rich & REGULAR with Kiersten and Julien Saunders
rich & REGULAR 256 episodes Oct 23, 2026
rich & REGULAR is a personal finance podcast hosted by Kiersten and Julien Saunders for people who want to take charge of their money, pay off debt, build wealth, and live well without being obsessed with money. Each week they explore how money intersects with everyday life and share practical insights for making, saving, and investing in creative and unconventional ways. They also discuss larger changes happening in the world and how listeners can adapt. The show’s philosophy is that being rich and famous is overrated, while being rich and REGULAR is where it’s at.
Episodes
Ep 255: How to find extra money for holiday shopping now
Holiday shopping has a way of making even a reasonable budget feel inadequate. Between gifts, gatherings, school events, and all the little things that pop up between now and December, there's almost always something you forgot to account for.And while there's no shortage of advice about how to spend less during the holidays, we're interested in something a little different – how to
Ep 254: Is your credit card annual fee still worth it?
Isn’t it funny how we’ll side-eye Netflix over a $2 price increase, but somehow let a credit card quietly charge us $500, $700, even $895 a year without asking nearly as many questions? This episode is about why we give those increases so much more grace, and whether we should.Once you’ve convinced yourself you’re the kind of person who knows how to “maximize the benefits,” the annual fee can star
Ep 253: How to save money on groceries when everything is expensive
Groceries are expensive, eating out is expensive, and somehow the advice for spending less on food is still “make a list.”Meanwhile, feeding yourself has gotten weirdly strategic these days. Between higher prices, smaller packages, busy schedules, food waste, and recalls, the smartest grocery strategy is simply getting better at buying for the life you actually live.So in this episode, we’re shari
Ep 252: What we argued about after the accident (life update part 2)
Part 1 was Julien’s version of what happened, this is the part where I get to talk lol. Because apparently, one of the side effects of a family emergency is finding out exactly what you disagree about when everybody’s tired, somebody’s in pain, and your normal division of labor has completely fallen apart.The injury may have been his, but the emergency affected all 3 of us, which meant we all had
Ep 251: I spent the last 5 months learning how to walk again (Part 1)
We’re back! We’ve been gone for months, and a lot of you have asked where we’ve been. The answer starts with a freak accident at Beau’s baseball practice, but that’s only the beginning. What followed was surgery, months without being able to walk, a crash course in pain management, caregiving, muscle loss, mental health, and learning the limits of “for better or worse.” Julien starts with his side
Ep 250: The problem with hearing “AI” and assuming your career is over
This week, we’re talking about what’s really going on in the AI layoff era, and why the way you interpret that moment matters almost as much as the layoff itself. If all you hear is “a robot replaced me,” it’s easy to spiral, panic pivot, and start solving the wrong problem. But if you know how to read the room, you can make smarter decisions about your career, your money, and where to go from her
Ep 249: We asked Gen Z about money. Their answers were a wake-up call
We spent a week talking to hundreds of high school seniors about money, and they gave us more hope than we expected. Underneath the stereotypes about “kids these days,” we found a generation that already understands more than adults give them credit for, while still being dangerously underprepared for some of the biggest financial decisions of their lives.So this week, we’re talking about what sto
Ep 248: We need to talk about sports gambling
There’s a casino in everybody’s pocket now, and it’s wearing a jersey.This week’s episode is about sports gambling, why it’s exploding right now, and the data that should make you pause before you normalize it in your house, your group chat, or your relationship.We promise this isn’t an anti-fun sermon, it’s a reality check. If you’re someone who sports bets but has real limits in place…tell us wh
Ep 247: The Student’s Guide to Financial Freedom with Dr. Paris Woods
Most money advice for students is either condescending or delusional, and this episode is neither. This one is for the students…and for the parents, aunties, mentors, and big cousins trying to help without lecturing. Today I’m joined by Dr. Paris Woods, bestselling author of The Black Girl’s Guide to Financial Freedom and the new Student’s Guide to Financial Freedom. We talk about what she saw gro
Ep 246: New Money, New Problems: Finding advice you can trust with Brenton Harrison, CFP
This week, we’re joined by Brenton Harrison, founder of New Money New Problems. Brenton is a financial advisor who works with first- and second-generation high earners. We’re talking about how to tell the difference between quality financial advice and misinformation/scammy advice, making sense of what you hear online, and why not all “good advice” is good for YOU. And because we live in the real
Ep 245: The simplest way to talk about money without making it weird
There are two sentences that can ruin a perfectly normal evening – “We need to talk”, and its evil twin, “We need to talk about money.” Even if your relationship is good, that phrasing makes it feel like somebody’s about to get graded. Even when things are fine, nobody wants to be the person who turns a decent Tuesday night into a full relationship audit. So this week, we’re introducing a better w
Ep 244: Overcoming Financial Trauma with Rahkim Sabree
This week we’re talking to Rahkim Sabree, author, financial trauma educator, and the person who basically put “financial trauma” on the map for a lot of the internet. His work connects money behaviors to nervous system responses, family systems, and broader cultural and structural realities. His book, Overcoming Financial Trauma, and his whole approach are research-heavy, emotionally honest, and b
Ep 243: How to stay financially disciplined when life is life’ing
Life is life-ing. Prices are up, surprise expenses are regular, and your “simple” money goal keeps turning into a weekly argument with yourself (or your partner).In this episode, we talk about why so many people are either going full finance drill sergeant in 2026, or avoiding goals completely. We break down what financial discipline actually looks like when your life changes mid-month, and how to
Ep 242: How to lower your utility bills
There’s nothing like a surprise utility bill to humble your whole household. If you’ve ever stared at a bill wondering ‘how?!’ well, let’s talk about it. This week on the rich & REGULAR podcast, we're breaking down emotional manipulation, confusing rate plans, and overlooked hacks that are costing you real money on your gas, electric, and water bills.This isn’t about living in the dark or
Ep 241: What to do before you start decluttering
When life feels loud, getting rid of stuff can feel like relief. But if the stuff keeps coming back, the real issue is usually what the purchases were trying to solve in the first place. So this is an episode about what to ask yourself before you fill the donation bags.We’re talking about materialism as a pattern and what happens when your things stop just being “things”. Kiersten gets personal
Ep 240: 3 simple fixes that improve home cooking
Today’s episode is brought to you by Nutre Meals, a practical solution for eating better at home when you don’t have time, energy, or interest in cooking every night.The meals come fully prepared, fresh, and ready to heat in minutes. We tried them and were honestly impressed by the flavor, portions, and how easy it was to work them into a real week.If dinner feels like one more thing on your list,
Ep 239: Hot take: “Affordability” will be the most loaded word of 2026
This is our annual “what to expect in the new year” episode, and our hot take is “affordability” is about to be the most overused, and least understood, word of 2026. You’re going to hear it everywhere, and this week, we’re explaining why that should make you a little nervous.We break down why affordability is becoming the new catch-all word for economic stress, how it’s being used to sell certain
Ep 238: My book review of The Art of Spending Money by Morgan Housel
Kiersten here. This week’s episode is a solo one, and it’s inspired by a book I just finished called The Art of Spending Money by Morgan Housel. If you’re familiar with The Psychology of Money, you already know Morgan’s style: short chapters, clean sentences, and big ideas. This new book is about spending but not the kind most people are struggling with.In this episode, I unpack:Who this book is r
Ep 237: How volunteering changed the way we think about work
In a year full of work drama and career pivots, our most eye-opening lessons came from the places no one talks about on LinkedIn. Somewhere between the PTA meetings, school drop-offs, HOA group texts, and community events, we kept bumping into reminders that real work doesn’t always pay. And that’s kind of the point.This week, we’re unpacking what happened when we leaned all the way into volunteer
Ep 236: What a late ADHD diagnosis taught me about money and myself
Kiersten here. It’s just me this week.It’s been two years since my ADHD diagnosis, and in that time I’ve learned a lot. In this episode, I’m sitting down solo to unpack what this label actually changed, what it didn’t, and what I’ve had to unlearn about focus, money, and identity along the way. I’m revisiting the journey to speak directly to anyone navigating their own diagnosis (or the suspicion
Ep 235: Resourcefulness in hard times - What to do when help isn’t coming
We’re 30+ days into a government shutdown, SNAP benefits are disappearing, layoffs are ongoing, and a catastrophic storm just hit Jamaica. But beyond the headlines, people are privately struggling with job loss, evictions, food insecurity, and the mental toll of trying to “stay positive” when everything feels urgent.In this week’s episode, we talk about how to be resourceful in the real, messy, &q
Ep 234: Open Enrollment is here: Don’t auto-renew without listening to this
It’s that time again…open enrollment season. And while we know this topic doesn’t get anyone out of bed in the morning, it SHOULD. Because buried in that HR email you ignored is a decision that could cost or save you thousands.This week, we’re breaking down why so many people just auto-renew last year’s health plan, what rising premiums in 2026 actually mean for your wallet, and how AI can help yo
Ep 233: What we learned about Homeowners Insurance from Consumer Reports
We recently teamed up with Consumer Reports on an eye-opening project that made us rethink how we evaluate, purchase, and engage with our homeowners insurance policy. This week’s episode is about what we learned.Here’s what we unpack:Why homeowners insurance is way more confusing and critical than we thoughtWhat’s driving double-digit rate hikes (even if you’ve never filed a claim)How your dog, HO
Ep 232: Introducing ‘Eat Better’ | The series that helps you cook without losing your mind
Food prices are up (again), takeout is 4x more expensive than eating at home, and yet somehow..dinner still ends up on your doorstep. That’s exactly why we created Eat Better, a new video series that makes home cooking feel doable, even if you're not “a cooking person.”In this episode, we're breaking down why so many people aren’t cooking at home, and what it really takes to change that.
Ep 231: Credit 101 for grown folks: What it is and what it isn't
If talking about credit makes you anxious, confused, or just flat-out annoyed… you're not alone. In this episode, we break down the truth about credit scores and reports: what they are, how they work, the most common myths people believe, and why it’s time we stop treating credit like a moral compass.Whether you’re building credit for the first time, trying to bounce back from a rough patch,
Ep 230: Are you rich, regular, or something else? Take our 5 question quiz and find out
This episode is sponsored by NordProtect. To save up to 59% on annual plans for NordProtect visit https://nordprotect.com/richandregular and use code RICHANDREGULARThis week, we’re breaking down three money identities we’ve seen over and over again. None of these are “good” or “bad,” they’re more like energies, instincts, patterns we’ve all lived at some point. And just like a horoscope, you might
Ep 229: The only budgeting advice that matters
If budgets are supposed to keep us on track, why do so many of them make us feel stuck instead? In this episode, we talk about why the most common advice fails and what actually works when life keeps changing.The problem with budgets isn’t discipline, it’s design. Most advice assumes your income, expenses, and goals stay the same forever. Ours doesn’t, and neither should yours.We get into:Why the
Ep 228: ‘Retire Often’ with Jillian Johnsrud | Why your next break should be a mini-retirement
What if retirement wasn’t a one-time event at the end of a long career, but a rhythm you could build into your life right now?In this episode, we're joined by the brilliant Jillian Johnsrud, whose new book Retire Often flips the script on traditional retirement. Instead of waiting 40 years to enjoy life, Jillian makes the case for taking intentional mini-retirements throughout your career by
Ep 227: 10 Years In | Money, marriage, and the lessons we didn’t see coming
This week we’re celebrating our 10 year anniversary by sharing some lessons about money, partnership, and staying excited about the long game.10 years of marriage isn’t just a milestone, it’s a record of every choice you made together, from buying a house to splitting a check to deciding who’s unloading the dishwasher. Some of those choices aged well. Others? Let’s just say they came with late fee
Ep 226: What it takes to get through your hardest financial year
Some seasons of life are defined by money, and not in a good way. Those years test your patience, your relationships, and your identity. But they can become turning points and leave lessons that last long after the struggle is over.This week, we're talking about the kind of year that stretches everything. When progress feels invisible and the usual advice doesn’t cut it, it’s easy to lose mom
Ep 225: How to tell if your 401(k) plan sucks
Most people only invest for retirement through their employer plan, which means if that plan is weak, your future could be too. But how do you actually know if it’s bad, or if you just don’t understand it yet?In this episode, we break down the three biggest signs your employer plan might be holding you back, and what to do about it.We’ll get into:Why some 401(k) fund menus feel like a restaurant w
Ep 224: How to actually save money on groceries in 2025
Groceries in 2025? Whew. Let’s just say…it ain’t pretty. Prices are still climbing, shrinkflation is in full effect, and Americans are still wasting almost 40% of the food we buy. Add tariffs and supply chain pressures on top, and it feels like we’re paying more, getting less, and throwing too much of it away.The good news is you don’t have to stay stuck in the cycle. In this episode, we’re breaki
Ep 223: Can you actually afford private school?
👉 Catch us co-hosting the Merging into Life podcast with AAA Northeast! The first 2 episodes are live now, and you can listen on Apple Podcasts or here 👈This week we’re pulling the curtain back on a topic that rarely gets talked about honestly, whether private school is actually affordable… even if you can technically write the check.We’re not here to shame anyone’s choices. But if you’ve ever won
Ep 222: Why we don’t share everything (and what we do instead)
We’ve been managing money together for almost a decade, and we’re still learning how to do it better. This episode is part relationship therapy, part financial strategy, and all the things we wish more couples talked about out loud.We’re talking about what it really takes to handle money together in a way that works for both people. Because most couples don’t need to watch each other’s every move,
Ep 221: How to know if your car is costing too much
A lot of people are feeling financially squeezed right now, and they’re blaming everything except their car.Transportation is one of the top three household expenses. Between longer loans, higher interest rates, pricier insurance, and cars that lose value faster than ever, owning a car has gotten way more expensive in the last few years. And yet most of us still treat the car note like it’s untouc
Ep 220: How to give yourself a raise without changing jobs
We all want a raise, but what if you didn’t have to wait for your boss to give you one?In this episode, we’re breaking down how to actually give yourself a raise without changing jobs, negotiating with HR, or picking up a side hustle. From canceling forgotten subscriptions to rethinking professional services, we're exposing the cash leaks hiding in plain sight and showing you how to reclaim m
Ep 219: What our book 'Cashing Out' still gets right 3 years later…
When we published our book Cashing Out in 2022, we knew we were making bold claims about work, money, and freedom. What we didn’t know was just how fast the world would catch up to them.In this episode, we revisit our book 3 years after its release to reflect on the stories, predictions, and uncomfortable truths that still hold up in 2025. We also share what we’ve learned since, and why the book c
Ep 218: What to do with your money when the world feels unstable
This week’s episode is a rare one that we recorded the same day it’s released, because… well, life is happening fast.After taking a much-needed break, we returned to headlines that changed the tone of the summer and the temperature of the market. In this episode, we’re talking about how to manage your investments during times of global instability and uncertainty. This isn’t advice or hype, it’s o
Ep 217: The $40 Billion Hobby | How to Stop Overspending on Youth Sports
Youth sports are not just sports anymore. They’re a $40 billion+ industry and in this episode, we’re getting all the way into it. We’re talking about the emotional pressure, the social expectations, the team group chats, the $75 photo packages that somehow still exist in 2025, and why nobody tells you the signup fee is just the beginning. Whether you're new to the world of cleats and concessi
Ep 216: 3 questions to ask before you quit your job (that have nothing to do with money)
In this episode, we’re talking about how to know when it’s REALLY time to go. Not when your manager makes it unbearable, not when the reorg finally hits, but when YOU decide that staying is costing more than it’s worth.We break down the three questions that have helped us walk away from “good” jobs and build a better life on the other side. We talk about what your job is teaching you (even when yo
Ep 215: The 3 spending personalities and how to budget with yours
Most money advice assumes you’re either bad at math or just need more discipline, but what if the real reason your budget isn’t working is because it was never designed for how you actually spend?In this episode, we revisit a section from our book Cashing Out that recently got new life thanks to a great piece written by our friend Leo Aquino for Business Insider. It’s all about the three emotional
Ep 214: Get paid to learn: Our advice for the Class of 2025
Every year, we set aside an episode just for new grads, and this year’s version is an evolved view of last year’s advice to “Get Paid”. Because let’s keep it a buck, the Class of 2025 is graduating into a mess.The job market is weird, AI is replacing entry-level work, internships aren’t converting, and employers say they’re hiring, but for what? Meanwhile, everything is expensive and everyone onli
Ep 213: How to make extra money without starting a side hustle
Sometimes you need a little extra money, but what you don’t need is another boss, a second shift, or a business plan you’ll never finish. In this episode, we’re walking through some of the most overlooked ways to earn extra income. Everything from plasma donation, junk hauling, voiceovers, waiting in line, and a few others I can’t put in the description without attracting a bunch of bots. We’re ch
Ep 212: If you’ve ever worked for yourself (or dreamed about it), hit play
This week’s episode is about decision-making and how to know what’s actually worth it when you work for yourself.We recorded this right after speaking at a conference in Jamaica where we walked through some of our own real-life crossroads as business owners with a group of entrepreneurs. The talk resonated so deeply, the only feedback we got was: “Can you just put this all on one page?”This is our
Ep 211: What tariffs teach us about Financial Literacy
It's the last Monday of Financial Literacy Month 2025, and unless you’ve been living under a rock or blissfully disconnected, you’ve probably heard the noise about tariffs lately. U.S. tariffs on Chinese imports are climbing as high as 145%, with threats to go even higher. And while it’s tempting to think that’s a political issue, the truth is tariffs effect your wallet and budget. In this ep
Ep 210: Everything you were never taught about bankruptcy
This week, we’re breaking down bankruptcy in the way it should’ve been explained all along: without shame, without legal jargon, and without the “womp womp” energy we’ve all been taught to bring to it.You’ve probably heard of Chapter 7. Maybe even Chapter 13. But unless you’ve filed for bankruptcy, or know someone who has, you’ve likely never learned what it actually means.We kick things off with
Ep 209: Getting paid to move? Is moving two states over the new expat life?
What if we told you there are cities in the U.S. that will pay you to live there?In this episode, we're following up on our popular expat conversation with a deep dive into domestic relocation incentives. We’re talking cash grants, down payment assistance, tax breaks, bikes, and even golf memberships offered by places you may have never considered calling home. Think Jackson, Michigan. Pawnee
Ep 208: Van Life and why living in a car still freaks people out
Most people aren’t neutral about the idea of living in a car, and that’s exactly why we needed to talk about it.This week, we dig into the stigma, structure, and stories behind van life. It’s not a guide on how to gut a Sprinter or stealth-camp in a Target parking lot, it’s a deeper exploration of what it means to live differently and why that still freaks people out.From the viral story of Dawn R
Ep 207: 3 practical tips for couples living on one income right now
This week, we’re sharing 3 of our best tips on how to live on a single income. It's a topic that might feel distant, perhaps even undesirable, but for many, it's becoming an increasingly relevant concern.We've lived the single-income life by choice and by circumstance. It's not always pretty, but it can be done. And sometimes, being forced to tighten your belt is the exact kick
Ep 206: Introducing Taste the Impact | Our new mini-doc about food, money, and the future
Links: Watch the 90-second trailer of Taste the Impact Watch the full-length "Taste the Impact" mini-doc nowRegister for the Shifting Wealth, Shaping Futures info session on March 26th Become a member of Invest for Better (it’s free!)This week’s episode is about something personal, political, and, up until recently, way too overlooked: food.We spend a lot of time talking about food, but
Ep 205: Expat life - How to test the waters and decide if you should dive in
This week, we dive headfirst into the very timely topic of expating. Is it just a fantasy fueled by tough times or is there something deeper driving this urge to GTFO? In this episode, we're exploring the layers of this question. We break down the different flavors of expating, from slow travel hacks that let you vibe abroad for a few months with zero paperwork (hello, Schengen Zone!) to the
Ep 204: Women’s History Month 2025 | Celebrating wins and fighting for more
Join a Shifting Wealth, Shaping Futures Circle today: https://investforbetter.org/swsf/ Not quite ready for a circle? Sign up for a free membership with Invest for Better: https://investforbetter.org/membership/Get your ticket to the Northeast FI Camp Women's Weekend: https://khbfinancial.com/northeastficamps/For information about future, co-ed events, sign up for their email list: https://ea
Ep 203: Gen Z isn't the problem...Traditional financial advice is
Are you scratching your head trying to understand Gen Z's approach to…life? You're not alone! This week, we’re exploring the fascinating and sometimes frustrating world of Gen Z finances, why traditional financial advice often misses the mark with this generation, and what actually resonates with them.Every generation thinks they had it hard. And to be fair, most of them did. But Gen Z?
Ep 202: Shareholders are rewriting the playbook for social change
This week, we’re talking about impact investing, which if we’re being honest, is a phrase we used to think was reserved for people who call their parents by their first names. Turns out, it’s one of the closest things we have to financial resistance (with receipts!).This episode drops on the last Monday of Black History Month 2025, a month that, for once, felt less performative. Not because there
Ep 201: Quick Dip | Disney’s too expensive, Diamonds aren’t rare, and CEOs are leaving - What does it all mean?
Is the magic really gone, or are we just over it? This week's episode is a Quick Dip, where we're side-eyeing some old-school markers of success. We thought about calling this the "end of an era" edition but it might be too soon...you tell us! Think childhood trips to Disney, that diamond ring you're 'supposed' to want, and even that climb up the corporate ladder
Ep 200: Playing the long game and building a podcast that lasts
This week marks a significant milestone: our 200th episode of the rich & REGULAR podcast! In this episode, we’re taking a moment to reflect, not just on what we've built, but on the path we took to get here. Here’s what we cover as we peel back the curtain on the podcasting process:Our most memorable/favorite episodes It's more than just talking; it's an investment. From the upf
Ep 199: Our answer to "Is it too late to start investing?"
This week we’re talking about "late bloomers" — the "over 40, mid-life-ish, but don't-say-that-to-us" gang who are just now getting their financial life together.This was a requested episode so we're skipping the generic "just do it" advice and getting into the nitty-gritty of what it actually takes to build wealth when you're not starting in your 20s.
Ep 198: What happens when we stop shopping?
This week’s episode is all about shopping bans and the no-spend trend. This month our social media feeds have been flooded with one thing: people swearing off shopping. Like, really swearing it off. We see everything from no-spend months, to shopping bans, and even boycotts. And we get it. After the consumerist frenzy of the holidays, that pull towards simplicity or a “less is more” approach almos
Ep 197: How to spot a scam
This week, we’re dissecting the art of the modern scam. We've all experienced the subtle unease of a pitch that just doesn’t feel right, but in an era where the line between marketing and deceit is dangerously thin, it’s important to stay aware so you don’t get hoodwinked and bamboozled. We Discuss:Why we need to stop confusing charm with legitimacyHow corporations are now using MLM tacticsWh
Ep 196: Take your seat at the table with Anthony O’Neal
This week, we're joined by entrepreneur, speaker, and author, Anthony O'Neal. You may know him from his incredibly popular YouTube channel or, maybe, from his previous book, "Debt-Free Degree." But Anthony's back with a new book called "Take Your Seat at the Table," which is all about taking control of your life, money, and future.If you’re unfamiliar with his wo
Ep 195: The money trends you can’t ignore in 2025
This week, we’re breaking down the top stories and trends that will shape how we all earn, spend, and invest our money in 2025. And we’re not just looking at the year ahead, we're confronting the messy reality of now.If you're feeling like the financial ground is shifting beneath your feet and like the old rules don't apply anymore, then this episode is for you. If you're tired
Ep 194: New Year, New Why: A Purpose-Driven plan for 2025 with Dr. Jordan Grumet
Is your "purpose" making you anxious? Do you feel like everyone online is "living their best life" except for you? Then you've come to the right place. It's January and you're probably knee-deep in resolutions that may or may not last past the first week. But forget the trendy diets and the overly ambitious gym routines. This year, we're going deeper and tal
Ep 193: How we say no when people ask for money
This week we’re diving headfirst into the one word that can save your budget and your sanity: NoJulien kicks things off with some personal stories about recent awkward moments when "friends" ask for money, which sets the stage for a much-needed conversation.For some of us, saying "no" can feel just plain wrong, especially during the season of giving. This isn't your typica
Ep 192: How we eat good without going broke
The latest inflation report shows that grocery prices are back up, making something as basic as eating feel like a financial tightrope walk. So this week, we're rethinking how we define "good" food and making a case that the best meals can be both cheap and delicious by sharing 3 of our favorite cheap meals. Hopefully you walk away from this episode feeling slightly less guilty abou
Ep 191: Rethinking Emergency Funds for modern times
We’re still revisiting fundamentals and this week we’re asking: Is your emergency fund actually an emergency fund, or just a well-intentioned savings account collecting dust (and maybe a tiny bit of interest)? In this episode, we unpack the truth about financial emergencies and reveal the flawed logic behind the old ‘3-months of expenses’ rule. Let’s be honest, climate change, unexpected job losse
Ep 190: Is 'buy and hold' still relevant?
We took a mini-break (and you KNOW we needed it) but we're back, and today we're tackling the sacred cow of financial planning: BUY AND HOLD. Let's face it, investing isn't a spectator sport and the pandemic proved that even the most "set-it-and-forget-it" advice can get messy. Plus research shows investors are holding stocks for less time than ever before. So this we
Ep 189: Underconsumption explained: How to live below your means and love it
This week, we’re unpacking the surprisingly trendy world of underconsumption. Is it a Gen Z TikTok trend? A millennial coping mechanism? A wise old soul's secret weapon? The answer is YES to all of the above.In this episode, we cover:How to avoid overspending this holiday season on food and gifts. We even share our hard-won lessons on dealing with impulsive buying, managing the expectations o
Ep 188: The political divide is more than just red vs. blue
This week, we’re unpacking the raw emotions and anxieties that followed the recent election. We explore the stark reality of a country deeply divided, not just politically, but also in terms of our visions for the future. This election wasn't just about who won. It was about a country that, frankly, feels more like it's been severed in half than unified. It’s a deep, messy reality and we
Ep 187: The 2024 Presidential Election and the Price of Everything
It’s 2024, and inflation is the number one concern for voters. Today we’re unpacking both candidates' distinct approaches to addressing it. We discuss Kamala Harris's and Donald Trump's plans for tackling the rising cost of living, taking a closer look at their proposals and the underlying political and economic philosophies that drive them. Prepare yourself for an interesting and h
Ep 186: Preparing for a different life with Dr. Preston Cherry
In this special solo episode, Julien and Dr. Preston Cherry discuss the intersection of financial planning and personal well-being. Dr. Cherry brings a unique perspective and combines the rigor of financial expertise with the nuanced understanding of a therapist. He's here to tackle those awkward conversations with your partner about finances, the "financial harmony" that's mor
Ep 185: ‘The Quick Dip’ | Cord Cutting, Social Security, and the Stock Market
This week, we're returning to our "Quick Dip" format, where we explore three timely topics, giving you the need-to-know without the fluff.First up, is cord-cutting still worth it? Julien shares his long history of cord-cutting, which began long before he met Kiersten, and she shares her own journey to embracing a cable-less lifestyle. We discuss the pros and cons of traditional cabl
Ep 184: How to automate your savings (and finally get ahead)
This episode is for anyone who's ever said, "I wish I could just save more money" because we're spilling the tea on how it’s done (and more specifically, how to automate it) PAY YOURSELF FIRST. Yes, it sounds simple, but it's the kind of simple that's surprisingly difficult to pull off when you're battling bills, student loans, and a dozen ads featuring the late
Ep 183: The "Great Salary Reset" and the do’s and don’ts of taking a pay cut
This week, we're unpacking the murky waters of pay cuts and those awkward conversations where your boss wants you to do the same work for less. It's an increasingly common brutal reality, but you don't have to just roll over and take it.We explore the different types of pay cuts: those forced upon you (like when you're forced back into the office) and those you choose (like a l
Ep 182: Cashing In: NIL and the New Business of Being a College Athlete
This week we're diving into the world of NIL, or Name, Image, and Likeness, and how this new, HUGE opportunity will impact youth sports. Think you're not impacted by NIL? Think again! This episode is for athletes, parents, coaches, and anyone who wants to understand how NIL is changing the game. And if you've got a kid with any sort of athletic talent, this is definitely a conversat
Ep 181: The No-Hustle Side Hustle: Finding Joy & Freedom in Your Side Gig
We’re all familiar with the pressure to make extra cash, but what if your side hustle wasn't just extra work, but an opportunity to tap into your existing skills? This week we’re discussing long-term side hustles with one of Kiersten’s best friends, Lauren. Lauren's side hustle (teaching fitness classes) evolved into a passion project that fuels her spirit and keeps her bank account heal
Ep 180: Decoding Consumerism | Dr. Marcus Collins on How Culture Impacts Our Spending
Do you ever wonder why you buy things you don't need? This episode explores the fascinating (and sometimes alarming) ways culture shapes our budgets. We’re talking to Dr. Marcus Collins, who is a scholar of the hidden messages of consumption, a marketing professor at University of Michigan's Ross School of Business, and the author of For The Culture. He takes us on a journey into the hea
Ep 179: F.I.R.E. For Dummies with Jackie Cummings Koski
This week, Jackie Cummings Koski, author of "F.I.R.E. For Dummies," sits down with us to share her personal experience and offer some wisdom for anyone, no matter how late they are in the game, to begin building their financial future. This episode isn't your typical FIRE fantasy. As a Black, divorced, single mom who retired with $1.3 million at age 49, Jackie's got the receipt
Ep 178: Franchising 101 | Demystifying the hype
Are you dreaming of owning your own business? Maybe you picture yourself running a bustling coffee shop or a sleek fitness studio in the perfect area of your town. Franchising often seems like the shortcut to that dream – a pre-packaged path to success, where the brand and the system are already in place. But, as with most things in life, the reality is a little less glamorous than the Instagram-f
Ep 177: Choosing a debt payoff strategy and why it matters how you approach it
You've heard of the Snowball and Avalanche methods, but which one is right for you? In this episode, we discuss the nuances of these popular debt payoff strategies, exploring the psychology behind each and how they might affect your financial journey.We're not here to shame you about debt. Let’s be real, in this economy, it's practically a badge of honor to have survived the last fe
Ep 176: How cash-producing assets solve the 'Net Worth vs. Cash Flow' debate
Is it better to focus on building wealth (net worth) or making sure you have enough money coming in to cover your bills (cash flow)? This question represents a classic financial tug-of-war, and the answer, as you might have guessed, is both. So this week, we’re tackling both sides of the argument and reminding you why you don’t have to choose. Cash-producing assets like rental properties, dividend
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