Looking for a less stressful way to handle your business' finances? Learn what mistakes to avoid and the tools that will help you master money even if you're a busy entrepreneur! Small Business Finances    Around 27 million working-age Americans began or are running a business you may be one of them. I remember when I started freelancing it was a supplemental income. Eventually, though, it transitioned into my main work. I knew I needed to step it up and run it like a business. So I took care of the paperwork and started educating myself. There are days those deadlines get tight and I'm stressed but I enjoy doing the work I'm doing and spending more time with my family. Win-win in my book. Whether you're freelancing, doing a side hustle, or launching a business, it will take work. Not only do you have to work on the front end- so to speak  – producing the product or service you're selling, but you also have to be smart about the back end stuff. One key component? Finances. Quite simply getting the money squared away makes sure you're actually running a business and not an expensive hobby. I shared a little bit of my story in past episodes, which I hope gives a glimpse of what to expect. However, it's limited to my own business which may be different from yours. I know someone who has the breadth and depth of skills and can show you the ropes. Today small business coach and author Sylvia Moe Inks is on the show to share her knowledge. We're going to discuss:  the biggest mistakes small business owners make (&amp; how to avoid them) creating a system to make taxes much easier a tool to cut down on the back and forth of emails  Hope you enjoy! Resources for Business Finances If you two are ready to start or grow your business, here are some resources to check out to make sure your money is best used wisely.  Connect with Sylvia: SMI Financial Coaching | LinkedIn Small Business Finance for the Busy Entrepreneur: Blueprint for Building a Solid, Profitable Business

Looking for a less stressful way to handle your business' finances? Learn what mistakes to avoid and the tools that will help you master money even if you're a busy entrepreneur! Small Business Finances Around 27 million working-age Americans began or are running a business you may be one of them. I remember when I started freelancing it was a supplemental income. Eventually, though, it transitioned into my main work. I knew I needed to step it up and run it like a business. So I took care of the paperwork and started educating myself. There are days those deadlines get tight and I'm stressed but I enjoy doing the work I'm doing and spending more time with my family. Win-win in <a href="https://couplemoney.com/book" rel="nofollow" target="_blank">my book</a>. Whether you're freelancing, doing a side hustle, or launching a business, it will take work. Not only do you have to work on the front end- so to speak  – producing the product or service you're selling, but you also have to be smart about the back end stuff. One key component? Finances. Quite simply getting the money squared away makes sure you're actually running a business and not an expensive hobby. I shared a little bit of my story in past episodes, which I hope gives a glimpse of what to expect. However, it's limited to my own business which may be different from yours. I know someone who has the breadth and depth of skills and can show you the ropes. Today small business coach and author Sylvia Moe Inks is on the show to share her knowledge. We're going to discuss: <ul> <li>the biggest mistakes small business owners make (&amp; how to avoid them)</li> <li>creating a system to make taxes much easier</li> <li>a tool to cut down on the back and forth of emails</li> </ul> Hope you enjoy! Resources for Business Finances If you two are ready to start or grow your business, here are some resources to check out to make sure your money is best used wisely. <ul> <li>Connect with Sylvia: <a href="http://smifinancialcoaching.com/" rel="nofollow" target="_blank">SMI Financial Coaching</a> | <a href="https://www.linkedin.com/in/sylviainks" rel="nofollow" target="_blank">LinkedIn</a></li> <li><a href="http://couplemoney.com/smallBizbook" rel="nofollow" target="_blank">Small Business Finance for the Busy Entrepreneur: Blueprint for Building a Solid, Profitable Business</a></li></ul>

How to Master Your Small Business Finances (Even If You're Busy!)

Are you two stressed over money? Do your talks more often than not end up in fights? Learn how money dates can be effective and fun way you get on the same page and talk about money! The Money Talk vs Money Dates    One of the most popular questions I get is, when should we talk about money? Having THE money talk is not only intimidating but unproductive. Find out a better, less stressful option in today's episode. In this episode, we'll get into:  why talking about money matters how you two can make money talks less stressful how money dates can help you build up your marriage and money  Let's get started! Resources to Make Managing Money Together Easier Want to stay on top of your money without stressing over the small stuff? Here are some key resources and tools to check out!  Best Budget and Money Apps: Personal Capital, Tiller, Mint, Honeyfi, and Zeta Jumpstart Your Marriage and Your Money  How to Talk About Money Without Starting a Fight  We’re going to discuss the ins and outs building your credit in our private Facebook group over at Thriving Families. It’s free and fun – please join us! Music Credit Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere and Logan from Music for Makers in this episode.

Are you two stressed over money? Do your talks more often than not end up in fights? Learn how money dates can be effective and fun way you get on the same page and talk about money! The Money Talk vs Money Dates One of the most popular questions I get is, when should we talk about money? Having THE money talk is not only intimidating but unproductive. Find out a better, less stressful option in today's episode. In this episode, we'll get into: <ul> <li>why talking about money matters</li> <li>how you two can make money talks less stressful</li> <li>how money dates can help you build up your marriage and money</li> </ul> Let's get started! Resources to Make Managing Money Together Easier Want to stay on top of your money without stressing over the small stuff? Here are some key resources and tools to check out! <ul> <li>Best Budget and Money Apps: <a href="http://couplemoney.com/PersonalCapital" rel="nofollow" target="_blank">Personal Capital</a>, <a href="http://couplemoney.com/tiller" rel="nofollow" target="_blank">Tiller</a>, <a href="http://couplemoney.com/mint" rel="nofollow" target="_blank">Mint</a>, <a href="http://couplemoney.com/honeyfi" rel="nofollow" target="_blank">Honeyfi</a>, and <a href="https://www.askzeta.com/a/couplemoney" rel="nofollow" target="_blank">Zeta</a></li> <li><a href="http://couplemoney.com/book" rel="nofollow" target="_blank">Jumpstart Your Marriage and Your Money</a></li> <li><a href="http://couplemoney.com/family-and-finances/how-to-bring-up-the-money-talk/" rel="nofollow" target="_blank"> How to Talk About Money Without Starting a Fight</a></li> </ul> We’re going to discuss the ins and outs building your credit in our private Facebook group over at <a href="http://couplemoneypodcast.com/thrivingFamilies" rel="nofollow" target="_blank">Thriving Families</a>. It’s free and fun – <a href="http://couplemoneypodcast.com/thrivingFamilies" rel="nofollow" target="_blank">please join us</a>! Music Credit Like the music in this episode? Our theme song is by <a href="https://www.youtube.com/user/gentleregime" rel="nofollow" target="_blank">Gentle Regime</a>. Additional music by <a href="http://freemusicarchive.org/music/Lee_Rosevere/Music_For_Podcasts/" rel="nofollow" target="_blank">Lee Rosevere</a> and Logan from <a href="https://musicformakers.com/" rel="nofollow" target="_blank">Music for Makers</a> in this episode.

Merging Finances? Skip the Money Talk, Go on a Date Instead!

Ready to take a last minute getaway or weekend trip? Use these travel apps and get the best deals! Going away for the weekend doesn't mean you break your budget. With a little planning and the right resources, you two can score some nice trips and still save money. So if you're looking at getting away from it all for a few days, save this post. Travel Sites to Bookmark for Your Weekend Getaways There are more sites than ever for travelers. Besides snagging last minute deals on popular tourist spots, you can also discover some awesome destinations.  Airbnb: If you want to live like a local, Airbnb can help you find a bed or whole house for your next trip. We used the site when we went away for an anniversary trip and had a beautiful riverfront apt in Wilmington, NC for a fraction of the price of a hotel. Priceline: I'm a huge fan of their Name Your Own Price feature, which has helped us score plane tickets, hotel rooms, and car rental half off the advertised prices. Better Bidding: Speaking of bids, there are forums and sites online that can help you figure out what it will take to your bid accepted.  ou might also want to keep an eye for flash deals with airlines like Southwest where you can score huge discounts on flights for select cities. Apps to Help Score Great Deals and Keep Organized With smartphones everywhere, apps have been developed to help travelers. Download these apps to help you get the best deals and explore your destination.  Localeur: (iOS only) Locals share some of their favorite spots in 14 major U.S. cities. TripIt: With two kids in tow, I love have one app to handle and organize all of the travel arrangements.  Hopper: If you like to double check the deals on flights, Hopper is great. The app analyzes tons of flight prices and can suggest when it's a good time to purchase ticket.  Even though you might not think of it as a travel app per se, GasBuddy can tremendously helpful if you're taking a road trip. Thoughts on Weekend Getaways I'd love to hear your ideas and stories. What has been your favorite getaway destination? What has been your most recent travel deal you've taken? What travel apps are your favorite for planning?  

Ready to take a last minute getaway or weekend trip? Use these travel apps and get the best deals! Going away for the weekend doesn't mean you break your budget. With a little planning and the right resources, you two can score some nice trips and still save money. So if you're looking at getting away from it all for a few days, save this post. Travel Sites to Bookmark for Your Weekend Getaways There are more sites than ever for travelers. Besides snagging last minute deals on popular tourist spots, you can also discover some awesome destinations. <ul> <li><a href="https://www.airbnb.com/" rel="nofollow" target="_blank">Airbnb</a>: If you want to live like a local, <a href="https://couplemoney.com/airBnb" rel="nofollow" target="_blank">Airbnb</a> can help you find a bed or whole house for your next trip. We used the site when we went away for an anniversary trip and had a beautiful riverfront apt in Wilmington, NC for a fraction of the price of a hotel.</li> <li><a href="http://www.priceline.com/" rel="nofollow" target="_blank">Priceline</a>: I'm a huge fan of their <a href="http://couplemoney.com/travel/priceline-bid-vacation-plans/" rel="nofollow" target="_blank">Name Your Own Price</a> feature, which has helped us score plane tickets, hotel rooms, and car rental half off the advertised prices.</li> <li><a href="http://www.betterbidding.com/" rel="nofollow" target="_blank">Better Bidding</a>: Speaking of bids, there are forums and sites online that can help you figure out what it will take to your bid accepted.</li> <li> ou might also want to keep an eye for flash deals with airlines like Southwest where you can score huge discounts on flights for select cities. Apps to Help Score Great Deals and Keep Organized With smartphones everywhere, apps have been developed to help travelers. Download these apps to help you get the best deals and explore your destination. <ul> <li><a href="http://www.localeur.com/" rel="nofollow" target="_blank">Localeur</a>: (iOS only) Locals share some of their favorite spots in 14 major U.S. cities.</li> <li><a href="https://www.tripit.com/" rel="nofollow" target="_blank">TripIt</a>: With two kids in tow, I love have one app to handle and organize all of the travel arrangements.</li> <li><a href="https://itunes.apple.com/us/app/hopper-airfare-predictions/id904052407?mt=8" rel="nofollow" target="_blank"> Hopper</a>: If you like to double check the deals on flights, Hopper is great. The app analyzes tons of flight prices and can suggest when it's a good time to purchase ticket.</li> </ul> Even though you might not think of it as a travel app per se, <a href="http://www.gasbuddy.com/" rel="nofollow" target="_blank">GasBuddy</a> can tremendously helpful if you're taking a road trip. Thoughts on Weekend Getaways I'd love to hear your ideas and stories. What has been your favorite getaway destination? What has been your most recent travel deal you've taken? What travel apps are your favorite for planning? </li> </ul>

Best Travel Apps to Snatch Last Minute Deals

Merging families and finances can be especially tricky with blended families, but you two can succeed and thrive. Get tips on how you can make this big transition go a lot smoother!  Blended Families and Finances Anytime you're merging lives, there are so many things to talk about and discuss. When you're blending your families that's another layer of complexity. If you have kids, you two are figuring out what the house rules apply now with things like curfew, chores, that you're under one roof. But you also have your exes. They may have rules which are completely opposite of yours. As you're juggling things as a family, it can be tricky navigating things. And finances can be just as messy. Thankfully, Melissa Brown, creator of Blended Family Podcast, is on the show today. She going to discuss her own family's transition and how they manage things plus offer practical tips to make the transition smoother. Hope you enjoy! Special thanks to Melissa for coming on and share her thoughts and story! Please reach out her on Twitter or join her Facebook group to hear from others in the blended family community. If you’re looking tips, stories, and advice to make merging finances easier, here are a few to check out! Resources on Merging Finances Special thanks to Melissa for coming on and share her thoughts and story! Please reach out her on Twitter or join her Facebook group to hear from others in the blended family community. If you’re looking tips, stories, and advice to make merging finances easier, here are a few to check out!  Best Budget and Money Apps: Personal Capital, Tiller, Mint Grow Your Stash Faster: High Yield Savings with CiT Bank Jumpstart Your Marriage and Your Money Free 401(k) Analysis: blooom  How to Win Your Spouse Over When They Hate the Budget  Getting Your Spouse to Save More How to Encourage Your Spouse to Start (and Keep) a Budget  If you’re looking for a community to swap ideas and encouragement, please join Thriving Families on Facebook! 

Merging families and finances can be especially tricky with blended families, but you two can succeed and thrive. Get tips on how you can make this big transition go a lot smoother!  Blended Families and Finances Anytime you're merging lives, there are so many things to talk about and discuss. When you're blending your families that's another layer of complexity. If you have kids, you two are figuring out what the house rules apply now with things like curfew, chores, that you're under one roof. But you also have your exes. They may have rules which are completely opposite of yours. As you're juggling things as a family, it can be tricky navigating things. And finances can be just as messy. Thankfully, Melissa Brown, creator of <a href="http://www.blendedfamilypodcast.com/" rel="nofollow" target="_blank">Blended Family Podcast</a>, is on the show today. She going to discuss her own family's transition and how they manage things plus offer practical tips to make the transition smoother. Hope you enjoy! Special thanks to Melissa for coming on and share her thoughts and story! Please reach out her on <a href="https://twitter.com/1blendedfamily" rel="nofollow" target="_blank">Twitter</a> or <a href="https://www.facebook.com/groups/blendedfamilyconnection" rel="nofollow" target="_blank">join her Facebook group</a> to hear from others in the blended family community. If you’re looking tips, stories, and advice to make merging finances easier, here are a few to check out! Resources on Merging Finances Special thanks to Melissa for coming on and share her thoughts and story! Please reach out her on <a href="https://twitter.com/1blendedfamily" rel="nofollow" target="_blank">Twitter</a> or <a href="https://www.facebook.com/groups/blendedfamilyconnection" rel="nofollow" target="_blank">join her Facebook group</a> to hear from others in the blended family community. If you’re looking tips, stories, and advice to make merging finances easier, here are a few to check out! <ul> <li>Best Budget and Money Apps: <a href="http://couplemoney.com/PersonalCapital" rel="nofollow" target="_blank">Personal Capital</a>, <a href="http://couplemoney.com/tiller" rel="nofollow" target="_blank">Tiller</a>, <a href="http://couplemoney.com/mint" rel="nofollow" target="_blank">Mint</a></li> <li>Grow Your Stash Faster: <a href="http://couplemoney.com/CITsavings" rel="nofollow" target="_blank">High Yield Savings with CiT Bank</a></li> <li><a href="http://couplemoney.com/book" rel="nofollow" target="_blank">Jumpstart Your Marriage and Your Money</a></li> <li>Free 401(k) Analysis:<a href="http://couplemoney.com/blooom" rel="nofollow" target="_blank"> blooom</a></li> <li><a href="https://couplemoney.com/marriage-and-money-tips/fix-spouse-hates-budget/" rel="nofollow" target="_blank"> How to Win Your Spouse Over When They Hate the Budget</a></li> <li><a href="https://couplemoney.com/psychology/how-to-encourage-your-spouse-to-save/" rel="nofollow" target="_blank"> Getting Your Spouse to Save More</a></li> <li><a href="https://couplemoney.com/psychology/spouse-budget-together/" rel="nofollow" target="_blank">How to Encourage Your Spouse to Start (and Keep) a Budget</a></li> </ul> If you’re looking for a community to swap ideas and encouragement, please join<a href="http://couplemoney.com/thrivingFamilies" rel="nofollow" target="_blank"> Thriving Families</a> on Facebook!

Blended Family Finances: How to Thrive Together!

Tired of your debt restricting your options? Learn how Claudia &amp; Garrett from Two Cup House dumped $200k in two years by simplifying their lives and moving into a tiny house! Achieving Financial Freedom By Dumping Debt    Whenever I hear neighbors, friends, and family talk about their debt, there are a couple of reactions. Some are frustrated being trapped with certain things because of debt. Maybe they'd love to switch jobs to start a new career, but can't because they got bills to pay. Others kind of throw up their hands, accept debt as a part of life. “You'll always have a mortgage.” And then there's this third group. They're are sick and tired, but they are ready to do something. That's where Claudia and Garrett were two years ago. On April 7, 2015 the Penningtons started the journey lead them to eliminate all their debt last month. The grand total? Just over $200,000! Simplifying Finances and Lives  You've probably seen tiny homes in magazines, online, or maybe on TV (thank you HGTV!). Those small spaces are popular for some couples. For one, less space typically means less house to maintain. Right now the median size of size home over in the Northeast, where the Penningtons live, is about 2300sq ft.

Tired of your debt restricting your options? Learn how Claudia &amp; Garrett from <a href="http://twocuphouse.com/" rel="nofollow" target="_blank">Two Cup House</a> dumped $200k in two years by simplifying their lives and moving into a tiny house! Achieving Financial Freedom By Dumping Debt <a href="http://traffic.libsyn.com/couplemoney/Dumping_Debt_and_Downsizing_Into_a_Tiny_Home.mp3" rel="nofollow" target="_blank"> </a> Whenever I hear neighbors, friends, and family talk about their debt, there are a couple of reactions. Some are frustrated being trapped with certain things because of debt. Maybe they'd love to switch jobs to start a new career, but can't because they got bills to pay. Others kind of throw up their hands, accept debt as a part of life. “You'll always have a mortgage.” And then there's this third group. They're are sick and tired, but they are ready to do something. That's where Claudia and Garrett were two years ago. On April 7, 2015 the Penningtons started the journey lead them to <a href="http://twocuphouse.com/balancing-the-scales/" rel="nofollow" target="_blank">eliminate all their debt last month</a>. The grand total? Just over $200,000! Simplifying Finances and Lives  You've probably seen tiny homes in magazines, online, or maybe on TV (thank you HGTV!). Those small spaces are popular for some couples. For one, less space typically means less house to maintain. Right now the median size of size home over in the Northeast, where the Penningtons live, is about 2300sq ft.

Dumping $200k of Debt By Right Sizing Into a Tiny House

Ron Lieber,  NYTimes columnist and author of The Opposite of Spoiled, discusses how to raise money smart kids who are generous.    Talking About Money with Our Kids Whether we plan to or not our kids will pick up their financial habits based on what we say and do around them. We can look back at our parents and get an idea of how they shaped us. So how can we make sure we’re giving our kids a good start with money? In this episode Ron Lieber, NY Times columnist and author of the newly released The Opposite of Spoiled, will share the latest research to help parents raise kids who generous and smart about money. As a bonus, Ron offers listeners a special opportunity to make a difference and show your kids the power of giving. The first 20 listeners who purchase his book and email him a copy of the receipt to ron@ronlieber will get a free $27 DonorsChoose gift card. Resources and Links from the Episode If you want to learn more, I highly recommend that you check out The Opposite of Spoiled as it does a thorough job of tackling some of the trickier situations of raising a financially savvy kid. You may also want to check out:   Too Young for Finance? Think Again – Elmo and Lieber discussing the difference between needs vs wants  Lieber’s columns at the NYtimes  Why You Should Tell Your Kids How Much Money You Make  Thoughts on Raising Money Smart Kids I’d love to hear from you – what are some of your child’s biggest money questions? How have you talked to them about your values and money?

Ron Lieber,  NYTimes columnist and author of <a href="https://web.archive.org/web/20160320121209/http://ronlieber.com/books/the-opposite-of-spoiled/" rel="nofollow" target="_blank">The Opposite of Spoiled</a>, discusses how to raise money smart kids who are generous.  Talking About Money with Our Kids Whether we plan to or not our <a href="https://web.archive.org/web/20160320121209/http://couplemoney.com/book-reviews/the-opposite-of-spoiled-book-review/" rel="nofollow" target="_blank">kids will pick up their financial habits</a> based on what we say and do around them. We can look back at our parents and get an idea of how they shaped us. So how can we make sure we’re giving our kids a good start with money? In this episode Ron Lieber, NY Times columnist and author of the newly released The Opposite of Spoiled, will share the latest research to help parents raise kids who generous and smart about money. As a bonus, Ron offers listeners a special opportunity to make a difference and show your kids the power of giving. The first 20 listeners who purchase his book and email him a copy of the receipt to ron@ronlieber will get a free $27 <a href="https://web.archive.org/web/20160320121209/http://www.donorschoose.org/" rel="nofollow" target="_blank">DonorsChoose</a> gift card. Resources and Links from the Episode If you want to learn more, I highly recommend that you check out The Opposite of Spoiled as it does a thorough job of tackling some of the trickier situations of raising a financially savvy kid. You may also want to check out: <ul> <li><a href="https://web.archive.org/web/20160320121209/http://www.nytimes.com/2011/04/16/your-money/16money.html?pagewanted=all&amp;_r=0" rel="nofollow" target="_blank"> Too Young for Finance? Think Again</a> – Elmo and Lieber discussing the difference between needs vs wants</li> <li><a href="https://web.archive.org/web/20160320121209/http://topics.nytimes.com/top/reference/timestopics/people/l/ron_lieber/index.html" rel="nofollow" target="_blank"> Lieber’s columns at the NYtimes</a></li> <li><a href="https://web.archive.org/web/20160320121209/http://www.nytimes.com/2015/02/01/your-money/why-you-should-tell-your-kids-how-much-you-make.html?ref=topics" rel="nofollow" target="_blank"> Why You Should Tell Your Kids How Much Money You Make</a></li> </ul> Thoughts on Raising Money Smart Kids I’d love to hear from you – what are some of your child’s biggest money questions? How have you talked to them about your values and money?

The Opposite of Spoiled: Teaching Kids About Money

Teaching Kids About Money: Allowances

We're doing a listener Q and a, and we're answering two big marriage and money-related questions: finding better banking options and how to decide whether or not to loan money to friends or family! Answering Your Marriage and Money Questions Last Q&amp;A we covered getting back on track with financial goals, raising credit scores, and jumpstarting your financial cushion.  So what’s on your minds now?  For one, it looks like you’re looking for a better banking option. That’s a smart move as many of us realize how key our checking and savings are in family finances. Getting hit with needless fees not only is draining your account, but most times it’s not for your benefit, but instead about growing their profit.  We’ll also look at how to help out a friend financially without hurting your own finances. We got a lot to cover, so let's get started! Resources to Tackle Your Money Together  Best Budget and Money Apps: Personal Capital, Tiller, Mint Grow Your Stash Faster: High Yield Savings with CiT Bank Jumpstart Your Marriage and Your Money  Should We Loan Money to Family?  How to Master and Maximize Your Bank Accounts Together Join Our Thriving Families Community on Facebook  Thanks to Our Sponsor Coastal!  Support for this podcast comes from Coastal Credit Union! If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today. See how Coastal can help you with your mortgage needs and Daymark Realty has a fantastic team ready to help find the perfect house for you in the Triangle area!  Rollover Your 401(k) Easily with Capitalize   We’re grateful for wonderful partners like Capitalize. Not only do they support the podcast, but they help make managing your money so much easier. Did you know that it’s estimated that there are currently over 24 million “forgotten” 401(k) accounts? In fact, the average American changes jobs every 4 years.  And because of the Great Resignation, you or someone you know might be changing jobs even more.  It’s an extreme case of out of sight and out of mind. Is your old 401(k) in there somewhere, left behind at a job you're no longer with? One huge benefit of an IRA is choosing how your money is invested, not your old employer.  If you want to consolidate your old 401(k) and have more options with how you invest, it may be time to roll them over into an IRA.   With Capitalize, they handle the process from start to finish – for FREE. And yes, that includes calling the 401(k) provider on your behalf.  Find out how and get started today! Support the Podcast Thank you so much for listening to the podcast!  Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple , Spotify, or Audible. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together! 

We're doing a listener Q and a, and we're answering two big marriage and money-related questions: finding better banking options and how to decide whether or not to loan money to friends or family! Answering Your Marriage and Money Questions Last Q&amp;A we covered getting back on track with financial goals, raising credit scores, and jumpstarting your financial cushion.  So what’s on your minds now?  For one, it looks like you’re looking for a better banking option. That’s a smart move as many of us realize how key our checking and savings are in family finances. Getting hit with needless fees not only is draining your account, but most times it’s not for your benefit, but instead about growing their profit.  We’ll also look at how to help out a friend financially without hurting your own finances. We got a lot to cover, so let's get started! Resources to Tackle Your Money Together <ul> <li>Best Budget and Money Apps: <a href="http://couplemoney.com/PersonalCapital" rel="nofollow" target="_blank">Personal Capital</a>, <a href="http://couplemoney.com/tiller" rel="nofollow" target="_blank">Tiller</a>, <a href="http://couplemoney.com/mint" rel="nofollow" target="_blank">Mint</a></li> <li>Grow Your Stash Faster: <a href="http://couplemoney.com/CITsavings" rel="nofollow" target="_blank">High Yield Savings with CiT Bank</a></li> <li><a href="http://couplemoney.com/book" rel="nofollow" target="_blank">Jumpstart Your Marriage and Your Money</a></li> <li><a href="https://www.simplifyandenjoy.com/family-and-finances-how-to-deal-with-awkward-money-chats/" rel="nofollow" target="_blank"> Should We Loan Money to Family?</a></li> <li><a href="https://couplemoney.com/banking/master-maximize-bank-accounts-together/" rel="nofollow" target="_blank"> How to Master and Maximize Your Bank Accounts Together</a></li> <li>Join Our <a href="https://simplifyandenjoy.com/thrivingFamilies" rel="nofollow" target="_blank">Thriving Families</a> Community on Facebook</li> </ul> Thanks to Our Sponsor Coastal! <a href="http://couplemoney.com/bankbetter" rel="nofollow" target="_blank"></a> Support for this podcast comes from <a href="http://couplemoney.com/bankbetter" rel="nofollow" target="_blank">Coastal Credit Union</a>! If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today. See how Coastal can help you with <a href="http://couplemoney.com/CoastalMortgages" rel="nofollow" target="_blank">your mortgage needs</a> and <a href="http://couplemoney.com/Daymark" rel="nofollow" target="_blank">Daymark Realty</a> has a fantastic team ready to help find the perfect house for you in the Triangle area!  Rollover Your 401(k) Easily with Capitalize <a href="https://i0.wp.com/couplemoney.com/wp-content/uploads/best-inventions-2021-Capitalize-Online-401k-1.jpg?ssl=1" rel="nofollow" target="_blank"> </a> We’re grateful for wonderful partners like <a href="http://simplifyandenjoy.com/capitalize" rel="nofollow" target="_blank">Capitalize</a>. Not only do they support the podcast, but they help make managing your money so much easier. Did you know that it’s estimated that there are currently over 24 million “forgotten” 401(k) accounts? In fact, <a href="https://www.monster.com/career-advice/article/dont-stay-in-same-job-more-than-four-years" rel="nofollow" target="_blank">the average American changes jobs every 4 years</a>.  And because of the Great Resignation, you or someone you know might be changing jobs even more.  It’s an extreme case of out of sight and out of mind. Is your old 401(k) in there somewhere, left behind at a job you're no longer with? One huge benefit of an IRA is choosing how your money is invested, not your old employer.  If you want to consolidate your old 401(k) and have more options with how you invest, it may be time to roll them over into an IRA.   With Capitalize, they handle the process from start to finish – for FREE. And yes, that includes calling the 401(k) provider on your behalf.  Find out how and <a href="https://www.simplifyandenjoy.com/capitalize" rel="nofollow" target="_blank">get started today</a>! Support the Podcast Thank you so much for listening to the podcast! <ul> <li>Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.</li> <li>Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on <a href="https://itunes.apple.com/us/podcast/couple-money-podcast-build-your-marriage-wealth-together/id924656111?mt=2" rel="nofollow" target="_blank">Apple</a> , <a href="https://www.stitcher.com/podcast/elle-martinez/couple-money-podcast" rel="nofollow" target="_blank">Spotify</a>, or <a href="https://www.audible.com/pd/Couple-Money-Podcast-Podcast/B09VF34YYF" rel="nofollow" target="_blank">Audible</a>.</li> <li>Grab a copy of <a href="http://couplemoney.com/book" rel="nofollow" target="_blank">Jumpstart Your Marriage and Your Money</a>. <a href="https://couplemoney.com/book" rel="nofollow" target="_blank">My book</a> is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!</li> </ul>

Marriage and Money Q&A: Better Bank Options Plus Loaning Money to Family

Ever dream of getting away from it? Learn how to prepare and plan your own adventure as Mike shares how he and his wife took their family on an RV trip across the Americas! Family Adventure: How to Plan for an Epic RV Trip    We've been talking in a series of episodes about travel all this month- how to plan these different types of trips for your family that you'll enjoy and remember for a long time. But have you thought about doing something bigger?  Something where you don't just go away for a week on a vacation or a cruise, but actually take a break from your job, your house, and explore a different part of the world for a while? Sounds pretty crazy, right? I think most people would have a few things. That immediately come to mind about why it wouldn't work.  How would we pay for this? Would we be able to find a job after we return? Could we sell your house? If you have kids, how would they deal with things?  They're normal questions and concerns to have. I'd take it as a sign that you're someone who thinks things through. But wouldn't it be fun to shake up things a little? Mike Heroux of Dividend Guy is on the show to help you go from dream to reality by sharing his story and take on things. He and his wife are wrapping a trip they took as a family five through the Americas. In this episode, we look into:  how they prepare their finances and themselves for their RV trip dealing with difficulties on the road how you can start building some income on the side for your own adventure  Hope you enjoy it!           Resources to Travel More Thinking about traveling more this year? Here are some resources to check out to get you up and running with travel hacking:  Best Budget and Money Apps: Personal Capital, Tiller, Mint Grow Your Stash Faster: High Yield Savings with CiT Bank Automatic Saving: Qapital Jumpstart Your Marriage and Your Money How to Be a Travel Hacker  Credit Cards and Airline Miles – Can You Really Get Free Flights? Finding Great Deals on Hotels Debt Free Vacations – How It Works for Us  How to Travel to Exotic, Expensive Cities on $50 a Day  Don't forget to send in your marriage and money questions for our upcoming listener mailbag episode! Thanks to Our Sponsor Coastal!  Support for this podcast comes from Coastal Credit Union! If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today. See how Coastal can help you with your mortgage needs and Daymark Realty has a fantastic team ready to help find the perfect house for you in the Triangle area!  Rollover Your 401(k) Easily with Capitalize   We’re grateful for wonderful partners like Capitalize. Not only do they support the podcast, but they help make managing your money so much easier.  Did you know that it’s estimated that there are currently over 24 million “forgotten” 401(k) accounts? In fact, the average American changes jobs every 4 years.  And because of the Great Resignation, you or someone you know might be changing jobs even more.  It’s an extreme case of out of sight and out of mind. Is your old 401(k) in there somewhere, left behind at a job you're no longer with? One huge benefit of an IRA is choosing how your money is invested, not your old employer.  If you want to consolidate your old 401(k) and have more options with how you invest, it may be time to roll them over into an IRA.   With Capitalize, they handle the process from start to finish – for FREE. And yes, that includes calling the 401(k) provider on your behalf.  Find out how and get started today! Support the Podcast Thank you so much for listening to the podcast!  Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple , Spotify, or Audible. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together! 

Ever dream of getting away from it? Learn how to prepare and plan your own adventure as Mike shares how he and his wife took their family on an RV trip across the Americas! Family Adventure: How to Plan for an Epic RV Trip We've been talking in a series of episodes about travel all this month- how to plan these different types of trips for your family that you'll enjoy and remember for a long time. But have you thought about doing something bigger?  Something where you don't just go away for a week on a vacation or a cruise, but actually take a break from your job, your house, and explore a different part of the world for a while? Sounds pretty crazy, right? I think most people would have a few things. That immediately come to mind about why it wouldn't work. <ul> <li>How would we pay for this?</li> <li>Would we be able to find a job after we return?</li> <li>Could we sell your house?</li> <li>If you have kids, how would they deal with things?</li> </ul> They're normal questions and concerns to have. I'd take it as a sign that you're someone who thinks things through. But wouldn't it be fun to shake up things a little? Mike Heroux of <a href="https://www.thedividendguyblog.com/" rel="nofollow" target="_blank">Dividend Guy</a> is on the show to help you go from dream to reality by sharing his story and take on things. He and his wife are wrapping a trip they took as a family five through the Americas. In this episode, we look into: <ul> <li>how they prepare their finances and themselves for their RV trip</li> <li>dealing with difficulties on the road</li> <li>how you can start building some income on the side for your own adventure</li> </ul> Hope you enjoy it!   Resources to Travel More Thinking about traveling more this year? Here are some resources to check out to get you up and running with travel hacking: <ul> <li>Best Budget and Money Apps: <a href="http://couplemoney.com/PersonalCapital" rel="nofollow" target="_blank">Personal Capital</a>, <a href="http://couplemoney.com/tiller" rel="nofollow" target="_blank">Tiller</a>, <a href="http://couplemoney.com/mint" rel="nofollow" target="_blank">Mint</a></li> <li>Grow Your Stash Faster: <a href="http://couplemoney.com/CITsavings" rel="nofollow" target="_blank">High Yield Savings with CiT Bank</a></li> <li>Automatic Saving: <a href="http://couplemoney.com/qapital" rel="nofollow" target="_blank">Qapital</a></li> <li><a href="http://couplemoney.com/book" rel="nofollow" target="_blank">Jumpstart Your Marriage and Your Money</a></li> <li><a href="http://www.nomadicmatt.com/travel-tips/travel-hacking-guide/" rel="nofollow" target="_blank">How to Be a Travel Hacker</a></li> <li><a href="http://couplemoney.com/travel/travel-hacking-credit-cards-free-vacations/" rel="nofollow" target="_blank"> Credit Cards and Airline Miles – Can You Really Get Free Flights?</a></li> <li><a href="http://couplemoney.com/travel/finding-great-deals-on-hotels/" rel="nofollow" target="_blank">Finding Great Deals on Hotels</a></li> <li><a href="http://couplemoney.com/travel/debt-free-vacations-how-to-do-it/" rel="nofollow" target="_blank">Debt Free Vacations – How It Works for Us</a></li> <li><a href="http://tim.blog/2013/08/05/cheap-travel-in-paris-new-york-hong-kong/" rel="nofollow" target="_blank"> How to Travel to Exotic, Expensive Cities on $50 a Day</a></li> </ul> Don't forget to <a href="https://forms.gle/NzwkqpQw8Q7q98CYA" rel="nofollow" target="_blank">send in your marriage and money questions</a> for our upcoming listener mailbag episode! Thanks to Our Sponsor Coastal! <a href="http://couplemoney.com/bankbetter" rel="nofollow" target="_blank"></a> Support for this podcast comes from <a href="http://couplemoney.com/bankbetter" rel="nofollow" target="_blank">Coastal Credit Union</a>! If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today. See how Coastal can help you with <a href="http://couplemoney.com/CoastalMortgages" rel="nofollow" target="_blank">your mortgage needs</a> and <a href="http://couplemoney.com/Daymark" rel="nofollow" target="_blank">Daymark Realty</a> has a fantastic team ready to help find the perfect house for you in the Triangle area!  Rollover Your 401(k) Easily with Capitalize <a href="https://i0.wp.com/couplemoney.com/wp-content/uploads/best-inventions-2021-Capitalize-Online-401k-1.jpg?ssl=1" rel="nofollow" target="_blank"> </a> We’re grateful for wonderful partners like <a href="http://simplifyandenjoy.com/capitalize" rel="nofollow" target="_blank">Capitalize</a>. Not only do they support the podcast, but they help make managing your money so much easier.  Did you know that it’s estimated that there are currently over 24 million “forgotten” 401(k) accounts? In fact, <a href="https://www.monster.com/career-advice/article/dont-stay-in-same-job-more-than-four-years" rel="nofollow" target="_blank">the average American changes jobs every 4 years</a>.  And because of the Great Resignation, you or someone you know might be changing jobs even more.  It’s an extreme case of out of sight and out of mind. Is your old 401(k) in there somewhere, left behind at a job you're no longer with? One huge benefit of an IRA is choosing how your money is invested, not your old employer.  If you want to consolidate your old 401(k) and have more options with how you invest, it may be time to roll them over into an IRA.   With Capitalize, they handle the process from start to finish – for FREE. And yes, that includes calling the 401(k) provider on your behalf.  Find out how and <a href="https://www.simplifyandenjoy.com/capitalize" rel="nofollow" target="_blank">get started today</a>! Support the Podcast Thank you so much for listening to the podcast! <ul> <li>Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.</li> <li>Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on <a href="https://itunes.apple.com/us/podcast/couple-money-podcast-build-your-marriage-wealth-together/id924656111?mt=2" rel="nofollow" target="_blank">Apple</a> , <a href="https://www.stitcher.com/podcast/elle-martinez/couple-money-podcast" rel="nofollow" target="_blank">Spotify</a>, or <a href="https://www.audible.com/pd/Couple-Money-Podcast-Podcast/B09VF34YYF" rel="nofollow" target="_blank">Audible</a>.</li> <li>Grab a copy of <a href="http://couplemoney.com/book" rel="nofollow" target="_blank">Jumpstart Your Marriage and Your Money</a>. <a href="https://couplemoney.com/book" rel="nofollow" target="_blank">My book</a> is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!</li> </ul>

Family Adventure: Year-long RV Trip Across the Americas

Want to see more of the world, but are limited by budget? Learn how one couple used travel hacking so their entire family could take fantastic trips!  Travel Hacking as a Family    While, I know many families are eager to get out there and traveled to summer. I also know that one of the holdups they have is their budget. Whether you're flying, renting cars. Staying at an Airbnb hotel. Everything has gotten more expensive. Traveling as a couple can be pricey, but still feasible. But it can be a financial challenge when you add kids to the mix. That's why I want to share from the archive and interview I had with Dan Miller, founder of Points With a Crew. Dan's managed to score some wonderful deals on his trips including getting plane tickets for his entire family to lake Tahoe and a cross country train ride. Did I mention they're a family of eight? Hopefully we'll show how you can keep more money in your pocket and still have your family seeing the world around them. In today's episode he shares:  how to choose the right credit cards to maximize rewards staying out of debt while staying on top of their credit cards tricks and tips on getting kids ready for traveling  Hope you enjoy!   If you're looking for more travel tips from a couple with kids, please check out my interview with early retiree Justin from Root of Good. Travel Hacking Resources and More Want to learn more about travel hacking? Here are some resources to check out:  Best Budget and Money Apps: Personal Capital, Tiller, Mint Grow Your Stash Faster: High Yield Savings with CiT Bank Jumpstart Your Marriage and Your Money Connect with Dan: Points with a Crew| Twitter   How to Be a Travel Hacker  Budget vs Luxury Hotels for Families  Hotels with Free Dinners  Credit Cards and Airline Miles – Can You Really Get Free Flights? Finding Great Deals on Hotels Debt Free Vacations – How It Works for Us 17 Travel Hacking Tips for People Who Value Their Time and Sanity  How to Master Life, Language, and Travel  Thank You to Our Sponsor Coastal!  Support for this podcast comes from Coastal Credit Union! If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today. See how Coastal can help you with your mortgage needs and Daymark Realty has a fantastic team ready to help find the perfect house for you in the Triangle area!  Rollover Your 401(k) Easily with Capitalize   We’re grateful for wonderful partners like Capitalize. Not only do they support the podcast, but they help make managing your money so much easier.  Did you know that it’s estimated that there are currently over 24 million “forgotten” 401(k) accounts? In fact, the average American changes jobs every 4 years.  And because of the Great Resignation, you or someone you know might be changing jobs even more  It’s an extreme case of out of sight and out of mind. Is your old 401(k) in there somewhere, left behind at a job you're no longer with? One huge benefit with an IRA is you get to choose how your money is invested, not your old employer.  If you want to consolidate your old 401(k) and have more options with how you invest, it may be time to roll them over into an IRA.   With Capitalize, they handle the process from start-to-finish – for FREE. They handle the process from start-to-finish, and yes that includes calling the 401(k) provider on your behalf. Support the Podcast Thank you so much for listening to the podcast!  Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple , Spotify, or Audible. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!  This episode was originally released in April 2015. Show notes have been updated in May 2022.     Find out how and get started today!

Want to see more of the world, but are limited by budget? Learn how one couple used travel hacking so their entire family could take fantastic trips!  Travel Hacking as a Family While, I know many families are eager to get out there and traveled to summer. I also know that one of the holdups they have is their budget. Whether you're flying, renting cars. Staying at an <a href="https://couplemoney.com/airBnb" rel="nofollow" target="_blank">Airbnb</a> hotel. Everything has gotten more expensive. Traveling as a couple can be pricey, but still feasible. But it can be a financial challenge when you add kids to the mix. That's why I want to share from the archive and interview I had with Dan Miller, founder of <a href="http://www.pointswithacrew.com/" rel="nofollow" target="_blank">Points With a Crew</a>. Dan's managed to score some wonderful deals on his trips including getting plane tickets for his entire family to lake Tahoe and a cross country train ride. Did I mention they're a family of eight? Hopefully we'll show how you can keep more money in your pocket and still have your family seeing the world around them. In today's episode he shares: <ul> <li>how to choose the right credit cards to maximize rewards</li> <li>staying out of debt while staying on top of their credit cards</li> <li>tricks and tips on getting kids ready for traveling</li> </ul> Hope you enjoy! If you're looking for more travel tips from a couple with kids, please check out <a href="http://couplemoney.com/family-and-finances/financial-independence-big-wins/" rel="nofollow" target="_blank">my interview with early retiree Justin</a> from <a href="http://rootofgood.com/" rel="nofollow" target="_blank">Root of Good</a>. Travel Hacking Resources and More Want to learn more about travel hacking? Here are some resources to check out: <ul> <li>Best Budget and Money Apps:<a href="http://couplemoney.com/PersonalCapital" rel="nofollow" target="_blank"> Personal Capital</a>, <a href="http://couplemoney.com/tiller" rel="nofollow" target="_blank">Tiller</a>, <a href="http://couplemoney.com/mint" rel="nofollow" target="_blank">Mint</a></li> <li>Grow Your Stash Faster:<a href="http://couplemoney.com/CITsavings" rel="nofollow" target="_blank"> High Yield Savings with CiT Bank</a></li> <li><a href="http://couplemoney.com/book" rel="nofollow" target="_blank">Jumpstart Your Marriage and Your Money</a></li> <li>Connect with Dan: <a href="https://www.pointswithacrew.com/" rel="nofollow" target="_blank">Points with a Crew</a>| <a href="https://twitter.com/pointswithacrew" rel="nofollow" target="_blank">Twitter</a></li> </ul> <ul> <li><a href="http://www.nomadicmatt.com/travel-tips/travel-hacking-guide/" rel="nofollow" target="_blank">How to Be a Travel Hacker</a></li> <li><a href="http://www.pointswithacrew.com/3-reasons-budget-hotels-destroy-nice-ones/" rel="nofollow" target="_blank"> Budget vs Luxury Hotels for Families</a></li> <li><a href="http://www.pointswithacrew.com/which-hotels-give-dinner-for-free/" rel="nofollow" target="_blank"> Hotels with Free Dinners</a></li> <li><a href="http://couplemoney.com/travel/travel-hacking-credit-cards-free-vacations/" rel="nofollow" target="_blank"> Credit Cards and Airline Miles – Can You Really Get Free Flights?</a></li> <li><a href="http://couplemoney.com/travel/finding-great-deals-on-hotels/" rel="nofollow" target="_blank">Finding Great Deals on Hotels</a></li> <li><a href="http://couplemoney.com/travel/debt-free-vacations-how-to-do-it/" rel="nofollow" target="_blank">Debt Free Vacations – How It Works for Us</a></li> <li><a href="http://chrisguillebeau.com/17-travel-hacking-tips/" rel="nofollow" target="_blank">17 Travel Hacking Tips for People Who Value Their Time and Sanity </a></li> <li><a href="http://www.nomadicmatt.com/travel-blogs/tim-ferriss-interview/" rel="nofollow" target="_blank">How to Master Life, Language, and Travel</a></li> </ul> Thank You to Our Sponsor Coastal! <a href="http://couplemoney.com/bankbetter" rel="nofollow" target="_blank"></a> Support for this podcast comes from <a href="http://couplemoney.com/bankbetter" rel="nofollow" target="_blank">Coastal Credit Union</a>! If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today. See how Coastal can help you with <a href="http://couplemoney.com/CoastalMortgages" rel="nofollow" target="_blank">your mortgage needs</a> and <a href="http://couplemoney.com/Daymark" rel="nofollow" target="_blank">Daymark Realty</a> has a fantastic team ready to help find the perfect house for you in the Triangle area!  Rollover Your 401(k) Easily with Capitalize <a href="https://i0.wp.com/couplemoney.com/wp-content/uploads/best-inventions-2021-Capitalize-Online-401k-1.jpg?ssl=1" rel="nofollow" target="_blank"> </a> We’re grateful for wonderful partners like <a href="http://simplifyandenjoy.com/capitalize" rel="nofollow" target="_blank">Capitalize</a>. Not only do they support the podcast, but they help make managing your money so much easier.  Did you know that it’s estimated that there are currently over 24 million “forgotten” 401(k) accounts? In fact, <a href="https://www.monster.com/career-advice/article/dont-stay-in-same-job-more-than-four-years" rel="nofollow" target="_blank">the average American changes jobs every 4 years</a>.  And because of the Great Resignation, you or someone you know might be changing jobs even more  It’s an extreme case of out of sight and out of mind. Is your old 401(k) in there somewhere, left behind at a job you're no longer with? One huge benefit with an IRA is you get to choose how your money is invested, not your old employer.  If you want to consolidate your old 401(k) and have more options with how you invest, it may be time to roll them over into an IRA.   With Capitalize, they handle the process from start-to-finish – for FREE. They handle the process from start-to-finish, and yes that includes calling the 401(k) provider on your behalf. Support the Podcast Thank you so much for listening to the podcast! <ul> <li>Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.</li> <li>Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on <a href="https://itunes.apple.com/us/podcast/couple-money-podcast-build-your-marriage-wealth-together/id924656111?mt=2" rel="nofollow" target="_blank">Apple</a> , <a href="https://www.stitcher.com/podcast/elle-martinez/couple-money-podcast" rel="nofollow" target="_blank">Spotify</a>, or <a href="https://www.audible.com/pd/Couple-Money-Podcast-Podcast/B09VF34YYF" rel="nofollow" target="_blank">Audible</a>.</li> <li>Grab a copy of <a href="http://couplemoney.com/book" rel="nofollow" target="_blank">Jumpstart Your Marriage and Your Money</a>. <a href="https://couplemoney.com/book" rel="nofollow" target="_blank">My book</a> is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!</li> </ul> This episode was originally released in April 2015. Show notes have been updated in May 2022. Find out how and <a href="https://www.simplifyandenjoy.com/capitalize" rel="nofollow" target="_blank">get started today</a>!

Family Travel Hacking with Points with a Crew

Elle Martinez from Couple Money discusses how to build your net worth and your marriage by helping you create a financial system that works for both of you. Each episode will tackle a topic that couples deal with such as paying off debt faster, saving for the future while still enjoying today, how to invest smarter, and  retiring early.

Mixing up episode length and breaking down finance together is a great combination!

Tackle it together

If you want to be happy in your relationship and with your money, this is a must listen.

A must

Couple Money Podcast

Finding Your Best Money System as a Couple

Are you two frustrated because you're financial opposites? Learn strategies and conversation starters so you can get on the same page and win with money!  When Financial Opposites Attract Money fights are an incredible source of stress with marriage when left unchecked. it doesn't have to be that way. There are couples who have achieved huge goals - like paying off massive amounts of debts, buying their dream home, or travel together by harness the advantages of their differences. The key is learning how to work together even when they are financial opposites. I usually don’t do two guests, but I wanted to show how 1 - there are certain principles that can help every couple and 2 - there are times when you have to carve your own path. Her Money Matters author Jen Hemphill and Zeta CEO and founder Aditi Shekar join the show today. In this episode we get into:  Creating your goals and money take Finding a budget you’re both on board with How to deal with tricky situations - like lending money to family - without straining your marriage or money  Think you’ll hear a lot of familiar stuff and get some new ideas with this episode. Hope you enjoy! Resources to Combine Your Finances Here are some resources to dive deep into how you two can work together as a team with your finances.    How to Talk About Money Without Starting a Fight  Managing Financial Conflicts as a Couple  How to Use Money Fights to Strengthen Your Marriage with Jayson Gaddis  Build Your Marriage &amp; Wealth with Money Dates  Three Toxic Habits to Stop When Talking About Money Jen Hemphill's Money Coaching  We’re going to discuss the ins and outs of merging finances and personalities in our private Facebook group over at Thriving Families. It’s free and fun - please join us! Zeta: Helping Couples Master Their Money Together So happy Aditi could join us on this episode. If you two are looking for a customizable solution with your finances, please check out Zeta. Zeta helps you stay on top of your finances together by helping you understand where your money is going. Track all of your accounts in one easy to use spot. Stay on the same page about money! Drop memos on specific transactions, add monthly notes to remember what happened, or split spending as needed. Go to Zeta to get more info! Support the Podcast! Thank you so much for listening to the podcast!  Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!  Music Credit Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere. xg6dZf2rC8siqqOYIn6j

Are you two frustrated because you're financial opposites? Learn strategies and conversation starters so you can get on the same page and win with money!  When Financial Opposites Attract Money fights are an incredible source of stress with marriage when left unchecked. it doesn't have to be that way. There are couples who have achieved huge goals - like paying off massive amounts of debts, buying their dream home, or travel together by harness the advantages of their differences. The key is learning how to work together even when they are financial opposites. I usually don’t do two guests, but I wanted to show how 1 - there are certain principles that can help every couple and 2 - there are times when you have to carve your own path. <a href="https://www.amazon.com/Her-Money-Matters-Missing-Traditional-ebook/dp/B079QNLGTT/ref=sr_1_1?s=digital-text&amp;ie=UTF8&amp;qid=1518704086&amp;sr=1-1&amp;keywords=her+money+matters" rel="nofollow" target="_blank">Her Money Matters</a> author Jen Hemphill and <a href="http://couplemoneypodcast.com/zeta" rel="nofollow" target="_blank">Zeta</a> CEO and founder Aditi Shekar join the show today. In this episode we get into: <ul> <li>Creating your goals and money take</li> <li>Finding a budget you’re both on board with</li> <li>How to deal with tricky situations - like lending money to family - without straining your marriage or money</li> </ul> Think you’ll hear a lot of familiar stuff and get some new ideas with this episode. Hope you enjoy! Resources to Combine Your Finances Here are some resources to dive deep into how you two can work together as a team with your finances.  <ul> <li><a href="http://couplemoney.com/family-and-finances/how-to-bring-up-the-money-talk/" rel="nofollow" target="_blank"> How to Talk About Money Without Starting a Fight</a></li> <li><a href="https://couplemoney.com/family-and-finances/managing-financial-conflicts-as-a-couple/" rel="nofollow" target="_blank"> Managing Financial Conflicts as a Couple</a></li> <li><a href="https://couplemoney.com/podcast/marriage-money-fights-jayson-gaddis/" rel="nofollow" target="_blank"> How to Use Money Fights to Strengthen Your Marriage with Jayson Gaddis</a></li> <li><a href="https://couplemoney.com/family-and-finances/build-marriage-wealth-money-dates/" rel="nofollow" target="_blank"> Build Your Marriage &amp; Wealth with Money Dates</a></li> <li><a href="http://couplemoneypodcast.com/money-and-marriage-toxic-habits-to-avoid/" rel="nofollow" target="_blank"> Three Toxic Habits to Stop When Talking About Money</a></li> <li><a href="https://jenhemphill.com/services/" rel="nofollow" target="_blank">Jen Hemphill's Money Coaching</a></li> </ul> We’re going to discuss the ins and outs of merging finances and personalities in our private Facebook group over at <a href="http://couplemoneypodcast.com/thrivingFamilies" rel="nofollow" target="_blank">Thriving Families</a>. It’s free and fun - <a href="http://couplemoneypodcast.com/thrivingFamilies" rel="nofollow" target="_blank">please join us</a>! Zeta: Helping Couples Master Their Money Together So happy Aditi could join us on this episode. If you two are looking for a customizable solution with your finances, <a href="http://couplemoneypodcast.com/zeta" rel="nofollow" target="_blank">please check out Zeta</a>. Zeta helps you stay on top of your finances together by helping you understand where your money is going. Track all of your accounts in one easy to use spot. Stay on the same page about money! Drop memos on specific transactions, add monthly notes to remember what happened, or split spending as needed. <a href="http://couplemoneypodcast.com/zeta" rel="nofollow" target="_blank">Go to Zeta to get more info</a>! Support the Podcast! Thank you so much for listening to the podcast! <ul> <li>Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.</li> <li>Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on <a href="https://itunes.apple.com/us/podcast/couple-money-podcast-build-your-marriage-wealth-together/id924656111?mt=2" rel="nofollow" target="_blank">Apple</a> or <a href="https://www.stitcher.com/podcast/elle-martinez/couple-money-podcast" rel="nofollow" target="_blank">Stitcher</a>.</li> <li>Grab a copy of <a href="https://couplemoney.com/book" rel="nofollow" target="_blank">Jumpstart Your Marriage and Your Money</a>. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!</li> </ul> Music Credit Like the music in this episode? Our theme song is by <a href="https://www.youtube.com/user/gentleregime" rel="nofollow" target="_blank">Gentle Regime</a>. Additional music by <a href="https://leerosevere.bandcamp.com/" rel="nofollow" target="_blank">Lee Rosevere.</a> xg6dZf2rC8siqqOYIn6j

Marriage and Money: Working Together as Financial Opposites

Does your family budget feel tight? Learn 3 key ways on how you can save hundreds of dollars each month while raising your kids and still having fun!   Saving More as a Family I know that financial independence is a buzzword in the personal finance sphere. You got stories where people are saving 60, 70% of and retiring in 5, 10 years.   I commend anyone is who simplifies their lives and removes the needless excess so they can achieve the goal.   What I do see missing in some of these dramatic stories are the numbers, details, and well, relatability.   Saving 70% of a $200k income is an achievement, but so is saving 20% of a $50,000.   And to be helpful to families of different incomes, we need to look at the principles behind and it really comes down to mastering the art of living well on less.   Notice I didn’t say living on less. You do have to spend less than you earn- that’s a core financial principle - but the other is living well. This is about a financial diet where you deprive yourself just to save more. This is about a lifestyle where you nail what truly matters to you, cut out the noise, and move your money towards your dreams.   Now, before you can pay off your debts, have an emergency fund, or invest for your future you have to have some money, right?   We have to develop our muscle with saving more.   Which is why we have Ansley Fender on today. She’s a Personal Finance Coach and Writer.   Ansley helps people make sense of their money by designing spending plans that align with their goals and lifestyle preferences.   She also understands firsthand what it’s like to accumulate $100,000 in student loan and consumer debt while climbing her way out as a new mom.   In this episode, we get into:    How to pursue financial freedom when you want to have a life Ways to have fun as a family without breaking the bank How you can earn some extra cash by doing things you already enjoy    I hope you enjoy!   Resources to Save Money   Want to start boosting your savings rate? Here are some resources to check out:    Best Budget and Money Apps: Personal Capital, Tiller, Mint Automatic Saving: Qapital Free 401(k) Analysis: blooom 5 Days to $5K: It’s my free weeklong course to show you how to find, save, and make extra money so you can dump debt and save more!  17 Money Saving Strategies We Used to Triple Our Savings Rate How We Went From Earning a Living to Building Wealth, Together 3 Money Tips to Best Afford Luxuries    Support the Podcast!   Thank you so much for listening to the podcast!    Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!    Music Credit   Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere.

Does your family budget feel tight? Learn 3 key ways on how you can save hundreds of dollars each month while raising your kids and still having fun! Saving More as a Family I know that financial independence is a buzzword in the personal finance sphere. You got stories where people are saving 60, 70% of and retiring in 5, 10 years. I commend anyone is who simplifies their lives and removes the needless excess so they can achieve the goal. What I do see missing in some of these dramatic stories are the numbers, details, and well, relatability. Saving 70% of a $200k income is an achievement, but so is saving 20% of a $50,000. And to be helpful to families of different incomes, we need to look at the principles behind and it really comes down to mastering the art of living well on less. Notice I didn’t say living on less. You do have to spend less than you earn- that’s a core financial principle - but the other is living well. This is about a financial diet where you deprive yourself just to save more. This is about a lifestyle where you nail what truly matters to you, cut out the noise, and move your money towards your dreams. Now, before you can pay off your debts, have an emergency fund, or invest for your future you have to have some money, right? We have to develop our muscle with saving more. Which is why we have Ansley Fender on today. She’s a Personal Finance Coach and Writer. Ansley helps people make sense of their money by designing spending plans that align with their goals and lifestyle preferences. She also understands firsthand what it’s like to accumulate $100,000 in student loan and consumer debt while climbing her way out as a new mom. In this episode, we get into: <ul> <li>How to pursue financial freedom when you want to have a life</li> <li>Ways to have fun as a family without breaking the bank</li> <li>How you can earn some extra cash by doing things you already enjoy</li> </ul> I hope you enjoy! Resources to Save Money Want to start boosting your savings rate? Here are some resources to check out: <ul> <li>Best Budget and Money Apps: <a href="https://couplemoney.com/PersonalCapital" rel="nofollow" target="_blank">Personal Capital</a>, <a href="https://couplemoney.com/tiller" rel="nofollow" target="_blank">Tiller</a>, <a href="https://couplemoney.com/mint" rel="nofollow" target="_blank">Mint</a></li> <li>Automatic Saving: <a href="https://couplemoney.com/qapital" rel="nofollow" target="_blank">Qapital</a></li> <li>Free 401(k) Analysis:<a href="https://couplemoney.com/blooom" rel="nofollow" target="_blank"> blooom</a></li> <li><a href="https://couplemoney.com/5k" rel="nofollow" target="_blank">5 Days to $5K</a>: It’s my free weeklong course to show you how to find, save, and make extra money so you can <a href="https://www.youtube.com/watch?v=R63M6xH-6xE" rel="nofollow" target="_blank">dump debt and save more! </a></li> <li><a href="https://www.youtube.com/watch?v=R63M6xH-6xE" rel="nofollow" target="_blank">17 Money Saving Strategies We Used to Triple Our Savings Rate</a></li> <li><a href="https://www.youtube.com/watch?v=R63M6xH-6xE" rel="nofollow" target="_blank">How We Went From Earning a Living to Building Wealth, Together</a></li> <li><a href="https://www.youtube.com/watch?v=R63M6xH-6xE" rel="nofollow" target="_blank">3 Money Tips to Best Afford Luxuries</a></li> </ul> Support the Podcast! Thank you so much for listening to the podcast! <ul> <li>Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.</li> <li>Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on <a href="https://itunes.apple.com/us/podcast/couple-money-podcast-build-your-marriage-wealth-together/id924656111?mt=2" rel="nofollow" target="_blank">Apple</a> or <a href="https://www.stitcher.com/podcast/elle-martinez/couple-money-podcast" rel="nofollow" target="_blank">Stitcher</a>.</li> <li>Grab a copy of <a href="https://couplemoney.com/book" rel="nofollow" target="_blank">Jumpstart Your Marriage and Your Money</a>. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!</li> </ul> Music Credit Like the music in this episode? Our theme song is by <a href="https://www.youtube.com/user/gentleregime" rel="nofollow" target="_blank">Gentle Regime</a>. Additional music by <a href="https://leerosevere.bandcamp.com/" rel="nofollow" target="_blank">Lee Rosevere</a>.

How to Save More Money as a Family 

Do you two have several dreams you want to achieve, but not making any real progress? Today I'll share how you can save for your big goals together!    How to Save for Your Biggest Goals Today we're going to tackle the three biggest hurdles to saving and achieving your goals:  Getting your spouse on board with saving Getting on the same page with your goals Finding money to save  Hope you enjoy! Resources to Define Your Priorities and Big Goals Whether it’s a joint or personal goal, there are handy resources available to help you two achieve your dreams.   20 Ways to Have Fun This Summer and Still Save a Ton of Money  How Our Financial Goals Followed Our Family  What’s Your One Page Financial Plan?  Handy Tools to Save More Money Here are a few of my favorite tools that make saving money much easier!  Money Tracking and Budgets: Personal Capital, Mint, and Tiller are fantastic options Qapital: Free tool that makes saving automatic and fun iBotta: Redeem cash while shopping Camel, Camel, Camel: Free Amazon price tracker Honey: Free browser extension that searches for coupon codes for you during check out Paribus: Checks for price drops and works to get you a refund  Jumpstart Your Marriage and Money Course Want to give your marriage and bank account a boost? Pick up Jumpstart Your Marriage and Money course. Jumpstart focuses on the big wins including earning more. Get LIFETIME access to a four-week course design to help you:  Stop fighting about money and create a budget that you BOTH LOVE Automate your money Pay off your debt faster Plus more!  You can get lifetime access here.  Music Credit Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere and Logan from Music for Makers in this episode.

Do you two have several dreams you want to achieve, but not making any real progress? Today I'll share how you can save for your big goals together!    How to Save for Your Biggest Goals Today we're going to tackle the three biggest hurdles to saving and achieving your goals: <ul> <li>Getting your spouse on board with saving</li> <li>Getting on the same page with your goals</li> <li>Finding money to save</li> </ul> Hope you enjoy! Resources to Define Your Priorities and Big Goals Whether it’s a joint or personal goal, there are handy resources available to help you two achieve your dreams. <ul> <li><a href="http://couplemoneypodcast.com/20-ways-to-have-fun-this-summer-and-still-save-a-ton-of-money/" rel="nofollow" target="_blank"> 20 Ways to Have Fun This Summer and Still Save a Ton of Money</a></li> <li><a href="http://couplemoney.com/budgeting/how-our-financial-goals-followed-our-family/" rel="nofollow" target="_blank"> How Our Financial Goals Followed Our Family</a></li> <li><a href="http://couplemoney.com/book-reviews/whats-your-one-page-financial-plan/" rel="nofollow" target="_blank"> What’s Your One Page Financial Plan?</a></li> </ul> Handy Tools to Save More Money Here are a few of my favorite tools that make saving money much easier! <ul> <li>Money Tracking and Budgets: <a href="https://couplemoney.com/PersonalCapital" rel="nofollow" target="_blank">Personal Capital,</a> <a href="https://couplemoney.com/mint" rel="nofollow" target="_blank">Mint</a>, and <a href="https://couplemoney.com/Tiller" rel="nofollow" target="_blank">Tiller</a> are fantastic options</li> <li><a href="https://couplemoney.com/qapital" rel="nofollow" target="_blank">Qapital:</a> Free tool that makes saving automatic and fun</li> <li><a href="https://couplemoney.com/ibotta" rel="nofollow" target="_blank">iBotta:</a> Redeem cash while shopping</li> <li><a href="https://camelcamelcamel.com/" rel="nofollow" target="_blank">Camel, Camel, Camel: </a>Free Amazon price tracker</li> <li><a href="https://www.joinhoney.com/" rel="nofollow" target="_blank">Honey</a>: Free browser extension that searches for coupon codes for you during check out</li> <li><a href="https://couplemoney.com/paribus" rel="nofollow" target="_blank">Paribus:</a> Checks for price drops and works to get you a refund</li> </ul> Jumpstart Your Marriage and Money Course Want to give your marriage and bank account a boost? Pick up <a href="http://marriageandmoney.teachable.com/" rel="nofollow" target="_blank">Jumpstart Your Marriage and Money course</a>. Jumpstart focuses on the big wins including earning more. Get LIFETIME access to a four-week course design to help you: <ul> <li>Stop fighting about money and create a budget that you BOTH LOVE</li> <li>Automate your money</li> <li>Pay off your debt faster Plus more!</li> </ul> You can <a href="https://couplemoney.com/jumpstart" rel="nofollow" target="_blank">get lifetime access here. </a> Music Credit Like the music in this episode? Our theme song is by <a href="https://www.youtube.com/user/gentleregime" rel="nofollow" target="_blank">Gentle Regime</a>. Additional music by Lee Rosevere and Logan from <a href="https://musicformakers.com/" rel="nofollow" target="_blank">Music for Makers</a> in this episode.

How to Save for Your Biggest Goals Together

Does your food bill blow your budget? Today you'll learn how to master meal planning to save you a ton of time and money!  How to Save with Meal Planning One of the biggest bills couples have - especially busy ones - is their food. Between eating out and buying food for the family, there doesn't seem to be enough money to cover everything.  We discussed saving money when eating out a few episodes ago. Now we're looking at the other side -mastering your groceries and meals at home. I asked my buddy Jen Smith to come on board. She's the creator of Saving with Spunk and the author of the new book Meal Planning on a Budget. In this episode we discuss:  how meal planning doesn't mean leftover every night the magic of slow cookers how seasonal and sales eating is lower your bills and be better health wise  Hope you enjoy! Resources to Save Money While Eating Well Want to cut your spending on food without sacrificing quality? Here are some resources to check out.  Grocery Price Books: Slash Your Food Bill and Save Time!  Easy and Smart Ways to Eat Well and Cut Your Food Bill  Kill your $1,000 Grocery Bill Frugal Friends Podcast   Jumpstart Your Marriage and Money Course Want to give your marriage and bank account a boost? Pick up Jumpstart Your Marriage and Money course. Jumpstart focuses on the big wins including earning more. Get LIFETIME access to a four-week course design to help you:  Stop fighting about money and create a budget that you BOTH LOVE Automate your money Pay off your debt faster Plus more!  You can get lifetime access here.  Music Credit Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere and Logan from Music for Makers in this episode.

Does your food bill blow your budget? Today you'll learn how to master meal planning to save you a ton of time and money!  How to Save with Meal Planning One of the biggest bills couples have - especially busy ones - is their food. Between eating out and buying food for the family, there doesn't seem to be enough money to cover everything.  We discussed saving money when eating out a few episodes ago. Now we're looking at the other side -mastering your groceries and meals at home. I asked my buddy Jen Smith to come on board. She's the creator of <a href="https://www.savingwithspunk.com" rel="nofollow" target="_blank">Saving with Spunk</a> and the author of the new book <a href="https://couplemoney.com/mealplanbook" rel="nofollow" target="_blank">Meal Planning on a Budget</a>. In this episode we discuss: <ul> <li>how meal planning doesn't mean leftover every night</li> <li>the magic of slow cookers</li> <li>how seasonal and sales eating is lower your bills and be better health wise</li> </ul> Hope you enjoy! Resources to Save Money While Eating Well Want to cut your spending on food without sacrificing quality? Here are some resources to check out. <ul> <li><a href="http://simplifyandenjoy.com/grocery-price-book/" rel="nofollow" target="_blank">Grocery Price Books: Slash Your Food Bill and Save Time!</a></li> <li><a href="https://couplemoney.com/food-and-groceries/easy-smart-ways-eat-well-cut-food-bill/" rel="nofollow" target="_blank"> Easy and Smart Ways to Eat Well and Cut Your Food Bill</a></li> <li><a href="http://www.mrmoneymustache.com/2012/03/29/killing-your-1000-grocery-bill/" rel="nofollow" target="_blank"> Kill your $1,000 Grocery Bill</a></li> <li><a href="https://itunes.apple.com/us/podcast/frugal-friends/id1374910857" rel="nofollow" target="_blank">Frugal Friends Podcast </a></li> </ul> Jumpstart Your Marriage and Money Course Want to give your marriage and bank account a boost? Pick up <a href="http://marriageandmoney.teachable.com/" rel="nofollow" target="_blank">Jumpstart Your Marriage and Money course</a>. Jumpstart focuses on the big wins including earning more. Get LIFETIME access to a four-week course design to help you: <ul> <li>Stop fighting about money and create a budget that you BOTH LOVE</li> <li>Automate your money</li> <li>Pay off your debt faster Plus more!</li> </ul> You can <a href="https://couplemoney.com/jumpstart" rel="nofollow" target="_blank">get lifetime access here. </a> Music Credit Like the music in this episode? Our theme song is by <a href="https://www.youtube.com/user/gentleregime" rel="nofollow" target="_blank">Gentle Regime</a>. Additional music by Lee Rosevere and Logan from <a href="https://musicformakers.com/" rel="nofollow" target="_blank">Music for Makers</a> in this episode.

Meal Planning Essentials for Busy Couples

Money can be a huge source of stress, but it doesn’t have to be. Today I’m going to share 5 ways you can simplify your finances so you two can enjoy your marriage and money! Simplify and Reboot Your Money  How do you feel about the progress you’ve made this year with your finances? If you’re not quite happy with where you are right now, don’t panic. There’s still plenty of time to reset and reboot things with your money. Since my Dump Debt Together session aired last Monday as part of the Mamas Talk Money Summit, I have been keeping busy answering some of your questions about changing things up for the better. I’ve noticed that the biggest concern is getting the ball rolling. You’re more than welcome to dig around the site and podcast. With over 1,000 articles and 300+ episodes, we cover a lot here on Couple Money. But I know that approach can make you feel overwhelmed so today I want to wrap up this special series on the podcast with how you can get started. In this episode we’ll look at:  habits to develop that will make your finances much easier to handle key numbers to track (and which to pass on) An easy way to reboot your money  Hope you enjoy! Resources to Hit Your Money Goals If you two are looking to improve how you talk and work together with your finances (and lives), please check out these resources.  Reboot Your Money Course: Get it half off (only $10!) by using discount code PODCAST Best Budget and Money Apps: Personal Capital, Tiller, Mint, Zeta, and Honeyfi Jumpstart Your Marriage and Your Money Grow Your Stash Faster: High Yield Savings with CiT Bank Automatic Saving: Qapital Free 401(k) Analysis: blooom Why Most People Fail with Their Goals (And How You Can Win!)  If you want to discuss talking with your spouse about money, ask questions, or share your own tips please join us over at Thriving Families on Facebook. 5 Ways to Simplify Your Finances Whether you’re the spreadsheet king or queen or more the big-picture person, I think we can all agree that we want to streamline our finances so you can focus on the people and things that matter to us. You can really dive into the weeds with finances and debate the minute, but if you’re looking for big wins not only with your money but your marriage, here are 5 things you need to focus on. #1: Go on Regular Money Dates Why do I talk about money dates so much? It’s because they work! Pretty much every couple whose paid down debt, saved a significant amount, or is on the path to financial freedom does this. They may call it something else (like Andy and Nicole with their budget parties 🙂 ), but the idea is the same. Having a regular time where you’re in a relaxing and low key environment to get together to discuss your dreams and your money It can be a night out at one of your favorite restaurants or you’re just in the backyard relaxing with a glass of wine by the firepit. Wherever and however you have your money date, you want to make sure you look at the goals you’ve created together (your WHY) and then review your numbers. Knowing your budget, your monthly cash flow, and net worth is smart. If you’re not sure how to start or even begin the conversation about finances, pick up my Jumpstart Your Marriage and Your Money. I take you step by step through money dates, with conversation starters and ice breaks. I also share a 4-week plan to get you two on the same page with money. #2 Switch to a 50/30/20 Budget If the idea of making a budget makes you break out in hives, then you have to switch things up. Typically when someone is complaining about a budget, there are a few key reasons. The root of it for many is that there’s no room in the budget for what matters to you. It’s so strict, you can’t any fun with things. And while that might look like a good idea on paper – you think you’re going to get out of debt faster or hit your goal sooner – it’s usually an exercise in frustration. Sustainable is the way to go and for most couples, it’s a process and one of the best budgets to get you started on that path is the 50/30/20. As you probably figured out, your money (net income in this case) goes into one of three ‘buckets’ of expenses.  50% Essentials: This covers your ‘needs’ like rent/mortgage, food, utilities, and necessary transportation. 20% Financial Priorities: This money is allocated for your future such as investing for retirement and taking care of important money goals now like having an emergency fund and paying off your debt. 30% Wants: These are your lifestyle choices. What do you two enjoy?  #3: Automate Your Budget A simple trick that’s helped us is scheduling the bills to come out 48 hours after the deposits gone in. You can use track your progress with apps and options such as:  Personal Capital – If you have a ton of accounts between you, this makes it easy to sort them out. Tiller – Love how easily you can customize it based on your unique budget. Zeta – Created for couples, by couples, Zeta is designed around how you two want to share your accounts. Honeyfi – One of the first on the couple money app scene and very focused on getting you to share goals. Mint – If you’re looking to get a handle on your budget, Mint is a very visual way to see what’s happening.  Don’t forget that along with bills, you want to automate things like your debt snowball or if savings if that’s your goal. #4: Only Use Cash When Eating Out Chances are eating out is a big expense with your monthly budget. Those quick lunches with coworkers seem small, but those constant convenient and on the go meals typically add up to more than you estimated. Something that I’ve seen that’s helped me curb my spending is using cash. There are families that like to use cash for multiple expenses and they stash them into different envelopes to track things down, but for me, that was too much work. I’ve found that just using cash for lunches keeps me aware of what I‘m spending and minimizes me breaking the budget. #5: Develop Laser Focus on Your Goals Don’t try to work on all your expenses across the board. You can burn out quickly trying to slash multiple expenses at once. I think one reason systems like Dave Ramsey’s baby steps are so effective is that they have you laster focus in on one step or goal at a time. You begin with a starter emergency fund, then it’s all in with paying down debt, then you can fully fund your savings, and so on. While you don’t have to be as gazelle intense as some people are – it can actually backfire with getting your spouse on board – having a priority can be powerful. Want to optimize your spending? Try monthly challenges with one thing. Give the cash envelope a go next month. I want you to build better habits, not go for quick wins that get undone by the next month. If you’re pressed for time, there are options like Trim that can save you money by canceling subscriptions, finding deals with insurance, or negotiating with your cable bill. Just focus on one thing at a time each month and by the end of the year, you’ll have some big wins. Support the Podcast! Thank you so much for listening to the podcast!  Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!  Music Credit Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere 

Money can be a huge source of stress, but it doesn’t have to be. Today I’m going to share 5 ways you can simplify your finances so you two can enjoy your marriage and money! Simplify and Reboot Your Money How do you feel about the progress you’ve made this year with your finances? If you’re not quite happy with where you are right now, don’t panic. There’s still plenty of time to reset and reboot things with your money. Since my Dump Debt Together session aired last Monday as part of the Mamas Talk Money Summit, I have been keeping busy answering some of your questions about changing things up for the better. I’ve noticed that the biggest concern is getting the ball rolling. You’re more than welcome to dig around the site and podcast. With over 1,000 articles and 300+ episodes, we cover a lot here on Couple Money. But I know that approach can make you feel overwhelmed so today I want to wrap up this special series on the podcast with how you can get started. In this episode we’ll look at: <ul> <li>habits to develop that will make your finances much easier to handle</li> <li>key numbers to track (and which to pass on)</li> <li>An easy way to reboot your money</li> </ul> Hope you enjoy! Resources to Hit Your Money Goals If you two are looking to improve how you talk and work together with your finances (and lives), please check out these resources. <ul> <li><a href="https://couplemoney.com/reboot" rel="nofollow" target="_blank">Reboot Your Money Course</a>: Get it half off (only $10!) by using discount code PODCAST</li> <li>Best Budget and Money Apps: <a href="https://couplemoney.com/PersonalCapital" rel="nofollow" target="_blank">Personal Capital</a>, <a href="https://couplemoney.com/tiller" rel="nofollow" target="_blank">Tiller</a>, <a href="https://couplemoney.com/mint" rel="nofollow" target="_blank">Mint</a>, <a href="https://www.askzeta.com/a/couplemoney" rel="nofollow" target="_blank">Zeta</a>, and <a href="https://couplemoney.com/honeyfi" rel="nofollow" target="_blank">Honeyfi</a></li> <li><a href="https://couplemoney.com/book" rel="nofollow" target="_blank">Jumpstart Your Marriage and Your Money</a></li> <li>Grow Your Stash Faster: <a href="https://couplemoney.com/CITsavings" rel="nofollow" target="_blank">High Yield Savings with CiT Bank</a></li> <li>Automatic Saving: <a href="https://couplemoney.com/qapital" rel="nofollow" target="_blank">Qapital</a></li> <li>Free 401(k) Analysis:<a href="https://couplemoney.com/blooom" rel="nofollow" target="_blank"> blooom</a></li> <li><a href="https://couplemoney.com/goals/why-most-people-fail-money-goals/" rel="nofollow" target="_blank">Why Most People Fail with Their Goals (And How You Can Win!)</a></li> </ul> If you want to discuss talking with your spouse about money, ask questions, or share your own tips please <a href="https://couplemoney.com/thrivingFamilies" rel="nofollow" target="_blank">join us over at Thriving Families</a> on Facebook. 5 Ways to Simplify Your Finances Whether you’re the spreadsheet king or queen or more the big-picture person, I think we can all agree that we want to streamline our finances so you can focus on the people and things that matter to us. You can really dive into the weeds with finances and debate the minute, but if you’re looking for big wins not only with your money but your marriage, here are 5 things you need to focus on. #1: Go on Regular Money Dates Why do I talk about money dates so much? It’s because they work! Pretty much every couple whose paid down debt, saved a significant amount, or is on the path to financial freedom does this. They may call it something else (like Andy and Nicole with their budget parties 🙂 ), but the idea is the same. Having a regular time where you’re in a relaxing and low key environment to get together to discuss your dreams and your money It can be a night out at one of your favorite restaurants or you’re just in the backyard relaxing with a glass of wine by the firepit. Wherever and however you have your money date, you want to make sure you look at the goals you’ve created together (your WHY) and then review your numbers. Knowing your budget, your monthly cash flow, and net worth is smart. If you’re not sure how to start or even begin the conversation about finances, pick up my Jumpstart Your Marriage and Your Money. I take you step by step through money dates, with conversation starters and ice breaks. I also share a 4-week plan to get you two on the same page with money. #2 Switch to a 50/30/20 Budget If the idea of making a budget makes you break out in hives, then you have to switch things up. Typically when someone is complaining about a budget, there are a few key reasons. The root of it for many is that there’s no room in the budget for what matters to you. It’s so strict, you can’t any fun with things. And while that might look like a good idea on paper – you think you’re going to get out of debt faster or hit your goal sooner – it’s usually an exercise in frustration. Sustainable is the way to go and for most couples, it’s a process and one of the best budgets to get you started on that path is the 50/30/20. As you probably figured out, your money (net income in this case) goes into one of three ‘buckets’ of expenses. <ul> <li>50% Essentials: This covers your ‘needs’ like rent/mortgage, food, utilities, and necessary transportation.</li> <li>20% Financial Priorities: This money is allocated for your future such as investing for retirement and taking care of important money goals now like having an emergency fund and paying off your debt.</li> <li>30% Wants: These are your lifestyle choices. What do you two enjoy?</li> </ul> #3: Automate Your Budget A simple trick that’s helped us is scheduling the bills to come out 48 hours after the deposits gone in. You can use track your progress with apps and options such as: <ul> <li><a href="https://couplemoney.com/PersonalCapital" rel="nofollow" target="_blank">Personal Capital</a> – If you have a ton of accounts between you, this makes it easy to sort them out.</li> <li><a href="https://couplemoney.com/tiller" rel="nofollow" target="_blank">Tiller</a> – Love how easily you can customize it based on your unique budget.</li> <li><a href="https://www.askzeta.com/a/couplemoney" rel="nofollow" target="_blank">Zeta</a> – Created for couples, by couples, Zeta is designed around how you two want to share your accounts.</li> <li><a href="https://couplemoney.com/honeyfi" rel="nofollow" target="_blank">Honeyfi</a> – One of the first on the couple money app scene and very focused on getting you to share goals.</li> <li><a href="https://couplemoney.com/mint" rel="nofollow" target="_blank">Mint</a> – If you’re looking to get a handle on your budget, Mint is a very visual way to see what’s happening.</li> </ul> Don’t forget that along with bills, you want to automate things like your debt snowball or if savings if that’s your goal. #4: Only Use Cash When Eating Out Chances are eating out is a big expense with your monthly budget. Those quick lunches with coworkers seem small, but those constant convenient and on the go meals typically add up to more than you estimated. Something that I’ve seen that’s helped me curb my spending is using cash. There are families that like to use cash for multiple expenses and they stash them into different envelopes to track things down, but for me, that was too much work. I’ve found that just using cash for lunches keeps me aware of what I‘m spending and minimizes me breaking the budget. #5: Develop Laser Focus on Your Goals Don’t try to work on all your expenses across the board. You can burn out quickly trying to slash multiple expenses at once. I think one reason systems like Dave Ramsey’s baby steps are so effective is that they have you laster focus in on one step or goal at a time. You begin with a starter emergency fund, then it’s all in with paying down debt, then you can fully fund your savings, and so on. While you don’t have to be as gazelle intense as some people are – it can actually backfire with getting your spouse on board – having a priority can be powerful. Want to optimize your spending? Try monthly challenges with one thing. Give the cash envelope a go next month. I want you to build better habits, not go for quick wins that get undone by the next month. If you’re pressed for time, there are options like Trim that can save you money by canceling subscriptions, finding deals with insurance, or negotiating with your cable bill. Just focus on one thing at a time each month and by the end of the year, you’ll have some big wins. Support the Podcast! Thank you so much for listening to the podcast! <ul> <li>Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.</li> <li>Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on <a href="https://itunes.apple.com/us/podcast/couple-money-podcast-build-your-marriage-wealth-together/id924656111?mt=2" rel="nofollow" target="_blank">Apple</a> or <a href="https://www.stitcher.com/podcast/elle-martinez/couple-money-podcast" rel="nofollow" target="_blank">Stitcher</a>.</li> <li>Grab a copy of <a href="https://couplemoney.com/book" rel="nofollow" target="_blank">Jumpstart Your Marriage and Your Money</a>. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!</li> </ul> Music Credit Like the music in this episode? Our theme song is by <a href="https://www.youtube.com/user/gentleregime" rel="nofollow" target="_blank">Gentle Regime</a>. Additional music by <a href="https://leerosevere.bandcamp.com/" rel="nofollow" target="_blank">Lee Rosevere</a>

5 Easy Ways to Simplify and Reboot Your Money

Need to talk about money, but worried about starting a fight? Learn easy and stressless ways you two can have the money talk and get on the same page with your finances!    How to Talk About Money (without Starting a Fight) While it makes for good TV drama, finding out your spouse has been hiding massive debt is so not the way to start talking about money. But how do you do that – how do you start talking about money? Certified Financial Planner and NY Times best-selling author Carl Richards is on today to share some ways you can begin. In this episode we get into:  Why it’s hard for most couples to talk about money How money dates can keep things light and fun Ice breakers to get the ball rolling  Hope you enjoy! If you’d like to hear more from Carl, please listen to our first interview about creating a one-page financial plan! Resources to Help the Money Talk Go Easier If you two are ready, here are some fantastic resources to make talking about (and managing) money much less stressful!  Best Budget and Money Apps: Personal Capital, Tiller, Mint Grow Your Stash Faster: High Yield Savings with CiT Bank Automatic Saving: Qapital Jumpstart Your Marriage and Your Money  Thank You to Our Sponsor Coastal! Support for this podcast comes from Coastal Credit Union! If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today! Meet Carl Richards Carl Richards is a Certified Financial Planner™ and creator of the Sketch Guy column, appearing weekly in the New York Times since 2010. Carl has also been featured on Marketplace Money, Oprah.com, and Forbes.com. In addition, Carl has become a frequent keynote speaker at financial planning conferences and visual learning events around the world. Through his simple sketches, Carl makes complex financial concepts easy to understand. His sketches also serve as the foundation for his two books, The One-Page Financial Plan: A Simple Way to Be Smart About Your Money and The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money. Keep Takeaways for Talking About Money Before we close up I want to focus on some key takeaways I got:  Make talking about money a normal part of your conversations. Focus on the WHY before the HOW Keep it simple  If you’d like to chat more about getting on the same page with your spouse about money, please join us in our private and free FB group – Thriving Families. We’re families looking to support and help one another out. We’re over at couplemoney.com/fb Hope to see you there! Support the Podcast! Thank you so much for listening to the podcast!  Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!  Music Credit Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere.

Need to talk about money, but worried about starting a fight? Learn easy and stressless ways you two can have the money talk and get on the same page with your finances!    How to Talk About Money (without Starting a Fight) While it makes for good TV drama, finding out your spouse has been hiding massive debt is so not the way to start talking about money. But how do you do that – how do you start talking about money? Certified Financial Planner and NY Times best-selling author Carl Richards is on today to share some ways you can begin. In this episode we get into: <ul> <li>Why it’s hard for most couples to talk about money</li> <li>How money dates can keep things light and fun</li> <li>Ice breakers to get the ball rolling</li> </ul> Hope you enjoy! If you’d like to hear more from Carl, please listen to our first interview about <a href="https://couplemoney.com/podcast/get-financial-page/" rel="nofollow" target="_blank">creating a one-page financial plan</a>! Resources to Help the Money Talk Go Easier If you two are ready, here are some fantastic resources to make talking about (and managing) money much less stressful! <ul> <li>Best Budget and Money Apps: <a href="https://couplemoney.com/PersonalCapital" rel="nofollow" target="_blank">Personal Capital</a>, <a href="https://couplemoney.com/tiller" rel="nofollow" target="_blank">Tiller</a>, <a href="https://couplemoney.com/mint" rel="nofollow" target="_blank">Mint</a></li> <li>Grow Your Stash Faster: <a href="https://couplemoney.com/CITsavings" rel="nofollow" target="_blank">High Yield Savings with CiT Bank</a></li> <li>Automatic Saving: <a href="https://couplemoney.com/qapital" rel="nofollow" target="_blank">Qapital</a></li> <li><a href="https://couplemoney.com/book" rel="nofollow" target="_blank">Jumpstart Your Marriage and Your Money</a></li> </ul> Thank You to Our Sponsor Coastal! Support for this podcast comes from <a href="https://couplemoney.com/coastal" rel="nofollow" target="_blank">Coastal Credit Union</a>! If you’re living in the Raleigh Durham area and looking to bank better, come <a href="https://couplemoney.com/coastal" rel="nofollow" target="_blank">check out Coastal today</a>! Meet Carl Richards <a href="https://behaviorgap.com/pages/about" rel="nofollow" target="_blank">Carl Richards is a Certified Financial Planner</a>™ and creator of the <a href="https://www.nytimes.com/by/carl-richards" rel="nofollow" target="_blank">Sketch Guy column, appearing weekly in the New York Times</a> since 2010. Carl has also been featured on Marketplace Money, <a href="http://oprah.com/" rel="nofollow" target="_blank">Oprah.com</a>, and <a href="http://forbes.com/" rel="nofollow" target="_blank">Forbes.com</a>. In addition, Carl has become a frequent keynote speaker at financial planning conferences and visual learning events around the world. Through his simple sketches, Carl makes complex financial concepts easy to understand. His sketches also serve as the foundation for his two books, The One-Page Financial Plan: A Simple Way to Be Smart About Your Money and The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money. Keep Takeaways for Talking About Money Before we close up I want to focus on some key takeaways I got: <ul> <li>Make talking about money a normal part of your conversations.</li> <li>Focus on the WHY before the HOW</li> <li>Keep it simple</li> </ul> If you’d like to chat more about getting on the same page with your spouse about money, please join us in our private and free FB group – Thriving Families. We’re families looking to support and help one another out. We’re over at <a href="http://couplemoney.com/fb" rel="nofollow" target="_blank">couplemoney.com/fb</a> Hope to see you there! Support the Podcast! Thank you so much for listening to the podcast! <ul> <li>Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.</li> <li>Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on <a href="https://itunes.apple.com/us/podcast/couple-money-podcast-build-your-marriage-wealth-together/id924656111?mt=2" rel="nofollow" target="_blank">Apple</a> or <a href="https://www.stitcher.com/podcast/elle-martinez/couple-money-podcast" rel="nofollow" target="_blank">Stitcher</a>.</li> <li>Grab a copy of <a href="https://couplemoney.com/book" rel="nofollow" target="_blank">Jumpstart Your Marriage and Your Money</a>. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!</li> </ul> Music Credit Like the music in this episode? Our theme song is by <a href="https://www.youtube.com/user/gentleregime" rel="nofollow" target="_blank">Gentle Regime</a>. Additional music by <a href="https://leerosevere.bandcamp.com/" rel="nofollow" target="_blank">Lee Rosevere</a>.

How to Talk to Your Spouse About Money

One of the top three financial goals people have is getting out of debt, but few actually knock it out. Today we’re diving into key money systems couples have used to become debt-free! Best Strategies for Couples to Dump Debt Faster How are you doing?! I hope you’re having a wonderful week. We’re back. New Year, a new season of the podcast. I want to start off by saying thank you. Your support has been incredible and because of it, we’re here for season 10! When I started the site Couple Money and even the podcast a few years, my goal was pretty simple. Help couples not only get their finances in a good spot but find a way for money to be a way to work together instead of being a source of stress. Whether you’re paying down debt, saving for a dream, or going down the path of financial independence, the main focus is doing it as a team. We’ll definitely be covering that this season again, but there’s another issue I’ve been seeing that has added a layer of unnecessary stress when it comes to finances. As I look at my newsfeed on my phone or catch some stories that get picked up, I just see this trend of HUGE stories. Debt-free stories where the couples have paid massive amounts of debt – six-figures- in a crazy short amount of time. Couples who have saved 60%, 70% of their income in a year. These are incredible stories and I’ve found them at times to be motivating and challenging us to look at how we spend money. I’ve even had a few of them on the podcast. However, when these are the stories that get picked up again, and again, you kind of get a bit fatigued and when the headlines only tell part of the story – like the fact they were making incredible amounts of money, then you can feel discouraged. Add on that many of these stories don’t talk about that key step – aligning your goals and getting on the same page. If you’re not there, then you almost can feel like throwing up your arms and just giving up. I don’t want to give up. I would love for you to tackle those big goals, but more importantly, I want you two to feel comfortable and excited about the plan you two carved out for yourselves. How? By acknowledging while there are certain financial principles that are incredibly helpful, we all have different approaches to how we tackle our goals. Today we’re going to do that with one of the most common goals families have with their finances – paying off their debts. Today I want to share some guests we’ve had on the show who have become debt-free, but had different amounts and time tables. In this episode we’re looking at:  The step by step process of how to set up a system to pay off your debt faster Some of the most common hangups couples have with becoming debt-free Tools and apps to make it easier  Let’s get started! If you’re looking for some more inspiration, tactics, and encouragement about becoming debt-free together, please check out my interview with Chris Browning. Resources to Pay Off a Mountain of Debt If you two are ready to pay off your debt, here are some handy resources to check out:  Best Budget and Money Apps: Personal Capital, Tiller, Mint, Zeta Free 5 Days to $5K Course Jumpstart Your Marriage and Your Money Total Money Makeover  Free Debt Snowball Template  What’s Your One Page Financial Plan? Debt Discipline Debt Free Divas Well Kept Wallet Trim: You can free up money in your budget by having Trim cancel your unnecessary subscriptions and negotiate your bills.  How to Sync Up with Money Dates  Thank You to Our Sponsor Coastal!  Support for this podcast comes from Coastal Credit Union. If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today! We’ve been Coastal members for a few years have been happy with their services. They want to help you achieve your biggest goals faster and as a team! Your Debt-Free Plan And if you want to discuss this more – ask questions, swap ideas, and maybe get a debt-free strategy set up – don’t forget to join us in the Thriving Families group on Facebook. Our goal is to help one another out. Hope to see you there! Support the Podcast! Thank you so much for listening to the podcast!  Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!  Music Credit Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere.

One of the top three financial goals people have is getting out of debt, but few actually knock it out. Today we’re diving into key money systems couples have used to become debt-free! Best Strategies for Couples to Dump Debt Faster How are you doing?! I hope you’re having a wonderful week. We’re back. New Year, a new season of the podcast. I want to start off by saying thank you. Your support has been incredible and because of it, we’re here for season 10! When I started the site Couple Money and even the podcast a few years, my goal was pretty simple. Help couples not only get their finances in a good spot but find a way for money to be a way to work together instead of being a source of stress. Whether you’re paying down debt, saving for a dream, or going down the path of financial independence, the main focus is doing it as a team. We’ll definitely be covering that this season again, but there’s another issue I’ve been seeing that has added a layer of unnecessary stress when it comes to finances. As I look at my newsfeed on my phone or catch some stories that get picked up, I just see this trend of HUGE stories. Debt-free stories where the couples have paid massive amounts of debt – six-figures- in a crazy short amount of time. Couples who have saved 60%, 70% of their income in a year. These are incredible stories and I’ve found them at times to be motivating and challenging us to look at how we spend money. I’ve even had a few of them on the podcast. However, when these are the stories that get picked up again, and again, you kind of get a bit fatigued and when the headlines only tell part of the story – like the fact they were making incredible amounts of money, then you can feel discouraged. Add on that many of these stories don’t talk about that key step – <a href="http://we%20aren%27t%20on%20the%20same%20page%20with%20money/" rel="nofollow" target="_blank">aligning your goals</a> and <a href="https://couplemoney.com/family-and-finances/build-marriage-wealth-money-dates/" rel="nofollow" target="_blank">getting on the same page</a>. If you’re not there, then you almost can feel like throwing up your arms and just giving up. I don’t want to give up. I would love for you to tackle those big goals, but more importantly, I want you two to feel comfortable and excited about the plan you two carved out for yourselves. How? By acknowledging while there are certain financial principles that are incredibly helpful, we all have different approaches to how we tackle our goals. Today we’re going to do that with one of the most common goals families have with their finances – <a href="https://couplemoney.com/debt-reduction/" rel="nofollow" target="_blank">paying off their debts</a>. Today I want to share some guests we’ve had on the show who have become debt-free, but had different amounts and time tables. In this episode we’re looking at: <ul> <li>The step by step process of how to set up a system to pay off your debt faster</li> <li>Some of the most common hangups couples have with becoming debt-free</li> <li>Tools and apps to make it easier</li> </ul> Let’s get started! If you’re looking for some more inspiration, tactics, and encouragement about becoming debt-free together, please check out my interview with <a href="https://couplemoney.com/debt-reduction/how-to-get-out-of-your-rut-to-dump-debt-and-save/" rel="nofollow" target="_blank">Chris Browning</a>. Resources to Pay Off a Mountain of Debt If you two are ready to pay off your debt, here are some handy resources to check out: <ul> <li>Best Budget and Money Apps: <a href="https://couplemoney.com/PersonalCapital" rel="nofollow" target="_blank">Personal Capital</a>, <a href="https://couplemoney.com/tiller" rel="nofollow" target="_blank">Tiller</a>, <a href="https://couplemoney.com/mint" rel="nofollow" target="_blank">Mint</a>, <a href="https://www.askzeta.com/a/couplemoney" rel="nofollow" target="_blank">Zeta</a></li> <li><a href="https://couplemoney.com/5k" rel="nofollow" target="_blank">Free 5 Days to $5K Course</a></li> <li><a href="https://couplemoney.com/book" rel="nofollow" target="_blank">Jumpstart Your Marriage and Your Money</a></li> <li><a href="https://couplemoney.com/totalmoneyMakeover" rel="nofollow" target="_blank">Total Money Makeover</a></li> <li><a href="http://www.vertex42.com/Calculators/debt-reduction-calculator.html" rel="nofollow" target="_blank"> Free Debt Snowball Template</a></li> <li><a href="http://couplemoney.com/book-reviews/whats-your-one-page-financial-plan/" rel="nofollow" target="_blank"> What’s Your One Page Financial Plan?</a></li> <li><a href="https://www.debtdiscipline.com/" rel="nofollow" target="_blank">Debt Discipline</a></li> <li><a href="http://debtfreedivas.org/" rel="nofollow" target="_blank">Debt Free Divas</a></li> <li><a href="https://wellkeptwallet.com/" rel="nofollow" target="_blank">Well Kept Wallet</a></li> <li><a href="https://couplemoney.com/Trim" rel="nofollow" target="_blank">Trim:</a> You can free up money in your budget by having Trim cancel your unnecessary subscriptions and negotiate your bills.</li> <li><a href="https://couplemoney.com/family-and-finances/build-marriage-wealth-money-dates/" rel="nofollow" target="_blank"> How to Sync Up with Money Dates</a></li> </ul> Thank You to Our Sponsor Coastal! <a href="https://couplemoney.com/bankbetter" rel="nofollow" target="_blank"></a> Support for this podcast comes from <a href="https://couplemoney.com/bankbetter" rel="nofollow" target="_blank">Coastal Credit Union</a>. If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today! We’ve been Coastal members for a few years have been happy with their services. They want to help you <a href="https://www.coastal24.com/Plan/Resources/Goals" rel="nofollow" target="_blank">achieve your biggest goals</a> faster and as a team! Your Debt-Free Plan And if you want to discuss this more – ask questions, swap ideas, and maybe get a debt-free strategy set up – don’t forget to join us in the <a href="https://couplemoney.com/thrivingFamilies" rel="nofollow" target="_blank">Thriving Families group on Facebook</a>. Our goal is to help one another out. Hope to see you there! Support the Podcast! Thank you so much for listening to the podcast! <ul> <li>Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.</li> <li>Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on <a href="https://itunes.apple.com/us/podcast/couple-money-podcast-build-your-marriage-wealth-together/id924656111?mt=2" rel="nofollow" target="_blank">Apple</a> or <a href="https://www.stitcher.com/podcast/elle-martinez/couple-money-podcast" rel="nofollow" target="_blank">Stitcher</a>.</li> <li>Grab a copy of <a href="https://couplemoney.com/book" rel="nofollow" target="_blank">Jumpstart Your Marriage and Your Money</a>. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!</li> </ul> Music Credit Like the music in this episode? Our theme song is by <a href="https://www.youtube.com/user/gentleregime" rel="nofollow" target="_blank">Gentle Regime</a>. Additional music by <a href="https://leerosevere.bandcamp.com/" rel="nofollow" target="_blank">Lee Rosevere</a>.

How to Get Out of Debt This Year as a Couple

Want to be completely debt free, including your house? Find out the key changes one couple made to pay off their mortgage in less than 5 years!  Pay Your Mortgage Off Faster What would you do if you owed your home free and clear like Andy does now? With no mortgage payment what options would open up? There's a good chance you'd love to get rid of your mortgage, but the idea of getting rid of such a huge amount makes it seem impossible. Forget paying it off in 5 years, you may struggle to even see a way to reduce it in half. Right now  median purchase price of a home here in the United States is $235,000, with 10% down. Now if you  live in D.C. you're looking at $400,000 with my buddies in Cali close behind at around $350,000. Not cheap. Probably the biggest purchase you'll make. Which is why I asked my buddy and Marriage, Kids, and Money creator, Andy Hill, to come on. He's an awesome guy, really excited to get couples closer to their debt free goals. We both know that not everyone can replicate what Andy and his wife Nicole did - we all have different circumstances - but there's a lot to their process that could make all the difference with you and your home. In this episode, we discuss:  why they were adamant about knocking out their mortgage so fast steps that were crucial to paying off their mortgage tools to help you be debt free faster  Hope you enjoy! Resources to Dump Your Mortgage Faster If you’re looking to dig in deeper for ways to pay your mortgage off faster, here are some resources to check out:  Mortgage Payoff Calculator Paying Your Mortgage Off Early  Paying Off The Mortgage Wasn’t Our First Priority (but we did it anyway)  5 Reasons to Choose a 15-Year Mortgage  And if you two are looking of more ideas on how to find, save, and make extra cash to pay down or debt or use for whatever gal you have, please sign up for my free 5 Days to $5K course. It's a week-long special email series that will help you get some extra money in. Thank You to Our Partners Support for this podcast comes from partners like Personal Capital. Easy to set up &amp; easy to use. You can have all your investments, income, and expenses all pulled into one place. Easy to set up &amp; easy to use. You can have all your investments, income, and expenses all pulled into one place. Did I mention it’s free? Why don’t you give Personal Capital a try today? Music Credit Like the music in this episode? Our theme song is by Gentle Regime. I also want to thank Lee Rosevere for music in this episode.

Want to be completely debt free, including your house? Find out the key changes one couple made to pay off their mortgage in less than 5 years!  Pay Your Mortgage Off Faster What would you do if you owed your home free and clear like Andy does now? With no mortgage payment what options would open up? There's a good chance you'd love to get rid of your mortgage, but the idea of getting rid of such a huge amount makes it seem impossible. Forget paying it off in 5 years, you may struggle to even see a way to reduce it in half. Right now <a href="https://www.thebalance.com/average-monthly-mortgage-payment-4154282" rel="nofollow" target="_blank"> median purchase price of a home here in the United States is $235,000, with 10% down</a>. Now if you <a href="https://www.experian.com/blogs/ask-experian/how-much-americans-owe-on-their-mortgages-in-every-state/" rel="nofollow" target="_blank"> live in D.C. you're looking at $400,000 with my buddies in Cali close behind at around $350,000</a>. Not cheap. Probably the biggest purchase you'll make. Which is why I asked my buddy and <a href="http://www.marriagekidsandmoney.com" rel="nofollow" target="_blank">Marriage, Kids, and Money</a> creator, Andy Hill, to come on. He's an awesome guy, really excited to get couples closer to their debt free goals. We both know that not everyone can replicate what Andy and his wife Nicole did - we all have different circumstances - but there's a lot to their process that could make all the difference with you and your home. In this episode, we discuss: <ul> <li>why they were adamant about knocking out their mortgage so fast</li> <li>steps that were crucial to paying off their mortgage</li> <li>tools to help you be debt free faster</li> </ul> Hope you enjoy! Resources to Dump Your Mortgage Faster If you’re looking to dig in deeper for ways to pay your mortgage off faster, here are some resources to check out: <ul> <li><a href="https://www.daveramsey.com/blog/mortgage-calculator/" rel="nofollow" target="_blank">Mortgage Payoff Calculator</a></li> <li><a href="https://couplemoney.com/mortgages/paying-off-your-house-early/" rel="nofollow" target="_blank">Paying Your Mortgage Off Early</a></li> <li><a href="http://www.enemyofdebt.com/paying-off-the-house-wasnt-our-1-priority-but-we-did-it-anyway/" rel="nofollow" target="_blank"> Paying Off The Mortgage Wasn’t Our First Priority (but we did it anyway)</a></li> <li><a href="http://www.marriagekidsandmoney.com/5-reasons-to-choose-a-15-year-mortgage/" rel="nofollow" target="_blank"> 5 Reasons to Choose a 15-Year Mortgage</a></li> </ul> And if you two are looking of more ideas on how to find, save, and make extra cash to pay down or debt or use for whatever gal you have, please sign up for my <a href="http://couplemoney.com/5k" rel="nofollow" target="_blank">free 5 Days to $5K course</a>. It's a week-long special email series that will help you get some extra money in. Thank You to Our Partners Support for this podcast comes from partners like Personal Capital. Easy to set up &amp; easy to use. You can have all your investments, income, and expenses all pulled into one place. Easy to set up &amp; easy to use. You can have all your investments, income, and expenses all pulled into one place. Did I mention it’s free? Why don’t you<a href="http://couplemoneypodcast.com/pc" rel="nofollow" target="_blank"> give Personal Capital a try today</a>? Music Credit Like the music in this episode? Our theme song is by <a href="https://www.youtube.com/user/gentleregime" rel="nofollow" target="_blank">Gentle Regime</a>. I also want to thank <a href="http://freemusicarchive.org/music/Lee_Rosevere/Music_For_Podcasts/" rel="nofollow" target="_blank">Lee Rosevere</a> for music in this episode.

5 Key Ways to Pay Your Mortgage Off Faster

With money fights being the main cause of divorce, many couples could use some financial therapy. Learn habits and techniques you can use to make money talks less stressful and more productive! Is Financial Therapy Right for You?  Money problems are usually symptoms of a much deeper issue. It can be within our relationship - how we communicate or it can an issue we ourselves have like anxiety or depression. From our personal experience and hearing from other couples, it can be more common than you think. And that matters because if you don't get to the root, it can keep popping up. And in some cases cause damage. Financial education is crucial, but sometimes you need to a specialist. I'm not a therapist, but I do know one and she's here to help. Kine Corder is here on the podcast to cover some problems and bumps couples experience when dealing with money. In this episode, we get into:  common issues couples have when they come to her for financial therapy ways to communicate better so things are less stressful with your relationship and money habits to help you two move forward  Hope you enjoy!  Resources to Get on the Same Page with Money Learning how to work as a team isn't automatic. Here are resources to give you the tools to stop fighting about money and win.    Top Sites and Podcasts for Marriage and Money Prosperity Report: Love and Money Podcast   How to Shift Your Money Mindset and Finally Knock Out Your Goals Together  Build Your Marriage &amp; Wealth with Money Dates  3 Habits to Grow Your Wealth and Strengthen Your Marriage  How to Connect and Develop Financial Intimacy in Your Marriage  Jumpstart Your Marriage and Money Course Want to give your marriage and bank account a boost? Pick up Jumpstart Your Marriage and Money course. Jumpstart focuses on the big wins including earning more. Get LIFETIME access to a four-week course design to help you:  Stop fighting about money and create a budget that you BOTH LOVE Automate your money Pay off your debt faster Plus more!  You can get lifetime access here! Music Credit Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere and Logan from Music for Makers in this episode.

With money fights being the main cause of divorce, many couples could use some financial therapy. Learn habits and techniques you can use to make money talks less stressful and more productive! Is Financial Therapy Right for You?  Money problems are usually symptoms of a much deeper issue. It can be within our relationship - how we communicate or it can an issue we ourselves have like anxiety or depression. From our personal experience and hearing from other couples, it can be more common than you think. And that matters because if you don't get to the root, it can keep popping up. And in some cases cause damage. Financial education is crucial, but sometimes you need to a specialist. I'm not a therapist, but I do know one and she's here to help. <a href="http://kinecorder.com" rel="nofollow" target="_blank">Kine Corder</a> is here on the podcast to cover some problems and bumps couples experience when dealing with money. In this episode, we get into: <ul> <li>common issues couples have when they come to her for financial therapy</li> <li>ways to communicate better so things are less stressful with your relationship and money</li> <li>habits to help you two move forward</li> </ul> Hope you enjoy!  Resources to Get on the Same Page with Money Learning how to work as a team isn't automatic. Here are resources to give you the tools to stop fighting about money and win.  <ul> <li><a href="http://couplemoneypodcast.com/best-marriage-and-money-podcasts-sites/" rel="nofollow" target="_blank"> Top Sites and Podcasts for Marriage and Money</a></li> <li><a href="http://kinecorder.com/podcast/" rel="nofollow" target="_blank">Prosperity Report: Love and Money Podcast </a></li> <li><a href="https://couplemoney.com/psychology/shift-money-mindset-finally-knock-goals-together/" rel="nofollow" target="_blank"> How to Shift Your Money Mindset and Finally Knock Out Your Goals Together</a></li> <li><a href="https://couplemoney.com/family-and-finances/build-marriage-wealth-money-dates/" rel="nofollow" target="_blank"> Build Your Marriage &amp; Wealth with Money Dates</a></li> <li><a href="https://couplemoney.com/marriage-and-money-tips/3-habits-to-grow-your-wealth-and-strengthen-your-marriage/" rel="nofollow" target="_blank"> 3 Habits to Grow Your Wealth and Strengthen Your Marriage</a></li> <li><a href="https://couplemoney.com/podcast/one-extraordinary-marriage-financial-intimacy/" rel="nofollow" target="_blank"> How to Connect and Develop Financial Intimacy in Your Marriage</a></li> </ul> Jumpstart Your Marriage and Money Course Want to give your marriage and bank account a boost? Pick up <a href="http://marriageandmoney.teachable.com/" rel="nofollow" target="_blank">Jumpstart Your Marriage and Money course</a>. Jumpstart focuses on the big wins including earning more. Get LIFETIME access to a four-week course design to help you: <ul> <li>Stop fighting about money and create a budget that you BOTH LOVE</li> <li>Automate your money</li> <li>Pay off your debt faster Plus more!</li> </ul> You can <a href="https://couplemoney.com/jumpstart" rel="nofollow" target="_blank">get lifetime access here!</a> Music Credit Like the music in this episode? Our theme song is by <a href="https://www.youtube.com/user/gentleregime" rel="nofollow" target="_blank">Gentle Regime</a>. Additional music by <a href="https://leerosevere.bandcamp.com/" rel="nofollow" target="_blank">Lee Rosevere</a> and Logan from <a href="https://musicformakers.com/" rel="nofollow" target="_blank">Music for Makers</a> in this episode.

How to Fix Your Relationship and Money with Financial Therapy

Want to stop living paycheck to paycheck, but not sure where to start? Learn how to create a budget together so you can have fun now and some savings later!  Create a Budget You Both Love How do you feel about your budget? Be honest. Chances are you're not exactly thrilled about it. A survey conducted by  Experian found that nearly half – 42% to be exact – don’t use one because they feel like they're ineffective and unnecessary. So how do you create a budget that you both love?   Peter Polson from Tiller, one of the coolest money apps out there, is joining me today to offer some fantastic suggestions and ideas. In this episode we'll discuss:  how a budget can fit into your life and grow with you through your marriage how to fit your personal hobbies into your budget why there is no one size fits all budget  Hope you enjoy! Resources to Budget Together Do you two want to get on the same page with budgets? Here are some helpful resources mentioned in the episode and more.  Jumpstart Your Marriage and Your Money The Total Money Makeover Real Life on a Budget: 17 Practical Challenges to Live and Thrive on a Budget How to Successfully Budget as a Couple  Track These 2 Key Numbers to Master Your Money  Six Tips for Newlyweds to Manage Finances  Budget Templates to Try Out  The Net Worth Tracker Spreadsheet  The Weekly Expense Tracker  Thank You to Our Partners Support for this podcast comes from partners like Personal Capital. Easy to set up &amp; easy to use. You can have all your investments, income, and expenses all pulled into one place. Did I mention it’s free? Why don’t you give Personal Capital a try today?

Want to stop living paycheck to paycheck, but not sure where to start? Learn how to create a budget together so you can have fun now and some savings later!  Create a Budget You Both Love How do you feel about your budget? Be honest. Chances are you're not exactly thrilled about it. A survey conducted by <a href="https://www.experian.com/blogs/ask-experian/survey-results-personal-finance/" rel="nofollow" target="_blank"> Experian found that nearly half – 42% to be exact</a> – don’t use one because they feel like they're ineffective and unnecessary. So how do you create a budget that you both love?   Peter Polson from <a href="https://couplemoney.com/Tiller" rel="nofollow" target="_blank">Tiller</a>, one of the coolest money apps out there, is joining me today to offer some fantastic suggestions and ideas. In this episode we'll discuss: <ul> <li>how a budget can fit into your life and grow with you through your marriage</li> <li>how to fit your personal hobbies into your budget</li> <li>why there is no one size fits all budget</li> </ul> Hope you enjoy! Resources to Budget Together Do you two want to get on the same page with budgets? Here are some helpful resources mentioned in the episode and more. <ul> <li><a href="https://couplemoney.com/book" rel="nofollow" target="_blank">Jumpstart Your Marriage and Your Money</a></li> <li><a href="https://www.amazon.com/gp/product/1595555277/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=1595555277&amp;linkCode=as2&amp;tag=couplemoney-20&amp;linkId=f0bf04b98a547cc07a108b946ce6e84f" rel="noopener nofollow" target="_blank">The Total Money Makeover</a></li> <li><a href="https://www.amazon.com/gp/product/1512163651/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=1512163651&amp;linkCode=as2&amp;tag=couplemoney-20&amp;linkId=1a706f6969061fad2de09aeee119663f" rel="noopener nofollow" target="_blank">Real Life on a Budget: 17 Practical Challenges to Live and Thrive on a Budget</a></li> <li><a href="https://couplemoney.com/podcast/successfully-budget-couple/" rel="nofollow" target="_blank">How to Successfully Budget as a Couple</a></li> <li><a href="https://couplemoney.com/marriage-and-money-tips/track-net-worth-monthly-cash-flow/" rel="nofollow" target="_blank"> Track These 2 Key Numbers to Master Your Money</a></li> <li><a href="https://couplemoney.com/budgeting/six-tips-for-newlyweds-to-manage-finances/" rel="nofollow" target="_blank"> Six Tips for Newlyweds to Manage Finances</a></li> </ul> Budget Templates to Try Out <ul> <li><a href="https://www.tillerhq.com/welcome/net-worth-tracker" rel="nofollow" target="_blank">The Net Worth Tracker Spreadsheet</a></li> <li><a href="https://www.tillerhq.com/welcome/tiller-expense-tracker-spreadsheet-template/" rel="nofollow" target="_blank"> The Weekly Expense Tracker</a></li> </ul> Thank You to Our Partners Support for this podcast comes from partners like Personal Capital. Easy to set up &amp; easy to use. You can have all your investments, income, and expenses all pulled into one place. Did I mention it’s free? Why don’t you<a href="http://couplemoneypodcast.com/pc" rel="nofollow" target="_blank"> give Personal Capital a try today</a>?

How to Budget Together for Savings and Fun

Can you really have big wins from changing tiny, but key habits? Learn the critical key steps Chris Reining took to retire at 37! Big Wins Through Tiny Habits    Going for the big wins is smart. Too many times, though, those big wins mean big changes and for most, it's enough not to move. But what if I told you there are certain tiny changes that can have a huge impact? Today's guest Chris Reining has made those tiny habits stick and he's been able to retire at 37! In this episode, we get into  what pushed him to change his habits how he was able to slash his expenses without feeling he was missing out his system to build wealth  You can connect with Chris on his site. Don't forget to grab his free investment guide. Hope you enjoy! Early Retirement Links and Resource If you want to learn more about early retirement, here are some resources to check out:  Best Budget and Money Apps: Personal Capital, Tiller, Mint Jumpstart Your Marriage and Your Money The One Tiny Habit That Leads to Wealth  Why We Don’t Micromanage Our Money Financial Independence and Parenthood The Joy That Comes When Less Is Enough  The Shockingly Simple Math Behind Early Retirement How To Be Frugal: One Month At A Time The New Parents’ Guide to Financial Independence 

Can you really have big wins from changing tiny, but key habits? Learn the critical key steps Chris Reining took to retire at 37! Big Wins Through Tiny Habits Going for the big wins is smart. Too many times, though, those big wins mean big changes and for most, it's enough not to move. But what if I told you there are certain tiny changes that can have a huge impact? Today's guest Chris Reining has made those tiny habits stick and he's been able to retire at 37! In this episode, we get into <ul> <li>what pushed him to change his habits</li> <li>how he was able t<a href="https://couplemoney.com/spending/control-spending-habits/" rel="nofollow" target="_blank">o slash his expenses</a> without feeling he was missing out</li> <li>his system to build wealth</li> </ul> You can connect with <a href="https://chrisreining.com/" rel="nofollow" target="_blank">Chris on his site</a>. Don't forget to grab his <a href="https://chrisreining.com/bundle/" rel="nofollow" target="_blank">free investment guide</a>. Hope you enjoy! Early Retirement Links and Resource If you want to learn more about early retirement, here are some resources to check out: <ul> <li>Best Budget and Money Apps: <a href="http://couplemoney.com/PersonalCapital" rel="nofollow" target="_blank">Personal Capital</a>, <a href="http://couplemoney.com/tiller" rel="nofollow" target="_blank">Tiller</a>, <a href="http://couplemoney.com/mint" rel="nofollow" target="_blank">Mint</a></li> <li><a href="http://couplemoney.com/book" rel="nofollow" target="_blank">Jumpstart Your Marriage and Your Money</a></li> <li><a href="https://chrisreining.com/tiny-habit/" rel="nofollow" target="_blank">The One Tiny Habit That Leads to Wealth</a></li> <li><a href="http://www.frugalwoods.com/2015/11/09/why-we-dont-micromanage-our-money/" rel="nofollow" target="_blank"> Why We Don’t Micromanage Our Money</a></li> <li><a href="http://couplemoneypodcast.com/financial-independence-and-parenthood/" rel="bookmark nofollow" target="_blank">Financial Independence and Parenthood</a></li> <li><a href="http://www.frugalwoods.com/2015/08/05/the-joy-that-comes-when-less-is-enough/" rel="noopener nofollow" target="_blank">The Joy That Comes When Less Is Enough</a></li> <li><a href="http://www.mrmoneymustache.com/2012/01/13/the-shockingly-simple-math-behind-early-retirement/" rel="nofollow" target="_blank"> The Shockingly Simple Math Behind Early Retirement</a></li> <li><a href="http://www.frugalwoods.com/2016/01/04/make-a-new-years-resolution-for-just-one-month/" rel="noopener nofollow" target="_blank">How To Be Frugal: One Month At A Time</a></li> <li><a href="http://momanddadmoney.com/fi-guide/" rel="bookmark nofollow" target="_blank">The New Parents’ Guide to Financial Independence</a></li> </ul>

Early Retirement Hacks: Big Wins Through Tiny Habits

Whether you’re saving for emergencies, a vacation, or a house, you have to have some way to stash away that money. We’ll look at some popular savings hacks and how to find the best savings option for you! Are you saving up for something big this year? If you are, you have plenty of company.  Fidelity released its 2020 New Year Financial Resolutions Study and found that 53% of those surveyed who were planning on working these finances had saving more as their goal.  That’s great news considering on average, we’re not really saving enough.  According to GoBankingRates when they asked more than 5,000 adults their savings balance, 58% had less than $1000 saved and 32% admitted to not having anything at all in their savings.  That is a really vulnerable position to be in.  So if you want to turn things around and really ramp up your savings, I think you’ll enjoy today’s episode.  I’m sharing the best tips and stories from one of the super savers and favorite guests I’ve had on this podcast.  Financial educator and Journey to Launch creator Jamila Souffrant and her husband saved over $80k  one year while living in NYC!  More interestingly is how she was able to get him on board. Great ideas on how to approach not just the process, but enjoy the journey together.  Joe Mecca from Coastal Credit Union and another super saver is also back on to break down his goals for this year and how he’s saving for them.  In this episode we’re looking at:   why your savings rate matters Where and how to get started with savings in your budget how to set things up so you’re automatically saving more while still enjoying life  Let’s get started!  Want to start boosting your savings rate? Here are some resources to check out:  Best Budget and Money Apps: Personal Capital, Tiller, Mint Automatic Saving: Qapital Free 401(k) Analysis: blooom 5 Days to $5K: It’s my free weeklong course to show you how to find, save, and make extra money so you can dump debt and save more!  17 Money Saving Strategies We Used to Triple Our Savings Rate  Support the Podcast!  If you enjoyed this episode and found it helpful, here are some ways to support it.  Spread the word. If you have friends who could boost their savings, please share this episode with them on social media or just email the link!   Leave a review. Every review helps! Please share your honest feedback on Apple Podcasts or Stitcher.  Visit our Couple Money Toolkit for more info on available apps, tools, and services to master your money together. Become a Patron.   Special Thanks!  Like the music in this episode? Our theme song is by Gentle Regime. I also want to thank Lee Rosevere for music in this episode.

Whether you’re saving for emergencies, a vacation, or a house, you have to have some way to stash away that money. We’ll look at some popular savings hacks and how to find the best savings option for you! Are you saving up for something big this year? If you are, you have plenty of company.  Fidelity released its <a href="https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/about-fidelity/annual-financial-resolutions-factsheet.pdf" rel="nofollow" target="_blank">2020 New Year Financial Resolutions Study and found that 53% of those surveyed who were planning on working these finances had saving more as their goal</a>.  That’s great news considering on average, we’re not really saving enough.  According to <a href="https://finance.yahoo.com/news/58-americans-less-1-000-090000503.html?guccounter=1&amp;guce_referrer=aHR0cHM6Ly93d3cuZ29vZ2xlLmNvbS8&amp;guce_referrer_sig=AQAAACEnOpYO6CVVgS7M3wCUYxShEUvUEX3Q-ZOhLCPCHrt8uSPYm2yBemaN-i6Vo1YTcDxf5lKJi8-EP0b0Ib5p_3Um1dA9USJ4RGsdFGeoHApX3eBDHFOyL4tDt1Gslmuk3TtnQe0zGra16vGFQWQjCIt9o_qnI82QCihze7FEbfOK" rel="nofollow" target="_blank">GoBankingRates when they asked more than 5,000 adults their savings balance,</a> 58% had less than $1000 saved and 32% admitted to not having anything at all in their savings.  That is a really vulnerable position to be in.  So if you want to turn things around and really ramp up your savings, I think you’ll enjoy today’s episode.  I’m sharing the best tips and stories from one of the super savers and favorite guests I’ve had on this podcast.  Financial educator and Journey to Launch creator Jamila Souffrant and her husband <a href="https://couplemoney.com/podcast/marriage-financial-independence-same-page/" rel="nofollow" target="_blank">saved over $80k  one year while living in NYC</a>!  More interestingly is how she was able to get him on board. Great ideas on how to approach not just the process, but enjoy the journey together.  Joe Mecca from Coastal Credit Union and another super saver is also back on to break down his goals for this year and how he’s saving for them.  In this episode we’re looking at:  <ul> <li>why your savings rate matters</li> <li>Where and how to get started with savings in your budget</li> <li>how to set things up so you’re automatically saving more while still enjoying life</li> </ul> Let’s get started!  Want to start boosting your savings rate? Here are some resources to check out: <ul> <li>Best Budget and Money Apps: <a href="https://couplemoney.com/PersonalCapital" rel="nofollow" target="_blank">Personal Capital</a>, <a href="https://couplemoney.com/tiller" rel="nofollow" target="_blank">Tiller</a>, <a href="https://couplemoney.com/mint" rel="nofollow" target="_blank">Mint</a></li> <li>Automatic Saving: <a href="https://couplemoney.com/qapital" rel="nofollow" target="_blank">Qapital</a></li> <li>Free 401(k) Analysis:<a href="https://couplemoney.com/blooom" rel="nofollow" target="_blank"> blooom</a></li> <li><a href="https://couplemoney.com/5k" rel="nofollow" target="_blank">5 Days to $5K</a>: It’s my free weeklong course to show you how to find, save, and make extra money so you can <a href="https://www.youtube.com/watch?v=R63M6xH-6xE" rel="nofollow" target="_blank">dump debt and save more! </a></li> <li><a href="https://www.youtube.com/watch?v=R63M6xH-6xE" rel="nofollow" target="_blank">17 Money Saving Strategies We Used to Triple Our Savings Rate</a></li> </ul> Support the Podcast!  If you enjoyed this episode and found it helpful, here are some ways to support it. <ul> <li>Spread the word. If you have friends who could boost their savings, please share this episode with them on social media or just email the link!  </li> <li>Leave a review. Every review helps! Please share your honest feedback on <a href="https://itunes.apple.com/us/podcast/couple-money-podcast-build-your-marriage-wealth-together/id924656111?mt=2" rel="nofollow" target="_blank">Apple Podcasts</a> or <a href="https://www.stitcher.com/podcast/elle-martinez/couple-money-podcast" rel="nofollow" target="_blank">Stitcher</a>. </li> <li>Visit our <a href="https://couplemoney.com/couple-money-recommends/" rel="nofollow" target="_blank">Couple Money Toolkit</a> for more info on available apps, tools, and services to master your money together.</li> <li>Become a Patron. </li> </ul> Special Thanks!  Like the music in this episode? Our theme song is by <a href="https://www.youtube.com/user/gentleregime" rel="nofollow" target="_blank">Gentle Regime</a>. I also want to thank <a href="http://freemusicarchive.org/music/Lee_Rosevere/Music_For_Podcasts/" rel="nofollow" target="_blank">Lee Rosevere</a> for music in this episode.

How to Become Super Savers This Year

Ready to merge finances? Find how you can master your bank accounts together and get the most out your hard earned money!  Master Your Bank Accounts Together  How are things going with your money? Do you feel like the two of you have a strong handle on things? When we were first married, it took some time for us to find our footing. Besides figuring how to manage money as a team, we had to move our money because the bank we were with gave us more hassle than help. Fast forward now and we're much happier because we found a system and banking options that work for us. Today we're looking at how you can master your bank accounts together and get the most bang for your buck! Joe Mecca from Coastal Credit Union is here today to help out.  In this episode, we get into   how to find the best way to manage your money as a couple stashing your cash in the best place possible managing your money like a boss  Hope you enjoy! Resources to Get the Most Out of Your Bank Accounts Are you two ready to master your joint accounts? Do you want to create a system that fits your priorities and styles? Here are some resources to check out.   Want a Happier Marriage? Combine Bank Accounts  Finding the Best Banking and Investing Accounts  Optimize Your Bank or Credit Union Accounts  Finding a Bank That Treats You Fairly and Earns You Money  Jumpstart Your Marriage and Money Course Want to give your marriage and bank account a boost? Pick up Jumpstart Your Marriage and Money course. Jumpstart focuses on the big wins including earning more. Get LIFETIME access to a four-week course design to help you:  Stop fighting about money and create a budget that you BOTH LOVE Automate your money Pay off your debt faster Plus more!  You can get lifetime access here.  Music Credit Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere and Logan from Music for Makers in this episode.

Ready to merge finances? Find how you can master your bank accounts together and get the most out your hard earned money!  Master Your Bank Accounts Together How are things going with your money? Do you feel like the two of you have a strong handle on things? When we were first married, it took some time for us to find our footing. Besides figuring how to manage money as a team, we had to move our money because the bank we were with gave us more hassle than help. Fast forward now and we're much happier because we found a system and banking options that work for us. Today we're looking at how you can master your bank accounts together and get the most bang for your buck! Joe Mecca from <a href="https://www.coastal24.com" rel="nofollow" target="_blank">Coastal Credit Union</a> is here today to help out. In this episode, we get into <ul> <li>how to find the best way to manage your money as a couple</li> <li>stashing your cash in the best place possible</li> <li>managing your money like a boss</li> </ul> Hope you enjoy! Resources to Get the Most Out of Your Bank Accounts Are you two ready to master your joint accounts? Do you want to create a system that fits your priorities and styles? Here are some resources to check out. <ul> <li><a href="https://couplemoney.com/banking/want-a-happier-marriage-combine-bank-accounts/" rel="nofollow" target="_blank"> Want a Happier Marriage? Combine Bank Accounts</a></li> <li><a href="https://couplemoney.com/banking/joint-banking-and-investing-accounts/" rel="nofollow" target="_blank"> Finding the Best Banking and Investing Accounts</a></li> <li><a href="https://couplemoney.com/banking/optimize-your-bank-or-credit-union-accounts/" rel="nofollow" target="_blank"> Optimize Your Bank or Credit Union Accounts</a></li> <li><a href="https://couplemoney.com/psychology/making-the-switch-to-online-banking/" rel="nofollow" target="_blank"> Finding a Bank That Treats You Fairly and Earns You Money</a></li> </ul> Jumpstart Your Marriage and Money Course Want to give your marriage and bank account a boost? Pick up <a href="http://marriageandmoney.teachable.com/" rel="nofollow" target="_blank">Jumpstart Your Marriage and Money course</a>. Jumpstart focuses on the big wins including earning more. Get LIFETIME access to a four-week course design to help you: <ul> <li>Stop fighting about money and create a budget that you BOTH LOVE</li> <li>Automate your money</li> <li>Pay off your debt faster Plus more!</li> </ul> You can <a href="https://couplemoney.com/jumpstart" rel="nofollow" target="_blank">get lifetime access here. </a> Music Credit Like the music in this episode? Our theme song is by <a href="https://www.youtube.com/user/gentleregime" rel="nofollow" target="_blank">Gentle Regime</a>. Additional music by Lee Rosevere and Logan from <a href="https://musicformakers.com/" rel="nofollow" target="_blank">Music for Makers</a> in this episode.

How to Master Your Bank Accounts Together

How do you feel about managing money? Is it something you enjoy doing or do you see paying the bills, knocking out debt, saving for your future, etc. a bit much? When we were first married it was honestly a little overwhelming. We had the bills to pay, a car loan, and eventually student loans that were going to come due.  The idea of getting a financial system seemed complicated. The good news is it wasn’t. With a little organization so we had our acct info in front of us. It was a one evening thing.  And it’s made a huge difference for us.  We’ve paid off over $30,000 of debt, bought our cars with cash, started investing for retirement, and giving more. Through the years, we’ve had to take a step back to help out loved ones and deal with our family. With two little ones as our priority, we sometimes have put money conversations on the back burner. The automated system allowed us to still take care of the essentials and not miss a beat.  But I also know that the idea of setting up a system sounds like a ton of work. Truth is the initial set up typically isn’t as difficult as you think and the benefits are more than just the money.  To make this easier we’re going over:   Peek into Our System so You Have a Real Life Example Setting Up Your Financial System Tools and Apps to Make it Easier to Set up and Track Your Money  I hope you enjoy!  Thank You to Our Sponsor Coastal!  Support for this podcast comes from Coastal Credit Union! If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today. They have fantastic options to make online banking easy! Resources to Stay on Top of Your Money Here are some resources to make managing your money much easier!  Best Budget and Money Apps: Personal Capital, Tiller, Mint Free 401(k) Analysis: blooom Grow Your Stash Faster: High Yield Savings with CiT Bank Automatic Saving: Qapital Jumpstart Your Marriage and Your Money  Support the Podcast! Thank you so much for listening to the podcast!  Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!  Music Credit Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere.

How do you feel about managing money? Is it something you enjoy doing or do you see paying the bills, knocking out debt, saving for your future, etc. a bit much? When we were first married it was honestly a little overwhelming. We had the bills to pay, a car loan, and eventually student loans that were going to come due.  The idea of getting a financial system seemed complicated. The good news is it wasn’t. With a little organization so we had our acct info in front of us. It was a one evening thing.  And it’s made a huge difference for us.  We’ve paid off over $30,000 of debt, bought our cars with cash, started investing for retirement, and giving more. Through the years, we’ve had to take a step back to help out loved ones and deal with our family. With two little ones as our priority, we sometimes have put money conversations on the back burner. The automated system allowed us to still take care of the essentials and not miss a beat.  But I also know that the idea of setting up a system sounds like a ton of work. Truth is the initial set up typically isn’t as difficult as you think and the benefits are more than just the money.  To make this easier we’re going over:  <ul> <li>Peek into Our System so You Have a Real Life Example</li> <li>Setting Up Your Financial System</li> <li>Tools and Apps to Make it Easier to Set up and Track Your Money</li> </ul> I hope you enjoy!  Thank You to Our Sponsor Coastal! <a href="https://couplemoney.com/bankbetter" rel="nofollow" target="_blank"></a> Support for this podcast comes from <a href="https://couplemoney.com/bankbetter" rel="nofollow" target="_blank">Coastal Credit Union</a>! If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today. They have <a href="https://www.coastal24.com/Access/24-Hour-Banking/Online-Banking" rel="nofollow" target="_blank">fantastic options to make online banking easy</a>! Resources to Stay on Top of Your Money Here are some resources to make managing your money much easier! <ul> <li>Best Budget and Money Apps: <a href="https://couplemoney.com/PersonalCapital" rel="nofollow" target="_blank">Personal Capital</a>, <a href="https://couplemoney.com/tiller" rel="nofollow" target="_blank">Tiller</a>, <a href="https://couplemoney.com/mint" rel="nofollow" target="_blank">Mint</a></li> <li>Free 401(k) Analysis: <a href="https://couplemoney.com/blooom" rel="nofollow" target="_blank">blooom</a></li> <li>Grow Your Stash Faster: <a href="https://couplemoney.com/CITsavings" rel="nofollow" target="_blank">High Yield Savings with CiT Bank</a></li> <li>Automatic Saving: <a href="https://couplemoney.com/qapital" rel="nofollow" target="_blank">Qapital</a></li> <li><a href="https://couplemoney.com/book" rel="nofollow" target="_blank">Jumpstart Your Marriage and Your Money</a></li> </ul> Support the Podcast! Thank you so much for listening to the podcast! <ul> <li>Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.</li> <li>Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on <a href="https://itunes.apple.com/us/podcast/couple-money-podcast-build-your-marriage-wealth-together/id924656111?mt=2" rel="nofollow" target="_blank">Apple</a> or <a href="https://www.stitcher.com/podcast/elle-martinez/couple-money-podcast" rel="nofollow" target="_blank">Stitcher</a>.</li> <li>Grab a copy of <a href="https://couplemoney.com/book" rel="nofollow" target="_blank">Jumpstart Your Marriage and Your Money</a>. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!</li> </ul> Music Credit Like the music in this episode? Our theme song is by <a href="https://www.youtube.com/user/gentleregime" rel="nofollow" target="_blank">Gentle Regime</a>. Additional music by <a href="https://leerosevere.bandcamp.com/" rel="nofollow" target="_blank">Lee Rosevere</a>.

How to Automate Your Money: A Guide for Busy Couples

Does it seem like you two keep having the same argument over and over? Do you feel like you're spinning your wheels with money? You're not alone. Today we're going over how we form our money habits and how we can change them for the better to finally achieve your big goals together!   Mindsets and Money Stories  It's funny how unaware we can be about our money habits. When we first began talking about money, it was a real eye-opener and not just because of the numbers. Here we were ready to spend our lives together and we realized that we had completely different views when it came to money.  But digging into how we pick up those habits and figuring a way to work with what we have so to speak is somewhat tricky - which is why I'm really happy Jen Hemphill here. She's an accredited financial coach and author of her new book, Her Money Matters: The Missing Truths From Traditional Money Advice. It's a fantastic book and one aspect I really appreciated is how Jen dives into mindsets and money stories. In this episode we discuss:  how your past can influence how you handle finances now - for better or worse how to help your spouse to open up and understand their money mindset a tip for getting them onboard  Hope you enjoy!  Resources to Understand and Change Your Money Mindset  If you two are looking to improve how you talk and work together with your finances (and lives), please check out these resources.  Her Money Matters  Conversation Starters and Ice Breakers with Money and Marriage  Jumpstart Your Marriage and Money Course Want to give your marriage and bank account a boost? Pick up Jumpstart Your Marriage and Money course. Jumpstart focuses on the big wins including earning more. Get LIFETIME access to a four-week course design to help you:  Stop fighting about money and create a budget that you BOTH LOVE Automate your money Pay off your debt faster Plus more!  You can get lifetime access here.  Music Credit Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere and Logan from Music for Makers in this episode.

Does it seem like you two keep having the same argument over and over? Do you feel like you're spinning your wheels with money? You're not alone. Today we're going over how we form our money habits and how we can change them for the better to finally achieve your big goals together!  Mindsets and Money Stories  It's funny how unaware we can be about our money habits. When we first began talking about money, it was a real eye-opener and not just because of the numbers. Here we were ready to spend our lives together and we realized that we had completely different views when it came to money.  But digging into how we pick up those habits and figuring a way to work with what we have so to speak is somewhat tricky - which is why I'm really happy Jen Hemphill here. She's an accredited financial coach and author of her new book, Her Money Matters: The Missing Truths From Traditional Money Advice. It's a fantastic book and one aspect I really appreciated is how Jen dives into mindsets and money stories. In this episode we discuss: <ul> <li>how your past can influence how you handle finances now - for better or worse</li> <li>how to help your spouse to open up and understand their money mindset</li> <li>a tip for getting them onboard</li> </ul> Hope you enjoy!  Resources to Understand and Change Your Money Mindset  If you two are looking to improve how you talk and work together with your finances (and lives), please check out these resources. <ul> <li><a href="http://jenhemphill.com" rel="nofollow" target="_blank">Her Money Matters</a></li> <li><a href="https://popcornfinance.com/episode-044-start-valentines-day-couple-money-talk-ft-elle-martinez/" rel="nofollow" target="_blank"> Conversation Starters and Ice Breakers with Money and Marriage</a></li> </ul> Jumpstart Your Marriage and Money Course Want to give your marriage and bank account a boost? Pick up <a href="http://marriageandmoney.teachable.com/" rel="nofollow" target="_blank">Jumpstart Your Marriage and Money course</a>. Jumpstart focuses on the big wins including earning more. Get LIFETIME access to a four-week course design to help you: <ul> <li>Stop fighting about money and create a budget that you BOTH LOVE</li> <li>Automate your money</li> <li>Pay off your debt faster Plus more!</li> </ul> You can <a href="https://couplemoney.com/jumpstart" rel="nofollow" target="_blank">get lifetime access here. </a> Music Credit Like the music in this episode? Our theme song is by <a href="https://www.youtube.com/user/gentleregime" rel="nofollow" target="_blank">Gentle Regime</a>. Additional music by Lee Rosevere and Logan from <a href="https://musicformakers.com/" rel="nofollow" target="_blank">Music for Makers</a> in this episode.

How to Change Your Money Mindset and Habits to Finally Dump Debt and Build Wealth Together

Today we’re looking at how you can knock out a debt or two before this year wraps up! Knock Out a Debt Quickly  Who doesn’t want to unload a debt before this year wraps up? Paying off debt is usually one of the top three goals people make for the year, but struggle to achieve. That’s not going to happen with you. I want you to make some headway with your debt-free goals which why we’re finishing up with season with a call to action – we’re going to knock out debt. Of course, to do this we need money. There are three ways you’re going too free up money so to speak to pay off those debts faster:  Optimize your current budget Consolidate your debts Earn extra cash  We’ve talked about different ways you can save this season, with housing, cars, and how to bake in automatic savings so today I want to look at the other two options. David Jacobs, VP of Consumer Lending at Coastal Credit Union, is going to talk about the differences between HELOCs and home equity loans. If you going that route, you really need to understand how they work. We’re also looking at using side hustles to earn that extra money. Can you really knock out your debts with a side gig? Kevin is a member of our community and was kind enough to reach out to me about his experience. He’s done both delivery driving with GrubHub and ride-sharing. What’s cool – at least to me – is that he’s an accountant in his day job. So when he did the side hustles he was tracking not only his earnings but expenses. I think you’ll enjoy hearing his take on whether it’s a viable way to earn some extra cash. In this episode we’ll discuss:  Understanding debt consolidation options with your home equity Whether side hustles can be a smart way to earn extra cash to pay those debts Ways to stay motivated  Let’s get started! Resources to Pay Off a Mountain of Debt If you two are ready to pay off your debt, here are some handy resources to check out:  Best Budget and Money Apps: Personal Capital, Tiller, Mint, Zeta Jumpstart Your Marriage and Your Money Total Money Makeover  Free Debt Snowball Template Trim: With Trim, you can cancel subscriptions and negotiate your bills. Billshark: They contact your service providers and negotiate the best price on your behalf. Paribus: Bought something and a week later the price drops? Paribus can get you back the difference.  Attacking Debt: Which One First?  Which Debt Payoff Method Is Right for You? The Great Debt Dump: Running Toward Financial Freedom with the Power of Community   How to Stay Motivated with Paying Off Debt  Thank You to Our Sponsor Coastal!  Support for this podcast comes from Coastal Credit Union! If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today. They want to help you achieve your biggest goals! Support the Podcast! Thank you so much for listening to the podcast!  Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!  Music Credit Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere and Logan from Music for Makers in this episode.

Today we’re looking at how you can knock out a debt or two before this year wraps up! Knock Out a Debt Quickly Who doesn’t want to unload a debt before this year wraps up? Paying off debt is usually one of the top three goals people make for the year, but struggle to achieve. That’s not going to happen with you. I want you to make some headway with your debt-free goals which why we’re finishing up with season with a call to action – we’re going to knock out debt. Of course, to do this we need money. There are three ways you’re going too free up money so to speak to pay off those debts faster: <ul> <li>Optimize your current budget</li> <li>Consolidate your debts</li> <li>Earn extra cash</li> </ul> We’ve talked about different ways you can save this season, with housing, cars, and how to bake in automatic savings so today I want to look at the other two options. David Jacobs, VP of Consumer Lending at Coastal Credit Union, is going to talk about the differences between HELOCs and home equity loans. If you going that route, you really need to understand how they work. We’re also looking at using side hustles to earn that extra money. Can you really knock out your debts with a side gig? Kevin is a member of our community and was kind enough to reach out to me about his experience. He’s done both delivery driving with GrubHub and ride-sharing. What’s cool – at least to me – is that he’s an accountant in his day job. So when he did the side hustles he was tracking not only his earnings but expenses. I think you’ll enjoy hearing his take on whether it’s a viable way to earn some extra cash. In this episode we’ll discuss: <ul> <li>Understanding debt consolidation options with your home equity</li> <li>Whether side hustles can be a smart way to earn extra cash to pay those debts</li> <li>Ways to stay motivated</li> </ul> Let’s get started! Resources to Pay Off a Mountain of Debt If you two are ready to pay off your debt, here are some handy resources to check out: <ul> <li>Best Budget and Money Apps: <a href="https://couplemoney.com/PersonalCapital" rel="nofollow" target="_blank">Personal Capital</a>, <a href="https://couplemoney.com/tiller" rel="nofollow" target="_blank">Tiller</a>, <a href="https://couplemoney.com/mint" rel="nofollow" target="_blank">Mint</a>, <a href="https://www.askzeta.com/a/couplemoney" rel="nofollow" target="_blank">Zeta</a></li> <li><a href="https://couplemoney.com/book" rel="nofollow" target="_blank">Jumpstart Your Marriage and Your Money</a></li> <li><a href="https://couplemoney.com/totalmoneyMakeover" rel="nofollow" target="_blank">Total Money Makeover</a></li> <li><a href="http://www.vertex42.com/Calculators/debt-reduction-calculator.html" rel="nofollow" target="_blank"> Free Debt Snowball Template</a></li> <li><a href="https://couplemoney.com/Trim" rel="nofollow" target="_blank">Trim:</a> With Trim, you can cancel subscriptions and negotiate your bills.</li> <li><a href="https://couplemoney.com/billshark" rel="nofollow" target="_blank">Billshark: </a>They contact your service providers and negotiate the best price on your behalf.</li> <li><a href="https://couplemoney.com/paribus" rel="nofollow" target="_blank">Paribus:</a> Bought something and a week later the price drops? Paribus can get you back the difference.</li> <li><a href="https://couplemoney.com/money-questions/paying-off-debt-as-a-couple/" rel="nofollow" target="_blank"> Attacking Debt: Which One First?</a></li> <li><a href="https://couplemoney.com/debt-reduction/which-debt-payoff-method-is-right-for-you/" rel="nofollow" target="_blank"> Which Debt Payoff Method Is Right for You?</a></li> <li><a href="https://www.amazon.com/gp/product/1511906162/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=1511906162&amp;linkCode=as2&amp;tag=couplemoney-20&amp;linkId=e3ca13ecdbbc96c0038744c8dc10a4b0" rel="noreferrer noopener nofollow" target="_blank">The Great Debt Dump: Running Toward Financial Freedom with the Power of Community </a></li> <li><a href="https://couplemoney.com/debt-reduction/staying-focused-on-paying-off-debt/" rel="nofollow" target="_blank"> How to Stay Motivated with Paying Off Debt</a></li> </ul> Thank You to Our Sponsor Coastal! <a href="https://couplemoney.com/bankbetter" rel="nofollow" target="_blank"></a> Support for this podcast comes from <a href="https://couplemoney.com/bankbetter" rel="nofollow" target="_blank">Coastal Credit Union</a>! If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today. They want to help you <a href="https://www.coastal24.com/Plan/Resources/Goals" rel="nofollow" target="_blank">achieve your biggest goals</a>! Support the Podcast! Thank you so much for listening to the podcast! <ul> <li>Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.</li> <li>Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on <a href="https://itunes.apple.com/us/podcast/couple-money-podcast-build-your-marriage-wealth-together/id924656111?mt=2" rel="nofollow" target="_blank">Apple</a> or <a href="https://www.stitcher.com/podcast/elle-martinez/couple-money-podcast" rel="nofollow" target="_blank">Stitcher</a>.</li> <li>Grab a copy of <a href="https://couplemoney.com/book" rel="nofollow" target="_blank">Jumpstart Your Marriage and Your Money</a>. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!</li> </ul> Music Credit Like the music in this episode? Our theme song is by <a href="https://www.youtube.com/user/gentleregime" rel="nofollow" target="_blank">Gentle Regime</a>. Additional music by <a href="https://leerosevere.bandcamp.com/" rel="nofollow" target="_blank">Lee Rosevere</a> and Logan from <a href="https://musicformakers.com/" rel="nofollow" target="_blank">Music for Makers</a> in this episode.

How To Dump Debt Before The Year Wraps Up

Millions of Americans want to start a business, but where do you begin? Entrepreneur and start up co-founder Will DeShazo shares how you can find the right gig along with balancing marriage and entrepreneurship!   Finding Balance with Marriage and Entrepreneurship We've had a quite a few shows about being a happily married entrepreneur I've been sharing my ups and downs working from home. I've also interviewed couples who are running a business together like Justin and Rebekah Rhodes with Abundant Permaculture, couples who ventured on their own career paths like LaTisha Styles who explained how she and her husband successfully support each other. And hearing them, you get this sense that's they're well-oiled machines. Things working out. But what about that beginning stage? How does a side hustle fit in with your current job and your marriage? In this special episode Millennovator co-founder Will DeShazo and I discuss:  how you can start earning some cash while exploring career options  the framework that will help you find the right gig opportunities for you to give yourself a raise at your current position using a side hustle  Hope you enjoy! Subscribe to Couple Money Podcast via iTunes, Stitcher, or copy this link to use with a podcatcher of your choice.  Resources for Entrepreneurs Want to become an entrepreneur? Here are some more resources to check out!  LaTishaTV on Facebook Your First $500 Launch by Jeff Walker  The 4-Hour Workweek: Escape 9-5, Live Anywhere, and Join the New Rich  Launching a Business as a Creative Entrepreneur  Developing a Money Making Hobby  Starting and Building a Side Hustle with Fiverr  Thank You to Our Partners Support for this podcast comes from partners like Personal Capital. Easy to set up &amp; easy to use. You can have all your investments, income, and expenses all pulled into one place. Did I mention it’s free? Why don’t you give Personal Capital a try today?

Millions of Americans want to start a business, but where do you begin? Entrepreneur and start up co-founder Will DeShazo shares how you can find the right gig along with balancing marriage and entrepreneurship!   Finding Balance with Marriage and Entrepreneurship We've had a quite a few shows about being a happily married entrepreneur I've been sharing my ups and downs working from home. I've also interviewed couples who are running a business together like Justin and Rebekah Rhodes with Abundant Permaculture, couples who ventured on their own career paths like LaTisha Styles who explained how she and her husband successfully support each other. And hearing them, you get this sense that's they're well-oiled machines. Things working out. But what about that beginning stage? How does a side hustle fit in with your current job and your marriage? In this special episode <a href="http://millennovator.com/" rel="nofollow" target="_blank">Millennovator</a> co-founder Will DeShazo and I discuss: <ul> <li>how you can start earning some cash while exploring career options</li> <li> the framework that will help you find the right gig</li> <li>opportunities for you to give yourself a raise at your current position using a side hustle</li> </ul> Hope you enjoy! Subscribe to Couple Money Podcast via <a href="https://itunes.apple.com/us/podcast/couple-money-podcast-build/id924656111" rel="nofollow" target="_blank">iTunes</a>, <a href="http://www.stitcher.com/podcast/elle-martinez/couple-money-podcast?refid=stpr" rel="nofollow" target="_blank">Stitcher</a>, or copy <a href="http://couplemoneypodcast.com/feed/podcast/" rel="nofollow" target="_blank">this link to use </a>with a podcatcher of your choice. Resources for Entrepreneurs Want to become an entrepreneur? Here are some more resources to check out! <ul> <li><a href="https://www.facebook.com/latishatv" rel="nofollow" target="_blank">LaTishaTV on Facebook</a></li> <li><a href="http://latishastyles.com/yf500" rel="nofollow" target="_blank">Your First $500</a></li> <li><a href="https://www.amazon.com/gp/product/1630470171/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=1630470171&amp;linkCode=as2&amp;tag=couplemoney-20&amp;linkId=4b64a6715e916db9fa2c36661fa7a89f" rel="noopener nofollow" target="_blank">Launch </a>by Jeff Walker</li> <li><a href="https://www.amazon.com/gp/product/0307465357/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=0307465357&amp;linkCode=as2&amp;tag=couplemoney-20&amp;linkId=23e79a55d117d7e6bc570e053acef398" rel="nofollow" target="_blank"> The 4-Hour Workweek: Escape 9-5, Live Anywhere, and Join the New Rich</a></li> <li><a href="https://couplemoney.com/entrepreneurship/designed-to-sell-career-guide/" rel="nofollow" target="_blank"> Launching a Business as a Creative Entrepreneur</a></li> <li><a href="https://couplemoney.com/entrepreneurship/developing-a-money-making-hobby/" rel="nofollow" target="_blank"> Developing a Money Making Hobby</a></li> <li><a href="https://couplemoney.com/entrepreneurship/building-a-side-hustle-with-fiverr/" rel="nofollow" target="_blank"> Starting and Building a Side Hustle with Fiverr</a></li> </ul> Thank You to Our Partners Support for this podcast comes from partners like Personal Capital. Easy to set up &amp; easy to use. You can have all your investments, income, and expenses all pulled into one place. Did I mention it’s free? Why don’t you<a href="http://couplemoneypodcast.com/pc" rel="nofollow" target="_blank"> give Personal Capital a try today</a>?

Finding Balance with Marriage and Entrepreneurship

Most couples marry their financial opposite, which can be a blessing or a recipe for disaster. Learn how you two can become a team and create a budget and money system you both love! Marrying Your Financial Opposite Did you know that 75% of divorced couples cite money as the cause of their marital issues? With something causing that big of any issue, you’d think we’d try to become more proactive with making sure that finances But for many couples, the conversations don’t happen. There’s a tendency in a lot of marriages to not talk about money until something goes wrong. The budget is broken or you’re struggling to hit a goal you made for the year. One reason couples don’t talk about money is that they’re trying to avoid a fight. Maybe they’ve had a blow-up in the past about certain spending and they rather not hash that out again. Perhaps they couldn’t come to an agreement on something that should be simple like the budget. This can especially be the case when you’re financial opposites. However just because you’re financial opposites don’t mean you can’t work as a team with your money. In fact, for some couples, their differences became an advantage as they tackle goals like dumping debt, saving up for a house or investing in their future. How do you get there though? How do you mesh those differences into strengths? Scott and Bethany Palmer, The Money Couple are on the podcast today to chat about how to get started with talking about and working through your financial issues and goals.They were financial advisors and noticed how their married clients were struggling with money. They’ve been focused since on helping spouses work with their different approaches to finances and become a team. In this episode we’ll get into:  how money differences show up in our daily lives understanding and respecting one another’s different perspectives how to approach money talks so that they’re productive  Hope you enjoy! Resources to Help You Merge Your Finances If you’re looking to get better with your finances together, here are some helpful posts to check out:  Best Budget and Money Apps: Personal Capital, Tiller, Mint &lt;- Absolutely crucial you two have a way to track your money together Grow Your Stash Faster: High Yield Savings with CiT Bank Jumpstart Your Marriage and Your Money  How to Talk About Money Without Starting a Fight How to Diffuse Money Fights  Thank You to Our Sponsor Coastal!  Support for this podcast comes from Coastal Credit Union. If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today! We’ve been Coastal members for a few years have been happy with their services. They also have competitive rates on their checking and savings accounts! Meet Scott and Bethany Palmer  With 50 years of combined experience as financial advisors, Scott &amp; Bethany Palmer (aka “The Money Couple”) have witnessed these conflicts firsthand. After watching so many couples struggle over money, Scott &amp; Bethany set out to find out why. After a decade of research with a Stanford scientist, they cracked the code to stop the money issues that so often lead to divorce. They discovered that money “issues” aren’t really about dollars and cents — the real problem is a couple’s struggle to communicate about and agree on money. They developed The 5 Money Personalities to help couples understand their own unique perspectives and behaviors when it comes to money, learn more about their partner’s money personalities, and better communicate in a way that builds rich relationships Support the Podcast! Thank you so much for listening to the podcast!  Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!  Music Credit Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere.

Most couples marry their financial opposite, which can be a blessing or a recipe for disaster. Learn how you two can become a team and create a budget and money system you both love! Marrying Your Financial Opposite Did you know that 75% of divorced couples cite money as the cause of their marital issues? With something causing that big of any issue, you’d think we’d try to become more proactive with making sure that finances But for many couples, the conversations don’t happen. There’s a tendency in a lot of marriages to not talk about money until something goes wrong. The budget is broken or you’re struggling to hit a goal you made for the year. One reason couples don’t talk about money is that they’re trying to avoid a fight. Maybe they’ve had a blow-up in the past about certain spending and they rather not hash that out again. Perhaps they couldn’t come to an agreement on something that should be simple like the budget. This can especially be the case when you’re financial opposites. However just because you’re financial opposites don’t mean you can’t work as a team with your money. In fact, for some couples, their differences became an advantage as they tackle goals like dumping debt, saving up for a house or investing in their future. How do you get there though? How do you mesh those differences into strengths? Scott and Bethany Palmer, <a href="https://themoneycouple.com/" rel="nofollow" target="_blank">The Money Couple</a> are on the podcast today to chat about how to get started with talking about and working through your financial issues and goals.They were financial advisors and noticed how their married clients were struggling with money. They’ve been focused since on helping spouses work with their different approaches to finances and become a team. In this episode we’ll get into: <ul> <li>how money differences show up in our daily lives</li> <li>understanding and respecting one another’s different perspectives</li> <li>how to approach money talks so that they’re productive</li> </ul> Hope you enjoy! Resources to Help You Merge Your Finances If you’re looking to get better with your finances together, here are some helpful posts to check out: <ul> <li>Best Budget and Money Apps: <a href="https://couplemoney.com/PersonalCapital" rel="nofollow" target="_blank">Personal Capital</a>, <a href="https://couplemoney.com/tiller" rel="nofollow" target="_blank">Tiller</a>, <a href="https://couplemoney.com/mint" rel="nofollow" target="_blank">Mint </a>&lt;- Absolutely crucial you two have a way to track your money together</li> <li>Grow Your Stash Faster: <a href="https://couplemoney.com/CITsavings" rel="nofollow" target="_blank">High Yield Savings with CiT Bank</a></li> <li><a href="https://couplemoney.com/book" rel="nofollow" target="_blank">Jumpstart Your Marriage and Your Money</a></li> <li><a href="http://couplemoney.com/family-and-finances/how-to-bring-up-the-money-talk/" rel="nofollow" target="_blank"> How to Talk About Money Without Starting a Fight</a></li> <li><a href="https://couplemoney.com/psychology/how-to-diffuse-money-fights/" rel="nofollow" target="_blank">How to Diffuse Money Fights</a></li> </ul> Thank You to Our Sponsor Coastal! <a href="https://couplemoney.com/bankbetter" rel="nofollow" target="_blank"></a> Support for this podcast comes from <a href="https://couplemoney.com/bankbetter" rel="nofollow" target="_blank">Coastal Credit Union</a>. If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today! We’ve been Coastal members for a few years have been happy with their services. They also have competitive rates on their <a href="https://couplemoney.com/CoastalChecking" rel="nofollow" target="_blank">checking</a> and <a href="https://couplemoney.com/CoastalSavings" rel="nofollow" target="_blank">savings accounts</a>! Meet Scott and Bethany Palmer With 50 years of combined experience as financial advisors, Scott &amp; Bethany Palmer (aka “The Money Couple”) have witnessed these conflicts firsthand. After watching so many couples struggle over money, Scott &amp; Bethany set out to find out why. After a decade of research with a Stanford scientist, they cracked the code to stop the money issues that so often lead to divorce. They discovered that money “issues” aren’t really about dollars and cents — the real problem is a couple’s struggle to communicate about and agree on money. They developed The 5 Money Personalities to help couples understand their own unique perspectives and behaviors when it comes to money, learn more about their partner’s money personalities, and better communicate in a way that builds rich relationships Support the Podcast! Thank you so much for listening to the podcast! <ul> <li>Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.</li> <li>Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on <a href="https://itunes.apple.com/us/podcast/couple-money-podcast-build-your-marriage-wealth-together/id924656111?mt=2" rel="nofollow" target="_blank">Apple</a> or <a href="https://www.stitcher.com/podcast/elle-martinez/couple-money-podcast" rel="nofollow" target="_blank">Stitcher</a>.</li> <li>Grab a copy of <a href="https://couplemoney.com/book" rel="nofollow" target="_blank">Jumpstart Your Marriage and Your Money</a>. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!</li> </ul> Music Credit Like the music in this episode? Our theme song is by <a href="https://www.youtube.com/user/gentleregime" rel="nofollow" target="_blank">Gentle Regime</a>. Additional music by <a href="https://leerosevere.bandcamp.com/" rel="nofollow" target="_blank">Lee Rosevere</a>.

How to Work as a Team When You're Financial Opposites

Today Grant Sabatier, the author of Financial Freedom, goes through how he was able to become a millionaire and financially independent by 30.   More importantly, he also discusses how you can create your own path based on your goals and priorities.    Get on the Path to Financial Freedom   It’s almost the end of January, how are things going for you?   Over at our FB group, Thriving Families, I've been keeping an eye on some of the goals you’ve been sharing and I’m really impressed.   We some tackling debt, many mentioning their student loans. Meal prepping is also on the list. That’s a fantastic money saver and will help you tremendously with your health goals.   Quite a few talked about earning more, both through their regular 9-5 job as well as side hustles.   On the surface, these goals seem to go in different directions, but when we chat in the group and get into the whys behind the goals, I noticed a recurring theme.   Having more flexibility and security for our families.   And for many, that path includes reaching financial independence.   But when you’re deep in debt or just starting out, it can seem overwhelming and in some cases out of reach.   However, you can take steps now to get your finances in a great spot and open up more options for your family.   Today Grant Sabatier, the author of Financial Freedom and the creator of Millennial Money, goes through how he was able to become a millionaire and financially independent by 30.   More importantly, he also discusses how you can create your own path based on your goals and priorities.   In this episode, we get into:    Defining what financial independence and freedom means to you Why simply cutting expenses won’t get you to where you want to go How side hustles can enrich your lives and get you close to your FI dreams    Hope you enjoy!   Resources to Get on the Path to Financial Freedom   If you two are ready to make some real progress on your big goals, here are helpful resources to check out.    Best Budget and Money Apps: Personal Capital, Tiller, Mint Automatic Saving: Qapital Free 401(k) Analysis: blooom Jumpstart Your Marriage and Your Money  The Secret Sauce to Financial Independence &amp; Early Retirement  Retire Early By Rethinking Your Priorities  The Shockingly Simple Math Behind Early Retirement  DIY and the Financially Independent Lifestyle    Connect with Grant and Millennial Money   Dubbed “The Millennial Millionaire” by CNBC, Grant Sabatier went from $2.26 to $1 million in 5 years through entrepreneurship, side hustling and investing.   After reaching financial independence at the age of 30, Grant founded Millenial Money, where he writes about making and investing money and co-hosts the Millennial Money Minutes podcast.   Since launching in 2015, Grant has reached over 10 million readers and listeners through his blog and podcast.   Grant is also the author of Financial Freedom: A Proven Path to All the Money You’ll Ever Need.   Grant has been featured in over 200 international media outlets including The New York Times, Wall Street Journal, The Washington Post, National Public Radio, Money Magazine, ABC Nightline, Chicago Tribune, USA Today, Inc. Magazine, Forbes, The Sydney Morning Herald, and many others.   Support the Podcast   Thank you so much for listening!    Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. I’d love for more couples to work together to dump their debt and pursue their dreams together! Please leave your review on Apple or Stitcher. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!    I appreciate your help. Let’s make talking about marriage and money fun!   Music Credit   Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere

Today Grant Sabatier, the author of <a href="https://amzn.to/2RYCpU7" rel="nofollow" target="_blank">Financial Freedom</a>, goes through how he was able to become a millionaire and financially independent by 30. More importantly, he also discusses how you can create your own path based on your goals and priorities. Get on the Path to Financial Freedom It’s almost the end of January, how are things going for you? Over at our FB group, Thriving Families, I've been keeping an eye on some of the goals you’ve been sharing and I’m really impressed. We some tackling debt, many mentioning their student loans. Meal prepping is also on the list. That’s a fantastic money saver and will help you tremendously with your health goals. Quite a few talked about earning more, both through their regular 9-5 job as well as side hustles. On the surface, these goals seem to go in different directions, but when we chat in the group and get into the whys behind the goals, I noticed a recurring theme. Having more flexibility and security for our families. And for many, that path includes reaching financial independence. But when you’re deep in debt or just starting out, it can seem overwhelming and in some cases out of reach. However, you can take steps now to get your finances in a great spot and open up more options for your family. Today Grant Sabatier, the author of <a href="https://amzn.to/2RYCpU7" rel="nofollow" target="_blank">Financial Freedom</a> and the creator of Millennial Money, goes through how he was able to become a millionaire and financially independent by 30. More importantly, he also discusses how you can create your own path based on your goals and priorities. In this episode, we get into: <ul> <li>Defining what financial independence and freedom means to you</li> <li>Why simply cutting expenses won’t get you to where you want to go</li> <li>How side hustles can enrich your lives and get you close to your FI dreams</li> </ul> Hope you enjoy! Resources to Get on the Path to Financial Freedom If you two are ready to make some real progress on your big goals, here are helpful resources to check out. <ul> <li>Best Budget and Money Apps: <a href="https://couplemoney.com/PersonalCapital" rel="nofollow" target="_blank">Personal Capital</a>, <a href="https://couplemoney.com/tiller" rel="nofollow" target="_blank">Tiller</a>, <a href="https://couplemoney.com/mint" rel="nofollow" target="_blank">Mint</a></li> <li>Automatic Saving: <a href="https://couplemoney.com/qapital" rel="nofollow" target="_blank">Qapital</a></li> <li>Free 401(k) Analysis:<a href="https://couplemoney.com/blooom" rel="nofollow" target="_blank"> blooom</a></li> <li><a href="https://couplemoney.com/book" rel="nofollow" target="_blank">Jumpstart Your Marriage and Your Money</a></li> <li><a href="https://couplemoney.com/financial-independence/secret-financial-independence-early-retirement/" rel="nofollow" target="_blank"> The Secret Sauce to Financial Independence &amp; Early Retirement</a></li> <li><a href="https://couplemoney.com/podcast/retire-early-rethinking-priorities/" rel="nofollow" target="_blank"> Retire Early By Rethinking Your Priorities</a></li> <li><a href="http://www.mrmoneymustache.com/2012/01/13/the-shockingly-simple-math-behind-early-retirement/" rel="nofollow" target="_blank"> The Shockingly Simple Math Behind Early Retirement</a></li> <li><a href="http://couplemoneypodcast.com/embracing-financial-independence-diy-mindset-mike-lauren/" rel="nofollow" target="_blank"> DIY and the Financially Independent Lifestyle</a></li> </ul> Connect with Grant and Millennial Money Dubbed “The Millennial Millionaire” by CNBC, Grant Sabatier went from $2.26 to $1 million in 5 years through entrepreneurship, side hustling and investing. After reaching financial independence at the age of 30, Grant founded Millenial Money, where he writes about making and investing money and co-hosts the Millennial Money Minutes podcast. Since launching in 2015, Grant has reached over 10 million readers and listeners through his blog and podcast. Grant is also the author of <a href="https://amzn.to/2RYCpU7" rel="nofollow" target="_blank">Financial Freedom: A Proven Path to All the Money You’ll Ever Need</a>. Grant has been featured in over 200 international media outlets including The New York Times, Wall Street Journal, The Washington Post, National Public Radio, Money Magazine, ABC Nightline, Chicago Tribune, USA Today, Inc. Magazine, Forbes, The Sydney Morning Herald, and many others. Support the Podcast Thank you so much for listening! <ul> <li>Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.</li> <li>Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. I’d love for more couples to work together to dump their debt and pursue their dreams together! Please leave your review on <a href="https://itunes.apple.com/us/podcast/couple-money-podcast-build-your-marriage-wealth-together/id924656111?mt=2" rel="nofollow" target="_blank">Apple</a> or <a href="https://www.stitcher.com/podcast/elle-martinez/couple-money-podcast" rel="nofollow" target="_blank">Stitcher</a>.</li> <li>Grab a copy of <a href="https://couplemoney.com/book" rel="nofollow" target="_blank">Jumpstart Your Marriage and Your Money</a>. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!</li> </ul> I appreciate your help. Let’s make talking about marriage and money fun! Music Credit Like the music in this episode? Our theme song is by <a href="https://www.youtube.com/user/gentleregime" rel="nofollow" target="_blank">Gentle Regime</a>. Additional music by <a href="https://leerosevere.bandcamp.com/" rel="nofollow" target="_blank">Lee Rosevere</a>

Finding Financial Independence and Freedom as a Family

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