go into (yet), being strategic and having a vision for your career moves and more. In this episode, you’ll learn more about: How hustling got Daniela through college and multiple unpaid internships as an undocumented immigrant in New York City + how DACA changed her life The dichotomy between doing whatever it takes to get things done to move forward and being held back by doing whatever it takes to get things done Stepping into your power, taking up space and asking for more as a woman of color in your career and life Seeing yourself as your own LLC, negotiating as an exchange of goods, owning your narrative + more Other related blog posts/links mentioned in this episode: Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here ! Conn

S1 E305 · Wed, January 18, 2023

How To Balance a Happy Life & Financial Achievement + Pros & Cons of Quiet Quitting w/ Jason Vitug

Jason Vitug, award-winning, best-selling author, speaker and entrepreneur joins the Journey to Launch podcast to discuss why money is a path to happiness, but it doesn’t embody it. Jason, once a corporate ladder climber, found himself stressed out, burnt-out and living a life he was no longer aligned with. Through trial and error… and rest, Jason discovered the intrinsic connection between mental health and money and how people can move forward to a healthier, happier path on their financial freedom journeys.  In this episode, we also discuss: Quiet Quitting: what it is, why you need an exit plan and taking advantage of ALL your work perks What happiness dimensions are, why you need to implement them in your day-to-day life + actionable steps to make that happen TODAY The reality of knowing yourself and what makes you happy outside of a financial number or achievement  Why we need mental breaks, buying happiness by spending on wellness, stepping off the hamster wheel + more Other related blog posts/links mentioned in this episode: Small Steps To Reach Big Dreams + Going From An Observer To Main Player In Your Life Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here ! Connect with Jason: <a href="http://www.phroogal.com

Wed, January 11, 2023

From Making $30K per year to Millionaire; Tips for Boosting Your Income and Building Wealth Through Negotiation, Real Estate & Side Hustles w/ Andrew Giancola

In this episode of the Journey to Launch podcast, we chat with Andrew Giancola as he shares his journey to financial independence and full-time entrepreneurship, including his foray into ethical real estate investing and the realization that helped him build wealth quickly and efficiently.  He also talks about why he started his personal finance podcast, which now has millions of downloads, and how he became a millionaire in his 30s. In this episode, we also discuss: How Andrew went from $30k per year at age 22 to achieving his first 100k by age 25 A step-by-step guide on how to increase your income at your current job + negotiate your salary Buying into real estate in 2020 + exiting for a new entrepreneurial path of personal finance podcasting Side hustles Andrew took on to increase his wealth–including a Christmas tree stand business + more Other related blog posts/links mentioned in this episode: The Millionaire Next Door Rich Dad Poor Dad Dollar After Dollar   Bigger Pockets Podcast   Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibil

S1 E303 · Wed, January 04, 2023

4 Money Truths To Help You Succeed + Book & Business Updates

In the first Journey to Launch podcast episode of 2023, I guide you through four financial truths to help you succeed in the new year and beyond. From mindset to following your own path despite what is “correct,” I outline how you can take these fresh perspectives and actionable steps to improve your money and your life. I also give you a sneak peek into my book-writing journey (so far) and 2023 business goals! In this episode, I discuss: 4 financial truths on mindset, financial gurus and investing in yourself Why you need to act differently if you want different results When my manuscript is due, how writing has gone and what to expect in 2023 for the Journey to Launch brand + more Other related blog posts/links mentioned in this episode: How I Became a Real Estate Mogul at 22 How I Bought My Condo At 22 Years Old & My Biggest Takeaways & Lessons Learned Our Real Estate Journey Part II & How We Almost Lost $44,00 I Quit My Job: Why & How I Quit My 6-Figure Job & How This Affects My Journey To Financial Independence Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! <a href= "http://bronx.

S1 E302 · Wed, December 28, 2022

From Saving $100k to Running A Multimillion Dollar Company Focused On Giving Financial Power Back To You With Tori Dunlap

Founder and creator of Her First $100K, Tori Dunlap, joins the podcast to discuss her upcoming book, Financial Feminist: Overcome the Patriarchy's Bullsh*t to Master Your Money and Build a Life You Love . A fter saving $100K At the age of 25, Tori quit her corporate job in marketing and founded her now multimillion dollar company. Her First $100K’s mission is to fight financial inequality by giving women actual resources to better their money. Giving women choices and options makes the entire world change– and that’s what Tori and her team are focused on through their blog, social media platforms, podcast and new book. We discuss how being a novice with money is the first step to being an expert, how money doesn’t have to be difficult, the ways we can navigate and survive capitalism and more. Tori is an award-winning personal finance expert, is a member of Forbes 30 Under 30 Class of 2022, is a Money Magazine Change-Maker and has been featured in The New York Times, CNN, Good Morning America, TIME + more. In this episode, we discuss: How Tori saved $100k by age 25 + Created a Multi-Million Dollar Finance Brand Common money myths and narratives marginalized groups are told to discourage wealth building The call to use wealth as a way to build each other up and tear down fences that divide us Why you need to hone in on your “why” when it comes to your financial goals + get crystal clear with your dream life Redefining what success looks like + more Other related blog posts/links mentioned in this episode: Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-t

S1 E301 · Wed, December 21, 2022

From Celebrity Dog Walker To Celebrated Author: Following Your Dreams & Making Money As A Writer With Linda Sivertsen

Award-winning, best-selling author, writing coach, former ghostwriter, magazine editor + podcast host, Linda Sivertsen, joins the Journey to Launch podcast to discuss her exciting journey from being a celebrity dog walker in Hollywood to becoming a celebrated author. Linda’s podcast, Beautiful Writers, explores the “magic & mayhem of authoring & publishing books”. Interviewing the world’s most beloved best-selling authors to chat about writing, publishing, deal-making, spirituality, activism, and the art of romancing creativity.  We talk about combating insecurity, the important questions to ask ourselves if we’re being too complacent in life and being prepared for the opportunities that are waiting for us. In this episode, we discuss: When to identify if you’re settling instead of challenging yourself in life Practical tips to “get back” to your creative spark within yourself + guiding questions to ask yourself Finding confidence in yourself, recognizing and acting on opportunities + paying attention to what you really want How to ask the right questions to people in higher positions than yourself + cultivate social capital and communication skills The magic of being grateful in the present moment while doing the work for your next step + more Other related blog posts/links mentioned in this episode: Atomic Habits by James Clear BookMama.com Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability o

S1 E300 · Wed, December 14, 2022

Finishing What Matters Most: How To Make The Most Out Of Your Time And Attention With Productivity Expert Charlie Gilkey

Author, podcaster and entrepreneur, Charlie Gilkey, joins the podcast to shed light on what it really means to make the most out of your time and hone in on what you should focus your attention on. Charlie is founder of Productive Flourishing, a website that helps creatives, leaders, and entrepreneurs start finishing the stuff that matters. He's written several books, including an award-winning book, “Start Finishing: How to Go From Idea to Done,” and has been featured in Time, the Washington Post, the New York Times and more. We talk about the four different blocks of time, the reality and advantages of not doing “it all,” how to manage time as a neurodivergent identifying person, getting back control over our priorities and rebelling against rigid schedules.  In this episode, we discuss: Why attention is actually more valuable than time The difference between freedom from and freedom to How to implement the rule “No more than five active projects per time perspective.” Acceptable loss, honoring your priorities, headtrash + centering yourself  Avoiding the slippery slope of putting too much time, energy and attention on the economic and career projects in our lives + more Other related blog posts/links mentioned in this episode: Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here ! Connect with Charlie: <

S1 E299 · Wed, December 07, 2022

How Service Workers Can Achieve Financial Freedom & Increase Their Financial Health with Barbara Sloan

From homeless to bartending at Coyote Ugly, today's guest has gone through it all when it comes to working the service industry. Barbara Sloan is author of “Tipped: The Life Changing Guide to Financial Freedom For Waitresses, Bartenders, Strippers and All Other Service Industry Professionals,” and a personal finance expert.  She’s spent two decades working in every imaginable position in the service industry, in addition to owning and running a woman-owned construction company in Manhattan. Now, she helps other service industry professionals map their way to financial independence. We talk about the unique challenges that face over 4 million service industry professionals, how these workers can use the system to their benefit and all of the mistakes Barbara made on her own way to financial literacy. In this episode, we discuss: What a service industry professional is + their unique career and financial opportunities + challenges How to budget with an inconsistent or fluctuating income + how to build in buffers during seasonal work Advice on how service industry professionals can increase their income + begin to invest The transition from being hired at a construction company to owning it + more Other related blog posts/links mentioned in this episode: Listen to Episode 86 Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out <a href= "http://journeytolaunch.com/mystage" t

S1 E298 · Wed, November 30, 2022

Taking Ownership Of Yourself & Your Future, Listening To Your Gut + Black Wealth With Chad Sanders

Chad Sanders, author of Black Magic: What Black Leaders Learned From Trauma And Triumph , and writer on HBO Max's new show, Rap Sh!t , joins the Journey To Launch podcast to discuss his experience leaving Google and the tech industry, how to deliberately develop your creative skills in the real world and Black money and wealth. We chat about his new project, Direct Deposit , a podcast through Audible Originals, where he talks about being on the brink of wealth and what Black wealth looks like when you start earning money and more! Chad’s writing has appeared in The New York Times , SLAM magazine, Teen Vogue and more – but he isn’t only a writer and author. Since his time in tech, Chad has also directed and acted on TV series and feature films with collaborators Spike Lee, Morgan Freeman, Issa Rae and Will Packer.  In this episode, we discuss: Being scrappy with money, opportunity cost and his new financial podcast Direct Deposit The pull to choose what is safe vs. what you love and deciding to follow your passions Why it takes so much courage to leave corporate America or a stable career   Code switching, pivoting from the tech industry to the creative space, making it in Hollywood  + more Other related blog posts/links mentioned in this episode: Listen to Chad on the Direct Deposit Podcast Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. C

S1 E297 · Wed, November 23, 2022

Uncovering Your Buried Life: Accomplishing Your Dreams & Being The Architect Of Your Own Inspiration With Ben Nemtin

Ben Nemtin, number one New York Times bestselling author and the star and co-creator of MTV’s, The Buried Life , joins the podcast to discuss his new book which includes his philosophy of radical possibility and waking people up from sleepwalking their lives away. We chat about using accountability to fuel your goals, surrounding yourself with people that energize you instead of drain you, facing the fear and doing it anyway and being true to yourself no matter what. Ben has been featured on The Today Show, The Oprah Show, CNN, Fox News, NBC News, you name it– and President Obama even called Ben and The Buried Life inspiration for a new generation.  In this episode, we discuss: What Ben did when he realized he was struggling with depression and anxiety  Why surrounding yourself with inspiring people is important + necessary to living your best life and achieving your goals How to get back to what you truly want when day-to-day responsibilities and distractions take over The 10 categories of life to consider when writing your dream and/or bucket list  The power of physically writing down your dream and/or bucket list + more Other related blog posts/links mentioned in this episode: The Top Five Regrets of the Dying The Ideal Road Not Taken The Bucket List Journal Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find

S1 E296 · Wed, November 16, 2022

How Tracy Paid Off $170K Of Debt, Why We Need More Queer Voices In The FIRE Movement & Being Open About Privilege

Once blogger Tracy Levesque released her article titled, “What I learned from binge-listening to the entire Journey to Launch podcast,” I knew that I had to have her on as a guest. She joins us after paying off $170k worth of debt and jumping on the financial independence, retire early movement. We chat about the growth mindset her mom passed down to her, her entrepreneurship journey, how true wealth is providing education, curiosity, and the understanding of the value of experiences over material possessions, and why we need to have more LGBTQIA+ voices in the FIRE community. In this episode, we discuss: What sparked Tracy’s curiosity about the FIRE movement (Financial Independence, Retire Early) Building a business without a roadmap, hustling as an entrepreneur in the computer world + getting into real estate  The steps Tracy and her wife took to pay off $170,000 of debt in 10 years using the debt avalanche method + zero-balance transfers  Blind spots in the FIRE movement, using privilege for good + the call for more queer voices in the personal finance space How Tracy’s mom taught herself about the stock market and became a successful investor + more Other related blog posts/links mentioned in this episode: https://www.thetracyl.com/what-learned-from-binge-listening-to-the-entire-journey-to-launch-podcast/   https://www.suzeorman.com/products/Suze-Ormans-9-Steps-to-Financial-Freedom   https://podcasts.apple.com/us/podcast/do-you-love-it-or-just-want-it-how-to-stop-stress-spending/id1461493560?i=1000492325693   https://getgoodwithmoney.com/ https://podcasts.apple.com/us/podcast/financial-freedom-with-jamila-souffrant-part-1/id1535490511?i=1000536122027   https://www.thetracyl.com/how-we-paid-off-170000-of-debt-in-10-years/ <li style="font-weight: 400;" aria-l

S1 E295 · Wed, November 09, 2022

Life After Debt, Achieving Financial Freedom & Quitting Law For Full-Time Entrepreneurship With Cindy Zuniga-Sanchez

Cindy Zuniga-Sanchez, Esq., founder of Zero-Based Budget and new author of “ Overcoming Debt, Achieving Financial Freedom Book: 8 Pillars to Build Wealth,” joins the Journey To Launch podcast to discuss her upcoming book and quitting law to pursue entrepreneurship. We talk about how she was able to achieve Coast FIRE (Financial Independence Retire Early), leave her law firm to run her business full-time, and the importance of being transparent about your money and your vision with those you love and value. In this episode, we discuss: How Cindy took a balanced approach when paying off her $200k law school degree in 4 years The difficult decision Cindy had to make between practicing law and running her business + money transparency when choosing to be self-employed  Why you need “back up” funds to mitigate risk + take worst case scenarios into consideration if you’re deciding to leave a secure job Budgeting strategies and techniques you can use to transform your finances (even if you don’t like budgeting) What a career-shift conversation needs to look like with your partner and loved ones + more Other related blog posts/links mentioned in this episode: Overcoming Debt, Achieving Financial Freedom: 8 Pillars to Build Wealth Listen to Cindy's previous episode on the Journey to Launch Podcast- Episode 159- How Cindy Zuniga Paid Off $215,000 Of Debt In 48 Months Journeytolaunch.com/mystage   Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 <a href= "https://journeyto

S1 E294 · Wed, November 02, 2022

How Ariana Paid Off $68K of Credit Card Debt, Quit Her Job & Found A Budgeting System That Worked

Ariana Rodriguez joins the Journey To Launch podcast to talk about her experience on the new Netflix documentary, “Get Smart With Money” and how she was able to turn her finances around. We chat about how she used her skills to begin a side hustle, that eventually allowed her to quit her job, the power of forgiving yourself of past money mistakes, automating your money and more. In this episode, we discuss: The internal struggle and mindset that plays a role in the cycle of debt and debt repayment How Arianna pivoted from an education career to tech project management in order to increase her income  Leveraging skills for side hustles to speed up the debt payment process What the “should lifestyle” is and why it keeps people stuck in the debt system Why financial freedom is possible and attainable at any level + more Other related blog posts/links mentioned in this episode: https://www.youneedabudget.com/   https://journeytolaunch.com/episode243/ https://arianarodriguez.co/ Journeytolaunch.com/mystage  Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my <a href="https://journeytolaunch.com/ynab" target="_blank" rel="noopener noref

S1 E293 · Wed, October 26, 2022

How To Be a Future Millionaire: Teaching Gen Z About Financial Freedom, & Letting Go Of The American Dream With Dan Sheeks

Dan Sheeks, owner and founder of Sheeks Freaks, an online community helping young people live their best lives by making smart money decisions, joins the Journey To Launch podcast to talk about his passion for helping teenagers get on the path to become millionaires.  Achieving early financial independence is an option most people don’t know even exist, which is why Dan spends his career making financial freedom education available to Gen Z and High Schoolers. We chat about his new book, “ First to a Million: A Teenager’s Guide to Achieving Early Financial Independence”, how to convince teens to care about money (hint: you can’t), and why the American Dream needs a perspective shift.   In this episode, we discuss: Dan’s definition of financial independence and financial freedom The power of learning about financial independence early and showing the next generation that it’s possible Roth IRAs, 401ks, taxable investments, and the best option for just getting started in the world of investing Convincing Gen Z to care about their financial future, a case study in early financial independence, + “planting the seed”  The four mechanisms of early financial independence + more Other related blog posts/links mentioned in this episode: Check out Dan's book First to a Million. Journeytolaunch.com/mystage  Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Fi

S1 E292 · Wed, October 19, 2022

Episode 292- Building a Community, Using Entrepreneurship to Build Personal Wealth & Scaling a Business w/ Pat Flynn & Matt Gartland

Pat Flynn, entrepreneur, author and podcaster founder of Smart Passive Income (SPI) , and Matt Gartland, COO of SPI  join the Journey To Launch podcast to discuss all things entrepreneurship, building a community, and how to be a successful business owner. In 2008 Pat Flynn was laid off from his dream job. Turns out, that was the best thing that could have ever happened to him. Now, he hosts a podcast with over 80M downloads, has published multiple books, is an angel investor, and has teamed up with Matt Gartland, tech industry and startup venture veteran, to scale and grow his entrepreneurial empire. We chat about scaling and growing a business, building personal wealth after entrepreneurial success, adopting a four-day workweek, and more. In this episode, we discuss: The decision to remain a company of one or scale your business and hire a team Why it’s important to “date” your potential business partner before you combine forces Balancing being a visionary and working with an integrator in your business How to make money with your zone of genius + identifying as a “community company” Traits and characteristics that make a successful entrepreneur & what you need to focus on when starting out + more Other related blog posts/links mentioned in this episode: Check out Company Of One: Why Staying Small Is the Next Big Thing for Business Check out the Rocket Fuel: The One Essential Combination That Will Get You More of What You Want from Your Business https://www.smartpassiveincome.com/community/ Journeytolaunch.com/mystage  Check out my new personal website here. Join The  Weekly Newsletter List <a h

S1 E291 · Wed, October 12, 2022

Spend Your Way To Wealth & Freedom w/ Sam Dogen

Sam Dogen, creator behind the popular blog, The Financial Samurai joins the Journey To Launch podcast to talk about his new book, “Buy This Not That: How To Spend Your Way To Wealth And Freedom”. Sam and I chat about using money in a way that maximizes your ability to build wealth and live life on your own terms to achieve Financial Freedom & Independence. In this episode, we discuss: The 70/30 decision making framework philosophy  The difference between good debt & bad debt How to build wealth in the offensive position  How to negotiate a severance package and leveraging loyalty + more Enter for your chance to win a copy of Buy This Not That: How To Spend Your Way To Wealth And Freedom . The giveaway will be open from October 12th 2022- October 17th 2022. Five winners will be announced on October 18th! (must be 18+ & a US resident to enter). Go to journeytolaunch.com/win  to enter. Other related blog posts/links mentioned in this episode: https://financialsamurai.com/news https://financialsamurai.com/btnt Journeytolaunch.com/mystage  Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated l

S1 E290 · Wed, October 05, 2022

Listener Q&A: Passing Down Generational Wealth, Should You Buy A Home & How To Live A Richer Life w/ Ramit Sethi

New York Times best-selling author of I Will Teach You To Be Rich and personal finance advisor and entrepreneur, Ramit Sethi, returns to the Journey To Launch podcast to deepen the answers to all of your burning questions.  In this community Q&A format, you’ll learn even more about how to live a rich life, as defined by you, and take control of your money. In this episode, we discuss: How to begin teaching your children about personal finance and the value of money Taking control of your money with a conscious spending plan + a clear vision of your rich life 5 questions to consider before buying a home  Getting candid about your timelines and how much you need to earn to reach financial freedom + more What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here ! Enter for your chance to win a copy of I Will Teach You to Be Rich: The Journal by Ramit Sethi. The giveaway will be open from October 5th 2022- October 10th 2022. Three winners will be announced on October 11th! (must be 18+ & a US resident to enter). Go to journeytolaunch.com/win  to enter. Other related blog posts/links mentioned in this episode: How To Live A Rich Life & Make Your Own Money Rules W/ Ramit Sethi   I Will Teach You to Be Rich, Second Edition: No Guilt. No Excuses. No BS. Just a 6-Week Program That Works I Will Teach You to Be Rich: The Journal: No Complicated Math. No More Procrastinating. Design Your Rich Life Today Iwillteachyoutoberich.com/earnable <a href="ht

S1 E289 · Wed, September 28, 2022

Retiring at 30yrs Old & Living A Full Life On $20k A Year W/ Purple

If you didn’t have to work again for money, what would you really do with your time? We often hear about retiring early in the context of someone quitting their corporate job to work on their own business. But what if you truly didn’t have to work and could really live your life on your own terms?  On this episode of the Journey To Launch Podcast, we have a returning guest, Purple who shares her life after early retirement.  Purple retired from corporate America with a portfolio of $500k+ at the young age of 30 right before the 2020 pandemic. She explains what she does with her time now that she is no longer working, how she strives to live an intentional, purpose driven life, and how the pandemic was a catalyst for exiting the work-force. In this episode, we discuss: How fear during the pandemic pushed Purple to retire early Realistically living off of $20,000 + what that lifestyle looks like The nomad lifestyle + how it saves Purple money Strategies for withdrawing money, what a Roth Conversion ladder is, + more What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here ! Other related blog posts/links mentioned in this episode: https://apurplelife.com Journeytolaunch.com/mystage  https://journeytolaunch.com/episode126/   Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  W

S1 E288 · Wed, September 21, 2022

How To Protect Your Wealth On Your Financial Freedom Journey

Building wealth is something talked about often. What isn’t normally discussed? Protecting that wealth you’re working so hard to build! In this solo episode, I talk about how to protect yourself, your assets, and the people you love as soon as you’re able. You don’t have to wait until you’re “older” or wealthy to check off these boxes. Start risk management and wealth protection today and become a wealthy person by acting like one now. In this episode, I discuss: Why we hired a financial planner (even though I’m a “money expert”) The importance of having a safe and physically protecting important documents Taking the time to secure the appropriate beneficiaries for all of your assets/accounts Understanding your insurance options + more What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here ! Other related blog posts/links mentioned in this episode: https://journeytolaunch.com/episode33/   https://journeytolaunch.com/episode200/   https://amzn.to/3ROMVbG   Journeytolaunch.com/mystage Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using

S1 E287 · Wed, September 14, 2022

Balancing Financial Goals & Enjoying Your Money + How We Paid For Our Most Expensive Vacation

Balancing how to be financially responsible for long term wealth and spending in the moment so that you can live an intentional, fulfilling life is not always easy to do. In this solo episode, I talk about how I make those spending vs saving decisions for myself and give you six questions to ask yourself before you splurge/make a purchase. I also talk about how we paid for our 10-year anniversary trip to St. Lucia and our Brooklyn basement remodel. The balance of saving and investing vs. enjoying your hard earned money How we decided to spend money on our 10-year anniversary trip and basement remodel Giving yourself permission to change what you spend money on and indulge in your priorities Questions to ask yourself when deciding on spending money + more What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here ! Other related blog posts/links mentioned in this episode: Check out the book Profit First   https://journeytolaunch.com/episode262/ Die with Zero Book Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 <a href= "https://journeytolaunch.com/ynab" target="_blank" rel= "n

S1 E286 · Wed, September 07, 2022

How To Lean Into Rest, Let Go Of Expectations, & Outsource For Peace

In this solo episode I give you Journey To Launch business updates and what I’ve been up to personally (or not up to) over the last couple of months. I discuss how I’ve been preparing for my upcoming busy season of life, why taking advantage of rest is important, and the main takeaways from summer 2022.  In this episode, I discuss: The benefits of taking advantage of no structure and seasons of rest  How to enjoy and take a grateful approach to your day-to-day life Editing your life to focus on what serves you instead of what drains you The importance of social capital + not tying your worth to numbers Updates on business, my family, basement renovations, + more  Other related blog posts/links mentioned in this episode: Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link .</l

S1 E285 · Wed, August 31, 2022

Your Money or Your Life: Transform Your Relationship With Money & Achieve Financial Independence W/ Vicki Robin REWIND

Vicki Robins, the co-author of “Your Money or Your Life” has been one of the most influential visionaries of the Financial Independence movement. In the late 1960’s, with the advice of the late Joe Dominguez, Vicki reached Financial Independence and together they began to teach their revolutionary methods all over the nation. Their workshops featured the famous 9 steps to reach Financial Independence and eventually, Vicki and Joe were approached to turn their teachings into the book that we know today, "Your Money or Your Life". The book went on to be wildly popular, encouraging people to fight against the weight of consumerism and become a New York Times bestseller. Vicki also made two appearances on the Oprah Show with Oprah declaring that the book "would change your life". More than 25 years later, Vicki has written an updated version of the book for a new generation of people on the path to Financial Independence. I'm so honored to have Vicki on the show to discuss: How Vicki met the late co-author Joe Dominguez and how they worked to create the Financial Independence movement How their book “Your Money or Your Life” came to fruition and became popular. Why Vicki set out to create an updated version of the book The importance of relationships and how they create community wealth Why “freeing your mind” is the cornerstone of Financial Independence The definition of the “Enough Point” How to calculate your life energy and true hourly wage What Vicki believes to be the most transformational steps of the 9 steps from the book How Vicki believes the new version of “Your Money or Your Life” will impact the world in this new age The bigger picture of systemic barriers in the United States that make achieving Financial Independence more difficult Other related blog posts/links mentioned in this episode: Life Energy Calculator How We Saved $169,000 in 2 Years With the Help of This Budgeting System Buy Your Money or Your Life  Check out my new personal website  here. Join The  Weekly New

S1 E284 · Wed, August 24, 2022

The Simple Path to Wealth and All You Need to Know About Index Investing with JL Collins REWIND

Your path to financial freedom and wealth doesn’t have to be complicated. This week’s Journey to Launch podcast episode lifts up the veil of overcomplicated investing strategies to show you a more simple path to wealth. Well known author and blogger, JL Collins, is on the show discussing his path to Financial Independence through index investing and his successful book,  The Simple Path to Wealth .  JL Collins went from working in an ice cream parlor for $1.25 an hour (he was 13) to accomplishing Financial Independence & Retiring Early (FIRE) before it was even a thing. In this episode, JL Collins breaks down the stock market and everything you need to know about investing in index funds.  In this episode you’ll learn:  What is F-you money and why you need it Ways to enjoy breaks or sabbaticals throughout your career What are index funds and tips on investing in the market Why your house is a terrible investment (his words, not mine) What is a Chautauqua, and so much more Other related blog posts/links mentioned in this episode: Like what you heard and want to learn more about JL Collins? Check out some of his most popular blogs on this  website :  The  Stock Series Why your house is a terrible investment F-you Money: John Goodman v. jlcollinsnh  WARNING: These videos are NOT work or kid-friendly. Watch at your own risk.  Check out JL Collins’ book,  The Simple Path to Wealth If you liked this podcast episode, you might also like: Episode 11- Rejecting Homeownership, Traveling the World & Retiring by 31 Years Old Episode 105- How To Quit Like a Millionaire So You Can Stop Working & Start Living   With Kristy & Bryce Check out my new personal website  here. Join The  Weekly Newsletter List Leave m

S1 E283 · Wed, August 17, 2022

Sylvia's Journey To Paying Off 6 Figures of Law School Debt & Becoming Financially Independent REWIND

Sylvia accrued six-figures of debt from law school and her life was greatly impacted by Hurricane Katrina while living in Louisiana. With discipline, determination, and the help of financial books such as Your Money or Your Life, Sylvia made the decision to take control of her personal finances. She took on a side-gig as a pizza delivery driver to bring in an extra $2,000 a month and adopted a frugal lifestyle to aggressively tackle her debt. Today, Sylvia has paid down a majority of her student loan debt, owns her own law firm, and is about 3 years away from Financial Independence. In this episode we discuss: Sylvia’s story of how she accrued six-figures in debt How she used a side-gig and a plan to pay off her student loans How she managed her finances and saved without an actual budget Why she continued to invest with a significant amount of debt Her big move to Seattle Her plans after retirement Her current investments The difference between a Real Estate Investment Trust (REIT) and actual real estate investment How her family has affected her decisions on the journey to financial independence Other related blog posts/links mentioned in this episode: Bigger Pockets Your Money or Your Life by Vicki Robin and Joe Dominguez  My interview with Vicki Robin, the co-author of Your Money or Your Life Automatic Millionaire by David Bach The Money Book for the Young, Fabulous, and Broke by Suze Orman Check out my new personal website  here. Join The  Weekly Newsletter List <a href= "https://www.journeytolaunch.com/voicemail/" target="_blank" rel= "noopener noreferre

S1 E282 · Wed, August 10, 2022

Atomic Habits: How Tiny Changes Spark Remarkable Results w/ James Clear REWIND

If you are wondering how it is that you can create more good habits in your life and get rid of the habits that you know are holding you back, you are going to love my chat with bestselling author James Clear on his latest book Atomic Habits. The book is a guide on how to change your habits and get 1% better every day. In this episode we talk about: The importance of habits in our lives How meaningful changes yield radical results Why we should focus on identity based habits vs outcome based habits The framework of Cur, Craving, Response & Reward and how to use it to create good habits and break bad habits Why it’s important to take small steps towards building better habits plus so much more  Connect with James Clear Websites:  https://Jamesclear.com https://AtomicHabits.com Instagram: @JamesClear Twitter: @jamesclear Connect with Jamila Website Twitter: @journeytolaunch Facebook:@journeytolaunch Instagram:@journeytolaunch

S1 E281 · Wed, August 03, 2022

Lessons About Living From the Dying and Finding Balance Between YOLO & Protecting Your Financial Future w/ Jordan Grumet

Jordan Grumet, award winning podcast host and author, joins the podcast to discuss how his experience with death and the dying pushes him to living a regret-free life where money isn’t “the” ultimate end goal.  Jordan chats with us about how the Financial Independence community has shifted, why you should consider a YOLO (You Only Live Once) stance with your money, and how to find balance in your life. In this episode we discuss: Exercises to find your purpose and identity in life before you get to the end of it Finding a balance between YOLO + protecting your financial future Why financial independence shouldn’t be “the” goal Money lessons from working with the dying  The flattening of Maslow’s Hierarchy of Needs, the parable of the three brothers, + more  Enter for your chance to win a copy of Taking Stock.by Jordan Grumet. The giveaway will be open from August 3rd 2022- August 8th 2022. Two winners will be announced on August 9th! (must be 18+ & a US resident to enter). Go to journeytolaunch.com/win to enter. Other related blog posts/links mentioned in this episode: Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . Connect with Doc G: Website <a href="http://Facebook.com/groups/earnandinvest" target= "_blank" rel="noopener"

S1 E280 · Wed, July 27, 2022

Saving $30k To Quit Corporate America & Pivot To Teaching Women How To Invest With Amanda Holden

Amanda Holden, award-winning money writer, speaker, and educator, joins the podcast to discuss all things investing through her business, Invested Development, she educates women about investing and other money topics — because Amanda believes that the world needs more women with financial power. Using a unique and effective mix of deep industry knowledge and humor, Amanda has taught tens of thousands of women how to invest. In this episode we discuss: What Amanda’s quitting corporate America process looked like + how she saved $30,000 Why Amanda turned away from her lucrative Investment Management career  The importance of emergency funds + how to turbo-charge yours Handling the emotions of investing in uncertain times  Index Funds as a long-term investment strategy, retirement account taxation, capital gains, + the risk and reward of investing + more Other related blog posts/links mentioned in this episode: Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 <a href= "https://journeytolaunch.com/ynab" target="_blank" rel= "noopener noreferrer"

S1 E279 · Wed, July 20, 2022

How To Create Healthy Boundaries in Your Personal, Professional, and Financial life w/ Nedra Glover Tawwab

Nedra Glover Webb, licensed therapist, New York Times bestselling author, and relationship expert, joins the podcast to discuss what boundaries are and how to cultivate healthy ones in our own lives. We chat about her social media stardom, with her over 1M followers, her entrepreneur path, and how boundaries give you the freedom you’re looking for in your personal, professional, and financial life.  In this episode we discuss: Navigating codependency + toxic cultural expectations What boundaries are and why you need to practice setting them The power of saying no + when it’s appropriate to give an explanation How Nedra’s 1M+ social media following allowed her to pivot to authorship The importance of identifying your values so you can more easily identify what your boundaries need to be + more Other related blog posts/links mentioned in this episode: Nedratawwab.com/set-boundaries-find-peace Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . Connect with Nedra: Website: Instagram:@NedraTawwab Twitter:@NedraTawwab <a href="http

S1 E278 · Wed, July 13, 2022

How Norly Jean-Charles Found Financial Independence, Saved Half Her Income & Bought Her Mom A Home

Norly Jean-Charles, attorney, financial independence follower, and Journeyer, joins the podcast to discuss her path from Haitain immigrant in Brooklyn to Penn Law Graduate. We chat about how her roots shaped her money narrative, why the strong women in her life are cornerstones to her success, and how she has kept her financial goals in the forefront of her life.  In this episode we discuss: Negotiating rent, being strategic with student loan debt, + living below your means The importance of exploring educational and career-based programs and resources How Haitain culture and her immigration experience shaped her money narrative How she went from a Columbia University Anthropology BA to University of Pennsylvania Law School Buying her mother’s first home in Florida during the pandemic  How Norly networked her way to a six-figure career as a lawyer + more Other related blog posts/links mentioned in this episode: https://www.prepforprep.org   https://www.abetterchance.org   https://oliverscholars.org   https://www.prepforprep.org/admissions/prep-9-7th-grade/the-boarding-school-experience   https://www.teachforamerica.org https://www.instagram.com/personalfinanceclub/ Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest

S1 E277 · Wed, July 06, 2022

How to Break Out of Your Comfort Zone, Build Generational Wealth & Scale A Business w/ Bola Sokunbi

Bola Sokunbi, finance expert, bestselling author, and founder of Clever Girl Finance, one of the largest personal finance media/education platforms for women in the U.S, joins the podcast to discuss her unique entrepreneur journey, how she “does it all” (hint: she doesn’t), and why making an impact is more of a priority to her than making money. We also go into generational poverty and wealth and why getting business education outside of social media is imperative to your success. In this episode we discuss: The danger of assuming someone’s wealth with how they look or how they paid for something Navigating making more money than your partner with open communication How Bola created her business without becoming a family liability Why you can succeed in the creative economy without baring it all The power of breaking generational poverty + more For a chance to win a copy of Bola's book, Choosing to Prosper! Triumphing Over Adversity, Breaking Out of Comfort Zones, and Achieving Dreams , go to Journeytolaunch.com/win! Other related blog posts/links mentioned in this episode: https://journeytolaunch.com/episode22/ https://journeytolaunch.com/episode106/ https://journeytolaunch.com/episode186/   https://www.clevergirlfinance.com/choosing-to-prosper/   https://www.score.org/find-mentor https://www.techstars.com Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 <a href="https://journeytolaunch.com/ynab" t

S1 E276 · Wed, June 29, 2022

Networking As A Way Of Life, Making A “You Turn” In Your Career With Ashley Stahl

Ashley Stahl, Counter-Terrorism professional turned Career Coach, international bestselling author, and Fortune 500 spokesperson, joins the podcast to talk all things life-fulfillment, intentional networking, and making a career “You Turn”.  With more than 6 million views, her TEDx Talk on intuition and fulfillment is ranked amongst the top 100 TED Talks.. In this episode we discuss: Making a “You Turn” + being completely honest with yourself despite a sunk cost fallacy The importance of knowing what regulates you + making space for that in your life What strategic networking can bring you + why it’s a way of life Why the concept of loving something 100% gets people stuck Why the vehicle for fulfillment is your intuition The 3 lily pad concept + more Other related blog posts/links mentioned in this episode: Ashley Stahl's Podcast Get Ashley's Book You Turn: Get Unstuck Discover Your Direction and Design Your Dream Career Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . Connect with Ashley: Website Instagram:@AshleyStahl

S1 E275 · Wed, June 22, 2022

From Budget Blogger To Venture Capitalist & How to Fund and Build A Successful Business with Kathryn Finney

Kathryn Finney, managing partner of Genius Guild, a $20 million venture fund and studio that invests in amazing Black founders and author of Build The Damn Thing , joins the podcast to discuss her evolution into entrepreneurship, the importance of being honest with yourself when thinking about going out on your own, and how your exit number should be your guiding force. With Kathryn’s unmatched entrepreneurial experience, she gives us actionable steps and solid advice that you can start working on today if you’re looking to build the damn thing. In this episode we discuss: The importance of being honest with yourself before you jump into entrepreneurship Figuring out your exit number so you can pursue your own venture How a budget fashion blog evolved into a venture capitalist career When it’s time to start thinking about your exit strategy Various funding options from entrepreneurs + more Other related blog posts/links mentioned in this episode: Get Kathryn's book-Build The Damn Thing Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! <a href= "http://bronx.news12.com/category/328482/making-cents-with-kristie" tar

S1 E274 · Wed, June 15, 2022

Cashing Out Into Financial Freedom + How To Leave The Rat Race With Julien & Kiersten Saunders Of rich & REGULAR

Julien and Kiersten Saunders, couple behind the award-winning blog, rich & REGULAR, producers of the award-winning video series, Money on the Table, and authors of new book, Cashing Out: Win the Wealth Game By Walking Away, join the podcast to discuss rewriting what it means to succeed with money and why cashing out is the ultimate wealth move. In this episode Julien and Kiersten unpack cultural narratives, why rest is an integral part of the wealth equation, how you can reach financial freedom in 15 years, and more.    In this episode we discuss: Giving anyone with a marginalized identity a new narrative of what it means to succeed Confronting uncomfortable truths within a traditional career in corporate America The decision behind Julien and Kiersten pulling out of real estate investing A 4 step guide to the purpose of your income: financial freedom Beginning with the end in mind when it comes to your career A more expansive definition of what luxury really means + more Other related blog posts/links mentioned in this episode: https://journeytolaunch.com/episode43   https://richandregular.com/cashingout Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . Connect with Julien & Kiersten: Website Instagram:@richandREGULAR <a href="https://twitter.com/richandreg

S1 E273 · Wed, June 08, 2022

How To Become Confident With Your Finances, Alleviate Your Money Fears, & Step Into Abundance With Alyssa Davies

Alyssa Davies, published author and founder of award-winning Canadian personal finance blog, Mixed Up Money, joins the podcast to discuss how your relationship with money is deeply connected to your mental health, why the traditional way of paying off debt didn’t work for her and her new book Financial First Aid: Your Tool Kit for Life's Money Emergencies .  We also talk about working through the scarcity mindsets we’ve picked up along our financial independence journey, giving ourselves permission to be selfish as moms, and more.  In this episode we discuss: The 3 types of emergency funds you need Her debt free journey How she manages her anxiety when it comes to money How to alleviate our fears of not having enough  Why finding a like-minded community is a powerful tool The validity of your money struggles no matter how you grew up + more Win a copy of Alyssa’s new book, Financial First Aid: Your Tool Kit for Life's Money Emergencies, here .  Other related blog posts/links mentioned in this episode: http://behindthebrilliance.com Join the waitlist for my signature course, Map Your Way To Financial Independence, here. Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . Connect with Alyssa: Website <a href="https://www.instagram.com/mixedupmoney/" targ

S1 E272 · Wed, June 01, 2022

Shifting To An Abundance Mindset, Leaning Into Your Zone Of Genius, & Winning $130,000 in Scholarships With Felecia Hatcher

Felecia Hatcher, CEO of Pharrell Williams Black Ambition Opportunity Fund, personal transformation speaker, entrepreneur, and author, joins the podcast to discuss how she went from a C-student in high school to winning $130,000 in scholarships and finding her zone of genius. We discuss her trials and errors in college, how she started entrepreneurship, what it takes to shift your perspective to receive abundance right in front of you, and more! In this episode we discuss: Felecia’s journey to winning $130,000 in college scholarships  Why being curious is the most powerful tool for your career How to navigate moving forward in moments of impossibility The importance of cultivating relationships &  expanding your network Her work with Pharrell Williams’ Black Ambition Opportunity Fund + more Other related blog posts/links mentioned in this episode: BlackAmbitionPrize.com   Join the waitlist for my signature course, Map Your Way To Financial Independence, here. Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . <strong style=

S1 E271 · Wed, May 25, 2022

Overcoming Spending Guilt, Investing When You Can, The Usefulness of Debt + More With Nick Maggiulli

Nick Maggiulli, blogger and author, joins the podcast to discuss the intersection of data and personal finance.  We talk about the numbers behind financial moves to save money, invest, and build sustainable wealth, while also combatting common absolutes in the personal finance world. Nick and I discuss the order of operations of investing, how debt isn’t always bad, why he thinks you probably shouldn’t max out your 401k, and more. In this episode we discuss: The importance of where you focus your attention in your financial life Why you need an emergency fund first and foremost How to stop the stress and guilt we feel when we spend money The 2x rule when you are able to spend The usefulness of debt + more Other related blog posts/links mentioned in this episode: Buy Nick's book: Just Keep Buying Join the waitlist for my signature course, Map Your Way To Financial Independence, here. Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . Connect with Nick: Website <a href="https://www.instagram.com/nickmaggiulli/" target= "_bl

S1 E270 · Wed, May 18, 2022

Retiring Early, Paying Off The Mortgage, & Having Space To Focus On Joy With Journeyer Leilani Reed-Logan

Leilani Reed-Logan, Journeyer and financial independence (FI) enthusiast, joins the podcast to discuss how Journey To Launch changed her life and why she is choosing happiness above all else, thanks to her newfound financial freedom at age 45. We talk about why Leilani decided to set out on the path to FI, despite being “older,” the lessons she learned from listening to this podcast, and how COVID became the catalyst for her to walk away from corporate America forever. In this episode we discuss: Why Leilani stepped away from a $200,000 per year salary job  Choosing what sparks joy in your life over everything else The ways financial independence changed Leilani’s life  Steps Leilani took to pay off her mortgage early How you can increase your career income + more  Other related blog posts/links mentioned in this episode: https://www.journeytolaunch.com/episode141 https://www.journeytolaunch.com/episode40 Join the waitlist for my signature course, Map Your Way To Financial Independence, here. Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podca

S1 E269 · Wed, May 11, 2022

Overcoming Distractions & Discovering What Truly Matters with Joshua Becker

Joshua Becker, Wall Street Journal best-selling author, joins the podcast to discuss how to eliminate common obstacles to discover what truly matters in your life.  Joshua is passionate about helping people recognize what is hindering their happiness and live with no regrets. We discuss problematic narratives in the Financial Independence, Retire Early Movement, why being selfless will lead to a more fruitful life, and actionable steps to rid yourself of distractions. In this episode we discuss: The 8 distractions: fear, past mistakes, the selfish pursuit of happiness, money, possession, accolades, leisure, and technology How serving your community and having empathy for others allows you to avoid the “Me Monster” How the greatest benefit of generosity is when we realize we already have enough An exercise to overcome the narrative of “I don’t have enough money.” Getting to the end of your life and not regretting it, because you were able to focus on things that matter, more than just making more money + more Other related blog posts/links mentioned in this episode: Episode 64- Your Guide To Becoming A Minimalist & Simplifying Your Life W/ Joshua Becker Get Joshua's Book- Things That Matter: Overcoming Distraction to Pursue a More Meaningful Life Why Work by Dorothy Sayers Join the waitlist for my signature course, Map Your Way To Financial Independence, here. Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! <li

S1 E268 · Wed, May 04, 2022

How To Design Your Intentional Life & Pursue What You Really Want

In this solo episode I discuss the importance of starting within ourselves when it comes to our life and financial journeys. Challenging the dreams and goals we’ve created or wish to create is the first and most vital part of being intentional with designing a life you want to live.  While numbers are certainly important, at the end of the day, they aren’t what truly matters. If you’re looking for actionable ways to map out the life you want to live, give this episode a listen. In this episode I discuss: 2 Exercises to narrow down what you want your life to look like  Why the why is more important than the financial numbers The importance of finding what makes you happy now  How living without self-judgment and shame can elevate your life + more Other related blog posts/links mentioned in this episode: https://tim.blog/2017/01/12/how-to-design-a-life-debbie-millman/ https://www.designmattersmedia.com https://www.kinderinstitute.com Join the waitlist for my signature course, Map Your Way To Financial Independence, here. Check out my new personal website here. Join The  Weekly Newsletter List <a href="https://www.journeytolaunch.com

S1 E267 · Wed, April 27, 2022

Building Multiple Streams Of Income, Diversifying Your Passions, And Knowing Your Why With NFL Player Brandon Copeland

Brandon Copeland, NFL player, entrepreneur, and philanthropist, joins the podcast to discuss his journey towards multiple streams of income and the importance of knowing your why in life.  Through his dream of giving back to his community and having his money make more money, Brandon has been able to get out from under the “fickle” nature of professional athlete volatility and build a life he is passionate about. At one point, Brandon was also saving up to 90% of his NFL salary.  With his wife Taylor, Brandon operates two real estate companies and Beyond the Basics Inc. , a nonprofit organization helping young kids realize their true potential. He also teaches “Life 101” at his alma mater, the University of Pennsylvania, arming students with the knowledge to make confident money decisions. Brandon, also known as Prof. Cope has played for the Baltimore Ravens, the Tennessee Titans, the Detroit Lions,  the New York Jets, the New England Patriots and currently plays for the Atlanta Falcons.  In this episode we discuss: What led Brandon to have a dynamic career outside of the NFL The importance of making your businesses, hobbies, and passions easier so you can buy back time Why you need to leave competition on the field and out of personal finance Navigating disappointments and rejections in your career The power of leveraging your authenticity + more Other related blog posts/links mentioned in this episode: Brandon Copeland's Ted Talk Subject.com Life101.io Join the waitlist for my signature course, Map Your Way To Financial Independence, here. Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my lates

S1 E266 · Wed, April 20, 2022

Launching Financial Grownups & Teaching Your Children About The Importance Of Money With Bobbi Rebell

Bobbi Rebell, Certified Financial Planner, podcaster, and author of “Launching Financial Grownups,” joins the podcast to discuss how to help your almost adult kids become money smart. We discuss everything from Bobbi’s early career as a journalist to her swift pivot into entrepreneurship and the passion behind her new book, teaching parents that it’s never too late to instill healthy personal finance habits in their children. In this episode we discuss: The power of supporting your child’s career interest Having realistic money conversations with your children Why you need to let your children make mistakes with money  How thinking in the long-term as a parent is more sustainable than the short-term The balance of gifting generational wealth and teaching your children the value of hard work + more Other related blog posts/links mentioned in this episode: Journeytolaunch.com/episode45 Grownupgear.com @drbradklontz Indiegogo.com/projects/meatball-town-a-musical-comedy#/ Bobbirebell.com/launchingfinancialgrownups Bobbirebell.com/financialgrownupblog Join the waitlist for my signature course, Map Your Way To Financial Independence, here. Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! <a href= "http://bronx.news12.com/category/328482/making-cents-with-kristie"

S1 E265 · Wed, April 13, 2022

How A Career Break Turned Into Moving Abroad & Financial Independence With Lawyer Turned Expat Roshida Dowe

Roshida Dowe, founder of Shida’s on the Loose and expert on helping would-be-adventurers come out of hiding, joins the podcast to discuss how she was able to pivot from lawyer to expat by paying down debt and taking the leap into solo travel. Roshida left her career, home, and daily responsibilities for the life of her own design and shows us how we could do the same thing… if we’re brave enough to face our finances and the changes we need to make in our lives. In this episode we discuss: The power of recognizing your autonomy Why jobs should not define or run our lives  The ability to create a community wherever you land How paying off debt was essential for her travel journey The true cost of overestimating the amount you need to take advantage of opportunities + more Other related blog posts/links mentioned in this episode: Join the waitlist for my signature course, Map Your Way To Financial Independence, here. Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 <a href="https://journeytolaunch.com/ynab" target="_blank" rel= "noopener nor

S1 E264 · Wed, April 06, 2022

From Hoarding Money To Enjoying Money & My Financial Freedom Evolution

In this solo episode, I share my thoughts on Bill Perkin’s new book, Die With Zero: Getting All You Can From Your Money and Your Life , and how my own financial independence journey has changed and evolved in the last several years.  Since I began the Journey To Launch podcast and left my corporate job to pursue full time entrepreneurship, my philosophy on Financial Independence has shifted. Now, instead of saving and investing to just save and invest, I look at it through the lens of, “How can I maximize my life and live it to the fullest, while also passing down wealth?” In this episode I discuss: The importance of recognizing short-term goals instead of just our long-term ones How spending money can build a healthy family financial foundation Gifting your kids assets before they’re too old to not use them  Why sometimes you really can’t DIY your life The impact Die With Zero had on me as a creator and business owner + more Other related blog posts/links mentioned in this episode: Journeytolaunch.com/episode262/ Amazon.com/Die-Zero-Getting-Your-Money/dp/B08YS2Z2QH Get your ticket to the Mamas Talk Money event April 8-10th and get $5 off by entering the code “JTL” at checkout https://www.journeytolaunch.com/legacy Join the waitlist for my signature course, Map Your Way To Financial Independence, here. Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my

S1 E263 · Wed, March 30, 2022

How to Create A Legacy & Pass Down Generational Wealth Beyond Money With Chelsea Brennan

Chelsea Brennan, hedge fund investor turned online entrepreneur, joins the podcast to discuss the idea of creating a legacy and passing down generational wealth that goes far beyond any monetary amount.  Chelsea is owner and founder of Smart Money Mamas, a brand dedicated to helping moms make their money work for them and embrace their ambitions, which includes showing them how to cultivate a healthy relationship with money for their families now and far into the future. In this episode we discuss: Why generational wealth goes far beyond money  What does it mean to create and pass down a legacy How do you cultivate a legacy for your family, your children Instilling problem solving and a growth mindset in your children The importance of setting money values and a family financial ecosystem + more Other related blog posts/links mentioned in this episode: Get your ticket to the event on April 8-10 and get $5 off by entering the code “JTL” at checkout https://www.journeytolaunch.com/legacy Chelseas’s previous episode: https://journeytolaunch.com/episode175 Smartmoneymamas.com Join the waitlist for my signature course, Map Your Way To Financial Independence, here. Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . Connect with Chelsea: <a href="https://smart

S1 E262 · Wed, March 23, 2022

Die with Zero & Get All You Can From Your Money and Your Life w/ Bill Perkins

Bill Perkins, author and founder, managing partner and head trader for Skylar Capital, joins the podcast to discuss how to live your best life no matter your income and his two decades of experience in the trading industry. We talk about the importance of balancing your financial goals with your time-appropriate life experiences and adding joy in your life right now while being intentional with what you want to do. Bill’s book, “Die With Zero,” has been featured in The New York Times, Mr. Money Mustache, Success, and more. In this episode we discuss: How to enjoy your money and time now, instead of restricting yourself to the point of robbing you of your life Balancing optimizing your life to fulfillment and saving for the future Why certain experiences are useless for us at a certain point if we don't use them Confronting fear-based mindsets by identifying goals Why waiting until we die to give our children a financial foundation doesn’t make sense + more Other related blog posts/links mentioned in this episode: DieWithZeroBook.com/welcome Join the waitlist for my signature course, Map Your Way To Financial Independence, here. Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voic

S1 E261 · Mon, March 21, 2022

How To Improve Your Financial Well-Being, Embrace Fin-Tech Solutions & Evolving Technology w/ Lynnette Khalfani Cox

Lynnette Khalfani Cox, money coach, media personality, and personal finance author and expert, joins the podcast to discuss how FinTech is disrupting the traditional finance industry in all the best ways possible. Lynnette once had $100,000 in credit card debt before paying it all off in three years, and turning her financial life around. If you’re ready to take control of your finances, this episode is for you. In this episode we discuss: How you can use FinTech to improve all areas of your financial life Multi-generational recurring trends in personal finance  Why traditional banking isn’t working anymore and how it can be financially dangerous for BIPOC The power of embracing discomfort with evolving technology + more Other related blog posts/links mentioned in this episode: JourneytoLaunch.com/episode187 Sprucemoney.com AskTheMoneyCoach.com MoneyCoachUniversity.com LynnetteKhalfaniCox.com Join the waitlist for my signature course, Map Your Way To Financial Independence, here. Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . Connect with Lynnette: <a href="https://www.kei

S1 E260 · Wed, March 16, 2022

Episode 260: Real Estate Investing, Becoming Financially Independent at 31 & Harnessing The Power of Holistic Wealth With Keisha Blair

Keisha Blair, award-winning international best-selling author, trained economist, and founder of the Institute of Holistic Wealth, joins the podcast to discuss why it is so important to view wealth in a holistic perspective and how we can use this knowledge to redefine our relationship and definition of wealth in our own lives.  She also goes over why she is passionate about helping women invest and how becoming financially independent at age 31 changed her life. Keisha is a graduate of Harvard University's John F. Kennedy School of Government and has been featured in The Harvard Business Review, The New York Times, The New York Observer, and many more. If you’re ready for an awe-inspiring story and actionable investing advice, this episode is for you! In this episode we discuss: Holistic wealth + how you can cultivate it in your life Getting your foot in the door of real estate investing The importance of securing a life insurance policy  Crafting a personal mission statement How financial independence helped Keisha when her husband passed away unexpectedly in her early 30s + more Other related blog posts/links mentioned in this episode: Join the waitlist for my signature course, Map Your Way To Financial Independence, here. Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . Connect with Keisha: Website Instagram:@KeishaoBlair <a href= "https://

S1 E259 · Wed, March 09, 2022

Investing For Long-Term Passive Wealth And Making the Shift From Consumer To Owner With Angela E. Matthews

Angela E. Matthews, investment coach, strategist, and founder of the Happy Investor Method™, joins the podcast to discuss her mission of making investing accessible and fun for all.  In this episode, Angela explains the power of having your money make money, and how that compound interest allows you to have greater affluence and influence so you can change your world and the ones around you.  In this episode we discuss: How Angela became a self-taught passive investor Asking yourself the important question, “How can I get paid to be me?” Why you should consider investing while paying off debt How her investments allowed her to travel to 45+ countries, take care of her parents, pay for her wedding, and purchase her first home The shift Angela made from consumer to owners to build wealth + more Other related blog posts/links mentioned in this episode: Join the waitlist for my signature course, Map Your Way To Financial Independence, here. Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Wat

S1 E258 · Wed, March 02, 2022

Financial Adulting, Investing + Recognizing Privilege With Ashley Feinstein Gerstley

Ashley Feinstein Gerstley, author, money coach, and founder of The Fiscal Femme, a feminist money platform on a mission to end inequality through financial well being, joins the podcast to discuss how you can become a financially competent and conscious adult, her new book, and how to break down the different barriers when it comes to investing. Ashley’s work and mission of using a racial and feminist justice lens to tackle topics in money has been featured on Business Insider, Forbes, Entrepreneur, and more.  If you’re ready to level up your finances and grow into a financial adult today, this episode is for you! In this episode we discuss: What it actually means to be a financial adult Embracing the constantly changing nature of personal finance The power of acknowledging privilege and using that knowledge to make impactful change How to master fundamental concepts in personal finance like: being clear on your goals and priorities, growing your money, becoming your own money coach + more Watch the music video Sa-Vings that I appeared in with Ashley  Other related blog posts/links mentioned in this episode: Journeytolaunch.com/episode107  Financialadultingbook.com Thefiscalfemme.com/the-30-day-money-cleanse-book Tanjahester.com/wallet-activism Join the waitlist for my signature course, Map Your Way To Financial Independence, here. Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! <a href= "http://bronx.news12.com/category/328482/making-cents-with-kristie"

S1 E257 · Wed, February 23, 2022

How to Have a Fun Relationship with Money With  Emily Guy Birken and Joe Saul-Sehy

This week we welcome two guests: finance writer and author, Emily Guy Birken and host of the award-winning personal finance podcast, Stacking Benjamins, Joe Saul-Sehy. Emily and Joe join the podcast to discuss how to approach your money in a fun but effective way.  We discuss the first steps you can take to begin your financial independence journey, being proactive instead of reactive when it comes to your overall money goals and how letting your inner kid out can actually improve your financial life. Emily Guy Birken is an award-winning freelance writer in the financial sphere. Emily is the author of five books and her work has appeared in HuffPo, Business Insider, Kiplinger, MSN Money, and The Washington Post.  Joe Saul-Sehy learned about money the hard way and much of it as he was telling other people how to manage their money, as a financial advisor. After 16 years in the industry he created the award-winning podcast, Stacking Benjamins, one of the most listened to podcasts in the personal finance sphere. If you’re ready to get super-serious about your money management (just kidding), this episode is for you! In the episode we discuss: 🚀 Why playfulness and humor are important for improving your finances  🚀 The revolutionary act of drawing your dreams on a timeline  🚀 What to look for when it’s time to hire a financial advisor in your Financial Independence, Retire Early (FIRE) journey  🚀 Mitigating risk management by asking, “What's my biggest risk and how do I handle it?” + more Other related blog posts/links mentioned in this episode: Stacked: Your Super-Serious Guide to Modern Money Management:  Emily’s first episode Compound Interest Calculator Can’t We Talk About Something More Pleasant by Roz Chast Atomic Habits by James Clear  <

S1 E256 · Wed, February 16, 2022

Create Unstoppable Prosperity & Maximize Your Single Season With Anthony O’Neal

Anthony O’Neal, number one national best-selling author, host of popular YouTube show and podcast, “The Table,”  joins the podcast to discuss how he has helps people level up their finances, businesses, relationships and maximize their season of singleness. Anthony’s mission is deeply personal, as he teaches the principles he's used to change his own life, from homelessness and deep in debt at the age of 19, to the CEO of a company and industry expert. In the episode we discuss: 🚀 The events that led Anthony from being homeless in college to CEO 🚀 Why he takes the concept of “The borrower is slave to the lender” so seriously  🚀How to maximize your single season + what to focus on as you prepare for your next chapter now 🚀What it means to maximize your single season 🚀The power of discipline guiding your vision + more Other related blog posts/links mentioned in this episode: Sign up for Anthony’s The Singles Blueprint course journeytolaunch.com/anthony Join the waitlist for my signature course, Map Your Way To Financial Independence, here. Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 <a href=

S1 E255 · Wed, February 09, 2022

Embracing Imperfection, The Importance of Being Persistent & Consistent and More Lessons for Success

This solo podcast episode is celebrating another year around the sun! In celebration of my birthday, I take a step back and reflect on where I came from, what I learned in the past year and talk about what I’m looking forward to most in my next season of life. I hope that you can take at least one thing away from this episode and apply it to your life & journey. So if you’re ready for actionable tips and inspiration, this episode is for you In the episode I discuss: 🚀 Understanding that what looks like a “quick win,” was typically years in the making 🚀 Why imperfection should not stop you from taking action  🚀How consistency and persistency should work together, not separately  🚀The power of reinforcing why you can accomplish your goals, instead of why you can’t + more Other related blog posts/links mentioned in this episode: Join the waitlist for my signature course, Map Your Way To Financial Independence, here. Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . <strong style= "font-size: inherit; background-color:

S1 E254 · Wed, February 02, 2022

Find Financial Fulfillment & Create a Financial Plan That Works With Kumiko Love, The Budget Mom

Kumiko Love, The Budget Mom, joins the podcast a second time to discuss all things debt payoff, money mindset and her new book, My Money My Way: Taking Back Control of Your Financial Lif e. Kumiko began her debt free journey as a single mom making $24k a year. After trying every budgeting system on the market and facing a mountain of debt, she decided to create her own. The Budget By Paycheck Method was born, allowing her to pay off $77,000 in just 8 months.  Kumiko has amassed an impressive following of over 2M devoted fans by being transparent about her financial experiences and has been featured in GMA, CNBC,The New York Times and more. If you’re ready to tackle your financial mindset and get inspired, this episode is for you. In this episode we discuss: How Kumiko found herself in debt and how she paid it off as a single mom making $24k per year The reason Kumiko overspent and how she faced those deep challenges head on Kumiko’s journey out of being uncomfortable in her own skin to self love What financial fulfillment means and how you can reach it in your life + more Other related blog posts/links mentioned in this episode: Grab Kumiko Love's book, My Money My Way: Taking Back Control of Your Financial Lif e, here Check out Kumiko's first appearance on the Journey To Launch podcast, here Join the waitlist for my signature course, Map Your Way To Financial Independence, here. Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . Connect with Kumiko Love: Website Twitter: @thebudget</a

S1 E253 · Wed, January 26, 2022

How to Step Into Your Power, Follow Your Passion & Make a Good Living With Paco de Leon

Paco de Leon, author of Finance For The People and creator of  The Hell Yeah Group , a financial firm focused on inspiring creatives to be engaged with their personal and business finances joins the podcast to discuss the importance of creatives being more involved with their money management– in both their personal and professional lives.   Paco de Leon has experience in small business consulting, financial planning and wealth management. She's also a TED speaker, whose work has been featured in New York Times, Time, Forbes and Business Insider… just to name a few.   If you’re a creative, small business owner or freelancer looking to learn how to get more involved with your personal and business finances, this episode is for you! In this episode we discuss: How to unearth what’s holding you back when it comes to your desires and money Learning how to detach yourself from identifying so heavily with your thoughts  What being a creative entrepreneur means + the different challenges they face Navigating the false narrative that creative entrepreneurs are not worthy of making money with their offerings + more Other related blog posts/links mentioned in this episode: Grab Paco de Leon's book, Finance for the People: Getting a Grip on Your Finances , here Check out The Hell Yeah Group , here Join the waitlist for my signature course, Map Your Way To Financial Independence, here. Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . Connect with Pace de Leone: Website <a href="https://twitter.com/he

S1 E252 · Wed, January 19, 2022

Episode 252: Is Debt Good or Bad? Debt Payoff Strategies & Leveraging Debt to Reach Your Goals

In this solo episode I tackle all things debt: the tools you need to use or sharpen to pay debt off, the controversial question, “Is debt good or bad?”, why debt may be preventing you from reaching your money goals and the importance of understanding yourself when it comes to using debt as leverage. If you’re wanting to dive deeper into learning more about debt and how it can affect your financial independence journey, this episode is for you! In this episode I discuss: Whether debt is “good” or “bad” The 5 stages of financial independence Knowing thyself when it comes to deciding if you want to use debt as leverage Specific strategies and tools to manage or pay debt off + more Other related blog posts/links mentioned in this episode: Join the waitlist for my signature course, Map Your Way To Financial Independence, here. Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . C onnect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group </l

S1 E251 · Wed, January 12, 2022

Using Financial Therapy & Money Reiki to Improve Your Relationship with Money With Steven M. Hughes

Steven M. Hughes, a Financial Therapist who blends financial psychology, behavioral finance, and Reiki healing to help people build better relationships with their money, joins the podcast to discuss how the psychology of financial therapy and the power of money reiki can lead to a healthy financial mindset.  Steven goes beyond financial literacy basics to help people address the root causes of their money problems, offering simple frameworks that have lasting changes. If you’re ready to go beyond the basics of financial literacy and create lasting change for yourself, this episode is for you. In this episode we discuss: What Money Reike & Financial Therapy is  Why unblocking financial trauma is imperative to money success How investigating deep-seeded money questions can lead to breakthrough change What the phrase “Money is energy,” means + more Other related blog posts/links mentioned in this episode: I Will Teach You To Be Rich Travel Noire: This Couple Sold Their Belongings To Road Trip & Find Their Forever Home Chakra Healing: A Beginner's Guide to Self‑healing Join the waitlist for my signature course, Map Your Way To Financial Independence, here. Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . Connect with Steven: Website  Instagram: @stevenmhughes Instagram: <a href= "https://w

S1 E250 · Wed, January 05, 2022

2021 Recap & Revenue + 2022 Goals & Outsourcing for Success

In this solo episode, I go over the triumphs and challenges of 2021. I share what has made Journey To Launch grow AND why I have been successful in my professional, personal and home life. I take a look at some key moments in 2021 for the podcast and my career and I lay out what I am looking forward to in the new year. If you’re ready to be inspired and put your big dreams into action, this episode is for you. In this episode we discuss: Why I was able to scale Journey To Launch in 2021 The positives of outsourcing business and personal tasks  The importance of prioritizing your physical, emotional + mental health  Book updates and goals for 2022 + more Other related blog posts/links mentioned in this episode: Join the waitlist for my signature course, Map Your Way To Financial Independence, here. Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . C onnect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Priva

S1 E249 · Wed, December 29, 2021

Top 3 Investing Mistakes That Are Costing You Thousands Of Dollars

In this solo episode, I go over the top 3 investing mistakes that I’ve experienced and that are potentially costing you hundreds or hundreds of thousands of dollars.  My goal with this podcast episode is to hopefully help you discover money you’re leaving on the table and plant the seeds to optimize your investments, so that you can make them work even more for you. Ultimately, I want you to make money with the money you already have!  Take out your pen,  notepad and listen up: You’ll want to make sure you make notes and catch everything in this episode! In this episode we discuss: Real numbers to show how simple changes can make your investment accounts grow Why opening your investment accounts is just the first step (beware sitting money!) Why being aware of your past employer investment accounts matter The huge implications of knowing how your money is being invested + more Other related blog posts/links mentioned in this episode: Check out my Instagram video explaining How I made $252,000 more in an hour and a half here. Join the waitlist for my signature course, Map Your Way To Financial Independence, here. Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . C onnect with me: Instagram: @

S1 E248 · Wed, December 22, 2021

Small Steps to Reach Big Dreams + Going from an Observer to Main Player In Your Life

I took the Big Idea Speaker stage at FinCon 2021 in Austin, Texas and now I’m bringing it to you! Here’s my powerful lecture on staying true to yourself and making your dreams a reality through small, day-to-day action. Throughout this talk, I explain what it means to be an industry observer, participant and thought leader and how sometimes going from A to Z is the opposite of what you need to focus on to move forward in your goals. If you’re looking for inspiration, this episode is for you! In this episode we discuss: What it means to be an industry observer, participant and thought leader Why acting small will lead to big dreams coming true How being honest with yourself is the first step in this process The truth behind cliche, “consistency is key” + more Other related blog posts/links mentioned in this episode: Join the waitlist for my signature course, Map Your Way To Financial Independence, here. Watch the full FinCon 2021 speech here. Check out my new personal website here. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . C onnect with me:

S1 E247 · Wed, December 15, 2021

How To Become A Side Hustle Pro With Nicaila Matthews Okome

Nicaila Matthews Okome, founder of Side Hustle Pro, a podcasting and media company that shines a light on untold narratives, joins the podcast to discuss how she has become a boundary- breaker and trailblazer in the podcasting and entrepreneur space. In 2016, Nicaila debuted the Side Hustle Pro Podcast, the first and only podcast to spotlight bold, Black Woman entrepreneurs, who have scaled from side hustle to profitable business. In this episode, we're going to talk all about Nicaila's journey and how she became who she is today as a full time podcaster and entrepreneur.  If you’re a full time employee looking to make extra money or potentially turn your side hustle into a full-time gig, this episode is for you! In this episode we discuss: The passion and mission behind Side Hustle Pro  Nicaila’s career history and how she  was able to get her MBA to elevate her career Entrepreneurship misconceptions + how calculated risk taking is key How to practically stop comparing yourself to your peers + more Other related blog posts/links mentioned in this episode: Podcast Moguls Course Goal Getter Course The Consortium  To Listen to the Learn to Trade As A Side Hustle To Reach Your Financial & Life Goals FREE Audio Training with Teri Ijeoma by clicking here . Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . Connect with Nicaila: Website Podcast Instagram: @sidehustlepro <a href="https://twitter.com/

S1 E246 · Wed, December 08, 2021

Paying Off $123K Of Student Loan Debt With Anjie + RJ from Rich By Intention

Anjie and RJ from Rich By Intention, join the podcast to discuss how they teamed up in their marriage to pay off $123,000 of student loan debt. We discuss how they tackled debt together and separately, why getting on the same page as your partner is crucial in your financial life and how they steadily increased their income during the course of their debt free journey.  Anjie and RJ have been featured on Good Morning America, Business Insider and more for successfully paying off their debt and to share the Rich By Intention message: empowering couples to manage their money and everyday life with intention by eliminating debt, saving money, and investing for their future.  If you’re on a six-figure debt free journey or want to learn about how to get on the same page with your partner when it comes to finances, then this episode is for you! In this episode we discuss: The steps Angie & RJ took to pay off $123k of debt How the power of networking can fuel you to financial success Why having tough money conversations can change the course of your marriage The possibilities a debt free, intentional financial life can provide + more Other related blog posts/links mentioned in this episode: To Listen to the Learn to Trade As A Side Hustle To Reach Your Financial & Life Goals FREE Audio Training with Teri Ijeoma by clicking here . Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link</

S1 E245 · Tue, December 07, 2021

BONUS EPISODE: Behind the Scenes of My Experience on Good Morning America

Jamila dives deep into how her segment on Good Morning America came to be and all that she learned throughout this experience. She discusses the importance of timing and how this appearance came full circle from her first feature on GMA3 in 2020. She details the moments behind the scenes leading up to the hectic moment it was time to go on air. With this being one of the most pivotal moments in her career, Jamila discusses how both patience and preparation pay off in the end. This story is a great lesson on how to keep pursuing your dreams and to never lose hope throughout your journey! Check out this quick chat with Jamila to learn about all the amazing moments leading up to her segment on GMA! In this episode we discuss: Behind the scenes of my segment on Good Morning America What I have learned and what I'm taking away from this experience Why our mindset and habits matter Why you should think and speak in a way that aligns with where you want to go The importance of preparation Other related blog posts/links mentioned in this episode: My sister Shaina's Instagram: @shaina.mcgregor   My stylist Elsa's Instagram: @ElsaIsaac My makeup artist Anna's Instagram: @ladyatplaysalon To Listen to the Learn to Trade As A Side Hustle To Reach Your Financial & Life Goals FREE Audio Training with Teri Ijeoma by clicking here <span style= "font-size: 1rem; fo

S1 E244 · Wed, December 01, 2021

How To Quit Your Way To Financial Freedom And Career Success With Mandi Money

Mandi Money, an inclusive wealth building advocate, career expert and co-host of the popular podcast, “Brown Ambition,” joins the podcast to discuss how she quit her way to earning more money and how that fueled her to explore pivoting into an entrepreneur herself. Her personal finance and career advice has been featured on CNBC, CNN, Business Insider and more, so when we talk about how she has leveraged different positions to make money moves for herself, listen up! As of 2021, Mandi is on her own as an entrepreneur, teaching others how to do what she has done.  If you’re a fledgling entrepreneur, or interested in making more money, this episode is for you! In this episode we discuss: How to quit thoughtfully, consciously, compassionately, and how to quit your way rich  The power of leveraging positions and experiences to make six-figures How Mandi quit her way to earning more money in her career Behind the scenes of the “Brown Ambition” podcast What Mandi is up to now as an entrepreneur + more Watch this episode on youtube here: https://youtu.be/ir8b8880ho4  Other related blog posts/links mentioned in this episode: To Listen to the Learn to Trade As A Side Hustle To Reach Your Financial & Life Goals FREE Audio Training with Teri Ijeoma by clicking here . Join The <a href="https://www.journeytolaunch.com/join" target="_blank" rel

S1 E243 · Wed, November 24, 2021

From Side Hustle To Million Dollar Virtual Assistant Business With Tasha Booth

Tasha Booth, Founder & CEO of The Launch Guild - a full service launch support agency working with established coaches and course creators, joins the podcast to discuss how she pivoted from being a Virtual Assistant (VA) on the side in order to pay off debt, to owning a million dollar Virtual Assistant agency.  Tasha began her journey in the personal finance space with a blog, documenting her path to debt freedom. Once she realized that her audience was more interested in the “how” part of her debt payoff journey, she pivoted to showing more of her VA gig. From there, Tasha has built an entire agency empire, which is projected to earn seven-figures this year. Tasha and I talk about our parallel entrepreneurial paths, her journey towards financial independence and more. If you are scared to pivot into something new or are interested in learning how to make extra money as a virtual assistant, this episode is for you! In this episode we discuss: How Tasha initially jumped into the virtual assistant field as a side hustle Why she pivoted from blogging about paying off debt to starting a service-based business  The “secret sauce” that got Tasha to where she is today The importance of surrounding yourself with people doing bigger things  Why investing in yourself will get your further + more Watch on Youtube here: https://youtu.be/kjynqt_xrJY:  Other related blog posts/links mentioned in this episode: To Listen to the Learn to Trade As A Side Hustle To Reach Your Financial & Life Goals FREE Audio Training with Teri Ijeoma by clicking here . Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . Connect with Tasha: <ul

S1 E242 · Wed, November 17, 2021

How To Use Every Dollar You Spend, Earn And Save As A Force For Change With Tanja Hester

Tanja Hester, author of Wallet Activism: How to Use Every Dollar You Spend, Earn, and Save as a Force for Change and Work Optional: Retire Early the Non-Penny Pinching Way, joins the podcast to talk about her upcoming book and how you can use the power of your money for change. Tanja is a former political consultant and journalist turned activist and early retiree, retiring at the age of 38. Tanja also blogs over at OurNextLife.com If you are interested in learning how you can make an impactful difference with your money right now, this episode is for you. In this episode we discuss: Building financial power to live our value and change the world The “unsexy” story of how Tanja retired at age 38 How to spend your money in a way that  reflects your values How health insurance was the best investment Tanja ever made Navigating and personally combating capitalism + more Watch this episode on Youtube here: https://youtu.be/b-ej1DsVvcw  Other related blog posts/links mentioned in this episode: Check out Tanja's previous episodes on the Journey to Launch Podcast here and here . Bookshop.org To Listen to the Learn to Trade As A Side Hustle To Reach Your Financial & Life Goals FREE Audio Training with Teri Ijeoma by clicking here . Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . Connect with Tanja: Website Instagram: @our_nextlife <a href="https://twitter.com/our_ne

S1 E241 · Wed, November 10, 2021

Paying off $600K Of Debt With Dr. Nii Darko

Dr. Nii Darko, aka THE Doc Outside the Box, joins the podcast to talk about how he and his wife paid off $600,000 of debt. In addition to being a debt slayer, Dr. Nii is a Board-certified Trauma Surgeon who is pushing the limits beyond medicine.Dr. Nii is the host of Docs Outside the Box podcast where he features ordinary doctors living extraordinary lives with a focus on money, mindset, and mission.  Dr. Darko and I discuss the challenges of  paying off large student loans, working as a 1099 contractor, how finances made his marriage stronger and how he has created a safe platform for doctors to discuss side hustles and retiring early. If you’re ready to be inspired on your debt payoff journey, or you have large debt, this episode is for you.  In this episode we discuss: The ins and outs of how Dr. Darko and his wife paid off $600,000 Why many doctors making 6-figures often find themselves broke  How he inspires doctors to do something outside of practicing medicine  Falling for Whole Life Insurance + more Watch the video interview for this episode on youtube here: https://youtu.be/I6A7aaoLzkg  Other related blog posts/links mentioned in this episode: To Listen to the Learn to Trade As A Side Hustle To Reach Your Financial & Life Goals FREE Audio Training with Teri Ijeoma by clicking here . Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . Connect with Nii Darko: Website Instagram: @DrNiiDarko <a href="https://twit

S1 E240 · Wed, November 03, 2021

How To Package Your Expertise, Create A Profitable Business and Make An Impact With Maya Elious

Maya Elious, a personal branding strategist that teaches experts how to position themselves as the go-to authority in their industry, joins that podcast to talk about all things creating a profitable business while making a lasting impact.  Maya has helped thousands of professionals get clear on their message, increase their prices, and have successful launches, and now she is with the Journey To Launch Podcast to tell us all of her secrets! Maya has gone from ground zero to a million dollar business and she wants you to be just as successful! If you’ve been scared to take the leap into launching your offer, or are simply intimidated in the process of amplifying what you already provide, you’ll want to listen to this episode! In this episode we discuss: How Maya went from charging $55 for custom Myspace pages to running a $2M per year business The negative psychological and physical effects being a people pleaser can bring -- and why pleasing yourself is much better in the long run The sunken cost fallacy and how to avoid it (or, let’s be honest, snap out of it) What increasing your standard of broke means The two initial goals Maya set when she started out + more Other related blog posts/links mentioned in this episode: If you want to attend Maya's event go to ImpactWeekendLive.com and enter the code "journey" to get 20% off! To Listen to the Learn to Trade As A Side Hustle To Reach Your Financial & Life Goals FREE Audio Training with Teri Ijeoma by clicking here . Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . Connect with Maya: Website <a href="https://www.instagram.com/Mayaelious" target="_blank" rel="noopener nor

S1 E239 · Wed, October 27, 2021

How To Fire The Haters And Find The Courage To Create Online In A Critical World With Jillian Johnsrud

Jillian Johnsrud, author of  “Fire The Haters: Finding The Courage To Create Online In A Critical World,” joins the podcast to talk all things online boundaries, keeping sanity while being vulnerable in a digital world and how to find your tribe so you can let your friends and family “off the hook.” We dive deep into what it means to build a personal brand or be an entrepreneur in the public arena online and how exactly to protect yourself against haters and critics that want nothing more than for you to stop creating. If you have been scared to take the leap into a project or passion because of online haters, this episode is for you! In this episode we discuss: The different rules for creating online (Rule #1: Don’t read the comments) Why letting go of your friends and family understanding your work or supporting you is a step in the right direction Cutting the noise of people who have no constructive criticism or logic to stand on  The absolute need for emotional boundaries and your work Coping mechanisms for being a successful online creator in the digital realm + more Other related blog posts/links mentioned in this episode: Get Jillian's book by clicking here ! Don't forget to register for Teri's & I FREE LIVE class on October 27th at 8:30pm EST. You'll learn even more about trading & how Teri made 1 million dollars in a day. Come prepared to take notes & ask questions! Click here to register. Listen to the Learn to Trade As A Side Hustle To Reach Your Financial & Life Goals FREE Audio Training with Teri Ijeoma by clicking here . Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . Connect with Jillian: <a href="https://www.jillianjohnsrud.co

S1 E238 · Sat, October 23, 2021

Bonus Episode- Learn to Trade as a Side Hustle

Check out this bonus episode of the podcast, where I'm sharing a free training that I recorded w/ Teri on Learning to Trade as a Side Hustle.   In it, you'll learn:   More about Teri Ijeoma & how she transitioned from her 9-5 to full time entrepreneur and traveling the world How trading allowed Teri to buy her dream house in cash, reach Financial Independence and start a multi-million dollar business The different types of trading; long term investing, short term investing, day trading, swing trading, etc Trading as a form of income (to pay off debt, save, supplement income) Who should take Teri’s Trade & Travel course & more And don't forget to register for Teri's & I FREE LIVE class on October 27th at 8:30pm EST. You'll learn even more about trading & how Teri made 1 million dollars in a day. Come prepared to take notes & ask questions! Click here to register.   Other related blog posts/links mentioned in this episode: Join Teri Ijeoma and I for a FREE webinar on how to make money trading the stock market on Oct 27 by clicking here ! Listen to the Learn to Trade As A Side Hustle To Reach Your Financial & Life Goals FREE Audio Training with Teri Ijeoma by clicking <a style= "font-size: 1rem; font-weight: inherit; background-color: transparent;" href="https://journeytolaunch.com/teritraining" target="_blank" rel="

S1 E237 · Wed, October 20, 2021

Breaking Barriers And The Mind, Body and Wealth Connection With Lauren Simmons

Lauren Simmons, “The Wolfette of Wall Street,” joins the podcast to discuss breaking barriers and how to take the positives out of any situation and pivot them to benefit your personal journey.  At 22 years old, Lauren was the youngest and only full-time female equity trader on Wall Street for Rosenblatt Securities. She was also the second African-American woman in history to hold the prestigious title. Her inspiring story will motivate you to go after whatever you want in life, because you truly only have one shot. If you’re ready to break down boundaries and go after what you want, listen to this episode today. Bullet Points: Her incredible journey from a lifeguard who couldn’t swim to the youngest full-time equity trader on Wall Street  How her determination to go after what she wanted got her to where she is today Understanding that everything doesn’t need to be a fight in your career (and life) Exit strategies, taking advantage of learned skills + more Other related blog posts/links mentioned in this episode: Join Teri Ijeoma and I for a FREE webinar on how to make money trading the stock market on Oct 27 by clicking here ! Listen to the Learn to Trade As A Side Hustle To Reach Your Financial & Life Goals FREE Audio Training with Teri Ijeoma by clicking here . Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! <a href= "http://bronx.news12.com/category/328482/making-cents-with-kristie" target="_blank" rel="noopene

S1 E236 · Wed, October 13, 2021

How To Change Overthinking From A Super Problem To A Superpower With Jon Acuff

Jon Acuff, New York Times bestselling author of seven books including his latest, “Soundtracks: The Surprising Solution to Overthinking,” and INC Magazine Top 100 Leadership speaker, joins the podcast to discuss how overthinking affects the results we have in life and how to rewire our thoughts so that we can make progress towards our goals.  We all have the ability to change our unhealthy patterns of overthinking from a super problem to a superpower. We just need a little help along the way. If you’re ready to unlearn and reprogram your thoughts, listen to this episode! In this episode we share: How what we tell ourselves + what we think leads to our emotions and actions Why most people over-focus on their actions, and never change the underlying results Actionable steps to take to rewire our brains to be more positive The power of aligned thinking with aligned action + more Other related blog posts/links mentioned in this episode: Join Teri Ijeoma and I for a FREE webinar on how to make money trading the stock market on Oct 27 by clicking here ! Listen to the Learn to Trade As A Side Hustle To Reach Your Financial & Life Goals FREE Audio Training with Teri Ijeoma by clicking here . Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 <

S1 E235 · Wed, October 06, 2021

Paying Off $30K of Debt, Financially Recovering From Divorce & Building an Authentic Financial Brand w/ Dasha Kennedy

In this episode, Dasha Kennedy, founder of The Broke Black Girl, joins us to talk about her journey through divorce, debt, and building a brand from the ground up. Dasha went from living paycheck-to-paycheck and struggling with debt, to using the skills gained from her 9-5 job to pivot into a full-time entrepreneur and personal finance educator.   We dive deep into the sacrifices Dasha made, how she weathered the pandemic as a new entrepreneur, and how to be a leader in your family and community. If you need reassurance that your low point isn’t your forever point, listen to this episode today!  In this episode we share: How Dasha got into debt and when her breaking point was Sacrifices Dasha made to get out of debt and change her family’s perspective on money When and why Dasha transitioned from her 9-5 job to her full-time business How Dasha built @thebrokeblackgirl from 0 followers to over 200k + more Other related blog posts/links mentioned in this episode: Listen to the Learn to Trade As A Side Hustle To Reach Your Financial & Life Goals FREE Audio Training with Teri Ijeoma by clicking here . Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! <a href= "http://bronx.news12.com/category/328482/making-cents-with-kristie" tar

S1 E234 · Wed, September 29, 2021

How To Use Practical Intelligence To Achieve Your Goals And Live Your Best Life

In this solo episode, I dive deep into the concept of practical intelligence and how it has changed my life. Practical intelligence is the ability to apply, use, and implement what you know. That includes knowing what to say, to whom, when to say it, and how to say it for maximum effect. I describe more about what practical intelligence is, how you can identify if you have it, and how to cultivate it in your own lives.  In this episode we share: What is practical intelligence How you can identify if you have practical intelligence or not Examples of practical intelligence, big and small How to cultivate practical intelligence in your life, your kids lives, + more Other related blog posts/links mentioned in this episode: Join Us For Teri's Documentary on October 2nd for FREE by clicking here and typing in the code JTL. Listen to the Learn to Trade As A Side Hustle To Reach Your Financial & Life Goals FREE Audio Training with Teri Ijeoma by clicking here . Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

S1 E233 · Wed, September 22, 2021

Breaking Free Of Shame, Limiting Beliefs And Labels To Live A Full Life With Dr. Adi Jaffe

Dr. Adi Jaffee, author of “ The Abstinence Myth” and nationally recognized expert on mental health, addiction, relationships and shame joins the podcast to discuss the ways we handle the labels that are bestowed upon us by society, and how we can break free from them while embracing our unique journeys. This powerful episode touches deep topics of shame, addiction, system injustices, and, as always, financial freedom. If you are struggling, or have struggled in the past, you need to listen to this episode. In this episode we share: How we internalize the labels we are given from birth and how they affect us throughout our lives The negative impacts of covering up our shame and lived-experience The power of perception and expectations Breaking free from limiting beliefs + more Other related blog posts/links mentioned in this episode: Listen to the Learn to Trade As A Side Hustle To Reach Your Financial & Life Goals FREE Audio Training with Teri Ijeoma by clicking here . Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 <a href="https://journeytolaunch.com/ynab" target="_blank" rel= "noopener nore

S1 E232 · Wed, September 15, 2021

How You Can Make More Money, Have More Impact, And Thrive In The Corporate World With Dorianne St. Fleur

Dorianne St. Fleur, author of “Deeper Than Work: How Women of Color Can Make More Money, Have More Impact, and Thrive in the Corporate World,” joins the podcast to talk about how women, and Women of Color specifically, can leverage their 9-5 Corporate America careers to reach financial independence. We discuss how to unearth your D.R.E.A.M job, negotiation tactics, and using social media to network in a strategic way. This episode brings to light the reality that you don’t have to be an entrepreneur to become a millionaire or financially free. If you’re in Corporate America and looking to thrive there, this episode is for you! In This Episode You’ll Learn: What Dorianne’s acronym D.R.E.A.M stands for How you can use your D.R.E.A.M job to fuel your search for a better career Some of the different obstacles BIWOC face in Corporate America How you can negotiate for more money + more  Enter for a chance to win Dorianne’s book here . Other related blog posts/links mentioned in this episode: Enter for a chance to win Dorianne's book: "Deeper Than Work: How Women of Color Can Make More Money, Have More Impact, and Thrive in the Corporate World" by going to journeytolaunch.com/win and follow the instructions! A winner will be announced on September 21st. if you don't want to wait, the first 50 Journeyers get the following when they use the code JTL at checkout, go to journeytolaunch.com/work D.R.E.A.M. career clarity workbook Word for word salary negotiation scripts Video training on how to be assertive (and not aggressive) I’ll be taking the stage at FinCon 2021 in Austin as a Big Idea Speaker. You can grab your ticket to join me in person or virtually here (use the code “ FCJOURNEY5“ for a discount)  Nominate Journey to Launch for the Plutus Award by clicking <a href="http://journeytolaunch.com/plutus" target="_blank" rel= "noop

S1 E231 · Wed, September 08, 2021

Minimalism: A Guide To Living With Less So That You Can Have More With Christine Platt, The Afrominimalist

Christine Platt, author of ‘'The Afrominimalist Guide To Living With Less,’ and pioneer behind The Afrominimalist, joins the podcast to talk about how she’s carving out space for BIPOC within the minimalist movement. We discuss her journey towards living with less and how she outlines the differences for historically marginalized communities, which radically change the movement and minimalist community. Inclusion and representation matter, and this episode demonstrates the importance of recognizing this fact and celebrating these leaps forward within the minimalist movement. In This Episode You’ll Learn: How minimalism is different for BIPOC Where Christine started on her minimalist journey Why minimalism isn’t living with less, it’s living with intention How you can have luxury and also live with less + more  Other related blog posts/links mentioned in this episode: Enter for a chance to win Christine's book: "The Afrominimalist's Guide to Living with Less" by going to journeytolaunch.com/win and follow the instructions! A winner will be announced on September 15th. Grab Christine's book here .  I’ll be taking the stage at FinCon 2021 in Austin as a Big Idea Speaker. You can grab your ticket to join me in person or virtually here (use the code “ FCJOURNEY5“ for a discount)  Nominate Journey to Launch for the Plutus Award by clicking here .  Listen to the Learn to Trade As A Side Hustle To Reach Your Financial & Life Goals FREE Audio Training with Teri Ijeoma by clicking here . Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 <a href="https://journeytolaunch.com/ynab" targ

S1 E230 · Wed, September 01, 2021

Reaching Financial Independence And Investing $750,000 After Divorce With Dr. Lakisha Simmons

Dr. Lakisha Simmons, fellow Journeyer and author, joins the podcast to share her inspirational story from growing up with almost nothing to saving & investing $750,000 in 4 years & reaching Financial Independence at 41 years old. We discuss how she was able to use her divorce as a kickoff for her FIRE (Financial Independence Retire Early) journey, and how the FIRE movement led her to pursue her passions in life. In this episode we dive into how Dr. Simmons was able to grow from her mistakes, what she did to reach Financial Independence, and the lessons she’s passing down to her children from her financial experience. In this episode you’ll learn How money narratives growing up shape your financial decisions as an adult What Dr. Simmons did to cut expenses during her divorce Which accounts Dr. Simmons maxed out to lower her tax burden and grow her FIRE number How & why she decided to quit her job  The benefits of FIRE and chasing after what makes you happy  What she is teaching her kids about money + more  Watch on youtube here: https://www.youtube.com/watch?v=IavkfgIVvGY Other related blog posts/links mentioned in this episode: https://www.amazon.com/Unlikely-AchieveHer-Steps-Prosperous-workbook/dp/0578413523 I’ll be taking the stage at FinCon 2021 in Austin as a Big Idea Speaker. You can grab your ticket to join me in person or virtually here (use the code “ FCJOURNEY5“ for a discount)  Nominate Journey to Launch for the Plutus Award by clicking here .  Listen to the Learn to Trade As A Side Hustle To Reach Your Financial & Life Goals FREE Audio Training with Teri Ijeoma by clicking here . Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segmen

S1 E229 · Wed, August 25, 2021

An Introduction to REITS With Andre Albritton

Andre Albritton, founder of The Millennials Next Door and The Flavor Podcast, educates us on REITs, aka: Real Estate Investment Trusts. With the 2021 real estate market booming and millions of millennials looking to “get in” on the crest of the wave, Andre explains the ease of REITs and why they may be your foot in the door to investing in real estate without being a landlord or landowner. In this episode we discuss what REITs, the tax ramifications of REITs, and if they’re the right real estate investment choice for you. In this episode you’ll learn What are REITs The pros and cons of REITs REITs v. Index Funds: Which has the best ROI over time? Different sectors with the most growth in REITs + more Watch this episode on youtube here: https://youtu.be/XaE1dJ99zYU  Other related blog posts/links mentioned in this episode: I’ll be taking the stage at FinCon 2021 in Austin as a Big Idea Speaker. You can grab your ticket to join me in person or virtually here (use the code “ FCJOURNEY5“ for a discount)  Nominate Journey to Launch for the Plutus Award by clicking here .  Listen to the Learn to Trade As A Side Hustle To Reach Your Financial & Life Goals FREE Audio Training with Teri Ijeoma by clicking here . Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . Connect with Andre:

S1 E228 · Wed, August 18, 2021

Everything You Need To Know About Student Loan Repayment W/ Travis Hornsby

Travis Hornsby, founder and owner of Student Loan Planner, takes us through the often overwhelming and confusing world of student loan repayment plans. With new government updates happening each month, it’s important to stay on top of the various options available to you. Travis explains, in simplistic terms, those options and how you can take advantage of them to pick the plan that is best suited for your student loan debt. In this episode we talk about different payment plans based on income levels, what’s going on with student loan cancellation, and what you can expect when student loan payments eventually resume. If you’ve ever been anxious about not knowing your options, or you’ve wanted to tackle your student loan debt in a more strategic way, this episode is for you. In this episode you’ll learn: What to expect when the student loan payment pause ends next year (2022) How student loan forgiveness is real + where to go to find out if you qualify for it Various repayment plan options based on various income levels (low to high) Why student loan cancellation is likely not going to happen The reason it’s even more advantageous for those in student loan debt to invest Other related blog posts/links mentioned in this episode: studentaid.gov/IDR studentaid.gov/PSLF studentaid.gov I’ll be taking the stage at FinCon 2021 in Austin as a Big Idea Speaker. You can grab your ticket to join me in person or virtually here (use the code “ FCJOURNEY5“ for a discount)  Nominate Journey to Launch for the Plutus Award by clicking here .  Listen to the Learn to Trade As A Side Hustle To Reach Your Financial & Life Goals FREE Audio Training with Teri Ijeoma by clicking here . Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! <a href= "

S1 E227 · Wed, August 11, 2021

Leaving Corporate America To Become A Real Estate Agent And Investor + Homeschooling w/ Erika Brown

Fellow Journeyer Erika Brown, Real Estate Agency Owner, homeschool Mom, and multifaceted entrepreneur, joins us to discuss her exit from Corporate America into the lucrative world of business ownership and real estate investing in Atlanta, Georgia.  In this episode I talk with Erika about her journey to financial independence, her multi-million dollar real estate portfolio, her unique and effective homeschooling methods, and how she is able to “do it all.” Be inspired by Erika's life path TODAY on Episode 227 of the Journey To Launch Podcast. In this episode you’ll learn: Why sometimes taking an educated leap of faith in life is necessary to propel your growth, both professionally and personally Why being an investigator in your own life is the first step towards elevating it Erika’s thoughts on real estate investing and gentrification What Unschooling is and why it may be the right fit for your family Other related blog posts/links mentioned in this episode: I’ll be taking the stage at FinCon 2021 in Austin as a Big Idea Speaker. You can grab your ticket to join me in person or virtually here (use the code “ FCJOURNEY5“ for a discount)  Nominate Journey to Launch for the Plutus Award by clicking here .  Listen to the Learn to Trade As A Side Hustle To Reach Your Financial & Life Goals FREE Audio Training with Teri Ijeoma by clicking here . Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . Connect with Erika: <a href="http://www.erikab.co" target="_blank" rel=

S1 E226 · Wed, August 04, 2021

How to Authentically Build Your Brand, Self-Worth and Net-Worth with Jessica Zweig

Jessica Zweig owner of nationally recognized digital brand agency, SimplyBe, and new author of, “Be: A No-Bullsh*t Guide to Increasing Your Self Worth and Net Worth by Simply Being Yourself” joins us to discuss how to root authenticity in your personal brand and use it to grow your self worth and your net worth. In this episode, I talk with Jessica about the everyday struggles of identity as an entrepreneur and how to navigate the noisy world of social media and personal branding. We do deep dives into business alignment, creating a real brand identity, and how you can craft a voice that stands out in the crowd. Learn all about increasing your self worth and net worth by simply being yourself TODAY. In This Episode You’ll Learn: Why a personal brand is so important to companies + how they impact them How to own your mistakes and use them to propel you forward How to leverage your best ROI now to scale later Using authenticity to build a better business and make more money Other related blog posts/links mentioned in this episode: Grab Jessica's book here . I’ll be taking the stage at FinCon 2021 in Austin as a Big Idea Speaker. You can grab your ticket to join me in person or virtually here (use the code “ FCJOURNEY5“ for a discount)  Nominate Journey to Launch for the Plutus Award by clicking here .  Listen to the Learn to Trade As A Side Hustle To Reach Your Financial & Life Goals FREE Audio Training with Teri Ijeoma by clicking here . Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! <a href= "http://bronx.news12.com/category/328482/making-cents-with-kristie" target="_blank" rel="noopener noreferrer

S1 E225 · Wed, July 28, 2021

225- Rebuilding Black Wall Street a Century After the Tulsa Race Massacre & Why it Still Matters Now w/ Kevin Matthews

Kevin Matthews is the author of “From Burning To Blueprint: Rebuilding Black Wall Street After A Century Of Silence,” a book about the Tulsa Race Massacre. In this episode, I talk with Kevin about the history behind the massacre, the ramifications of this day of bloodshed, and how we can come together for effective change and solutions in response to this gruesome event and the treatment of Black people in America. Learn all about the Tulsa Race Massacre, it’s significance in 2021, investing, and generational wealth when you listen to this impactful episode. In this episode we cover: How what happened in Tulsa didn’t happen in a vacuum  Why the Tulsa Race Massacre still matters to the Black community today & why everyone needs to learn about what happened  Solutions in response to the Tulsa Race Massacre The case for reparations  The contradiction of explaining generational wealth while ignoring the causes of generational poverty The reasoning behind investing in the stock market over investing in real estate as a means to build Black wealth General guides to beginning your investing journey and more Other related blog posts/links mentioned in this episode: Buildingbread.com/blueprint Episode 137-The Black Tax: The Cost Of Being Black In America With Shawn Rochester Episode 158- Black Lives Matter & The Black Tax: The Cost Of Being Black In America W/ Shawn Rochester   I’ll be taking the stage at FinCon 2021 in Austin as a Big Idea Speaker. You can grab your ticket to join me in person or virtually here (use the code “ FCJOURNEY5“ for a discount)  Nominate Journey to Launch for the Plutus Award by clicking here .  Listen to the Learn to Trade As A Side Hustle To Reach Your Financial & Life Goals FREE Audio Training with Teri Ijeoma by clicking here . Join The <a

S1 E224 · Wed, July 21, 2021

Business, Podcast, and Life Updates- 4 Year Journey To Launch Anniversary Episode

In this episode of the Journey To Launch Podcast, I’m diving into exciting, new updates. It’s been 4 years since I started the Journey To Launch podcast. I didn’t have a huge audience and was fairly new in the personal finance space but I had something to share with the world. I’m so glad I took a chance on myself. Now the podcast has over 2.5 million downloads and has been featured by the NY Times. Throughout the last 4 years, you’ve watched me quit corporate America, grow my own business, and raise my kids-- all while going through the inevitable ups and downs of life.  Tune in to hear about a few learning moments from my entrepreneur career, goals I’ve met, as well as life-changing moves coming down the road. You won’t want to miss this episode  In This Episode You’ll Learn: Where I’m at with my book-writing journey  Why I decided to close Money Launch Club and how that decision will change the trajectory of Journey To Launch What I’m up to in September in Austin, Texas The big change happening inside my family Other related blog posts/links mentioned in this episode: Episode 61- I Quit My Job: Why & How I Quit My 6-Figure Job & How This Affects My Journey To Financial Independence I’ll be taking the stage at FinCon 2021 in Austin as a Big Idea Speaker. You can grab your ticket to join me in person or virtually here (use the code “ FCJOURNEY5 “ for a discount)  Listen to the Learn to Trade As A Side Hustle To Reach Your Financial & Life Goals FREE Audio Training with Teri Ijeoma by clicking here . Join The <a href= "https://www.journeytolau

S1 E223 · Wed, July 14, 2021

How to Reverse Engineer Your Success + Decode Greatness with Dr. Ron Friedman

Have you always wondered what the true “secret” to success was? Or why the strategies you’re using aren’t working? Then this week’s Journey to Launch Podcast episode is for you. I dive into author Ron Friedman’s latest work, “Decoding Greatness,” a guide on how to reverse engineer your success and live your best life possible. During this episode, we explore the misconceptions and falsehoods of how success is marketed towards us. Through Ron’s unique blueprints, you can learn how to rise above the noise and collect your own data to use as leverage in building your best self in the professional, personal, and financial worlds we move through each day. Tune in to hear all about Ron’s new book and learn practical, easy day-to-day tips on how to reach your goals and create the life you want. In This Episode You’ll Learn: How to use micro-goals to propel your macro-goals into realities  Opportunity cost and why keeping a scoreboard will change all areas of your life The psychology behind why reverse engineering works and how you can do it yourself in your day-to-day life The harsh reality-- and positives-- of hustle and grind when you’re young Why looking for patterns and molding them to fit your goals is imperative to success Watch Video on YouTube by clicking here: https://youtu.be/F4MxdZktyMk Other related blog posts/links mentioned in this episode: Decodinggreatnessbook.com Listen to the Learn to Trade As A Side Hustle To Reach Your Financial & Life Goals FREE Audio Training with Teri Ijeoma by clicking here . Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my <a href="h

S1 E222 · Wed, July 07, 2021

How to Travel Hack and Pay Off Debt w/ Cinneah El-Amin

Do you want to learn how to travel in style while; paying off debt and pursuing Financial Independence? Then this week's Journey To Launch podcast episode with Cinneah El-Amin is for you. Cinneah shares how to travel affordably utilizing travel rewards points and gives us tips on how to navigate travel w/ a 9-5 work schedule.  Even though she had a good salary, Cinneah was living beyond her means and carried shame around her $23,000 credit card debt. In the episode, you’ll hear what rock bottom moment propelled Cinneah to begin her self love and Financial Independence journey and how she paid off her debt in 1 year.  Cinneah’s story is fascinating because even though she still works a 9-5, she travels often and was even able to relocate to Tulum, Mexico in 2020. Tune in to hear Cinneah's inspiring story and learn practical tips on how you can travel on a budget and while pursuing your money goals.  In This Episode You’ll Learn: What propelled Cinneah to start her financial independence journey How Cinneah paid off $23,000 in debt in one year Why it’s important to have people hold you accountable How to travel on a budget, travel hack, and tips of travelers with a 9-5 and much more... Other related blog posts/links mentioned in this episode: Listen to the Learn to Trade As A Side Hustle To Reach Your Financial & Life Goals FREE Audio Training with Teri Ijeoma by clicking here . Join The  Weekl

S1 E221 · Wed, June 30, 2021

Achieving Financial Freedom as a Creative Entrepreneur & Learning to Invest: A Real Conversation with My Sisters

I have a very special episode to share with you because my little sisters Imani & Shaina are my guests on this week’s podcast. I thought it would be fun to have a real conversation with two of my younger sisters who are both on their own unique paths to financial freedom.  Shaina and Imani are both creatives and entrepreneurs who have followed their passions and taken non-traditional career paths and are learning to invest for the first time.  I wanted to bring them both on the podcast to share more about their goals, how they had to pivot during COVID, their savings and investing journeys, and to share what it’s really like to have me as an older sister (spoiler alert: turns out that I’m really fun) I can’t wait for you to listen to this episode, and I highly encourage you to watch it on YouTube. This was my first time recording an in person video podcast at a  studio. Grab a virtual chair and tune in! In This Episode You’ll Learn: How Imani & Shaina both have followed their passions to live a life that they love How they pivoted during COVID to keep motivated  Their personal journeys with money and how they have started saving investing to meet their goals   What they would tell anyone who’s afraid to start or follow their dreams and much more... Watch on Youtube here: https://youtu.be/V0JDHMk2HtQ Other related blog posts/links mentioned in this episode: Listen to the Learn to Trade As A Side Hustle To Reach Your Financial & Life Goals FREE Audio Training with Teri Ijeoma by clicking here . Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . Connect with Shaina & Imani: <a href="http:/

S1 E220 · Wed, June 23, 2021

How to Earn Seven Figures Through Mission Driven Entrepreneurship and Live a Life You Don't Need to Retire From w/ Glo Atanmo

Glo Atanmo is a creative educator and mission driven entrepreneur who believes that we can use our creative talents (and social media) to make a living and a difference. When it comes to digital entrepreneurship, Glo has tried it all, from running a sports & entertainment blog to being a travel blogger. Despite Glo’s circumstances she always saw the opportunities in the obstacles. She joins us on the podcast this week to share how we can live, give & serve from a place of authenticity while earning a good living. Tune into this week’s episode to hear how in 3 years, Glo went from surviving on $2/day to running a 7 figure business.  In this episode you’ll learn: Why social media can be a tool to make a living and a difference  The importance of allowing yourself to evolve and pivot  How Glo created opportunities for herself with very little money How to be resourceful and lead from a place of service and much more... Watch on Youtube here: https://youtu.be/nyPoh8g9vDw Other related blog posts/links mentioned in this episode: Listen to the Learn to Trade As A Side Hustle To Reach Your Financial & Life Goals FREE Audio Training with Teri Ijeoma by clicking <a style= "font-size: 1rem; font-weight: inherit; bac

S1 E219 · Wed, June 16, 2021

An Introduction to Cryptocurrency: What You Need to Know If You Want to Start Investing in Crypto with Dr. Hans

In 2009, the first decentralized cryptocurrency, Bitcoin, was created by a pseudonymous developer, Satoshi Nakamoto. Since then, this is intangible, digital currency has quickly become one of the most volatile & lucrative new asset classes we’ve seen in our time. It seems like everyone is talking about it. If you're like me, then you may have just been confused or skeptical about it all. But 12 years later, it doesn’t seem like cryptocurrency is going anywhere, anytime soon.  It’s finally time to demystify cryptocurrency & bring the conversation to the Journey To Launch podcast. My guest Dr. Hans, also known as the Investing Tutor, gives us an introduction to cryptocurrency and breaks down what we need to know before we make our first crypto purchase.  Tune into this week’s episode to hear why Dr. Hans is so passionate about educating everyone, especially immigrants, on the importance and significant value of cryptocurrency and his two rules of investing when it comes to crypto.  If you’ve been wanting to learn more about investing in cryptocurrency, this episode is for you.  What You’ll Learn in the Episode: What is cryptocurrency How cryptocurrency works & is traded  The different types of cryptocurrency ex. Bitcoin  Who should invest in cryptocurrency & how to get started  Dr. Hans 2 rules on investing in cryptocurrency and much much more... Other related blog posts/links mentioned in this episode: To learn more about crypto check out Hope.com and The Investing Tutor . Listen to the Learn to Trade As A Side Hustle To Reach Your Financial & Life Goals FREE Audio Training with Teri Ijeoma by clicking here . Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNA

S1 E218 · Wed, June 09, 2021

How To Transition into a Career You’ll Love & Make Your Next Move, Your Best Move with Kimberly B. Cummings

What if you were able to create a career you enjoyed & loved, while on the path to Financial Independence? This week’s guest, Kimberly B. Cummings, is a career & leadership expert who shares practical tips and solutions on how to transition into a career that you’ll enjoy & that allows you to thrive. Kimberly is also the  author of her first published book, “Next Move, Best Move: Transition into a Career You’ll Love.” Kimberly was able to identify her strengths, leverage her skills, build her personal and professional brand to intentionally land her dream career, now she’s giving you the blueprint so that you can do it too. She also shares about her decision to quit her job and become a full time entrepreneur and shares about; her transition, how she made the financial leap, and tips on how to tell your employer about your own business.  In this episode you’ll learn: How Kimberly found a career that she loved and the steps you can take to find one The importance of a personal and professional brand The difference between peers, mentors, coaches, sponsors, and colleagues How to tactfully reach out to sponsors Why it’s important to reach mastery in your role and have an impact Why she quit her job and became a full time entrepreneur + much more... Other related blog posts/links mentioned in this episode: You can grab Kimberly’s Book, “Next Move, Best Move” here . Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . Connect with Kimberly: Website Instagram:@KimBCummings 

S1 E217 · Wed, June 02, 2021

How to Leverage Your Skills, Take Charge of Your Money and Get Your Children on the Right Financial Path w/ Catherine Alford

When’s the last time you wrote down your big, audacious goals and then actually went for them? This week’s podcast guest, Catherine Alford, entrepreneur and author of the new book, “Mom’s Got Money” did just that when she grew her small personal finance blog into a 6- figure business.  Catherine used the skillset she had from her graduate degree in History and her fascination with people to start & grow her writing business and blog. As a mom of twins and an entrepreneur, she is on a mission to empower all moms to utilize their natural gifts and talents to succeed with money.  Tune in to this week’s episode to learn more about how Catherine grew her business organically and tips she gives mothers on managing the load of finances and motherhood.  In this episode you’ll learn: How Catherine went from writing articles for $5 to running a 6 figure business Her experience of starting and growing her blog while living in Grenada  Tips for moms in using their gifts of managing a household to managing their finances & how to teach your kids about money Why you should have a dream big session + much more... Other related blog posts/links mentioned in this episode: If you missed enrollment, join the waitlist for my FI course. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 <a href="h

S1 E216 · Wed, May 26, 2021

Building a Media Empire, Raising Millions in Capital and Achieving Financial Freedom Her Own Way with Morgan DeBaun

What does it take to build a multi-million dollar business and raise millions in capital as a Black woman in Silicon Valley? You’ll find out from this week’s guest, Morgan DeBaun, Founder & CEO of Blavity Inc., the leading media company for Black culture and millennials.  Morgan shares the behind the scenes of starting Blavity Inc. and her own personal finance journey from not being able to pay herself a salary in the early stages of her company to recently buying her first home.  Tune in to this week’s episode to hear tips on how to build a business with or without outside capital, the CEO decisions it takes to get to the next level & managing your finances as an entrepreneur.  In this episode you’ll learn: How Morgan founded Blavity Inc.  The sacrifices & key decisions it took for her to make it to the next level What it takes to raise outside capital & scale a business The importance of owning equity & having liquidity in your business  Tips on managing your finances & buying a house as an entrepreneur and much more... Other related blog posts/links mentioned in this episode: There’s still time to join Teachable’s Launch Accelerator 4 week challenge where you’ll learn how to build out the foundation and key marketing assets of your course in 30 days so that it’s ready to pre-sell. The last day to enter the challenge is 6/1 and the challenge begins on 6/2, running through 7/1. Find out more and join here If you missed enrollment, join the waitlist for my FI course. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . Connect with Morgan: Website : <a href="http://www.

S1 E215 · Wed, May 19, 2021

Nine Money "Mistakes" That I've Made (and I'm still making) + What I'm Doing to Improve Them

What’s one money mistake that you’ve made in the past that you would do differently now? Are there mistakes that you’ve made but you don’t regret them? I’m sharing 9 money mistakes that I’ve made and in some cases I’m still making in this week’s solo episode. They range from buying a luxury car in my 20’s & saving too much.  Since I’m on this journey with you, it’s only fair that I’m transparent and share my own experiences & lessons along the way.   In This Episode You’ll Learn: My 9 money past/current money mistakes Why it’s important to improve the quality of your journey How to take risks & spend money in a way that feels good  What I am working on this year in my business and much more… If you want to grab the free "The Nine Money Mistakes That I've Made and What I'm Doing to Improve Them" worksheet that comes with this episode, click here ! In the episode, I also talk about the Teachable Launch Accelerator 4 week challenge where you’ll learn how to build out the foundation and key marketing assets of your course in 30 days so that it’s ready to pre-sell During the challenge, you’ll learn from real-life examples, scripts, and templates to see what works so you can achieve results quickly and hear tips and strategies from Teachable’s in-house Customer Success experts who regularly work with top-tier creators.  The last day to enter the challenge is 6/1 and the challenge begins on 6/2, running through 7/1.  Find out more & join the challenge here  Other related blog posts/links mentioned in this episode: Profit 1st System   If you missed enrollment, join the waitlist for my FI course. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my <a href="https://journeytolaunch.com/ynab" t

S1 E214 · Wed, May 12, 2021

YOLO-ATP: You Only Live Once After the Pandemic:How to Manage Your Spending in A Post Lockdown World While Still Reaching Your Money Goals

How can you plan to spend and enjoy life once the world gets to a new normal and opens back up? In this week's episode, I am talking about how you can still have the “YOLO-ATP” (You Only Live Once After The Pandemic) mentality that allows you to spend more on the things you value now and still reach your long term goals.  We have all been impacted in some way by the pandemic and it has influenced how we spend our time and money. As the world slowly re-opens, there may be a desire to rebel against all the restrictions placed on us when we were in lockdown by spending on the things we missed the most like travel, restaurants, etc. I want to show you how you can live your best life now while achieving your goals.  Tune in to this week’s episode to hear 4 steps to take now to enjoy life post pandemic and plan for the future. Plus, I’m sharing life & business updates with you at the end of the episode that you don’t want to miss.  In this episode you’ll learn: How to enjoy a “YOLO-ATP” life How you can live in a way that is aligned with what you desire 4 steps to enjoying & spending your money  How to continue to flex your saving and investing muscle + much more  Other related blog posts/links mentioned in this episode: Here is the DCU article on How To Manage Your Spending Post-Pandemic.  If you missed enrollment, join the waitlist for my FI course. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link .</

S1 E213 · Wed, May 05, 2021

How To Achieve A Million Dollar Mindset and Business with Rachel Rodgers

Do you truly believe you can be a millionaire? Get ready for this week’s guest in the rocket seat, Rachel Rodgers because she believes we should ALL be millionaires. Rachel is an intellectual property attorney, business coach, and the founder of Hello 7 and author of the new book, “We Should All be Millionaires.”  With a strong why and a courageous spirit, Rachel was able to build a multi-million dollar business. She shares that when we are financially whole and thriving, we are able to provide for ourselves, our families and our communities.  Tune into this week’s episode with Rachel to hear what it takes to have a million-dollar mindset. Learn how to recognize the limiting beliefs you have around money and how you can create more empowering thoughts that will serve you to become the best version of yourself. In this episode you’ll learn: Why you deserve to be a millionaire The importance of having a strong WHY and being courageous How you can recognize transferable skill sets 3 steps business owners can take in their businesses to level up + much more We are also giving away a copy to win Rachel’s book “We Should All be Millionaires,” you’ll need to do at least ONE of the following three things:  ✅Follow @journeytolaunch & @rachelrodgersesq on Instagram ✅Leave a review of the Journey To Launch podcast on Apple Podcasts (if that’s where you listen to the pod)  ✅Subscribe/Follow to the Journey To Launch podcast wherever you listen so you don’t miss an episode.  Then (you can’t skip this step), click the link in the bio @journeytolaunch or go to Journeytolaunch.com/win to enter (we will only pick the winner from the emails collected there)  The giveaway will be open from May, 5th 2021- May, 11th 2021. Two winners will be announced on May 12th! (must be 18+ & a US resident to enter).  Other related blog posts/links mentioned in this episode: You can order a copy of Rachel’s book “We Should All be Millionaires” here . If you missed enrollment, join the waitlist for my FI course. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 <a href="https://j

S1 E212 · Wed, April 28, 2021

Using Side Hustles to Earn an Additional $100,000 a Year and Paying Off $39,000 of Debt with Jannese Torres-Rodriguez

This week on the podcast, Jannese Torres- Rodriguez explains how she was able to make over 6 figures from her side hustle while working a 9-5. Jannese is passionate about teaching women of color how to create lucrative side hustles, invest with purpose, and generate sustainable wealth. Her passion for personal finance grew from getting serious about her own finances and becoming an entrepreneur.   Tune in to hear how Jannese grew her side hustle income to over $100k, paid off $39k in debt in 17 months and ultimately achieved her version of Financial Independence.  In this episode you’ll learn: How Jannese made over $100k from her side hustles How she transitioned from food blogger to personal finance podcast host The sacrifices she made to take control of her finances and become debt free Advice on how to start a side hustle and much more... Other related blog posts/links mentioned in this episode: You can find Jannese’s food blog at Delish D’Lites and her website is Yo Quiero Dinero Podcast .  If you missed enrollment, join the waitlist for my FI course. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . C onnect with Jannese: Website Instagram:@YoQuieroDineroPodcast <a href="http://www.twitter.c

S1 E211 · Wed, April 21, 2021

How to Use Frugality and No Spend Challenges to Accelerate Your Money Journey Plus Side Hustle Tips w/ Jen Smith

What does frugality mean to you? For Jen Smith, creator of modernfrugality.com, frugality means being a good steward of your resources. It’s consciously spending on things you value that give you the freedom to meet your goals. Jen is on a mission to rebrand the entire concept of frugality, so we can embrace it as a way to serve us. Adopting the practice of intentional spending and no spend challenges helped Jen and husband pay off over $78,000 of debt in 2 years.  Jen started as an acupuncturist, transitioned into a full time writer, and now she is stepping into entrepreneurship. She shares her journey from starting a side hustle to expanding into owning a business. Tune in to this week’s episode to hear a different perspective on the F word: Frugality. In this episode you’ll learn: How to use frugality to accelerate your journey to Financial Freedom The balance between increasing your income and spending consciously   How to do a no spend challenge How Jen transitioned from being an acupuncturist to a full time writer to an entrepreneur and much more... Other related blog posts/links mentioned in this episode: You can find Jen as the co-host of Frugal Friends podcast. If you missed enrollment to the Money Launch Club, join the waitlist here !  If you missed enrollment, join the waitlist for my FI course. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . Connect with Jen: Website Instagram:@ModernFrugality <a href="http://www.twitter.com/modernfrugality" target= "_blank" rel="noopen

S1 E210 · Wed, April 14, 2021

How to Decrease Stress and Increase Self Care on Your Financial Freedom Journey w/ Aisha Moore

Is there room for error in your schedule? How often do you factor in self care? This week on the podcast, I have Aisha Moore, a fellow Journeyer, self care advocate and stress management expert. After struggling with anxiety, getting demoted at work, and dealing with a strained marriage, Aisha decided to get serious and intentional about her self care. Aisha helps women move from overwhelm and stress to sustained success and healthy relationships. She shares that we often operate on autopilot and miss our body’s signals that we need to slow down. Missed signals turn into personal chaos, hurried energy, and physical ailments like nausea and headaches.  In the episode, Aisha shares the 8 components of holistic wellness that we can monitor and improve on throughout our lives. If you are constantly finding yourself with anxious energy and feeling overworked, tune in to this episode to hear how you can increase self care & prioritize wellness while on the journey to Financial Freedom.  In this episode you’ll learn: How you can get more intentional about your self care What signals our body sends when we are stressed The 8 components of holistic wellness The meaning of bedtime revenge and how to stop it and much more... Other related blog posts/links mentioned in this episode: You can find out more about Aisha and her services at selfcarebyaisha.com or seriousaboutselfcare.com If you missed enrollment to the Money Launch Club, join the waitlist here !  If you missed enrollment, join the waitlist for my FI course. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . Connect with Aisha: <a href="https://bethkanter.or

S1 E209 · Wed, April 07, 2021

Becoming Financially Whole, Doing What You Enjoy, and Making Good Money with Tiffany Aliche "The Budgetnista"

This week on the podcast, I have award-winning financial educator, host of the Brown Ambition podcast, and author of Get Good with Money Tiffany “the Budgetnista” Aliche. Tiffany shares her journey from being a preschool teacher making $39k a year to running a successful 8 figure business.  Tiffany embarked on a career in teaching after graduating college because she genuinely loved it. She was crystal clear on who she was and what she needed to do to excel: do what she enjoyed. After losing her job, direction in life, and experiencing financial trauma, she realized that she could take her skills as a teacher and launch into a brand new career, financial education. Tiffany shows us how it’s  possible when you serve from a place of joy & abundance while earning money.  In this episode you’ll learn: How Tiffany went from making 39k a year to over 8 figures  What living in purpose and serving with joy looks like 5+ lessons from Tiffany’s journey to entrepreneurship What does it mean to be financially whole What are the 10 core steps to being financially whole and much more... Doors to the Money Launch Club  are now open!  The Money Launch Club is my online membership community that gives you the support, tools, education & plan to reach your various money goals while on the way to your ultimate goal of Financial Independence. When you become a member of the Money Launch Club, you; become part of a close knit community where you feel like you belong, and can really get to know others in the group interact regularly with like-minded people who are serious about financial independence learn from others to implement the lessons and ideas into your own daily life go from always feeling guilty about spending to feeling bliss, happiness, and joy about the things that bring you joy Join before doors close on April 8th by clicking here . Sign up for the Pop Up Podcast Series, Building Blocks of Financial Success: Get Out of Debt, Save, Invest, and Achieve your Money Dreams” .  In this series you will learn:  Who are you and what is your “WHY”? Why do you want financial independence? The Simple and Advanced Wealth Formulas How to improve your mindse

S1 E208 · Fri, April 02, 2021

How to Like Your Job, Even When You Hate It & Finding Peace and Happiness on the Path to Financial Freedom

How do you enjoy the journey today? For the majority of us, the path to Financial Independence (FI) is a long emotional and mental marathon. This concept that once was an unattainable pipe dream, is starting to make more sense and become more real. However, is it worth it if you disdain the entire journey? In today’s solo episode, I share 6 tips on how to find peace and joy right now wherever you are on your road to FI. My hope is that after you tune in, you’re inspired to do the internal work it takes to truly enjoy the journey. Take at least one of these tips and turn them into action. Decide today if you are going to be exhausted and empty on your journey or fulfilled and joyous. In this episode you’ll learn: 6 tips to help you find joy and happiness on your journey How find peace where you are and stop “shoulding” on yourself How to diversity your happiness and find sustained gratification The power of recruiting friends and liking the job you hate How to uncover your purpose and much more... Doors to the Money Launch Club  are now open! The Money Launch Club is my online membership community that gives you the support, tools, education & plan to reach your various money goals while on the way to your ultimate goal of Financial Independence. When you become a member of the Money Launch Club, you; become part of a close knit community where you feel like you belong, and can really get to know others in the group interact regularly with like-minded people who are serious about financial independence learn from others to implement the lessons and ideas into your own daily life go from always feeling guilty about spending to feeling bliss, happiness, and joy about the things that bring you joy Join before doors close on April 8th by clicking here . Sign up for the Pop Up Podcast Series, Building Blocks of Financial Success: Get Out of Debt, Save, Invest, and Achieve your Money Dreams” .  In this series you will learn:  Who are you and what is your “WHY”? Why do you want financial independence? The Simple and Advanced Wealth Formulas How to improve your mindset and habits to bring you more wealth How

S1 E207 · Wed, March 31, 2021

Surviving and Thriving as a Small Black Owned Business in a Pre & Post Pandemic World

I am honored to bring you this week’s special episode featuring powerful stories of small Black business owners.  Earlier this year, School of Thought, a creative agency, and one of it’s long-standing clients, Milliman, hosted a conference that brought together business leaders to discuss the obstacles Black entrepreneurs faced in the pandemic. They wanted to present their conference attendees with a short but impactful mini-podcast episode that captured what it's like to be a Black entrepreneur in one of the most challenging economic environments we’ve ever seen.  I was asked to interview over 9 dynamic entrepreneurs and experts for this project in what amounted to over 540 minutes of audio. The final result is a powerful 25 minute podcast that beautifully captures the real issues facing Black small businesses.  In the episode, you’ll hear the entrepreneurs & experts share their experiences and the solutions that need to be implemented, so that Black small businesses can survive and thrive in a post-pandemic world.  The episode was; written, edited and produced by School of Thought. Find more of their work at www.schoolofthought.com The episode featured the following businesses/experts: Jeff Lindor, The Gentleman’s Factory gentlemensfactory.com   Kenyatta ' Kymme ' Williams- Davis , Bushwick Grind https://www.bushwickgrind.com/   Michelle Holder - Assistant Professor City University of New York https://www.jjay.cuny.edu/faculty/michelle-holder Tammeca Rochester - Harlem Cycle https://harlem-cycle.com/ Ajamu Webster - DuBois consulting https://www.dubconinc.com/ Alicia Hines- Likkle Dumpling House https://likkle.nyc/ Kenneth Ebie -  BE NYC https://www1.nyc.gov/site/sbs/businesses/black-entrepreneurs-nyc.page Karl Williams - 67 Orange Street http://www.67orangestreet.com Sign up for the Pop Up Podcast Series, Building Blocks of Financial Success: Get Out of Debt, Save, Invest, and Achieve your Money Dreams” by going to journeytolaunch.com/moneydreams In this series you will learn:  Who are you and what is your “WHY”? Why do you want financial independence? The Simple and Advanced Wealth Formulas How to improve your mindset and habits to bring you more wealth How community and accountability

S1 E206 · Wed, March 24, 2021

The Emotional and Mental Journey of Financial Independence and Finding Freedom Along the Way w/ Doc G

What gives you joy and purpose? This week on the podcast, Doc G, a hospice physician and the host of the Earn & Invest podcast, shares the emotional and mental journey to reaching Financial Independence (FI).  Doc G explains that often we see money as the goal, but money is a tool to get to where we really want. We can very easily chase the end goal of financial freedom and feel empty and lost once we reach there and lose our purpose. The journey shifts when we start by discovering our purpose and prioritizing happiness today on the journey. Tune in to this week’s episode to hear more and learn how to use money as a tool on your path to freedom.  In this episode you’ll learn: How Doc G reached Financial Independence (FI) Why he choose to continue working after reaching FI How to use money as a tool & lever The 5 stages of coping with FI What role mindset plays in achieving and enjoying FI and much more... Sign up for my FREE Pop Up Podcast Series, Building Blocks of Financial Success: Get Out of Debt, Save, Invest, and Achieve your Money Dreams” . First episode drops March 29! Go to journeytolaunch.com/moneydreams to sign up. Other related blog posts/links mentioned in this episode: If you missed enrollment, join the waitlist for my FI course. Doors to the Money Launch Club will be opening soon! So get on the waitlist to be the first to hear about it by going to moneylaunchclub.com  Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . Connect with Doc G: Website <a href="https://www.instagram.com/earnaninvest" target= "_blank" rel="

S1 E205 · Wed, March 17, 2021

Stop Being Aimlessly Broke and Create a Money Management System That Works with Melody Wright

What does it mean to be broke on purpose & not aimlessly broke? For this week’s guest, Melody Wright, it means intentionally not having any extra money left over after you put it through a money management system that allows you to thrive. Melody is the founder of Broke On Purpose. She is a trained PHd scientist who transitioned into personal finance after paying off $100k in debt in less than 3 years. She is also the author of the book, “Start Here: Your Guide to Building Your Money Management System.”  Melody’s mission is to help people make better choices with their finances in a systemized way that supports their goals. Tune in to learn the first step you can take to regain control of your finances.  In this episode you’ll learn: What it means to live broke on purpose  How Melody paid off 100k in less than a year How to create a money management system that allows you to reach your money goals and thrive The first step to gaining control of your finances and much more... Other related blog posts/links mentioned in this episode: If you missed enrollment, join the waitlist for my FI course and Money Launch Club . Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . Connect with Melody: Website <a href="https://www.instagram.com/brokeonpurpose" target= "_blank"

S1 E204 · Wed, March 10, 2021

How Diania Paid off $30,000 of Debt, Quit Her Job & Achieved FI-Flexibility with Diania Merriam

Can you imagine negotiating a virtual work arrangement with your employer that allows you to move across the country & take a 2 month sabbatical? That’s exactly what this week’s guest Diania Merriam did. Diania was able to move from NYC to Cincinnati and travelled to Spain for 2 months while keeping her NYC job .  On the podcast, Diania shares how she paid off $30,000 in debt in 11 months, and reached the milestone of Coast FI (financial independence). Diania brings a rich and bold energy this week that explains how she was able to achieve her success and talks about the conference she created, EconoMe which allows participants to come together and talk all things Financial Independence. Diania reminds us that personal finance is personal and your journey is customizable. Tune in this week to hear more about what she calls fi-flexibility and how it can support you on your journey. In this episode you’ll learn: How Diania landed her first job post college The definition of -FI- flexibility  What is Coast FI & how to reach it Why your mindset is so important on the journey  More about the  EconoMe Conference + a lot more I’m giving away 2 free tickets to the EconMe conference. All you have to do is follow me on IG @journeytolaunch and text #econ to (347) 252- 9025 or click here to be entered for your chance to win. Deadline to enter is 3/19. Winners will be announced on 3/24 There will be 200 Early bird tickets priced at $149 available March 7th - April 10th or until they sell out. Full price tickets are available for $199, but Journey to Launch listeners get 10% off full price with discount code: JOURNEYTOLAUNCH Other related blog posts/links mentioned in this episode: You can purchase tickets to the EconoMe Conference here . Ticket sales are now live. Visit the main website conference and the Youtube channel . You can tune into Diania on the Optimal Finance Podcast here .  If you missed enrollment, join the waitlist for my FI course and Money Launch Club . Join The  Weekly Newsl

S1 E203 · Wed, March 03, 2021

Tax Free Living: Tax Tips for Entrepreneurs, Side Hustlers, and W2 Employees with Carter Cofield

Are you leaving a generous tip to the IRS every time you pay your taxes? Carter Cofield, this week’s podcast guest, is sharing tips on how to save yourself and your business money during tax season.  Carter is a CPA, a Certified Public Accountant, and he genuinely enjoys talking about taxes. His goal is to educate people on how to make their taxes work for them. This episode is for you whether you are an entrepreneur, side hustler, or W2 employee.  Tune in to hear how you can potentially save money this tax paying season. Plus, Carter even shares with us where he is on his own journey to financial freedom.  In this episode you’ll learn: How you can make your taxes work for you  What is a tax write off + what’s included in it What is the golden formula Tax paying season vs. tax planning season What to look for when hiring a good CPA How to account for taxes as an active trader Pre tax vs. post tax investing and much more... Other related blog posts/links mentioned in this episode: You can check out Carter’s Tax Free Living Course here . If you missed enrollment, join the waitlist for my FI course and Money Launch Club . Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my <a href="https://journeyto

S1 E202 · Wed, February 24, 2021

Losing $300,000 of Your Life Savings in an Investment Deal Gone Wrong w/ Kierra Asnauskas

What would you do if overnight you lost over $300,000 of your life savings in an investment deal gone wrong? Unfortunately, that’s what happened to this week’s guest, Kierra Asnauskas. Kierra and her husband went from coming close to their goal of reaching Financial Independence to losing it all and having to start all over again. Tune in to what I hope to be a cautionary and inspirational story on taking risks and being resilient in the face of adversity.  In this episode you’ll learn: How Kierra and her husband lost over $300,000 What is forex trading  Kierra’s biggest takeaway from losing it all How Kierra is able to move on and rebuild and much more... Other related blog posts/links mentioned in this episode: Kierra was a guest on Episode 131 , “From Broke and Living in a Car to Traveling the World w| Kierra” If you want to check out Teri's Trade & Travel Program, click here .  If you missed enrollment, join the waitlist for my FI course and Money Launch Club . Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . Connect with Kierra: Website Instagram:@MissUnconventional_ <a href= "htt

S1 E201 · Wed, February 17, 2021

How to Navigate Awkward Financial Conversations With the People in Your Life w/ Erin Lowry

Raise your hand if you’ve had an extremely awkward conversation about money with a coworker, friend, family member or romantic partner?  You’re not alone, it happens more often than not and it can leave us feeling uncomfortable. This week on the podcast, my guest Erin Lowry of Broke Millennial shares how to effectively communicate about money with the people in your life. Erin’s third book, “ Broke Millennial Talks Money: Scripts, Stories, and Advice to Navigate Awkward Financial Conversations ” is all about how to handle financial conversations and offers actual scripts you can use in different scenarios. Tune in to hear insight and tips on how to have healthy talks about money while maintaining your boundaries and staying true to your financial goals.  In this episode you’ll learn: Ways to effectively communicate about money Why providing context is important in money conversations What is a friend fund and how it can work for you Why a prenup is beneficial and much more... Other related blog posts/links mentioned in this episode: If you missed enrollment, join the waitlist for my FI course and Money Launch Club . Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . Connect with Erin: Website Instag

S1 E200 · Wed, February 10, 2021

How to Use Trusts and Estate Plans to Build Intergenerational Wealth w/ Ifeoma Ibekwe

Do you know how to build intergenerational wealth? This week on the podcast I Ifeoma “Iffy” Ibekwe joins us to share how to build real wealth through estate planning. Iffy shares why it is  essential for us to have an estate plan and trust trust as part of our wealth building plan.. She also debunks barriers about the cost of estate planning and the requirements to start the estate planning process. Tune in to this week’s episode to learn how you can enjoy the wealth you create now and pass down wealth for the future generations to come. Iffy also talks about how she is able to balance her career, being a mom of 4 and get 8 hours of sleep every night so you don’t want to miss it.  In this episode you’ll learn: What does it mean to build generational wealth Why you should consider getting an estate attorney  The different documents that are a part of estate planning What does rest as a revolution mean and much more... Other Links Mentioned Here is the database of Black Estate Attorneys or you can book a consultation with her at her website . If you missed enrollment, join the waitlist for my Map Your Path to FI course and Money Launch Club .  Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . Connect with Ifeoma: Website In

S1 E199 · Wed, February 03, 2021

Is Financial Independence (FI) a Pipe Dream? The Concept of Congruence and Minimal Viable FI

This week’s solo episode is a mini TED talk on 3 topics that have shifted how I approach financial independence. Are your wants in alignment with your beliefs? Are you too afraid to dream of financial freedom because you don’t believe it’s possible for you?  The first step to changing your life is self awareness. In today’s episode, I dive into how being in congruence will impact your life, money, and way of being plus a lot more.    In this episode you’ll learn: What being in congruence means Why self awareness is the first step of change What minimal viable financial independence means  The 5 levels of financial independence Is financial independence a pipe dream? and much more  P.S. My goal is to reach level 4 of Financial Independence (FI): base expenses + frills + guac + first class, what’s yours? You might be a little confused and curious at what levels of financial independence I am speaking of, so I take you through all 5 in the episode.  Other related blog posts/links mentioned in this episode: If you missed enrollment, join the waitlist for my FI course and Money Launch Club . Check out the other tools that help me with my finances and business here . Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral

S1 E198 · Fri, January 29, 2021

Q&A: Managing Entrepreneurship & Mom Life During a Pandemic, Picking an Online Brokerage Account, Should you Invest Some of your Savings + More

How do you balance it all as an entrepreneur and mom during a global pandemic? Which brokerage account should I use? How can I get funding for my second real estate property? On this week’s episode, I am answering questions from Money Launch Club members and private messages I have received on social media.  Tune in to this week’s episode to find out if I answer a burning question that’s been on your mind. I may share some insights that can help you bridge a gap on your own journey.  In this episode you’ll learn: How to balance it all What I believe is our greatest resource Ways to outsource your household tasks Which online brokerage account to use What is a DTI If you should you invest or save your money and much more… Other related blog posts/links mentioned in this episode: I mentioned brokercheck.finra.org as a resource to check if brokerage accounts are operating by US laws.  If you missed enrollment, join the waitlist for my FI course and Money Launch Club . Check out the other tools that help me with my finances and business here . Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . C </

S1 E197 · Wed, January 27, 2021

How to Rewire Your Brain for Wealth and Financial Success w/ Barbara Huson

What would you be able to accomplish if you did what scared you? This week on the podcast, I have Barbara Huson, best selling author, financial therapist, teacher and wealth coach.  In her last book, “Rewire for Wealth: Three Steps Every Woman Can Take to Program Her Brain for Financial Success,” Barbara shares the missing piece she found in achieving financial success: the brain. Neuroscience plays a fundamental role in how we process, navigate, and spend money.  Once you train your brain to connect with your mind, anything is possible. Barbara teaches us to recognize, reframe, and respond to thoughts that are not serving us. Tune in this week to learn what you can do right now to bridge the gap from where you are now to where you want to be.  In this episode you’ll learn: The connection between the brain and mind The 3 ways to rewire your brain to achieve financial success How you can be an objective bystander  How can you increase your self efficacy and much more… Special thanks to DCU for sponsoring the episode! Learn more about DCU by clicking  here . Other related blog posts/links mentioned in this episode: You can get Barbara''s latest book “Rewire for Wealth” here .  If you missed enrollment, join the waitlist for my FI course and Money Launch Club . Check out the other tools that help me with my finances and business here . Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my <a href="http://journeytolaunch.com/ynab" target="_

S1 E196 · Fri, January 22, 2021

Our Real Estate Journey Part Two and How We Almost Lost $44,000

In my second real estate venture, my husband and I almost lost $44,000. After buying my first condo, I was very interested in real estate and I was excited to reap the same benefits with my partner.  This experience was vastly different, and we came extremely close to walking away and losing our 10% down payment. In this week’s episode, I share the lessons I learned when buying a property did not go as planned and how you can avoid the same mistakes. In this episode you’ll learn: How my husband and I almost lost $44,000 Why this real estate investment almost fell through The lessons I learned from this experience What BATNA is  The importance of sunk cost and having a strategy plus much more… Other related blog posts/links mentioned in this episode: I mention my first real estate investment at 22, which went very well and I talk about it more in depth in Episode 193 of the podcast.  If you missed enrollment, join the waitlist for my FI course and Money Launch Club . Check out the other tools that help me with my finances and business here . Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . <span s

S1 E195 · Wed, January 20, 2021

Healthcare Options for Financial Independence, Early Retirement Seekers and Entrepreneurs w/ Lynn Frair

What should I do about my healthcare? This is one of the questions I get asked most frequently regarding financial independence/ retire early and entrepreneurship.  This week on the podcast I have Lynn Frair, a nurse and founder of FI Healthcare, which is a knowledge base for healthcare options for early retirees and people who cannot depend on employer provided healthcare. Lynn also became financially independent and work flexible at the age of 38. After having a brain tumor in her 20s which completely wiped out her savings, she built her investments and passive income to replace her nursing wages. Tune in to this week’s episode to get the resources and information you need to understand what healthcare options are available to you and how you can better plan to budget for healthcare as an entrepreneur or early retiree.  In this episode you’ll learn: What is a premium, deductible, and out of pocket max What options you have in terms of healthcare What resources are available to you to learn more about your health care options  When the open enrollment period is and how to enroll if it is outside of that period and much more… Special thanks to DCU for sponsoring the episode! Learn more about DCU by clicking  here . Other related blog posts/links mentioned in this episode: How to enroll in the "marketplace" plan The 10 essential health benefits that are covered under the ACA My favorite algorithm for deciding if you should buy health insurance through the "marketplace"  Wex Health HSA vs. traditional health plan Marketwatch video of our family FIREstarters documentary (6 mins)  And the Marketwatch features about fihealthcare.com : https://www.marketwatch.com/story/this-early-retiree-has-a-unique-glimpse-into-the-covid-19

S1 E194 · Wed, January 13, 2021

Starting a Mobile Bank and FinTech Company with Sheena Allen

This week’s guest, Sheena Allen, is the youngest Black woman CEO and founder of a bank. Sheena created CapWay, a digital banking app and financial service provider, with the goal of closing the income, race, and financial literacy gap through access to banking and opportunities.  Growing up in Mississippi, she had first hand experience at what it was like to be underbanked and undeserved. Unlike major cities, there wasn’t a bank on every corner and banking options were limited where she grew up. In college, Sheena created her first app without knowing how to code and has been a force in the app and fin tech space ever since.  Her latest venture is a digital bank, CapWay. Tune in to this week’s episode to hear more about Sheena’s process to creating her very own digital banking app and her entrepreneurship journey.  In this episode you’ll learn: How Sheena created and funded her digital banking app CapWay  Why she created it  What the process of creating a FinTech company looks like What pre-seed, seed, and Series A mean How long it takes to build an app How much it costs to build an app and more... Special thanks to DCU for sponsoring the episode! Learn more about DCU by clicking  here . Sign up for my free class happening on January 14th: Financial Independence 101: How To Build An Action Plan to Reach Your Financial Goals and Live A Life of More Freedom! You can still sign up for my Private Pop- up Podcast, Financial Independence 101: Your Building Blocks to Create A Life of Financial Freedom . This series will expire on the 19th, so get it now! Other related blog posts/links mentioned in this episode: Arlan Hamilton was a guest on Episode 155 : Strengthen Your Mindset & Confidence to Turn Being Underestimated into Your Greatest Advantage  Check out the other tools that help me with my finances and business here . If you missed enrollment, join the waitlist for my FI course and Money Launch Club . The FI Course now called: Map Your Path To Financial Independence will open enrollment soon! Join The  Weekly Newslette

S1 E193 · Wed, January 06, 2021

How I Bought My Condo at 22 Years Old & My Biggest Takeaways & Lessons Learned

At 22 years old, right after graduating from college, I went into contract to buy a condo in DUMBO, Brooklyn. In this episode, I am sharing my real estate story and how I was able to become a first time buyer at such a young age in hopes of inspiring you on your own journey. There were several factors to my success that I share in this episode. One is the importance of representation, seeing someone who you can relate to doing something you want to do or that you didn’t think was possible. Tune into this week’s episode to learn about my biggest takeaways from the experience.  In this episode you’ll learn: How I was able to buy my first property at 22 Who inspired me to get into real estate The factors that lead to my success Valuable lessons I learned from my journey and much more... Special thanks to DCU for sponsoring the episode! Learn more about DCU by clicking  here . Other related blog posts/links mentioned in this episode: In the episode, I shared that my mom helped and supported me to buy my first property. She was on episode 75 of the podcast.  You can sign up for my Private Pop- up Podcast, Financial Independence 101: Your Building Blocks to Create A Life of Financial Freedom . Remember this series will expire soon! Check out the other tools that help me with my finances and business here . If you missed enrollment, join the waitlist for my FI course and Money Launch Club . The FI Course now called: Map Your Path To Financial Independence will open enrollment in January of 2021. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34

S1 E192 · Wed, December 30, 2020

2020 Year End Business Review: Breaking Down Revenue, Expenses, Profit & Lessons Learned

In this week’s solo episode, I’m sharing the behind the scenes numbers of how Journey To Launch did this year; income, expenses & profit. We increased our business gross revenue by 217% from 2019 and I want to share how I was able to accomplish that incredible growth. I’m also sharing the lessons learned from 2020 and my goals for 2021 I’m sharing these numbers so that I can be transparent about my journey as an entrepreneur to inspire you to go after your dream and make whatever excites you in your life happen. 2020 also marks two full years on my entrepreneurship journey and I am so proud of the milestones I am able to share with you today.  In this episode you’ll learn: How much Journey to Launch made in 2020 and the profit breakdown Why I started Journey to Launch How I was able to quit my job in 2018 How I can be selective and work from a place of integrity  Wins and milestones Journey to Launch has accomplished this year and much much more... Special thanks to DCU for sponsoring the episode! Learn more about DCU by clicking  here . Other related blog posts/links mentioned in this episode: On episode 61 , I shared about quitting my job: Why & How I Quit My 6-Figure Job & How This Affects My Journey To Financial Independence On episode 132 , I talked about my 2019 Year End Review & How Investing In Yourself is The Greatest Gift.  On episode 185 : Give Yourself More Credit & Honor the Journey; A Personal Coaching Conversation w/ Saundra Davis. It’s a unique episode because Saundra gave me a personalized coaching session and helped me clarify 2020 as a breakout year for the business.  The next two episodes were with Teri Ijeoma of Trade and Travel and a roundtable discussion I had with her students and journeyers. Episode 154 was How Teri Ijeoma Quit Her Job to Begin Trading Full Time and Travel the World. Episode 172 was also with Teri on Reaching Financial Independence, Buying her Dream Home in Cash & Amassing a $2 Million Portfolio. Then, Episode 173 was the roundtable discussion with Shaina, Crystal, and Shamessia: Learning Swing Trading as a Side Hustle to Pay Off Debt, Save & Reach Your Money Goals (Real Experiences from Real Journeyers).  <

S1 E191 · Wed, December 23, 2020

Identifying The Top Defining Moments In My Life + How to Use Them as Fuel to Get to Your Goals

Can you pinpoint the defining moments in your life that have shaped you into who you are today? In this solo episode, I share some of my defining moments, the building blocks from my past that helped me become the woman I am today and that helped me to start Journey to Launch. I talk about the journey often, so here are pieces from my journey that you have never heard before. They range from; childhood events, my “failures”, to also flying on a private jet with the CEO of a Fortune 500 company. Through this intimate conversation, I share what I found as a common theme from these experiences and how every single one of them has prepared me for the path I am on today. Tune in to this week’s episode to help you identify your own defining moments and to harness your power to succeed on your journey.  In this episode you’ll learn: My defining moments and how they have shaped me How important exposure and possibilities are My internship experiences Why it’s important to be bold and daring How partnerships and failures helped me grow and much more… Special thanks to DCU for sponsoring the episode! Learn more about DCU by clicking  here . Other related blog posts/links mentioned in this episode: In the episode, I shared that my mom was a guest on episode 75 of the podcast. Episode 75 was an interview with my mother and how she prepared me to prosper. If you missed enrollment join the waitlist for my FI course . Check out the other tools that help me with my finances and business here . Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12

S1 E190 · Wed, December 16, 2020

Teaching Children to be Financial Goal Setters & Starting, Funding and Growing a FinTech Company w/ Tanya Van Court

How we were raised to handle money as children has an impact on the financial decisions we make as adults. Tanya Van Court had over a 20 year career in Corporate America in companies like ESPN, Nickelodeon, and Discovery Education. She is now the CEO and founder of Goalsetter, a savings and financial literacy app that helps kids and families get better with money.  Her goal is to teach all kids in a fun and relatable way to be financially responsible, independent, and literate. Tanya has a powerful and motivating mission through her app to educate young people from all backgrounds, especially those who are underserved, the value of money. Tanya also shares more about her journey as Black woman entrepreneur in the FinTech space, and the obstacles she had to overcome to start, fund, and grow her company.  Tune in to hear Tanya’s inspiring message and transparent conversation about how being bold, courageous, and speaking up helped her build Goalsetter from the ground up. In this episode you’ll learn: What the Goalsetter app is about How you can start teaching your kids about the value of money How much it can cost to start a FinTech company The obstacles you can face as an entrepreneur and much more... Special thanks to DCU for sponsoring the episode! Learn more about DCU by clicking  here . Other related blog posts/links mentioned in this episode: I mentioned Adam Carroll who was on episode 181 of the podcast: How To Build A Bigger Life & Become A Master of Your Money.  If you missed enrollment join the waitlist for my FI course . Check out the other tools that help me with my finances and business here . Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! <a href= "http://bronx.news12.com/category/328482/making-cents-with-kristie" targ

S1 E189 · Wed, December 09, 2020

Live a More Intentional Life & Opt Out of Things That Don't Serve You w/ Cait Flanders

Is there anything in your life right now that you can opt out of that is no longer serving you? This week on the podcast, I have Cait Flanders, best selling author, of “The Year of Less” and “Adventures in Opting Out.” After paying off her debt, Cait did not have a plan for her money so many of her poor spending habits resurfaced.  At 29, Cait challenged herself to go on a shopping ban where she spent less and saved more.  Cait realized that having clear, meaningful goals makes it easier to save and scale back. In addition, it was crucial for her to work through her internal blocks before she was able to move forward on her journey. Cait shares how to opt out and change paths from something that is no longer right for us.  In this episode you’ll learn: More about Cait’s year of less shopping ban How spending can be linked to internal blocks and emotional attachments Why it is important to have clear, meaningful goals What opting out means  The 5 “stages” on the journey to opting out outlined in Cait’s book “Adventures in Opting Out” Why community is so important and much more... Special thanks to DCU for sponsoring the episode! Learn more about DCU by clicking  here . Other related blog posts/links mentioned in this episode: Cait has two books, “ The Year of Less ” and “ Adventures in Opting Out ” If you missed enrollment join the waitlist for my FI course . Check out the other tools that help me with my finances and business here . Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List <a href="https://www.journeytolaunch.com/voicemail/" target= "_blank" rel="

S1 E188 · Mon, December 07, 2020

The Immigrant Experience with Money + How To Become the Ultimate Go Getter with Shinjini Das

Shinjini Das of Das Media Group, comes on the podcast this week to talk with me about the immigrant experience and money. As first or second generation immigrants, we have a unique experience navigating through America and becoming financially educated. What makes our experiences special is that they are all different. Shinjini was the undergrad commencement speaker at her University, Georgia Tech and then went on to become a competitive public speaker and entrepreneur.  Shinjini refers to her community as Go Getters and empowers them with actionable advice to achieve their goals.  In this episode you will hear more about Shinjini's story as a first generation immigrant and how she uses DCU for her banking needs. She also shares why it is important for her as an entrepreneur to have separate personal and business accounts.    In this episode you’ll learn: How helpful it is to bank with DCU Why Shinjini is passionate about banking with DCU Why it is beneficial to separate personal and business banking accounts and much more... Special thanks to DCU for sponsoring the episode! Learn more about DCU by clicking  here . Other related blog posts/links mentioned in this episode: I wrote an article, All About the Immigrant Experience and Money, in conjunction with DCU here. Article is not published yet, add it here when it is I mentioned Mike Michalowicz’s book, Profit First , which helped me with my process with my business account and paying myself first.  If you missed enrollment join the waitlist for my FI course . Check out the other tools that help me with my finances and business here . Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! <a href= "http://bronx.news12.com/category/328482/making-cents-with-krist

S1 E187 · Fri, December 04, 2020

A Bonus/Emergency Episode: How to Get Your Employer to Possibly Pay $5,250 Towards Your Student Loans Before the End of 2020

Did you know that your employer could pay off $5,250 of your student loans this year (2020)?! The payments wouldn't be taxable to you as the employee and your employer would get a tax break on the payment. But your employer would have to make the payment by December 31, 2020. This was a new provision made in the Cares Act back in March 2020 that many people didn’t know about.  I found this out thanks to a tweet from episode 151 guest Lynette Khlafani Cox and when I shared this with my audience on my Instagram account @journeytolaunch, the comments went crazy with questions and comments. I had so many questions about it that I just had to invite Lynnette back on the podcast for an emergency episode to help answer some of your most asked questions on the subject.  We cover the following questions (and more):  What's the best way to ask your employer about this?  What's in it for the employer? Does this apply to govt employees or non-profit employees? What if you are your own employer, is there a loophole that entrepreneurs can use for themselves? Do prior student loans qualify that you got years ago or for a degree not completed? Can employers add additional stipulations like you must continue working there for X amount of time Does this apply to part-time employees?  What are the chances that this will be extended into 2021? Take a listen to this episode and share it with someone who could benefit from it. Remember you have until the end of 2020 for your employer to make the payment.  Other related blog posts/links mentioned in this episode: Lynnette’s blog post on the subject  Click here to get the HR email template you can send to your HR department More COVID resource articles from Lynnette here Listen to Lynnette’s first appearance on the podcast where she talked about the CARE’s act & Economic Relief package her e If you missed enrollment join the waitlist for my FI course . Check out the other tools that help me with my finances and business here . Check out the <a href="http:/

S1 E186 · Wed, December 02, 2020

Learn How Investing Works & Grow Your Money w/ Bola Sokunbi from Clever Girl Finance

What’s stopping you from investing? Chances are you can start right now! In this episode, Bola Sokunbi shares all things investing. Bola is my most recurring guest because she continues to share tangible gems with my audience.  She is the founder of Clever Girl Finance, one of the world’s largest personal finance platforms for women in the U.S.. Bola does it all, she is a podcaster, mom, and entrepreneur. She just published her new book, which I am featured in, titled, Learn How Investing Works, Grow Your Money.  Sometimes, the financial jargon around investing can make it seem too difficult to start. Bola shares why people don’t invest and a common theme she sees from successful people who do invest.  She also reminds us that it is never too late to start and shares why you shouldn’t wait to pay off debt before you start investing.  If you have fear around investing or are curious to learn more about how to generate wealth, this episode is for you.  In this episode you’ll learn: 2 of the biggest concerns of why people don’t invest  What’s the first step to investing Different types of retirement accounts from your employer  Some mistakes beginners make A common theme from successful investors and business owners  Why it’s never too late to invest How to invest and pay off debt Ways to diversify your income as a business owner and much more... Special thanks to DCU for sponsoring the episode! Learn more about DCU by clicking here . Other related blog posts/links mentioned in this episode: Bola was a guest on episodes 22 (How Investing In Yourself & Starting A Business Can Lead To Financial Success) and 106 (Creating Financial Freedom & Wealth On Your Own Terms) of the podcast.  Bola’s book “ Learn How Investing Works, Grow Your Money ” can be purchased at Audible and Barnes and Nobles.  If you missed enrollment join the waitlist for my FI course . Check out the other tools that help me with my finances and business here . Check out the <a href="http://journeytolaunch.com/podcastindex" target="_blank" rel="n

S1 E185 · Wed, November 25, 2020

Give Yourself More Credit & Honor the Journey; A Personal Coaching Conversation w/ Saundra Davis

When will you know when you are satisfied? It’s a simple but weighted question because we are often chasing something. This episode is special because you get to be a fly on the wall in a mini-coaching session between myself and Saundra Davis. Saundra Davis is a nationally recognized financial coach, educator, consultant, and motivational speaker, challenges Jamila to get to the root of why 2020 will be a breakout year for her.  I had breakout years every 2 years since 2010, so I hoped that 2020 would be no different. And then the pandemic happened. What if you were able to reframe the way you approached this year, so that you could embrace all that went well? Would you step into the last month of this year any differently? In this episode, Saundra helps me commit to what will help me be the best entrepreneur, mom, and leader I can be. Buckle up to go on the journey with me, take out your pen and paper, and commit to yourself now how you will finish 2020.  In this episode you’ll learn: What a coaching session looks like  How you can show up for yourself  How to commit to your journey and get accountability partners to help you on the way and much more... Special thanks to DCU for sponsoring the episode! Learn more about DCU by clicking here . Other related blog posts/links mentioned in this episode: Saundra was a guest on Episode 169 of the podcast Become Your Own Money Expert and Build A Financial Life True to Your Values & Desires. Black Friday Sale is happening all week long and the doors are now open to join the Money Launch Club until November 30. Teri is also having a Black Friday Sale for her VIP Trade and Travel Package and she is giving all of my Journeyers 10% off with the code: FRIYAY from Nov. 23- Nov. 30, click here to enroll. If you missed enrollment join the waitlist for my FI course . Check out the other tools that help me with my finances and business here . Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The <a href="https://www.journeytolaunch.com/join" target

S1 E184 · Mon, November 23, 2020

Money Launch Club Doors Are Open! + The Underlying Theme I've Noticed In My Private Communities

This is a surprise episode where I announce that the Money Launch Club doors are open and I talk about a common underlying theme I have been noticing in my private community as well as in my first cohort of the Journey to FI course! Compared to the Facebook community, the Money Launch Club is a paid community where people invest to be in a space with other like-minded individuals.   The common theme I have noticed is the community aspect of it, which allows members to feel the support and encouragement needed on those tougher days where they may not feel as motivated. If you are searching for a community that shares your same ideas while on your journey to Financial Independence, then you can check out the Money Launch Club ! In the Money Launch Club you will get: S.T.E.Ps- the support, tools, education & plan to help you reach your money goals. Accountability through Weekly Wins & Monthly Goal Challenges Monthly Group Coaching Calls After Show Chats & Masterclasses with guests from previous episodes Book Club Meetings Virtual Meet-ups within the club & much more! Other related blog posts/links mentioned in this episode: Go to moneylaunchclub.com/interviews  to listen from journeyers who are in the Money Launch Club and have been on the podcast. Get the Free Journeyer Jump Start Guide here. Check out the other tools that help me with my finances and business here . Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   W

S1 E183 · Wed, November 18, 2020

How To Transition from Corporate America to Entrepreneurship + All The Other Things They Don't Tell You About Owning A Business w/ Tammeca Rochester

What happens when COVID strikes your business and you have to pivot in an instance? Tammeca Rochester did exactly that and shares how she was able to keep her fitness business, Harlem Cycle, thriving during an extremely difficult time.  Tammeca did not set out to start her own cycling studio, but when she felt the pull to do so, she listened to it.  Tammeca first started as an engineer then switched to the marketing field and then transitioned into running her business, Harlem Cycle, a cycling studio. She always knew she had an immense passion for helping people discover who they are and who they want to be, so when she passed an empty space for sale in Harlem on her afternoon run, it clicked in that moment that cycling should be brought to Harlem.  Tammeca knew what was possible and went after what she wanted. She came up with the idea for Harlem Cycle in November 2015, signed her lease in February 2016 and held her first cycling class in April 2016.  In this episode, Tammeca shares how starting a business is possible and the obstacles she overcame to make it successful. I hope you are as excited as I am to  head to Harlem (post COVID), hop on the bike, and take part in the magic of Harlem Cycle.  In this episode you’ll learn: Why you should take the leap and do what scares you  The potential start up costs to a brick and mortar  How to market your new business  Ways to pivot your business during COVID and much more... Special thanks to DCU for sponsoring the episode! Learn more about DCU by clicking here . Other related blog posts/links mentioned in this episode: Check out the other tools that help me with my finances and business here . Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News1

S1 E182 · Fri, November 13, 2020

Bonus Episode- Everything You Need to Know About Credit Unions and Why Banking with a Credit Union is Good for Your Wallet and Community

Are you a part of your local credit union? Ron McLean, president of Cooperative Credit Union Association , shares why everyone should join a credit union and debunks common myths associated with credit unions. The mission of a credit union is people helping people, which includes caring for families, communities, and businesses.  Credit unions aim to form meaningful relationships with their customers and emphasize people over profit.  This is clear through the ways credit unions uplift their customers, serve underserved communities, assist with economic injustice, and educate it’s communities on financial education and literacy.  Joining a credit union can be an integral part of your journey to reaching Financial Freedom because it helps to give you more options to banking. There is a credit union available for any and everybody, with one simple search you can find the one nearest to you today.  In this episode you’ll learn: The mission of credit unions How credit unions work and serve local communities Why you can trust credit unions with your money What myths are not true when it comes to credit unions How to join your local credit union, and much more… Special thanks to DCU for sponsoring the episode! Learn more about DCU by clicking here . Other related blog posts/links mentioned in this episode: Reminder, Jamila and Ron will be going LIVE on Instagram November 20 at 12pm on @journeytolaunch and @dcucreditunion!  Ron gives two websites that you can search to find your local credit union: Better Values, Better Banking and Your Money Further .  Check out the other tools that help me with my finances and business here . Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! <a href= "

S1 E181 · Wed, November 11, 2020

How to Build a Bigger Life (not a bigger lifestyle) & Become a Master of Your Money w/ Adam Carroll

How can you craft a life you love today while not waiting for the end goal of Financial Independence to be realized?  How can you build a bigger life (not a bigger lifestyle) and become a master of your money? Adam Carroll is an internationally recognized speaker, author, podcaster, and retreat leader.  He’s a two time TED Talk speaker with one of his talks surpassing 5 million views. Adam believes that we are all life architects and for him that means living his life according to 5 core values; family, freedom, love, growth, and connection. The more we get aligned with our core values, the more we are able to build a big life.  Adam and his wife work together as a team for their future vision and shared goal of Financial Independence. With him being on the financial offense (focusing on growing income) and her being on the financial defense (focusing on limiting their expenses), they make an effective team thus increasing their “life factor”. The life factor is limiting expenses and maximizing income which creates a giant spread. The bigger the life factor, the more free you can ultimately be. Using this strategy, Adam and his wife were able to pay off their mortgage early, take a month to travel through Italy and raise more financially aware kids. Adam shares that money is important because it gives us choices, options, and flexibility. While he is very close to reaching Financial Independence, he doubts he will stop working because he loves what he does- writing, speaking and storytelling.   In this episode you’ll learn: How to build a bigger life and become an architect of your life What is a “life factor” and how to create more balance on your financial journey How to mentor and coach your children to be successful with money  Ways to build financial awareness with your children How to break money cycles and much more... Other related blog posts/links mentioned in this episode: Adam gave a Ted Talk on what playing Monopoly with real money taught his kids.  Adam mentioned the book he read, “ Smart Couples Finish Rich ,” that helped him and his wife get on the same page  Check out the other tools that help me with my finances and business here . Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can bi

S1 E180 · Wed, November 04, 2020

How Lawrence Amassed a Six Figure Net Worth and Doubled His Income to Six Figures (while still in debt)

Lawrence Gonzalez had a choice to make: should he continue falling deeper into debt or get serious and make a plan? With 6 figures of debt, Lawrence decided it was time to make a decision: to be in control of his finances.  He made the decision to not finish graduate school, get a job, and ultimately, live the life he wanted.  Lawrence is a proud Haitian-American and decorated veteran Sergeant of the United States Marine Corps. He grew up in Haiti until the age of nine and witnessed that his grandmother with six kids was able to make it work with a very low income.   For Lawrence it all came down to having a strategy. One of the many strategies and skills that Lawrence was able to hone was the language of resumes.  He began working on mastering his resume and went from his first job in 2012 of making $23,000 to getting a new job a year later bringing home $32,000. He saw how much a resume mattered, so 6 months later he did it again but this time managed to secure a government position and doubled his income to $64,000. Now in 2020, he is still in the same government position as an Auditor but has since been promoted and is now bringing in $109,000.  Even though Lawrence did not finish school, what helped him excel was that he knew his strengths, his passion and wanted to give back to his community.  His story also shows us that you can still have debt and reach your financial goals. Debt is something that he chooses to live with and is manageable for him because he has a strategy. Focusing on building assets and investing has allowed him to own a home, a rental property, and start a small business, which would have been impossible if he focused on paying off his debt first.  Now he is on the journey to achieving his goals of reaching a million dollar net worth in 5 years and retiring in 15 years. Lawrence acknowledges that reaching Financial Freedom gives him and his financé the opportunity to do even more in the community and help people around them live their best lives. He believes there is a powerful synergy when we help each other out and show others what is possible.  The main message here is to just start and put one foot in front of the other. We can all do extraordinary things when we just decide to put our foot on the gas.  In this episode you’ll learn: How to increase your income   How to calculate your magic number to reach financial freedom The importance of having and owning your story  How to have debt and reach your financial goals and much more... Other related blog posts/links mentioned in this episode: Check out Lawrence’s Instagram post of him and his finacé saving/ investing almost 50% of their income. Elizabeth White was on <a h

S1 E179 · Wed, October 28, 2020

Why the Money Gurus are Wrong & Other Principles You'll Need to Understand to Reach Your Money Goals

In this week’s solo episode I am talking about the five truths I learned on my financial journey. Some of these points might surprise you, but you’ll have to take a listen to hear them for yourself. I hope what I share in this episode will help you on your journey to financial freedom and independence. In this episode you will learn: What the financial gurus don’t always get right One thing that’s holding you back from achieving financial independence How to find more money to save and invest What’s the best investment you can make, and more Plus there’s only one more day left to sign up for the Journey To FI course before doors close. Find out more and enroll here . Other related blog posts/links mentioned in this episode: Check out episode 61 where I talked about why I quit my 6-figure job and how it affected my journey to financial independence. Or listen to episode 5 where Ed, an educator, shares how he became a millionaire on a teacher’s salary.  Check out the other tools that help me with my finances and business here . Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB –  Start man

S1 E178 · Wed, October 21, 2020

Start and Map Out Your Journey To Financial Independence With These Steps

Check out this week’s solo episode where I share five out of  the ten steps you need to map out your path to financial independence. These steps will empower you to get started and show you that financial independence is possible. But first I help you define what that means financial freedom means for you. In this episode, I talk about how to plan your path to financial freedom, my new Journey To Financial Independence course, the 5 Journeyer stages, how to fuel your goals, and more.  In this episode you will learn: Five of the ten steps to help you plan your journey to financial independence How to fuel your goals and achieve success The five journeyer stages All about my free class and Journey To Financial Independence (FI) course, and more  Register for my free class on October 22 at 8:30 PM EST. I will teach you how to unlock financial freedom right now. Register today !  Other related blog posts/links mentioned in this episode: Learn more about the 5 Journeyer Stages here . Also, check out my FI course . Check out the other tools that help me with my finances and business here . Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my <a href="http://journeytolaunc

S1 E177 · Wed, October 14, 2020

How to Live a Rich Life & Make Your Own Money Rules w/ Ramit Sethi

Ramit Sethi is New York Times bestselling author and founder of I Will Teach You to Be Rich . After 16 years in the personal finance space, Ramit is still teaching people how to set specific goals for themselves and their money. He has a unique way of talking about money and challenges the normal points of view you often hear from other personal finance “gurus”. In this episode, Ramit shares tips on how to; save you money, earn more, and live a rich life. In this episode you’ll learn: An exercise to help you get specific about your goals and money Ramit’s story about going from a free blogger to a paid author and how to prepare yourself for your own journey Why you need to earn more  The CEO model and how you can use it get rich Five phone calls you can make to save $1,000 right now, and more Register for my free class on October 22 at 8:30 PM EST. I will teach you how to unlock financial freedom right now. Register today !  Other related blog posts/links mentioned in this episode: Register for The Big Reset 2020 , on October 16th, The Financial Diet’s digital summit! Use my code “Journey” to get $10 off. Check out the other tools that help me with my finances and business here . Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using

S1 E176 · Wed, October 07, 2020

How to Pay Off Debt & Merge Your Talents with Making Money w/ Yanely Espinal

Yanely Espinal, also known as Miss Be Helpful , grew up with immigrant parents and eight brothers and sisters in Brooklyn, New York. As a child she didn’t know much about money. When she got a full scholarship to Brown University her mind was blown by the amount of wealth her classmates enjoyed. Her efforts to keep up caused her to rack up $20,000 in credit card debt.  When Yanely started her career as a teacher and realized she didn’t have enough to cover her debt, bills, and an unexpected medical expense, she knew something had to change. That’s when she got serious about paying off her debt and improving her finances.  Today, Yanely has a successful YouTube Channel and is a director of a financial education program that teaches students, teachers, and professionals about  financial literacy. In this week’s episode we are talking about Yanely’s financial journey and the obstacles she overcame along the way.  In this episode you’ll learn: Tips to launching a successful YouTube Channel  How to pay off debt and start building wealth  Ways to combine your passion and your profession All about a free financial literacy program, and more Also, don’t miss my free class October 22 at 8:30 PM EST. I will teach you how to unlock financial freedom right now. Register today at Journeytolaunch.com/freeclass! Other related blog posts/links mentioned in this episode: Check out the Mamas Talk Money Summit taking place October 12-16, 2020! I’ll be speaking on October 14th at 10:30 am about Financial Independence! Registration is FREE so don’t miss out. Register for The Big Reset 2020 , The Financial Diet’s digital summit! Use my code “Journey” to get $10 off. Yanely recommended Suze Orman’s book Women & Money . It helped her get out of debt in 18 months. Check out the other tools that help me with my finances and business here . Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List </l

S1 E175 · Wed, September 30, 2020

How To Build Healthy Money Habits & Become A Smart Money Mama w/ Chelsea Brennan

Chelsea Brennan, the founder of Smart Money Mamas is on the Journey to Launch Podcast sharing how she went from being a hedge fund manager to a full-time financial educator. She helps moms connect with all aspects of their money so they can overcome emotional blocks, identify what they want most, and create healthy money habits to achieve their goals.  In this episode, Chelsea and I talk about how we both walked away from lucrative careers in the finance industry to start our own business and help others get better with their finances. Don’t miss these money tips and ways to transition from your career to your passion and get tips to on how to become a smart money mama In this episode you’ll learn: How to transition from a 9 to 5 career to your passion project or business The importance of boosting your earning power How to cut back without cutting out all the fun Questions to ask yourself if you want more time, health, and happiness Tips for stay at home parents and more Check out the Mamas Talk Money Summit taking place October 12-16, 2020! I’ll be speaking on October 14th at 10:30 am about Financial Independence! Registration is FREE so don’t miss out; go to journeytolaunch.com/moneymammas to register! Other related blog posts/links mentioned in this episode: Check out the other tools that help me with my finances and business here . Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my <a href= "http

S1 E174 · Wed, September 23, 2020

Making 6 Figures Online & Living a Location Independent Lifestyle To Work & Live From Wherever You Want w/ Michelle Schroeder-Gardner

Michelle Schroeder-Gardner of Making Sense of Cents started her journey to financial freedom by paying off almost $40,000 in student loans in seven months. She shared her journey on her website and turned her blog into a six figure online business. Today, Michelle helps others with their money while she and her husband travel full time on a sailboat.   Listen to this episode to learn more about how to; make money online and have a location independent lifestyle where you can work and live from wherever you want. In this episode you will learn: 3 things to do to get started with an online business and blog  How Michelle turned her blog into a six-figure online business Several ways to make money online What life is like if you travel full time on a RV or sailboat The power of networking with other bloggers and more Watch this on youtube by going to https://youtu.be/K0CTT4mDkbA Other related blog posts/links mentioned in this episode: If you want to hang out with me and Teri, sign up for our free class tonight at 830 pm EST. Seats are limited so reserve your space today! Check out the other tools that help me with my finances and business here . Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my <a href= "https://www.youneedabudget.com/landing/journey-to-launch/?utm_medium=affiliate&utm_source=journeytolaunch.com&utm_campaign=journeytol

S1 E173 · Wed, September 16, 2020

Learning Swing Trading as a Side Hustle to Pay Off Debt, Save & Reach Your Money Goals (Real Experiences from Real Journeyers)

Last week, Teri Ijeoma shared her story on going from trading as a side hustle to being able to; trade full time, travel the world and reach Financial Independence. Teri now runs a multimillion dollar business teaching others who want to learn trading as a side hustle to reach their financial goals.  This week, I’m sitting down with 3 of her new students in her Trade and Travel course who also are Journeyers. Tune in to learn more about what it's like to learn trading as a beginner, the importance of investing in yourself and what it’s like to be a part of Teri’s larger mission to collectively earn a million dollars a day and help people change the world.  In this episode you’ll learn: How you can trade for more income to save, invest, or pay off debt When you should invest in yourself and how to manage risks Three students’ perspective on learning how to trade, and so much more Other related blog posts/links mentioned in this episode: Episode 154: How Teri Ijeoma Quit Her Job to Begin Trading Full Time and Travel the World Episode 172: Reaching Financial Independence, Buying her Dream Home in Cash & Amassing a $2 Million Portfolio w/ Teri Ijeoma Do you want to trade and travel like Teri? Sign up for her course now!  If you still have questions and want to hang out with me and Teri, sign up for our free class on September 23 at 830 pm EST. Seats are limited so reserve your space today! Check out the other tools that help me with my finances and business here . Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest

S1 E172 · Wed, September 09, 2020

Reaching Financial Independence, Buying her Dream Home in Cash & Amassing a $2 Million Portfolio w/ Teri Ijeoma

Teri Ijeoma was an assistant principal who started trading in the stock market to make extra income. Her goal was to make $300 a day to replace her salary. Today, Teri trades, travels, and has made over $100,000 a day trading in quarantine! In this week’s episode check out what Teri has been able to accomplish since her last appearance on the podcast. We are talking about how Teri achieved financial independence, bought her dream home with cash, and helped her students earn $1,000 a day trading too.   If you want to learn more about trading and want to hang out with Teri & I to learn more about her program, sign up for our free class on September 23 at 830 pm EST. Seats are limited so reserve your space today here ! In this episode you will learn: How Teri build a $2 Million dollar portfolio swing trading What is swing trading and how to get started  The difference between active and passive traders How you can make $1,000 a day Ways to discover and monetize your skill sets  The importance of knowing your why, and more You can watch this interview with Teri on Youtube by clicking  here . Other related blog posts/links mentioned in this episode: Check out Teri’s previous episode on the podcast: How Teri Ijeoma Quit Her Job to Begin Trading Full Time and Travel the World Do you want to trade and travel like Teri? Sign up for her course now!  If you still have questions and want to hang out with me and Teri, sign up for our free class on September 23 at 830 pm EST. Seats are limited so reserve your space today at http://www.journeytolaunch.com/tradingclass .  If you like this episode you’ll love my interview with Kumiko Love, The Budget Mom , who also saved and bought her dream house in cash! Check out the other tools that help me with my finances and business here . Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics

S1 E171 · Wed, September 02, 2020

Money, Goals & Mindset: Lessons from Taco Shells, Bloating & Running

In this week’s episode of The Journey to Launch Podcast, I'm talking taco shells, bloating and running. What does this have to do with money? Listen to find out. In this solo episode I’m sharing more about my life behind the scenes. I have updates on my fitness journey, tips about how and when to adjust your path to financial independence, and encouragement to keep going even when you don't see the results right away.  In this episode you will learn: What tacos, bloating, and running have to do with money How to adjust your financial journey and find what works for you Reasons why you need to keep going even when you don't see the results Why you need to forget about being perfect and just get started Other related blog posts/links mentioned in this episode: Check out the other tools that help me with my finances and business here . Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . C onnect with me:

S1 E170 · Wed, August 26, 2020

How to Coast to FI: The Slow, Intentional, and Balanced Approach to Reaching Financial Independence w/ The Fioneers

Jessica and Corey are coasting their way to financial Independence (FI), and have found a way to create more time and freedom in their lives today. As a dual income household with no kids, they currently live in Boston, a high cost of living city. Also, known as the Fioneers , Jessica and Corey are showing people how to calculate their financial independence number and design a more balanced life before the traditional retirement age.  In this episode, Jessica and I talk about the different paths to financial freedom, how to determine your FI number, entrepreneurship, and more.   In this episode you will learn: What is Coast FI and how to start coasting now How much you need to retire early  Ways to encourage your partner to join you on your financial journey Hacks to fast track your way to happiness 4 things to consider when designing your own life What is a location independent entrepreneur, and more Other related blog posts/links mentioned in this episode: Check out the book Jessica mentions in her interview, Your Money or Your Life by Vicki Robin. Calculate your Coast FI number with this calculator and guide today! Plus check out some of the Fioneer’s other blog posts: Why You Should Design Your Life Before Reaching FI - people can download the Coast FI calculator from this post  FI Milestones that Actually Motivate - the Coast FI calculator is in this post as well, and this post describes how to use it.  How I Went From Making $11,000 to Reaching Coast FI in 10 years  Why I Accepted a Part-Time Job on My Path to FI Check out the other tools that help me with my finances and business here . Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List Leave me a vo

S1 E169 · Wed, August 19, 2020

Become Your Own Money Expert & Build A Financial Life True To Your Values & Desires w/ Saundra Davis

It’s never too late to start your financial journey. At 44 years old, Saundra Davis took a risk and went back to school for a master’s degree in personal financial planning. Today, she is a living legend in the personal finance space. She has taught so many coaches in the financial industry. It’s an honor to have her on The Journey to Launch Podcast and to share this conversation with you.  Saundra is the Founder and Executive Director of Sage Financial Solutions , a San Francisco Bay Area-based organization that develops comprehensive financial capability programs for low and moderate-income communities. She is passionate about her work with community-based organizations that focus on asset building for the working poor. In this conversation, we are getting real about how to change your money behaviors, how to set financial goals and boundaries plus so much more. In this episode, you will learn: How to know when to take risks and invest in yourself Techniques to help you talk to your family about money The importance of setting financial goals and boundaries Ways to coach people so they can find their own power  Methods to change your financial behaviors, and more Other related blog posts/links mentioned in this episode: Check out the book Scarcity: The New Science of Having Less and How it Defines Our Lives , which Saundra mentions in the episode. Check out the other tools that help me with my finances and business here . Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 <a href= "https://www.youneedabudget.com/landing/journey-to-launch/?utm_medium=affiliate&utm_source=journeytolaunch.co

S1 E168 · Wed, August 12, 2020

How To Live A Life You Love & Can Afford w/ Kumiko Love

Kumiko Love graduated with a degree in finance but didn’t learn anything about personal finances in school. After her divorce, Kumiko was a single mom, $77,000 in debt, and determined to get her finances in order.  What started as a community for her to share her financial journey, has grown into The Budget Mom (TBM). Kumiko’s platform, TBM, is now her full-time business where she provides practical, fun budgeting methods and techniques to thousands of women all around the world. She has helped women take control of their finances, pay off debt, save more money, and build a life they love on a budget they can afford. In this week’s episode of the Journey to Launch Podcast, we are talking about Kumiko’s journey, how she got her finances on track, became a full-time entrepreneur, and purchased her dream home with cash and why.  In this episode you will learn: How Kumiko went from making $24,000 a year to purchasing her dream home with cash Three budgeting methods to get your finances on track Steps to take before you leap into full-time entrepreneurship How you can adjust your financial habits and still enjoy the brands you love Why it’s all about the journey and not the destination, and more You can watch this interview with Kumiko Love on youtube by going to https://youtu.be/ilTdXkivwp0 Other related blog posts/links mentioned in this episode: Check out the other tools that help me with my finances and business here . Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, m

S1 E167 · Wed, August 05, 2020

How to Not Die Poor w/ Michael Arceneaux

What started out as an essay about one man’s struggle with student loan debt in the New York Times, has morphed into Michael Arceneaux’s next best seller, I Don’t Want to Die Poor . Michael Arceneaux, the author of the New York Times bestseller, I Can’t Date Jesus: Love, Sex, Family, Race and Other Reasons Why I Put My Faith in Beyonce just released his second book, in April 2020. This book, I Don’t Want To Die Poor, is all about money.   In our conversation we talk about Michael’s struggles with student loan debt, the pressure to get a college education, and the faults of the student loan system. Michael is not a “money expert”, which makes this conversation even more enlightening and real. If you have ever been in debt (or are currently in debt), listen in as we discuss the struggle to not die poor.  In this episode you will learn: What happens to private student loans when you die How the student loan process is systematically flawed  Tips for creatives and entrepreneurs who want to make money and create Why Black Americans are disportionately affected by private student loans All the reasons why you should read Michael’s new book, and more You can watch this interview with Michael Arceneaux on youtube by clicking here . Other related blog posts/links mentioned in this episode: Check out the other tools that help me with my finances and business here . Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financi

S1 E166 · Wed, July 29, 2020

Four Simple Rules For Successful Budgeting, Why You Need A Budget & Entrepreneurship Lessons w/ Jesse Mecham

What started out as a budgeting spreadsheet has grown into a budgeting app used by thousands of families who have committed to giving every dollar a purpose. This week on the Journey to Launch Podcast we are continuing our celebration of the third anniversary of the show with an interview with Jesse Mecham.  Jesse, the creator of You Need A Budget (YNAB), shares his financial journey and tips for entrepreneurs. In this episode he describes how he dived into entrepreneurship at 22, and then successfully grew YNAB into a company with over 100 employees. Today, his budgeting app helps thousands across the globe improve their finances. Tune in to hear more about his path to success and the four rules for successful budgeting. In this episode you will learn: How to give every dollar a job Ways to embrace your true expenses When to give yourself permission to change your budget  Why a budget is not restraining  How to get 30 days or more ahead on your bills, and more Special thanks to YNAB for sponsoring the podcast in its 3 year anniversary month. Get your free 34 trial of YNAB today (no credit card required to sign up) by going to youneedabudget.com/journey Other related blog posts/links mentioned in this episode: Jesse and I both talk about the power of Profit First when you are an entrepreneur. Check out Mike Michalowicz’s book for yourself and see how it can help you in your business. Check out the other tools that help me with my finances and business here . Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 <a href= "https://www.youneedabudg

S1 E165 · Wed, July 22, 2020

Lessons on Achieving Your Life & Money Goals From 3 Years of Podcasting + Journeyer Voicemails

It’s the 3rd anniversary of the Journey to Launch Podcast and we are celebrating. I could not have made it to this milestone without you. So, in this week’s episode, I’m sharing voicemails from Journeyers from all over the world. Listen and learn how the Journey to Launch Podcast has helped so many people fix their finances, improve their lives, and change their mindsets so they can accomplish their goals.  I’m also sharing some lessons I’ve learned since starting this podcast three years ago. I hope you apply these lessons to your life wherever you are on your financial or career journey. We are on the path to financial freedom and independence together. Let’s lift each other up along the way.  In this episode you will learn: How the Journey to Launch Podcast can help you level up your finances The importance of consistency and persistency with anything you do The power of your words and how to manifest the life you want  When it’s OK to pivot or change your mind The best app to help you budget, track your spending and let you live a little All about the Money Launch Club , and more Special thanks to YNAB for sponsoring the podcast in its 3 year anniversary month. Get your free 34 trial of YNAB today (no credit card required to sign up) by going to youneedabudget.com/journey Doors to the Money Launch Club are now open until Thursday July 23rd! Join by going to MoneyLaunchClub.com In This Online Community You Will Get S.T.E.P's: Support- Get the community support to help reach all of your financial goals. Find an accountability partner and participate in weekly and monthly challenges. Tools- Get access to tools such as worksheets and trainings to help you manage your money, track your progress and grow your wealth. Education- Get educated on various money topics so that you can make better money decisions and learn the steps you need to take to get ahead. Plan- Get  the Journey to FI 10 Steps to Freedom Framework to map out your Financial Independence launch success plan. Other related blog posts/links mentioned in this episode: Join the Money Launch Club here. Check out the other tools that help me with my finances and business here . Check out the Jou

S1 E164 · Wed, July 15, 2020

The Pursuit of Financial Liberation, Social Justice & Entrepreneurship w/ Ysanet Batista

After graduating from college with over $70,000 in student loans, Ysanet Batista went straight into public service. Unfortunately, her career did not pay a high salary and she found it difficult to live and eat in New York City. At some points, she faced food insecurity and homelessness. Her struggles forced her to find ways to make more money and led to her starting her own food cooperative business called Woke Foods. She merged her love for cuisine with her passion for social justice and is forging her own path to Financial Liberation.  Ysanet is also a member of the Money Launch Club (moneylaunchclub.com) and shares how joining the community allowed her to pay off debt, find support and stay accountable on her journey In this episode you will learn:  Where you can find a community of like-minded people support you on your journey to financial independence and retiring early (FIRE) Why it’s so important to know your WHY How to know when your income is your problem The importance of budgeting no matter how much you make What you can accomplish as a member of the Money Club The benefits of an accountability partner, and more Special thanks to YNAB for sponsoring the podcast in its 3 year anniversary month. Get your free 34 trial of YNAB today (no credit card required to sign up) by going to youneedabudget.com/journey Sign up for the Journey to Launch free class on July 16th here. In This Free Online Workshop, You Will Learn: 1. What the elusive term of Financial Independence really means 2. The FIVE major stages you must move through on the journey to reaching Financial Independence and how to identify where you currently are on the journey 3. The barriers stopping you from reaching your goals and how to eliminate them *It’s a virtual meeting so you can join us from anywhere by registering here. Other related blog posts/links mentioned in this episode: Ysanet mentioned some great Journey to Launch episodes you should check out: Episode 81: Atomic Habits How Tiny Changes Spark Remarkable Results with James Clear Episode 135: Your Student Loan Questions Answered with David Carlson  Learn more about the Money Launch Club <a href= "http://journeytolaunch.com/l

S1 E163 · Wed, July 08, 2020

The Geometry of Wealth: How to Shape a Life of Money and Meaning with Brian Portnoy

This week on the Journey to Launch Podcast, Brian Portnoy simplifies the complex world of money. Brian has over two decades of experience in the personal finance space, and he’s also an investor, educator, writer, and entrepreneur. In his book, The Geometry of Wealth , he tackles the challenges of making better investment decisions and how money fits into a joyful life.  In this episode, we go beyond the numbers and talk about the behavioral science behind your relationship with money. Learn how your behavior impacts your ability to become wealthy and why your brain chooses survival over wealth. In this episode you’ll learn:  The difference between wealthy and rich Why your brain is wired to make terrible money decisions  The meaning of the Geometry of Wealth How to set goals to become wealthy (and not just rich) What a comprehensive financial plan looks like, and more Special thanks to YNAB for sponsoring the podcast in its 3 year anniversary month. Get your free 34 trial of YNAB today (no credit card required to sign up) by going to youneedabudget.com/journey Sign up for the Journey to Launch free class on July 16th here. In This Free Online Workshop, You Will Learn: 1. What the elusive term of Financial Independence really means 2. The FIVE major stages you must move through on the journey to reaching Financial Independence and how to identify where you currently are on the journey 3. The barriers stopping you from reaching your goals and how to eliminate them *It’s a virtual meeting so you can join us from anywhere by registering here. Other related blog posts/links mentioned in this episode: Learn more about the Money Launch Club  here  and make sure you join when doors open up again! Check out the other tools that help me with my finances and business here . Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The <a href="https://www.journeytolaunch.com/join" targe

S1 E162 · Wed, July 01, 2020

How to Create a Life by Design and Combine Creativity and Commerce with Lisa Nicole Bell

This week on the Journey to Launch podcast, special guest, Lisa Nicole Bell, is sharing how she created her life by design and dived into entrepreneurship. Lisa is a producer, writer, media personality, and serial entrepreneur. In addition, she hosts a podcast called Behind the Brilliance , with nearly two million downloads and 200 episodes to date.  In this episode, we discuss the truth about entrepreneurship, how to make informed business and life decisions, and taking risks. Lisa shares so many inspiring tips. This is one episode you don’t want to miss. In this episode you will learn:  What bets are worth taking and how to manage your risks How to turn your content into multiple streams of income The truth about entrepreneurship  How to properly plan your time so you don’t hustle backwards Ways to create a life by design and more Special thanks to YNAB for sponsoring the podcast in its 3 year anniversary month. Get your free 34 trial of YNAB today (no credit card required to sign up) by going to youneedabudget.com/journey . Sign up for the Journey to Launch free class on July 16th here. In This Free Online Workshop, You Will Learn: 1. What the elusive term of Financial Independence really means 2. The FIVE major stages you must move through on the journey to reaching Financial Independence and how to identify where you currently are on the journey 3. The barriers stopping you from reaching your goals and how to eliminate them *It’s a virtual meeting so you can join us from anywhere by registering here. Other related blog posts/links mentioned in this episode: Check out my episode on Behind the Brilliance Podcast where I explain how I found the Financial Independence and Retire Early (FIRE) movement and transformed my life. Lisa read The Power of Positive Thinking by Norman Vincent Peale , and her mindset was changed forever. Learn more about the Money Launch Club  here  and make sure you join when doors open up again! Check out the other tools that help me with my finances and business <a href="

S1 E161 · Wed, June 24, 2020

Overcoming Adversity and Building Wealth Through Relationships with Casanova Brooks

Casanova Brooks lost everything--his mom, his house, and his job all in a short span of a few weeks. However, he refused to allow adversity to stop him. Nine months later, he was a real estate agent, breaking records. He closed 46 deals worth a total of $8 million dollars his first year as an agent. Casanova is an award-winning real estate agent, investor, podcast host, and CEO. Previously featured on Yahoo News, ABC, NBC, and more. He has an amazing story of triumph and perseverance.  In this episode, Casanova and I talk about overcoming adversity, the power of relationships, and how to become the master of your time and freedom. This is an inspiring conversation you don’t want to miss!  In this episode you’ll learn:  Ways to overcome adversity under any circumstances Simple techniques to leverage relationships and grow your business How to create your own success Great books and podcasts that will inspire you The effect a positive mindset can have on your journey, and more Celebrate the 3 Year Anniversary Episode of the Journey to Launch Podcast  Hey Journeyers! Do you want to celebrate the 3 year anniversary of the Journey to Launch Podcast with me? I have something special planned and I need your help to make it happen! I would love to hear how the Journey to Launch Podcast has helped you and your journey to financial freedom. Send in a a short voicemail (90 secs) for a chance to have it played on the 3 year anniversary episode in July! Here's a guideline of what to say in your voice-note: Your name & where you are from Something you've gained or accomplished since listening to the podcast (a money win , paid off X, negotiated a raise, better money mindset, etc) A money/financial tip for other Journeyers on the path that can help them too that you've learned or implemented You can record your voice-note  here  (please make sure you're speaking clearly into your mic so that we can hear you and that there is no background noise) Thank you in advance! Other related blog posts/links mentioned in this episode: Check out the other tools that help me with my finances and business here . Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode.</

S1 E160 · Wed, June 17, 2020

Four Tips to Help You Manage Your Money, Goals & Career Right Now

It’s been a while since I’ve recorded a solo episode. So this week you get a full dose of me. In this episode, I share tips and lessons I’ve learned and how I am applying this knowledge to my life and finances now.  I am taking you back to the beginning of my journey and share how my husband and I prepared for me to pursue full-time entrepreneurship. Most people don’t know this, but I could have kept my 9 to 5 and been financially free by 40. Instead, I decided to pursue what I love and create more freedom in my life today.  Listen to this episode to learn more about how I made the jump from the corporate world with confidence and how you can too. Plus I share four tips on how you can be successful with your money, career & goals during these trying times.  In this episode you will learn: How I quit my job to become a full-time entrepreneur Ways to pivot your financial journey to give yourself more freedom today What you should invest in to help you value your time How to leverage your network to increase your net worth What to do to prepare for the opportunities you want, and more Celebrate the 3 Year Anniversary Episode of the Journey to Launch Podcast  Hey Journeyers! Do you want to celebrate the 3 year anniversary of the Journey to Launch Podcast with me? I have something special planned and I need your help to make it happen! I would love to hear how the Journey to Launch Podcast has helped you and your journey to financial freedom. Send in a a short voicemail (90 secs) for a chance to have it played on the 3 year anniversary episode in July! Here's a guideline of what to say in your voice-note: - Your name & where you are from - Something you've gained or accomplished since listening to the podcast (a money win , paid off X, negotiated a raise, better money mindset, etc) -A money/financial tip for other Journeyers on the path that can help them too that you've learned or implemented You can record your voice-note  here  (please make sure you're speaking clearly into your mic so that we can hear you and that there is no background noise) Thank you in advance! Other related blog posts/links mentioned in this episode: Check out this throwback episode of how my husband and I started our journey to financial freedom. Try Insight Timer . It’s helped meditate and mentally prepare for my day. Get the Free Journeyer Jum

S1 E159 · Wed, June 10, 2020

How Cindy Zuniga Paid Off $215,000 of Debt in 48 Months

Cindy Zuniga went to law school to make an impact in her community. After three years in law school and $215,000 of debt later, Cindy realized the real cost of her decision. Her first year out of school she paid $24,000 towards her student loans. However, only $4,000 went towards her loan’s principal balance.  So where did the other $20,000 go, you ask? To pay just the interest on her loan.  That’s when Cindy said enough is enough and devised a plan to pay off all of her debt in 48 months.  Check out this week’s episode where Cindy shares how she paid off $215,000 in 48 months and kept her expenses low while living in New York.  In this episode you will learn: What to consider before taking out student loans for a degree How to educate yourself and your family about student loan debt 3 reasons to refinance your student loans How to stick to your financial goals in any environment Tips for talking about finances with your partner How to lower your expenses, save money, and more Other related blog posts/links mentioned in this episode: Get the Free Journeyer Jump Start Guide here. Check out the other tools that help me with my finances and business here . Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my <a href= "https://www.youneedabudget.com/landing/journey-to-launch/?utm_medium=affiliate&utm_source=journeytolaunch.com&utm_campaign=journeytolaunch" target="_b

S1 E158 · Wed, June 03, 2020

Black Lives Matter & The Black Tax: The Cost of Being Black in America w/ Shawn Rochester

With everything going on right now, I wanted to replay one of the most important and impactful conversations that I've had on the podcast, The Black Tax & The Cost of Being Black in America with guest Shawn Rochester. In the beginning of the episode, I also share my thoughts on why I will continue to use my platform to educate and amplify Black voices while giving you the tools to reach your Financial Freedom & Independence goals.  I encourage everyone to listen to this episode and share it with someone who needs to hear more of how we as a nation got to a place where Black Americans own only 2% of wealth and what we can do to change it . In this episode you will learn: Why I'm so committed to amplifying Black voices and stories What is the Black Tax and how it’s impacting your wealth How to identify unconscious vs. conscious bias Why hard work is not the key to success and what resources you really need Concrete ways you can close the wealth gap How to apply Shawn’s PHD strategy to create jobs, capital, and thriving black communities, and so much more You can watch the original interview with Shawn Rochester on youtube by clicking here . Join me & Teri Ijeoma for a free class on how to make money in the stock market and avoid the uncertainty of the economy tonight at 8:30 pm EST here journeytolaunch.com/tradingclass Other related blog posts/links mentioned in this episode: Check out Shawn’s talk at Google , which has had over 200,000 views and sparked a lot of conversations about the real cost of being Black in America. Get the Free Journeyer Jump Start Guide here. Check out the other tools that help me with my finances and business here . Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! <a href= "ht

S1 E157 · Wed, May 27, 2020

Organize & Simplify Your Money Using This Simple Method w/ Sahirenys Pierce

Sahirenys Pierce and her husband had almost six-figures in debt when she started her career in finance. In her new industry, she knew that her own finances could be held under a microscope at any time. In fact, filing bankruptcy would jeopardize her career. That’s why Sahirenys created the High-5 Banking Method , which helped her and her husband pay off $99,000 in five years, and avoid bankruptcy. This week, on the Journey to Launch Podcast, Sahirenys and I talk about paying off debt, prioritizing your goals, and banking with a purpose. In this episode you’ll learn: What is the High-5 Banking Method and why you need it How to prioritize your financial goals when you have debt Ways to combine your finances with your partner The difference between a liquid budget and a concrete budget and how to adjust when life happens The importance of tracking your spending How to save and spend with a purpose, and so much more Join me & Teri Ijeoma for a free class on how to make money in the stock market and avoid the uncertainty of the economy on June 3rd at 8:30 pm EST here journeytolaunch.com/tradingclass   Other related blog posts/links mentioned in this episode: Get the Free Journeyer Jump Start Guide here. Check out the other tools that help me with my finances and business here . Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 <a href= "https://www.youneedabudget.com/landing/journey-to-launch/?utm_medium=affiliate&utm_source=journeytolaunch.com&utm_campaign=

S1 E156 · Wed, May 20, 2020

Innovative Entrepreneurship & Achieving Financial Wellness w/ Marsha Barnes

Marsha Barnes was working at a bank when she realized that people in Charlotte, North Carolina weren’t talking about finance in schools or in public. So, she thought of an innovative way to talk about personal finance. Marsha created a financial literacy “hub on wheels” to bring financial literacy directly to the people who needed it the most.  In this week’s episode, Marsha and I talk about entrepreneurship, what it takes to turn your passion into a full-time business and how to achieve overall financial wellness.  In this episode you’ll learn: Questions to ask yourself to know if entrepreneurship is right for you What is a “runway” and why you need one to survive entrepreneurship How Marsha quit her job one year after starting The Finance Bar Why revenue is not equal to profit  Steps to create financial wellness in your life  What blocks most people from experiencing freedom, and more Join me & Teri Ijeoma for a free class on how to make money in the stock market and avoid the uncertainty of the economy on June 3rd at 8:30 pm EST here journeytolaunch.com/tradingclass Other related blog posts/links mentioned in this episode: If you liked this episode you might also enjoy my interview with Vicki Robin, author of Your Money or Your Life . Get the Free Journeyer Jump Start Guide here. Check out the other tools that help me with my finances and business here . Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 <a href= "https://www.youneedabudget.com/landing/journey-

S1 E155 · Wed, May 13, 2020

Strengthen Your Mindset & Confidence To Turn Being Underestimated Into Your Greatest Advantage with Arlan Hamilton

Arlan Hamilton was homeless when she launched a venture capital fund dedicated to minimizing funding disparities in tech. In 2015, she created Backstage Capital , a venture capital fund that invests in high potential founders who are people of color, women, and/or members of the LGBT community. Today, Backstage Capital has raised more than $7 million and invested in more than 130 startups companies led by underestimated founders.  In this episode of the Journey to Launch podcast, Arlan and I are talking about the mindset, confidence, and self-care that led to Arlan’s ultimate success. We also discuss Arlan’s new book, It’s About Damn Time: How to Turn Being Underestimated Into Your Greatest Advantage . Arlan’s story is inspiring and this is an episode you don’t want to miss.  In this episode you’ll learn: How to use confidence to fuel your success What it means to invest in yourself The importance of self-care and how to set boundaries How to write a successful, tailored pitch What really matters in life, and more You can watch this interview with Arlan Hamilton on youtube by going to https://youtu.be/BrnGOdqAShc Other related blog posts/links mentioned in this episode: Get Arlan's book It’s About Damn Time Check out my interview on Arlan’s podcast, Your First Million , where I talk about reaching 1 million podcast downloads and my journey for Journey to Launch.  Get the Free Journeyer Jump Start Guide here. Check out the other tools that help me with my finances and business here . Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

S1 E154 · Wed, May 06, 2020

How Teri Ijeoma Quit Her Job to Begin Trading Full Time and Travel the World

Teri Ijeoma is on the Journey to Launch podcast this week talking about swing trading, travel, and finances. A few years ago, Teri started swing trading as a side hustle with the goal to make $300 a day. This year, her goal is to make $10 million dollars in her business.  Teri travels the world and helps people learn the skills they need to master swing trading through her course, Invest with Teri . Listen to this podcast episode to learn how Teri is paying off debt and achieving financial independence through teaching and investing in the stock market. In this episode you will learn: What is swing trading  How to trade, travel, and live your best life The difference between a short and long term investor How much time you need to trade and be successful Tax tips for when you profit from trading The traits you need to succeed at swing trading, and more Other related blog posts/links mentioned in this episode: Check out Teri’s course, Invest with Teri , to learn her 7 steps trading method. Get the Free Journeyer Jump Start Guide here. Check out the other tools that help me with my finances and business here . Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my <a href= "https://www.youneedabudget.c

S1 E153 · Fri, May 01, 2020

An Updated Conversation w/ Carmen Perez on Losing Her Income, Staying Positive & Finding the Opportunities in the Obstacles

Check out this week's bonus episode of the podcast where I talk to Carmen Perez to update us on how she's been dealing with the pandemic & the economic uncertainty. In the previous episode, Carmen shared how she was sued over her student loan, paid off $57,000 of debt in 2 ½ years and switch careers from corporate finance to coding. Today, Carmen comes back on the show to share how she's dealt with the loss of her income and how's she's finding opportunity in this crisis by using this time to sharpen her skills and remaining positive about the future. You can watch this interview with Carmen Perez on youtube by clicking here . Other related blog posts/links mentioned in this episode: Get the Free Journeyer Jump Start Guide here. Check out the other tools that help me with my finances and business here . Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . Connect with Carmen: Website Instagram:

S1 E152 · Wed, April 29, 2020

Switching Careers from Corporate to Coding & Paying off $57,000 of Debt in 2 1/2 Years w/ Carmen Perez

On this week's episode of the podcast I'm talking to Carmen Perez who had to face the truth about her credit and finances when she was sued over her student loan. She then hustled to pay off $57,000 of debt in a little over 2 ½ years and with a background in finance and a six-figure salary to match, Carmen went from being a “Wall Street dropout” to a woman who codes. Besides being a successful software engineer, Carmen is also the creator of Make Real Cents , a blog dedicated to helping people achieve financial greatness by teaching them about personal finance. In this week’s Journey to Launch podcast, you’ll learn what tools Carmen used to get her personal finances in order, pivot in her career, and go to coding school for free.  In this episode you’ll learn: Steps you can take to get your financial house in order What is zero-based budgeting and why you need a budget Several ways to pay off debt How to make a pivot in your career Ways to get your education for free, and so much more Check out today’s sponsor of the podcast Empower. Save more with Empower plus get $5 when you use the code JOURNEY at sign up. Other related blog posts/links mentioned in this episode: If you liked this episode you might love, Episode 85 – The Colors of FI- Roundtable Chat on Financial Independence , which also features Carmen and others in the financial independence space. Also, check out:  Episode 128- Self Education and Ultralearning as a Means to Reach Your Financial Goals & More with Scott Young Other podcast episodes about alternative careers and education . Get the Free Journeyer Jump Start Guide here. Check out the other tools that help me with my finances and business here . Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The <a

S1 E151 · Wed, April 22, 2020

Everything You Need to Know About the Economic Relief Package with Lynnette Khalfani-Cox

This week’s guest, Lynnette Khalfani-Cox, read the entire 880-page economic relief package so you don’t have to. On the podcast, she explains who qualifies for stimulus checks, power money moves you can make now, the truth behind the programs available to individuals and small businesses, and more. Lynnette is a personal finance expert, television and radio personality, and author of numerous books. Her book, Zero Debt: The Ultimate Guide to Financial Freedom , is a New York Times bestseller. Lynnette had been on numerous TV shows including The Oprah Winfrey Show, the Tyra Banks Show, and more. She knows what she's talking about, and in this episode, she is giving you information about how you can thrive and survive now. In this episode you’ll learn: The truth behind the Stimulus Package About programs, you need to take advantage of now  Power money moves you can make during the Coronavirus pandemic   The best time to file your taxes if you want to qualify for a stimulus check How can you come out of this economic situation surviving and thriving Changes to the rules about borrowing from your retirement plan, and more You can watch this interview with Lynnette Khalfani Cox on youtube by clicking here . Check out today’s sponsor of the podcast Empower. Save more with Empower plus get $5 when you use the code JOURNEY at sign up. Other related blog posts/links mentioned in this episode: Check out Lynnette’s New York Times best selling book, Zero Debt: The Ultimate Guide to Financial Freedom  Learn more about the Paycheck Protection Program for small businesses, freelancers, entrepreneurs, and more. Or apply for the <a href= "https://www.sba.gov/funding-programs/loans/coronavirus-relief-options/economic-injury-disaster-loa

S1 E150 · Wed, April 15, 2020

How to Survive the Market Crash & Better Position Yourself Financially with Jackie Cummings Koski

A millionaire mom and retired before 50, Jackie Cummings Koski, is on this week’s podcast episode sharing her path to financial freedom. She went from poverty to wealth and learned a lot about investing along the way.   Throughout most of her career, Jackie made less than six-figures a year. She prioritized saving and investing and reached her financial independence number three years before planned. Jackie created a resilient investment portfolio that continued to grow even in uncertain times like today. In this podcast episode, Jackie shares her tips about how to keep calm and survive the current market turmoil. In this episode you’ll learn: What is financial independence (FI) and how to calculate your FI number Different ways to learn about investing so you can invest with confidence How to reduce your taxable income The first place where you can start investing What is a Health Savings Account (HSA) and how to use it The best times to double down in the market, and more  Check out today’s sponsor of the podcast Empower. Save more with Empower plus get $5 when you use the code JOURNEY at sign up. Other related blog posts/links mentioned in this episode: Jackie was on Episode 40 . Take a listen and learn about the Health Savings Account, the ultimate investment, and retirement account. Want to know how compound interest works? Check out this compound interest calculator . Check out Jackie’s book, Money Letters 2 My Daughter . Her book about money and personal finances includes easy to understand advice and guidance on some of the most important financial issues consumers face today. Get the Free Journeyer Jump Start Guide here Check out the other tools that help me with my finances and business here . Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The <a href="https://www.journeyto

S1 E149 · Fri, April 10, 2020

Bonus Episode- Coping w/ The Impact to Your Income & Career Due to the Coronavirus w/ Stefanie O'Connell Rodriguez

In this bonus episode, this week's guest Stefanie O'Connell Rodriguez opens up about how her business and life has changed because of Coronavirus. Stefanie and I share tips on how to cope and deal with the negative impact to your income (and career) due to the current state up events so that you can financially survive and thrive. Other related blog posts/links mentioned in this episode: Learn more about the Statement Event Get Statement Cards for ambitious women in your life. Get the Free Journeyer Jump Start Guide here Check out the other tools that help me with my finances and business here . Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . Connect with Stefanie: Website<

S1 E148 · Wed, April 08, 2020

How to Build Your Network, Thrive In Entrepreneurship, & Leverage Your Skill Sets To Make More Money w/ Stefanie O'Connell Rodriguez

This week’s guest Stefanie O’Connell Rodriguez is on a mission to help women get more from their money so that they can unapologetically go after what they want.  In this episode, Stefanie shares tips about building your network, thriving in entrepreneurship, and leveraging your skill sets to make more money. We talk openly about managing your money with inconsistent income and how to pivot from one industry to another which is so relevant for what’s happening in the world today.  In this episode you will learn: About life behind the scenes of entrepreneurship Ways to build credibility in a new industry The importance of networking and creating genuine relationships What are soft skills and how to get paid for yours How to manage your money when you have inconsistent income Why all entrepreneurs need to pay themselves a salary, and so much more Check out today’s sponsor of the podcast Empower. Save more with Empower plus get $5 when you use the code JOURNEY at sign up. Other related blog posts/links mentioned in this episode: Check out Empower’s article on How to get financial relief from the coronavirus outbreak here. Learn more about the Statement Event Get Statement Cards for ambitious women in your life. If you liked this episode you might also like Episode 91 : Leveling Up Your Money & Investing with Erin Lowry. Check it out! Get the Free Journeyer Jump Start Guide here Check out the other tools that help me with my finances and business here . Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List <a href="https://www.journeytolaunch.com/voicemail/" target= "_blank" rel="noo

S1 E147 · Wed, April 01, 2020

Your Favorite Podcasters Talk Money w/ Rana Campbell (Dreams in Drive), Dr. Joy Harden Bradford (Therapy For Black Girls), Nicaila Matthews Okome (Side Hustle Pro) & Art Steele (InkSecure)

I am excited to bring with you a real and honest conversation about money featuring my fellow amazing podcast sisters, Rana Campbell (host of the Dreams & Drive podcast), Dr. Joy Harden Bradford (host of the Therapy for Black Girls podcast), Nicaila Matthews Okome (host of the Side Hustle Pro podcast) and Art Steele (host of the Inksecure podcast). We chat about all things money; how our childhood with money shaped how we handle money today, our money hang-ups, money goals and so much more.  In this episode you’ll learn: How my guest say their upbringing with money impacts them today The importance of of a financial plan  Tips to handle your money as an entrepreneur How to follow your “dreams” and be financially responsible If you should follow your passion or the money plus so much more  Check out today’s sponsor of the podcast Empower. Save more with Empower plus get $5 when you use the code JOURNEY at sign up. Other related blog posts/links mentioned in this episode: Check out Empower’s article on How to get financial relief from the coronavirus outbreak here Get the Free Journeyer Jump Start Guide here Check out the other tools that help me with my finances and business here . Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my <a href= "https://www.youneedabudge

S1 E146 · Wed, March 25, 2020

How To Earn More Through Alternative Income Streams, Side Hustles & Leveraging Your Skills w/ Sandy Smith

It’s more important now than ever to think about ways to increase and diversify your income.  In this week’s episode, my guest, Sandy Smith shares how to start your own side hustles, and leverage your skills to earn more. You’ll also hear her amazing story of going from $130,000 in debt to owning $1.1M in real estate.   In this episode you’ll learn: How to add up your debt and tackle it strategically Steps you can take to increase your income when you aren’t making enough Ways to build your business at work and find your next side hustle  The real buying power of People of Color and what you can do with it Techniques to leverage real estate, and so much more Other related blog posts/links mentioned in this episode: You can sign up for the Elevate Influencer Conference here If you liked this episode you might also enjoy, The Black Tax: The Cost of Being Black in America with Shawn Rochester . I use Michael Hyatt’s Full Focus Planner to keep me focused so I get things done. If you are looking for a planner consider using this one . Check out the other tools that help me with my finances and business here .  Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest se

S1 E145 · Wed, March 18, 2020

A Q&A Episode: Rebuilding Your Credit, Having Money Conversations With Your Partner, How To Get Started and More!

I want you to live your best life when it comes to money. So, in this week’s Journey to Launch podcast episode I am answering your questions about rebuilding your credit, investing, how to get started on your financial independence journey, having money conversations with your partner, and so much more. Get ready to take notes because this is an episode packed with money gems.  In fact, you might need to listen to this episode more than once.  In this episode you will learn: Tips on rebuilding your credit Things you should know about your employer’s retirement plan The differences between a Roth Individual Retirement Account and a Brokerage Account The steps and stages to achieving financial independence and retiring early  Tips to talk to your partner about finances The difference between FinCon and the Financial Freedom Summit, and more Other related blog posts/links mentioned in this episode: Check out these awesome episodes I mentioned in the podcast:  Episode 37: Credit 101: Understanding Credit & Using Credit To Build Wealth with Shante Harris Episode 43: Being Rich & Regular, A Couple’s Journey To Reaching Financial Independence Episode 53: The What, Why & How of The Financial Independence Retire Early (FIRE) Movement Episode 112: The Five Journeyer Stages and How to Unlock Freedom Along the Way to Financial Independence Episode 139: Love & Money: How They Got On The Same Page To Pay Off $32,000 of Debt w/ LeDo & Shameka McDowell Go to Journeytolaunch.com/freedomsummit to join me at the Financial Freedom Summit in May. I use Michael Hyatt’s Full Focus Planner to keep me focused so I get things done. If you are looking for a planner consider using this one . Check out the other tools that help me with my finances and business here .  Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List <a href="https://www.journeytolaunch.com/voicemail/" rel= "noo

S1 E144 · Fri, March 13, 2020

Bonus Episode- Coronavirus, The Market Decline & The Impact on Your Money (& What To Do About It)

In this bonus episode, I discuss the biggest concern in the world at the moment, the Coronavirus. You may be worried about your money, job, health and family and I am sharing my thoughts on how to get through these times.  In this episode I discuss: How to protect yourself as much as you can. What to do if you deal with anxiety and depression. How this impacts your investments and what to do about it. What to do if your work and income are being affected. Why it is very important to focus on emergency funds. Cancellations of travel and events. Other related blog posts/links mentioned in this episode: Go to Journeytolaunch.com/freedomsummit to join me at the Financial Freedom Summit in May. I use Michael Hyatt’s Full Focus Planner to keep me focused so I get things done. If you are looking for a planner consider using this one . Check out the other tools that help me with my finances and business here .  Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link . Connect with me: <a href="https://www.instagram.com/journeytola

S1 E143 · Wed, March 11, 2020

Building Legacy Wealth & The Road To Economic Empowerment with Dr. Pamela Jolly

This week’s Journey to Launch Podcast is going to blow you away. Wealth Strategist, Dr. Pamela Jolly is on the show and we have a dynamic conversation about wealth building strategies, economically empowering people of color, generational wealth, and more. Everyone aspiring to build wealth, must listen to this episode. Dr. Jolly’s advice will inspire you to take action and reclaim your wealth today! Dr. Pamela Jolly has over 20 years of experience in the financial sector. As a Wealth Strategist, Dr. Jolly is committed to guiding men, women, business owners, pastors and young professionals to achieving legacy wealth. She is also the CEO and Founder of Torch Enterprises, a firm committed to developing minority enterprises. Over the past twelve years, Torch has been instrumental in raising both capital and awareness for minority enterprises across the country.   In this episode you will learn: How to define wealth for yourself What is the wealth reset and why it matters The difference between venture capital and private equity  All about the NarrowRoad™ and how Dr. Jolly uses it helps people How long it takes to build a legacy and how quickly you can lose it Ways to connect with your elders, and more Special thanks to our podcast sponsor, Empower. Get $5 into your account when you download the Empower app and reach your savings goal. Enter code JOURNEY at signup here . Other related blog posts/links mentioned in this episode: Dr. Jolly recommended a few good reads in her interview. Check these out for yourself: To Unite a Divided Nation, We Must Tackle Both Vertical and Horizontal Inequality by Alice M. Rivlin, Allan Rivlin, and Sheri Rivlin Dangerous Dreamers: The Financial Innovators from Charles Merrill to Michael Milken by Robert Sobel. This book chronicles the tales of four financial innovators who all pioneered some financial wrinkle.  Atomic Habits by James Clear. Clear’s best selling book gives you real techniques to build good habits and break bad ones. He was also on the podcast in Episode 81 – Atomic Habits: How Tiny Changes Spark Remarkable Results . If you liked this ep

S1 E142 · Wed, March 04, 2020

How to Avoid Burnout On Your Financial Journey and Charging Your Worth with Sarah Li Cain

This week on the Journey to Launch podcast, Sarah Li Cain of Beyond the Dollar shares how she became a six-figure freelance writer with a six-figure net worth. She went from teaching and living abroad, to a writer, mom, and wife, with more money and freedom to enjoy life.  Through her writing and podcast, Sarah blends practical tips and mindset strategies for those trying to change their financial life. She also integrates physical, spiritual, and mental wellness in her advice so you learn how to use money as a tool to enhance your life.  In this episode you will learn: What is geoarbitrage and how to use it to boost your net worth The pros of a teaching career and how to find a job teaching overseas  Steps to building a successful freelance writing business How to achieve semi-retirement, a different form of financial independence Ways to find balance between work, family, and your self-care How to add value to a client so you can get paid your worth, and more Special thanks to our podcast sponsor, Empower. Get $5 into your account when you download the Empower app and reach your savings goal. Enter code JOURNEY at signup here . Other related blog posts/links mentioned in this episode: If you want to start your freelance writing career, check out the website Sarah used when she started. Sarah also recommends reading Happy Money by Ken Honda if you want to be more present in life.  Check out these other great episodes. Hear them again or for the first time if you’re new to the podcast. Episode 64 (Most Downloaded): Your Guide to Becoming a Minimalist with Joshua Becker Episode 82 (2nd Most Downloaded): Your Guide to Financial Freedom and Having All the Money You'll Ever Need With Grant Sabatier Episode 86 (Interview with a Fellow Journeyer): Real Estate & Having a Networth of $100K without a 6 Figure Salary with Ashley Copeland Episode 2 (Best Throwback Ep): How My Husband and I Saved $85K Go to Journeytolaunch.com/freedomsummit to join me at the Financial Freedom Summit in May. I use Michael Hyatt’s Full Focus Planner to keep me focused so I get things done. If you are looking for a planner consider

S1 E141 · Wed, February 26, 2020

The Simple Path to Wealth and All You Need to Know About Index Investing with JL Collins

Your path to financial freedom and wealth doesn’t have to be complicated. This week’s Journey to Launch podcast episode lifts up the veil of overcomplicated investing strategies to show you a more simple path to wealth. Well known author and blogger, JL Collins, is on the show discussing his path to Financial Independence through index investing and his successful book, The Simple Path to Wealth .  JL Collins went from working in an ice cream parlor for $1.25 an hour (he was 13) to accomplishing Financial Independence & Retiring Early (FIRE) before it was even a thing. In this episode, JL Collins breaks down the stock market and everything you need to know about investing in index funds.  In this episode you’ll learn:  What is F-you money and why you need it Ways to enjoy breaks or sabbaticals throughout your career What are index funds and tips on investing in the market Why your house is a terrible investment (his words, not mine) What is a Chautauqua, and so much more Special thanks to our podcast sponsor, Empower. Get $5 into your account when you download the Empower app and reach your savings goal. Enter code JOURNEY at signup here . Other related blog posts/links mentioned in this episode: Like what you heard and want to learn more about JL Collins? Check out some of his most popular blogs on this website :  The Stock Series Why your house is a terrible investment F-you Money: John Goodman v. jlcollinsnh WARNING: These videos are NOT work or kid-friendly. Watch at your own risk.  Also, check out JL Collins’ book, The Simple Path to Wealth If you liked this podcast episode, you might also like: Episode 11- Rejecting Homeownership, Traveling the World & Retiring by 31 Years Old Episode 105- How To Quit Like a Millionaire So You Can Stop Working &

S1 E140 · Wed, February 19, 2020

A Conversation on Economic Opportunity, Race Privilege, and the FIRE Movement with Brian from Done By 40

This week on the Journey to Launch podcast Brian from Done by Forty and I are talking about the secret behind accomplishing Financial Independence & Retiring Early (FIRE), economic opportunity, and the power of an education.  We get very honest about the role of income and how important it can be on your FIRE journey. Brian is not afraid to talk about privilege, race, and their impact on wealth. We dive into it all and more on the podcast. You’ll also learn some valuable tips to help you lower your expenses and how to get a free education.  In this episode you will learn: The key to accomplishing FIRE How to get a free degree Tips to raise your income and improve your odds of getting a new job The one thing Brian thinks you should go into debt for, and so much more Special thanks to our podcast sponsor, Empower. Get $5 into your account when you download the Empower app and reach your savings goal. Enter code JOURNEY at signup here . Other related blog posts/links mentioned in this episode: Brian recommended two good reads in the episode:  48 Days to the Work You Love: Preparing for the New Normal by Dan Miller Thinking in Bets: Making Smarter Decisions When You Don't Have All the Facts by Annie Duke If you want more tips on how to get a free education, check out episode 128- Self Education and Ultralearning as a Means to Reach Your Financial Goals & More with Scott Young Go to Journeytolaunch.com/freedomsummit to join me at the Financial Freedom Summit in May. I use Michael Hyatt’s Full Focus Planner to keep me focused so I get things done. If you are looking for a planner consider using this one . Check out the other tools that help me with my finances and business here .  Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The <a h

S1 E139 · Wed, February 12, 2020

Love & Money: How They Got On The Same Page To Pay Off $32,000 of Debt w/ LeDo & Shameka McDowell

Love is in the air and we are talking about love and money in this week’s episode.  LeDo and Shameka McDowell talk about their relationship and how they paid off $32,000 in debt and built $100,000 in net worth. Once they got on the same financial page, they were unstoppable.  LeDo and Shameka are creators of the podcast The Marital Mission , a podcast about married life for young couples. In this episode, we have an honest conversation about how to get your partner on board with your financial goals, the struggles that come with becoming debt-free, how to have the money talk with your partner, and more. In this episode, you will learn: Practical ways to get on the same financial page with your partner How to cut your expenses and reach your financial goals The importance of putting communication first The difference between the avalanche and the debt snowball debt payoff methods and more Special thanks to our podcast sponsor, Empower. Get $5 into your account when you download the Empower app and reach your savings goal. Enter code JOURNEY at signup here . Other related blog posts/links mentioned in this episode: If you liked this episode you might also like A Money Chat With My Husband + The Budget Boot Camp . In this episode, my husband and I talk about my crazy money goals and his relationship with money. Go to Journeytolaunch.com/freedomsummit to join me at the Financial Freedom Summit in May. I use Michael Hyatt’s Full Focus Planner to keep me focused so I get things done. If you are looking for a planner consider using this one . Check out the other tools that help me with my finances and business here .  Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 <a href= "https://www.youneedabudget.com/landing/journey-to-launch/?utm_medium=affiliat

S1 E138 · Wed, February 05, 2020

Can Anyone Really Reach Financial Independence? My Answer May Surprise You Plus, It’s My Birthday!

In this week’s Journey to Launch podcast episode, I answer the question, “Can you really reach financial independence?” Plus, I am celebrating because it’s my birthday!  As I reflect on the past year, I am sharing my personal goals for 2020, which include taking better care of me. Listen to this episode to find out how I plan to focus on myself and prioritize what really matters in life. I am also sharing ways on how you can create a life you love.  In this episode you will learn: Tips that will make you resilient on your FIRE journey Examples of ways to take care of yourself in 2020 Why it’s important to focus on your journey and not the outcomes How to make more time for things that really matter  All about setting moon goals, and more Also, to help celebrate my birthday week, I’m opening doors to the Money Launch again this week. The Money Launch Club is the online membership that can help you reach your financial goals of saving more, paying off debt so that you can reach Financial Freedom. Join us while you can here. Other related blog posts/links mentioned in this episode: Just in case you missed it, check out my powerful conversation with Shawn Rochester about The Black Tax: The Cost of Being Black in America .   If you want to learn more about my financial journey and why I delayed Financial Independence to be my own boss, check out my story in Forbes . Go to Journeytolaunch.com/freedomsummit to join me at the Financial Freedom Summit in May. I use Michael Hyatt’s Full Focus Planner to keep me focused so I get things done. If you are looking for a planner consider using this one . Check out the other tools that help me with my finances and business here .  Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 <a href= "https://www.you

S1 E137 · Wed, January 29, 2020

The Black Tax: The Cost of Being Black in America with Shawn Rochester

Did you know that after ~400 years of being in the US, African Americans in the United States only own two percent of U.S. wealth? This week on the Journey to Launch podcast, my guest, Shawn D. Rochester talks about how this dismal stat came to be with data-based research and discusses what we can do about it using concrete solutions. Shawn is the CEO of Good Steward, LLC and author of The Black Tax: The Cost of Being Black in America .  In his book and presentations at Google, and several universities across the United States, Shawn examines the true cost of being Black in America. He outlines what factors impact the Black community and explains how you can help close the wealth gap.  Everyone must listen to this episode. I hope this interview sparks powerful conversations, deep thought, and inspires you to build black wealth and make strides to level the economic playing field. In this episode you will learn: What is the Black Tax and how it’s impacting your wealth How to identify unconscious vs. conscious bias Why hard work is not the key to success and what resources you really need Concrete ways you can close the wealth gap  How to apply Shawn’s PHD strategy to create jobs, capital, and thriving black communities, and so much more You can watch this interview with Shawn Rochester on youtube by clicking here . Other related blog posts/links mentioned in this episode: Go to Journeytolaunch.com/freedomsummit to join me at the Financial Freedom Summit in May Check out Shawn’s talk at Google , which has had over 200,000 views and sparked a lot of conversations about the real cost of being Black in America. I use Michael Hyatt’s Full Focus Planner to keep me focused so I get things done. If you are looking for a planner consider using this one . Check out the other tools that help me with my finances and business here .  Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcas

S1 E136 · Wed, January 22, 2020

How Anita Paid Off $95,000 of Debt in One Year and Retired Early at 33 Years Old

This week’s Journey to Launch podcast episode features Anita Dhake, also known as Thriftygal. Creator of the blog The Power of Thrift , Anita, worked as a corporate attorney for several years. Then, one day she committed to her dream to retire early and live her best life. In one year she paid off $95,000 of student loan debt and started aggressively saving 85 to 95 percent of her income. By age 33, Anita was able to retire with over a half of million dollars in investments. For the last few years, Anita has been traveling the world and doing what makes her happy. On her blog, she shares stories about crossing items off her bucket list, her latest reads, and her daily successful habits. Previously featured in Forbes, Crain’s Chicago Business, and the ABA Journal, Anita’s has also been on television twice. Anita’s FI story can be found in her book, Operation Enough! How to Retire Remarkably Early . In this episode you will learn: How to accelerate your path to financial freedom and early retirement The benefits of applying stoicism to your financial journey  Several inspiring books you should read now  It is about how much you make and how much you save Where to easily invest your money and watch it grow, and so much more Other related blog posts/links mentioned in this episode: Anita is an avid reader and below are a few great books we mentioned in the podcast episode.   Operation Enough! How to Retire Remarkably Early by Anita Dhake Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence by Vicki Robin How Not to Die: Discover the Foods Scientifically Proven to Prevent and Reverse Disease by Michael Greger and Gene Stone The Four Tendencies: The Indispensable Personality Profiles That Reveal How to Make Your Life Better (and Other People's Lives Better,

S1 E135 · Wed, January 15, 2020

Your Student Loan Questions Answered: Refinancing, PSLF, Common Misconceptions, & More w/ David Carlson

David Carlson is answering all your student loan questions on this week’s episode of the Journey to Launch podcast. Previously featured in T he Washington Post, The New York Times, Forbes, Slate, and NBC’s KARE 11, David is a personal finance author and speaker.  In this week’s episode, David is discussing the truth and misconceptions about student loan debt, loan forgiveness programs, debt consolidation and more.  In 2012, David launched his website Young Adult Money with a mission to help millennials earn more, save more, and live better lives. He recently started focusing on student loan debt because he and his wife had a combined balance of $100,000 after graduating college. David is on the path to becoming debt-free and is sharing his story and student loan debt advice with others along the way.   In this episode you will learn: Several misconceptions about student loans The truth about student loan refinancing  The good, bad, and ugly about the Public Service Loan Forgiveness Program How taxes and forgiveness of loan debt are related The pros and cons to Parent Plus Loans, and more Get a custom student loan payoff plan by clicking here and check out what my buddy Travis over at Student Loan Planner has to offer

S1 E134 · Wed, January 08, 2020

Buying the Block and Creating Legacy Through Real Estate Investing with Kyara and Khalil, the Charm City Buyers

Kyara and Khalil Uqdah of Charm City Buyers started investing in real estate right after college in September 2012. Their first property was in a depressed neighborhood in Connecticut. However, with a vision, networking, and creative financing they turned that one property, which they still own, into over 20 properties in Baltimore, Maryland. They have literally bought a block and are now focused on community development, mentoring other real estate investors, and building an empire and generational wealth.  In this week’s podcast episode both tell their story of humble, hustle beginnings, and share tips on how to get into real estate investing, set goals, and run a business that thrives.  Kyara and Khalil have built a results-based system that allows them and others to experience success in real estate investing. They retired from the rat race a few years ago and now enjoy life as full-time entrepreneurs and loving parents.  In this episode you will learn: Several ways to get started and build your real estate empire How to creatively buy your first investment property What’s life like pursuing entrepreneurship with your partner The importance of relationships and networking in real estate investing Steps you can take to exit the rat race and become an entrepreneur Why real estate isn’t for everyone and so much more Learn how to use Other People's Money in real estate through Charm City Buyer's course,  OPM Is King Introductory   Check out Charm City Buyer's mentorship program - the NEXTGen Accelerator, Use code "Journey2launch" for a discount. For those who are looking for tons of guidance, full cycle and detailed information on investing and are interested in Baltimore - this is a great way to join a community of folks accomplishing their real estate goals! Other related blog posts/links mentioned in this episode: I use Michael Hyatt’s Full Focus Planner to keep me focused so I get

S1 E133 · Wed, January 01, 2020

You Can’t Afford the Luxury of a Negative Thought, 2020 Here We Come!

In 2020, you cannot afford the luxury of a negative thought. This is just one of the amazing takeaways I discovered in my latest read, You Can’t Afford the Luxury of a Negative Thought: A Book for People with Any Life Threatening Illness--Including Life . This podcast episode will arm you with confidence, motivation, and knowledge to have your best year yet!  Reaching a goal starts in the mind. Therefore, negative thoughts are too expensive and could cost you your dream or your purpose. In this week’s episode I share 13 takeaways from this book, as well as, my thoughts on how you can stay motivated to create and accomplish your goals in 2020.  In this episode you will learn: The power of positive thinking and how to combat negative thoughts What it means to take responsibility How to be open to all methods and schools of thought Ways to combat fear How preparing for death is actually living and so much more Other related blog posts/links mentioned in this episode: If you enjoyed these takeaways, check out the book by John Roger and Peter McWilliams. I use Michael Hyatt’s Full Focus Planner to keep me focused so I get things done. If you are looking for a planner consider using this one . Check out the other tools that help me with my finances and business here .  Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List</

S1 E132 · Wed, December 25, 2019

2019 Year End Review & How Investing in Yourself is the Greatest Gift

I made it through my first year as a full-time entrepreneur! Check out solo episode 132 where I dive into the business side of Journey to Launch and explain why I spent most of this year investing in myself. As I reflect on 2019, I share more about the financial impact of going from a corporate job to full-time entrepreneur, and how we prepared for this moment. I also report how I tripled Journey to Launch’s income since last year. Lastly, the episode wouldn’t be complete without highlights from this year and a sneak peek about what’s next for Journey to Launch. In this episode you will learn: The importance of investing in YOU How to increase your business income as an entrepreneur Methods to help you to reflect and how to say no How planning and budgeting can maximize your finances and your time My realities of being a full-time entrepreneur The real deal about business income, expenses, taxes, and so much more Other related blog posts/links mentioned in this episode: I use Michael Hyatt’s Full Focus Planner to keep me focused so I get things done. If you are looking for a planner consider using this one. Check out the other tools that help me with my finances and business here .  Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB

S1 E131 · Wed, December 18, 2019

From Broke & Living In A Car to Traveling the World With Kierra Asnauskas

This week’s Journey to Launch podcast episode features, Kierra Asnauskas, who shares her amazing story on how she went from broke and homeless to a six-figure salary and living abroad. On her journey, Kierra taught English overseas, boosted her salary from $31,000 to $182,000 a year, and received free housing and healthcare. With fewer expenses, Kierra knocked out $49,000 in debt and started investing. Today, Kierra and her husband are living overseas while she takes her first mini-retirement. Listen to the full episode to learn how you can live your best life abroad and build wealth too.  In this episode you will learn: How Kierra went from broke and homeless to a six-figure salary Opportunities overseas where you can get free rent, healthcare, and more All about mini-retirements and how you can take one now How to minimize taxes when living and working overseas  What is geoarbitrage and how you can use it to get an affordable degree The difference between lazy investing and value investing, and much more  Other related blog posts/links mentioned in this episode: Kierra mentioned so many good reads in her interview. Check out the list below. The 4-Hour Workweek by Timothy Ferriss The Miracle Morning by Hal Elrod How to Build Wealth Teaching English Overseas by Ben Stout The Simple Path to Wealth by JL Collins Want to take your own mini-retirement and enjoy life now? Hear how it’s done in episode 54 with Carl Seidman . Carl took his first mini-retirement at age 32.  Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch v

S1 E130 · Wed, December 11, 2019

Your Guide to Earning More Money with Kathlyn Hart

Learn how to boost your income in your career or business in this week’s Journey to Launch podcast episode with Kathlyn Hart.  Kathlyn Hart is a coach who helps ambitious women dream big, live boldly, and earn more money. Kathlyn and I have an insightful and amazing conversation that will inspire you to earn more whether you have a 9 to 5 or your own business.  This episode is packed full of tips to help you change your mindset and earn the money you deserve.  In this episode you will learn: How to accelerate your path to financial freedom by earning more money Steps to take before you ask for more money The importance of a money mindset and how to shift your money beliefs Tactics to set your prices and services as an entrepreneur Sites to research the going salary for your market and so much more Other related blog posts/links mentioned in this episode: Are you earning your optimal salary based on your experience and skills? Find out by doing your research on three sites Kat mentioned in the episode.  Glassdoor Payscale Salary Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my <a href= "

S1 E129 · Wed, December 04, 2019

Don’t Keep Your Day Job. How to Turn Your Passion Into Your Career with Cathy Heller

You have something to share with the world! It’s time to turn your passion into your career. Listen to this week’s Journey to Launch podcast episode for inspiration and tactics to manifest your dreams.  In episode 129, Cathy Heller who is an author, podcast host, speaker, songwriter, and coach, talks about her new book and how to make your passion a reality. This episode provides concrete tips to start your own business, create your dream job, and make your own path. Check out Cathy’s interview and discover how you can make an amazing living serving the world and fulfilling your purpose. In this episode you will learn: Four types of creative stages  How to view your dream from different perspectives  The importance of letting yourself be messy How to nourish your dream job and use your day job as your investor Tips to increase your network and net worth The human approach to entrepreneurship  Steps to take before you quit your job and so much more Other related blog posts/links mentioned in this episode: Get your copy of Cathy’s book, Don’t Keep Your Day Job: How to Turn Your Passion Into Your Career , today! Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 <a href= "https://www.youneedabudget.com/landing/journey-to-launch/?utm_medium=affiliate&utm_source=journeytolaunch.com&utm

S1 E128 · Wed, November 27, 2019

Self Education and Ultralearning as a Means to Reach Your Financial Goals & More with Scott Young

To compete in today’s world of rapid technology changes and fierce job competition, you must become an ultralearner and self educator. his week on the Journey to Launch podcast, Scott Young shares how you can master new ideas, subjects, and skills to stay ahead in your career.  Scott is the author of Ultralearning , a book that outlines how to boost your learning so you can win at life and accomplish your goals. In the podcast episode, Scott discusses the most effective learning methods, stories of successful ultralearners, and shares examples of how self-learning can improve your life. Listen to this episode to learn how to maximize how you learn and execute a plan. Whether your goal is to travel the world and learn foreign languages, earn a debt-free degree, or improve your income and finances, Ultralearning and the tips in this podcast will guide you to success.  In this episode you will learn: Methods to optimize what you learn and how to impact your life Ways to get a degree for free The benefits of making a plan before executing a project How to raise ultralearner children plus so much more Other related blog posts/links mentioned in this episode: For more productivity tools and tips check out Scott’s website with over 1,000 articles.  You should also check out his book here . The audiobook is also available if you prefer to listen versus reading. Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! <a h

S1 E127 · Wed, November 20, 2019

Saving 50% of Your Income on $60,000 While Navigating a Health Condition with Zero

In this week’s podcast episode, Zero shares her amazing story of adversity and triumphs. She saved half her income when she made $60,000 a year in New York while also navigating health challenges. In her twenties, she had brain surgery and doctors told her she may not be able to work or live independently. Instead of surrendering to her prognosis, she got through her recovery and moved to New York City.  Not only did Zero find a job, but she went from making $37,000 a year to $75,000 in a short period. Zero maximized her income when she was making less, so she was able to max out her retirement savings when she earned more money. Zero saved $100,000 by 30 and recently quit her job to become a full-time entrepreneur. She continues to navigate her health challenges but has never allowed them to limit her abilities or accomplishments on her journey to financial freedom.  In this episode you will learn: How to boost your income so you can max out your savings Ways to save on taxes and medical expenses  The power of a positive perspective and money mindset How to save, invest, and survive on less in New York City and so much more Other related blog posts/links mentioned in this episode: If you liked this interview with Zero, you may also enjoy episodes 52 and 84 with Tanja Hester from Our Next Life .  Finding Adventure and Happiness on Your Journey to Financial Independence with Tanja from Our Next Life-- Episode 52 How To Achieve A Work-Optional Life & Retire Early with Tanja Hester-- Episode 84   Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question

S1 E126 · Wed, November 13, 2019

How She’s Building a $500,000 Portfolio & Retiring Early at 30 Years Old (w/ a Purple Life)

This week’s Journey to Launch podcast episode is one you don’t want to miss! I’m talking with Purple from A Purple Life about how she plans to retire at 30 and live off only $18,000 a year.  In 2015, Purple started her blog to track her journey to financial freedom and early retirement. Thanks to her efforts to decrease spending, increase her wages, and geo-arbitrage, she is on her way to retiring in 2020. In less than four years she went from a net worth of $5,000 to over $350,000. Check out the episode to hear how she is living on her budget without sacrificing the fun things she loves.  In this episode you will learn: How to budget your money and apps that can help  The importance of saving for retirement and securing your employer’s match Ways to save your first $100K What is geo-arbitrage and how it can jumpstart your path to FIRE How to demand a higher salary, and so much more Other related blog posts/links mentioned in this episode: Purple admits saving her first $100,000 was a big milestone. But once accomplished, doubling and tripling her money happened in much less time.  Here is one way to save your first $100K too. Here are more ways to save 100K . Be like Purple and get paid for taking pics of “Help Wanted” signs with the Job Spotter app by Indeed. Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link . Connect with Purple Life: Instagram:@apurplelife <a href= "https://ww

S1 E125 · Wed, November 06, 2019

From Making $35,000 A Year To Being A Millionaire with Ericka Grant

This week on the Journey to Launch podcast we have special guest, Ericka Grant from Atlanta. Ericka is a successful marketing professional who started out making $35,000 a year but has accomplished financial independence and built a net worth over $1 million through real estate investing. Through networking, she moved up in her career and boosted her salary to six figures along the way. At the same time, she purchased her first home in New York City at 25 years old. Having a knack for finding the best properties, Ericka has since expanded her real estate investments to include properties in several states. Listen to this week’s episode to hear how Ericka obtained millionaire status in her thirties but continues to work and build wealth because she wants to--not because she has to.  In this episode you will learn: How to boost your salary and leverage your network in your career One benefit to working remotely that you didn’t know before How to “success proof” your career and focus on opportunities Great investing strategies for real estate investors and much more The doors to the Money Launch Club are now open, the membership community that provides the support, tools, education and plan so that you can reach your financial goals like paying off debt, saving, investing and more. But the doors will be closing on Friday, Nov 8th. Come join us here . Other related blog posts/links mentioned in this episode: Check out the Journey To Launch Podcast index here that categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link . Connect with Ericka: Instagram: @ericka_sojourner Connect with

S1 E124 · Wed, October 30, 2019

Celebrating 1 Million Downloads For The Journey To Launch Podcast + 10 Milestones Accomplished Along The Way

The Journey to Launch podcast has officially reached one million total downloads! (in podcast land, that’s a big deal). Thank you to all of the listeners a.k.a. Journeyers who have inspired me to keep producing the podcast, rain or shine, every week for the past two years. You guys have been following my journey, sharing and supporting the content I produce which keeps me motivated to deliver and improve my message and platform.  My goal is to inspire even more people to improve their finances and pursue financial freedom and independence so that they can truly live the life they want and deserve.  In this special episode, I share more about my life since starting Journey To Launch and launching the podcast. Listen in to hear more about my humble beginnings in Jamaica, how I quit my job and found more freedom now without having a million dollars in the bank, the impact of the podcast, and so much more. My hope is that my story continues to inspire and show you how too you can make your dreams become a reality,  In this episode you will learn:  More about me and my humble beginnings in Jamaica How I discovered the fire movement and started my own path to financial freedom The importance of resilience, trust, patience, and forgiveness  How you can create more financial freedom in your life with a “FU fund” Ten highlights that have happened in my life since launching the podcast and so much more In the episode I mention two special announcements. The first is that I’m opening doors to the Money Launch Club , the membership community that provides the support, tools, education and plan to reach their financial goals but the doors won’t be open for long. Come join us here . .  The second announcement is that we’ve created a podcast index that categorizes all of the Journey To Launch podcast by subject and category, so that you can binge on your favorite topics or type of episode. Go to the Journey To Launch Podcast Index here . Other related blog posts/links mentioned in this episode: Check out these past Journey to Launch episodes I mentioned in the episode: An Interview With My Mom & How She Prepared Me To Prosper I Quit My Job: Why & How I Quit My 6-Figure Job & How This Affects My Journey To Financial Independence Here are links to my weekly segment, Making Cents , on News 12, a local news segment that airs in New York . Check it out! Journey to Launch gets featured on <a href= "http://time.com/money/5251145/this-35-year-old-mother-is-saving-85000-a-year-in-new-york-city-and-plans-to-retire-in-5-years-h

S1 E123 · Wed, October 23, 2019

Teaching English Abroad & Paying off $37,000 of Debt with Miss Wise

This week on the Journey to Launch podcast we have Miss Wise of Wise Woman Wallet. Miss Wise is from North Carolina and was previously up to her eyeballs in debt and bills. She decided to turn her side hustle, teaching English to immigrants at a community college, into a full time teaching gig in China. Over the last three years, she has paid off $37,000 in debt and paid $6,000 cash for certifications that have allowed her to make more money.  In this episode, Miss Wise shares the steps you can take to travel, teach, and knock out debt as an expatriate (someone living abroad). Listen now to learn how Miss Wise is teaching others how to achieve financial success and live a good life. In this episode you will learn: How you can teach English overseas  The benefits of working overseas and having your essential bills covered How to boost your income and crush debt with side hustles What life is like as a Black woman in China How to find your tribe in foreign countries plus so much more  *When we first recorded this episode back in July 2019, Miss Wise paid off $16,000 of debt. Since that recording, her new total debt pay off amount is $37,000 (as of mid October 2019)* Other related blog posts/links mentioned in this episode: Miss Wise’s online TEFL certification provider: https://www.internationalteflacademy.com/   Miss Wise’s Florida teaching certification program: https://www.teacherready.org/   Looking for lucrative teaching jobs overseas? Start here . Find the right teaching job abroad at any of these sites: https://www.teachaway.com/   http://www.eslcafe.com/jobs/ https://jobs.echinacities.com/ Membership into the Money to Launch Club is currently closed but don’t miss out on the next enrollment. Sign up to get on the Money Launch Club waitlist here .  Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 <a href= "https://www.youneedabudget.com/landing/journey-to-launch/?utm_medium

S1 E122 · Wed, October 16, 2019

How Shang of Save My Cents Reached Financial Independence by 31 Years Old

In this week’s episode of the Journey to Launch podcast, Shang of Save My Cents shares how she achieved financial independence by age 31. Shang has the funds to make work optional but chooses to keep working. By day, Shang is a management consultant. By night, Shang helps families get out of debt, save money, and start investing to grow their finances. In this episode you will learn: The importance of mental health on your wealth journey The key to an abundance mindset and why it’s important to give How to accomplish financial independence in expensive cities like NYC What factors to consider when deciding your side hustle How to leverage your knowledge and network plus so much more Other related blog posts/links mentioned in this episode: Membership into the Money to Launch Club is currently closed but don’t miss out on the next enrollment. Sign up to get on the Money Launch Club waitlist here .  Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link . Connect with Shang: Website Instagram: @SaveMyCents Facebook: Save My Cents Group Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Money Launch Club

S1 E121 · Wed, October 09, 2019

Paying Off $1 Million Dollars of Debt With “The Debt Slayer” Naseema McElroy Plus My Takeaways From Fincon 2019

Naseema McElroy, is back on the Journey to Launch podcast to update us on how she paid off 1 million dollars of debt in a few years. The creator of Financially Intentional and the Nurses on Fire podcast, Naseema, first shared how she paid off   $300,000 in debt as a single mom in episode 16. Now, Naseema is giving us an update on how she’s paid off a million dollars of debt since we last spoke and opens up on how she is now living a more balanced life and building her business.  After we hear from Naseema, I provide a recap of my experience at FinCon , a conference for content creators in personal finance. This year the conference was in Washington, D.C. and I had the chance to connect with personal finance influencers and Journeyers.  In this episode you will learn: How Naseema paid off $1 million in debt About geoarbitrage and how it can help your finances The realities of entrepreneurship life Steps you can take to know if you are built for entrepreneurship  What’s more valuable than wealth  Ways to get into nursing without diving into student loan debt plus so much more Other related blog posts/links mentioned in this episode: Check out the beginning of Naseema’s fire journey in episode 16 where as a single mom, Naseema paid off $300,000 in debt in two years. Download her hot new podcast, Nurses on Fire , where you listen to your favorite podcasts.  Membership into the Money to Launch Club is currently closed but don’t miss out on the next enrollment. Sign up to get on the Money Launch Club waitlist here .  Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link . Connect with Naseema: <a href= "h

S1 E120 · Wed, October 02, 2019

Q&A Episode: Best Strategies To Pay Off Debt, Turnkey Real Estate Investing, How To Stay Motivated on Your Journey + More

I am answering your most recent submitted money questions on this week’s episode of the podcast. In this episode, we dive into a discussion about the types of debt, debt payoff methods, real estate investing, budgeting, and retirement savings. You don’t want to miss this good advice that can help you on your journey.  In this episode I answer: If you use a home equity line of credit to refinance your loans If it makes sense to take money from your retirement account to pay off debt The difference between secured and unsecured debt How to strategically pay off debt with the snowball or avalanche method Tips on what to do before you start investing in real estate The facts about borrowing from your retirement account How to stay motivated on your journey with the right budget plus so much more Other related blog posts/links mentioned in this episode: Check out this debt repayment calculator to help you decide between the debt avalanche and debt pay off method Membership into the Money to Launch Club is currently closed but don’t miss out on the next enrollment. Sign up to get on the Money Launch Club waitlist here .  Other great Journey to Launch Podcast episodes you should hear (for the first time or again): Episode 16: How Single Mom Naseema Went From Broke To Paying Off $300,000 in Debt Episode 47: Sylvia’s Journey To Paying Off 6 Figures of Law School Debt & Becoming Financially Independent Episode 69: Single Mom Takiia’s Amazing Story: How She Went From $100,000 in Debt to $500,000 in Savings Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link . Connect wit

S1 E119 · Wed, September 25, 2019

How to Pay Off Debt, Stop Sabotaging Your Financial Success & Tell Family “No” So You Can Thrive with Kenishia Mais

In this week’s episode of the Journey to Launch podcast we have Kenishia Mais, a Jamaican entrepreneur, Financial Educator and the visionary who founded ThrivingDollars . Kenishia was always a good saver. She started saving her lunch money in school & kept this habit into adulthood. But when she became the person her parents and other family members came to when they needed money, the pressure of being the family bank was overwhelming. It drove her to abandon her money habits and become a big spender so she wouldn’t have money when her family asked for a loan.  Listen to this episode to learn how Kenishia turned her life and finances around. She became a self-taught investor at age 21 and is now a financial educator spreading the financial gospel to others through her blog and business, ThrivingDollars.  In this episode you will learn: How to manage the burden of being your family’s bank Tips to empower family members to solve their own money problems Differences between investing in the United States and Jamaica Ways to invest in retirement and brokerage accounts plus so much more  Other related blog posts/links mentioned in this episode: Check out Rich Dad Poor Dad by Robert Kiyosaki, a financial literacy classic Keneisha mentions in her interview.  If you want to hear the beginning of this series check out episode 117 featuring Cameron Huddleston, author of Mom and Dad, We Need to Talk: How to Have Essential Conversations with Your Parents About Their Finances .   Sign up to the Money Launch Club waitlist to be the first to be notified before anyone else when the doors open. The Money Launch Club is the membership community for Journeyers just like you looking to take their finances and life to the next level. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my <a href= "

S1 E118 · Wed, September 18, 2019

Creating Generational Wealth & Having Necessary Intergenerational Money Conversations with Duane & Taylor Davis

This week, Journey to Launch’s podcast episode continues the conversation on generational wealth and talking with your family about finances. In this episode, we have a dynamic father and daughter duo, Duane and Taylor Davis of Davis Generational Wealth Education Initiative, Inc . Duane and Taylor have a passion for financial literacy and inspire families and communities to have intergenerational financial conversations.  Finances should be fun and inclusive of the entire family. Listen to this episode to learn how to spark money conversations in your family so together you can build generational wealth and develop strong money habits.  In this episode you will learn: How to have intergenerational financial talks with your family  The importance of estate planning and trusts Tips to help parents talk to their kids about money What is “coaching up” and how kids can talk to their parents about money The impact of the “Black Tax” and how to respond when family ask for money Ways to preserve generational wealth so it lasts Other related blog posts/links mentioned in this episode: If you want to hear the beginning of this series check out episode 117 featuring Cameron Huddleston, author of Mom and Dad, We Need to Talk: How to Have Essential Conversations with Your Parents About Their Finances .   Sign up to the Money Launch Club waitlist to be the first to be notified before anyone else when the doors open. The Money Launch Club is the membership community for Journeyers just like you looking to take their finances and life to the next level. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link . Connect with Duane & Taylor Davis : <a href="http://w

S1 E117 · Wed, September 11, 2019

How to Have Essential Conversations With Your Parents About Their Finances with Cameron Huddleston

This week Journey to Launch’s podcast episode features award-winning journalist and author, Cameron Huddleston. With over 17 years of experience writing about personal finance, Cameron recently combined her knowledge and personal experiences in her book, Mom and Dad, We Need to Talk: How to Have Essential Conversations with Your Parents About Their Finances . In this episode, Cameron breaks down how to have difficult financial conversations with your parents. Listen to episode 117 to learn how to get your parents’ affairs in order before it’s too late.  In this episode you will learn: How to talk to your parents about their finances The basics of estate planning and what to do first What questions to ask your parents during “the talk” The importance of setting expectations for you and your parents as they age How to prepare your parents for retirement and long term care Tips in case you need to add your parents to your financial plan Other related blog posts/links mentioned in this episode: Check out Cameron’s book, Mom and Dad, We Need to Talk: How to Have Essential Conversations with Your Parents About Their Finances For tools on how to help your parents get organized or identify scams check out Cameron’s resources Sign up to the Money Launch Club waitlist to be the first to be notified before anyone else when the doors open. The Money Launch Club is the membership community for Journeyers just like you looking to take their finances and life to the next level. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link . Connect with Cameron Huddleston: Website <a href= "

S1 E116 · Wed, September 04, 2019

Healing Our Money Wounds & Uncovering Our Limiting Beliefs With Money Mitra

This week on the Journey to Launch podcast we have "Money Mitra," the founder of the "Psychology of Spending." Mitra is a money and mindset coach who helps you eliminate money blocks so you can build wealth. She helps you identify the root of your limiting beliefs and money wounds, which are the stories that prevent you from building wealth.  In this episode, Mitra shares her powerful story that shaped her journey. She is the daughter of a Southern Black mother born in the small town of Pulaski, Tennessee (infamous for two things: Sundrop and the KKK) and an Iranian immigrant father who came to America during the Iranian hostage crisis with little resources and a lot of ambition.  Mitra also hosts "Money Talks," a couch conversation series with a mission to normalize money conversations and help people learn their worth. The Talk Series also tackles how to navigate in our society where social advantage, power, and control influence so many people’s journey and financial decisions. Listen to this episode to learn how to overcome your money blocks and define success for yourself.  In this episode you will learn: The importance of understanding where you come from and how that affects who you are, your life, and your money scripts What are money triggers and money scripts The psychology of spending How to discover your money story, wounds, and the root of your limiting beliefs about money How to break free of your past and move forward on your financial journey The difference between a scarcity, abundance, growth, and fixed mindset Questions to ask if you want to be your best and most authentic self Other related blog posts/links mentioned in this episode: Sign up to the Money Launch Club waitlist to be the first to be notified before anyone else when the doors open. The Money Launch Club is the membership community for Journeyers just like you looking to take their finances and life to the next level. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my <a href= "https://www.youneedabudget.com/landing/journey-to-launch/?utm_medium=affiliate&utm

S1 E115 · Wed, August 28, 2019

How To Improve Your Money Resilience & Stay Financially Motivated with Ash Cash

Journey to Launch is so excited to have Ash Cash Exantus, America’s  Financial Motivator, on this week’s podcast. Ash Cash grew up in the projects of Harlem, New York.  In his twenties, thanks to fate and opportunities, he successfully navigated up the corporate ladder in the banking industry and later became the youngest CEO of a federally chartered bank. At 30, Ash Cash threw his own retirement party, left the banking industry, and pursued a full-time career as an entrepreneur, author, speaker, and financial literacy advocate. Some unexpected financial setbacks actually helped Ash Cash refocus and discover his passion to teach financial education. Today, Ash Cash is the Founder and CEO of MindRight Money Management. In his company, he mixes psychology and personal finance to create a culturally responsive--aka dope--approach to teaching financial literacy.  In Episode 115 you will learn: The importance of an abundance mindset How to see opportunities in the midst of obstacles What things to consider before becoming an entrepreneur  Tips to navigate the ups and downs of entrepreneurship  The power of passive income and how to use it to build wealth  The correlation between ownership and freedom Other related blog posts/links mentioned in this episode: Ash Cash is a best selling author with several good reads like The Wake Up Call , a book about financial principles based on Jay-Z’s 4:44 album, and Mind Right, Money Right . Check out all his books here . Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my <a href= "https://w

S1 E114 · Wed, August 21, 2019

Minding Your Money To Emotional & Financial Well Being With Kassandra Dasent

Personal finance expert Kassandra Dasent can relate to people from all walks of life. She went from being $55,000 in consumer debt to being debt-free with a six-figure net-worth. Now she is using her experiences to help you start “minding your money.” In this episode Kassandra talks about money, mindset, and emotional well being. This is one episode you don’t want to miss.  In episode 114 you will learn: The importance of a money mindset and how it can impact your ability to create wealth How to leverage your ability, skills, and experience to earn more  What steps to take before combining your finances in a relationship All about the black tax and how it impacts your finances The Four Pillars of Wealth that make you wealthy and whole Remember it’s time to sign up to join the Money Launch Club ! If you love this episode, join the club and you can hear from Kassandra up close and personal. She is speaking to the members in September and you don’t want to miss it. Doors close August 22nd so join now! Other related blog posts/links mentioned in this episode: Join the Money Launch Club Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link . Connect with Kassandra: Website Instagram:@Kassandradasent Twitter: @Kassandradasent Facebook: MindingYourMoneyKD Connect with me: Instagram: @journe

S1 E113 · Fri, August 16, 2019

Life After Becoming Debt Free With Money Launch Club Member, Josie Espinoza (Bonus Episode)

This week, we have another bonus episode for you. In episode 113, Josie, a Money Club Launch member shares her debt free story. She was the first in her family to go to college. But then she found herself in student loan, credit card, and auto loan debt. Listen to how she paid off $50k and now is on her way to financial freedom and independence. Along her financial journey, Josie discovered her passion for financial freedom and independence. She became a blogger with the mission to inspire the latino community to improve their finances and live a minimalist life. Now that they are debt free, Josie and her husband are focused on financial planning, saving, and securing their family’s future.        The day has finally arrived! The Money Launch Club (the membership community to help you reach Financial Freedom & Independence) doors are now open! Join us here MoneyLaunchClub.com  before the doors close again in a few days!   More About Josie Espinoza Current location (city)  Porterville, CA Profession Teacher Josie we are excited to share your story with the Journey to Launch community. Before we dive into your journey, can you tell Journeyers more about yourself?  I was born in Mexico, and I am the youngest of 9. I was the first one to get a college degree, but 3 of my older siblings own successful businesses in Mexico. My parents brought me to California when I was 8 years old along with two of my siblings. They have been farm workers ever since, picking different types of fruit depending on the season here in the Central Valley, California.  I never went to a babysitter because my parents would take me to work with them on the weekends, school holidays and summers. My first paycheck was from picking grapes one summer. Even though it wasn't easy working in the fields, I still didn't value money. My mom would always say "Money is made to be spent," and that's the mindset I grew up with. In college I had two jobs, bought a car, got my first credit cards, spent all my money, and didn't save a dime.  In about 2014, I came across the snowball debt payoff method on Pinterest which then led me to find Dave Ramsey. I started tracking my debt and tried to pay it off but wasn't really focused.  Fast forward to July 2018, we got home from a summer trip and had no money because our credit cards were maxed out and my next paycheck wasn't coming for another three weeks. Those three weeks without money were my rock bottom.  It was then that I really focused on my finances. We made our finances a priority, we made a budget and stuck with it. Every morning I take a few minutes to check our budget and remind my husband what our goal for the day. For example, sometimes we

S1 E112 · Wed, August 14, 2019

The Five Journeyer Stages and How to Unlock Freedom Along the Way to Financial Independence

Journeyers you are going to love episode 112. In this solo episode, you’ll learn about the five stages on the journey to financial freedom and independence. Listen now to see what stage you are in and what practical steps you can take to achieve your financial goals. Find out how to set your goals and take action, so you can experience more freedom now! In this episode you’ll learn: The 5 stages to financial freedom and independence How to calculate your Financial Independence number What goals to set at each stage of your financial journey The importance of mindset and habits Sign up for the Journey to Launch free class today! On this virtual webinar, you will learn more about the five stages to financial freedom along with other tips to help you create more freedom in your life today. Learn more about the Money Launch Club here and make sure you join when doors open up again! Other related blog posts/links mentioned in this episode: Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link . Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Journeyer Launch Club

S1 E111 · Fri, August 09, 2019

How Cassandra Increased Her Income by $10k & Improved Her Money Mindset (Bonus Episode)

Journey to Launch presents another bonus episode. This episode features, Cassandra Henry, a Journeyer paying off debt and investing in herself. From Bronx, New York, Cassandra is a first generation Dominican American. At 25 years old she is her family’s breadwinner. As a result, she quickly learned the importance of taking control of her finances and her debt. In episode 111, Cassandra shares how she eliminated credit card debt and boosted her income with side hustles. She taught herself about personal finances by reading, listening to podcasts, and surrounding herself with like-minded people in the Money Launch Club. Don’t forget to sign up for the Journey to Launch free class on August 15th! It’s a virtual meeting so you can join us from anywhere.  Learn more about the Money Launch Club here and make sure you join when doors open up again! More About Cassandra Henry Current location (city) Bronx, New York What's your profession? Teacher Cassandra we are glad to have you share your story with Journeyers today. Before we dive into your journey, please tell us more about yourself. My name is Cassandra Henry and I am a powerful, vulnerable and responsible leader. I am 25 years old and a first generation Dominican pursuing a life of abundance. I started my financial independence journey the summer of 2017, after being introduced to Dave Ramsey's 7 Baby Steps and the personal finance podcast, Bigger Pockets Money. I have since increased my income by an extra $10,000, learned the importance of budgeting, and now understand what it means to have an abundant mindset when it comes to money. I am currently on the road to paying off more than $25,000 in student loans. Although there have been many ups and downs, the journey has been worth it. Cassandra what advice would you give other Journeyers who are also on the journey to reach their goals? Invest in yourself! This journey of financial independence has helped me recognize my own worth and realize that I deserve to invest in the goals that I have for myself. Seeking opportunities to grow your network, attending webinars, or even meet-ups that focus on reaching financial independence has definitely helped me get closer to reaching my financial goals. If you want to reach financial independence, it's best to be on the journey in a community with others instead of on your own. Cassandra what's your "Why?" What motivates you to pursue Financial Freedom & Financial Independence? My “Why” is my family. When I was little, my father always reminded me about the importance of saving. Whether it be for clothes or traveling, he would always pull my mother, my sisters and me aside and we would count all of the money we saved

S1 E110 · Wed, August 07, 2019

A Deep Dive into Investing & Becoming Financially Successful After Bankruptcy With Courtney Richardson

Courtney Richardson, the founder of the Ivy Investor , is an attorney and investment advisor who helped her mom go from bankruptcy to paying off her home and retiring with enough money to live comfortably. Through her expert advice and classes she has helped women invest and save for retirement while mastering the tax game too. Named one of 7 Black Millennial Financial Experts to Follow on Instagram, Courtney is helping women build wealth and create secure financial futures.  In episode 110 you will learn: How your finances can impact your career  Tips to get started in investing Things you can do to pick your first stock The bankruptcy process and how to get through it  Where and how to invest for retirement  Don’t forget to sign up for the Journey to Launch free class on August 15th! It’s a virtual meeting so you can join us from anywhere.  Learn more about the Money Launch Club here and make sure you join when doors open up again! Other related blog posts/links mentioned in this episode: Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link . Connect with Courtney: Website Instagram: @TheIvyInvestor Twitter: @TheIvyInvestor Facebook: TheIvyInvestor Connect with me: Instagram: @journeytolaunch <a href="https://twitt

S1 E109 · Fri, August 02, 2019

From Living Paycheck to Paycheck to Paying Off Debt & Financially Thriving With Veronique (Bonus Episode)

Episode 109 is a bonus episode, the first of its kind. We are switching things up to give you more inspiring content in between regular Wednesday episodes. In this episode we feature Veronique Graves, a fellow Journeyer and member of the Money Launch Club . Veronique is a self employed sign language interpreter who is on her way to financial freedom. After becoming a member of the Money  Launch Club, she went from living paycheck to paycheck to paying off debt, saving, and investing. Listen to episode 109 to hear her story and learn ways you can get started on your journey too.  More about Veronique:  Current location (city) * Rockville, MD What's your profession? * Sign Language Interpreter Veronique we are so glad you are sharing your story with fellow Journeyers. But before we dive into your financial journey, please tell us more about yourself. * I work in the Washington, D.C./Baltimore metro area as a freelance sign language interpreter. Part time I teach Zumba for my local recreation center. Moved here from Atlanta about 9 years ago for a mentorship that was supposed to last 3 months and ended up loving the area and staying. I love travel, yoga, boxing, cycling, baking (really anything food related), dancing and singing. I also volunteer with the Make-A-Foundation. At 40 I’ve started learning Brazilian Jiu Jitsu and to play the guitar. Happy to have found a group of people who love learning and growing. It’s great that you have found ways to make money doing things you love, like Zumba. What advice would you give Journeyers who are also still on the journey to reach their goals? * Be patient and stick with the process. Mindset is more important than you realize and setting specific goals helps a great deal. Reading books on money and listening to podcasts will help you stay motivated. Finding friends and family with good money mindsets and goals is awesome too! What drives you to want Financial Freedom & Financial Independence? In the FIRE community, we normally refer to this as your “why.” * I want to be in a position where I am financially independent so that it allows me to have the life flexibility I  want whether it’s regarding my job or travel. Since I have an entrepreneurial spirit the freedom part is important especially since my income tends to fluctuate. I’d like to be able to help other people when they need it the way my relatives and friends have helped me. For example, when my siblings and I got our first cars, my grandma paid in cash and had us pay her back monthly so we wouldn’t have to incur interest from banks. Or when I had fibroid surgery my relatives were able to either give or loan me money to assist with medical bills. Veronique, wh

S1 E108 · Wed, July 31, 2019

Making Money Fun with Hey Berna

Bernadette Anat, also known as Hey Berna, is your Financial Hype Woman. Berna makes money fun through videos and money memes. She is your go to example of how to get out of debt and live your best life. In episode 108, Berna shares how she paid off $50,000 in debt, ditched her corporate job at Instagram, and traveled the world for one year. Now she’s back and living life on her terms as an entrepreneur.  In this episode you will learn: How to have the “get debt free” conversation with your family and friends A fun way to track your expenses—ditch the boring spreadsheets The importance of making money rules for each paycheck The impact an accountability partner can have on your financial freedom journey and why you need one Doors for the Launch Club re-open in August, click here to get on the list and get access to join before anyone else. Other related blog posts/links mentioned in this episode: Mint  Clarity Money Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link . Connect with Hey Berna: Website Facebook:@HeyBerna Instagram:@HeyBerna Twitter:@HeyBerna Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Jour

S1 E107 · Wed, July 24, 2019

Your 30 Day Money Cleanse To Take Control of Your Finances & De-Stress Your Money With Ashley Gerstley

Money Coach and Founder of The Fiscal Femme, Ashley Feinstein Gerstley, joins us in episode 107 to discuss the importance of your money mindset and her book, The 30-Day Money Cleanse . Ashley helps women build wealth by teaching you about her money mistakes and how to set yourself up for financial success. She coined her own way of budgeting called the “Happiness Allocation” and explains how your deep beliefs about money can impact your ability to make money it and keep it.  In this episode you will learn: How to take control of your finances with a 30-day cleanse Why a growth mindset is important to achieving and maintaining wealth How a gratitude attitude helps boost your finances Tips to change your beliefs and relationship towards money Practical steps to shake up your routine and drop frivolous expenses  What you can do to maximize your joy per dollar spent All about money parties and how to make finances fun Don’t know what a money party is? Listen to episode 107 now! Enter for a chance to win a copy of the book by going to JourneytoLaunch.com/win and entering your name & email only! Even if you don't win, you will still win by getting access to my free resource library. Doors for the Launch Club re-open in August, click here to get on the list and get access to join before anyone else. Other related blog posts/links mentioned in this episode: Remember to enter the contest to win a copy of Ashley’s book or you can grab your own copy now! To get the fun guides that will help you makeover your finances in 48 hours visit Ashley’s website . You can also get started with her 7-day jumpstart! Don’t forget to check out the Sa-Vings music video with a cameo from yours truly. Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my <a href= "https://www.youneedabudget.com/landing/journey-to-l

S1 E106 · Wed, July 17, 2019

Creating Financial Freedom & Wealth On Your Own Terms With Bola From Clever Girl Finance

Bola Sokunbi founder of Clever Girl Finance is back on the Journey to Launch Podcast! This time she is talking about entrepreneurship, ditching debt, and how to accomplish financial independence on your own terms. Bola is a certified financial educator and money expert, helping women take charge of their finances. Check out her new book, Clever Girl Finance Ditch Debt, Save Money, and Build Real Wealth , a manual about how to achieve financial freedom. In this episode we discuss:  How to adjust your mindset so you can succeed. How to define financial independence for yourself. How to prioritize and plan your financial goals. Entrepreneurship vs. a Job: How you can achieve financial independence through both. Enter for a chance to win a copy of the book by going to JourneytoLaunch.com/win and entering your name & email only! Even if you don't win, you will still win by getting access to my free resource library. Doors for the Launch Club re-open in August, click here to get on the list and get access to join before anyone else.  Other related blog posts/links mentioned in this episode: Bola’s book is out and you can get your own copy here . Bola Sokunbi on Episode 22 Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link . Connect with Bola Sokunbi: Website Facebook:@CleverGirlFinance  Instagram:@CleverGirlFinance Twitter:@CleverGirlcgf Connect with me: <p

S1 E105 · Wed, July 10, 2019

How To Quit Like a Millionaire So You Can Stop Working & Start Living With Kristy & Bryce

Kristy Shen and Bryce Leung left their lucrative software engineering careers to enjoy world travel and freedom. Both retired in their early 30’s with a 7-figure portfolio and have complied their secrets to success in their new book Quit Like a Millionaire: No Gimmicks, Luck, or Trust Fund Required . Kristy and Bryce are financially independent, self-made millionaires who hail from humble beginnings and learned along their journey how to follow the money so they could afford to pursue their passions.  In this episode we discuss:  How Kristy went from surviving off 44 cents a day to a 7-figure portfolio. How you can use CRAP (Creativity, Resilience, Adaptability, and Perseverance) to achieve success. How to cut expenses from your budget so you can maximize your income and minimize waste. How to choose your degree and career based on the math. Why your home is not an investment and how avoiding home-ownership helps you achieve financial independence sooner.  Why taxes are for the poor and how to win the tax game. Kristy and Bryce’s book is out and you can get your own copy here . On their website Kristy and Bryce also offer a free investing workshop . Check it out to start investing now! Enter for a chance to win a copy of the book by going to JourneytoLaunch.com/win and entering your name & email only! Even if you don't win, you will still win by getting access to my free resource library. Doors for the Launch Club re-open in August, click here to get on the list and get access to join before anyone else.  Other related blog posts/links mentioned in this episode: Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing y

S1 E104 · Wed, July 03, 2019

Create the Joyful, Purposeful and Rich Life You Deserve with Jean Chatzky

On this episode, we speak to Jean Chatzky, the financial editor of NBC’s TODAY show, an award-winning personal finance journalist & the host of the podcast HerMoney. Jean joins us to talk about how she navigated her career to become one of the most recognized and notable thought leaders in the personal finance space. She also explains the importance of taking risk and also gives different tips for saving and investing (especially if you feel like you had a late start). Topics discussed in this episode:  Finding the balance between doing what you love and earning money to pay for the lifestyle you love Discussion on the complex relationships that women have with money  How to be creative with being able to reach your goals  How to take risks to land your dream job (and life)    How someone who is older can still save for the lifestyle they want in retirement plus more Doors for the Launch Club re-open in July/August, click here to get on the list and get access to join before anyone else.  Other related blog posts/links mentioned in this episode: Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link . Connect with Jean: Website Instagram:@JeanChatzky Facebook:@JeanChatzky  Twitter:@JeanChatzky Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group <a href="http://journeytolaunch.com/laun

S1 E103 · Wed, June 26, 2019

The 2 Year Anniversary Episode- 10 Lessons & Updates From Growing & Running My Business

I am so excited to share this episode with you Journeyers! This is the 2nd year anniversary of the Journey to Launch podcast and with it, I’m pulling back the curtain on the hurdles, lessons and great things going on behind the scenes with myself and Journey To Launch. Hopefully, these 10 lessons/takeaways will inspire and enrich your journey too. My 10 Updates & Lessons: Say no and being ok with not pleasing everyone. (Are you afraid to say no because you think this opportunity will never come along again?) Let go of control so that you can grow and maximize your time. Be appreciative of the good things that you have in your life already. Know your worth & ask for more. Monetizing the podcast by partnering with brands that are a good fit “Talk the talk and walk the walk”-  Realize what you are really worth, and don’t be afraid to ask for more money. Invest in your own knowledge, create value and earn what you are worth. Instead of asking someone why they didn’t buy your product/service, focus instead on those who did. Don’t focus on the things that aren’t working out in your life, look at the things that are and realize what you are doing right. Identify your upper limit and realize how it is holding you back from having a breakthrough. Don’t be afraid to take that next step & don’t be your own worst critic. How to save & invest and take more risk. Updates on projects at Journey to Launch. Doors for the Launch Club re-open in July/August, click here to get on the list and get access to join before anyone else Other related blog posts/links mentioned in this episode: Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link . Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch

S1 E102 · Wed, June 19, 2019

How Dumpster-Diving and House Hacking is Fueling Charlie's Journey to Financial Freedom

I absolutely Iove bringing you ideas and stories that challenge your belief of what you think you can do and allows you to think outside the box. Charlie Pioli has a passion for environmental conservation and dumpster dives for a majority of his grocery needs.  I was immediately intrigued by Charlie’s story and lifestyle which at first seemed extreme, but as you’ll learn when you listen to the episode, is a practical and smart way to save money and reduce food waste. Charlie even discusses how he is house hacking and using real estate investing as a way to reach his goals.If you think you should skip over this episode just from the title alone, I challenge you to give it a try. Even if dumpster diving isn’t for you, you will walk away with some actionable tips and inspiration for your journey.   In this episode we discuss: Charlie’s backstory and how he got started dumpster-diving His plan to take a mini-retirment when he turns 30 How’s he’s house hacking and planning to use real estate to reach his financial goals Some of the mistakes he’s made a long the way and how you can avoid them Tips to save on your food/grocery expenses + more Doors for the Launch Club re-open in July/August, click here to get on the list and get access to join before anyone else Other related blog posts/links mentioned in this episode: 2017 New York City Waste Characterization Study Report With Charlie on the Cover Page Recording Data  The Truth About the Solid Waste Industry and Recycling   Article on How to Househack Advice to Get a Home Loan WIth No or Little Money Down Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app b

S1 E101 · Wed, June 12, 2019

How to Live Abroad and Use Entrepreneurship to Build Wealth with Damien Peters

Damien Peters walked away from his lucrative tech career to live abroad with his wife and young son in Spain so that he could live a life of freedom and flexibility. Damien shares how  entrepreneurship, real estate investing and saving allowed him to take the big leap and how you can make the changes you need in your life and finances to do the same. On this episode we discuss: How Damien walked away from his lucrative tech career to live abroad & how he was able to give up a stable 6 figure salary to a less guaranteed income but one that came with work flexibility. What should one consider when thinking of moving abroad and how he was able to get his wife on the same page. Damien’s entrepreneurship journey, his previous ventures and why he started Wealth Noir His real estate investing experience His journey in becoming an accredited investor and the risks and rewards associated with it becoming one Actionable tips for those ready to step up their pursuit of wealth & what you can do right now plus more Doors for the Launch Club re-open in July/August, click here to get on the list and get access to join before anyone else Other related blog posts/links mentioned in this episode: Should I Try Living Abroad- By Damien Peters  Accredited Investor Opportunities- By Damien Peters Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link . Connect with Damien: Website Instagram:@WealthNoir Facebook:@WealthNoir Twitter:@WealthNoir Connect with me: <p

S1 E100 · Wed, June 05, 2019

Q&A Episode: Debt Consolidation, Telling Family No, Emergency Savings + More

This is the 100th episode of the Journey to Launch podcast and I am so excited about getting this far thanks to all of you who listen every week. So for this episode, I’m answering listener questions about debt consolidation, online savings accounts and so much more. Questions in this episode: Is a debt consolidation loan ever a good idea? Should you place your emergency savings in an high yield online savings account? What is a Thrift Savings Accounts, how do they work and compare to other employer retirement savings and investment plans? What to do with the money after refinancing your house? How to deal w/ family members who want you to spend money on events when it will set you back financially? + more Doors for the Launch Club re-open on July/August, click here to get on the list and get access to join before anyone else! Other related blog posts/links mentioned in this episode: Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link . Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Journeyer Launch Club

S1 E99 · Wed, May 29, 2019

How to Unlock Your Full Wealth Potential & The Power Within You With David Neagle

This episode is probably one of my top 5 favorite episodes so far on The Journey to Launch podcast! I am so glad David Neagle came on the show; he is the founder of the multimillion-dollar global coaching company Life Is Now, Inc, helping thousands of entrepreneurs, experts and self-employed professionals gain the confidence and find the right mindset to increase their revenue. After a near death experience, David changed his way of thinking to get him on the path to unlock his full potential and making so much more money.  We discuss ways to change your mindset, how to deal with fear, how to stop feeling stuck in your jobs, the law of polarity, & so much more. Find out what book he recommends that you should definitely read & study to learn about how to make money that will change your life! On this episode, we discuss: David’s overall background/story How David’s life was forever changed on a day on the Illinois River which caused him to unlock the potential within him and triple his income How school and full time employment instills the idea of being safe in life and loyal to a job but can keep you stuck from reaching your true potential What happens to us as we grow to keep us so fearful Why the Science of Getting Rich by Wallace D Wattles is David’s favorite book The Universal law and the law of polarity How to see opportunities instead of obstacles How we can move from the mediocre mindset to the entrepreneur mindset Why it’s our divine right to be rich and wealthy but why so many people don’t achieve or believe this The one thing that you can do right now to change your life and unlock your full wealth potential Doors for the Launch Club re-open on July 18th, click here to get on the list and get access to join before anyone else Other related blog posts/links mentioned in this episode: Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referra

S1 E98 · Wed, May 22, 2019

Paying Off $111,000 of Debt in 4.5 Years on a Teacher’s Salary with Allison Baggerly

I’m so excited to be joined by Allison Baggerly on this episode who is the founder of Inspired Budget, a business that helps women learn how to budget, save money, and pay off debt. Allison shares with us how she and her husband were able to pay off $111,000 worth of debt on 2 teacher’s salary in 4.5 years! She gives us lots of great tips on how she and her husband stayed committed to their goals, and opens up about her struggles with anxiety and depression around money which affects many of us. Learn how to shift your focus from finding temporary happiness from spending money to finding it in saving & paying down debt! Topics discussed on this episode: - How she and her husband paid off $111,000 in debt in 4.5 years on teacher’s salaries - What steps they took to find more money in their budget - How they stayed committed to their money goals - Her struggle with anxiety and depression, especially around money - How she’s a natural spender and how she fought it to stay on track to pay off her debt - How Allison juggles a full-time job, being a mom and a wife plus running a side hustle - Her thoughts on the Financial Independent Retire Early Movement (F.I.R.E) - Tips if you are struggling with a budget plus so much more! Other related blog posts/links mentioned in this episode: How We Paid Off $111,000 of Debt to Become Debt Free Have Kids & Become Debt Free Coach Purse Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my <a href= "https://www.youneedabudget.com/landing/journey-to-launch/?utm_medium=af

S1 E97 · Wed, May 15, 2019

Paying Off Debt & Real Estate Investing with Ogechi Igbokwe

This week’s guest is Ogechi Igbokwe, a financial educator, money strategist, speaker, personal finance writer and the founder of OneSavvyDollar. In our chat, Ogechi gives a lot of great tips and advice on how to get out of student loan debt, how & where to get started investing in real estate, and how to find companies that help you pay for your higher education tuition. Here are just some of the topics that we discussed: Ogechi’s background story; what she learned about money where she grew up, how those views were altered when immigrating to the US. Family views on education and how it differed in the U.S compared to Nigeria What steps she took to get out of $26,000 worth of student loan debt and tips on how you can too The challenges she faced along the way to becoming debt free Ogechi’s real estate investing experience and how she bought her first property at 21 years old Methods you can take to get companies to either pay for tuition or pay for tuition reimbursement Ogechi is also coming into the Launch Club to teach a class about Home Buying & Real Estate. Doors for the Launch Club are currently closed but you can get on the waitlist to join the Launch Club and watch Ogechi’s class and other classes that can help you achieve your goals of Financial Freedom. Click here to get on the waitlist and be the first to be notified when the doors open. Other related blog posts/links mentioned in this episode: Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link . Connect with Ogechi: Website Instagram:@OneSavvyDollar Facebook:@OneSavvyDollar Connect with me: <a href="https://w

S1 E96 · Wed, May 08, 2019

How To Achieve Flexible Financial Independence & Create Your Ideal Life with Jillian Johnsrud

What does a flexible life, a life where you are in control and enjoy look like. Today, I’m speaking with Jillian Johnsrud on the podcast to learn just that. By 32, Jillian and her husband had paid off $55k in debt, lived abroad for 4 years, traveled to 27 countries, adopted 4 kids, paid cash for their home and became financially independent. She lives in Montana where she writes, coaches and speaks about creating financial freedom, intentional living and lifestyle entrepreneurship. On this episode we discuss: What a Financial Independence (FI) Flashpoint is and how it prompted her to look for a better way How to create your ideal life What she and her husband did to become FI How & Why they bought their first house in all cash What Flexible F.I.R.E is and why we should choose our own path Accomplishing minimalism with 5 children at home plus so much more Doors for the Launch Club re-open on July 18th, click here to get on the list and get access to join before anyone else Other related blog posts/links mentioned in this episode: Jillian’s Free Course - Live w/ Intention: A Roadmap to Your Best Life    Flexible F.I.R.E. Finanical Independence Flash Point Minimalism with Kids Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link . Connect with Jillian: Website Instagram:@J illianJohnsrud <a href="https://twitter.com/mtmoneyadventur?l

S1 E95 · Wed, May 01, 2019

Side Hustling To Pay Off Debt & Bouncing Back From Setbacks On Your Financial Journey with Jason Butler

On this episode, we are joined by Jason Butler of My Money Chronicles . He is a serial side hustler, who currently makes between $500 - $800 per month with eBay and uses that money and other side hustle income to pay off his debt.  He's gets real with us about all the setbacks, headaches and bumps along his journey that he has experienced. Jason explains how he works on his side hustles to help him pay off his debt and gives us great advice on how you can approach setting goals for getting out of debt too. Find out about how much he loves Miami but why he can’t go back just yet! On this episode we discuss: Jason’s money backstory and how he got into debt What setbacks he has had  along the way and some of the lessons he’s learned His current side hustles and how he plans to make $36,000 this year from side hustles alone How Jason plans to stick to his debt payoff goal How he makes money from Ebay and how any person can get started selling on Ebay plus so much more   Doors for the Launch Club re-open on July 18th, click here to get on the list and get access to join before anyone else Other related blog posts/links mentioned in this episode: Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link . Connect with Jason: <a

S1 E94 · Wed, April 24, 2019

Tips on Funding and Growing Your Side Hustle with Kara Stevens

I am so excited to share this episode featuring Kara Stevens of the award winning site The Frugal Feminista which helps women get their finances in order. We get some firsthand tips from Kara on how to grow and manage a profitable side hustle while juggling a full-time job and family. Kara was able to not only pay off $40,000 in debt in 3 years but also build a business on the site while managing a full time job & a family, so there is definitely much to learn In this episode we will discuss: Kara’s background, money story & journey into entrepreneurship How she paid off 40,000 of debt in 3 years. Find step by step guide here . How to balance a full-time job, your side hustles & a family How as a principal, Kara wanted to start a community based businesses Time vs. money argument. When to outsource and build a team, and how to determine where to spend/invest when you still have debt How to build a team for the key aspects of the business on a budget and the tools to support communication? Tips on staying motivated from Kara’s article . Other related blog posts/links mentioned in this episode: 9 Things I Did to Pay Back My $40K Student Loan Debt in Two Years 6 Tips to Keep You Motivated While Building Your Business on the Side Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link . Connect with Kara: Website <a href= "http://www.instagram.com/frugalfeminista

S1 E93 · Wed, April 17, 2019

DIY & Trade Job Path to Financial Freedom with Tinian Crawford

You may think that you need a traditional education to reach Financial Freedom, but on this episode, Tinian Crawford is here to tell us otherwise. He shares with us how lucrative a job in the Trades can be and why more people should be looking to a trade career and building their DIY skills to help them reach their goals of Financial Independence.   On this episode you will learn: Tinian’s backstory & his entrepreneurial journey into the world of Financial Independence What’s considered a "trade job" and how pursuing trade skills is a great alternative to a traditional college education The demand for trade jobs and the gap between skilled workers and available positions How one can get started in the trades, how to get your children started & how to pivot into a trade career How to become a trade entrepreneur in order to reach your financial goals The gender gap and barrier that women may experience when looking to get into trades but why women are needed in these fields plus so much more Other related blog posts/links mentioned in this episode: NPR Article Women in the Trades College vs Trades  My Big Stupid Hot Tub Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link . Connect with Tinian: Website Instagram:@diycaptain Twitter: @DiyCaptain Facebook: @Tinian.Crawford <st

S1 E92 · Wed, April 10, 2019

Affordable Real Estate Investing with Lisa Phillips

On this episode of Journey to Launch, I speak to Lisa Phillips on how to get into affordable real estate investing as a way to build wealth. Lisa shares how she built her real estate portfolio and has reached Financial Freedom after losing her job and going through foreclosure. Topic talked about in this episode include: -Lisa Phillip’s background from losing her home in a foreclosure to being able to bounce back as a successful real estate investor -How to get started investing in real estate without a lot of capital & cash -Where to find affordable real estate for around $30,000 -Why rural, inner-city, and mid sized cities properties in working class neighborhoods are the best investments -How to invest in a property in another city & the key things to make out of town investing work plus so much more Other related blog posts/links mentioned in this episode: Thank you to The Nav.it Podcast for Sponsoring the Episode Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link . Connect with Erin: Website Instagram: @Affordablerei Twitter: @Affordablerei Facebook: @Affordablerei Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Journeyer Launch Club

S1 E91 · Wed, April 03, 2019

Leveling up your Money & Investing with Erin Lowry

Investing can seem complicated but Erin Lowry is breaking it down into terms we can all understand. Her new book,  Broke Millennial Takes On Investing, is a beginners guide to investing and will help you level up your money.  Here's what we discuss in this episode: Erin’s background & how she became the Broke Millennial and an overview of her book The most common “excuses” or limiting beliefs on why people don’t invest The importance of compound interest, inflation & time & why you should start sooner than later Investing in a 401K, Roth IRA & other investing options aside from your employer Goal setting, time horizon, risk tolerance and asset allocation Paying off your student loans vs credit card debt vs investing for retirement What the wealthy are doing in regards to investing The benefits & advantages of robo advisors vs human advisors vs investing on your own Email info@brokemillennial.com with proof of purchase of the book & get the free 30 day investing action plan!  Last Chance to join the Journeyer Launch Club before the doors close for a bit on April 4th. Check out the Launch Club here . Other related blog posts/links mentioned in this episode: Get your chance to win a copy of Erin's book here . Get Erin Lowry's Book Here Attend Erin's Upcoming Book Tour  Check out  Investor.gov  Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my <a href= "https://www.youneedabudget.com/landin

S1 E90 · Wed, March 27, 2019

Four Things You MUST Focus on To Make Financial Freedom A Reality

To reach your goals of Financial Freedom and Independence, you have to focus on these four areas; Income, Expenses, Investing (not just in retirement accounts), & Mindset. In today’s episode, I will be discussing how to optimize and improve each of the four components and give you tips on how to succeed in each area. There’s still time left to join me in my FREE class on March 28th at 8:30pm EST. Grab your spot here Other related blog posts/links mentioned in this episode: Join  The the FREE class on March 28th at 8:30pm EST Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link . Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Journeyer Launch Club

S1 E89 · Wed, March 20, 2019

Tax Code Changes, Business & Real Estate Tax Tips & Building Wealth w/ Atiya Brown

On this week’s episode, I talk with to Atiya Brown of the Savvy Accountant all about taxes. Taxes can be confusing and overwhelming to understand but its an important tool to build wealth. We talk about: New changes to the tax code  How to decide when you should DIY your taxes vs hiring a professional How you can use a businesses and side hustles to help you become more tax efficient Using real estate to help lower your tax liability and build wealth Most common tax misconceptions and questions Atiya gets about taxes + so much more Join me for the FREE class on March 28th all about how to create your plan to reach Financial Freedom here Other related blog posts/links mentioned in this episode: Join  The the FREE class on March 28th at 8:30pm EST Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link . Connect with Atiya: Website Twitter: @AccountantSavvy Instagram: @thesavvyaccountant Facebook Page: thesavvyaccountant   Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group

S1 E88 · Wed, March 13, 2019

Faster and Cheaper Alternatives to College w/ Ryan Craig

On this week’s episode, I am exploring some cheaper and faster alternatives to college with Ryan Craig who wrote the book, A New You, Cheaper and Faster Alternatives to College. In this episode we talk about: The history of college education and how this advanced degree system came to be? The fundamental issues with college today  What’s the framework for making the critical importance choice of where to go to college?  Affordable vs Unaffordable and Nonselective college vs Selective college The last mile in higher education, pathways to digital new careers, boot camps (in person and online) What’s the overall benefit to solving social and economic problems when the faster and cheaper college alternatives become more of the norm? plus so much more Join the Journeyer Launch Club for more tips, tools and resources to help you on your journey to Financial Freedom! Other related blog posts/links mentioned in this episode: A New U Book The Rule of 10- Benchmark for making college affordable Techtonic Join  The Journeyer Launch Club Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link . Connect with Ryan: Website Twitter: @ryancraiguv   Connect with me: <a href="https://www.instagram.com/journeytola

S1 E87 · Wed, March 06, 2019

Investing & Entrepreneurship w/ Eric Patrick The Hip Hop Stock Doc

On this week’s episode, I’m talking to Eric Patrick who is a full-time Pharmacist, husband, father of two and runs two side hustles, DocDesgins, a social media management company and Black Market Exchange which uses hip-hop and urban media to make investing fun and easy to understand. In this episode we talk about: How he first got into investing Balancing a full-time job as a pharmacist and two side hustles The lessons we can learn about money through hip hop and movies like Black Panther How you can be multi passionate and pursue different career paths Deciding on what to do as a side hustle Lessons to teach your kids about money plus so much more Join the Journeyer Launch Club for more tips, tools and resources to help you on your journey to Financial Freedom! Other related blog posts/links mentioned in this episode: Gaining Personal Financial Freedom through the Biblical Principles of Finances by Larry A. Maxwell Join  The Journeyer Launch Club Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link . Connect with Eric: Website Instagram: @Black_market_exchange Twitter: @hiphopstockdoc Facebook: Black Market Exchange   Connect with me: Instagram: @journeytolaunch <a

S1 E86 · Wed, February 27, 2019

086- Journeyer Profile: Owning Real Estate & Having a Networth of $100K without a 6 Figure Salary with Ashley Copeland

I’m excited to bring you another Journeyer Profile interview. Today, I’m talking with Ashley Copeland who was able to purchase 2 homes and has a net worth of almost $100,000 all by the age of 27 years old. She was able to accomplish all of this without ever earning 6 figures and while living in DC. In this interview we discuss: How she ended up buying 2 properties in DC How she prepared to quit her job to follow her passions Why she comes from a place of gratitude with all areas of her life - even when it comes to waiting tables Tips on spending wisely and saving money Breaking down your goals to be smaller and achievable and so much more Join the Journeyer Launch Club for more tips, tools and resources to help you on your journey to Financial Freedom! Other related blog posts/links mentioned in this episode: Afford Anything Podcast Join  The Journeyer Launch Club Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link . Connect with Ashley: Website Instagram: @Stacksnthecity Twitter: @Stacksnthecity Facebook: Stacks and the City Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group <a href="http://journeytolaunch.

S1 E85 · Wed, February 20, 2019

085- The Colors of FI - Roundtable Chat on Financial Independence

I’m excited and honored to bring you this roundtable discussion. I brought together some of the most notable and leading voices in the Financial Independence and personal finance space to discuss the wealth gap, privilege and the unique factors that people of color face in reaching Financial Freedom. The roundtable includes; Naseema from Financially Intentional, Carmen Perez from Make Real Cents, Timika from the House of FI Podcast & Julien and Kiersten from Rich & Regular.   We discuss: Lack of diversity in the messaging and why our stories need to be told Our thoughts on overall privilege and our own individual privileges Actionable steps people of color need to take to get ahead Getting the cheat code by investing in yourself and education plus so much more Join the Journeyer Launch Club for more tips, tools and resources to help you on your journey to Financial Freedom! Other related blog posts/links mentioned in this episode: Naseema’s first JTL interview Episode 16 Timika’s first JTL interview Episode 30 Julien & Kiersten’s first JTL interview - Episode 43 Black Fire series Part 1 & Part 2 Join  The Journeyer Launch Club Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link . Connect with Carmen: Website Instagram: @makerealcents T

S1 E84 · Wed, February 13, 2019

084- How To Achieve A Work-Optional Life & Retire Early with Tanja Hester

How do you create a life where work is optional? Are you interested in early retirement but not a fan of super frugality? On today’s podcast, I have Tanja Hester, creator of the Our Next Blog, who retired early at the age of 38 to talk about her new book, Work Optional, where she answers those questions and more.   In this episode we discuss: The three stages of work optional living; full early retirement, semi-retirement & career intermission The concept of Hedonic Adaptation and how it impacts the way we spend money Why we should all have a money mission statement Tanja’s genetic disability and how it impacts her drive to live her best life Different options for health care coverage for early retirees plus so much more I’m also excited because I’m giving away a copy of Tanja’s new book, Work Optional, to lucky listeners of the podcast. You can enter to win by clicking here. Join the Journeyer Launch Club for more tips, tools and resources to help you on your journey to Financial Freedom!   Other related blog posts/links mentioned in this episode: Get the book Work Optional Download the Work Optional Questionnaire Early Retirement Now Blog Join  The Journeyer Launch Club Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link . Connect with Tanja: Instagram: @our_nextlife Twitter: @our_nextlife <a href="https://www

S1 E83 · Wed, February 06, 2019

083- It’s My Birthday! How I’m Leveling Up & Things I’m Focusing On This Year

It’s my birthday, so today’s episode is going to be a personal one. I’m going share how I plan on getting to the next level in my personal development and entrepreneurial pursuits and how you can do the same. Plus, I’ll be talking about some of my goals and what I want to focus on this year. If you want to give me a birthday gift, simply share the podcast with someone or on your social media! Also, don’t forget to check out the Journeyer Launch Club  for the tips, tools and extra content to reach your financial goals! Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group

S1 E82 · Wed, January 30, 2019

082- Your Guide to Financial Freedom & Having All The Money You Will Ever Need with Grant Sabatier

Happy to have Grant back on the podcast to discuss his new book Financial Freedom- A Proven Path to All the Money You Will Ever Need. Grant was first on episode 48 of the podcast and now he’s back to break down some of the best concepts from his new book. Watch the interview here:  https://youtu.be/U_g5ONzdJy4 I’m also excited because I’m giving away 3 copies of the book to lucky listeners of the podcast. You can enter to win by clicking here . Join the Journeyer Launch Club for classes, tools, resources and the community support you need to reach Financial Independence Other related blog posts/links mentioned in this episode: Get the Financial Freedom book - Financialfreedombook.com (available for pre-order now and in stores February 5th) Check out some of the tools from the book https://financialfreedombook.com/tools/ Listen to Grant’s first interview on the Journey To Launch podcast Join  The Journeyer Launch Club Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link . Connect with Grant: Grant's Website Instagram: @financialfreedom Instagram: @millennialmoneycom Twitter: @millennialmoney Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch<

S1 E81 · Wed, January 23, 2019

081- Atomic Habits: How Tiny Changes Spark Remarkable Results with James Clear

If you are wondering how it is that you can create better habits in your life and get rid of the habits that you know are holding you back, you are going to love my chat with bestselling author James Clear on his latest book Atomic Habits. The book is a guide on how to change your habits and get 1% better every day. In this episode we discussed: The importance of habits in our lives How meaningful changes yield radical results Why we should focus on identity-based habits vs outcome based habits The framework of Cur, Craving, Response & Reward and how to use it to create good habits and break bad habits Why it’s important to take small steps toward building better habits plus so much more Join the Journeyer Launch Club for classes, tools, resources and the community support you need to reach Financial Independence   Other related blog posts/links mentioned in this episode: Join  The Journeyer Launch Club Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link . Connect with James: James's Website Atomic Habits Facebook: James Clear Instagram: @james_clear Twitter: @jamesclear Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group

S1 E80 · Wed, January 16, 2019

80- Finding Joy, Wealth & Freedom on Your Journey To Financial Independence with Kerry Ann Rockquemore

In this episode, I’m talking to Kerry Ann Rockquemore from the blog thebestchapter.com. Kerry Ann and her husband were able to retire early at 46 years old and have reached Financial Independence. Through their journey, they have found a way to find joy, wealth and freedom and now Kerry is helping us find the same. In this episode we discussed: What prompted Kerry Ann and her husband to pursue Financial Independence The things they did and implemented to help them on their journey Why Kerry Ann walked away from a job that she loved What the lifestyle is like in the early retirement and what they do on a day to day basis How to plan for a great year and the importance of joy habits plus much more Join the Journeyer Launch Club for classes, tools, resources and the community support you need to reach Financial Independence Other related blog posts/links mentioned in this episode: Annual Planning That Works One Word Why Retire From A Job You Love Vicki Robin interview on the Journey To Launch Podcast Join  The Journeyer Launch Club Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link . Connect with Kerry Ann: Instagram: @runningintofire Kerry Ann's Website Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch <a href="https://www.facebook.com/journeytolaunc

S1 E79 · Wed, January 09, 2019

How To Earn More Money & Live in Abundance with Amanda Abella

In today’s podcast episode, I had the pleasure of talking to Amanda Abella who started her entrepreneurial career as a freelance writer and later pivoted to teaching business owners how to earn more. Featured in Forbes, The Huffington Post, Inc, and Business Insider, Amanda Abella is a Latina millennial money expert who has created an online community where millennials can learn how to make money online and actually enjoy their financial journeys. Amanda and I talk about so many things including: How Amanda doubled her income in her business in one year How to change our mindset from a scarcity mindset to an abundance mindset Why we should focus on earning more and increasing our income How to let go of old money beliefs Why taking personal responsibility and having a commitment to yourself is important to improving your finances How to implement an abundant mindset in your business and entrepreneurship ventures plus more Join the Journeyer Launch Club for classes, tools, resources and the community support you need to reach Financial Independence     Other related blog posts/links mentioned in this episode: Overcoming Underearning by Barbara    The Successful Mind Podcast by David Nagel Join  The Journeyer Launch Club Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link .   Connect with Amanda: Instagram: @amandaabella Twitter: @amandaabella <a href="https://www.facebook.c

S1 E78 · Wed, January 02, 2019

78- Ten Tips And Strategies To Help You On Your Journey To Financial Freedom

Happy New Year! In this week's episode, I'm sharing the 10 tips and strategies for you to implement on your journey to Financial Freedom so that you can reach all your goals and more this year and beyond.  Here is a list of the 10 things to do help you succeed on your Financial Freedom journey. For more details on each point, take a listen to the podcast.  Find a support network Find something to keep you occupied in the meantime Don’t judge others who are not on the path or who have a different path Don’t give up and push through the doubt Dream big - reprogram, reframe and make the abnormal normal Create a better relationship with money Don’t make excuses or complaints Don’t compare your journey to others Practice integration and execution Be disciplined and be courageous Join the Journeyer Launch Club for classes, tools, resources and the community support you need to reach Financial Independence   Other related blog posts/links mentioned in this episode: Join  The Journeyer Launch Club Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link .   Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group

S1 E133 · Tue, January 01, 2019

You Can’t Afford the Luxury of a Negative Thought, 2020 Here We Come!

In 2020, you cannot afford the luxury of a negative thought. This is just one of the amazing takeaways I discovered in my latest read, You Can’t Afford the Luxury of a Negative Thought: A Book for People with Any Life Threatening Illness--Including Life . This podcast episode will arm you with confidence, motivation, and knowledge to have your best year yet!  Reaching  a goal starts in the mind. Therefore, negative thoughts are too expensive and could cost you your dream or your purpose. In this week’s episode I share 13 takeaways from this book, as well as, my thoughts on how you can stay motivated to create and accomplish your goals in 2020.  In this episode you will learn: The power of positive thinking and how to combat negative thoughts What it means to take responsibility How to be open to all methods and schools of thought Ways to combat fear How preparing for death is actually living and so much more Other related blog posts/links mentioned in this episode: If you enjoyed these takeaways, check out the book by John Roger and Peter McWilliams. I use Michael Hyatt’s Full Focus Planner to keep me focused so I get things done. If you are looking for a planner consider using this one . Check out the other tools that help me with my finances and business here .  Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The  Weekly Newsletter List<

S1 E77 · Wed, December 26, 2018

2018 Year End Review & How I’m Making 2019 My Best Year Yet (Plus Tips For You To Do The Same)

2018 was a year of major growth and transitions in my business and personal life. I quit my job, had my third baby and jumped feet first into entrepreneurship full-time. In this week's podcast episode, I'm reviewing some of the goals I met in 2018, what I learned this year and what I'm looking forward to in 2019. I'm also sharing tips and strategies that you can apply to your own life and finances so that you can set yourself up for your best year yet too! Join the Journeyer Launch Club for classes, tools, resources and the community support you need to reach Financial Independence   In this episode we discuss: What I accomplished and what I learned Things I'm looking forward to and planning for in 2019 How to make 2019 your best financial year yet   Other related blog posts/links mentioned in this episode: Check out The Journeyer Launch Club Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link .   Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group

S1 E76 · Wed, December 19, 2018

How We Can Find Strength, Truth & Joy In Our Relationship w/ Money With Lynne Twist

We all have some sort of relationship to money. Most of us, unfortunately, are enslaved to money.  What if, just by healing our relationship with money, we could transform our relationship in life? In this week’s episode, I’m speaking with Lynne Twist, the author of The Soul of Money where we discuss how we can find strength, truth and joy in our relationship to money. In this episode we discuss: The powerful grip that money has on our lives Why budgeting and financial planning is more about wisdom What is the soul and how does it relate to money? What it looks or feels like when a person is in harmony with the way they view, earn and spend money What it means to take a stand and the money will follow How practicing gratitude allows us to receive more in our lives plus so much more     Other related blog posts/links mentioned in this episode: Soul of Money Institute:   https://soulofmoney.org/ Pachamama Alliance: https://www.pachamama.org/ The online course information is on the “Learn & Engage” page, Lynne suggested you looking at Awakening the Dreamer, Game Changer Intensive and Drawdown: https://www.pachamama.org/engage Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link .   Connect with Lynne: Facebook: The Soul Of Money Institute Twitter: @lynne_twist Instagram: Soul Of Money LinkedIn: lynnetwist   Connect with me: Instagram: @journeytolaunch <a href="https://twitter.com/journeytol

S1 E75 · Wed, December 12, 2018

75- An Interview With My Mom & How She Prepared Me To Prosper

This is my most important and special interview to date. It's with my Mom. I talk about her so much on the show and in every interview I do so why not give you the opportunity to hear from her yourself. I give her all the credit for the person who I am today. She put me in this amazing position to prosper despite the fact that she didn't have much and had me as a young mom. In the episode, we talk about: How she had me at 20 years old and had to leave me behind as a baby in Jamaica while she came to USA to look for more opportunities How she made a way for herself in NYC without having any money or knowing much Why she focused on education as a means to get out of poverty The characteristics she instilled in me and the lessons she taught to me growing up The fact that she taught me the importance of saving but never really taught me about managing money The many ways she helped me financially even though it meant sacrificing her own goals Plus so much more   This episode was sponsored by Prepare to Prosper a campaigned by Wells Fargo designed to build financial capability and help address the African American wealth gap.  To check out their free resources, go to wellsfargo.com/financial-education   Also, check out the Journeyer Launch Club to join other Journeyers just like yourself who are on the path to launch to Financial Independence!   Other related blog posts/links mentioned in this episode: The doors for the Journeyer Launch club are now open! Join us here Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 My One on One Money Coaching Services  – Get my personalized 1on1 money coaching expertise to help you reach your financial goals YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my <a href= "https://www.youneedabudget.com/landing/journey-t

S1 E74 · Wed, December 05, 2018

74- The Impact of Income, Privilege & Race on the Path To Financial Freedom

Does your income matter when it comes to being able to reach Financial Freedom/Financial Independence? How big of a role does privilege play in being able to reach your goal and does everyone benefit from having privilege? How do race and socioeconomics play into the wealth journey? I’m talking about these topics on today's episode and would love to hear what you think too.  Also, I’ve been dreaming of, talking about and wanting to create a transformative online community space for Journeyers for a while now and I’m so happy to announce that it’s finally here! If you have a desire to reach Financial Independence/ Financial Freedom, enjoy the podcast or appreciate my approach to finances, then you have a place in the Journeyer Launch Club . The Journeyer Launch Club is a community of Journeyers providing the support, accountability, and tools to help each other  reach our financial goals and live our best lives. The doors are now open for the BETA launch Perks of joining include:  💥 Online Community Vibrant Space  💥 Monthly Virtual “Launch” Parties  💥 Podcast After-show where we connect with your fav podcast guests and get bonus content from the podcast  💥 Online classes on different personal finance topics  💥 Plus so much more! Join us in the launch club before the price increases in a few days!    Other related blog posts/links mentioned in this episode: Investopedia Article - Which Income Class Are You   Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! <a href= "http://bronx.news12.com/category/328482/making-cents-with-k

S1 E73 · Wed, November 28, 2018

73 - Journeyer Profile Kari Lorz Finding Her Way to Financial Independence While Building a Financial Safety Net For Her Special Needs Daughter's Future

The journey to Financial Independence can be a tough one that is full of ebbs and flows. I believe that it is so important that we share our stories to inspire others that may be experiencing some of the same challenges that we have. That is why I started the Journeyer Profile Series where I’m talking to my listeners and the people in my community about their path to FI. In this week’s episode, I’m speaking with Kari Lorz, who is not only making strides towards establishing financial independence with her husband, but she is also building a financial safety net for her 2 year old daughter to fall back on in the case that she cannot do for herself; as she is ailed by Cerebral Palsy. Keep reading and listen to this week's show to learn more about her story. If you would like to be considered to be a journeyer for the Journeyer Profile Series go to  www.journeytolaunch.com/journeyerprofile   When did you discover FI?   I've been really into finance for 4 years, but not until maybe 8 months ago did I discover FI. In the beginning, it was couponing, heavy comparison shopping, then Dave Ramsey, then retirement planning and then I finally found out about FI. Whew!     Why are you pursuing FI? What's your WHY? My main goal with FI is to be able to have enough of a financial cushion so I can stop working to help take better care of my daughter and do better self-care. Right now I am frazzled, not healthy, and always worried. I need to do better, I have to do better! My daughter is almost 3 yrs old and since birth she has had significant physical delays, we're almost certain that a diagnosis of Cerebral Palsy will be given. So in talking about FI & my daughter, I need to have more time to help take care of her, specifically, do more home physical therapy, & more hands-on time. Right now it's the typical working mom scenario; laundry, groceries, cleaning, taking care of all the finances, oh and working with an hour commute each way. It's exhausting, so when I am home I'm tired and doing all the regular home stuff, it's hard to do everything and be a physical therapist. I have a great husband and he takes on a lot but he also works full time and is in the National Guard. For Lilia we have also set up an ABLE account, it was originally a college 529 account that we started at birth, but in her situation we decided an ABLE account was better (you can use it for a lot more things than a 529, basically anything that improves her quality of life will count). We're not quite sure what her earning potential will be in the future, so we want to get as much of a cushion as we can for her together to help her.   What's your FI number? and/or overall FI goal? (if you don't know input n/a) Lean FI would be $1.2M and fat FI would be $1.8M but I'd feel better with $2 - then we could go to DisneyWorld more! I'd like

S1 E72 · Wed, November 21, 2018

72- How Pursuing Financial Independence and Sustainable Living Go Hand in Hand with Catherine Agopcan

At some point or another we've all said to ourselves "I have way too much STUFF!". If you haven't yet, consider yourself ahead of the game as we discuss sustainability and financial literacy with this week's guest, personal financial educator and sustainability advocate Catherine Agopcan. After much trial and error, she arrived at the conclusion that too much stuff was bad for the wallet and the planet. She is now on a mission to show others that caring for the environment and seeking financial independence go hand-in-hand. She is the founder of Sisters for Financial Independence and The Do Something Project, which provides resources to empower women to start owning their finances in pursuit of financial independence. The Do Something Project is dedicated to a well-lived life full of adventure and good health by following the tenets of minimalism and eco-friendly living. In this episode we discuss: The switch from believing money is bad & not in line with minimalism to viewing money in a positive way Why Zero waste is not possible but we should still attempt it How looking out for the planet helps our financial pursuits Small steps we can start today to be more responsible with the way we consume, live, and invest Why you should choose hobbies and pursue interests to help build your skill set The hard truths of minimalism and decluttering   This episode is sponsored by the Financial B.O.S.S. toolkit:  The Financial B.O.S.S. Toolkit is jam-packed with e-books and video courses to help you with credit, saving, budgeting, investing and more! The Financial B.O.S.S. Toolkit brings together 20 products worth over $1500 to help level up your finances, for a limited-time investment of $197. Get started with the Financial B.O.S.S. toolkit  here Other related blog posts/links mentioned in this episode: B Corp - certifying companies meeting environmental, social, transparent and accountability standards like Patagonia ESG (Environmental, Social, Governance) - I personally use Fidelity and here's how they use ESG for their funds . BankLocal - Find a local bank that reinvests in the community More info on Zero Waste Other options for local investing via Locavesting Swell Investing - investing in companies solving today's problems with thematic portfolios on Clean Water, Zero Waste, Renewable Energy, etc. Join The <a href="https://www.journeytola

S1 E71 · Wed, November 14, 2018

071- The Business of Money with Farnoosh Torabi

The road to financial literacy can be a daunting journey, especially when you're 22 years old, $30,000 in debt, and making $18 an hour while living in the most expensive city in America (NYC). This is where this week's guest Farnoosh Torabi found herself before becoming one of the leading personal finance authorities hooked on helping young professionals navigate their finances and live their richest, happiest lives. From her early days reporting for Money Magazine to hosting a prime-time series on CNBC and writing monthly for O, The Oprah Magazine and Mint.com, she’s become a favorite go-to money expert. In this episode we discuss: How she ended up choosing to go into the money business Her long-standing career in personal finance The common themes and issues that she’s seen in finances over the years Her thoughts on the FIRE movement Why you should choose hobbies and pursue interests to help build your skill set Why she’s also now dabbling in comedy Other related blog posts/links mentioned in this episode: Get a copy of Farnoosh's most recent book - When She Makes More  Listen to my episode on the So Money Podcast  Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 My One on One Money Coaching Services  – Get my personalized 1on1 money coaching expertise to help you reach your financial goals YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link .   Connect with Farnoosh: www.farnoosh.tv Listen to the So Money Podcast Instagram: @Farnoosh Torabi <a href="http://www.fa

S1 E70 · Wed, November 07, 2018

070- Tiny Home Living w/ Jewel Pearson & Why You Don’t Have To Give Up Luxury To Go Tiny

Simplicity and the concept of ‘less is more’ can be beneficial in much more than finance. The new tiny home movement has proved to be a great new option for a lot of families that are looking to live a simpler, more abundant life. This week’s guest, Jewel Pearson, is not only a tiny homeowner but she is also an advocate and community leader that shares her tiny living experiences and assists others in achieving their tiny living dreams. Over the course of a decade, Jewel worked toward downsizing her life and in 2015 she built the tiny home of her dreams in Charlotte, North Carolina. Her 360 sq ft home has been featured on HGTV’s shows “Tiny House, Big Living” and “How Are They Now” and has been featured in several other media outlets. As a proud supporter of tiny living and the simpler lifestyle that it offers, she provides support through her consulting services and workshops that she teaches around the country. Jewel has also founded the Tiny House Trailblazers; a duo collaboration of powerful and uniquely talented women of color who together are a strong representation and voice for diversity and inclusion within the tiny house movement. In this episode we discuss: Why everyone should redefine or rather choose for themselves what tiny living means The misconception some people have that living in a tiny home means you sacrifice quality, luxury, and design & why tiny living does not mean “small living” How downsizing and living this life helped Jewel to live her life fully and abundantly What Jewel’s life was like before the tiny home and what prompted the change The mental and physical steps it took to actually make the changes she needed to move into her home Tiny living with a family How to start the tiny living process Jewel’s mission to bring the tiny home movement to more people of color and some of the racism she has experienced in the community The different tiny home options Factors to consider in making the transition to tiny home living Range in cost for tiny homes? Jewel’s thoughts on the FIRE (Financially Independent, Retire Early) movement   Other related blog posts/links mentioned in this episode: Tiny House Communities Info Tour of Jewel's Tiny House -(more updated pics available on social media sites) Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! <a href= "http://bronx.news12.com/category/328482/making-cents-with-kristie" rel="noop

S1 E69 · Wed, October 31, 2018

69- Single Mom Takiia's Amazing Story: How She Went From $100,000 in Debt to $500,000 in Savings

Getting rid of six-figure debt is no easy feat but Takiia Anderson, the voice behind The Frugal Biddy, is proof that it can be done. After graduating from law school, Takiia had accrued more than $150,000 of debt. As the single mother of a 2-year-old little girl making only $34,000 a year, she knew that something had to change. Takiia went on to save over $500,000 and pay for her daughter’s college education at the prestigious Spelman College. She shares all of her tips, tricks, and personal finance advice on her blog, The Frugal Bitty. In this episode we discuss: The overall steps Takiia took to go from debt to having a large savings today The things that she gave up to pay off her student loan debt Her decision to save for her daughter's college costs while still being in debt Takiia’s plan for investing when she first opened her daughter's college saving account Why she stopped investing in retirement to save for her daughter's college education The money lessons that she taught her daughter Passing on generational wealth and not generational debt   Other related blog posts/links mentioned in this episode: Single Mom Masterminds 700,000 Swing From Debt to Savings   Frugal Biddy- Pass on Generational Wealth Not Generational Debt   Fugal Biddy-  Mental Health Savings Plan   Search for jobs as a contract attorney  Indeed Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 My One on One Money Coaching Services  – Get my personalized 1on1 money coaching expertise to help you reach your financial goals YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my <a href= "https://www.youneedabudget.com/landing/journey-to-launch/?utm_medium=affiliate&utm_source=jo

S1 E68 · Wed, October 24, 2018

68- A Modern Woman's Guide to a Wealthy Life w/ Brynne Conroy

While reaching FI and building wealth could be a challenge for anyone, there may be certain factors that create different challenges for women on their journey than men. This week’s guest, Brynne Conroy, is the creator of the twice-nominated Best Women's Finance Blog, Femme Frugality and she is a huge proponent of overcoming the obstacles that women face while trying to reach their financial goals. In her brand new book, The Feminist Financial Handbook, Brynne presents a feminist view on finances relevant to a post-Recession economy that caters to women at any point on their financial journey. Also, check out how you can win a copy of Brynne's book, The Feminist Financial Handbook here In this episode we discuss: Brynne’s passion for the feminist side of finances The factors make women reaching FI different from men reaching FI How society's standards and expectation "hurt" women on this journey The different judgments and factors in being the modern day woman that has it all The concept of money not being the end goal or what really makes you happy How one can find their contentment level or peak money happiness and why it's so important to find How to find meaningful work now while on the journey to getting it together and reaching our goals The importance of men hearing the feminist financial message Overall tips for women who are on this path of Financial Freedom to succeed Other related blog posts/links mentioned in this episode: Get a copy of Brynne’s book - The Financial Feminist Handbook Carol Graham  & her findings on Happiness  Helene Massicotte  - Free To Pursue Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 My One on One Money Coaching Services  – Get my personalized 1on1 money coaching expertise to help you reach your financial goals YNAB  –  Start managing your money and budgeting so that you can reach your financial d

S1 E67 · Wed, October 17, 2018

67- Listener Q&A: Paying off $100,000 student loan or investing, handling daycare expenses, preparing for a big career change and more

(This post may include some affiliate links) Trying to manage all of your expenses, eliminate debt, and invest, all while pursuing Financial Independence can be quite tricky. For this week’s episode, I am having another listener Q & A where I answer questions to help you on your Financial Freedom journey. In this episode I answer the following: Should I focus on paying off $100,000 student loan debt even though I’m in the Public Service Loan Forgiveness (PSLF) program or invest? Investing in pre-tax retirement accounts like a 401K, 457 or 403B plan vs a Roth IRA How to handle $1,200 a month daycare expenses on the journey to Financial Independence? Things to consider when making a big career change. Should you focus on investing more, paying off the house or saving more cash? How to determine if it makes sense to take legal action against a company to win money in a lawsuit? At the end of the episode, I also share why I believe that you should never compare your journey to anyone else's. Other related blog posts/links mentioned in this episode: More about the 25x rule and 4% rule to figure out how much you need saved to reach your Financial Independence number Public Service Loan Forgiveness (PSLF) program tips and advice 5 Retirement Accounts You Should Know About Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 My One on One Money Coaching Services  – Get my personalized 1on1 money coaching expertise to help you reach your financial goals YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my <a href= "https://www.youneedabudget.com/landing/journey-to-launch/?utm_medium=affiliate&utm_source=journeytolaunch.com&utm_campaign=journeytolau

S1 E66 · Wed, October 10, 2018

66-Build Extraordinary Wealth & Become a Millionaire w/ Chris Hogan

(This post may include some affiliate links) This week’s episode was recorded at FinCon, the world’s largest financial content expo that brings together more than 2,000 digital content creators/influencers and brands in personal finance and investing. I was very excited to attend my 2nd FinCon and I am happy to say that I had another great experience. I got to hang out with fellow money nerds, past guests and even some Journeyers who listen to the podcast. While I was there, I had the chance to speak with Chris Hogan, a financial speaker for Dave Ramsey’s Ramsey Solutions. As a former football player and business consultant, Chris found his passion in finance after he took a strong interest in the financial crises of his clients.  Chris is a dynamic speaker that speaks on financial subjects such as mortgages, healthcare and investing. It was great to be able to hear his ideas on building wealth and achieving financial goals. (Pre-order Chris' new book, Everyday Millionaires and get all the bonuses that Chris mentions in the episode here ) In this episode we discuss: How a background in sports and coaching helped mold his winning mindset Why becoming a millionaire all starts with belief The qualities of everyday millionaires The 5 things millionaires embody, have and do The myths of the wealthy and demystifying millionaires The important distinction between a million in  income and a million in net-worth How fear and apathy keep people stuck from reaching their goals My experience at FinCon, networking tips and how to get the most out of conferences. Plus the growth I’ve seen since the last FinCon Other related blog posts/links mentioned in this episode: Pre-order Chris' new book, Everyday Millionaires and get all the bonuses that Chris mentions in the episode here Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 My One on One Money Coaching Services  – Get my personalized 1on1 money coaching expertise to help you reach your financial goals Y

S1 E65 · Wed, October 03, 2018

65- Spark Joy and Abundance in Your Life Using the KonMari Method w/ Kristyn Ivey

Consumerism and the desire to accumulate 'things' can be one of the greatest threats to achieving Financial Independence. One of the best ways to combat this and the clutter that results is to lead a more organized lifestyle that is fueled by the things that bring you joy. This is the main principle behind the KonMari™ organization method. This week, I am speaking with Kristyn Ivey, the founder of For the Love of Tidy and Chicago’s first certified KonMari™ consultant. Kristyn is also on the journey to FI and she has made several interesting connections between tidiness and personal finance.  With a background in both engineering and interior design, Kristyn has made it her mission to teach families and professionals how to let go of “stuff” to attract a truly abundant life. In this episode we discuss: How becoming more organized and tidy can lead someone to focus and find their passion and pursue big changes in their lives The finance/organizing connection The KonMari method and the art of tidying up Finding Freedom through KonMari Using the concept of “what sparks joy” to our budgets and therefore prioritize what and how we spend/save The relationship of clutter and spending more on rent/mortgage Incorporating tidy habits for those that are not naturally tidy Kristyn’s FI journey Other tidiness and organization tips Other related blog posts/links mentioned in this episode: For The Love of Tidy Finding Freedom Through KonMari The Spark Joy Podcast Get the Book: The Life-Changing Magic of Tidying Up Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 My One on One Money Coaching Services  – Get my personalized 1on1 money coaching expertise to help you reach your fin

S1 E64 · Wed, September 26, 2018

64- Your Guide to Becoming a Minimalist & Simplifying Your Life w/ Joshua Becker

Minimalism, the practice of simplifying your life by living with fewer possessions, is a lifestyle choice that fits perfectly within the journey to Financial Independence. The concept of "quality over quantity" and "less equals more" allows you to spend and consume in ways that are in alignment with your life and financial goals.  This week’s guest is Joshua Becker, a best-selling author and the Founder and Editor of Becoming Minimalist. Joshua has become one of the leading voices in the modern simplicity movement reaching over 1 million readers every month. Through the use of his platform, Joshua inspires others to pursue their greatest passions by owning fewer possessions. In this episode we discuss: Joshua’s epiphany moment of clearing out his garage How he began to make the necessary adjustments to his life How owning less stuff leads to more time, more energy, more freedom, etc. The differences in decluttering, organizing, de-owning, simplifying The importance of de-owning How to simplify your time (let go of overwhelm) How to implement being a minimalist if you have children How thoughtful consumption and consumerism with the idea of owning less and the FIRE movement go hand in hand Sign up for Joshua's new quarterly magazine Simple Money here Other related blog posts/links mentioned in this episode: The 10 Most Important Things to Simplify In Your Life 15 Clutter Busting Routines for Any Family Don't Just Declutter De-own Simplify Magazine Sign up for the Simple Money Quarterly Magazine here The More of Less: Finding the Life You Want Under Everything You Own  Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! <a href= "http://bronx.news12.com/category/328482/making-cents-with-kristie" rel="noope

S1 E63 · Wed, September 19, 2018

63- Journeyer Profile - Lynn Amores How a Massive Stroke Almost Derailed Her Journey To Financial Independence

The journey to Financial Independence can be a tough one that is full of ebbs and flows. I believe that it is so important that we share our stories to inspire others that may be experiencing some of the same challenges that we have. That is why I have started the Journeyer Profile Series where I'm talking to my listeners and the people in my community about their path to FI. In this week’s episode, I’m speaking with Lynn who suffered a massive stroke at age 43 that almost completely derailed her journey to FI and she has an amazing story to share. Take a look at Lynn’s Journeyer Profile below. If you would like to be considered to be a journeyer for the Journeyer Profile Series go to  www.journeytolaunch.com/journeyerprofile   Other related blog posts/links mentioned in this episode: Check out the Budget BootCamp   Be featured as a Journeyer on the podcast and site Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 My One on One Money Coaching Services  – Get my personalized 1on1 money coaching expertise to help you reach your financial goals YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link . Connect with Lynn: Lynn's Blog-Holistic Doctor Mom Lynn's Etsy Shop Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To La

S1 E62 · Wed, September 12, 2018

How Allison & Matt Left Their Jobs Behind To Travel the USA in a Van

Financial Freedom takes on several different forms and for today’s guests, Matt and Alli Owen, it means taking a mini-retirement and traveling the US in their red Sprinter Van, Clifford. Burnt out and struggling with depression and anxiety from living the traditional 9 to 5 lifestyle, the Owens decided to walk away from their 6-figure jobs and live life on their own terms. After saving 70% of their income over the course of 4 years, Matt and Alli were able to create the lifestyle that they truly enjoy. Today, Matt and Alli share their experiences on their journey to FI on Owen Your Future , their finance and personal development blog. In this episode we discuss: Life before the van life Matt and Alli’s careers Walking away from 6 figure incomes How living the 9-5 life left them feeling stuck and led to anxiety and depression How the Owens prepared financially How they saved 70% of income over 4 years Finding the courage to make such a big life change Why they chose Sprinter Van over a Camper or Tiny House or RV and the cost to buy the van and fix it up Resources for people that may want to fix a van to live a similar lifestyle Their monthly expenses The Owens’ future lifestyle plans Valuing experiences over things At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018. Also, Journey To Launch was nominated at the 9th Annual Plutus Awards for Podcast of the Year & the Community Builder Award! Other related blog posts/links mentioned in this episode: Freecampsites.com Medishare.com The Owen's YouTube Channel Van Tour: Two Engineers build a Pinterest Inspired Custom Sprinter Van in 6 Weeks 3 Step Process to Financially Preparing for Van Life Get the Owen’s 10 Minute Money Checklist Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!

S1 E61 · Wed, September 05, 2018

I QUIT My Job: Why & How I Quit My 6-Figure Job & How This Affects My Journey To Financial Independence

When I first started Journey To Launch, it was primarily to chronicle my journey to launch to Financial Independence. I had no way of knowing then, that today, this very same outlet that helps me share my journey and connect with so many people would cause the biggest detour on my Financial Independence path. Being able to do something I love and potentially make a living from it has allowed me to reach my dream of freedom way earlier than I could have ever expected. While striving to reach the ultimate goal of financial independence, I’ve found a way to achieve a freedom today that I would not have otherwise have known. On today’s podcast, I’m talking about: How I came to the decision to quit my 6-figure job Why I decided now was the best time to walk away How this changes my Financial Independence journey The financial, mental & emotional things I did to prepare for this big life change Future plans for me and Journey To Launch At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018.   Other related blog posts/links mentioned in this episode: Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 My One on One Money Coaching Services  – Get my personalized 1on1 money coaching expertise to help you reach your financial goals YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link .  

S1 E60 · Wed, August 29, 2018

How 22-Year-Old Cody Berman is Making His Way Towards Financial Independence

As parents, the financial example that we set for our children can have a profound impact on their financial future into adulthood. Cody is the personal finance blogger behind Fly to FI and he is going against the grain and making his way towards Financial Independence as a young adult. Growing up, Cody’s parents taught him to live a lifestyle of frugality and to value saving which gave him a great head start for the future. As a high school student, Cody quickly grew to understand the value of education. He became one of the top students in his High School graduating class and he even earned college credits. He then went on to college and he pursued a degree in finance. Upon discovering The 4-Hour Workweek by Tim Ferris, Cody’s dreams to spend his life working a fast-paced finance career that would require working long hours began to change. Today, Cody is the proud owner of a disc golf company and he shares all of his financial beliefs and ideas on his blog, Fly to FI. As a young entrepreneur and blogger, Cody has made it his mission is to improve financial literacy and change the world for the better. In this episode we discuss: The things that Cody’s parents did to give him a head start What Cody did in high school to put himself ahead in your college classes and not needing college loans. Cody’s full-time work and current side hustles His current saving/investing strategy Using side hustles and real estate as a means to fund your lifestyle and work your way to your FI goal. Why Cody made that decision to forgo working vs leaving early and hustling in the near term What gave him this confidence and know how to even attempt achieving FI Cody’s advice for parents who want to instill these lessons for their kids At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018. Other related blog posts/links mentioned in this episode: Scholarships-Scholly.com Scholarships-Scholarships.com Cody's golf company Check out Cody's podcast Fire Below Zero  Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voice

S1 E59 · Wed, August 22, 2018

Exploring the Personal Finance Crisis w/ Elizabeth White Who Was 55 & Faking Normal

Ideally, retirement is the event that allows for working men and women to shift their working lifestyle to a lifestyle of relaxation and enjoyment. The truth of the matter is that so many Americans, nearly one-third of those aged 55-64, have little to no savings and are unable to support themselves during their time of unemployment. Even with the median retirement account valued at more than $100,000, this is still not enough to maintain the living expenses of a person living the average lifespan of 80 years. Elizabeth White, an author and aging solutions advocate, shares this experience in hardship and has made it her mission to educate the world on the personal finance crisis. Two years ago, Ms. White wrote an online essay that depicted the financial plight of boomer-aged Americans and her story resonated with so many. The overwhelming response to the essay led her to write her book, Fifty-five, Unemployed, and Faking Normal, which tells the story of the millions of older Americans who, despite a history of career choice and decent incomes, are facing the prospect of downward mobility in old age. Today, Ms. White has sparked a national conversation, has delivered an impactful TED Talk and has been recognized as one of the Top 50 influencers on aging. In this episode we discuss: Ms. White’s story and her famous TEDx Talk Her financial mistakes and lessons learned The individual isolated behavior vs systematic factors that have led us to this point of the retirement crisis.  (The 7.7 trillion retirement GAP) The 3-legged retirement income stool- (the savings, pension and social security) and why it is so wobbly/broken Advice for older adults reaching retirement and advice for younger adults Resilient circles and how people can form them in their lives The concept of ‘Smalling-up’ What it means to have a richly textured life The changes Ms. White would have made her to habits and choices pre-retirement Her thoughts on the FIRE movement   At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018. Other related blog posts/links mentioned in this episode: 55andFakingNormal.com YouTube Video of TEDx Talk Fifty-five, Unemployed, and Faki

S1 E58 · Wed, August 15, 2018

How To Live a Luxurious Life Without Sacrificing Your Financial Goals w/ Luxe Strategist

Being on the journey to Financial Independence doesn’t always mean that you have to sacrifice the finer things in life. The Luxe Strategist, a personal finance blogger, is a 30-something New Yorker that saves half of her income and still enjoys the comfort of luxury items and deluxe travel. Growing up as the child of low-income refugees, The Luxe Strategist knew struggle and hardship all too well. As an adult, she made the decision to paint her own picture of what it means to be financially savvy and successful. Today, The Luxe Strategist proudly boasts hefty savings, trips to places like Paris and Hawaii, sporting $400 sneakers, and she shares every bit of her personal finance journey on her blog, The Luxe Strategist. In this episode we discuss: What motivated her personal finance journey. Her love for and "luxury"/nice things? Having nice things and still being financially responsible How to evaluate making luxury purchases What puts her in the position to be able to make luxury purchases How The Luxe Strategist resells clothes for extra income and how you can get started. How she saved half of her income on less than 6-figures How to find the threshold for saving as much as you can until it hurts (using paycheckcity and other methods) How The Luxe Strategist saves money in an HCOL Whether or not FI is a goal for her Check out the sponsor for this episode, YNAB and sign up for a  free 2-month trial ! At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018. Other related blog posts/links mentioned in this episode: The Luxe Strategist Blog The Luxe Strategist's plan to purchase a Cartier Tank Watch How Luxe Strategist saved half of her income on a less than 6-figure salary Paycheckcity.com Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast

S1 E57 · Wed, August 08, 2018

Money Lessons from 4x Olympian Lauryn Williams

Finding the perfect resource for sound financial advice can be a challenge for people from all walks of life. 4-time Olympian, 3-time Olympic medalist, Lauryn Williams understands this challenge completely. As the first American woman to medal in both the summer and winter games, she possessed the skills that led her to be a top class world class athlete but she didn't always know how to manage her money and made some mistakes along the way. She sought the financial advice of loved ones and financial advisors but they were unable to provide the help that she needed. In true Olympian fashion, Lauryn took matters into her own hands and worked hard to gain control of her finances. Using the skills and knowledge that she gained from earning her Finance degree and MBA, Lauryn decided to use her talents to help other athletes and young professionals. Today, Lauryn has a Certified Financial Planning certification and has founded Worth Winning, a financial planning resource for young adults. Worth Winning offers virtual services to help young professionals get the answers to the financial questions that matter most to them. This episode was recorded live at Podcast Movement 2018. At the end of the podcast, I give you a little of the behind-the-scenes of how I ended up speaking at Podcast Movement 2018 and my overall experience at the conference. In this episode we discuss: Lauryn’s background How she became an Olympian at 20 years old Her not so good experience working with financial advisors in her pro athlete career The steps she took to get back in control of her finances Why she decided to start her own financial planning firm plus so much more At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018. Other related blog posts/links mentioned in this episode: Worth Winning Listen to Lauryn's podcast Worth Winning  Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 <a href="https://www

S1 E56 · Wed, August 01, 2018

Create Your Own Rich Journey To Financial Freedom w/ Amon and Christina Browning

Talking about money can sometimes seem taboo, but not to Amon and Christina Browning. On their YouTube Channel, Our Rich Journey, they cover everything from earning to investing with the sole purpose of demystifying the concept of money to get everyone talking about it. They joined the FI community to expand their knowledge of money and how it can work for them. On Our Rich Journey, they share their money successes and mistakes with their viewers to inspire others to become creative on their journey to Financial Freedom. Today, Amon and Christina currently work and live abroad in Japan with their two little girls and they travel around the world for practically nothing–mortgage-free. In this episode we discuss: Why the Brownings decided to pursue Financial Independence Their current financial picture and financial goals Why they prioritize traveling and how they work it into their budget Travel hacking tips How they lived rent free and mortgage free for 10 years Finding work abroad Quick ways anyone can make extra money When the Brownings will reach FI and their future life and financial goals At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018. Other related blog posts/links mentioned in this episode: How to Make Money - 8 Side Hustles You Can Start Today Video Family Lives Rent Free for Ten Years Video How We Saved $10,000 on a Vacation to Europe by Travel Hacking Video Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 My One on One Money Coaching Services  – Get my personalized 1on1 money coaching expertise to help you reach your financial goals YNA

S1 E55 · Wed, July 25, 2018

The 1-Year Anniversary Episode!

I am super excited because today we are celebrating the one year anniversary of the Journey To Launch Podcast! For the past year, I have been able to share my thoughts, advice and feature amazing financial experts all to help you eliminate debt, save more money and increase your net worth. Your support truly means the world. What better way to celebrate Journey To Launch’s 1-year anniversary than by discussing episode favorites with a few Journeyers? In this episode, I take a few call-ins from special Journeyers who share what their favorite episodes are and why. I talked about the most popular/downloaded so far: Episode 41-How To Change Your Mindset, Habits & Beliefs To Reach Your Financial Goals w/ Jim Fortin Episode 48- From Unemployed and Broke to a Millionaire in 5 years w/ Grant Sabatier Episode 19- The Pillars of FI & How you can Reach Financial Independence   I love all of my episodes but here are just a few of my favorites: Episode 47 -Sylvia's Journey To Paying Off 6 Figures of Law School Debt & Becoming Financially Independent Episode 6- Improve Your Mindset & Stay Focused on Your Financial Journey Episode 20- A Money Chat With My Husband + The Budget Boot Camp   Special thanks for the Journeyers who called in to leave a voicemail- Nassema, Jocelyn, Courtney, Heitor, Lynn & Esperenza.   At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018. Nominate me as Podcast of the Year, Best FIRE Podcast & Community Builder at the 9th Annual Plutus Awards. Just enter in my website www.journeytolaunch.com to nominate me in the following categories at the 9th Annual Plutus Awards; Podcast of the Year, Best FIRE Podcast & Community Builder. Nominate me here .   Other related blog posts/links mentioned in this episode: Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the

S1 E54 · Wed, July 18, 2018

How To Take Mini-Retirements & Enjoy Life Now w/ Carl Seidman

Generally, the goal for most working Americans is to work with a company for several years and eventually retire to enjoy life and explore opportunities that you may not have while working full-time. Today's guest, Carl Seidman explains the concept of  ‘mini-retirements’. A mini-retirement is a lengthy break, months to years, from the normal course of everyday work life intended for personal development and creating new experiences. Carl’s ideas, much like the FIRE movement, challenge the traditional view of retirement and more importantly, his ideas challenge the way that we view career development. In this episode we discuss: The concepts of mini-retirements Carl’s first retirement at 32 Carl’s blog post "Does a college degree matter" The Mexican Fisherman story How to fund mini-retirements and still fund your long-term retirement The structure and planning involved in Carl’s mini-retirements Things to consider before planning a mini-retirement Carl’s goals Carl’s thoughts on the FIRE community and early retirement At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018. Nominate me as Podcast of the Year, Best FIRE Podcast & Community Builder at the 9th Annual Plutus Awards. Just enter in my website www.journeytolaunch.com to nominate me in the following categories at the 9th Annual Plutus Awards; Podcast of the Year, Best FIRE Podcast & Community Builder. Nominate me here Other related blog posts/links mentioned in this episode: Does A Degree Matter Anymore Blog Post Stanford's Article on Reimagining the Undergraduate Experience The Story of the Mexican Fisherman Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 <a href="https://www.journeytolaunch.com/coa

S1 E53 · Wed, July 11, 2018

The What, Why & How of The Financial Independence Retire Early (FIRE) Movement

For most people in the Financial Independence Retire Early (FIRE) community, retiring early is less about never working again and more about having the options and freedom to live the life of your dreams without being dependent on a paycheck. The FIRE movement paints a different picture of retirement and it is one of the reasons that I made reaching FIRE one of my biggest life goals. In this solo episode, I’m explaining the What, Why & How of the FIRE movement. What it actually is, Why everyone should be on the journey to Financial Independence and How to achieve it. In this episode I discuss: What FIRE means How I first discovered it and what first attracted me to the movement What FI (Financial Independence) means What RE (Retiring Early) means Why FIRE? Why everyone should be on the path to FIRE How it gives you more options & happiness The How of FIRE How to reach Financial Independence The formula (increasing income, decreasing expenses and creating good habits) Improving your mindset Celebrating your wins and enjoying the journey At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018. Nominate me as Podcast of the Year, Best FIRE Podcast & Community Builder at the 9th Annual Plutus Awards. Just enter in my website www.journeytolaunch.com to nominate me in the following categories at the 9th Annual Plutus Awards; Podcast of the Year, Best FIRE Podcast & Community Builder. Nominate me here Other related blog posts/links mentioned in this episode: Mad Fientist Podcast Radical Personal Finance Podcast Stock Market Crash Investment Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 My One on One Money Coaching Services  – Get my personalized 1on1 money coaching expertise to help you reach your financial goals <a href= "https:/

S1 E52 · Wed, July 04, 2018

Finding Adventure and Happiness on Your Journey to Financial Independence w/ Tanja from Our Next Life

One of the best things about the journey to Financial Independence is that while planning for early retirement, it is not always a requirement to forsake your other life goals. Tanja Hester, the blogger behind the Plutus Award-winning early retirement blog, Our Next Life, set out on the journey with her husband Mark to retire at the end of 2017. Our Next Life, places a huge focus on putting life goals first and then building money goals around them–not the other way around. In fact, Tanja Hester became financially independent at the age of 36 and retired early at the age of 38, all despite never being a super saver or even naturally good with money. Tanja has graced the show with very practical advice for all journeyers at any place on the path to FI.  In this episode we discuss: What caused her to start the path and how she managed to keep it a secret from her job What retirement actually means to her Health considerations for someone looking to retire early Tanja’s blog post, "What FIRE bloggers owe their readers" Practical advice for people who want to start or who are on this path Advice for high earners vs mid-low earners At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018. Other related blog posts/links mentioned in this episode: Our Next Life Blog The Fire Blogger Manifesto Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 My One on One Money Coaching Services  – Get my personalized 1on1 money coaching expertise to help you reach your financial goals <a href= "https://www.youneedabudget.com/landing/journey-to-launch/?utm_medium=affiliate&utm_source=journeytolaunch.com&utm_campaign=journeytolaunch" re

S1 E51 · Wed, June 27, 2018

Listener Q&A: Getting Over Analysis Paralysis, Can You Still Retire Early If You've Started Saving Late, Should You Hire A Financial Advisor Plus More

The road to Financial Independence is one that is full of different variables and it can sometimes bring uncertainty. Let’s be honest–finding the right balance between budgeting, saving, and investing can be a little overwhelming. With so much information floating around, I am super excited to be able to answer several of your questions about retirement, investments, and all things personal finance. In this Q&A Episode, I give insight into: How do employer contributions for 401K work? How do you get over the fear of action or the fear of getting it all wrong? When is the right time to get a financial advisor? Building off this, how do you evaluate the value of "do it yourself" versus hiring a professional? How do I break the cycle of spending non-budgeted money? How to incorporate family expenses into your budget when you are trying to save but also provide experiences? Ex. Scouts, swimming, ballet, gym, etc. Is it possible to achieve FIRE by 57-60 if you’re behind in retirement savings in your mid-40s? What things should you consider before purchasing a home? How do you cut down on expenses with a fixed income? If you want to submit questions for the next Q&A episode, email me at jamila@journeytolaunch.com or leave me a voicemail with your question at journeytolaunch.com/voicemail . At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018.   Other related blog posts/links mentioned in this episode: Blog Post: What's Your Money Problem? Stock Market Crash Investment Retirement Calculator - How much you’d need to save Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 My One on One Money Coac

S1 E50 · Wed, June 20, 2018

Demystifying Your Finances and Creating a Financial Plan w/ Shannah Game

It was such a pleasure to be able to sit down and discuss financial planning with my new money friend, Shannah Compton Game. Shannah is a CERTIFIED FINANCIAL PLANNER™ professional with an MBA and an award-winning financial strategist on a mission to revolutionize how millennials think, act, and feel about their finances. Her interest in business and budgeting sparked when she started her first business in college, a national student film festival, at only 19. After selling her business 5 years later, Shannah became a CFP and worked at her father’s firm where she learned everything that she needed to know to open her own firm. Today, Shannah is the host of the very popular personal finance podcast, Your Millennial Money , where she tackles all your burning money questions, with topics like Managing Money as a Couple, Mastering Your Budget, How to Ignite Your Savings, Dealing with Student Loans, Building Your Career, Investing, Entrepreneur Stories, Millennial Travel Spots, Music and more In this episode we discuss: How Shannah became a Certified Financial Planner The one big money mistake that most people make Why we should start talking about money more How to start a financial plan and what factors to consider Mistakes to avoid when developing a financial plan Managing financial mishaps and insecurities that stem from your money story Shannah’s financial mistakes and lessons learned Other related blog posts/links mentioned in this episode: Your Millenial Money Podcast My interview with our mutual Money Friend, Bobbi Rebell  Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 My One on One Money Coaching Services  – Get my personalized 1on1 money coaching expertise to help you reach your financial goals YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 mon

S1 E49 · Wed, June 13, 2018

Bravely Tackle Debt And Take Control of Your Finances w/ Kara Perez

Bringing in as much income as possible in order to reach your financial goals is key but that doesn't mean you can't get ahead if you don't make a lot of money. Kara Perez, the creator of Bravely Go, is living proof that is living proof that as long as you're willing to put the work in, achieving your financial goals with a low income is completely possible. After taking on more than $25,000 in student loan debt, Kara, extremely unhappy with her situation, started to research ways to quickly pay off her debt. After becoming inspired by personal finance blogs such as Frugalwoods, Kara paid off $25,302 in loans on a salary of less than $30,000, the final $18,000 in just ten months. After becoming debt free in June 2015, Kara created Bravely to help other women take control of their financial lives. In this episode we discuss: How a simple Google search inspired her to pay off $18,000 in student loan debt in 10 months How paying off her debt deepened her relationship with others How her personal finance blog, Bravely Go, came to fruition Why women have become her target audience Kara’s 10 financial commandments for women The significance of value-based spending and spending on the things that you love Kara’s next financial and life goals At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018. Other related blog posts/links mentioned in this episode: Kara's 10 Financial Commandments All Women Should Live By My interview with Mrs. Frugalwoods of the Frugalwoods Financial Independence blog Jon Morrow's Interview about Making Significant Changes Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 My One on One Money Coaching Services  – Get my pe

S1 E48 · Wed, June 06, 2018

From Unemployed and Broke to a Millionaire in 5 years w/ Grant Sabatier

There is an art to making money and developing your side hustle muscle and Grant Sabatier from Millennial Money is definitely an expert. As a 24-year-old unemployed college grad living at home with his parents with less than $3 to his name, Grant became determined to find success and reach major financial goals. He set out on a self-taught journey to learn Google AdWords as a result of a simple Google Search. While working at a Digital Ad Agency, Grant acquired the knowledge and connections necessary to build a side hustle that allowed him to leave his 9 to 5 and allowed him to reach Financial Independence within 5 years. Today, Grant is now Financially Independent and he had used his knowledge of making money to create a blog and podcast that is dedicated the helping others build a successful business and become Financially Free.  In this episode we discuss: How Grant Used Google AdWords to build a successful future What Helped Grant to Stay Focused on his Financial Independence Goals How Reaching Financial Independence Transformed His Life Why Grant Started Millennial Money Why Focusing on the Present Provides More Balance on the FI Journey Tips to Help Propel Journeyers in their FI Journey The Mindset Shift Required to Find a Side-Hustle and Create More Income The Importance of Mentors and Connections The Factors of Becoming Successful in Making Money At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018. Other related blog posts/links mentioned in this episode: Grant's new book, 'Financial Freedom: A Proven Path to All the Money You Will Ever Need' Your Money or Your Life by Vicki Robin and Joe Dominguez  My interview with Vicki Robin, the co-author of Your Money or Your Life Tim Ferriss' episode 'How To Design A Life' with Debbie Millman Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! <a href= "http://bronx

S1 E47 · Wed, May 30, 2018

Sylvia's Journey To Paying Off 6 Figures of Law School Debt & Becoming Financially Independent

Sylvia accrued six-figures of debt from law school and her life was greatly impacted by Hurricane Katrina while living in Louisiana. With discipline, determination, and the help of financial books such as Your Money or Your Life, Sylvia made the decision to take control of her personal finances. She took on a side-gig as a pizza delivery driver to bring in an extra $2,000 a month and adopted a frugal lifestyle to aggressively tackle her debt. Today, Sylvia has paid down a majority of her student loan debt, owns her own law firm, and is about 3 years away from Financial Independence. In this episode we discuss: Sylvia’s story of how she accrued six-figures in debt How she used a side-gig and a plan to pay off her student loans How she managed her finances and saved without an actual budget Why she continued to invest with a significant amount of debt Her big move to Seattle Her plans after retirement Her current investments The difference between a Real Estate Investment Trust (REIT) and actual real investment How her family has affected her decisions on the journey to financial independence At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018. Other related blog posts/links mentioned in this episode: Bigger Pockets   Your Money or Your Life by Vicki Robin and Joe Dominguez  My interview with Vicki Robin, the co-author of Your Money or Your Life Automatic Millionaire by David Bach The Money Book for the Young, Fabulous, and Broke by Suze Orman Join The <a href="http://www.journeytolaunch.com/j

S1 E46 · Wed, May 23, 2018

How To Start and Run A Successful Side Hustle w/ Dr. Maria James

Science and the experimental process have several parallels to the management of our personal finances. Dr. Maria James, also known as the Money Scientist™, spent more than 10 years in Finance while pursuing her degree in Cellular and Molecular Medicine. Now she is applying some of the skills that she had learned in the science world to teaching business owners about finance.  During her time in college, she maximized her resources and developed side hustles that brought in an extra $10,000. Since moving away from science, she has developed  Pocket of Money and the Pocket of Money podcast to provide financial advice and resources for entrepreneurs and business owners. In this episode we discuss: How to manage a full-time job and side hustle How to turn a side-hustle into a successful business How science can be applied to money principles Creating protocols to reach your financial goals Tips for managing your side-hustle Outsourcing and automation for productivity How to plan for business expenses and consider the return on your investment The benefits of networking and the proper way to find valuable connections The difference between passive income and earned income Creating Sales Funnels to bring in customers At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018. (YNAB, my favorite budgeting app is giving Journeyers a 2-month free trial, no credit card required to try their amazing budgeting system, check it out here!) Other related blog posts/links mentioned in this episode: Pocket of Money Podcast PocketofMoney.com Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 <a href="ht

S1 E45 · Wed, May 16, 2018

Becoming a Financial Grownup w/ Bobbi Rebell: How To Live Your Dreams and Have Financial Freedom

Success, whether in achieving your financial goals or advancing in your career, comes with tons of hard work, dedication, and sacrifice. Bobbi Rebell, an award-winning TV anchor, personal finance columnist, Certified Financial Planner, Best-selling Author, and now the host of The Financial Grown-Up podcast, is no stranger to all of the above and more. As a communications major in college, Bobbi made her big break as a financial news TV anchor by making tough decisions and dedicating lots of time and effort. This same focus helped her to author the best-selling self-help/personal finance book “ "How to Be a Financial Grownup: Proven Advice from High Achievers on How to Live Your Dreams and Have Financial Freedom,”. The book combines unique personal financial stories from inspirational leaders with targeted and relatable advice to help readers take charge of their money. It features stories from big names such as Drew Barrymore, Tony Robbins, and Cynthia Rowley. Bobbi now hosts her podcast, Podcast Financial Grown Up with Bobbi Rebell, which features several amazing guests that share their financial stories, including yours truly. In this episode we discuss: How Bobbi got started in the finance industry Her book “The Financial Grown Up” and the featured celebrity “grown-up” financial stories Drew Barrymore and Tony Robbin’s stories in ‘The Financial Grown Up’ How Bobbi created more time in her schedule as a wife and mother Overcoming Mom-Guilt Her new podcast, Financial Grown Up with Bobbi Rebell Bobbi’s tips for finding deals and discounts for immediate savings and payoff At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018. Other related blog posts/links mentioned in this episode: The Financial Grownup Podcast Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 My One on One Money Coaching Services  – Get my personalized 1on

S1 E44 · Wed, May 09, 2018

Rewrite Your Money Story & Propel Your Way To Financial Success w/ Jen Hemphill

For every philosophy, belief, and attitude about money management, there is an underlying money story. Everything from the way that our parents dealt with money to our past financial struggles can have a huge effect on how comfortable we are when it comes to our finances. Jen Hemphill, a Money Confidence Coach, AFC® (Accredited Financial Counselor) and host of the Her Money Matters Podcast, inspires women from all different walks of life to move beyond their money story and become confident in making sound decisions about their money. In her new book, ‘ Her Money Matters’ , she provides tips, tricks, and good practices to find your financial confidence and ensure that it stays. In this episode we discuss: What inspired Jen to teach about the confidence behind finance How a scarcity mentality held her back from her financial goals Managing money expectations with your partner How to cultivate money confidence Ways to increase your financial confidence The importance of financial confidence check-ins How she became confident with money Jen’s Book, ‘Her Money Matters’ and how her tips can help others reach their financial goals Money actions and skills The value of accountability and budgeting Budgeting based on where you are in your journey At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018.   Other related blog posts/links mentioned in this episode: Abraham-Hicks Prosperity Game 7 Ways To Improve Your Financial Confidence Podcast Episode 'Her Money Matters' Book Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 My One on One Money Coaching Services  – Ge

S1 E43 · Wed, May 02, 2018

Being Rich and Regular: A Couple's Journey To Reaching Financial Independence

There a few things more inspirational than hearing about another family’s real-life experience. Kiersten and Julien Saunders, the couple behind the finance blog, Rich and Regular, provide real-life inspiration to other couples and families on the journey to Financial Independence. As marketing professionals, the Saunders used their income to aggressively eliminate their debt. Over the course of 5 years, they have been able to pay off more than $200,000 of consumer debt. More recently, they have paid off the mortgage on their home and they have added a new addition to the family, 11-month old Baby Bo. As lovers of life and travel, the Saunders are proof that the road to Financial Independence doesn’t have to absent from the simple pleasures of life. In this episode we discuss: How the Saunders started their FI journey The Steps that they took to save money and eliminate debt How visually mapping out their progress allowed them to stay focused on their financial goals Why they made the decision to pay off their mortgage How becoming parents has affected their FI journey Their goals for achieving financial independence How to manage workplace burnout with marriage and children and use it as motivation The flexibility within achieving financial independence The significance of still living a life you love while saving and preparing for the future Implementing planning days to plan for savings and budgeting The next steps for their blog, Rich and Regular Check out the sponsor for this episode, YNAB and sign up for a free 2-month trial ! At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018. Other related blog posts/links mentioned in this episode Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my late

S1 E42 · Wed, April 25, 2018

Balancing Pregnancy, Motherhood, a Growing Business & Everything In Between

Is it possible to "have it all" and still be happy, better yet sane? Join me in today's solo episode where I am discussing how I balancing my pregnancy, motherhood, growing my business and everything in between. Specifically, I discuss: Being pregnant and attempting to juggle it all The importance of my support system and why you too should build up your relationship currency Becoming a mom of 3 kids and how we plan to save on kid-related expenses Ways in which you can take more control of your life Plans for Journey To Launch while on maternity leave I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018. Other related blog posts/links mentioned in this episode: Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 My One on One Money Coaching Services  – Get my personalized 1on1 money coaching expertise to help you reach your financial goals YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link . Connect with me: Jamila Souffrant on Instagram Journey To Launch Instagram Journey To Launch Twitter Journey To Launch Facebook  Page Join the private Facebook Group

S1 E41 · Wed, April 18, 2018

41- How To Change Your Mindset, Habits & Beliefs To Reach Your Financial Goals w/ Jim Fortin

There are many factors to consider on the journey to becoming wealthy but shifting your mindset is by far one of the most important. Several studies show that psychological factors have a tremendous effect on our behaviors, habits, and our ability to adapt to new circumstances. Jim Fortin, the Subconscious Selling & High-Performance Expert, knows and understands what it means to shift your internal dominant thoughts to manifest the wealthy lifestyle that you desire. As a former foreign exchange day trader that fell on hard times, Jim is no stranger to poverty and the scarcity mindset. After losing nearly $1 million in one night, he sought after knowledge that went beyond motivational teachings such as hypnosis and Neuro-Linguistic Programming (NLP) which highlighted the power of the mind. Through the inspiration of his brother-in-law, a spiritualist, Jim has adopted the mindset that wealth starts in the mind. This is the premise behind his teachings and the knowledge that he shares with us on the show: In this episode we discuss: The Be, Do, Have Model How having a scarcity mindset can be counterproductive while building wealth Why Effort does not necessarily make you more money Why your dominant thoughts are directly related to wealth Changing your identity in relation to money The Law of Attraction How happiness relates to abundance How Internal, Mindset Changes can affect your Income Why Gratitude and Giving Helped Jim to Become Wealthy At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018. (YNAB, my favorite budgeting app is giving Journeyers a 2-month free trial, no credit card required to try their amazing budgeting system, check it out here!)   Other related blog posts/links mentioned in this episode: The Complete Works of Florence Scovel Shinn Jim's 20-Minute Training on Habits JimFortin.com Join The  Weekly Newsletter List <a href="https://www.journeytolaun

S1 E40 · Wed, April 11, 2018

All About The Health Savings Account (HSA) :The Ultimate Retirement and Investment Account W/Jackie Koski

The Health Savings Account, introduced in the early 2000's, has proved to be the ultimate retirement and investment account–particularly for those on the road to early retirement. Certified Educator in Personal Finance (CEPF®) and Health Saving Account (HSA) expert, Jackie Cummings Koski, joins us on the show to discuss everything from how to obtain an HSA account to how to invest the money that you contribute. As one of 6 children raised by a single father, Jackie knows firsthand what it means to struggle financially. As a result, she made educating herself about finances and investing her personal mission. From the knowledge that she acquired, she wrote her book “Money Letters 2 My Daughter” as a way to educate her then 14-year-old daughter on what it means to be financially savvy. Today, Jackie has grown her HSA account to more than $100,000 as is on track to retire early in her 40's.  In this episode we discuss: The definition and benefits of the Health Savings Account (HSA) How to enroll in an insurance plan with an HSA Things to consider when enrolling in an insurance plan When to consider enrolling in a traditional plan vs. a high-deductible plan Annual contribution guidelines How and when to access the money within your HSA Shopping around for the right provider Inheritance of an HSA account The expenses that you can use HSA money for (qualifying reimbursements) Jackie’s early retirement plan At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018. (YNAB, my favorite budgeting app is giving Journeyers a 2-month free trial, no credit card required to try their amazing budgeting system, check it out here!)   Other related blog posts/links mentioned in this episode: Jackie's book "Money Letters 2 My Daughter" IRS Publication 969, Health Savings Accounts and Other Tax-Favored Health Plans IRS Publication 502, Medical and Dental Expenses Join The  Weekly Newsletter List <

S1 E39 · Wed, April 04, 2018

Your Money or Your Life Transforming Your Relationship with Money and Achieving Financial Independence with Vicki Robin

Vicki Robins, the co-author of the very popular book, “Your Money or Your Life” has been one of the most influential visionaries of the Financial Independence movement. In the late 1960’s, with the advice of the late Joe Dominguez, Vicki reached Financial Independence and together they began to teach their revolutionary methods all over the nation. Their workshops featured the famous 9 steps to reach Financial Independence and eventually, Vicki and Joe were approached to turn their teachings into the book that we know today, "Your Money or Your Life". The book went on to be wildly popular, encouraging people to fight against the weight of consumerism and become a New York Times bestseller. Vicki also made two appearances on the Oprah Show with Oprah declaring that the book "would change your life". More than 25 years later, Vicki has written an updated version of the book for a new generation of people on the path to Financial Independence. I'm so honored to have Vicki on the show to discuss: How Vicki met the late co-author Joe Dominguez and how they worked to create the Financial Independence movement How their book “Your Money or Your Life” came to fruition and became popular. Why Vicki set out to create an updated version of the book The importance of relationships and how they create community wealth Why “freeing your mind” is the cornerstone of Financial Independence The definition of the “Enough Point” How to calculate your life energy and true hourly wage What Vicki believes to be the most transformational steps of the 9 steps from the book How Vicki believes the new version of “Your Money or Your Life” will impact the world in this new age The bigger picture of systemic barriers in the United States that make achieving Financial Independence more difficult Also, find out how you can be one of 3 Journeyers, to win a free copy of the updated book, "Your Money or Your Life". Click here for your chance to win! At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018. (YNAB, my favorite budgeting app is giving Journeyers a 2-month free trial, no credit card required to try their amazing budgeting system, check it out <a href= "https://www.youneedabudget.com/landing/journey-to-launch/?utm_medium=affiliate&utm_source=journeytolaunch.com&utm_campaign=journeytolaunch" targ

S1 E38 · Wed, March 28, 2018

How To Optimize Your Taxes and Make The System Work For You W/ Shane Mason

Shane Mason, CPA/PFS, CPF, is a New York-based accountant, financial planner, and all-around tax wizard that joins the show this week to discuss the one topic that has many Americans baffled: taxes. He specializes in accounting, tax preparation and financial planning services for small and medium business owners, creatives, tech professionals, expatriates and foreign nationals living in the US. Shane and I crossed paths during my search for the assistance of a new tax professional and we are delighted to have his expertise on the show to unravel tax law and what it means for everyone on the journey to Financial Independence. In this episode, we talk about: Why we have to pay taxes Why you should consider hiring a tax professional How tax refunds work Why a large tax refund isn’t necessarily a great thing Common mistakes made when filing taxes Amending a tax return Determining the right investment account for your income Factors to consider when determining where to invest first The new tax law changes and how they affect you At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018. (YNAB, my favorite budgeting app is giving Journeyers a 2-month free trial, no credit card required to try their amazing budgeting system, check it out here!) Other related blog posts/links mentioned in this episode: 3 Questions To Ask Before Spending Your Tax Refund Why You Shouldn't Want A Tax Refund IRS Withholding Calculator Sign up for Credit Sesame  using my affiliate link and get your free credit report and other resources to help you monitor and improve your credit How We Saved $169,000 in 2 Years With the Help of This Budgeting System Join The <a href="http://www

S1 E37 · Wed, March 21, 2018

Understanding Credit and How to Use Credit to Build Wealth W/ Shante Harris

When it comes to building wealth, credit can be a key component in helping you to achieve your financial goals. Credit expert, Shante Harris, joins us on the show to talk about everything from credit scores, credit reporting, and even credit card utilization. A Maryland native, Shante shares an incredible story of triumph in which she survived cancer, becoming a mother of a child with autism, divorce and even homelessness. Throughout her times of adversity, Shante gained the experience of bouncing back from credit card debt and becoming an expert in transforming not-so-perfect credit. Today, she leads a Facebook group of more than 58,000 members where she shares her expertise and inspires others to work toward their credit goals. She is also the founder of the non-profit organization, F.A.C.E. (Facing Autism with Children Everywhere).  Sign up for Credit Sesame  using my affiliate link and get your free credit report and other resources to help you with your credit.  In this episode, we talk about: Why credit is important How credit works The 5 components of a credit score The importance of the average age of accounts How travel hacking can affect your score Vantage scores vs. FICO How student loans affect your credit How employers check credit scores and other financial information Tips for paying off your credit card balance At the end of the podcast, I announced the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018. (YNAB, my favorite budgeting app is giving Journeyers a 2-month free trial, no credit card required to try their amazing budgeting system, check it out here!) Other related blog posts/links mentioned in this episode: Your Financial Common Cents Facebook Group Annualcreditreport.com Sign up for Credit Sesame  using my affiliate link and get your free credit report and other resources to help you with your credit <a href= "https://www.journeytolaunch.com/savings-budgeting-ynab-review/" target="_blank" rel="noop

S1 E36 · Wed, March 14, 2018

Everything You Need To Know About Your Student Loans And How To Get Rid of Them W/ Robert Farrington

Student loan debt is one of the biggest concerns of college graduates in America. Robert Farrington, the Student Loan Debt Expert, is helping readers from all over the nation to better understand the process of student loan repayment with his blog, The College Investor. Robert was always passionate about investing and making money but when he identified a need amongst his peers to share more about student loans, he changed the course of his finance blog to educate borrowers. Robert was able to pay off more than $42,000 in student loan debt over the course of 3 years and he’s sharing his methods with college grads all over the nation to encourage them to do the same. In fact, this month, he is working with others in the financial influencer community to inspire followers to collectively pay off $1 million or more of student loan debt. You can find more information about this movement in the links below. (Also, YNAB, my favorite budgeting app is giving Journeyers a 2-month free trial, no credit card required to try their amazing budgeting system, check it out here!) In this episode, we talk about: The significance of paying an additional $100 on student loan debt How earning more income is key to getting rid of debt The importance of investing in your future while paying on student loan debt Federal loan repayment and debt forgiveness programs Student loan consolidation vs. refinancing When it is appropriate to only make minimum payments and when to make extra payments Things to consider while applying for student loans   Other related blog posts/links mentioned in this episode: Join the Student Loan Debt Movement  The College Investor's Email Course for Journeyers Studentloan.gov Public Service Loan Forgiveness Program Info How We Saved $169,000 in 2 Years With the Help of This Budgeting System Join The  Weekly Newsletter List Leave me a voicemail – Leave me

S1 E35 · Wed, March 07, 2018

The Power of Frugality & Simple Living To Reach Financial Independence w/ Mrs. Frugalwoods

When it comes to saving, frugality is so more than just a habit, it’s a lifestyle choice. Liz Thames, affectionately known as Mrs. Frugalwoods, allowed a frugal lifestyle to help fuel her family toward Financial Independence and a simpler lifestyle in the woods of Vermont. Retired at 32, Liz and her husband made it a priority to make tough decisions on spending in order to save 70-80% of their income. She shares much of her wisdom on her blog, Frugalwoods, and we are delighted to have her be a part of this show. Their new book, Meet the Frugalwoods: Achieving Financial Independence Through Frugal Living Book is set for release and readers that pre-order by March 13, 2018, will receive a signed bookplate! Details are listed in the links below. (Also, YNAB, my favorite budgeting app is giving Journeyers a 2-month free trial, no credit card required to try their amazing budgeting system, check it out here!) In this episode, we talk about: How frugality can simplify your life and catapult your savings goals How important it is to consider what makes you happy in making savings/retirement plans The simple formula for achieving financial independence How to cut your expenses to achieve the lifestyle you desire The significance of understanding the opportunity cost of the money that you are spending. The importance of remaining mentally connected to your financial goals How finding meaningful hobbies can help to keep you focused during the wait of finding financial independence Other related blog posts/links mentioned in this episode: Frugalwoods' Uber Frugal Month Challenge Frugalwoods' Uber Frugal Month Challenge Meet the Frugalwoods: Achieving Financial Independence Through Frugal Living Book Pre-order and Signed Bookplate How We Saved $169,000 in 2 Years With the Help of This Budgeting System Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! <a href= "http://bronx.news12.com

S1 E34 · Wed, February 28, 2018

Trade in Your 9-5 and Reach Financial Independence Through Stock Investing w/ Tela Holcomb

Investing in stock can seem very intimidating but Tela Holcomb, the renowned stock investor has used swing trading as a vessel to help her create financial independence. More than 9 years ago, as a servicemember and single mom, a conversation about trading and early retirement inspired Tela to teach herself the skills necessary to replace her 9-5. In this episode, we talk about: The difference between trading and long-term investing How practice trading accounts prepare for real life stock trading Tela’s 3 trading account system How to buy stock How to make a trading plan to manage gains and losses How to manage the emotions that come with stock trading Tela’s definitions of financial independence and financial freedom Why you don’t have to be perfect to find success in stock trading. Other related blog posts/links mentioned in this episode: Tela's Website With Free Stock Market Course Tela's free Stocks and Profit Facebook Group Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 My One on One Money Coaching Services  – Get my personalized 1on1 money coaching expertise to help you reach your financial goals YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link . Connect with Tela on: Twitter Facebook Instagram TelaHolcomb.com Connect with me: Journey To Launch Instagram Journey To Launch Twitter Journey To Lau

S1 E33 · Wed, February 21, 2018

The Importance of Estate Planning for Long Term Wealth w/ Art Steele + How To Get Started

Passing down generational wealth is extremely important. The best way to make sure that wealth is passed down for generations to come is through proper estate planning. Art Steele, Estate Planner and the podcaster behind The Legalese for Entrepreneurs  Podcast,  has an incredible story about how she came to choose her career and the epiphany that caused her to realize the significance generational wealth within in the black community. In this episode, we talk about: Understanding the racial wealth gap Why personal behavior cannot close the racial wealth gap The significance of estate planning in the black community (and all communities) How considering the “value of your life” helps with planning your estate What having an estate plan involves The legal documents required to make decisions for end of life care The roles of a financial planner and an estate planner The importance of leaving behind a will How proper estate planning can benefit generations beyond your children The significance of a trust with inheritance for children How hiring an attorney for estate planning can save you money in the long run Other related blog posts/links mentioned in this episode: The article about the racial wealth gap Art's Free Estate Planning Workbook Art's Email Legal-Ease Course Join The  Weekly Newsletter List Leave me a voicemail – Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12   Watch my latest segments on News12 My One on One Money Coaching Services  – Get my personalized 1on1 money coaching expertise to help you reach your financial goals YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my <a href= "https://www.youneedabudget.com/landing/journey-to-launch/?utm_medium=affiliate&utm_source=journeytolaunch.com&utm_campaign=journeytolaunch" target="_blank" rel=

S1 E32 · Wed, February 14, 2018

Discussing Marriage, Kids, and Money, Plus The BuzzFeed Effect

When two people are working towards a goal, amazing things can happen. This occurred for Andy Hill and his wife when they decided to come together and set a plan to reach their financial dreams.  In this episode, we talk about how Andy and his wife: Paid off $48,032 of debt in 1 year Became completely debt free by paying off their mortgage in less than 4 years Began living on one income and got on the same financial page Don't believe in giving their kids allowances & the important values they are instilling in them Plus so much more!   Other related blog posts/links mentioned in this episode: Andy's Blog & Podcast  BuzzFeed's 27 Podcasts You Need To Start Listening To in 2018 Join The Weekly Newsletter List Leave me a voicemail - Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 My One on One Money Coaching Services  - Get my personalized 1on1 money coaching expertise to help you reach your financial goals YNAB -  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link .  Connect with Andy: Marriage Kids & Money Blog & Podcast  Andy on Twitter Andy on Facebook Connect with me: Journey To Launch Instagram Journey To Launch Twitter Journey To Launch Facebo

S1 E31 · Wed, February 07, 2018

The Birthday Episode: My Previous Business Failures & 4 Life Lessons That Contribute to My Success

It’s my birthday! So, this episode is going to be more personal, a solo episode where I want to talk about more of what's led me to where I am today and the lessons I've learned throughout my 35 years of life that continue to contribute to my success.  In this episode, I talk a bit about my previous failed business attempts from starting an online magazine to investing almost $22,000 in a vending machine business that ultimately did not succeed. I'm also sharing key life lessons that have helped me thus far on my life journey and hope you can find some inspiration to help you on your path too. I said that my word for this year was “Fearlessness” but it also is “Creation”. Never have I felt more inspired and filled with hope, nurturing and growing life within and all around me. I’m in a season of expansion and my dreams are literally coming true. I couldn’t be more appreciative and happy with what is and what’s to come. Thank you for listening to the podcast which now has over 50,000 downloads! If you want to give me a bday gift, here are a few things you can do: Share the podcast with your family and friends. Send them your favorite episode and/or share on your personal FB profile, twitter, Instagram, etc. Not sure, how to share or find the podcast on your favorite podcasting app? click here . If you listen to the podcast in Apple podcasts, please leave me a review Also, if you don't want to miss a thing, please make sure to sign up for my weekly newsletter Other related blog posts/links mentioned in this episode: The Complete Works of Florence Shinn Leave me a voicemail - Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 My One on One Money Coaching Services  - Get my personalized 1on1 money coaching expertise to help you reach your financial goals Connect with me: Journey To Launch Instagram Journey To Launch <a href= "https://twitt

S1 E30 · Wed, January 31, 2018

Timika's Journey To Financial Independence & Earning 6 Figures in Her Side Hustle

If you’re someone looking for ways to increase your income so that you can reach your financial goals, starting your own business has probably has crossed your mind once or twice. Not only will a business become an asset but it can become an integral step in helping you reach Financial Independence. Timika Downes talks about her journey to starting a lice clinic as a side hustle in addition to working her full-time job as a nurse. Now, her lice clinic makes 6 figures a year and has afforded her a life of options and more freedom. This is an inspiring interview for anyone who wants to increase their income and start a side hustle. Here are the main topics we cover in this episode: Timika’s background Her job How she grew up frugal The importance of saving Her lightbulb moment The methods she used to pay off debt quickly How she became intentional about paying off debt Her next step towards FI Her mission to save as much as possible How she decided what she wanted from life Why FI is about having options Her business Her path to different businesses How she started her lice clinic How she built a business within her means The importance of validating a business idea Plus we talk about so much more! Other related blog posts/links mentioned in this episode: ChooseFI Facebook group Dave Ramsey Mad Fientist Radical Personal Finance Leave me a voicemail - Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 My One on One Money Coaching Services  - Get my personalized 1on1 money coaching expertise to help you reach your financial goals Connect with Timika: Timika's blog - The Reluctant Frugalist Connect with me: Journey To Launch Instagram Journey To Launch Twitter Journey To Launch Facebook  Page <a href="https://www.facebook.com/groups/Jou

S1 E29 · Wed, January 24, 2018

How To Become A Money Nerd With Whitney Hansen

Paying off debt is essential to getting back on track with your finances. Not only will you remove a large expense every month, but the mental freedom is priceless. That’s exactly what Whitney did by working two jobs and sticking to a tight budget. By being intentional and mindful of her spending, she was able to pay off all her debt and now owns a personal finance business. Her business now makes more money than her full-time job, which means she now gets to live on her terms and work on her business. Whitney’s hacks to paying off debt are unique and insightful, a huge help to anyone working towards paying back their debt. Here are the main topics we talked about in the episode: Whitney’s background Her journey to managing money How she paid off her $30,000 in debt in 10 months Her online business Her journey to paying off debt How she was working 2 jobs Her different tricks to paying off debt How she set her goals How to be intentional about your finances Using a holistic overview The importance of keystone habits How to set SMART goals Investing when in debt How it differs from case to case Starting an emergency fund Why it depends on how long you’ll be paying off debt Her personal finance goals Why she’s leaving her full-time job Her business goals Getting started with real estate investing Other related blog posts/links mentioned in this episode: Whitney’s Blog The Money Nerds Podcast The Money Summit The Power of Habit by Charles Duhigg Dave Ramsey Leave me a voicemail - Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch my CBS News Segment   Watch me on News12  Watch my latest segments on News12 My One on One Money Coaching Services  - Get my personalized 1on1 money coaching expertise to help you reach your financial goals Connect with Whitney: Whitney on Twitter Whitney on <a href= "https://www.instagram.com/whitney_

S1 E28 · Wed, January 17, 2018

Finding The Right Balance Between Your Income & Expenses with the Paychecks & Balances Duo

When developing a solid financial plan, it’s important to look at how you can generate the most income while being conscious of your spending. Marcus and Rich from the Paychecks and Balances podcast aim to help people look at both sides of their balance sheet, their income and their expenses. I really enjoyed interviewing Marcus and Rich as we covered a variety of topics such as how to; negotiate pay raises, pay off debt and the importance of being able to enjoy yourself while on your financial journey. This is a very informative yet light-hearted episode for those of us who want to accomplish our financial goals while not feeling guilty about spending on the things we value. Here are the main topics we talked about in the episode: Rich and Marcus Their backstory How they became more conscious of their money habits The meaning of their podcast Making the most of your paychecks The importance of understanding where your money is going Automating your savings Negotiating your salary How to negotiate your salary Why people are afraid to negotiate The importance of doing your research Making the most of your company’s benefits Using a cost of living calculator Taking action How to be proactive and not reactive Why it’s better to start now rather than later How to live the 80/20 lifestyle Why it’s important to be responsible but also enjoy yourself Being in debt Marcus’ journey managing debt Why the easiest part is making a plan Making sure getting in debt is your choice Rich’s story with debt Why people want to be debt free The difference between good and bad debt Credit card debt vs student loan debt   Other related blog posts/links mentioned in this episode: Paychecks and Balance Podcast Marcus’ book: Debt free or die trying 15 Minute Budget Paychecks & Balances podcast episode 68: Don’t Cost Yourself $600K Bank Rate Cost of living Calculator CNNMoney’s Calculator Digit Paychecks and Balances video with CBS Leave me a voicemail - Leave me a question on t

S1 E27 · Wed, January 10, 2018

The Art Of The Side Hustle With Chris Guillebeau

Chris Guillebeau is on a mission to help people start their own side hustles so that they can create more security, freedom and opportunities in their lives. Side Hustles are becoming more and more the norm nowadays as people look for a way to supplement their job with extra income. These hustles consist of building an asset with the purpose of providing some kind of return and benefit to a customer. Chris is currently on a 100 city tour and gives regular talks on the process of creating side hustles for people who want some extra income but don’t want to quit their day job. He is an avid traveler and a successful entrepreneur with huge experience dealing with side-hustles. I was honored to have Chris on the podcast to talk about his new book: ‘Side Hustle: From idea to income in 27 days’, his podcast Side Hustle School and his two-step process when starting a side-hustle: getting an idea and putting this idea into action. We also talked a bit about MLMs and some mental blocks people have when starting a side hustle. An interesting and informative interview for those looking to increase their income with a side-hustle! Here are the main topics we talked in the episode Chris’ introduction His backstory How he got started with side hustles Why he focuses more on income than expenses Why everyone should start a side hustle Why it's empowering  Side hustles create freedom The necessity of a side-hustle The difference between a side hustler and an entrepreneur Side hustles supplement a job Side hustles are not about scaling and raising capital The importance of the money, mindset and goals Parts of starting a side hustle The two parts: having an idea and taking action Starter ideas and next level ideas The gig economy Examples of starter ideas Side hustle blocks Time and money The minimal costs The importance of planning and creating a process The next step after having an idea Understanding what form it will take Analyzing your audience Using your expertise MLM's Being part of a supportive group Why it’s better to create your own asset Other related blog posts/links mentioned in this episode: Chris Guillebeau’s book Side Hustle: From idea to income in 27 days Udemy  - An online learning and teaching marketplace Grab your seat at the Budget Boot Camp <a href="https://www.journ

S1 E26 · Wed, January 03, 2018

The Wealth Formula & The Secret Sauce Needed To Make It Work

The simple wealth formula can be defined as Income -Expenses = The Gap. You use the gap to get ahead in your finances by paying off debt, saving more and investing more. Essentially, you want to increase The Gap as much as possible in order reach your goals faster. But that's not all there is to the Wealth Formula. There are other silent but important factors needed in order to make it really work for you. You can call these factors, the secret sauce. Without focusing on these factors, reaching your goals is so much harder and even somewhat impossible. The Five "Secret Sauce" Factors are: Intrinsic Motivation Habits Beliefs Consistency Hard Work/Sacrifice I've since even modified the Simple Wealth Formula to include what I think is a true driving force of how fast you can reach and maintain your goals to be: (Income - Expenses) * Habits = The Gap Also, this episode is brought to you by the Free MasterClass that I’m holding Thursday, Jan 4th at 9pm EST. If you haven’t signed up yet, don’t worry, there’s still time, join here Other related blog posts/links mentioned in this episode: Reserve Your Seat at The Free LIVE MasterClass on January 4th at 9pm EST:  How To Have Your Best Financial Year Yet     Sign up for the 2018 Q1 Launch To Financial Freedom Mastermind  (enrollment is from January 4, 2018 to January 8, 2018)  Grab your seat at the Budget Boot Camp Leave me a voicemail - Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 My One on One Money Coaching Services  - Get my personalized 1on1 money coaching expertise to help you reach your financial goals Connect with me: Journey To Launch Instagram Journey To Launch Twitter Journey To Launch Facebook  Page Join the private Facebook Group  

S1 E25 · Wed, December 27, 2017

Identify Your Money Problem & Join Me For The Free MasterClass

Now that Christmas is officially over, how did you do? Did you go over budget or stay within budget or are you afraid to even check? In this week's podcast episode, I'm talking about how to start preparing yourself for next year's holiday season right now and then I dive into how to identify which of the four common money problem(s) you have and how to fix them. Next week on January 4th at 9pm EST, I'm holding a free LIVE MasterClass/Webinar called: How To Have Your Best Financial Year Yet-  Tips To Save, Pay Off Debt & Invest In 2018     Other related blog posts/links mentioned in this episode: Reserve Your Seat at The Free MasterClass:  How To Have Your Best Financial Year Yet   Blog Post:  What's Your Money Problem Final 2017 Year-End Saving & Investing Update of $84,100 Grab your seat at the Budget Boot Camp Sign up for the 2018 Q1 Launch To Financial Freedom Mastermind Waitlist and get special early bird pricing. Leave me a voicemail - Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 My One on One Money Coaching Services  - Get my personalized 1on1 money coaching expertise to help you reach your financial goals Connect with me: Journey To Launch Instagram Journey To Launch Twitter Journey To Launch Facebook  Page Join the private Facebook Group

S1 E24 · Wed, December 20, 2017

Four Things To Focus on For Major Financial Success in 2018 + A Year-End Update on 2017 Our Saving/Investing Goals

It’s the perfect time look back and reflect on your finances and do a year-end review. In today's podcast, I'm discussing the 4 things you should set goals around in 2018, which are: Income Expenses Saving/Investing Habits I'm also giving an update on where we ended up with our 2017 Savings/Investing goals. In my 2017 Mid-Year update , back in May we had saved and invested about $53,200. By the end of the year, we ended up saving/investing $84,100 talked about which is about $9,000 less than the $93,100 goal we set for the year. I also hint at some of the major financial changes we are making next year and give more details about the  Q1 2018 Journey To Financial Freedom Mastermind. Other related blog posts/links mentioned in this episode: Four Ways To Set Yourself Up For Financial Success 2017 Year-End Saving & Investing Update Grab your seat at the Budget Boot Camp Sign up for the 2018 Q1 Launch To Financial Freedom Mastermind Waitlist and get special early bird pricing. Leave me a voicemail - Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 My One on One Money Coaching Services  - Get my personalized 1on1 money coaching expertise to help you reach your financial goals Connect with me: Journey To Launch Instagram Journey To Launch Twitter Journey To Launch Facebook  Page <a href="https://www.faceb

S1 E23 · Wed, December 13, 2017

The Millennial Path To Financial Independence with Gwen & J From The Fire Drill Podcast

Millennials are often mischaracterized as being lazy and wanting things handed to them.  I can’t tell you how far from the truth that is, especially when it comes to Gwen & J  from the FIRE Drill Podcast who came on the podcast today to talk about pursuing FI and the different aspects of paying off debt and being financially stable. Both bloggers have their own informative and successful blogs that share their specific paths to FI and are set on inspiring others to do the same. I’m also super impressed by what they’ve been able to accomplish so far at such young ages. Gwen has saved $100k by age 25 and purchased her first rental property, a triplex, earlier this year. J has paid off nearly $100k of debt in two years and has saved over $200k towards retirement by age 28. On the episode today, we explore the importance of savings and increasing your income. J explains how essential it is to have an emergency fund after what happened to her while she was paying off debt, and Gwen talks about why she has FU money. It was also interesting to hear their takes on real estate and how to get started with house hacking. This is a great episode on the importance of working towards FI and achieving financial goals. I also announce the Budget Boot Camp Class & open the waitlist for the Q1 2018 Journey To Financial Freedom Mastermind. Now here are the main topics we talk about in the episode: The FIRE Drill podcast What the podcast is about Their specific interests in finance How FI allows a life of options An interesting way to pursue FI How their opinions have evolved since the beginning of the podcast J and Gwen’s journey How Gwen found FIRE in college Why Gwen plans on quitting her job and be her own boss The sacrifices involved How J got inspired to pay off all her student debt J's methods to pay off debt Career hacking Reaching FI How savings give you freedom and options What is FU money The importance of having an emergency fund Getting started with real estate 2 methods to achieve FI: savings and monthly cash flows The irony once you achieve FI Having a back up plan Other related blog posts/links mentioned in this episode: Grab your seat at the Budget Boot Camp Sign up for the 2018 Q1 Launch To Financial Freedom Mastermind Waitlist Paula Pant: <a href="http://affordanything.com/about/"

S1 E22 · Wed, December 06, 2017

How Investing In Yourself & Starting A Business Can Lead To Financial Success w/ Bola From Clever Girl Finance

Bola Sokunbi of Clever Girl Finance is on today's podcast sharing how investing in herself and starting her own business led her to the path of Financial Freedom. Bola is a Certified Financial Education Instructor, an expert on everything money and founder/CEO of Clever Girl Finance, a website, and business to help women manage their finances to talk about just that.  The talk I had with Bola was very inspiring, especially since I'd one day like to turn Journey To Launch into my full-time business. In this episode, we talked about the mindset involved when starting a business, the money management strategies and the sacrifices one has to be willing to take. We also discuss Bola's own financial journey and why she is so dedicated to helping women take control of their finances. This is a very informative episode for anyone thinking of starting up a business and who needs a bit of advice on budgeting, debt and overall money management. Here are the main topics we talk about in the episode:  Introduction to Clever Girl Finance Why Bola focuses on financial wellness for women How she helps women get to the point where they feel financially successful Bola’s story with money The great influence her parents had on her with money How moving to America affected her financial habits How she decided to do something that mattered and started a business The beginnings of Clever Girl Finance The sacrifices she had to make to start her own business How making a plan helped her manage her business well The importance of taking your business seriously The change of mindset that comes with investing in your own business The business mindset How to plan for different possible outcomes The benefits of investing in yourself and your business Why you should have a clear business plan What it means to put hard work into your business Why you should find a support system with like-minded people Managing money in a business The importance of having a solid strategy when taking on debt Sometimes it’s better to suck it up and first pay off your debt Budget your business like you budget your personal life How Bola personally manages her money How she designs her life around the lifestyle she wants How to balance your goals with your current situation Determining what a good life means to you   Other related blog posts/links mentioned in this episode: Leave me a voicemail - Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! <a href= "http://bronx.news12.com/category/328482/making-cents-with-k

S1 E21 · Wed, November 29, 2017

The 7 Steps To Wealth w/ Hilary Hendershott The Profit Boss + Should You Hire a Certified Financial Planner?

Today’s podcast is an interview with the amazing Hilary Hendershott. Featured in the Wall Street Journal and Forbes, she is a Certified Financial Planner and podcaster who advises women when it comes to managing their finances. It was my pleasure to interview Hilary because I’m a big fan of her podcast, Profit Boss Radio and she really knows her stuff as you’ll be able to hear in the interview. Here are the main topics we talk about in this episode: Hillary’s financial troubles Her personal financial struggles even as a Financial Planner How she changed her behavior from pretending to be rich to being open about her money issues The importance of having the right mentality What financial integrity really means How she became responsible for her own financial future Her work with women and finance The reasons people outside the personal finance world struggle with finance Why the money conversation isn’t happening where women are The importance of taking control of your finances The 7 steps to wealth Hillary’s 7 steps to wealth, from having the right mindset to learning how to ask for what you want and need Why these are the building blocks of wealth Certified Financial Planners (CFP) What is a CFP? What to watch out for when hiring a CFP At which point you should you get professional financial advice The Mindset What is a money operating mindset Why you should get rid of the ‘I can’t afford that’ thought How to use the power of words to change your mindset   Other related blog posts/links mentioned in this episode:   Leave me a voicemail - Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!  Watch me on News12  Watch my latest segments on News12 My One on One Money Coaching Services  - Get my personalized 1on1 money coaching expertise to help you reach your financial goals The Wealth Building Manual  - A step by step guide to building wealth YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by usin

S1 E20 · Wed, November 22, 2017

A Money Chat With My Husband Plus Information About The Budget Boot Camp

I decided to finally record a podcast with my biggest supporter and the silent partner of Journey To Launch, my husband. Not only will you get to know me a little better because I'm giving you more of a sneak peek into my personal life but it may also help you think of ways to talk to your partner about finances. Here are just some of the things we discuss: His personal relationship with money and what he did and didn't learn from his parents about money growing up How he felt when I first told him I wanted to retire early and leave my corporate job What made him feel comfortable with raising his retirement contributions from 3% to 50% of his paycheck If he still want's to work after I "retire" His desire for a new car and if he feels our financial goals are too restricting How he thinks having a 3rd child will impact our finances If he supports Journey To Launch plus much more!   Other related blog posts/links mentioned in this episode: The Online Budget Boot Camp  - It's time for you to take back control over your finances once and for all and start to feel confident and sure about your finances. Stop living paycheck to paycheck and get ahead of the bills that keep piling up so that you can create the extra cushion in your cash flow to pay off debt and start investing. Grab your seat at the Budget Boot Camp to conquer your budget once and for all! The 3 Budget Killers Video  - Check out the three costly budget mistakes to avoid so that you can finally start to feel confident about your finances! What Kind of Journeyer Are You? - Take the quiz to find out where you are on the Journeyer scale. Watch me on News12 My One on One Money Coaching Services The Wealth Building Manual YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budget

S1 E19 · Wed, November 15, 2017

The Pillars of FI & How You Can Reach Financial Independence w/ Choose FI

What is Financial Independence and how can you reach it? Today I sit down with the guys from the Choose FI podcast to talk about the pillars of Financial Independence (FI) and the practical steps you can take to attain this goal. In today's episode with Jonathan & Brad, we talk about the following: The backgrounds of Jonathan & Brad from Choose FI and what prompted them to get off the hamster wheel Jonathan graduating with $168,000 in student loan debt and how he paid it off What FI is and how do you know when you've reached FI The Pillars of FI How can someone begin to work towards FI even while still in debt plus so much more! On last week's podcast episode, I talked about making my TV debut here in NYC as the personal finance expert on a weekly segment. Check out the preview below and watch the segment online here . If you're local in NYC, you can watch me every Wednesday on Making Cents w/ Kristie on News12 Bronx at 4pm and News12 Brooklyn at 5pm on Optimum (channel 12) & Spectrum (channel 212) cable networks. Other related blog posts/links mentioned in this episode: My One on One Money Coaching Services The Wealth Building Manual YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link .   Connect with Choose FI: choosefi.com Choose FI on Facebook Choose FI on Twitter   Connect with me: Journey To Launch Instagram Journey To Launch Twitter Journey To Launch Facebook  Page Join the private Facebook Group  

S1 E18 · Wed, November 08, 2017

How Couples Can Get On The Same Financial Page, My TV Debut + A Major Announcement

Money is one of the leading causes of stress and issues in relationships. Whether you are dating or married, getting on the same financial page with your partner is crucial to accomplishing your overall life goals. On today's podcast, I'm talking with Elle Martinez from Couple Money. Couple Money explores how couples can build their finances together and just won Best Family Finance Blog at the 8th Annual Plutus Awards. In today's episode with Elle, we talk about the following: Why Elle started Couple Money and its mission How couples can merge two opposing goals or visions for the future and compromise The four different types of money date and what to do and not do on a money date The importance of building a budget together and the 3 types of budgets If all couples should merge their finances and how couples can boost their bottom line Preparing for the major milestones; having a baby and buying a home How a couple can plan to retire early together. What to do if one partner is not on board with improving or optimizing their finances How can people who are just dating or a single person approach the subject of money with a potential partner Also, I share two huge announcements on this episode. First, I will be on the local NYC News 12 Bronx and Brooklyn stations as the financial expert on a new weekly segment. News 12 runs on Optimum Cable (channel 12) & Spectrum (channel 212). The first show will air today (November 8th) on News 12 Bronx at 4pm EST and News 12 Brooklyn at 5pm EST and will repeat over the next few weeks. You'll have to listen to this podcast episode to hear the second big announcement... Other related blog posts/links mentioned in this episode: My One on One Money Coaching Services The Wealth Building Manual YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link .   Connect with Elle: couplemoney.com Couple Money Facebook Page Couple Money on Twitter </

S1 E17 · Wed, November 01, 2017

Turning Journey To Launch Into a Full-time Business, 2017 FinCon Recap + a Giveaway

In today's solo episode, I'm sharing the lessons I learned from attending FinCon 2017 last week in Dallas. FinCon is the annual conference where all of your favorite personal finance bloggers, podcasters, YouTubers and money nerds get together to learn, share, network and grow their businesses. This was my first year attending FinCon and I couldn't be more happy with my experience. Not only did I get to meet some of my amazing past guests in person but I also got a chance to meet and network with people I really admire in the personal finance space. Also, the winners of the 2017 Plutus awards were announced the last night at FinCon. Journey To Launch was nominated as a finalist in the Best New Podcast and Best New Blog categories and while I didn’t win, I’m really amazed that a blog I only got really serious about at the beginning of this year and a podcast that I just launched in July was recognized by you my audience and my peers in the personal finance space as the best of the best. I was really up against some great blogs and podcasts. You can check out the full list of Plutus Awards finalists here and the winners here . Also, as a gift to you, I'm giving away one of my favorite personal finance books, The Millionaire Next Door by David Bach. David was one of the keynote speakers at the conference and shared his journey to writing the book and gave us words of encouragement as creators to serve first with our work. Click here to see how you can enter to win David's best selling book, The Automatic Millionaire. Other related blog posts/links mentioned in this episode: My One on One Money Coaching Services The Wealth Building Manual YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link . Connect with me: Journey To Launch Instagram Journey To Launch Twitter Journey To Launch Facebook<

S1 E16 · Wed, October 25, 2017

How Single Mom Naseema Paid Off $300,000 in Debt in 2 Years

As a single mom, Naseema McElroy has a fascinating financial journey story. She went from owning 5 properties to losing it all in the real estate crash to pursuing a career in nursing. Eventually, her nursing degree allowed her to secure a high paying job but she was in tons of debt and still broke.  In this interview with Naseema, we discuss how she was able to forge on in the midst of financial hardships, divorce and becoming a single mom. Her drive and resilience allowed her to bounce back from her setbacks and pay off $300,000 in debt in 2 years. While her financial journey is far from over, she is sharing her story and the lessons she's learned along the way. In my interview with Naseema, we discuss the following:  Naseema's background How she first got into real estate and lost it all in the market crash How getting married and then divorced affected her journey and finances Her journey to paying off $300,000 worth of debt in 2 years  How she balances being a nurse and being a single mom Why she started her business, Financially Intentional Tips for single parents and divorced moms on how to get ahead with their finances Her best advice for someone looking to get out of debt and save more plus so much more Other related blog posts/links mentioned in this episode: Naseema's Site: Financially Intentional   My One on One Money Coaching Services The Wealth Building Manual YNAB  –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my  referral link . Connect with Naseema: financiallyintentional.com Naseema Facebook Page Naseema's Facebook Group Naseema on Instagram   Connect with me: Journey To Launch <a href= "https://www.insta

S1 E15 · Wed, October 18, 2017

How Justin Retired at 33 Years Old & Lives a $100,000 Lifestyle on a $40,000 Budget

Is early retirement possible with kids? How is it possible to live a $100,000 lifestyle on a $40,000 budget?  Through careful saving and planning, Just McCurry from the popular blog rootofgood.com is showing us how he managed to accumulate enough wealth to retire at age 33. What makes Justin's story especially inspiring and relatable is that he was able to do reach Financial Independence even though he had three kids. Now he and his family travel when they please and live a life not confined to a paycheck. On today's episode, Justin I talk about the following: How he got through college and law school with relatively little to no debt When he decided that he wanted to retire early and what steps he took to make sure that it actually happened Some of the foundational things anyone can implement to reach Financial Freedom; optimal spouse selection, good job w/ benefits, maximizing savings, not paying taxes, permanent starter home and making smart investments How he was able to keep the cost of raising kids relatively low How they travel the world for nearly free as a family of 5 How he makes money in retirement and why his net worth continues to increase plus so much more Other related blog posts/links mentioned in this episode: Justin's Blog: Root of Good A couple of Justin's blog posts: Early Retirement at 33 , Summer Vacation in Europe for $10,000  , Living a $100,000 Lifestyle on $40,000 My One on One Money Coaching Services The Wealth Building Manual YNAB -  You can try it free for 34 days and after that its $5 a month or $50 a year. I recommend you at least sign up for the free trial. If you don’t want to continue after the trial, you will have at least practiced active budgeting for a month. If you sign up beyond the 34-day free trial using my referral link , you’ll get a month free and I’ll get a month free, seems like a win-win to me! Connect with Justin: rootofgood.com <a hre

S1 E14 · Wed, October 11, 2017

From Welfare to Running a 6 Figure Business, How Alanya Created Wealth From The Bottom Up

Anyone can build wealth and anyone can start with nothing and turn it into something. Nothing demonstrates that more than today's guest, Alanya Kolberg, creator of Bottom of Wealth. Alanya went from being on welfare and bankruptcy to teaching herself how to invest and now she runs a 6 figure business helping others build their own wealth from the bottom up. Her fearlessness when it comes to learning and teaching others about investing is inspiring and I can't wait to share her story with you. In this episode we talk about the following: How Alanya went from welfare and bankruptcy to running a 6 figure business Why you don't have to be good at numbers or math to build wealth The key foundation and building blocks to wealth If someone should invest while in debt Her love for Roth IRA's and why fees matter Why she doesn't just want to make her kids "rich" plus so much more Other related blog posts/links mentioned in this episode: Alanya's site: Bottom Up Wealth A couple of Alanya's blog posts: Make Your Kids Rich with $10 a Week  ,  Roth IRA's are Financial Life My Coaching Services The Wealth Building Manual YNAB -  You can try it free for 34 days and after that its $5 a month or $50 a year. I recommend you at least sign up for the free trial. If you don’t want to continue after the trial, you will have at least practiced active budgeting for a month. If you sign up beyond the 34-day free trial using my referral link , you’ll get a month free and I’ll get a month free, seems like a win-win to me! Connect with Alanya: bottomupwealth.com On Facebook Connect with me: Journey To Launch Instagram Journey To Launch Twitter Journey To Launch Facebook  Page Join

S1 E13 · Wed, October 04, 2017

Goal Setting, Journey Points & Listener Q&A

We are in the home stretch of 2017. How are you doing with your goals? In this episode, I give you some tips on how to finish out the 4th quarter of the year strong. In order to set goals you can accomplish, you must make them S.M.A.R.T: S- Specific M - Measurable A- Achievable R- Results Focused T- Timely Next, I talk about the different points you can be on when pursuing Financial Freedom. You can either be a Beginner Journeyer, Intermediate Journeyer or Advanced Journeyer. If you want to find out where you fit on the Journeyer scale, take this quiz . Lastly, I answer two listener questions from my voicemail. The first is from Ana who asks if she should take money out of her pension from a previous employer and the other is from Amber who wants to know the financial costs she should consider before going to law school. If you want to leave a voicemail question for me to answer on the podcast, click here .   Other related blog posts/links mentioned in this episode: Where Are You On Your Financial Journey Take the Journeyer Quiz My Coaching Services The Wealth Building Manual YNAB -  You can try it free for 34 days and after that its $5 a month or $50 a year. I recommend you at least sign up for the free trial. If you don’t want to continue after the trial, you will have at least practiced active budgeting for a month. If you sign up beyond the 34-day free trial using my referral link , you’ll get a month free and I’ll get a month free, seems like a win-win to me! Connect with me: Journey To Launch Instagram Journey To Launch Twitter Journey To Launch Facebook  Page Join the private Facebook Group  

S1 E12 · Wed, September 27, 2017

Building Wealth Through Real Estate Investing

Investing in real estate can be very risky yet very rewarding. Learn how Kendra Barnes without knowing much, in the beginning, started her fast-growing real estate empire. It all started when she and her husband had an epiphany while playing a board game which inspired them to get serious about building wealth and they haven't looked back since.  While buying real estate isn't for everyone (as discussed in last week's podcast episode with Kristy & Bryce ), if you do your proper research and invest wisely, you can eventually build a nest egg of asset producing properties that will serve you well on your path to Financial Freedom.  In this episode with Kendra Barnes we discuss the following: How she and her husband owned seven rental units by the time they were 30 years old Why and how real estate is a good or not so good investing option for people What makes someone successful as a real estate investor What are the steps someone can use to buy their very first property (especially if they don't have much money) Tips for someone living in a HCOL area who wants to get into the real estate game  The costs that you should be prepared for when buying and maintaining an investment property and primary residence Why you need to step out of your comfort zone to build wealth plus so much more!   Other related blog posts/links mentioned in this episode: Kendra's site- The Key Resource Naca.com Loftium.com Episode 11- Rejecting Homeownership, Traveling the World & Retiring by 31 Years Old YNAB -  You can try it free for 34 days and after that its $5 a month or $50 a year. I recommend you at least sign up for the free trial. If you don’t want to continue after the trial, you will have at least practiced active budgeting for a month. If you sign up beyond the 34-day free trial using my referral link , you’ll get a month free and I’ll get a month free, seems like a win-win to me! Connect with Kendra: thekeyresource.info on Instagram <a href= "https://www.facebook.com/groups/241836009576155/?ref=bookmarks"

S1 E11 · Wed, September 20, 2017

Rejecting Homeownership, Traveling the World & Retiring by 31 Years Old

Meet Krysti Chen & Bryce Leung, two millennials that decided to invest and retire early rather than buy a home in their high cost of living area, Toronto, Canada. They retired from their jobs at the age of 31 years old by working hard, prioritizing their spending and making smart investments and now they are traveling the world and sharing their experience with us.  Krysti and Bryce decided to figure out a lifestyle that would work best for them and made their dreams of early retirement come true. In this interview, we discuss the following: The actual steps they took to retire at 31 What gave them the motivation to start saving and cutting back on their "spendy" lifestyle and how they continued to keep their expenses in check while growing their income Why they don't believe home ownership is for everyone and dismantling the thought of homeownership as part of the "dream" How they deal with operating in a society where we are conditioned to believe that what we do for a living equals our worth How they manage to travel the world on a moderate budget plus much more! Other related blog posts/links mentioned in this episode: Visit Krysti & Bryce's site- Millennial-revolution.com Blog Posts - Would We Be Richer If We'd Bought A House , How They Got Here Series Part 1 ,   Free Investment Workshop Mr. Money Mustache's Blog  YNAB -  You can try it free for 34 days and after that its $5 a month or $50 a year. I recommend you at least sign up for the free trial. If you don’t want to continue after the trial, you will have at least practiced active budgeting for a month. If you sign up beyond the 34-day free trial using my referral link , you’ll get a month free and I’ll get a month free, seems like a win-win to me! Connect with Krysti & Bryce: Millennial-revolution.com on Twitter <a href="https://www.facebook.com/millennialrevolutionblog" target="_blank" rel=

S1 E10 · Wed, September 13, 2017

How Patrice Washington Became America's Money Maven, A True Rags To Riches Story

What does someone have to go through to come from nothing, become a millionaire, lose it all, only to gain it back all again? Meet, Patrice Washington, America's Money Maven, best selling author, speaker, and money coach. Patrice is also a regular on the Steve Harvey Morning show as his resident finance expert and has also made appearances on Doctor Oz and other major news outlets where she shares her money expertise and tips.  I first met Patrice at Podcast Movement 2017. I was always a fan of her platform and she was so welcoming when I introduced myself. We hit it off immediately and I asked her to sit down with me and chat about her story and rise to become "America's Money Maven" LIVE at Podcast Movement at the FinCon booth. Patrice really opened up about her journey, the highs and lows of what it took to become the woman she is today. In our conversation, we discuss so much, including: Her childhood and how it shaped her to be a go-getter and entrepreneur How she became a real estate mogul and millionaire by the age of 25 Her lowest point of losing all of her money and investments which led her to an epiphany that would change everything How seeking wisdom and following her purpose allowed her to gain it all back and more The steps she took to become who she is today Why becoming mentally fit with your finances is a key to lasting financial success Other related blog posts/links mentioned in this episode: Visit Patrice's site- PatriceWashington.com  Patrice's podcast - Redefining Wealth Patrice's old blog Patrice's latest book- Real Money Answers   YNAB -  You can try it free for 34 days and after that its $5 a month or $50 a year. I recommend you at least sign up for the free trial. If you don’t want to continue after the trial, you will have at least practiced active budgeting for a month. If you sign up beyond the 34-day free trial using my referral link , you’ll get a month free and I’ll get a month free, seems like a win-win to me! Connect with Patrice: PatriceWashington.com Patrice <a href="https://twitter.com/SeekWisd

S1 E9 · Wed, September 06, 2017

End Financial Stress Now- Pay Off Debt & Save Money On Any Income

Money is a leading cause of stress. How you spend and manage your money directly stems from what you think about and how you feel about money. In this episode, I talk to Emily Guy Birken, an accomplished finance writer whose latest book "End Financial Stress Now" walks you through the exact steps on how to achieve the mindset of financial flexibility and improve your financial outlook. Even if you don't feel overly stressed about your money, the concepts explained in this book will help you understand your relationship with money.    Here are just some of the things we discuss in this episode: Why it's important to put a space between our finances and how we FEEL about our finances How to figure out what money means to you How to use the "Five Why's" exercise to get to the root of your money problem The emotional meaning we assign to money and how that translates into how we treat money How to rid yourself of the scarcity mindset The Four Money Scripts and how to identify which one you use in your life  Actual steps to take to improve your financial outlook plus so much more Other related blog posts/links mentioned in this episode: Get a copy of Emily's book- End Financial Stress Now  Where Are You On Your Financial Journey? (How To Identify Your Journey Position)   www.asktrim.com www.truebill.com YNAB -  You can try it free for 34 days and after that its $5 a month or $50 a year. I recommend you at least sign up for the free trial. If you don’t want to continue after the trial, you will have at least practiced active budgeting for a month. If you sign up beyond the 34-day free trial using my referral link , you’ll get a month free and I’ll get a month free, seems like a win-win to me! Connect with Emily: www.emilyguybirken.com Emily on Twitter Emily on Facebook  Connect with me: Journey To Launch Instagram Journey To Launch

S1 E8 · Wed, August 30, 2017

A Step by Step Guide To Pay Off & Stay Out Of Debt

Before you can begin to truly focus on building wealth, you have to get serious about paying off and staying out of debt.  Follow these 8 steps and you will be on your way to debt freedom.  Here are some of the things I discuss in this episode: My experience at Podcast Movement from recording my first LIVE interview with Patrice Washington which will be released soon, recording another guest appearance on the award winning Stacking Benjamins podcast and meeting a woman I truly admire in the personal finance and podcasting arena, Hilary Hendershott . My own debt journey of paying off $80,000 to $100,000 of debt  The 8 Steps to Paying Off & Staying Out Of Debt (click here to see the steps) How being uncomfortable and staying the course on your journey will allow you to reach your ultimate goals.  Other related blog posts/links mentioned in this episode: The original blog post- 8 Steps To Pay Off & Stay Out Of Debt 3 Ways To Use A Home Equity Line To Reach Financial Freedom   Click here to get the FREE Debt Payoff Blueprint to help you annihilate that debt.   YNAB -  You can try it free for 34 days and after that its $5 a month or $50 a year. I recommend you at least sign up for the free trial. If you don’t want to continue after the trial, you will have at least practiced active budgeting for a month. If you sign up beyond the 34-day free trial using my referral link , you’ll get a month free and I’ll get a month free, seems like a win-win to me!   Connect with me: Instagram Twitter Facebook  Page Join the private Facebook Group

S1 E7 · Wed, August 23, 2017

How To Negotiate a $25,000 Raise

Income is the driving force of the wealth formula. If you want to get out of debt, save or invest at an accelerated rate, the fastest way to do it, is through earning more money. Would you like to learn insider HR tips on how to ask for a raise and get paid your worth? Better yet, would you like to hear how one woman negotiated a $25,000 raise?  In this week's episode, I talk to Dorianne St Fleur of YourCareerGirl.com . Dorianne is an HR professional, certified business and career coach whose work focuses on teaching professionals how to unlock authentic and fulfilling careers. Her work has been featured on Business Insider, Huffington Post, Inc., Fast Company, The Muse and Working Mother.  Dorianne is breaking the Human Resources code and sharing all the insider secrets on how to negotiate a higher salary at your job. Even if you're not working in the corporate world, this interview is jam packed with great tips and actual scripts you can use when having the salary conversation with your boss or while on the hunt for a new job.  More of what you can find in this episode: How to research your salary and figure out if you're being underpaid What to say when you have that awkward salary conversation with your manager 3 things you can do  optimize your Linkedin page and land job offers in your sleep Strategies to become a top earner The best ways to achieve the elusive work-life balance plus lots more! Dorianne's website- YourCareerGirl.com Dorianne's podcast- Deeper Than Work (Subscribe on   iTunes   SoundCloud ) Glassdoor YNAB -  You can try it free for 34 days and after that its $5 a month or $50 a year. I recommend you at least sign up for the free trial. If you don’t want to continue after the trial, you will have at least practiced active budgeting for a month. If you sign up beyond the 34-day free trial using my referral link , you’ll get a month free and I’ll get a month free, seems like a win-win to me! Connect with Dorianne Follow Dorianne on Facebook   Twitter  , <a href= "https://www.instagram.com/yourcare

S1 E6 · Wed, August 16, 2017

Improve Your Mindset & Stay Focused on Your Financial Journey

To reach your personal finance goals you have to develop a positive mindset. I talk with Fifi Buchanan of the Divine Hostess blog and the Wonderfully Made podcast . Fifi focuses on a holistic approach to wellness, cooking, and lifestyle improvement. On her podcast, Wonderfully Made, Fifi provides tips on how to live a more balanced and fulfilled life by improving daily habits and pursuing wellness. I first met Fifi on Instagram. I announced that I was launching my podcast and needed supporters for my launch campaign. Fifi, without knowing me, graciously signed up to lend her support to my campaign and gave me words of encouragement. She also mentioned that she had a podcast and I immediately went to check it out. Once I started listening, I was enthralled with Fifi's calming approach to overcoming internal obstacles and her wellness tips. I saw the importance of the topics that Fifi talked about and how it related directly to one's Financial Journey, so I invited her on the podcast. Here's just some of what we discuss: The limitations that come with comparison and how can we stay focused on our own journey. Tips to overcome negativity, doubt, and fear so that we can move toward our goals. How to make peace with where you are and where you want to be without getting discouraged and angry. How to forgive ourselves for past mistakes. How to stay focused on goals that seem so far away The importance of treating ourselves and self-care How to eat well on a budget plus so much more! Other related blog posts/links mentioned in this episode: Fifi's blog- The Divine Hostess Fifi's podcast- The Wonderfully Made podcast (Subscribe on   iTunes   SoundCloud ) The Three Thieves  &  The Limitations that Come with Comparison  episodes from the Wonderfully Made podcast YNAB -  You can try it free for 34 days and after that its $5 a month or $50 a year. I recommend you at least sign up for the free trial. If you don’t want to continue after the trial, you will have at least practiced acti

S1 E5 · Wed, August 09, 2017

Becoming a Millionaire on a Teacher's Salary

Is it possible for a millionaire to become a teacher salary? In this episode, I talk with Ed the Millionaire Educator. I first learned about the 457 plan from Ed when he was a guest on another podcast. If you listened to Episode 2,  How We Saved $85K, you'll know that I credit access to a 457 plan through my husband's job as one of the ways we were able to maximize our savings last year. It really changed the game for us.  In this episode with Ed, we discuss: How he paid off $45,000 and saved $100,000 in 5 1/2 years The benefits of a 457 Plan and how to figure out if you have access to one Why the fees that you pay on your investment accounts matter How to become more tax efficient and how tax planning can substantially increase your ability to save and invest Ways to save and invest no matter your income How to live a good life while saving more than half of your income Other related blog posts/links mentioned in this episode: Ed's post's- 2017 Free Money  , How We Saved $500,000 in 4.5 Years , YNAB -  You can try it free for 34 days and after that its $5 a month or $50 a year. I recommend you at least sign up for the free trial. If you don’t want to continue after the trial, you will have at least practiced active budgeting for a month. If you sign up beyond the 34-day free trial using my referral link , you’ll get a month free and I’ll get a month free, seems like a win-win to me! Connect with Ed: millionaireeducator.com Follow Ed on Twitter Connect with me: Instagram Twitter Facebook  Page Join the private Facebook Group  

S1 E4 · Wed, August 02, 2017

25 Ways To Improve Your Finances Right Now

Get 25 ways to improve your finances right now. This episode gives you 25 actual steps that you can take today in order to start making strides towards your financial goals. To make the list more manageable, select 2 -4 things you can do per day over the next few days.  Some of the tips I discuss are: Download and organize your banking and personal finance apps Set aside time for a “Money Check-in” Improve your financial circle of influence Place more value on experiences, not things Find the full list in the related blog post: 25 Ways To Improve Your Finances Right Now Click here to sign up for access to the Resource Library and download the FREE 25 Ways To Improve Your Finances Right Now Checklist to help you keep track of what things you implement.   

S1 E3 · Wed, July 26, 2017

Investing Your Way To Freedom + Investing Basics w/ Cassandra Cummings

I talk to Cassandra Cummings, president of RC Wealth Management, LLC, a Registered Investment Advisory firm and the Founder of The Stocks & Stilettos Society, an investment community of women. She’s been working for over 10 years to transform financial lives. I first connected with Cassandra on Instagram. She came on my IG LIVE broadcast to leave a positive word of encouragement when it came to starting and running a business. Later on, we connected in a Facebook group we are both members in and I did a Facebook LIVE in her Stocks & Stiletto’s group discussing my own investment strategies. Since then, I’ve considered Cassandra my virtual #goalmother. I admire the way she runs her businesses and the way she cultivates and helps her community. Her Stocks & Stilettos group ride hard for her! In this episode we cover: The different types of investments to invest in How to begin if you have only a little amount of money to invest What someone should do if they have no idea where to begin Why even if you have debt you shouldn’t wait to start investing How to evaluate a company you want to invest in What’s the next “big” thing you should invest in How to start your kids on the path to wealth by teaching them about investing plus much more Related Blog Post: http://www.journeytolaunch.com/why-i-finally-started-index-investing-how-i-got-over-my-fear/ Investing apps/platforms mentioned in the episode: Acorns Stash Robinhood Vanguard Recommended Investing books: Girl Make Your Money Grow Rich Dad's Guide to Investing Warren Buffett Invests Like a Girl: And Why You Should, Too Connect with Cassandra http://cassandracummings.com/ http://stocksandstilettos.co Stocks & Stilettos Facebook group Cassandra on: Instagram Twitter Facebook Connect with me: Instagram

S1 E2 · Wed, July 26, 2017

How We Saved $85K in 12 Months + How You Can Save More Too

Find out how we saved $85K in 12 months. In this episode you'll learn: How I got over my fear of sharing the actual numbers to the “world” The types of savings and investing accounts we used How budgeting and the 457 Plan changed the game for us and allowed us to invest even more How to create, set up and stick to your own savings goals   Other related blog posts mentioned in this episode: How we Saved $85,000 in 12months + Tips on How you Can Save More Too Mid-year Update on our $93,100 2017 Savings Goals + Takeaways to Apply to Your Own Goals Are you on Track to be Broke or Financially Free in Retirement + 25x Rule Explained YNAB -  You can try it free for 34 days and after that its $5 a month or $50 a year. I recommend you at least sign up for the free trial. If you don’t want to continue after the trial, you will have at least practiced active budgeting for a month. If you sign up beyond the 34-day free trial using my referral link , you’ll get a month free and I’ll get a month free, seems like a win-win to me! Connect with me: Instagram Twitter Facebook  Page Join the private Facebook Group Get the full episode show notes and more at www.journeytolaunch.com/episode2

S1 E1 · Fri, July 07, 2017

The Intro Episode- Launching You To Financial Freedom, Why I Started The Podcast and More

Learn more about myself and what Journey To Launch is all about. I cover: My backstory, where I grew up and how being raised by a single mom help teach me the value of money at an early age My crazy 3-4 hour driving commute and the mental breakdown that occurred when I was pregnant with my first son and how that made me want to figure out a way to retire early Why I started Journey To Launch & why I started the podcast What you can expect from the podcast, what the show format will be and the types of topics that will be discussed   P.S. I recorded this introductory episode at least 4x already but I’ve made up my mind that the one you are hearing now will be the last take. I realized that I was being too critical of myself and that I couldn’t get everything to be perfect as I’d like. But that’s the beauty of this journey. Everything doesn’t have to perfect, you’ll get better the more you do and push yourself forward. Other related blog posts mentioned in this episode: Behind The Scenes of The Journey To Launch Podcast - part 1  & part 2 My Journey To Launch 10 Interesting Facts About Me   Connect with me: Instagram Twitter Facebook  Page Join the private Facebook Group