Just Another Money Podcast

Those small money habits that seem harmless? They’re slowly pulling you off course. In this episode, Lauren and Nick break down 10 of the most common money questions — from budgeting and debt payoff to credit scores, investing, buying a home, and more.0:00 – The “1° Rule”1:19 – Credit cards: should you really have one?3:58 – How to build a budget that actually works7:50 – Buying a home: what to know before you’re ready11:50 – What should you be investing in?15:44 – Paying off credit card debt the realistic way20:56 – How couples should manage their money (different styles, same goals)23:02 – Smartest ways to pay for college–––––––Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coachingWant to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-questionReach us directly on Instagram @moneycoachlauren or @habitfinances

Big life decisions get expensive fast — investing, buying a home, starting a family. In this episode, Lauren and Nick break down how to know if you’re truly financially ready and what most people overlook.0:00 – Intro2:58 – Why home “affordability” keeps getting worse5:40 – Are you actually ready to start investing?11:23 – Riding the market roller coaster without panicking16:09 – How to know you’re financially ready to buy a home25:02 – The real costs of starting a family (and how to prepare)–––––––Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coachingWant to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-questionReach us directly on Instagram @moneycoachlauren or @habitfinances

Are people "doing money wrong"? In this week's episode, Lauren and Nick break down three of the most controversial money debates: joint vs. separate bank accounts, renting vs. buying, and whether $100K is still a “good income.”0:00 – Why small purchases do matter0:39 – Joint vs. separate bank accounts: what actually works5:58 – The hybrid system most couples should consider10:23 – Renting vs. buying: the most misunderstood debate15:59 – The hidden costs of homeownership22:45 – Is $100K still a good income?–––––––Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coachingWant to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-questionReach us directly on Instagram @moneycoachlauren or @habitfinances

In this week's episode, Lauren and Nick upack three of the most controversial personal finance debates. 0:00 – Intro: Why money topics get so polarizing1:31 – “Can I still splurge while paying off debt?”5:18 – Why the “little splurges” often cause big setbacks7:15 – Consistency vs. all-or-nothing: finding the right balance8:49 – Discomfort, mindset shifts, and breaking spending habits10:25 – New vs. Used Cars in 2025: what actually makes financial sense13:18 – Depreciation, interest rates & real-world car buying stories17:32 – When buying NEW does make sense (and when it doesn’t)22:04 – Is college a scam? The real ROI conversation23:24 – How to make college affordable without ruining your future25:19 – Degrees vs. skills: what employers are shifting toward33:14 – Why Gen Z might be the first to get college right–––––––Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coachingWant to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-questionReach us directly on Instagram @moneycoachlauren or @habitfinances

Feeling stressed about money? In this week’s episode, Lauren and Nick break down three real-world money scenarios — from living paycheck to paycheck on six figures, to being buried in debt and shame, to feeling anxious about money even when everything looks “perfect” on paper.0:00 – Intro1:35 – Making six figures but still broke4:00 – Lifestyle creep, debt cycles, and hard choices10:00 – Debt shame and anxiety: why mindset matters more than math14:30 – Breaking the guilt loop and rebuilding your plan22:00 – “We only eat out once a week…” (why small leaks sink big ships)23:50 – When your finances are fine, but you’re still stressed26:30 – Learning to spend without guilt33:00 – How to stop overanalyzing and actually enjoy your money35:00 – Final thoughts + how to get your questions on the show–––––––Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coachingWant to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-questionReach us directly on Instagram @moneycoachlauren or @habitfinances

In this week’s episode, Lauren and Nick break down how to rebuild your financial life — from paying off debt and creating stability to getting your money working for you again.0:00 – Intro: Starting over and getting your finances back on track1:17 – How to rebuild after credit card debt (listener story)4:30 – The real key to financial progress (and why income isn’t everything)6:20 – Building an emergency fund and using the “living at home” advantage8:00 – Staying disciplined while making it sustainable10:15 – Should parents let adult kids live at home? (pros and cons)13:31 – “We’re debt free! Now what?” — adjusting to your new financial reality17:30 – Life after debt: emergency funds, lifestyle creep, and sustainability20:36 – The mindset shift from intensity to intentionality24:00 – Falling off track? How to reset and start again25:58 – “How do we get our money working for us again?” — building momentum post-debt29:30 – Enjoying your money without guilt31:19 – Automating your finances for long-term freedom–––––––Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coachingWant to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-questionReach us directly on Instagram @moneycoachlauren or @habitfinances

Money problems don’t always start with the numbers—they start with communication. In this week’s episode, Lauren and Nick tackle three real-life scenarios from couples struggling with money alignment: separate bank accounts, mismatched spending habits, and crushing credit card debt. 0:00 – Intro2:26 – Should couples combine finances?4:03 – Red flags in marriage and money conversations6:37 – When boundaries turn into barriers12:25 – “My partner overspends and I’m losing patience”16:00 – The real reason one partner avoids money talks20:36 – $45,000 in credit card debt: where do you even start?28:21 – The biggest takeaway: alignment over perfection–––––––Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coachingWant to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-questionReach us directly on Instagram @moneycoachlauren or @habitfinances

Think you're good with money… until you realize you’ve been lying to yourself? In this week’s episode, Lauren and Nick unpack the money lies we all tell ourselves—from “I can afford it” to “I’ll start saving when I make more.”0:00 – Intro: The little lies that keep us stuck2:00 – “I can afford it” – The danger of monthly payments6:40 – Why impulse spending is easier than ever7:10 – “I’ll start saving when I’m older” – The cost of waiting11:50 – “Debt is normal” – Why being debt-free is anything but weird17:20 – “I’ll save when I make more” – Why income isn’t the problem22:10 – “I deserve this purchase” – The mindset trap that holds you back27:35 – Final thoughts: How to stop using excuses and start making progress–––––––Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coachingWant to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-questionReach us directly on Instagram @moneycoachlauren or @habitfinances

Are you caught in the endless cycle of credit card debt, consolidation loans, and paycheck-to-paycheck stress? In this episode, Nick and Lauren break down why behavior beats income, when debt consolidation makes sense (and when it doesn’t), and how couples can rebuild trust with money.0:00 – Intro0:45 – Is income really the problem?2:10 – Lifestyle creep and hidden debt traps4:00 – Listener story: $20K in credit cards & $12K in consolidation loans6:05 – Debt consolidation: tool or trap?9:20 – The behavior behind the debt cycle12:15 – Couples & money: building alignment and trust15:45 – Bankruptcy: last resort or lifeline?18:30 – Final takeaways and action steps–––––––Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coachingWant to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-questionReach us directly on Instagram @moneycoachlauren or @habitfinances

Most people think being “good with money” just means earning more — but that’s only part of the story. In this episode, Lauren and Nick break down the five essential habits that help you build lasting financial success.0:00 – Intro1:10 – Why income isn’t the full picture of financial success2:35 – Living below your means5:50 – Budgeting with intention instead of restriction9:15 – Putting your money to work (debt, savings, and goals)12:45 – Investing for your future and thinking long-term17:10 – Planning for future responsibilities and big dreams22:45 – The mindset shift that makes financial habits actually stick27:15 – Final thoughts: Building the habits that lead to freedom–––––––Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coachingWant to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-questionReach us directly on Instagram @moneycoachlauren or @habitfinances

Credit card debt, debt consolidation, and even homeownership can become financial traps if you’re not careful. In this episode, Lauren and Nick unpack real-life stories of money mistakes, why emotions often cloud financial decisions, and what it really takes to break free from the debt cycle.0:00 – Intro: Why credit cards cause so much controversy0:57 – The reality of credit card debt in America2:15 – How innocent spending snowballs into years of debt3:36 – Listener story: $75,000 in credit card debt at 186:53 – Why lifestyle changes are key to paying off debt8:43 – The problem with shortcuts like consolidation or 401(k) withdrawals10:25 – Common debt mistakes: carrying balances, cosigning, and bad car loans22:04 – When homeownership turns into a nightmare29:47 – Lessons learned: financial decisions are emotional, not logical–––––––Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coachingWant to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-questionReach us directly on Instagram @moneycoachlauren or @habitfinances

Think your money habits don’t matter that much? Think again. In this week’s episode, Lauren and Nick break down how destructive financial habits sneak into your life, why starting late doesn’t mean it’s too late, and what real people have learned from both hitting rock bottom and becoming debt free.0:00 – Intro & the most destructive force in your finances1:00 – Why bad money habits hold you back from building wealth2:15 – “I’m 42 with no savings—am I too late?”6:45 – Rock bottom: losing savings, debt, and starting over11:15 – Debt-free journey: 31k paid off in 15 months21:00 – Lessons learned: small wins, sacrifice, and confidence27:45 – Final thoughts: the time will pass—where will you be?–––––––Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coachingWant to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-questionReach us directly on Instagram @moneycoachlauren or @habitfinances

The 4 biggest money mistakes people make in their 20s & 30s––debt, extra cash, money fights with a partner, and overspending. In this week’s episode, Lauren and Nick cut through the noise and get back to the financial basics: how to pay off debt the right way, what to do with extra money after bills, how to split expenses fairly in a relationship, and why even high earners can end up broke.0:00 – Intro1:02 – Should you cash out your 401(k) to pay off debt?9:00 – What to do with extra money left after bills15:56 – Splitting bills with your partner fairly20:20 – When values clash in money conversations22:18 – Living paycheck to paycheck on a high income28:51 – Trade-offs, lifestyle creep, and how to fix spending31:49 – Final thoughts and wrap-up–––––––Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coachingWant to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-questionReach us directly on Instagram @moneycoachlauren or @habitfinances

Think tipping less for bad service is fair? Or that renting might be smarter than owning? In this week’s episode, Lauren and Nick tackle some of the most controversial money opinions and unpack what they really mean for your wallet. 0:00 – Intro0:50 – Cutting “BS spending” and lifestyle choices3:59 – Tipping culture & splitting the check fairly9:46 – Retirement savings vs. college savings for kids12:10 – Tracking every expense: does it actually matter?13:50 – Renting vs. owning & the reality of homeownership16:46 – Credit card points, college costs, and new cars22:26 – Grocery delivery, subscriptions, and wedding spending–––––––Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coachingWant to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-questionReach us directly on Instagram @moneycoachlauren or @habitfinances

What if your money could practically run itself? In this week’s episode, Lauren and Nick break down the power of automating your finances—covering everything from bills and debt to savings and investing.0:00 – Intro1:05 – Should you automate your bills?4:55 – How automation helps you stay consistent (without ignoring your budget)9:50 – Automating debt payoff the smart way15:20 – What to do if your income isn’t steady18:40 – Balancing debt payoff with savings goals25:30 – Automating investing and retirement contributions33:40 – Evolving your automation as your finances grow–––––––Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coachingWant to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-questionReach us directly on Instagram @moneycoachlauren or @habitfinances

Money and relationships go hand in hand — but most couples wait too long to talk about it. In this episode, Lauren and Nick break down the money conversations you should be having while dating, the green flags to look for, and the red flags you don’t want to ignore.0:00 – Intro1:05 – Why money talks matter early in dating4:20 – The most common “awkward” money conversations couples avoid7:45 – Financial red flags you can’t ignore13:15 – Green flags that signal financial compatibility18:40 – When (and how) to start the money conversation24:05 – Aligning on long-term financial goals as a couple29:50 – Setting healthy money boundaries in relationships–––––––Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coachingWant to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-questionReach us directly on Instagram @moneycoachlauren or @habitfinances

Think everyone around you is financially ahead? You might just be seeing the highlight reel. In this week’s episode, Lauren and Nick unpack the hidden costs of comparison, how lifestyle creep quietly drains your bank account, and why so many budgets fail before they even get started. 0:00 – Intro0:25 – The comparison trap and how it affects your finances2:15 – Why appearances can be deceiving (and expensive)5:37 – Lifestyle creep: what it is and how to spot it9:50 – The illusion of “enough money”14:18 – Why most budgets don’t work20:46 – Small, sustainable changes that actually stick27:20 – Breaking bad spending habits for good–––––––Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coachingWant to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-questionReach us directly on Instagram @moneycoachlauren or @habitfinances

Saving money is important — but it’s not the whole story. In this week’s episode, Lauren and Nick break down the difference between saving and investing, why you can’t save your way to wealth, and how to start investing without feeling overwhelmed. From simple index fund strategies to understanding risk and compounding, this episode is your crash course in making your money work for you.0:00 – Intro0:32 – Why saving isn’t enough to build long-term wealth2:10 – The case for investing and why it’s not as scary as you think5:25 – Index funds explained (and why they’re beginner-friendly)9:42 – How diversification lowers risk13:30 – Compounding interest in plain language16:05 – How to choose between a 401(k), IRA, or brokerage account20:45 – Getting started: first steps toward investing–––––––Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coachingWant to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-questionReach us directly on Instagram @moneycoachlauren or @habitfinances

Does your budget bring you peace—or just make you feel guilty? In this week’s episode, Lauren and Nick unpack what happens when budgeting goes too far. From guilt-driven spending habits to feeling overwhelmed by every purchase, they explore how to budget a better way.0:00 – Intro1:18 – The Region Beta Paradox: Why small problems don’t spark change5:43 – Budgeting as punishment: When structure becomes obsession11:15 – How to reset your budget after reaching a goal15:45 – Simplifying your categories for more freedom20:34 – Stop looking at your bank balance to guide your spending26:40 – The “lazy” way to start budgeting (that still works)33:12 – Making room for fun while staying financially secure39:45 – Aligning your budget with what you actually value–––––––Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coachingWant to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-questionReach us directly on Instagram @moneycoachlauren or @habitfinances

Think you need a six-figure income to pay off debt? Think again. In this week’s episode, Lauren walks through how she paid off over $50,000 in debt — without a huge salary or financial shortcuts. From the strategies that kept her focused to the mindset shifts that made it possible, this episode is packed with practical tips for building a debt-free life (even on an average income).0:00 – Intro1:05 – Should you quit your job while in a relationship with someone in debt?3:40 – Why debt should be part of the conversation8:30 – Lauren’s debt-free journey: $52K on a $50K income13:10 – How budgeting and mindset kept her motivated for 3 years22:20 – Nick’s path to debt freedom as a self-employed freelancer33:00 – How your environment and influences impact your financial decisions44:00 – The freedom and opportunities that come with being debt free–––––––Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coachingWant to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-questionReach us directly on Instagram @moneycoachlauren or @habitfinances

Is your job the "safe" option? Think again. In this week's episode, Lauren and Nick are joined by Dr. Ray Gorman to unpack the mindset shifts that unlock income growth and financial freedom. From breaking old money beliefs to understanding the real cost of staying in your comfort zone, this episode is a must-watch for anyone thinking about entrepreneurship or simply wanting more from their career.0:00 - Intro1:12 - Ray’s journey from burnt-out PT to business owner5:45 - Trading time for money vs. delivering value9:50 - What gave Ray the confidence to go out on his own14:30 - A smarter way to transition into self-employment17:20 - What “safety” really means (and why it’s often a trap)21:00 - The money beliefs that hold people back26:00 - Learning to price your services and protect your peace30:40 - Can your job actually be costing you money?34:10 - The opportunity cost of staying where you are39:00 - Scaling income without creating another job42:30 - Why people don't take action—and how to shift that47:15 - Final thoughts on confidence, comfort, and risk–––––––Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coachingWant to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-questionReach us directly on Instagram @moneycoachlauren or @habitfinances

Ever wonder why your monthly expenses feel so high—even if you're making decent money? In this week’s episode, Lauren and Nick break down the real reason you might be overspending without realizing it.0:00 – Welcome back to the show2:05 – The $5,000/month Uber driver story7:24 – Tip 1: Track your spending12:28 – Tip 2: Audit and cancel subscriptions19:52 – Tip 3: Set limits on high-spend categories27:21 – Tip 4: Avoid new debt33:28 – Tip 5: Anchor your budget to a clear goal36:31 – How to stick to your plan (even when it sucks)40:14 – Why this all matters–––––––Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coachingWant to have your money questions answered on our show?Submit your questions below:https://justanothermoneypodcast.com/submit-a-questionReach us on Instagram:@moneycoachlauren | @habitfinances

Ever feel like you wrecked your finances? In this week's episode, Lauren and Nick are breaking down financial disasters (and how to fix them)!0:00 - Intro0:39 - Why do people do this?4:40 - Financially ruined at 3013:04 - Real estate investing wrecked his finances 20:33 - $23,000 down the drain29:50 - Finally waking up for the first time–––––––Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coachingWant to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-questionReach us directly on Instagram @moneycoachlauren or @habitfinances

How do you know when you're ready to buy a home? In this week's episode, Lauren and Nick are joined by Stacie Rihl, a first-time homebuyer expert who's helped over 16,000 people learn the buying process!–––––––How to get in contact with Stacie Rihl: https://stacierihl.com–––––––0:00 - Intro1:04 - Who is Stacie Rihl?5:16 - Biggest misconceptions homebuyers have11:20 - How much can I afford on a monthly basis?14:29 - How much do I need for a down payment?24:14 - How to find the right home28:50 - Why you need at least a 5 year horizon35:38 - Have first-time homebuyers changed?39:00 - Buying vs renting–––––––Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coachingWant to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-questionReach us directly on Instagram @moneycoachlauren or @habitfinances

What was the last money decision you made that you completely regret? In this week's episode, Lauren and Nick are getting into some of the internet's biggest financial regrets.0:00 - Intro3:42 - What's the biggest money mistake you've ever made9:27 - She's 55 with nothing saved!19:16 - She's tired of financially supporting in-laws26:01 - She thought she could ignore her loans...34:45 - He couldn't outgamble his losses–––––––Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coachingWant to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-questionReach us directly on Instagram @moneycoachlauren or @habitfinances

Are your finances wrecking your mental health? In this week's episode, Lauren and Nick are joined by Dr. Shereen Mohsen, a licensed clinical psychologist, who breaks down the mental health side of money management.–––––––How to get in contact with Dr. Shereen Mohsen: https://relucentpg.com–––––––0:00 - Intro1:11 - Who is Dr. Shereen Mohsen?5:16 - Cycle of Negative Reinforcement 16:50 - Childhood and Money25:37 - Money Management is Self Care36:09 - Money and Self Worth43:46 - Money and Relationships56:03 - When should couples talk about money?1:01:48 - Red Flag / Green Flag–––––––Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coachingWant to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-questionReach us directly on Instagram @moneycoachlauren or @habitfinances

Gambling addictions, free cars, and trying to hide from credit card debt… In this week's episode, Lauren and Nick are breaking down some of the internet's wildest money stories!0:00 - Intro3:50 - Draining your savings to pay off debt7:11 - Should I empty my retirement to buy a home?10:43 - Can I just not pay my debt?17:15 - I maxed out my credit cards gambling24:25 - My bank screwed me29:00 - They say I owe $10k to them31:49 - I haven't filed taxed in years39:02 - I have't paid my car loan in 6 years–––––––Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coachingWant to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-questionReach us directly on Instagram @moneycoachlauren or @habitfinances

Stuck with your debt payoff journey? In this week's episode, Lauren and Nick are breaking down 3 of their best tips for ACTUALLY getting out of debt!0:00 - Intro1:23 - Before you start paying off debt...2:20 - Stop accumulating debt8:16 - Pick a strategy and stick with it12:12 - Where people get stuck with debt17:15 - Is the debt snowball better?19:28 - Create a payoff timeline25:49 - You need to have a bigger vision–––––––Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coachingWant to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-questionReach us directly on Instagram @moneycoachlauren or @habitfinances

What's worse––having too many money accounts... Or not enough? In this week's episode, Lauren and Nick are breaking down the 4 types of money accounts you need to have to win with your finances!0:00 - Intro0:48 - Is insurance a scam?4:48 - Cash Accounts7:56 - Do credit cards count as a Cash Account?14:51 - Savings Accounts24:25 - Separating your different Savings Accounts26:48 - Retirement Accounts33:08 - Non-retirement Accounts37:51 - When do you need these different accounts?–––––––Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coachingWant to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-questionReach us directly on Instagram @moneycoachlauren or @habitfinances

How can you transform your finances in just 90 days? In this week's episode, Lauren and Nick are breaking down some of their best tips to change the way you handle money.0:00 - Intro2:45 - You need to have a clear goal6:31 - Understanding your cash flow14:46 - Creating a system for your money22:51 - Getting one month ahead with your money28:50 - Making a plan to get out of debt35:22 - Creating a savings plan38:19 - Making a plan for investing–––––––Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coachingWant to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-questionReach us directly on Instagram @moneycoachlauren or @habitfinances

You feel good with your money... so what's next? In this week's episode, Lauren and Nick are breaking down how you can go from good to great with your finances.0:00 - Intro0:42 - Lauren found $5k2:33 - Nick bought a house6:29 - How can you level up your finances?12:02 - Shifting from intensity to intentionality24:16 - Discipline vs strategy30:48 - What can you do with leftover money?41:26 - How can I really grow my retirement?–––––––Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coachingWant to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-questionReach us directly on Instagram @moneycoachlauren or @habitfinances

What do you do when your budget’s been completely blown, you're stuck in survival mode, and there’s nothing left to cut? In this week's episode, Lauren and Nick break down how quickly your finances can spiral when you're not living financially healthy (and what you can do about it).0:00 - Intro0:47 - When everything goes to sh!t4:12 - Does paycheck to paycheck always mean broke?12:38 - What to do when you're laid off19:18 - You don't think it will happen to you... until it does24:43 - How to escape the paycheck to paycheck life30:55 - Covering expenses you're unprepared for35:26 - When your financial responsibilities suddenly change43:16 - What to prioritize with your finances 48:59 - How to prepare your finances–––––––Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coachingWant to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-questionReach us directly on Instagram @moneycoachlauren or @habitfinances

How are people ending up in thousands of dollars of debt–––and what can you do when it finally feels like there’s no way out? In this week's episode, Lauren and Nick are talking all things DEBT–––from believing credit cards are fake to the crushing debt and anxiety debt causes. 0:00 - Intro 0:52 - Lauren's tax surprise4:40 - Are American's prepared for a large unexpected bill11:07 - Credit cards are fake20:20 - This debt is killing me! What can I do?27:45 - Is debt consolidation a good idea?35:49 - The anxiety, guild, and denial is the hardest part40:28 - Shame is what's stopping people from improving49:49 - Would you still date someone with debt?57:06 - How can someone turn their situation around?–––––––Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coachingWant to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-questionReach us directly on Instagram @moneycoachlauren or @habitfinances

Whether it was a risky financial decision or trusting someone and it completely backfired, we’ve all dealt with toxic money (and toxic people!)–––but the real question is, what can you do to avoid it in the future? In this week's episode, Lauren and Nick are talking about toxic money and toxic people! 00:00 - Intro1:07 - Never buy a home with someone you aren't married to13:46 - How do I explain to my wife that we're poor22:01 - I'm just not good at money26:33 - How do you set clear money boundaries?33:36 - When do you tell your partner about purchases?38:24 - How do you create money structure in a relationship42:04 - I feel guilty for refusing my brother money54:56 - Why don't people ask for money help?–––––––Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coachingWant to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-questionReach us directly on Instagram @moneycoachlauren or @habitfinances

Trillions of dollars have been wiped from the market, economists are warning of a recession, and President Trump’s tariffs have the world on edge–––but the real question is: why do people think this time is different and what should you actually do about it? In this week's episode, Lauren and Nick are breaking down why the market is going wild, what you should (and shouldn't) be doing with your money, and how to prepare.00:00 - Intro01:26 - Should I cash out my investments?07:19 - Why do people take drastic measures in times like this14:40 - Why is the stock market dropping right now? 17:41 - What are tariffs and why is everyone freaking out?23:29 - Is a recession actually coming?27:26 - Should you be worried about your retirement investments?32:15 - Should I stop investing until the market settles?35:35 - Should I wait to buy a home or move forward?39:29 - If I'm feeling anxious now, what should I be doing?45:33 - Why do people always panic in moments like this49:40 - What can we learn from past economic declines?–––––––Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coachingWant to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-questionReach us directly on Instagram @moneycoachlauren or @habitfinances

Does the economy suck... or do you? In this week's episode, Lauren and Nick are diving into bad financial decisions, overspending, and the right money habits to fix it all! 0:53 - There's no excuses at this point7:24 - How can we break the cycle and finally get ahead?11:57 - You have to take control of your finances15:45 - Is debt consolidation worth it?24:28 - How do I cope with intense regret from financial mistakes?35:20 - I literally cannot save in this economy!42:26 - You have to adjust your spending50:38 - How to level up your finances–––––––Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coachingWant to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-questionReach us directly on Instagram @moneycoachlauren or @habitfinances

Is being frugal actually helping you, or is it just making your life harder? And what can you do to make a real difference with your finances? In this week's episode, Lauren and Nick break down the right (and wrong) ways to be frugal!0:44 - Is being frugal worth it?9:56 - Should you spend more just because you can afford to15:11 - Where NOT to be frugal20:35 - Where can people cut back with their spending?29:19 - How do you balance lifestyle creep with improving quality of life?36:40 - Spending on your priorities41:24 - Where are people going wrong with being frugal?44:05 - Are boomers right about avocado toast?–––––––Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coachingWant to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-questionReach us directly on Instagram @moneycoachlauren or @habitfinances

Why is the world so expensive now and what should you be doing to manage your money better? In this week's episode, Lauren and Nick are breaking down the rising cost of existing in today's world and how you can start getting ahead!0:55 - The price of eggs are INSANE5:00 - Where have you seen dramatic rise in costs? 10:15 - Should I be Increasing my budget with inflation?15:13 - Inflation vs lifestyle creep21:52 - How does anyone afford a home these days?29:51 - Is homeownership still possible for younger generations?38:23 - Is now still a good time to invest?46:56 - The lazy investor's method51:20 - What should you be doing to get ahead?–––––––Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coachingWant to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-questionReach us directly on Instagram @moneycoachlauren or @habitfinances

You've just paid off all your debt...so what's next? In this week's episode, Lauren and Nick are breaking down how you can start building wealth after you've gotten out of debt. 0:52 - How much do you have in your savings account?6:08 - I'm 30 and starting from $0, what should I do next?12:50 - I'm debt free, what's next?19:47 - I'm trying to get my money organized, what accounts do I need?27:32 - Why is it important to know your net worth?36:30 - What different accounts should I have for investing & retirement?43:44 - How do I get $100k invested? 50:29 - What would you tell yourself 10 years ago?–––––––Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coachingWant to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-questionReach us directly on Instagram @moneycoachlauren or @habitfinances

How do you escape living paycheck to paycheck? In this week's episode, Lauren and Nick are breaking some of their best tips for sticking to a budget!1:22 - How much do you keep in your checking account?5:13 - How can I escape living paycheck to paycheck?10:44 - I can't follow a budget to save my life!19:58 - How do you get your family on a budget they'll stick to?!27:05 - How do we budget as a couple?34:40 - How do I budget with a fluctuating income?40:57 - How do I get better at budgeting?49:38 - At what point can you stop budgeting?–––––––Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coachingWant to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-questionReach us directly on Instagram @moneycoachlauren or @habitfinances

Should I finance it or pay cash? In this week's episode, Lauren and Nick are breaking the SMART way to make some of life's largest purchases. From financing new vehicles to funding college education, we break down mistakes to avoid when making big financial decision. 1:38 - Feeling overwhelmed by my debt and don't know where to start7:20 - Should I finance a car or buy it in cash?6:17 - How did you save for your wedding?29:03 - Should I really not worry about student loan debt?37:14 - What is the best way to save for a house?43:30 - Should I take out more debt to fund a side hustle?49:05 - Should I finance a new iPhone or just pay cash?–––––––Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coachingWant to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-questionReach us directly on Instagram @moneycoachlauren or @habitfinances

Are you financially ready to buy a home? In this week's episode, Lauren and Nick are breaking all things homeownership - from how to know you're ready to buy to homeowner nightmares!1:13 - Is owning ALWAYS better than renting?5:40 - When do you know you're financially ready to buy a home?12:06 - My new home is a NIGHTMARE, please help!19:41 - How much house can we really afford?29:19 - Can someone explain buying a house and mortgages to me like I'm 5?36:50 - Should I buy an investment property as my first home purchase?42:34 - Are home flippers ruining the market?–––––––Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coachingWant to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-questionReach us directly on Instagram @moneycoachlauren or @habitfinances

Is your money working hard enough? In this week's episode, Lauren and Nick are breaking all things savings––savings buckets, emergency funds, and even retirement. Are you actually saving smarter or just making things harder for yourself? 1:38 - What savings buckets should we have and what % to put in each?7:53 - How big is your emergency fund?14:26 - How much should I be saving for retirement?23:28 - What do you do with your money after all your savings goals are me?30:14- How do you balance saving for the future with enjoying life today?37:23 - Am I losing too much money in my sinking funds?!43:25 - Lauren and Nick's savings goals for 2025–––––––Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coachingWant to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-questionReach us directly on Instagram @moneycoachlauren or @habitfinances

Is the credit card game really worth it? In this week's episode, Lauren and Nick are breaking down the RIGHT way to use credit cards––from when to pay them off to building credit the smart way. 1:05 - How Much Credit Card Debt do US Consumers Have? 3:14 - "Why do people think you need to carry a balance to build credit?" 6:48 - "Can anyone tell me the proper way of using a credit card?" 15:10 - "How do I go about picking the right credit card?" 22:39 - "What are the best ways to build your credit?" 31:03 - "What order should I pay off my credit card debt?" 36:45 - "How do I stop using credit cards and when could I reintroduce them?" ––––––– Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coaching Want to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-question Reach us directly on Instagram @moneycoachlauren or @habitfinances

Is Girl Math real... or just an excuse? In this week's episode, Lauren and Nick break down some of the wildest personal finance takes we could find on the internet––from girl math to crazy side hustles, this episode gets spicy! 1:21 - "Where do I go from here?" 6:56 - Breaking Down Girl Math 12:17 - The Potato Famine 13:50 - Extreme Frugality on Reddit 25:49 - The Dark Side of Gambling Addictions 36:06 - Is Uber Worth It Anymore? 39:20 - Sp*rm Donor Side Hustle 41:53 - Bad Money Advice 44:11 - She Took Out A Loan... For Groceries ––––––– Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coaching Want to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-question Reach us directly on Instagram @moneycoachlauren or @habitfinances

Are you FINANCIALLY ready to invest? In this week's episode, Lauren and Nick are breaking down all things investing–when you're ready and how to start! 0:58 - Lauren and Nick share some exciting updates! 2:56 - "Am I financially ready to invest?" 9:29 - "What's the best advice you have for someone starting to invest?" 20:06 - "Where should I start my retirement investing?" 26:49 - "Where do I start investing?" 33:34 - "How do I invest with a fluctuating income?" 39:08 - "Should I pay extra on my mortgage or prioritize investing?" ––––––– Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coaching Want to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-question Reach us directly on Instagram @moneycoachlauren or @habitfinances

If you hid $100k of debt from your partner, how would you tell them? In this week's episode, Lauren and Nick are diving into all things debt payoff! From secret debt to piling up tens of thoudands on credit cards, this episode gets spicy! 1:24 - "Looking for outside advice on buying a home" 9:23 - "I'm in a scary amount of debt!" 17:06 - "Is it better to save or pay off debt?" 24:14 - "I hid $100k of debt from my wife––how do I tell her?" 34:25 - "What sacrifices did you make to get out of debt?" 43:33 - "Thinking of marrying into debt, is this a mistake?" 50:42 - "What is the best advice to avoid debt in the first place?" ––––––– Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coaching Want to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-question Reach us directly on Instagram @moneycoachlauren or @habitfinances

What would you do if your brother stole $10,000 from your parents? In this week's episode, Lauren and Nick dive into toxic money situations from abusive husbands to shady friends! 1:22 - "How do I prepare to lose more than half my income?" 4:43 - "AITA for asking my boyfriend to pay me back?" 11:35 - "My husband has been hiding money from me!" 19:25 - "AITA for being upset about my brother stealing $10k from my family?" 26:34 - "Did anyone else's parents take money from them?" 34:37 - "Lent my friend $7k and now he's not paying me back. What should I do?" 40:07 - "Is this financial abuse?" 49:28 - Red flag, green flag ––––––– Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coaching Want to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-question Reach us directly on Instagram @moneycoachlauren or @habitfinances

How would you build wealth if you were starting from $0? In this week's episode, Lauren and Nick are breaking down how to use the Financial Roadmap to jumpstart your finances. 1:15 - 8 Step Financial Roadmap 1:56 - "How am I supposed to pay for my children's college?" 10:47 - "Where do I start with my finances?" 17:23 - "I'm starting from $0 at age 50, where do I begin?" 27:44 - "I want to buy my first house, but is it even possible with credit card debt?" 33:46 - "Marrying into debt, how do I get out of it ASAP?" 42:58 - "I seriously need to get my finances in order!" 52:57 - Lauren and Nick's New Years Resolutions ––––––– Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coaching Want to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-question Reach us directly on Instagram @moneycoachlauren or @habitfinances

Do you have a PLAN for your finances? In this week's episode, Lauren and Nick are breaking down the Financial Roadmap––their 8-step plan for taking control of your money and building wealth.  1:11 - 8 Step Financial Roadmap 3:01 - "Help! I'm starting from zero" 4:31 - Step 1: Get Clear On Your Finances 6:08 - Step 2: Build Up Starter EF 8:23 - Step 3: Invest Up To Employer Match 13:16 - Step 4: Pay Off High-Interest Debt Early 15:23 - Step 5: Build Up Fully Funded EF 17:19 - Step 6: Invest For Retirement  22: 25 - Step 7: Pay Off Low-Interest Debt 25:05 - Step 8: Incorporate Financial Goals ––––––– Sign up for 1:1 Financial Coaching here:https://justanothermoneypodcast.com/coaching Want to have your money questions answered on our show? Submit your questions below: https://justanothermoneypodcast.com/submit-a-question Reach us directly on Instagram @moneycoachlauren or @habitfinances