Episodes
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Episode 146 - Ready or not: here comes student loan payments!
And now the pause has ended…… 3 years ago student loan payments were put on pause due to COVID but now they are coming back. We discuss that and other programs still in the works on this weeks episode.
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Episode 145 - The Difference Between Credit Unions and Banks
Today we discuss the differences between credit unions and banks. The pros and cons of each one and why you might decide to go with one over the other.
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Episode 144 - Mortgage Fees are Going Up?
There have been stories in the news recently that mortgage fees are going up for people with high credit and decreasing for people with low credit. Today we dive in to report on what is actually happening, what the click-bait news titles get wrong, and how this might impact you.
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Episode 143 - Budgeting 50/30/20 Advice
On this weeks episode we talk about setting up a budget or checking in on your budget using tracking tools and the high level 50/30/20 advice to get you started in the right direction.
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Episode 142 - How to get the most out of your 401k Retirement Savings
This week we talk about using a 401k/403b to save for retirement. We discuss contribution limits for the plans, what percentage you should be saving as well as where you should be at with your current savings. Tune in for all things retirement!
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Episode 141- Lifestyle Inflation vs Inflation Rate
With inflation rates going up it can be hard to feel like your dollar is going as far even if you are trying to save. Today we discuss how we feel the pinch but also how we've pulled some levers to make sure we can still save the money we want to while battling rising costs.
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Episode 140 - We're Back!
We are back after a hiatus that lasted over a year and well a lot has changed!! We run through some of the changes and set the stage for ALL the things we want to talk about in the future. We’re so happy to be back, we hope you’re ready to journey with us again <3
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Episode 139 - 2021 Annual Spending
On this weeks episode we discuss what our actual spending was in 2021, if we were happy with it and what area’s we expect to cut back on in 2022.
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Episode 138 - Investing for the Medium Term
This week we chat about the importance of medium-term money and how investing can help you generate wealth for the long run!
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Episode 137 - Who Told You to Buy That?
From impulse purchases to collecting pokemon cards who told you to buy that? We all end up with items and often there's a lot of marketing behind the scenes to get us to buy specific products. As we try to be aware of these items, we can combat the urge to impulse spend and save thousands of...
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Episode 136 - You're the Stinky One
We’re back with our favorite, legendary episode series “Stinky” but with a twist this time! You are the stinky one! Tune in to find out what we’ve learned about air quality importance, and how you can save money but using less of your everyday cleaning products..
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Episode 135 - What is up with the Labor Shortage?
We’re facing a labor shortage and it seems like no matter how much companies are paying they still can’t find workers. We chat about some of the reasons people have left the workforce and speculate on if we think they are going to come back!
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Episode 134 - 2022 Retirement Account Limits
We look ahead to 2022 and discuss retirement account limit changes as well as a potential change to the Backdoor Roth IRA.
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Episode 133 - Holiday Gift Buying
Holiday gift buying can be overwhelming and expensive but if you take a step back and remember to enjoy the season you may find yourself spending less money and making more memories. Listen in for some of our tips to have a unique, fun-filled holiday season!
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Episode 132 - Our Baby's First Year of Expenses
Everyone knows that babies are super expensive right? Not necessarily, while there are some things you can't avoid spending money on there's a lot of ways to save money and especially in the first year keep expenses low. Tune in to find which products we splurged on, which ones we saved on and...
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Episode 131 - We Bought a Tesla!!
We talk about our new car purchase, how we decided we needed a new car even though our old car was in great shape, how we analyzed our options and if we regret anything! http://ts.la/angela74680
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Episode 130 - 10 Habits to Build Wealth and Live a Happy Life!
We discuss 10 more ways to build wealth while also living a happy and fulfilling life, because that IS what it's all about!
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Episode 129 - 20 Habits that Prevent You From Being a Millionaire
https://www.entrepreneur.com/article/369587
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Episode 128 - Negotiating a Mortgage
In this weeks episode we give you tips on how to shop around on your next mortgage or refinance and how you can negotiate different items to get the best deal!
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Episode 127 - 529s Credits and Deductions by State
In this weeks episode we discuss 529 plans and go through each state to let you know if they offer a credit or a deduction. To spice it up we also list a fun fact for each state, which is totally accurate by the way.
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Episode 126 - High Deductible Plans!
This week we chat about why high deductible plan deserve another look and health savings accounts can be a good tool in your portfolio!
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Episode 125 - How would Biden's proposed 401k Tax Credit affect you?
This week we dive into how Biden's proposed 401k tax credit would affect your finances
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Episode 124 - One Car Family Update - 4 Years Later!
We sold our second car four years ago and after all this time we chat about if it was a good decision and if we have plans to buy a second car again.
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Episode 123 - How to Invest in 2021
We chat about how to invest, the vehicles you should invest in, and why you should prioritize retirement accounts in this weeks episode!
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Episode 122 - Current Mortgage Environment: low rates and missed payments
With historic low interest rates we're seeing a lack of affordable housing as home prices are being driven up which is contributing to more people missing rental or mortgage payments. We discuss the current housing climate and what may happen in the future!
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Episode 121 - Less is More: Intentional Purchases
We don’t often get on to talk about SPENDING money but as we’ve continued on our path of frugalism we realized now that we are more intentional with our purchases it’s not always the right answer to just buy the cheapest thing but rather the right product. Today we chat about how we try to be...
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Episode 120 - Pandemics, Layoffs and Babies OH MY!
We’re back! After a crazy last few months we update you on our life over the past few months and how by saving the last few years we were able to weather the financial storm.
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Episode 119 - Investing During a Market Downturn
On this weeks episode we discuss how we invest during a market downturn and how we handle volatility with our investing strategy.
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Episode 118 - Finances as a Married Couple
This week join us as we chat about how we structure finances as a married couple and how we communicate around big and small purchases.
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Episode 117 - Downsizing our Stuff:
A couple years ago we moved from a single family home back to a small apartment and in that process we intentionally got rid of many material possessions that we no longer had the space for. As we've transitioned to a more minimalist lifestyle we've continued to donate various items that no…
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Episode 116 - Budgeting on a Reduced Income
What should you do if your income is reduced? On this episode we talk though how to budget on a reduced income by focusing on essential expenses and potential items to reduce during crunch time. We also discuss how to leverage your emergency fund to buy some time and ultimately develop a new,...
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Episode 115 - FICO Credit Score Update
From time to time the calculation behind the FICO credit score changes. As FICO 10 is being rolled out this year and credit bureaus look towards moving over to this new system we update you on what those changes will mean for you. Join us this week as we discuss these changes and how you can...
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Episode 114 - Coronavirus US Financial Relief Update
As a follow-up to our episode last week we chat about the coronavirus financial relief package that the US passed recently. Now the details have emerged so we are able to dive a bit deeper and provide some more clarity on the issues.
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Episode 113 - Coronavirus US Financial Relief
Join us this week as we give real time updates involving tax payments, student loans and mortgage relief in the US due to the coronavirus outbreak. This podcast was recorded on March 21, 2020 and we will aim to provide updates as we learn more.
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Episode 112 - What is a Passive House?
Imagine a house with super low energy bills that is also warm in each and every room in the winter, a house that is cool in the summer, and most importantly a house with no bugs. What if we challenged our current building standards and made better homes? Tune in this week to hear our opinion of…
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Episode 111 - March Market Madness
We chat about the current market swings and what you should do. This episode was recorded on March 12 which saw the largest market single day decrease since 1987. In this episode we discuss what our plans are with the market and how we stick to the plan even in tough times.
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Episode 110 - How We are Buying Baby Items
As expecting parents there is a lot to learn and research as you anticipate your new baby. We chat about some of the big purchases like cribs, car seats, etc and chat through how we figured out what was right for us. While getting a nursery ready can seem overwhelming, by taking a step back and...
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Episode 109 - How to Fight Identity Theft
About 20% of Americans will experience identity theft in the next year. Until it happens to you it’s easy to think that it will never happen. On today’s episode we chat about what happens when your identity gets stolen as well as some tips that everybody should be doing to prevent it!
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Episode 108 - What is an Investment Policy Statement?
An Investment Policy Statement sounds scary & fancy but really it’s something that everyone should have. Whether it’s simply a few lines jotted down on a piece of paper, or a more well-thought out plan - it helps make sure you are comfortable and confident with your investment plan no matter what...
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Episode 107 - Hobbies Don't Have to be Expensive
On this weeks episode we chat about various hobbies we have and how we keep the costs down. The key is to just get started with what you have and then slowly add nicer items to your collection as your hobby develops over time.
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Episode 106 - Finding the Joy in NOT Buying Things
Frugality is a muscle but luckily it’s a muscle that fills your life with meaning and purpose. By choosing to focus on things that make you happy and only adding items to your life that bring meaning you reduce the amount of money you spend while increasing your overall happiness. It takes a…
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Episode 105 - Fear of Taking the First Step
A couple good books I would recommend for those interested in reading more about personal finance: The Millionaire Next Door by Thomas J. Stanley Rich Dad Poor Dad by Robert Kiyosaki and Sharon Lechter The Simple Path to Wealth by by JL Collins
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Episode 104 - Decoding Mutual Fund Information
Most of us that have 401k’s or IRA’s or even a taxable account will have something called a mutual fund. This is essentially just a collection of stock, which takes the guess work out of picking choosing stocks and sets us up on a path to success. However, if you ever take a step back and click…
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Episode 103 - Sinking Fund Strategy
What do you do when you have a large expense in a month? For most people this might have to go on a credit card - but today we chat about sinking funds and how setting them up can help absorb large expenses. While emergency funds help to cover unplanned expenses, sinking funds are a great idea…
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Episode 102 - Emotions of Spending Money
We chat through the various emotions of budgeting and prioritizing savings goals. So much of how we manage our finances becomes emotional but if we step back and think about things logically it's typically easier to find a solution.
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Episode 101 - Moving to a Big City
We took a break from the podcast recently since we were moving. On today's episode we chat through our thought process of moving and the choices we made such as hiring movers, buying instead of renting, how we unpack our house and more!
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Episode 100 - Debunking 10 Financial Myths
There's a lot of financial advice out on the internet that is both good and bad. Today we discuss some of the common financial myths we hear and why they aren't super reliable to believe. Tune in to hear our opinions on credit cards, buying a house, and more....
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Episode 99 - Buying Your First Rental Unit
Okay guys get ready for one of our longest episodes ever. We’ve been landlords for a few years now and we’ve learned a lot along that way that we wanted to share with you in this episode. From how we got started in real estate to tips on marketing your property or figuring out if your property…
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Episode 98 - Retirement in US vs EU vs Australia
On this weeks episode we finally pull in some information for our international listeners and chat about the different tax rates in different countries as well as how retirement programs work. We compare pension programs to hybrid programs to 401k style savings plans in this episode and talk…
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Episode 97 - Learn to Entertain Yourself
When I was a kid if I complained about being bored my parents always told me to “use my imagination”. As adults it seems like we have lost our ability to use our imagination. I recently saw an article talking about how the average American spends $2,500 a year on entertainment and several people…
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