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rich & REGULAR with Kiersten and Julien Saunders

English, Finance, 1 season, 159 episodes, 4 days, 7 hours, 38 minutes
About
Not rich and famous. Rich & REGULAR. Sure, it would be great to be famous. But there’s a lot you can do on your income if you’re smart about it. Kiersten and Julien Saunders give out the tips and tricks but also dive deeper into the concepts behind wise money management.
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Ep 163: Beyond Summer Camp | Unconventional ways to fill the summer void

Is summer break a vacation, a project, or a chaotic mess? In this episode, we're diving into the reality of childcare during the summer months, exploring why even high-income families rely on relatives, and why traditional camps and daycare might not be the answer. Join us as we unpack the reality of summer childcare and discover creative solutions to make the break a time for growth, connection, and even some fun!Links: Most Parents Don't Have Any Formal Child Care Arrangements via US Census BureauFull Time Job, Zero Formal Child Care via The CutStarter list of free of cheap summer campsIn this episode:New Data Reveals the Truth: We discuss a surprising new U.S. Census study that shows most parents (61%) rely on non-formal childcare, with relatives topping the list.Beyond the Price Tag: Cost is a factor, but it's not the only thing driving summer childcare choices. Learn how lifestyle choices, family dynamics, and personal situations impact parents' decisions.Creative Solutions: Summer doesn't have to be a constant struggle. We share creative, fun, and often free ways to fill the summer with learning, play, and meaningful experiences for kids.The Power of Community: Discover how to tap into your community for support, from neighbors and friends to college students and teachers who might be seeking side gigs.PTA: Your Secret Weapon: We explore the often-overlooked resources and opportunities available through the PTA.Think Like a Teacher: Learn how to create a flexible summer schedule that's both engaging for your kids and relaxing for you. Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow
5/20/202434 minutes, 7 seconds
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Get Noticed, Get Hired: How to sell yourself and win in this job market

The job market is more competitive than ever. Even with the perfect resume and impressive credentials, landing your dream job (or even a decent one) feels impossible. What's the missing piece?This episode dives into the unspoken truth: you need to learn how to sell yourself.We're tackling the tough questions:Why is self-promotion so important in today's world? We explore how the digital age has changed the game, requiring you to be "twice as findable" as you are qualified.Isn't bragging "icky"? We debunk the stigma around self-promotion, revealing the difference between obnoxious boasting and authentically showcasing your value.I hate social media. Do I really need to be online? We discuss the importance of building a digital presence and offer strategies for making it work for YOU, even if you're not a social media guru.How do I stand out without losing myself? We offer practical tips and frameworks for developing a sustainable self-promotion strategy that aligns with your values and goals.What about the fear of rejection? We share personal experiences and provide encouragement for overcoming the mental hurdles that often hold people back.This episode is for anyone who is struggling to land a job despite strong qualifications, wants to advance their career but feels stuck or is considering entrepreneurship but feels hesitant to put themselves out there.We'll leave you feeling empowered to take control of your career narrative, equipped with a few practical strategies for building your personal brand and inspired to embrace self-promotion as a path to success.Resources mentioned: Brag Better by Meredith Fineman Cinneah at Flynanced  Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow
5/13/202439 minutes, 39 seconds
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Ep 161: Beyond Shark Tank | CurlMix CEO Kim Lewis on Building a Beauty Empire Her Way

This week we're discussing the inspiring journey of Kim Lewis, CEO of CurlMix, as she shares her experiences and insights on building a successful business and challenging societal norms.  The conversation highlights the ups and downs of entrepreneurship, her experience with Shark Tank, fundraising insights and how her relationship with money has changed throughout her entrepreneurial journey. It’s a must-listen for anyone looking to challenge the status quo and build a life of purpose and impact.We explore her early entrepreneurial aspirations, the dynamics of working with a partner, and the importance of open and honest communication. Kim opens up about her time in the traditional workforce and how those experiences ultimately led her to pursue entrepreneurship. She shares her experiences with $100k in credit card debt and the lessons she learned from it. The conversation also highlights the importance of financial literacy for entrepreneurs and explores alternative funding strategies, particularly Kim's successful utilization of crowdfunding to fuel CurlMix's expansion.We challenge traditional notions of work-life balance and discuss the importance of prioritizing experiences that nourish the soul. Kim shares her evolving relationship with money and success, emphasizing the need to focus on purpose and impact rather than solely chasing numbers. This episode is packed with Kim's vibrant personality and wisdom, offering valuable lessons for aspiring entrepreneurs, business owners, and people seeking a more fulfilling life.To learn more about Kim, visit her website, listen to her More Rounds podcast, or follow her on Instagram.Visit the Curlmix website to learn more about their products and mission.   Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow
5/6/202452 minutes, 3 seconds
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Ep 160: Financially Lit! Leveling up your dinero with Jannese Torres

This week we’re chatting with Jannese Torres, the proud Latina behind the new book "Financially Lit!" and the Yo Quiero Dinero community. We talked about her incredible journey to financial independence, breaking free from traditional paths and the importance of redefining success and wealth. Jannese opened up about her experience being laid off from her corporate job and realizing she needed to be her own safety net. We discussed the importance of representation and seeing ourselves reflected in success stories, the influence of Bad Bunny and Puerto Rican culture, and the cultural baggage that comes with money. She also got real about the emotional side of building wealth, especially the guilt that can come with achieving success when your community is struggling, as well as the impact of toxic relationships and the importance of protecting your wealth using prenuptial and postnuptial agreements. Jannese's story is about so much more than just dollars and cents. It's about being true to yourself, breaking down barriers, and building a better future for yourself and your community. It's about owning your identity and using your voice to inspire others. Get Jannese’s book (out April 30th) - Financially Lit!: The Modern Latina’s Guide to Level Up Your Dinero & Become Financially Poderosa Keep up with Jannese on her website, Instagram, Twitter, and podcast Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow
4/29/202445 minutes, 13 seconds
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Ep 159: Rewriting the Rules of Finance | A conversation with Yvette Butler, CEO, Founder of Hive Wealth

In this conversation, Yvette Sadler Butler, CEO and founder of Hive Wealth, discusses her journey in the financial services industry and how it influenced the creation of Hive Wealth. In it, she shares her vision of making finance more inclusive and accessible to everyone through financial planning powered by AI.The conversation explores the rise of Black investors in the stock market, the importance of financial planning, the need for budgeting tools and how AI (artificial intelligence) is incorporated into the Hive Wealth experience. It concludes with Yvette sharing some of the early reactions to the Hive Wealth experience,  how Hive Wealth improves financial decision-making, investment strategies, and  long-term planning. To learn more about Hive Wealth, visit https://www.hivewealth.com/.To follow Hive Wealth on social media: click the links below:Instagram: http://instagram.com/hivewealthFacebook: https://www.facebook.com/hivewealthYouTube: https://www.youtube.com/@hivewealthTo learn more about the show, visit https://richandregular.com/listen/ About Yvette Butler:After 30 years at the intersection of digital and wealth management, Yvette launched Impart Media to close the racial, gender and generational wealth gap. She believes that we should all have an equal opportunity to create an enduring legacy. Yvette is the former President of SVB Private, the modern private bank for innovators. Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow
4/22/202446 minutes, 31 seconds
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Ep 158: Must-Have Kitchen Tech for Busy People

If you want to know the secret to stress-free cooking at home this episode is for you! This week, we're exploring the world of kitchen technology that can help you save money, eat healthier, and make cooking at home easier and more enjoyable. We'll discuss our personal experiences with various gadgets, highlighting the benefits for both novice and experienced cooks. Key Takeaways:Cooking at home is a major opportunity for savings, but it's important to remove pain points and inefficiencies.Technology can bridge the gap between wanting to cook more and feeling overwhelmed by the process.There are options for everyone, whether you're a busy professional, a parent, or simply looking to expand your culinary skills.Featured Kitchen Tech:Anyday: This microwave cookware allows you to cook anything from scratch, using raw ingredients, directly in the microwave. It's perfect for busy individuals and families who want to eat healthy without spending hours in the kitchen.Inkbird Wireless Thermometer: This thermometer measures both the internal temperature of your food and the ambient temperature of your oven or grill, taking the guesswork out of cooking and ensuring perfectly cooked meals every time.Sous Vide: This immersion circulator cooks food gently and evenly in a water bath, resulting in incredibly tender and flavorful dishes. It's ideal for meal prepping, reheating leftovers, and experimenting with new cuts of meat.Electric Lunchbox: This portable device allows you to enjoy a hot, home-cooked meal wherever you are. It's perfect for blue-collar workers, busy professionals, and anyone who spends extended periods of time away from home.Air Fryer: This countertop appliance is essentially a mini convection oven, perfect for quickly cooking or reheating a variety of foods. It's a healthier alternative to deep frying and a great option for families with kids.Additional Resources:Investing Masterclass: Making Money Grow: Use code APRIL25 for 25% off during Financial Literacy Month!rich & REGULAR Amazon Storefront: Find curated lists of our favorite kitchen gadgets and other recommended products.Please remember to leave a 5-star rating and review to help others discover the show, and share this episode with anyone who wants to make cooking at home easier and more enjoyable. Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow
4/15/202455 minutes, 57 seconds
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Ep 157: Spreading F.I.R.E. and Financial Joy | A conversation with Ken and Mary Okoroafor

Ken and Mary Okoroafor based out of the UK and founders of The HumblePenny.com discuss their life and new book Financial Joy. In this conversation, they share their journey of starting their blog and the importance of representation in the personal finance space. They discuss the advantages of raising their children to be investors and the importance of being aligned as a couple. They also emphasize the value of using everyday situations as teachable moments for their children. Ken shares his personal experience of leaving his high-paying job as a CFO to become a content creator and the challenges and rewards that came with it. They also discuss the unique challenges faced by black people in the UK in terms of wealth gaps and systemic racism.  They highlight the lip service and broken promises of organizations that claim to support black communities as well as their POV on the similarities and differences for Black people in the UK vs. the United States.Lastly, they share a few nuggets from their book: Financial Joy emphasizing the importance of faith as a currency in finances and the need for dreamers to have a clear purpose, objectives, strategy, and tactics [P.O.S.T] to achieve their goals. Get Ken and Mary's book, Financial Joy: Banish Debt, Grow Your Money and Unlock Financial Freedom in 10 weeks Follow Ken and Mary on YouTube, Instagram, or their website Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow
4/8/20241 hour, 11 minutes, 47 seconds
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Ep 156: Survive & Advance | The Ultimate Guide to Financial Resilience with Lynnette Khafani-Cox

This week we’re joined by author and personal finance expert Lynnette Khalfani-Cox to discuss the importance of financial resilience and the strategies for bouncing back from setbacks. Lynnette dives into the core concepts from her book "Bounce Back: “The Ultimate Guide to Financial Resilience and explores the emotional side of financial challenges. In this refreshingly candid interview, Khalfani-Cox gets real about the psychological toll of money woes and those dreaded "Ds" that can decimate your finances: Debt, Downsizing, Divorce, etc. This isn't just about spreadsheets and hacks. It's a master class in self-compassion as a survival strategy.Lynnette also provides insights into her writing process, dealing with pressure/deadlines, and setting realistic expectations when she working on the book and workbook. Whether you're struggling with debt, recovering from a job loss, or simply want to become more financially resilient, this episode is packed with wisdom and real-world advice for bouncing back stronger than before.Get Lynnette’s new book Bounce Back: The Ultimate Guide to Financial Freedom Connect with Lynnette on her website, Instagram, Twitter, or LinkedIn Key Takeaways:The Power of Personal Stories: Lynnette shares moving personal accounts that illustrate the resilience needed to overcome financial hardship and life's inevitable curveballs.Mental Health Comes First: Before tackling practical money issues, Lynnette emphasizes taking care of your mental and emotional well-being through self-compassion.Overcoming Shame: Breaking down the barriers to asking for help and support from one's community when facing difficulties.Practical Tips: The "zero debt mindset" philosophy and the "switch and save" strategy for paying down debt more effectively.The Long Game: Understanding that financial decisions have long-term impacts and that building true resilience is an ongoing process. Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow
4/1/20241 hour, 2 minutes, 50 seconds
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Ep 155: The FinTech Toolkit: Conquering Financial Fear and Fraud

To get your copy of the FREE Financial Technology Toolkit, click here and we'll send your guide directly to your email address.    To learn more, visit the rich & REGULAR blog hereTech literacy isn't a one-and-done skill. It requires continuous learning and adaptation as innovation marches on. And there are very few areas that are being transformed by technology as rapidly as personal finance and fintech.To help bridge this literacy gap, we're introducing a free Fintech Toolkit aimed at empowering you to:Track and save money more effectivelyAutomate and optimize your investingProtect yourself from the growing threat of financial fraudIn this episode, we dive into the startling lack of awareness around financial fraud. The statistics are staggering, but the invisibility of these crimes causes us to drastically underestimate the risks. Scaring people straight rarely works - we have to make protecting assets feel like a smart, rational choice.And that's where fintech comes in. Our conversation explores the lack of awareness and discussion around financial fraud, highlighting the need for more attention and education on the topic. We also address the fear of embracing fintech and provide strategies for overcoming it. At the end of the day, crime and fraud follow the path of least resistance. The financial crimes of the future will continue targeting the people and businesses still using outdated, insecure practices and staying safe requires embracing new technological tools. Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow
3/25/202444 minutes, 28 seconds
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Ep 154: Why you need a plan for unexpected "windfall" money

In this episode, we’re discussing how to manage a windfall, whether it's a sudden influx of money from investments, bonuses, or unexpected events. We share our personal experiences with windfalls and the importance of splurging and treating yourself to experiences. We emphasize the need to resist the urge to act quickly and instead create a wish list and categorize priorities. We also discuss the importance of waiting and considering tax implications, as well as managing expectations and right-sizing giving. This episode also explores the cognitive benefits and financial muscle developed through lump sums and highlights the power of compounding interest and its role in accelerating financial plans. We also discuss how to handle large salary bumps or side hustle success and the need for preparation and planning, whether you should seek professional help for financial advice, along with customizing financial decisions based on individual circumstancesLinks: Haley and Justin's story (@PriceofAvocadoToast)Our favorite estate planning resource Takeaways:Splurging and treating oneself to experiences can be a valuable part of managing a windfall.Resist the urge to act quickly and take time to create a wish list and categorize priorities.  Consider the tax implications of a windfall and plan accordingly.Communicate and manage expectations with others who may have expectations of your windfall.Right-size your giving and allow yourself to experience the windfall before making promises.Careful planning is necessary when handling windfall money to ensure it is used effectively and does not cause unintended consequences Lump sums can provide cognitive benefits and develop financial muscle, allowing for long-term thinking and intentional decision-making.Understanding the power of compounding interest can help accelerate financial plans and shorten the time needed to achieve financial goals.Making progress on financial goals is fulfilling and can provide a sense of freedom and security. When experiencing a large salary bump or side hustle success, it is important to have a plan for the extra income and consider seeking professional advice.Customizing financial decisions based on individual circumstances and having a clear purpose for income are key to making informed choices. Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow
3/18/202440 minutes, 59 seconds
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Ep 153: Knowing when to give up vs. being a supportive partner

In this episode,  we respond to an email from a woman who wanted to know when to give up on a trucking business she started with her husband. The conversation covers topics such as faith, confidence, financial planning and finding the right partners, and we provide advice on calculating the cushion needed to support the business, as well as the importance of psychological resilience in entrepreneurship. This episode explores the differences in the role credit cards play in personal and business finances, highlighting the potential risks and challenges of relying on credit cards for business funding. It emphasizes the importance of financial planning, business support systems and having a larger cushion in retirement savings. The conversation also explores finding alternative sources of income, such as side gigs that align with skills and goals. Building relationships, networking, and normalizing backup plans are discussed as essential strategies for entrepreneurial success. The episode concludes with a focus on navigating financial stress and how gender norms affect the relationship dynamic.Links: Ep 135: Hitting the Highway to Success: Could Trucking be your Profitable VentureCashing Out  Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow
3/11/202446 minutes, 20 seconds
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Ep 152: Katherine Morgan Schafler | The Perfectionist's Dilemma and how to balance your high standards with your happiness

Happy Women's History Month 2024! What does it mean to be a perfectionist? Is it a blessing or a curse? How does it affect your relationship with money, yourself, and others? In this special solo episode, Kiersten chats with Katherine Morgan Schafler, a psychotherapist and coach who helps people overcome perfectionism and live authentically. They talk about the different kinds of perfectionism, how social and historical forces shape them, and how they can be harnessed for good or bad. They also dig into the role of money in self-actualization, the link between self-worth and spending, and how to set financial goals that align with your values. Finally, they share some tips on how to break free from the cycle of self-punishment and embrace your flaws and strengths. In this episode, Katherine Morgan Schafler shares her insights on punishment vs. discipline, defining ‘enough,’ and balancing values and legacy.Links: Buy Katherine's book The Perfectionist's Guide to Losing Control: A Path to Peace and Power Follow Katherine on Instagram or visit her website Here are some key takeaways from this conversation:Perfectionism is not a monolithic trait. It can be adaptive or maladaptive, depending on how it affects your well-being and performance Money can be a tool for empowerment, but it can also be a source of anxiety and insecurity. It’s important to understand how your self-worth influences your spending habits and financial decisions Setting good financial goals requires knowing what you value and what you appreciate. It also requires being honest with yourself about what you need and what you want.Self-worth is not the same as self-esteem. Self-worth is about what you believe you deserve, while self-esteem is about what you think about yourself. Both are influenced by your social and cultural context.Breaking the cycle of self-punishment involves meeting yourself with compassion and understanding. Punishment only teaches us to avoid the source of punishment, while discipline seeks to extinguish negative behaviors through the promotion of positive behaviors.To define ‘enough,’ start by identifying what is not enough for you and then determine what is enough on a survival level and what makes you feel good. Then, compare your current situation with your ideal situation and see what gaps you need to fill.Balancing values and legacy involves understanding what you value, how those values show up in your daily life, and what you do not value. It also involves thinking about how you want to be remembered and what impact you want to have on the world. Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow
3/4/202454 minutes, 23 seconds
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Ep 151: Raising a rich kid | featuring our son Beau

In this episode, we’re talking about how we parent our son Beau and teach him about money. We share our philosophy of raising a rich kid, not by giving him everything he wants, but by teaching him the value of saving and investing from a young age. We also talk about the pressure we feel as parents to provide more for our child, and how we use self-imposed constraints to teach him responsibility. We explain how we use video games and sports as metaphors to help Beau understand the concepts of earning and investing. We also discuss the importance of providing a financial cushion for our child's future, so he can have more choices and opportunities in life. At the end of the episode, we interview Beau himself, who shares his thoughts on saving money.Beau is six years old and tells us how he learned about saving money from us and from his own experiences. He shares how he explains the concept of saving money to his friends and his teachers. He tells us his savings goals and his dreams of becoming a millionaire. He also reveals his plans to make money as a baseball player.  Beau believes that having a house, food, and family are the most important things for a "perfect" life.We emphasize the importance of not overcomplicating the process of teaching kids about money and making it a normal part of our daily lives. We stress that investing for kids is not something elitist or exclusive, but something fundamental and necessary. Links: Learn more about OneUnited bank Episode 75: Financially Preparing for a ChildEpisode 69: Investing for your kids TakeawaysTeaching kids about saving and investing from a young age is one of the best gifts we can give them as parents.We don't have to give kids everything they want, but we have to teach them the financial implications and consequences of their choices.Using metaphors and real-life examples can make the concepts of saving and investing more relatable and understandable for kids.A financial cushion can give kids more freedom and flexibility in the future, but it also comes with responsibility and accountability.We have to have open and honest conversations with kids about money and involve them in our financial decisions.Saving money is a habit that can be developed from a young age, and it can have a positive impact on kids' future.Putting money in the bank is not enough, we have to teach our kids how to invest and grow their money. Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow
2/26/202446 minutes, 47 seconds
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Ep 150: The Confidence Trap | How risk affects your investments

In this episode, we talk about the concept of overconfidence in investing, also known as the confidence trap. We explain why confidence is important and how it can either help or hinder us in achieving our goals. We also examine the role of ego in investing and how it affects our self-image as investors and use culinary references and personal stories to make our points. We stress the difference between investing and gambling, and the need to understand and manage risk. The episode ends with some tips for making better investment decisions and seeking advice from experienced investors.TakeawaysConfidence can be a double-edged sword in investing.Ego influences how we see ourselves as investors.The relationship between work and investing can affect our risk appetite.Investing should be done with a mindset of doing less and avoiding overdoing it.Investing and gambling are not the same thing.Calculating risks and considering beta and R-squared can help us make better investment decisions.Investing should be seen as a slow and steady process, not a fun or exciting one.Seeking advice from experienced investors and learning from personal stories can give us valuable insights. Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow
2/19/202441 minutes, 53 seconds
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Ep 149: Fashion vs. Frugality | How a capsule wardrobe can save you time and money

In this episode, we discuss capsule wardrobes and how this approach can help people save time and money.  In it, they explore how men and women differ in their adoption of the tactic.  Specifically, men are more likely to call a capsule wardrobe a uniform.  They also discuss the high costs associated with maintaining a professional wardrobe and what they did during their corporate careers to manage it.During the conversation, Julien and Kiersten are joined by a special guest, Winston Peters.  Winston is a Business and Brand Strategist, Consultant, Adjunct Professor at Manhattan College, and Julien's long-time friend.  He is the only person he knows who adopted a uniform; though [interestingly enough] he refers to his capsule wardrobe as an "alphabet" and chooses to always wear the color black Winston shares how he came to make the decision to adopt this style, the benefits it affords him, whether he encountered any "backlash" as a result of his wardrobe decision and how others have reacted to it over the years. Connect with Winston on LinkedIn  Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow
2/12/202439 minutes, 13 seconds
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Ep 149: Is FIRE really a movement? | A special Black History Month episode

This week we're diving deep into the heart of the FIRE (Financial Independence, Retire Early) movement and asking whether it's really a movement...or just a quirky personal finance trend. We explore the intersections of history, finance, work culture, technology, and societal change and discuss what defines a movement, how FIRE has benefited from several larger societal shifts, and how even the tiniest seeds of change, like feelings of embarrassment, fatigue, or frustration, can spark lasting change.Show notes, articles, research or data mentioned in the episode:Wall Street Journal: Black Investors Are the Biggest New Group of Stock BuyersMorningstar: It's Official: Passive Funds Overtake Active FundsCBS News: Toxic workplaces can harm your physical and mental health, surgeon general says: Claudia Goldin win Nobel economics prize for work on gender gap:  Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow
2/5/202455 minutes, 12 seconds
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147: Is a Costco membership worth it?

What does it mean to be a Costco member in 2024? This week we’re loud budgeting our grocery bill and discussing our recent decision to get a Costco membership. We share our initial impressions of the store, the perks we have enjoyed so far, and a few factors to consider when deciding whether a Costco membership is right for you. Food is a Big 3 expense for most households and with recent price surges, many people are feeling the squeeze on their budgets. Throughout the episode, we encourage you to think critically about your shopping habits and preferences and ask yourself how much you truly need, how much you can store, and how much money you can save. We also talk about the importance of understanding your consumption, being mindful of food waste, and supporting your community through responsible shopping practices.   Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow
1/29/202437 minutes, 40 seconds
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Ep 146: Jamila Souffrant | Finding Freedom within a Framework

This week our guest is Jamila Souffrant, host of the Journey to Launch podcast and author of the new book, Your Journey to Financial Freedom. In this conversation, we discuss her journey to financial independence and the lessons she has learned along the way. We talked about how she reached her breaking point and decided to pursue financial independence, how the FIRE movement inspired and challenged her, the importance of including various options in personal finance education, and the impact of immigration stories on financial journeys. We also discuss the challenges and strategies of raising financially savvy kids and the evergreen principles of financial education that apply to anyone. Jamila believes that building wealth is not about chasing the latest trends or optimizing every penny, but about finding a balance between what makes you happy and what makes you secure. She shares the importance of taking a 'boring' approach to building wealth, encouraging you to focus on sustainable and fulfilling strategies rather than constant optimization. She also emphasizes the value of investing in low-cost index funds and retirement accounts as a foundation for financial security. Get Jamila’s new book, Your Journey to Financial Freedom wherever books are sold. Subscribe to the Journey to Launch podcast and keep up with Jamila on Instagram, X, YouTube and Facebook. TakeawaysThe journey to financial independence often starts with a breaking point, where individuals realize they can no longer accept their current circumstances.The FIRE movement can be a powerful tool for achieving financial independence, and it is important to find resources and communities that resonate with your personal journey.Including various options and frameworks in personal finance education allows individuals to find a path that aligns with their goals and values.Immigration stories can provide valuable lessons and inspiration for financial journeys, highlighting the sacrifices and determination required to create a better life.Teaching children about money and investing should focus on the concepts of income, expenses, and the importance of balancing present enjoyment with long-term goals. Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow
1/22/202443 minutes, 38 seconds
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Ep 145: 4 Common Layoff Mistakes to Avoid

In this episode, we’re peeling back the layers of the recent layoff phenomenon, a storm that’s been brewing and hit hardest in 2023. Our take is that it’s not just about job loss; it’s a cultural shift within organizations that leaves a lasting imprint. This episode is here to help you navigate this storm, armed with insights and strategies that improve your chances of success.We’ve identified four common mistakes that people often stumble into post-layoff: assuming it won’t happen again, the temptation to keep it a secret, neglecting hard skills and certifications, and leaving a 401(k) with a former employer. These are not just mistakes; they’re missed opportunities for growth and resilience. If anything this episode is a reminder of the importance of staying the course even when faced with adversity. It’s about weathering the storm, not avoiding it. So join us, we’ve got a lot to talk about. Links: Episode 53: Upskilling to earn more money LinkedIn Future of Skills tool TakeawaysLayoffs have become more common, and it is important to be prepared and proactive in navigating the challenges.Assuming layoffs won't happen again can leave you unprepared and vulnerable. It is important to be aware of the signs and be proactive in protecting yourself.Keeping a layoff a secret can hinder your ability to find new opportunities and receive support from your network. It is important to be open and transparent about your situation.Neglecting hard skills and certifications can limit your job prospects. It is important to continuously develop and update your skills to stay competitive in the job market.Leaving your 401(k) with your former employer can result in missed opportunities for growth and potential fees. It is important to consider your options and make informed decisions about your retirement savings. Roll over your 401k account into a different retirement account to minimize fees and contribute to your retirement.Leaving your 401k with an old employer can lead to losing track of your investments, limited access, and changes in investment allocation.Update beneficiary designations to avoid complications Understand the difference between direct and indirect rollovers and the importance of investing the funds in your new account.Use the time to consider opening a different investment account and continue investing even after a layoff Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow
1/15/202453 minutes, 9 seconds
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Ep 144: JL Collins | Find a Path or Make One

This week, we have a special guest: JL Collins, the Godfather of the Financial Independence movement. He’s here to talk about his new book, ‘Pathfinders’, where he shares the stories of people who have achieved financial freedom in different ways. He shows us that there is no one-size-fits-all formula for success, and that we have to find our own path based on our values, goals and circumstances. He also tells us why we should embrace failure as a learning opportunity, how he measures quality of life,  why we should all craft a unique life that aligns to our values, the importance of putting family first, and how he stays optimistic in a world full of uncertainty. This is a conversation you don’t want to miss, because JL Collins is not only our mentor and friend, but also one of the wisest and most generous people we know.Links: Pathfinders: Extraordinary Stories of People Like You on the Quest for Financial IndependenceThe Simple Path to Wealth mentioned on The Daily ShowFactfulness by Hans RoslingJL Collins on the Cashing Out podcastConnect with JL on his website, Twitter, or get his books.  Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow
1/8/202454 minutes, 45 seconds
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Ep 143: The top stories that will impact your money in 2024

This episode is about three stories that will change the way you invest, spend, and earn your money in 2024. They aren't predictions, but trends that are already happening and will likely continue. We start by reviewing what happened in 2023 and how it changed our perspective on money. Then we go into the first story, which is how the stock market was dominated by the Magnificent Seven tech stocks, thanks to their innovation and scale. The second story is about how fintech and buy now, pay later options have transformed the way we spend money. The third story is about how AI, artificial intelligence, will affect the future of work. Links: Join our mailing list to get Brain Candy directly in your inbox Takeaways:- The Magnificent Seven tech stocks drove the stock market performance in 2023, showing the power of AI and technology.- Fintech and buy now, pay later options changed our consumer spending habits, leading to new ways of borrowing and lending that are more convenient and flexible, but also more risky and addictive- AI will have a major impact on the future of work, with potential job disruptions and changes in hiring and evaluation processes.- AI will impact the job market, affecting the types and hiring processes of jobs.- Refining our online presence, such as having a complete LinkedIn profile, is important - Building AI literacy is essential for staying competitive in the job market.- Using AI in your current jobs can increase our productivity and value.- Using AI in job searches can automate application processes and save time.- It is important to use AI with moderation and add a human touch to maintain our authenticity. Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow
1/1/202445 minutes, 55 seconds
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Ep 142: How we paid off $200K in debt

If paying down debt is one of your 2024 goals, this episode is for you. This week we're telling the story of the greatest gift we've ever given ourselves - debt freedom. We paid off $200,000 in five years, but that's not the whole story or the most interesting part. In this episode, we explore the emotional impact of debt, the different approaches to debt payoff, and the role of shame and regret in debt payoff.   We also discuss the need to anticipate setbacks in the debt payoff journey, and how building financial resilience provides a sense of comfort and confidence during challenging times. Links:Bankrate Survey about 2024 Financial Goals  KeyTakeawaysDebt can have a significant emotional impact, leading to feelings of shame, regret, and hopelessness. It is important to address these emotions and develop a positive mindset.Debt payoff advice is not one size fits all. The type of debt and personal circumstances can influence the best approach to debt payoff.Living below your means and enjoying it is key to sustainable debt payoff. It is important to find a balance between saving and enjoying life.Anticipation and milestones play a significant role in debt payoff. Celebrating small victories and setting clear goals can provide motivation and keep you on track. Building financial resilience through debt payoff provides comfort and confidence during challenging times.Embrace a range of emotions throughout the debt payoff process, rather than solely focusing on happiness.Investment growth may not provide the same level of fulfillment as the debt payoff journey.Stay hopeful and motivated on the journey to financial freedom. Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow
12/25/202348 minutes, 19 seconds
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Ep 141: Sober Curious - Lessons from 3 years of drinking less

If you want help cutting back on drinking using neuroscience, try the Reframe App for free with a 1-month trial using Julien's referral link.A few years ago, we decided to experiment with drinking less alcohol and participated in Dry January. It was supposed to be a one-time thing but it changed how we think about alcohol. We were surprised by how much money we saved and how much better we felt and realized we were part of a larger movement of people who were questioning their relationship with alcohol and finding new ways to enjoy life without it.  Sober curiosity has not only been good for our finances, but also for our health, energy, and happiness. In this episode, you’ll learn that sometimes the best things in life are not the ones you can measure and predict, but the ones you can explore and experience. If you have drinking less as one of your 2024 New Year’s Resolutions, this episode is for you. Here are the main points: - Sober curiosity is a trend that can save you money and make you happier.- It's driven by changing preferences, health awareness, and cannabis alternatives.- It's not easy, but it's rewarding. You need support and role models to succeed.- It can improve your quality of life in ways you can't anticipate. You have to be curious and open-minded to find out. Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow
12/18/202340 minutes, 55 seconds
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Ep 140: Does sharing your salary help you earn more?

This week, we're talking about pay transparency,  its importance, generational differences, cultural shifts, and the impact on the workforce. The conversation delves into the top-down and bottom-up approaches to pay transparency, the role of social media, and the power struggle surrounding this controversial issue.  TakeawaysPay transparency is an important issue that is evolving and impacting the workforce.Generational differences exist in attitudes towards pay transparency, with younger generations being more open to sharing salary information.There is a power struggle surrounding pay transparency, as those in power may resist giving up control.Navigating both pay transparency and opacity requires careful consideration of company policies, personal grading, and trust in sharing salary information.Change is slow, and it is important to be prepared for both pay transparency and opacity in the workplace.Connect with us: Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Get our book Cashing Out: Win the Wealth Game by Walking Away If you would like to more about investing, check out our newest class, Making Money Grow
12/11/202340 minutes, 46 seconds
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Ep 139: Big changes coming to the podcast

Things are changing! In this episode, we're announcing some news and turning the page on a new chapter of the rich & REGULAR podcast. We love you and hope you'll continue to support us through this transition to this exciting next phase. Onward! Connect with us: Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube. Get our book Cashing Out: Win the Wealth Game by Walking Away If you would like to more about investing, check out our newest class, Making Money Grow 
12/4/202318 minutes, 16 seconds
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Ep 138: Tips To Avoid Holiday Overspending

Every holiday season, Americans seem to break a new record for spending - but this year it's different. Whether you're Grinch-adjacent like Julien or grew up more like Kiersten whose Super Bowl was Black Friday, they've got tips to stop holiday overspending for all levels. It's all about shifting where you spend -- making sure each gift packs a punch, and making more memorable moments rather than making the focus be the gift itself. Changing your mindset of gift-giving and receiving could be the answer you've been looking for. Julien and Kiersten have tips for the best methods backed by statistics.  ---- Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.  Leave us a tip! Support rich & REGULAR by rating and reviewing on Apple Podcasts.See omnystudio.com/listener for privacy information.
11/27/202335 minutes, 52 seconds
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Ep 137: Crafting Your Money Story

Don’t miss this week’s episode of Rich & REGULAR as Julien and Kiersten share insights on taking control of your financial story. They stress that you're the ultimate authority in your financial journey, and a money story goes beyond mere numbers—it's about the beliefs shaping your decisions. From investments to spending habits, this narrative influences everything. The goal is to cultivate a money story rooted in a healthy relationship with finances, empowering you to reach your financial goals. Tune in for tips on rewriting your money story, shedding old beliefs, and constructing new ways of thinking about money. The Saunders make it clear: you're in control of crafting your own money story, offering a positive perspective on financial well-being. ---- Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.  Leave us a tip! Support rich & REGULAR by rating and reviewing on Apple Podcasts. See omnystudio.com/listener for privacy information.
11/20/202346 minutes, 12 seconds
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Ep 136: Breaking Free from Financial Neglect

In this week’s episode of Rich & REGULAR, Julien and Kiersten are tackling the pricey consequences of financial neglect. No sugarcoating here— it can cost you big time. But fear not, they’ve got the playbook to turn things around. The Saunders are dishing out ways to dig yourself out of debt and find solutions. Breaking those bad financial habits? Yeah, it's gonna take some effort, but they’ve got your back. Tune in and dive into the nitty-gritty, stressing the need to get to the root cause. Learn from the experiences of others, get curious about fixing the problem, and let's kick financial neglect to the curb together! ----        Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.  Leave us a tip! Support rich & REGULAR by rating and reviewing on Apple Podcasts.   See omnystudio.com/listener for privacy information.
11/13/202341 minutes, 37 seconds
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Ep 135: Midlife Money Moves: Investing Wisdom for Financial Security

Don’t miss this week’s episode of Rich & REGULAR as Julien and Kiersten delve into essential advice on midlife investing strategies. They offer valuable insights on securing financial stability, emphasizing the significance of safeguarding assets and making strategic decisions. The Saunders discuss the critical aspect of risk tolerance and underscore the importance of mastering financial fundamentals. They share ways to diversify retirement options in order to alleviate future financial stress, highlighting the need to balance long-term and short-term investment goals. Listeners can expect a wealth of knowledge on financial planning and considerations while in your midlife stage. Be sure to tune in! ---- Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.  Leave us a tip! Support rich & REGULAR by rating and reviewing on Apple Podcasts. See omnystudio.com/listener for privacy information.
11/6/202342 minutes, 18 seconds
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Ep 134: Debunking 5 Common Myths with Women + Investments

Are women afraid of financial risk? Tune in this week to Rich & REGULAR as Kiersten and Julien debunk 5 common myths surrounding women and investing. The historical narrative between women and investing is undergoing a transformative and exciting shift, proving that now more than ever, women are engaging in investment ventures, dismantling misconceptions about their abilities and inclinations in financial markets. With an increasing array of educational resources, women are learning to navigate investments independently, challenging the belief that they lack the skill to delve into financial markets. Don’t miss this week as the Saunders help reshape the narrative, encouraging more women to take control of their financial destinies with confidence and determination. ---- Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.  Leave us a tip! Support rich & REGULAR by rating and reviewing on Apple Podcasts. See omnystudio.com/listener for privacy information.
10/30/202343 minutes, 8 seconds
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Ep 133: The Pros and Cons of Alternative Investments

This week on, Rich & REGULAR, Kiersten and Julien are taking a deep dive into the world of alternative investments. What are alternative investments?  Should you even consider them for your investment portfolio? The Saunders break down the pros and cons of these intriguing investment options, giving you a well-rounded perspective on the subject. If you're curious about whether alternative investments could be a good fit for you and your unique investment goals, this is one episode you won't want to miss. Tune in to explore this realm of financial opportunities and discover if it's the right path for your investment journey. ---- Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.  Leave us a tip! Support rich & REGULAR by rating and reviewing on Apple Podcasts. See omnystudio.com/listener for privacy information.
10/23/202341 minutes, 47 seconds
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Ep 132: From Aisles to Algorithms: Navigating the Grocery Wars

With so many  grocery store options, how do you navigate this world and still save money? It's no secret that grocery stores are the most frequently visited retailers in America. This week on Rich & REGULAR, Kiersten and Julien take a closer look at how our choices as grocery consumers shape what we buy. They discuss the rise of grocery delivery services, the competition in the market, and how the stores use their own brands. How will artificial intelligence (AI) impact this domain? The Saunders highlight AI as a grocery store game-changer, streamlining the automated fulfillment process. And, of course, don’t miss the smart tips for getting the most value out of your grocery shopping! ---- Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.  Leave us a tip! Support rich & REGULAR by rating and reviewing on Apple Podcasts. See omnystudio.com/listener for privacy information.
10/16/202343 minutes, 16 seconds
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Ep 131: Are Gift Cards A Scam?

This week on Rich & REGULAR, Julien and Kiersten tackle the intriguing question: Are gift cards a scam? Listeners might be surprised to learn that a whopping 47% of US adults are sitting on at least one unused gift card or store credit, collectively totaling an astonishing $23 billion nationwide! The Saunders also weigh in: Is cash a tacky gift? Tune in as they explore the intricacies of gift-giving, the value of flexibility, and what to do with those seemingly forgotten, yet potentially valuable, gift cards. Don't miss this episode for a fresh perspective on the world of gifting and the financial surprises it might hold! ---- Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.  Leave us a tip! Support rich & REGULAR by rating and reviewing on Apple Podcasts. See omnystudio.com/listener for privacy information.
10/9/202332 minutes, 19 seconds
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Ep 130: How to Sell Your Stuff Online

What in the world is recommerce and how could it benefit you? Get ready to explore the world of eCommerce on this week’s episode of Rich & REGULAR. From the booming secondhand market, aka recommerce, and its easy-money potential with minimal effort, to the nitty-gritty of doing your very first product listing, Julien and Kiersten have tips, strategies, and insights to supercharge your online selling game. With a plethora of eCommerce platforms out there, Julien and Kiersten will help you decipher which one is the perfect match for what you're looking to sell. Plus, they share insights about how to market your products effectively and share some crucial “watch-outs” to ensure you're selling online like a seasoned pro. Tune in this week if you’re feeling ready to take your eCommerce game to the next level! ---- Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.  Leave us a tip! Support rich & REGULAR by rating and reviewing on Apple Podcasts. See omnystudio.com/listener for privacy information.
10/2/202343 minutes, 7 seconds
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Ep 129: The Rise of Amazon One ID

This week on Rich & REGULAR, Julien and Kiersten take listeners into the exciting world of Amazon One ID, one of the newest developments in fintech. Tune in as they break down what exactly it is, how this game-changing technology operates, and whether or not you should be feeling just a tad uneasy about it. The Saunders don’t shy away from discussing the apprehensions associated with this groundbreaking tech. From privacy concerns to potential misuse, they tackle the fears head-on. They also explore the positive side, like how Amazon One ID has the potential to slash fraud rates and what a world without traditional keys might look like.  So, if you're wondering when Amazon One will become the norm and what it means for our journey towards a cashless society, listen to the episode to find out more. ----        Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.  Leave us a tip! Support rich & REGULAR by rating and reviewing on Apple Podcasts. See omnystudio.com/listener for privacy information.
9/25/202340 minutes, 52 seconds
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Ep 128: Short-term Trading vs. Long Term Investing

There are infinite ways to make money these days, short-term trading is just one of them. But is it the right fit for you? Tune in this week as Julien and Kiersten explore the differences between short-term trading vs. long-term investing as well as the advantages of each method.  Most successful traders have an advantage in two areas, do you know what they are?  The Saunders’ also clear up common misconceptions to help give you clarity and insight into short-term trading. Tune into this week’s episode rich & REGULAR to find out which path aligns with your goals and risk tolerance. ---- Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.  Leave us a tip! Support rich & REGULAR by rating and reviewing on Apple Podcasts. See omnystudio.com/listener for privacy information.
9/18/202335 minutes, 49 seconds
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Ep 127: Navigating Overoptimization

This week on Rich & REGULAR, Kiersten and Julien tackle the topic of overoptimization. When does the pursuit of optimization become problematic? Is achieving balance while optimizing even possible? The Saunders share relatable anecdotes and practical advice on how to avoid the pitfalls of overoptimization, a must listen for those who prioritize leveling up in many areas of their lives. Kiersten and Julien generously share their wisdom, offering practical tips and tricks to help listeners break free from the chains of overoptimization. They explore the elusive concept of balance, helping listeners navigate setting achievable goals and finding contentment in their financial and personal lives. Through their discussion, the Saunders leave listeners with a treasure trove of strategies and insights for incorporating metrics and countermetrics into their lives, ultimately paving the way for a more balanced, fulfilling, and harmonious existence. ---- MENTIONS:  Year of Yes by Shonda Rhimes Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.  Leave us a tip! Support rich & REGULAR by rating and reviewing on Apple Podcasts. See omnystudio.com/listener for privacy information.
9/11/202332 minutes, 29 seconds
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Ep 126: Investing in Debt

This week on Rich & REGULAR, Kiersten and Julien tackle a topic that's hitting close to home for many: paying off debt.  With a special focus on student loan debt, they explain the background of student loans as payments start up again this month. They dive into some practical tips to help prioritize and pay down debt, in addition to ways to stay on track with payments.  If the world of loans and interest rates makes your head spin, don't worry. The Saunders are here to help explain for their listeners in understandable terms. Federal student loans, private loans, origination fees, APRs – they cover it all. Tune in to hear their smart tips to help you pay off that debt faster. The big takeaway: Debt can be just one chapter in your life story, and not the whole book. So, take a breath, face the financial facts, and get inspired to be scrappy about tackling that debt head-on!  ---- Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.  Leave us a tip! Support rich & REGULAR by rating and reviewing on Apple Podcasts. See omnystudio.com/listener for privacy information.
9/4/202332 minutes, 36 seconds
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Ep 125: Hitting the Highway to Success: Could Trucking be Your Profitable Venture?

Is it time to hit the road and chase those trucking dreams? The latest episode of Rich & REGULAR is taking us on a wild ride through the world of trucking! Julien and Kiersten are discussing all things trucking – the good, the bad, and whether getting into the trucking industry is a good move right now. But hold onto your hats, because they're not stopping there. They're also diving into the industry's past, present, and future. Yep, you guessed it – they're talking about AI and how it's shaking up the trucking scene and laying out who's winning big from this tech leap as well as what hiccups might be lurking around the corner. If you're trying to figure out if this is the right time to jump into the driver's seat of your own trucking venture, this episode is for you! ---- MENTIONS:  Working documentary on Netflix         Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.  Leave us a tip! Support rich & REGULAR by rating and reviewing on Apple Podcasts. See omnystudio.com/listener for privacy information.
8/28/202334 minutes, 28 seconds
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Ep 124: Stand Out and Succeed: The Power of Podcasting for Professionals

Thinking about starting a podcast and turning it into a profitable venture? Or maybe searching for a way to differentiate yourself and get that professional competitive edge? Tune in to this week’s episode of Rich & REGULAR as Kiersten and Julien guide listeners through the ins and outs of the podcasting business. From ways to make money with podcasting to the industry's growth trajectory, they explore it all. They also break down the steps to get your podcast off the ground and scale it up whether it's a part-time pursuit or a full-fledged business. In the podcasting arena, content rules, and Kiersten and Julien offer a balanced view of the pros and cons. They highlight the upsides and challenges that podcasting presents. As they navigate the conversation, they reveal a staggering fact: the podcast industry is projected to bring in 2.3 billion-dollars in 2023. Whether you're an aspiring podcaster or a curious listener, this episode provides an insightful peek into the ever-changing podcast landscape, offering valuable insights into achieving success in this dynamic field. ---- MENTIONS:  The Stephen A. Smith Show Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.  Leave us a tip! Support rich & REGULAR by rating and reviewing on Apple Podcasts. See omnystudio.com/listener for privacy information.
8/21/202343 minutes, 46 seconds
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Ep 123: AI Financial Tools

AI is everywhere — and it’s likely to impact our financial life sooner rather than later. How will it affect how you spend, invest and manage finances now and in the future?  Julien and Kiersten weigh the good and bad of AI financial tools: giving you a new perspective that’s taking over your wallet faster than fire. In this week’s episode of Rich & REGULAR, we look into how AI is affecting fraud detection, budgeting apps, and how banks and credit card companies determine your credit worthiness.  AI could enhance your financial experience as a consumer - but it could also enhance our human flaws. What does that  REALLY mean? Where can consumers stay open-minded even with the inevitable flaws AI could have? How do B2B tools help companies detect fraud across industries? How personal can financial advising get? And why is it important to understand AI now? This episode attempts to answer those questions. ---- Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.  Leave us a tip! Support rich & REGULAR by rating and reviewing on Apple PodcastsSee omnystudio.com/listener for privacy information.
8/14/202334 minutes, 32 seconds
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Ep 122: How Climate Change affects Real Estate Investments

You’ve seen the headlines: rising sea levels, fires, both the rainiest and driest summer on record depending on where you live. Weather is becoming hotter and more volatile and it’s having profound impact on our real estate investment properties. Julien and Kiersten acknowledge that financial value of property in places affected by climate change are dropping, yet everything is getting more expensive - with Florida topping that list. In this week’s episode of Rich & REGULAR, we look into the real implications of real estate investing, home ownership, and climate change.  From protecting your ROI to investigating insurance companies who aren’t on your side, we delve into how to evaluate climate resilience on your investments to prep yourself for the best possible chance of withstanding any natural disaster. We’ll share tips on maintaining solid home owners insurance, where to to look for property, why you should diversify your property portfolio, and why you should be collaborating with policy makers and communities. Now is the time to act to protect your property investment.  ---- Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.  Leave us a tip! Support rich & REGULAR by rating and reviewing on Apple PodcastsSee omnystudio.com/listener for privacy information.
8/7/202331 minutes, 25 seconds
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Ep 121: Mid-Year Review: Financially Conquer the Second Half of the Yea

We’re halfway through the year, and there is no better time to ask, "What can I do to finish the year financially strong?" With the federal interest rate already being raised 3 times this year, Julien and Kiersten acknowledge that many listeners are probably feeling financially squeezed, and emphasize the importance of understanding the underlying reasons behind it. In this week’s episode of Rich & REGULAR we delve into the "why" rather than the "how," exploring the trends and cultural shifts that might be impacting your budget and offering strategic solutions to overcome financial challenges for the rest of 2023.  From tipping to junk fees and interest rates, these factors can create unforeseen financial pressures. Now is a great time to take a moment to revisit financial goals. Are they still relevant? Have priorities shifted? By reevaluating your objectives, you can ensure that your financial decisions align with your aspirations for the second half of the year. By being proactive, strategic, and reflective, you can make the necessary changes to overcome financial challenges and set yourself up for a successful year ahead. Now is the time to make the second half of the year a season of financial empowerment and growth!        Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.  Leave us a tip! Support rich & REGULAR by rating and reviewing on Apple PodcastsSee omnystudio.com/listener for privacy information.
7/31/202341 minutes, 23 seconds
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Ep 120: Why You Should Consider a Traincation

As the cost of travel continues to soar and flights become increasingly expensive, a surprising alternative is gaining traction and capturing the attention of wanderlust-stricken adventurers…traincations! Trains, once overlooked in favor of airplanes, are experiencing a renaissance, thanks to remarkable enhancements in the rail industry and a desire for more affordable and experiential journeys. This week on Rich & REGULAR, Kiersten and Julien delve into the reasons why train travel is making a remarkable comeback, how the United States fares in comparison to the rest of the world, and the pros and cons of opting for a train journey over flying. With summer travel in full swing, many adventurers are rediscovering the allure of road trips and, in the process, realizing they had forgotten about the wonders of train travel. Amidst the escalating costs of flights, it's no wonder that people are seeking alternatives that offer both savings and an opportunity to embrace the journey itself. Tune in to hear the Saunders break down why a traincation could be a fit for your next trip. You might just find yourself wondering, why not consider the train and rediscover the joy of the journey?        Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.  Leave us a tip! Support rich & REGULAR by rating and reviewing on Apple Podcasts. See omnystudio.com/listener for privacy information.
7/24/202344 minutes, 46 seconds
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119: Big Changes to Your 401k

Have you heard about the new legislative changes to 401ks? Tune in to Rich & REGULAR this week as Kiersten and Julien dive into the remarkable changes that are set to revolutionize your 401k. Discover the background behind these transformative shifts and gain valuable insights about your 401k options looking forward. The Saunders’ break down the significance of these changes and the impact they will have on your financial future. Auto-enrollment, student loan incentives, benefits to part-time workers…the wide variety of changes to 401ks will have an impact on many savers. Change can be overwhelming but listeners are in good hands as Julien and Kiersten share how to navigate the complexities of these new regulations. Knowledge is power and after listening to this week’s episode, listeners can confidently embrace these transformative shifts and harness their potential to enhance retirement savings. ---- Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.  Leave us a tip! Support rich & REGULAR by rating and reviewing on Apple Podcasts. See omnystudio.com/listener for privacy information.
7/17/202336 minutes, 22 seconds
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118: Dividend Investing

What in the world is dividend investing and how is it like cookie dough? In this week’s episode of Rich & REGULAR, Kiersten and Julien delve into the concept of dividends, exploring what they are, the reasons behind their popularity, the criticism they face, and how they can fit into your financial strategy. With patience and purpose, dividend investing can be a great contribution to your portfolio.  So tune in to get some clarity on dividend investing to discover if this is a fit for your overall investment goals. After hearing Julien and Kiersten’s helpful insight, will you choose to embrace dividends or approach them with caution? The power to shape your investment strategy is in your hands. Until next time, happy investing! ---- The Little Book of Common Sense Investing by John Bogle        Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.  Leave us a tip! Support rich & REGULAR by rating and reviewing on Apple Podcasts. See omnystudio.com/listener for privacy information.
7/10/202329 minutes, 19 seconds
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117: The Lottery Dilemma: Luck or Loss?

Join the Saunders in this week’s episode of Rich & REGULAR as they delve into the world of the lottery. Discover where the funds go, face the staggering odds of winning, and gain insights into the dark side of gambling addiction as well as resources for help. From examining the impact of lottery funds on communities to sharing their thoughts on the pursuit of jackpots, Kiersten and Julien cover it all. Tune in to this thought-provoking episode to learn more about the lottery's impact, the allure that attracts participants, and the importance of responsible engagement with games of chance. Unveil the gamble and discover the insights necessary to make informed decisions regarding the lottery and its potential effects on our financial lives. ---- Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.  Leave us a tip! Support rich & REGULAR by rating and reviewing on Apple Podcasts. See omnystudio.com/listener for privacy information.
7/3/202340 minutes, 1 second
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116: Enjoying Financial Freedom with Passive Income

This week on Rich & REGULAR, Kiersten and Julien delve into the intriguing world of passive income, exploring its differences from active income and why it holds significant importance in our financial journey. They address some of the biggest misperceptions surrounding passive income and debunk myths often surrounding passive income. Drawing from their own experiences, the Saunders shed light on the varying levels of passive income sources and related upkeep and time investment. Tune in this week to hear insights and guidance for how to navigate the realm of passive income effectively and explore the possibilities and potential it holds for financial freedom. Passive income is a concept often misunderstood, which hinders many individuals from incorporating it into their financial portfolios. Whether you're a novice or have some familiarity with the concept, Kiersten and Julien's expertise and personal experiences will inspire you to reconsider your approach to financial independence and uncover the opportunities that lie within the realm of passive income. ----       Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular. ] Leave us a tip! Support rich & REGULAR by rating and reviewing on Apple Podcasts. See omnystudio.com/listener for privacy information.
6/26/202334 minutes, 5 seconds
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115: Cashing Out - 1 Year Reflections

Tune in to a special edition of rich & REGULAR this week to celebrate the one-year anniversary of the launch of Julien and Kiersten's thought-provoking book, "Cashing Out: Win the Wealth Game by Walking Away". They take time this week to reflect on the motivations behind writing their book and how they embarked on the path to publication. Curious about the financial logistics of book publishing? Julien and Kiersten discuss their experiences writing this book and share how to bring in profit through the publishing process. They also delve into the very essence of their book, which encourages readers to walk away from the conventional pursuit of wealth and instead seek to define success on their own terms. The message and underlying premise of "Cashing Out" continue to resonate strongly, even after one year. The book doesn't shy away from confronting uncomfortable truths.  As they celebrate this milestone, The Saunders also look toward the future. What does the road ahead look like for them in terms of their work? How can listeners also pursue their passions and share them with the world? Tune in for these answers and more! ---- Mentions: Colors podcast episode by RadioLab The Diversity, Equity & Inclusion Delusion with Deepa Purushothaman episode by Cashing Out  Home tv show on Apple+ Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.  Leave us a tip! Support rich & REGULAR by rating and reviewing on Apple Podcasts. See omny.fm/listener for privacy information.
6/19/202343 minutes, 23 seconds
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114: Building Financial Freedom with Communal Living

What in the world is communal living? Join Kiersten and Julien in this week’s episode of Rich & REGULAR as they delve into the world of communal living. Discover how these communities operate in ways that foster connection and create a sense of belonging. Gain insights as they break down the various structures that communal living can take, helping listeners understand the difference between communes and roommate situations. Learn about the financial aspects of communal living, including ways to fund it  and ensure financial stability. With an even breakdown of potential pros and cons, uncover the profound impact communal living can have in combating loneliness and fostering intentional living communities of all shapes and sizes. Most of all, how much can you save by participating in communal living? Tune in to hear this answer and more to determine if communal living could be a fit for your own life! ----    Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.  Leave us a tip! Support rich & REGULAR by rating and reviewing on Apple Podcasts. See omnystudio.com/listener for privacy information.
6/12/202341 minutes, 8 seconds
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113: Expert Tips for Short-Term Rental Investments

Have you ever considered the untapped potential of short-term rental investing? Are you ready to embark on an exciting investment journey that can bring in substantial profits? The world of real estate investment has seen a significant shift in recent years, with short-term rentals emerging as a highly sought-after opportunity. This week’s episode of Rich & REGULAR delves into the intriguing history of short-term rental investing, explores the rise of black-only Airbnb accommodations, and examines the crucial roles that women, people of color, and various age groups play in this evolving industry. Brace yourself as we unravel the captivating world of short-term rental investing, exploring everything from remote work's impact to the essential costs and expert strategies for success. But the burning question remains: Are short-term rentals truly worth it? Listen in as Kiersten and Julien delve into this captivating industry, where hard work meets the promise of remarkable rewards. ----        Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.  Leave us a tip! Support rich & REGULAR by rating and reviewing on Apple Podcasts. See omnystudio.com/listener for privacy information.
6/5/202337 minutes, 22 seconds
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112: Unveiling the Power of Bonds: Safeguarding Your Investments in Turbulent Times

Worried about the impact of market volatility? Fear not! Join us this week on Rich & REGULAR as Julien and Kiersten unravel the fascinating world of bonds and shed light on their pivotal role during economic downturns. Brace yourself for an enlightening journey through the depths of investment strategies, where we'll explore the essence of bonds, their diverse categories, and why they are the ultimate stabilizers. What percentage of my investment portfolio should be allocated to bonds? Julien and Kiersten answer this question and more as they share their insights on finding the ideal balance between bonds and other asset classes. In an ever-changing financial landscape, where economic downturns cast their shadows, bonds can offer a lifeline of stability. Tune in this week to explore the power of bonds and harness their potential to secure your financial future. Remember, a well-crafted investment portfolio strikes a delicate balance between risk and reward, and bonds are your steadfast allies on this remarkable journey! ---- Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.  Leave us a tip! Support rich & REGULAR by rating and reviewing on Apple Podcasts. See omnystudio.com/listener for privacy information.
5/29/202333 minutes, 11 seconds
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111: Unveiling Modern Family Finance Trends

How many Americans currently have a side hustle? What is the impact of women becoming the breadwinners for their family? Listen in on this week’s episode of rich & REGULAR for these answers and more as Julien and Kiersten take the live stage at the Morningstar conference in Chicago. Get ready for a captivating glimpse into their expertise beyond the podcast, as they shed light on the evolving landscape of modern families and its impact on financial planning.  From the impact of social media on financial influence to the evolving dynamics of income and education, the landscape of modern family finances is constantly evolving. Julien and Kiersten keep ahead of the curve by emphasizing the importance of financial services to recalibrate their approach to meet the diverse needs of modern families. So, fasten your seatbelts, embrace the winds of change, and embark on a journey of financial empowerment for modern families in an ever-changing world.  ---- Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.  Support rich & REGULAR by sharing and rating us five stars on Apple Podcasts. See omnystudio.com/listener for privacy information.
5/22/202330 minutes, 4 seconds
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110: Breaking the Savings Mindset: How to Shift Your Financial Focus Toward Growth

How much should we save? Where do we keep our money? Is saving 10% enough? Welcome to another episode of rich & REGULAR, where Julien and Kiersten Saunders answer these questions and more. This week's topic is all about the holy grail of personal finance: saving. Julien reminds us that saving is not just a habit, it's a skill. And like all skills, it takes practice to perfect. Listen in to hear tips on where to stash your cash, how much to save, and how to know what types of savings accounts are a fit for you and your financial goals. As Kiersten puts it, "Money is a tool for better quality of life throughout your lifespan, not just at the end of your life." Whether you're just starting or have been saving for years, there's always something new to learn about managing your money and securing your financial future. ---- Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.  Support rich & REGULAR by sharing and rating us five stars on Apple Podcasts. See omnystudio.com/listener for privacy information.
5/15/202337 minutes, 21 seconds
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109: How to Take a Guilt-Free Vacation

Are you yearning for a much-deserved getaway, but worried about breaking the bank? Well, fear not fellow travelers! In this week’s episode of rich & REGULAR, Julien and Kiersten help you plan a guilt-free vacation. With US hotel prices skyrocketing by a staggering 54% in January 2023 compared to the previous year, it's easy to feel like the only way to fund your travel is by taking out a second mortgage on your home. Tune in to hear the dynamic duo cover all the bases to help you save big while still planning a vacation that you'll remember for years to come. By taking advantage of the guilt-free tips and tricks shared in this week’s episode, you can make the most of your vacation, avoid buyer’s remorse, and create lasting memories with your loved ones. So, go ahead and start planning that trip – your wallet (and your sanity) will thank you! ---- Mentions:  Point.me website to save on credit card points Flight Connections website to look at flights  Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.  Support rich & REGULAR by sharing and rating us five stars on Apple Podcasts. See omnystudio.com/listener for privacy information.
5/8/202347 minutes, 34 seconds
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108: Sparking Your Early Retirement Dreams: A Guide to FIRE

Are you tired of the traditional retirement plan of working until you're old and gray? Enter FIRE, the Financial Independence, Retire Early movement. It's like retirement, but significantly better. In this week’s episode of rich & REGULAR, Julien and Kiersten are here to answer all the burning questions about FIRE. Who is it for? Is it sustainable? Is it just for people who eat ramen noodles every night? It turns out that FIRE can be for anyone wanting to pursue work-life balance, intentional living, minimalism…the list goes on. As Kiersten says “It's like having your cake and eating it too!” So why not give it a shot? Retiring in your 40s and living your best life sounds like the dream. Listen in to hear the Saunders outline how his dream can become reality.  ---- Mentions:  The Simple Path to Wealth book by JL Collins Your Money or Your Life book by Vicki Robin Mr. Money Mustache blog      Early Retirement Extreme book by Jacob Fisker Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.  Leave us a tip! Support rich & REGULAR by rating and reviewing on Apple Podcasts. See omnystudio.com/listener for privacy information.
5/1/202341 minutes, 44 seconds
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107: Net Worth: How to Manage and Optimize Your Financial Future

What exactly is net worth? How is it calculated? It’s time to debunk the myth that income is the primary measure of success and explain why net worth provides a more holistic picture of financial health.  In this week’s episode of rich & REGULAR, Julien and Kiersten Saunders caution listeners against common mistakes they've seen when it comes to building net worth and provide a variety of healthy financial habits which can be implemented in order to improve your own. By taking small, manageable steps, we can improve our financial situations. Julien reminds listeners that, “Measuring your net worth is relatively simple, but managing it can be complex.” The good news is, it's never too late to start building net worth and securing financial well-being! ---- Mentions:  Personal Capital App/Website, now called Empower               Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.  Leave us a tip! Support rich & REGULAR by rating and reviewing on Apple Podcasts. See omnystudio.com/listener for privacy information.
4/24/202330 minutes, 42 seconds
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106: Types of Life Insurance

Many of Kiersten’s family members have been involved in the insurance business, so The Saunders are smashing through the stigma and delivering the life insurance low-down this week. They mull over the purpose of life insurance and perform a cost-benefit analysis on the two types of policies, term and whole life, while offering their two cents on which one to invest in. Julien and Kiersten also answer significant questions like who qualifies for life insurance, which of the two types is best, and what lifestyle factors will increase your premium.  The soaring cost of premiums may make some people exclude insurance altogether if they don’t know the big picture, so they let listeners know what to look for and if eliminating the middleman and investing your funds in other accounts can lead to better financial outcomes. Listen along as Kiersten shares her experience with over-investing in multiple types of insurance and how she’s adjusted her strategy over the years. She advises, however, that the market is constantly changing and not always for the best for people looking for insurance, saying, “If you’re eligible to get a life insurance policy now, you should get one NOW.” Tune in to find out more! ---- Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular. Support Rich & Regular by sharing and rating it five stars on Apple Podcasts. Check out their video podcast “Cashing Out” on YouTube. See omnystudio.com/listener for privacy information.
4/17/202340 minutes, 17 seconds
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105: Planning For Your Retirement

Each person’s retirement planning strategy is deeply personal. There are so many options for retirement accounts because they’re designed to be suitable for people with many different needs and lifestyles. But from 403(b)s, 501(c)3s, and 457(b)s, and other accounts, the amount of alphabet soup associated with retirement planning can be stupifying. Without financial education, confusing retirement account and tax code names can be a huge barrier for people trying to set themselves up for their future. This week, Kiersten and Julien break down all of your retirement account options and the pros and cons of each while shining a light on some murky topics like incentives, contribution limits, income ceilings, and deferred retirement account taxes. Julien and Kiersten ask, “When should you stop contributing?” and provide some helpful guidelines and tools for listeners, including factoring in your longevity risk and using retirement calculators or Monte Carlo simulators to predict your future financial needs. Kiersten ultimately cautions listeners to plan ahead carefully, saying, “Retirement isn’t a team sport. [...] My theory is that the reason [the government does] this is so that when they don’t provide you enough at the time you need it, they can say, ‘Hey man, I gave you every unfair advantage before this, so it’s not really on me to help you figure out a solution.’ It’s not fair, but it’s the system we’re operating in.” ---- Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular. Support Rich & Regular by sharing and rating it five stars on Apple Podcasts. Check out their video podcast “Cashing Out” on YouTube. See omnystudio.com/listener for privacy information.
4/10/202337 minutes, 50 seconds
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104: Demystifying Tax Jargon

Julien and Kiersten celebrate the beginning of financial literacy month (and tax season) by diving into tax jargon. There are so many things to complain about regarding taxes, but they do pay for community essentials like roads, schools, defense, social services, and more. The existing tax system was set up “to incentivize certain behaviours, things like charitable giving and homeownership…. But then, in the 1950s… [governing bodies] introduced tax write-offs as a way for businesses to reduce their taxable income, and things have just gotten more complicated since then,” says Kiersten. Kiersten asks, “Is the juice worth the squeeze?” when it comes to learning tax codes to save money and lands on “yes,” - but with exceptions. Learning taxes is the key to unlocking wealth. You don’t want to leave deductions on the table just because you don’t know how to identify them. As Julien wryly observes, “Rich people, if there’s one thing they know, it’s taxes.” Pull back the veil of secrecy around taxes with Julien and Kiersten this week so you can get the most out of your yearly donation to the public coffers. ---- Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular. Support Rich & Regular by sharing and rating it five stars on Apple Podcasts. Check out their video podcast “Cashing Out” on YouTube.  **SUCCESS Enterprises and its affiliates and guests do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.See omnystudio.com/listener for privacy information.
4/3/202332 minutes, 33 seconds
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103: So What’s The Deal With Prenups?

Divorce is rising across all generations and has nearly doubled since 1990. The numbers are no small potatoes: 50% of couples today file for divorce. Divorce is expensive - you can lose significant wealth between lawyer fees, alimony, and the general splitting of assets.  Julien and Kiersten delve into the controversial topic of prenuptial agreements in this episode. Prenuptial agreements, or “prenups,” can dictate how assets are allocated, debts will be paid, and children will be raised. Kiersten wryly observes that without a prenup, it’s a bit like building an IKEA chest without directions. Prenups are about planning for the unexpected, almost like marriage insurance. However, as vital as they are, there is a stigma around them. Follow along as the Saunders explore the ins and outs of prenups and how they ultimately might be, and Kiersten says, “the most romantic thing.” ---- Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular. Support Rich & Regular by sharing and rating it five stars on Apple Podcasts. Check out their video podcast “Cashing Out” on YouTube. See omnystudio.com/listener for privacy information.
3/27/202328 minutes, 54 seconds
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102: The Pros and Cons of Timeshares

Do you love to travel? Have you considered investing in a timeshare? The Saunders discuss the value of timeshares versus regular resort rates. Kiersten used to manage the lead funnel of a timeshare directly, and Julien also dealt with timeshares as a portion of his previous work, so the Saunders both have boots-on-the-ground insights to provide. Timeshares have a complicated, polarizing reputation. Those who love them, love them, and those who hate them, hate them. There are two types to invest in, deeded and right-to-use timeshares. While timeshares might be easier for wealthier people to swing, it’s not impossible for a sensible investor if it meets their needs. Discover the pros and cons of investing in a sold good like timeshares and why salespeople get a reputation for being pushy. Listen in as Kiersten and Julien suggest some strategies to implement for whatever stage of timeshare ownership you’re at - acquiring a timeshare, rescinding an offer, and getting out of your contract.   Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular. Support Rich & Regular by sharing and rating it five stars on Apple Podcasts.See omnystudio.com/listener for privacy information.
3/20/202334 minutes, 33 seconds
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101: Why You Should Join AARP

In this episode of The Rich & Regular podcast, The Saunders answer the question: why should you join AARP? According to the myAARPmedicare website, the American Association of Retired Persons (AARP) is “the nation's largest nonprofit, nonpartisan organisation dedicated to empowering Americans 50 and older to choose how they live as they age." While it used to have an age limit of 55 and over, AARP now allows members aged 18 and up.  So why is joining AARP a wise financial choice? A membership appeals to people across generations because of the amazing perks, discounts, and coupons offered across multiple industries and budget ranges. These categories include travel, finances, insurance, shopping, groceries, restaurants, technology, entertainment, transportation, home, real estate, and health and wellness. The organization also has a loyalty program, top-notch members-only content, and lobbying and giving back initiatives to assist seniors.    Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular. Support Rich & Regular by sharing and rating it five stars on Apple Podcasts.See omnystudio.com/listener for privacy information.
3/13/202333 minutes, 52 seconds
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100: Are ‘Collectibles’ Investments?

This is the 100th episode of “Rich & Regular,” which explores life at the intersection of money! Today we investigate the question, “Are ‘collectibles’ investments?” From limited edition Legos, comic books, stamps, alcohol, sneakers, art, jewelry, and sports memorabilia, Kiersten and Julien explore if sinking money into collections of material items is worthwhile. Many collectibles do have appreciating value, yes. The Saunders present some of the challenges acquiring and maintaining collectibles and offer their two cents on what to consider when investing in collectibles and how to make sure you protect your collection - or at least how to get reimbursed if something does happen. Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular. Support Rich & Regular by sharing and rating it five stars on Apple Podcasts.See omnystudio.com/listener for privacy information.
3/6/202330 minutes, 28 seconds
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99: Direct Indexing with Rich Compson

What’s the difference between mutual funds and EFTs (Exchange Traded Funds)? This week on the rich & REGULAR podcast, Kiersten and Julien ask registered investment advisor Rich Compson (Fidelity) this question and more.  Rich explains how direct indexing works, where you own a portion of all the stocks in an index, like the S&P 500. This enables you to have more personal preferences when investing, focusing on companies that reflect social or environmental values, for example. Rich also talks starting simple with investing, fractional shares, how portfolios work, and offsetting tax gains and losses.   Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.  Support rich & REGULAR by sharing and rating us five stars on Apple Podcasts. See omnystudio.com/listener for privacy information.
2/27/202332 minutes, 57 seconds
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98: Tip Culture & Guilt Tipping

Has tipping culture gotten out of control? The typical American spends about $700 a year tipping in restaurants. And that’s just at restaurants. Tipping is often expected in hair salons and spas and for hotel housekeeping and valet service. But the rise of mobile payment technology and fast-casual restaurants have changed who we tip and how much. And there has been a push to move away from tipping altogether. This week, Kiersten and Julien dive into the messy conversation of tip culture. They outline AARP suggestions on what to tip for everything from buffet restaurants to electricians and plumbers. As well as how tipping has become gamified with some restaurants and delivery services requesting gratuities up front. They discuss questions like do you tip on the pre-tax amount or the total bill? And is a gift for a teacher a tip?  Mentions: Tipped by Barbara Sloan    Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.  Leave us a tip! Support rich & REGULAR by rating and reviewing on Apple Podcasts. See omnystudio.com/listener for privacy information.
2/20/202334 minutes, 36 seconds
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97: Modern Couponing

Coupons no longer just come as junk in the mail, but have taken new forms online with promo codes, cashback offers, and more. Credit cards can be used to find discounts, especially with apps, like the AMEX app which provides savings at local restaurants, hotels, and more. Loyalty programs and email lists are also good sources of coupon offers. Today, Kiersten and Julien discuss tips and hacks for taking advantage of these modern coupons. They talk about what to watch out for with offers, tactics to stop impulse spending, taking advantage of gift card promotions, and how to save on travel, activities, groceries, and more.  Mentions: Choose FI podcast Camel Camel Camel website and browser extension Rakuten Ibotta Swagbucks.com Coupons.com Savings.com Cardcash.com Giftcash.com Raise.com clipkard.com Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular. Support rich & REGULAR by sharing and rating us five stars on Apple Podcasts. See omnystudio.com/listener for privacy information.
2/13/202334 minutes, 21 seconds
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96: Tracking Cell Phone Bills

As inflation continues to rise, cell phone bills remain a top concern for many people trying to keep their finances in check. But with the constantly changing world of mobile devices, there are now more opportunities than ever to reduce this monthly expense. Join rich & Regular hosts Kiersten and Julien Saunders, in this must-listen episode as they explore the world of cell phone bills and offer expert tips and tricks for saving money. From negotiating with providers to finding the best plans, this episode will give you the power to take control of your cell phone bills and put more money back in your pocket. Discover simple and effective ways to reduce your cell phone costs without sacrificing quality!   Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.  Support rich & REGULAR by sharing and rating us five stars on Apple Podcasts. See omnystudio.com/listener for privacy information.
2/6/202331 minutes, 5 seconds
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95: No Spend Challenges

Have you ever tried to do a no spend challenge? It may seem intimidating but can be done in a way that’s tailored to your spending habits. Today, Kiersten and Julien provide all the options available for your challenge. You can focus on just one weekend a month if your spending gets out of control on weekends. Or go for a whole month of financial detox.  Create a motivational goal by deciding where the unspent money from your challenge will go, such as towards a travel fund or paying off credit card debt. They also provide tips on when to schedule a challenge during the year, or even according to the weather. As well as taking it to the next level, by earning money or learning new skills while doing a no spend challenge.  Resources: The Year of Less: How I Stopped Shopping, Gave Away My Belongings, and Discovered Life Is Worth More Than Anything You Can Buy in a Store by Cait Flanders Atomic Habits: An Easy & Proven Way to Build Good Habits & Break Bad Ones by James Clear Roundup App Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.  Support rich & REGULAR by sharing and rating us five stars on Apple Podcasts. See omnystudio.com/listener for privacy information.
1/30/202329 minutes, 2 seconds
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94: Reposessions

We’re in a repossession frenzy; they’re on the rise while many people are hurting financially. This week, Kiersten and Julien Saunders explain how repossessions work and how the industry is currently operating, with fewer repo companies in business and higher demand.  Kiersten and Julien discuss how to know when your car is stolen, towed, or has been repossessed. They talk about solutions if you find yourself on the bad side of a deal and unable to make payments, including what to be aware of, deficiency amounts, loan modifications, and adjusting the loan terms. They also get into how to get the best deal when selling or buying a car.    Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.  Support rich & REGULAR by sharing and rating us five stars on Apple Podcasts. See omnystudio.com/listener for privacy information.
1/23/202328 minutes, 12 seconds
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93: Credit Card Balance Transfers

Are credit card balance transfers a good thing? While many are struggling with consumer debt at the moment and interest rates are rising, balance transfers can be a good financial choice for some.  Today, Kiersten and Julien talk about what credit balance transfers are, who they’re good for, and what you should be aware of. They discuss fees associated and partial transfers, as well as how promotional periods work and the importance of scheduling payments.    Resources: All the Hacks podcast Financial Freedom by Grant Sabatier and his website bankbonus.com US News rankings  NerdWallet.com   Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.  We are forever indebted to you for your support. If you like what you heard, head over to Apple Podcasts to leave us a five-star review!See omnystudio.com/listener for privacy information.
1/16/202323 minutes, 44 seconds
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92: Medical Tourism

Medical tourism continues to grow and is here to stay. Americans are now going to many other countries for treatments, surgeries, prescriptions and more. Kiersten and Julien first heard about medical tourism from a friend who had four prescriptions filled for around $2.50 in Mexico. Other friends traveled to Mexico to have dental work done. A knee replacement in the USA can cost around $40,000, while the price in India is $6,000 - 9,000 and in Singapore around $12,000. The CDC has an entire webpage dedicated to medical tourism. From a hospitality standpoint, they discuss current advantages to existing in this market, including for airlines and hotels. They also talk about the issues you may encounter abroad. Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.  Support rich & REGULAR by sharing and rating us five stars on Apple Podcasts. See omnystudio.com/listener for privacy information.
1/9/202330 minutes, 35 seconds
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91: Financial Resolutions

Most Americans make New Year’s resolutions and 40% are financial goals. Today, Kiersten and Julien discuss three categories of financial activities to meet your goals: organization, protection, and conversations.  They share tips for creating a system to get organized, including: automating savings, updating budgeting apps, and evaluating debt payment. In the new year, look at ensuring your data and accounts are secure and protect yourself against income volatility. And aim to stop avoiding awkward conversations with loved ones about finances. If you’re not into resolutions, think of this as a time to reprioritize and recalibrate your financial goals. Happy new year!  Mentions: Scannable app  Personal Capital Mint YNAB MUCH Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.  Support rich & REGULAR by sharing and rating us five stars on Apple Podcasts.See omnystudio.com/listener for privacy information.
1/2/202333 minutes, 17 seconds
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90: Aldi Hype

Happy holidays! Julien is riding a wave from a recent visit to Aldi grocery store and he and Kiersten are here to share their thoughts on low-cost shopping options. They’ve noticed massive food and grocery inflation over the last couple of months. There’s also a heightened focus on food waste and food insecurity.  Today, they compare the prices between Whole Foods and Aldi, finding many prices to be 40 to 50% off. A downside is that food is often prepackaged there. But buying in larger portions allows you to save per meal while getting delicious food and most people cannot tell the difference between a store and name brand. They discuss the pain points and benefits of shopping at lower costs, including how consumerism doesn't necessarily pay when it comes to brand loyalty    Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.  Support rich & REGULAR by sharing and rating us five stars on Apple Podcasts. See omnystudio.com/listener for privacy information.
12/26/202232 minutes, 40 seconds
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89: Surprise Medical Bills

Healthcare is a big, complicated subject when it comes to finances. It’s especially nonsensical in the USA, where it’s designed to be intentionally confusing and expensive.  But healthcare is a fundamental part of life. Even if you maintain a healthy lifestyle, we're facing a trifecta of new covid variants, the flu, and RSV this winter. Kiersten and Julien Saunders (@richandregular) don’t want you to be hit with surprise medical costs.This week, they share how they plan for their healthcare expenses and tips on: How to challenge a medical bill, the dispute process and dealing with insurance reps Researching before and after care options Making plans for the future and preventative care   Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.  Support rich & REGULAR by sharing and rating us five stars on Apple Podcasts.   See omnystudio.com/listener for privacy information.
12/19/202231 minutes, 42 seconds
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88: Great Resignation

“Although the number of people quitting their jobs is down from the peak in 2021, it still remains at the highest levels since the 1970s,” says Kiersten Saunders. “The collective American psychology towards work has changed. It's like we collectively experienced this psychological shock.” Julien and Kiersten dissect the Great Resignation one year later – who quit, why they decided to, and what the impacts have been. Many workers are now taking career pivots and venturing into entrepreneurship, side hustles, online businesses and more, and getting creative with multiple income sources.  Employees are also pushing for more freedom and flexibility in their schedules, work locations, and roles.  They also discuss the generational differences between workers, the lack of progress in legislation, how women were disproportionately affected by the pandemic, and shifting social norms around wellness, parenting, and equality.    Learn more at richandregular.com, purchase Kiersten and Julien Saunders’ latest book Cashing Out: Win the Wealth Game by Walking Away, and follow on Instagram @richandregular.  Support rich & REGULAR by sharing and rating us five stars on Apple Podcasts. See omnystudio.com/listener for privacy information.
12/12/202232 minutes, 50 seconds
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87: Subscription Overload

Americans spend $219 per month on subscription services on average. What’s worse – people guess that number is closer to $86 when asked. We used to only have subs for things like newspapers, magazines, gyms, and cable. Now we have streaming services, software, online courses, sports tv, vitamins, razors and more, all of which can erode your budget!  Today, Kiersten and Julien Saunders (@richandregular) are providing tips for auditing and managing subscriptions, lowering and negotiating costs, and simplifying it all. “I dare you to cancel something today,” says Kiersten. “Watch how good it feels – I promise you there's nothing better than knowing that next month they ain't getting your $4.” Mentions: Rocket Money (previously Truebill) Hiatus Trim Track my Subs Pocket Guard Order our book Cashing Out: richandregular.com/cashingout. Rate and review on Apple Podcasts! See omnystudio.com/listener for privacy information.
12/5/202229 minutes, 53 seconds
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86: Marriage and Money

Talk about paying off debt may not be romantic. Money is the leading cause of divorce and separation in the USA. But money and marriage are one of Kiersten and Julien’s favorite topics, it’s woven into their everyday dialogue. Today they’re leading you through their core financial values to guide your thinking, as well as the three obstacles that get in the way of couples achieving their goals. Review and give rich & REGULAR five stars on Apple Podcasts.See omnystudio.com/listener for privacy information.
11/28/202238 minutes, 48 seconds
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85: The Creator Economy

More than 50 million people across the world consider themselves content creators. Kiersten and Julien (@richandregular) left the real estate industry to invest more in being creators through podcasting, blogging, making videos, and more. This week they share what the creator economy is and how people are monetizing their online content off platforms like YouTube, Instagram, TikTok, and Patreon. They discuss establishing yourself as an expert online, making relevant content, the earning potential of content creation, and developing brand partnerships.   “6 reasons a couple who retired in their 40s were 'relieved' they sold their rental properties right before the pandemic” on Business Insider “Julien and Kiersten Saunders: ‘How Much Is Enough?’” on The Long View podcastSee omnystudio.com/listener for privacy information.
11/21/202242 minutes, 12 seconds
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84: Finding your Community and Chosen Family

It’s not uncommon for money or economy talk to come up at the Thanksgiving dinner table, which can result in heated disagreements with loved ones. Money is complicated and people can be irrational about it. Family can become defensive when talking about financial plans or make you second guess your own understanding and decision making. Meeting like-minded people is one of the best investments you can make in your financial future. Community has been a secret weapon for Kiersten and Julien (@richandregular) – a place to ask questions and get real-life advice about everything from debt payoff to wealth building. This week they discuss ways to find community online and in person, and the benefits of growing your social and support circle.  Resources: Cashing Out: Win the Wealth Game by Walking Away (book) by Julien Saunders, Kiersten Saunders Financial Independence, Retire Early (FIRE) Explained: How It Works Direct Deposit (podcast) on Audible Watch The White Lotus on HBO! Thank you for being part of our small but mighty community. Leave us a little deposit by rating and reviewing Rich and Regular on Apple Podcasts.See omnystudio.com/listener for privacy information.
11/14/202236 minutes, 10 seconds
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83: Scams: Protecting Yourself and Loved Ones

Scammers love to target the vulnerable, especially in times of crisis. Do you know how to protect yourself? Julien and Kiersten (@richandregular) have fallen for scams, just like everyone else. Today, they talk about staying vigilant to prevent yourself and loved ones from getting scammed, what to say to a potential fraudster, and what to do if your personal information has been compromised. Order our book Cashing Out here: richandregular.com/cashingoutSee omnystudio.com/listener for privacy information.
11/7/202233 minutes, 46 seconds
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82: Is LinkedIn Premium Worth It?

LinkedIn Premium gives you superpowers, putting you in the HoV lane to better jobs and more money. Julien and Kiersten (@richandregular) feel LinkedIn is one of the most overlooked social media platforms, with only 20% of users 35 and older. They talk about how to use it to connect, get exposure, find out what skills are in demand, and learn more about other candidates, as well as the benefits and how best to use Premium to set yourself up for future success.   Resources:Episode 53: Upskilling to Earn More Money (Apple Podcasts) Out now in SUCCESS magazine: “How My Experience as a Black Entrepreneur Shaped My Views on Building Financial Freedom” Follow us on LinkedIn! linkedin.com/in/kierstensaunders and linkedin.com/in/juliensaundersSee omnystudio.com/listener for privacy information.
10/31/202239 minutes, 23 seconds
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81: Car Culture: Can We Break our Obsession?

“We, as Americans, believe that our cars are a part of our identity.” But gas and insurance prices keep skyrocketing and we continue to buy more and bigger cars, with record high loans and monthly payments.  Kiersten and Julien Saunders (@richandregular) have different and complicated histories with cars. Today, they’re providing financial solutions for the car obsessed, including selling and downsizing, as well as car share and subscription options. Changing your relationship with your car may be one of the simplest ways to have an immediate impact on your financial well being. Listen in to find out how to take the first steps.    Order our book Cashing Out here: richandregular.com/cashingout See omnystudio.com/listener for privacy information.See omnystudio.com/listener for privacy information.
10/24/202243 minutes, 37 seconds
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80: Tips to Keep Your Holiday Spending In Check

Consumerism reaches an all-time high during the holidays. This week, Julien and Kiersten Saunders (@richandregular) highlight the cultural expectations and seasonal changes that coax us into spending more than we should, as well as their tips for when to snag the best deals. Order our book Cashing Out here: richandregular.com/cashingoutSee omnystudio.com/listener for privacy information.
10/17/202234 minutes, 58 seconds
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79: The Perks of Going Green

Going green is more than a personal endeavor—in many ways, lowering our carbon footprint can aid in our collective contribution to solving issues like the ones we've recently seen with Hurricane Ian and the war in Ukraine. Julien and Kiersten Saunders (@richandregular) share several ways to curb our use of natural resources and save money while doing it.See omnystudio.com/listener for privacy information.
10/10/202237 minutes, 34 seconds
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78: Are You Too Loyal to Your Employer?

Some perks—like solid health insurance coverage or a corner office—make a job enticing, but don't let them determine your loyalty to a company. In the wake of the quiet quitting trend, Julien and Kiersten Saunders (@richandregular) discuss why we romanticize our jobs and, conversely, why we should be willing to view them with an honest lens.See omnystudio.com/listener for privacy information.
10/3/202247 minutes, 53 seconds
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77: The Shocking Cost of Funerals

It's hard enough to cope with the loss of a friend or family member, much less the sticker shock that comes with laying them to rest. This week, Julien and Kiersten Saunders (@richandregular) give a line-by-line review of commons funeral costs and several tips to help curb some of the expenses.See omnystudio.com/listener for privacy information.
9/26/202242 minutes, 27 seconds
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76: Curbing Food Insecurity

The "ramen diet" in college is often joked about, but it's an example of food insecurity. This week, Julien and Kiersten Saunders (@richandregular) define food insecurity and explain how those who are financially strapped can find meals or make smart decisions when it comes to grocery spending.See omnystudio.com/listener for privacy information.
9/19/202237 minutes, 7 seconds
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75: Financially Preparing for a Child

Newly released figures put the cost of raising a child at more than $300,000. This week, Julien and Kiersten Saunders (@richandregular) share the pre- and post-baby costs you need to factor into your family-planning budget, what products and maternity items you can skip buying, and their No. 1 tip when it comes to spending.See omnystudio.com/listener for privacy information.
9/12/202238 minutes, 50 seconds
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74: Quiet Quitting

This new workplace trend has been garnering attention on TikTok and LinkedIn. Julien and Kiersten Saunders (@richandregular) discuss the causes and repercussions of quiet quitting, and the types of employees who may benefit from establishing a workplace exit plan. See omnystudio.com/listener for privacy information.
9/5/202235 minutes, 59 seconds
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73: Lessons from Past Recessions

Financial experts have been predicting a recession for the last several months, so what can we expect going forward? Julien and Kiersten Saunders (@richandregular) share how to prepare for a recession, how to respond once it occurs, and the real meaning of the phrase "millionaires are made in recessions."See omnystudio.com/listener for privacy information.
8/29/202239 minutes, 31 seconds
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72: Julien's Vasectomy

Rising costs and the recent overturn of Roe v. Wade have been the catalyst for many men considering a vasectomy to follow through with the procedure. This week, Julien and Kiersten Saunders (@richandregular) detail the financial and social considerations that played a role in Julien's recent decision to get a vasectomy, the cost of the procedure, what happened during it, and the healing process.See omnystudio.com/listener for privacy information.
8/22/202240 minutes, 23 seconds
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71: Buying Used vs. New

One of the biggest ways to save money and accelerate debt payoff is to shop used. Julien and Kiersten Saunders (@richandregular) share the benefits of shopping resale sites and apps like eBay, Poshmark and Facebook Marketplace, what questions you should ask yourself before making a purchase, and how you can avoid getting scammed.See omnystudio.com/listener for privacy information.
8/15/202241 minutes, 39 seconds
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70: Breaking Into ESG Investments

ESG investments go beyond just financial gain. Julien and Kiersten Saunders (@richandregular) unpack the meaning and benefits behind this "value-aligned investing" method.See omnystudio.com/listener for privacy information.
8/8/202239 minutes, 16 seconds
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69: Investing for Your Kids

When it comes to giving your kids a leg up, estate planning isn't the only option. This week, Julien and Kiersten Saunders (@richandregular) discuss the pros and cons of several types of investment accounts that will help your kids learn money management while working toward financial security.See omnystudio.com/listener for privacy information.
8/1/202237 minutes, 23 seconds
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68: Is Franchising Right for You?

Investing isn't the only way to make money. This week, Julien and Kiersten Saunders (@richandregular) speak to the power of franchising. They explain how to know if owning a franchise is a fit for you, how to get one off the ground, and the best ways to cultivate a renowned brand.See omnystudio.com/listener for privacy information.
7/25/202241 minutes, 49 seconds
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67: Conducting Your Mid-Year Financial Review

We're halfway through the year, which means it's time to review your finances. Julien and Kiersten Saunders (@richandregular) dive into seven areas you need to audit right now to stay on top of the wealth game.See omnystudio.com/listener for privacy information.
7/18/202243 minutes, 43 seconds
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66: Tips to Travel Smarter

It's the peak of summer, which means travel season is in full swing. Julien and Kiersten Saunders (@richandregular) share the perks of booking direct, their favorite money-saving services, and why you should have a contingency plan.See omnystudio.com/listener for privacy information.
7/11/202238 minutes, 38 seconds
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65: How to Enjoy Life After Debt

Julien and Kiersten Saunders (@richandregular) cap their series on credit and debt with a discussion on what life looks like after those bills are finally all paid off. What do you do with the money that had previously been allocated toward debt payoff? How do you begin transitioning into wealth building? They answer these and other questions that arise after reaching this milestone.See omnystudio.com/listener for privacy information.
7/4/202232 minutes, 5 seconds
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64: The Buy Now, Pay Later Dilemma

Remember layaway? That buy now, pay later mindset is still around, making us more cash-strapped than ever before. Julien and Kiersten Saunders (@richandregular) explain the psychology behind loan language and what financing services to avoid.See omnystudio.com/listener for privacy information.
6/27/202233 minutes, 16 seconds
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63: Take Charge of Credit Card Debt

Despite the market groaning under increasing levels of inflation, U.S. credit card debt just hit a record-breaking $1.1 trillion dollars. This week, Julien and Kiersten Saunders (@richandregular) discuss the implications of credit card debt amid potential interest rate hikes and offer tips to keep spending at bay.See omnystudio.com/listener for privacy information.
6/20/202238 minutes, 16 seconds
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62: Cashing Out: Win the Wealth Game by Walking Away, Part 2

In the second of a two-part series, Julien and Kiersten read excerpts from their new (and first ever) book, Cashing Out: Win the Wealth Game by Walking Away. They unpack the meaning of "stealth wealth" and share how to leverage the tools at your disposal to obtain financial freedom.See omnystudio.com/listener for privacy information.
6/13/202228 minutes, 43 seconds
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61: Cashing Out: Win the Wealth Game by Walking Away

In this week's episode, Julien and Kiersten announce their first book: Cashing Out: Win the Wealth Game by Walking Away. As part one of a two-part series, the couple explore the book-writing process, what they want readers to walk away with and how financial freedom affects every aspect of life. See omnystudio.com/listener for privacy information.
6/6/202235 minutes, 17 seconds
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60: 3 Positive Trends in the World of Money

Some of us could use a little more positivity these days, so in this week’s episode, Julien and Kiersten Saunders (@richandregular) share 3 positive trends they’re seeing in the world of money.  Full show notes and resources can be found here: www.richandregular.com/e60shownotes Pre-order our book Cashing Out here: www.richandregular.com/cashingout Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achieversSee omnystudio.com/listener for privacy information.
5/30/202233 minutes, 54 seconds
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59: 5 Ways to Adjust Your Grocery Habits for Inflation

Does your grocery bill have you weak in the knees? You’re not alone. As the US is experiencing record-levels of inflation, common grocery items are seeing double-digit increases in price. In this week’s episode, Julien and Kiersten Saunders (@richandregular) tackle how to adjust your grocery habits to prevent further eroding your financial goals.  Full show notes and resources can be found here: www.richandregular.com/e59shownotes Pre-order our book Cashing Out here: www.richandregular.com/cashingout Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achieversSee omnystudio.com/listener for privacy information.
5/23/202239 minutes, 52 seconds
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58: What to Do if You’re Suddenly Laid Off

Several tech giants have announced mass layoffs or hiring freezes recently as a reaction to market conditions. Moves like this typically cause ripples in other parts of the job market and impact other sectors. In this week’s episode, Julien and Kiersten Saunders (@richandregular) talk about what to do if you suddenly lose your primary income source. Full show notes and resources can be found here: www.richandregular.com/e58shownotes Pre-order our book Cashing Out here: www.richandregular.com/cashingout Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achieversSee omnystudio.com/listener for privacy information.
5/16/202234 minutes, 44 seconds
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57: Are We Heading Toward a Recession?

According to a March CNBC+ Acorns Invest In You survey, 81% of adults said they think the US economy is likely to experience a recession in 2022. In this week’s episode, Julien and Kiersten Saunders (@richandregular) explain what a recession is, why it can be difficult to determine that we’re in one WHILE we’re in one, and a few tips to navigate the possibility that one is coming.  Full show notes and resources can be found here: www.richandregular.com/e57shownotes Pre-order our book Cashing Out here: www.richandregular.com/cashingout Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achieversSee omnystudio.com/listener for privacy information.
5/9/202243 minutes, 9 seconds
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56: Working Two Remote Jobs at the Same Time

You’ve likely heard of being “underemployed”, but there’s a new trend emerging called “overemployment” where knowledge workers take on two full-time remote-jobs, typically without disclosing to either company. Would you consider taking on some extra work for extra cash? In this week’s episode, Julien and Kiersten Saunders (@richandregular) discuss the pros and cons of this practice, with a few stories from our listeners.  Full show notes and resources can be found here: www.richandregular.com/e56shownotes Pre-order our book Cashing Out here: www.richandregular.com/cashingout Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achieversSee omnystudio.com/listener for privacy information.
5/2/202246 minutes, 4 seconds
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55: Demystifying Retirement

For many people, retirement is an elusive fantasy that feels out of reach. According to a recent article from Money, less than half of workers are confident they’ll have enough money for retirement, and another large swath of the population has a retirement plan to just work indefinitely. In this week’s episode, Julien and Kiersten Saunders (@richandregular) demystify retirement and what it requires to be in control of how your golden years are spent. Full show notes and resources can be found here: www.richandregular.com/e55shownotes Pre-order our book Cashing Out here: www.richandregular.com/cashingout Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achieversSee omnystudio.com/listener for privacy information.
4/25/202244 minutes, 1 second
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54: 5 Money Conversations to Have Today

We’re living in an unprecedented time where many of the financial rules of thumb around inflation, retirement, and even debt are being questioned. Our mission at rich & REGULAR is to inspire better conversations about money and in this week’s episode, Julien and Kiersten Saunders (@richandregular) cover five money conversations you need to have today.  Full show notes and resources can be found here: www.richandregular.com/e54shownotes Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achieversSee omnystudio.com/listener for privacy information.
4/18/202242 minutes, 43 seconds
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53: Upskilling to Earn More Money

“Upskilling” is one of the latest buzzwords to emerge from The Great Resignation trend and in this week’s episode, Julien and Kiersten Saunders (@richandregular) unpack what it means to upskill (and reskill) and why it’s such an important hedge to ensuring your earning power keeps pace with inflation and rising costs of living. Tune in to learn more about tools and resources available to help you identify in-demand skills and learning platforms that are created specifically for working adult learners. Full show notes and resources can be found here: www.richandregular.com/e53shownotes Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achieversSee omnystudio.com/listener for privacy information.
4/11/202234 minutes, 36 seconds
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52: Demystifying Business Structures

April is National Financial Literacy Month and in this week’s episode, Julien and Kiersten Saunders (@richandregular) kick it off with an explainer of a few common business structures. If you’re an experienced business owner or just thinking about dipping your toe into the world of entrepreneurship, one of the first tasks you have to do is pick a business structure. It’s easy to get confused, but once you’re clear on the advantages and disadvantages of the most common ones, you can start to determine which is best for your particular business model. Full show notes and resources can be found here: www.richandregular.com/e52shownotes Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers See omnystudio.com/listener for privacy information.
4/4/202240 minutes, 56 seconds
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51: Alternatives to Buying a House Right Now

We’ve been watching the frenzy of the housing market for over a year now and empathize with the frustration that many people are going through. In this week’s episode, Julien and Kiersten Saunders (@richandregular) offer a potential outlet for all the anxiety by sharing 4 alternatives to buying a house right now and offering some perspective on how to think about the housing market.   Full show notes and resources can be found here: www.richandregular.com/e51shownotes Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achieversSee omnystudio.com/listener for privacy information.
3/28/202240 minutes, 16 seconds
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50: Understanding Total Stock Market Index Funds

It’s not a secret that we’re huge fans of index fund investing as the simplest path to wealth. In this week’s episode, Julien and Kiersten Saunders (@richandregular) break down why by explaining how to read a fund’s prospectus or annual report. You’ll learn how to determine what’s driving a fund’s growth, how much it’s costing you to own it, and how to tell if your investments are on par with the market averages.  Full show notes and resources can be found here: www.richandregular.com/e50shownotes Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achieversSee omnystudio.com/listener for privacy information.
3/21/202245 minutes, 24 seconds
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49: “Can We Get a Podcast about the Metaverse?”

We received a listener request to explain the metaverse so that’s what we did! In this week’s episode, Julien and Kiersten Saunders (@richandregular) are talking about the multi-trillion dollar opportunity that all your favorite brands and banks are clamoring to participate in: the metaverse. Listen to learn more about what the metaverse is, why people are so excited about it, and if you happen to be a believer, we cover a few ways you can invest in it today.  Full show notes and resources can be found here: www.richandregular.com/e49shownotes Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers See omnystudio.com/listener for privacy information.
3/14/202248 minutes, 57 seconds
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48: It’s OK to Not Be Passionate about Your Job

A common piece of career advice is to “follow your passion” so it never feels like work. Well, in this week’s episode, Julien and Kiersten Saunders (@richandregular) discuss how following your passion can impact your financial life based on a new book called The Trouble with Passion: How Searching for Fulfillment at Work Fosters Inequality. People who work in fields like healthcare, social work, nonprofits and education are known for their devotion, but conflating passion with long hours and overtime can lead to burnout and resentment. Tune in to learn more about the shortcomings of “follow your passion” and what to do instead.  Full show notes and resources can be found here: www.richandregular.com/e48shownotes Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achieversSee omnystudio.com/listener for privacy information.
3/7/202234 minutes, 34 seconds
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47: Media Literacy and Our Financial Lives

Defining “financial literacy” in the 21st century means looking beyond basic math comprehension - it requires an understanding of other intersecting literacies like tech and media. In this week’s episode, Julien and Kiersten Saunders (@richandregular) cover 3 key traits of the US media industry and what implications it has to your financial life.  Full show notes and resources can be found here: www.richandregular.com/e47shownotes Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers See omnystudio.com/listener for privacy information.
2/28/202245 minutes, 33 seconds
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46: How to Protect Your Valuable Items

A common piece of financial advice is to buy insurance for what you can’t afford to replace, but how much is too much? This week, Julien and Kiersten Saunders (@richandregular) cover some common ways to protect your valuable items. Whether it’s your home, jewelry, electronics, or rare book collection, the world of insurance and warranties can get murky and requires some hands-on research. Listen to hear their best advice for navigating policies and getting the best coverage at the best price.  Full show notes and resources can be found here: www.richandregular.com/e45shownotes Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers See omnystudio.com/listener for privacy information.
2/21/202239 minutes, 14 seconds
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45: You Need Financial Wisdom More than Willpower

Philosophers have spent centuries trying to define what wisdom is and why it’s valuable to no avail. On today’s episode, Julien and Kiersten Saunders (@richandregular) unpack one of the most misunderstood traits and share new research about how wisdom may be the thing that helps you achieve your financial goals more than willpower. In it, they share insights about what wisdom is, what it’s not, and how you can begin to cultivate greater wisdom for yourself and your decisions.  Full show notes and resources can be found here: www.richandregular.com/e45shownotes Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers See omnystudio.com/listener for privacy information.
2/14/202239 minutes, 47 seconds
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44: 5 Financial Don'ts

We live in a world full of abundant information, so much so that sometimes it can feel like we have unlimited options which can lead to financial overwhelm, or even worse: analysis paralysis.  The hard truth is, sometimes deciding what you’re NOT going to do is just as impactful as deciding what you are going to do. In this episode, Julien and Kiersten Saunders (@richandregular) are kicking off the month of February with a list of 5 Financial Don’ts to help you narrow down the list and take some things off the table! Full show notes and resources can be found here: www.richandregular.com/e44shownotes Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers See omnystudio.com/listener for privacy information.
2/7/202245 minutes, 5 seconds
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43: 4 Small Habits That Have Big Financial Impacts

It’s the last day of the first month of the New Year and statistically, the majority of people have already given up on some of your resolutions. Maybe they were too big, too ambitious, or just flat out too hard…but that doesn’t mean you can’t still make progress on your financial goals. In this episode, Julien and Kiersten Saunders (@richandregular) are talking about 4 small habits that have big impacts on personal finances. Full show notes and resources can be found here: www.richandregular.com/e43shownotes Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers See omnystudio.com/listener for privacy information.
1/31/202243 minutes, 4 seconds
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42: Things to Consider Before Relocating

According to the Chief Economist of LinkedIn, prior to the pandemic one in every 67 jobs were remote, and today it’s one in 7. This growing trend of remote work has created a lot of opportunities for more people to consider relocation for the first time in their careers. In this episode, Julien and Kiersten Saunders (@richandregular) explore a few financial and emotional considerations to think about if you’re considering taking the leap and migrating somewhere else.  Full show notes and resources can be found here: www.richandregular.com/e42shownotes Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers See omnystudio.com/listener for privacy information.
1/24/202244 minutes, 56 seconds
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41: Ways to Invest Outside of the Stock Market

By now you’ve probably seen several financial experts and influencers making their predictions about how the stock market is going to perform in 2022. In this episode, Julien and Kiersten Saunders (@richandregular) ignore all of that and talk about diversifying your portfolio beyond the stock market. While stocks have a proven track record of being a stable investment, emerging fintech platforms and recent changes in crowdfunding regulations have enabled retail investors to participate in asset classes that have been historically unavailable to them like commercial real estate, fine art and even rare wines.  Full show notes and resources can be found here: www.richandregular.com/e41shownotes Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers See omnystudio.com/listener for privacy information.
1/17/202240 minutes, 58 seconds
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40: Tech Illiteracy and Our Financial Lives

In this episode, Julien and Kiersten Saunders (@richandregular) connect the dots between tech literacy and financial literacy by exploring some of the ways your digital savviness (or lack thereof) can impact your wallet. Whether you consider yourself a gadget geek or tech-hesitant, tune into this episode. It will challenge you to keep learning and expanding your knowledge base.    Full show notes and resources can be found here: www.richandregular.com/e40shownotes Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers See omnystudio.com/listener for privacy information.
1/10/202247 minutes, 1 second
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39: Eat Better On a Budget

Happy New Year! If eating healthier is one of your 2022 goals, this episode is for you. In this episode, Julien and Kiersten Saunders (@richandregular) share their favorite tips and solutions for cooking more at home. Food is one of the top 3 expenses for Americans and yet over 30-40% of the food we buy is wasted. Listen now to learn their favorite tips to cross-utlize ingredients and eat better on a budget.   Full show notes and resources can be found here: www.richandregular.com/e39shownotes Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achieversSee omnystudio.com/listener for privacy information.
1/3/202247 minutes, 55 seconds
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38: Tips for Setting Your 2022 Financial Goals

New Year, new goals! It’s the time of year where people are buzzing with optimism and anticipating the fresh start of a new year. In this episode, Julien and Kiersten Saunders (@richandregular) talk about why setting purely financial goals may not be the most useful exercise and offer their best tips and lessons about how to still achieve your money aspirations without losing yourself along the way.  Full show notes and resources can be found here: www.richandregular.com/e38shownotes Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers See omnystudio.com/listener for privacy information.
12/27/202141 minutes, 6 seconds
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Tips for setting your 2022 Financial Goals

New Year, new goals! It’s the time of year where people are buzzing with optimism and anticipating the fresh start of a new year. In this episode, Julien and Kiersten Saunders talk about why setting purely financial goals may not be the most useful exercise and offer their best tips and lessons about how to still achieve your money aspirations without losing yourself along the way. Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow
12/27/202141 minutes, 5 seconds
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37: The New Rules of Money Etiquette

As the world continues to change at a rapid pace, we’re starting to transition away from money being a taboo subject and more and more people are being encouraged to talk about money. In this episode, Julien and Kiersten Saunders (@richandregular) talk about the thin line between being transparent and being tacky and how to navigate this new normal of openness.  Full show notes and resources can be found here: www.richandregular.com/e37shownotes Connect with us in the Success Achievers Community! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers See omnystudio.com/listener for privacy information.
12/13/202133 minutes, 36 seconds
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36: Why We Get Excited about Robo-Advisors

Roboadvisors were one of the reasons we fundamentally knew money and investing was changing forever and the pace of change would be faster than anyone could imagine.  In this episode, Julien and Kiersten Saunders (@richandregular) talk about what they are, how they work, how they differ from traditional advisors and a few recommendations on getting started. Full show notes and resources can be found here: www.richandregular.com/e36shownotes Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers See omnystudio.com/listener for privacy information.
12/6/202130 minutes, 8 seconds
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35: Things We Regret NOT Buying

People always talk about buyers remorse, but what about the other side of that coin? In this episode, Julien and Kiersten Saunders (@richandregular) run down the list of things they regret NOT buying and if there’s a way to recognize when you’re being CHEAP (vs. frugal) in the moment or if hindsight is truly 20/20 when it comes to financial regrets. Full show notes and resources can be found here: www.richandregular.com/e35shownotes Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achieversSee omnystudio.com/listener for privacy information.
11/29/202130 minutes, 56 seconds
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34: Unpacking Success Guilt

In the spirit of awkward Thanksgiving conversations, this week’s episode is all about Success Guilt. In this episode, Julien and Kiersten Saunders (@richandregular) break down why some people feel less inclined to share when things are going well, and what impact that has on others. If you’ve ever felt that ping of regret immediately after sharing a financial win, this episode is for you.    Full show notes and resources can be found here: www.richandregular.com/e34shownotes Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achieversSee omnystudio.com/listener for privacy information.
11/22/202130 minutes, 5 seconds
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33: Let’s End the Debt Shame Game

If you were to survey 1000 people to identify a feeling they associate with their debt, most of them would say “shame”.  While shame can be a productive tool for some, it doesn’t work for everyone. In this episode, Julien and Kiersten Saunders (@richandregular) are talking about the relationship between shame and debt and how using shame as a motivator can actually work against you.  Full show notes and resources can be found here: www.richandregular.com/e33shownotes Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achieversSee omnystudio.com/listener for privacy information.
11/15/202138 minutes, 44 seconds
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32: What's New with Credit

Recent enhancements to technology have changed every aspect of how we manage our financial lives; particularly in managing credit. Most people are familiar with lucrative credit card offers and loyalty programs. But today, there are even more exciting features and benefits to lure in more customers. In this episode, Julien and Kiersten Saunders (@richandregular)  talk about how credit has changed over the years, what's changed in credit scoring, some emerging trends and how it all can impact your financial life. Full show notes and resources can be found here: www.richandregular.com/e32shownotes Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achieversSee omnystudio.com/listener for privacy information.
11/8/202135 minutes, 45 seconds
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31: Have You Outgrown Your Financial Hero?

They say you can tell what kind of ideals a person has based on who their heroes are, but what happens when you start to disagree with the people you admire most? At first you might be compelled to try to convince them to see your side, but if they can’t be swayed...then what? In this episode, Julien and Kiersten Saunders (@richandregular) discuss what it means to outgrow a financial hero and how you can recognize when it’s happening.    Full show notes and resources can be found here: www.richandregular.com/e31shownotes Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers See omnystudio.com/listener for privacy information.
11/1/202141 minutes, 19 seconds
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30: Your Career Is Not Your Identity

It’s natural to identify with the places in your life where you spend the most time and receive the most feedback, but failing to realize that who you are is not the same as what you do can be an expensive endeavor. In this episode, Julien and Kiersten Saunders (@richandregular) unpack identity and how it can be a powerful filter in the world that either increases your earning potential or decreases it. Full show notes and resources can be found here: www.richandregular.com/e30shownotes Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achieversSee omnystudio.com/listener for privacy information.
10/25/202138 minutes, 6 seconds
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29: Frugal Home Flipping

In this episode, Julien and Kiersten Saunders (@richandregular) discuss a recent article from the Nov/Dec issue of Success Magazine. The article features an interview with HGTV star Tarek El-Moussa where he shares his advice for new flippers, as well as where to focus your efforts if you want to protect the profit margin on your flips.  Full show notes and resources can be found here: www.richandregular.com/e29shownotes Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers See omnystudio.com/listener for privacy information.
10/18/202129 minutes, 24 seconds
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28: Understanding Bull Markets

“Buy low, sell high” is one of those money phrases that gets tossed around often...but how do you know if a low point is the lowest point? Or conversely, how do you know when a high point is at its highest and therefore know when to invest or when to sell? In this episode, Julien and Kiersten Saunders (@richandregular) explore what it means to be in a bull market and what you can do to ensure you’re not too late to the party.   Full show notes and resources can be found here: www.richandregular.com/e28shownotes Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers See omnystudio.com/listener for privacy information.
10/11/202134 minutes, 27 seconds
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27: Coping with Financial Fraud

The amount of fraud continues to rise among market and economic uncertainty. And after recently watching the Amazon Prime docuseries LulaRich, Julien and Kiersten Saunders (@richandregular) decided to tackle coping with financial fraud. In this episode, they discuss some common grifts as well as red flags and what to do to protect yourself if you’ve been defrauded.  Full show notes and resources can be found here: www.richandregular.com/e27shownotes Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achieversSee omnystudio.com/listener for privacy information.
10/4/202143 minutes, 24 seconds
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26: Employee Burnout and Rage-quitting

We’re in the middle of the Great Resignation, and more employees are citing burnout as the reason for leaving. In this episode, Julien and Kiersten Saunders (@richandregular) discuss the latest trends and reports related to burnout, and the financial implications of “rage-quitting” or leaving a job abruptly before you have another plan. From healthcare to tax and credit implications, there are few things you should be thinking about before you make a short-term decision that has longer-term financial implications.  Full show notes and resources can be found here: www.richandregular.com/e26shownotes Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers See omnystudio.com/listener for privacy information.
9/27/202130 minutes, 44 seconds
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25: Do Competitive People Make More Money?

“Competitive” is one of those charged words that people either identify with or they don’t. It’s a word that is used to positively describe winners and negatively describe people who aren’t good team players, all at once. On this week’s episode, Julien and Kiersten Saunders (@richandregular) tackle the question: do competitive people make more money? Listen in for a nuanced discussion of how your competitiveness can either benefit or harm your financial journey.    Full show notes and resources can be found here: www.richandregular.com/listen Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achieversSee omnystudio.com/listener for privacy information.
9/20/202135 minutes, 49 seconds
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24: What to Expect in between Financial Milestones

Goal setting is the cornerstone of wealth building, but what should you expect when you’re in between goals? What should you be planning for? In this episode Julien and Kiersten Saunders (@richandregular) discuss the financial, emotional and psychological effects of achieving financial milestones.  Full show notes and resources can be found here: www.richandregular.com/listen  Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers See omnystudio.com/listener for privacy information.
9/13/202139 minutes, 23 seconds
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23: Our Favorite Ways to Learn about Money

They said when the student is ready, the teacher will appear! In this episode, Julien and Kiersten Saunders (@richandregular) talk about their favorite ways to learn about money. From books, to podcasts and even movies, there’s no shortage of modern day “teachers”. Pick one and then get your hands dirty and put all that knowledge into practice.    Full show notes and resources can be found here: www.richandregular.com/listen Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers This episode is sponsored by BELAY. Text the word SUCCESS to 55123 for your free download from BELAY or visit belaysolutions.com/successSee omnystudio.com/listener for privacy information.
9/6/202136 minutes, 26 seconds
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22: How to Deal with the Fear of Losing Money

If your fear of losing money is the thing that’s keeping you stuck, this episode is for you. Julien and Kiersten Saunders (@richandregular) discuss loss aversion and offer tips on how you can start to teach your brain to react differently to losses and more strongly to gains.  Full show notes and resources can be found here: www.richandregular.com/listen Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers This episode is sponsored by BELAY. Text the word SUCCESS to 55123 for your free download from BELAY or visit belaysolutions.com/successSee omnystudio.com/listener for privacy information.
8/30/202133 minutes, 11 seconds
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21: The Joys of Different Types of Income

Research suggests that the average millionaire has seven streams of income, and in this episode Julien and Kiersten Saunders (@richandregular) discuss some of the overlooked benefits of having multiple sources of income.  Full show notes and resources can be found here: www.richandregular.com/listen  Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers This episode is sponsored by BELAY. Text the word SUCCESS to 55123 for your free download from BELAY or visit belaysolutions.com/successSee omnystudio.com/listener for privacy information.
8/23/202132 minutes, 12 seconds
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20: When to Level Up and Pay for a Community, Course or Program

There is a natural conflict between wanting to be better at something and trying to minimize expenses - how do you know when it’s time to level-up and pay to play? We all love free stuff, but in this episode Julien and Kiersten Saunders (@richandregular) discuss  how they decide when to spend money on a community, course or program.  Full show notes and resources can be found here: www.richandregular.com/listen  Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers This episode is sponsored by BELAY. Text the word SUCCESS to 55123 for your free download from BELAY or visit belaysolutions.com/successSee omnystudio.com/listener for privacy information.
8/16/202141 minutes, 15 seconds
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19: Managing Love and Money

Money is the leading cause of arguments in relationships and a primary factor of why half of marriages end up in divorce. In this episode, Julien and Kiersten Saunders (@richandregular) discuss an article by Emma Johnson in the September/October issue of Success Magazine about the most common financial disagreements that drive couples apart and offer some practical tips to resolve them. Full show notes and resources can be found here: www.richandregular.com/listen  Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers This episode is sponsored by BELAY. Text the word SUCCESS to 55123 for your free download from BELAY or visit belaysolutions.com/successSee omnystudio.com/listener for privacy information.
8/9/202131 minutes, 23 seconds
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18: A Conversation with the CEO of SUCCESS Magazine

Julien and Kiersten welcome a guest for his episode, speaking to SUCCESS CEO Glenn Sanford. They discuss Glenn's investing strategy, the mechanics of his purchase of SUCCESS and his crypto history. This episode is sponsored by BELAY. Text the word SUCCESS to 55123 for your free download from BELAY or visit belaysolutions.com/successSee omnystudio.com/listener for privacy information.
8/2/202147 minutes, 6 seconds
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17: The Purpose of Income

The first time Julien and Kiersten Saunders (@richandregular) explained the Purpose of Income, they were on a campus speaking to a group of students, faculty and staff talking about what it takes to build a “Modern Money Mindset”. One of the steps was to give your income a purpose and the audience was baffled about what that meant. In this week’s episode, they walk you through the same framework they taught that group and challenge you to think about your income differently. Budgets are important, but giving your income a larger purpose will help you gain clarity on your goals, stop chasing income indefinitely and put your money to work so you don’t have to work for it.  Full show notes and resources can be found here: www.richandregular.com/listen Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers This episode is sponsored by BELAY. Text the word SUCCESS to 55123 for your free download from BELAY or visit belaysolutions.com/successSee omnystudio.com/listener for privacy information.
7/26/202136 minutes, 21 seconds
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16: 3 Reasons to Open a Brokerage Account

When people think about investing, they tend to default to retirement accounts. And those are great, but did you know there were accounts that didn’t penalize you for withdrawing before retirement age? In this episode, Julien and Kiersten Saunders (@richandregular) go over the features and benefits of brokerage accounts and why you should consider opening one.  Full show notes and resources can be found here: www.richandregular.com/listen  Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers This episode is sponsored by BELAY. Text the word SUCCESS to 55123 for your free download from BELAY or visit belaysolutions.com/successSee omnystudio.com/listener for privacy information.
7/19/202137 minutes, 23 seconds
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15: How to Offset the Cost of Education with a 529 Plan

According to the 2018 Education at a Glance report, the U.S. spends more on college than almost any other country. In fact, the average college tuition in 2018 is nineteen times bigger than it was in 1971. In this episode, Julien and Kiersten Saunders (@richandregular) explain how to offset the cost of education with a 529 plan. Even if a student in your life is not college-bound, 529s are an underrated tool that can be used for K-12 education costs and other qualified education expenses like books, supplies and computers.  Full show notes and resources can be found here: www.richandregular.com/listen Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers This episode is sponsored by BELAY. Text the word SUCCESS to 55123 for your free download from BELAY or visit belaysolutions.com/successSee omnystudio.com/listener for privacy information.
7/12/202141 minutes, 27 seconds
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14: New Ways to Experience Luxury without Ownership

If you’ve ever used the phrase “fake it till you make it” or “treat yo’self!”, then this episode is for you. Julien and Kiersten Saunders (@richandregular) talk about new ways to experience luxury without ownership. While we love our low-key and frugal life, occasionally we like to splurge and be pampered. In this episode, we share our thoughts on the emerging “accessible luxury” economy (sometimes also referred to as the “Flex economy”. From designer clothes to private jets, we talk about ways you can experience the finer things in life without having to shell out the cash and buy it outright.  Full show notes and resources can be found here: www.richandregular.com/listen Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers This episode is sponsored by BELAY. Text the word SUCCESS to 55123 for your free download from BELAY or visit belaysolutions.com/successSee omnystudio.com/listener for privacy information.
7/5/202138 minutes, 23 seconds
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13: Asking for Financial Help

We all get by with a little help from our friends...or these days, strangers on the internet. In this episode, Julien and Kiersten Saunders (@richandregular) talk about asking for financial help. Whether you’re the person who needs money or you’re the person being asked for money, this episode is for you.  We’re talking about:  What to keep in mind if you’re being asked for financially assistance and need to say no  How cash-sharing and peer-to-peer giving apps changed the charity model  Tips for how to ask for financial assistance  Whether people are obligated to tell you what they need the money for  Tips for what to do if you need assistance and everybody you ask says no  Full show notes and resources can be found here: www.richandregular.com/listen  Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers This episode is sponsored by BELAY. Text the word SUCCESS to 55123 for your free download from BELAY or visit belaysolutions.com/successSee omnystudio.com/listener for privacy information.
6/28/202133 minutes, 54 seconds
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12: How to Financially Prepare for a Promotion at Work

We’re all told to seek out promotions, but when was the last time you calculated the costs of doing business at a higher level?  In this episode, Julien and Kiersten Saunders (@richandregular) dive into what comes with a big promotion and how to pursue one, while also preparing for it.  We cover:  The difference between promotions and standard cost of living increases Practical tips for negotiating and realizing your total compensation What an adjacent skill is and why they’re important How promotions can be a catalyst for lifestyle inflation Full show notes and resources can be found here: www.richandregular.com/listen  Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers This episode is sponsored by BELAY. Text the word SUCCESS to 55123 for your free download from BELAY or visit belaysolutions.com/successSee omnystudio.com/listener for privacy information.
6/21/202142 minutes, 47 seconds
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11: Imagining Your Worst-Case Scenario

How much wisdom is in the old saying, “plan for the worst, but hope for best”? In this episode, Julien and Kiersten Saunders (@richandregular) argue against our cultural staple of indefinite optimism. There is now enough data to suggest that most working-age American’s financial forecast should include plans for a sudden job loss or significant disruption income. Nobody likes to imagine the worst case scenario, but it may be the key to building financial resilience.  We cover:  Income volatility and the probability working-age American’s income is likely to be disrupted The most vulnerable demographic groups for wage stagnation  What the ‘Two Income Trap’ is  How to practice pessimism in the short-term and the long-term  Full show notes and resources can be found here: www.richandregular.com/listen  Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers This episode is sponsored by BELAY. Text the word SUCCESS to 55123 for your free download from BELAY or visit belaysolutions.com/successSee omnystudio.com/listener for privacy information.
6/14/202135 minutes, 56 seconds
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10: Expensive Hobbies

Julien and Kiersten Saunders (@richandregular) discuss the costs of being a hobbyist. “Expensive” is a relative term, but some hobbies are more costly than others. What impact do your hobbies have on your financial plan?  In this episode, we talk about:  The connection between hobbies and identity  How to squeeze some cash flow out of a depreciating asset  How to handle “sneaky” hobbies that impact multiple budget categories Ways to bring down the cost of being a foodie  Full show notes and resources can be found here: www.richandregular.com/listen  Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers This episode is sponsored by BELAY. Text the word SUCCESS to 55123 for your free download from BELAY or visit belaysolutions.com/successSee omnystudio.com/listener for privacy information.
6/7/202143 minutes, 44 seconds
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9: When Your Loved Ones Disagree with Your Financial Choices

Julien and Kiersten Saunders (@richandregular) discuss the interpersonal conflict that comes with tackling a meaningful financial goal. In fact, conflict is usually a key theme in most financial advice. The harsh truth is while your self-esteem can take a hit when the people closest to you don’t support your financial decisions, it’s not a reason to stop.  In this episode, we discuss:  Conflict with others being the hardest part of wealth-building  What can happen when your financial plan is at odds with your social agenda How a fear of moving away from home can affect your financial trajectory How the experience of managing conflict evolves over time and across your financial journey  Full show notes and resources can be found here: www.richandregular.com/listen Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achieversSee omnystudio.com/listener for privacy information.
5/31/202140 minutes, 53 seconds
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6: Competitiveness in Relationships

Julien and Kiersten Saunders (@richandregular) explore the healthy and unhealthy ways people compete in relationships -- and not just the romantic ones! Whether it’s a desire to ‘out-gift’ your partner, or a race to ‘out-earn’ your colleagues, competition in relationships can have both positive and negative effects on your financial goals.  In this episode, we discuss:  Ways competition might show up in relationships A study that suggests friendly competition is a way to “spice things up” The social shifts in becoming a breadwinner and the pressures associated with being one How to manage a competitive spirit without ruining relationships Full show notes and resources can be found here: www.richandregular.com/listen  Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers  See omnystudio.com/listener for privacy information.
5/24/202133 minutes, 56 seconds
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8: Adjusting Your Financial Plan when Life Happens

Julien and Kiersten Saunders (@richandregular) discuss three life-changing events: becoming a parent, divorce and death. What do they all have in common? They can be very, very expensive. And ironically as common as these experiences are, they are some of the least talked about topics.  In this episode, we discuss:  How to financially prepare for a child/new family member  Some best practices/resources for handling a large medical bill   Solid financial routines for married couples that may mitigate messy divorce proceedings  Estate planning and ways you can financially prepare for the inevitable.  Full show notes and resources can be found here: www.richandregular.com/listen  Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers See omnystudio.com/listener for privacy information.
5/17/202140 minutes, 49 seconds
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7: Financially Supporting a Parent (Our Story)

Julien and Kiersten Saunders (@richandregular) are discussing their personal experience of moving their mom out of Senior housing and taking on the role of financially supporting a parent. Caring for elders and children at the same time isn’t a new concept, but a recent report suggests that modern caregivers are younger and more ethnically diverse and newer to caregiving as a whole. Millennials and Gen X’ers are feeling the squeeze.  We don’t have any magic solutions, but in this week’s episode, we share:  How Julien’s upbringing and cultural norms impacted his financial planning  What led us to step in and provide financial assistance  What it means to be part of the “sandwich generation” Our favorite resources on navigating difficult money conversations with parents Full show notes and resources can be found here: www.richandregular.com/listen  Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers See omnystudio.com/listener for privacy information.
5/10/202147 minutes, 48 seconds