The ScrunchyFi Podcast: Recent Episodes
ScrunchyFi
Are you kinda crunchy, kinda silky, and want to become financially independent? Then this is the podcast for you. By mamas for mamas, this podcast covers all the creative ways to make money, save money, and invest to reach financial independence. Every podcast episode covers unique and creative ways to move you closer to financial freedom and the life you want to live.
Financial Therapy & Money Coach join forces!
SHOW NOTES
Danielle and Kyra share Money-related challenges can have a profound impact on our overall well-being, relationships, and sense of self. feeling overwhelmed, stressed, or anxious about money really matters! You can have someone help guide you through the challenges of managing money, prioritizing goals, and understanding your options!
What you will learn:
- Danielle is a Licensed Financial Therapist that works virtually with clients to help them heal their money relationship
- Kyra is a Money Coach that helps you understand what habits you need in order to achieve your future money goals.
- Mama we want you to know, You are not alone on your journey, in fact we want to be by your side coaching you all the way to Financial Success!!!
Want more day to day Mama Money saving tips? Find us on IG, Tiktok, Youtube, and our Blog!
Links from the show:
1:1 Coaching now available! https://calendly.com/scrunchyfi/single_coaching_session?month=2023-05
Financial Therapy now available!
https://danielleaubin.patientsecure.me/
Website - https://scrunchyfi.com/
Instagram - https://www.instagram.com/scrunchymamafi/
Tiktok - https://www.tiktok.com/@scrunchyfi
Youtube - https://www.youtube.com/@scrunchyfi
SHOW NOTES
Danielle and Kyra explain Househacking, the art of reducing your housing cost through creative solutions. Kyra shares her 4 year journey of traditional househacking, buying a multi family home and renting out one of the units. Danielle shares her creative househacking strategies like renting out her couch in one of the most expensive cities in the United States.
What you will learn:
- How to househack when you rent
- Traditional ways to househack
- Creative ways to househack even if you don't own your home
- Mama we want you to know, You are not alone on your journey, in fact we want to be by your side coaching you all the way to Financial Success!!!
Want more day to day Mama Money saving tips? Find us on IG, Tiktok, Youtube, and our Blog!
Links from the show:
1:1 Coaching now available! https://calendly.com/scrunchyfi/single_coaching_session?month=2023-05
Website - https://scrunchyfi.com/
Instagram - https://www.instagram.com/scrunchymamafi/
Tiktok - https://www.tiktok.com/@scrunchyfi
Youtube - https://www.youtube.com/@scrunchyfi
SHOW NOTES
Danielle and Kyra share how they aligned their values with their Money priorities to reach Financial Freedom. They share how they questioned how they want to use money in their lives to design the life they want instead of the life that has happened to them.
What you will learn:
- Danielle talks about agency over your money
- Kyra shares lifestyle options that manifest when you have financial security
- Are we questioning our money options?
- Mama we want you to know, You are not alone on your journey, in fact we want to be by your side coaching you all the way to Financial Success!!!
Want more day to day Mama Money saving tips? Find us on IG, Tiktok, Youtube, and our Blog!
Links from the show:
1:1 Coaching now available! https://calendly.com/scrunchyfi/single_coaching_session?month=2023-05Website - https://scrunchyfi.com/
Instagram - https://www.instagram.com/scrunchymamafi/
Tiktok - https://www.tiktok.com/@scrunchyfi
Youtube - https://www.youtube.com/@scrunchyfi
Danielle and Kyra share their Credit Card Hacking story covering travel points, Sign up bonuses, Cash back, and more! Hear how Kyra was able to earn $8,000 cash! 17 Free hotel nights, and over 250,000 Free airline miles all through Credit Card hacking.
Want more day to day Mama Money saving tips? Find us on IG, Tiktok, Youtube, and our Blog!
What you will learn:
- Danielle talks Credit Card Sign up Bonuses rules
- Kyra shares her secret of manufactured spend to pay for Rent and gain bonuses
- They myth bust the age old secret “Credit Card Hacking ruins your Credit Score”
- Find out how Kyra uses 0% apr interest Credit Card as an Emergency Fund
- Mama we want you to know, You are not alone on your journey, in fact we want to be by your side coaching you all the way to Financial Success!!!
1:1 Coaching now available! https://calendly.com/scrunchyfi/single_coaching_45_minute_session?month=2023-04
Website - https://scrunchyfi.com/
Instagram - https://www.instagram.com/scrunchymamafi/
Tiktok - https://www.tiktok.com/@scrunchyfi
Youtube - https://www.youtube.com/@scrunchyfi
SHOW NOTES
Danielle and Kyra share how they are both on track to reach Financial Independence despite the cost of living in their area. High cost of living (HCOL) vs Low cost of living (LCOL). They share how their money mindset is their biggest win to overcoming Cost of Living roadblocks.
Want more day to day Mama Money saving tips? Find us on IG, Tiktok, Youtube, and our Blog!
What you will learn:
- Danielle shares how the cost of living in the Bay area of California comes with money opportunities
- Kyra shares how low cost of living can have opportunities only if you create them
- Find out a secret side hustle to help offset cost of living despite location
- Mama we want you to know, You are not alone on your journey, in fact we want to be by your side coaching you all the way to Financial Success!!!
Links from the show:
Cost of living calculator
Become a Dog Sitter - Side Hustle
SHOW NOTES
Danielle and Kyra share how they are able to manage their 6 figure net worth portfolios as Busy Moms. Hear why they chose to self manage instead of hiring a professional.
Want more day to day Mama Money saving tips? Find us on IG, Tiktok, Youtube, and our Blog!
What you will learn:
- Danielle shares her story about going to a Financial Advisor and being handed Fee after Fee!
- Kyra shares the basics steps of self managing, and what to do in Early retirement
- Find out when to call on a professional to help manage your finances
- Mama we want you to know, You are not alone on your journey, in fact we want to be by your side coaching you all the way to Financial Success!!!
SHOW NOTES
Danielle and Kyra share the secrets of talking to your Spouse about Money. Find out what their husbands said when they shared they wanted to save 50% of their income and live a frugal lifestyle!
What you will learn:
- What to do if your Spouse is triggered by money topics.
- Danielle shares how to compromise with your budget
- Kyra shares money date secrets, cash envelopes, and defining your WHY as a couple
- Mama we want you to know, You are not alone on your journey, in fact we want to be by your side coaching you all the way to Financial Success!!!
Want more day to day Mama Money saving tips? Find us on IG, Tiktok, Youtube, and our Blog!
SHOW NOTES
Danielle and Kyra share their most recent Blog post from Scrunchyfi.com. “Budget Traveling & Free Hotel Stays,” and “Are you stuck in a limiting mindset”.
Want more day to day Mama Money saving tips? Find us on IG, Tiktok, Youtube, and our Blog!
What you will learn:
- Mama we want you to know, You are not alone on your journey, in fact we want to be by your side coaching you all the way to Financial Success!!!
Links from the show:
Budget Traveling & Free Hotel stays
Are you Stuck in a limiting mindset
SHOW NOTES
Danielle and Kyra talk about how they are on track to Retire by 40! They share how they are 2 ordinary income earning Mama’s, who have had student loan debt, car loan debt, taken lots and lots of maternity leave, and still have been able to forge a path to Financial Independence, Retire Early, and make Work Optional!
What you will learn:
- Danielle shares how she is a Social worker making average income!
- Kyra shares the tools she used to save for retirement
- Find out if you can retire early by using the FIRE calculator
- Mama we want you to know, You are not alone on your journey, in fact we want to be by your side coaching you all the way to Financial Success!!!
Want more day to day Mama Money saving tips? Find us on IG, Tiktok, Youtube, and our Blog!
Links from the show:
Fire calculator
Compound interest calculator
Thoughts from Financially Independent Mom’s : Trapped by Materialism,
SHOW NOTES
Danielle and Kyra share their most recent Blog post from Scrunchyfi.com. “Are you Trapped by Materialism?” and “College Hack your Tuition”.
What you will learn:
- Understanding the why behind your purchase, is it a Want or a Need?
- Replace shopping with habits that are free, wholesome, and sustainable.
- How to Hack your College tuition with Dual Enrollment and Clep exams
- Mama we want you to know, You are not alone on your journey, in fact we want to be by your side coaching you all the way to Financial Success!!!
Want more day to day Mama Money saving tips? Find us on IG, Tiktok, Youtube, and our Blog!
Links from the show:
Are You Trapped by Materialism?
The Myth of Normal: Trauma, Illness, and Healing in a Toxic Culture
College Hack your Tuition
SHOW NOTESDanielle and Kyra talk about raising their next generation of financially independent children. They share how they are normalizing talking about money in everyday situations. Find out how they are laying a foundation of financial wisdom for their children to grow into. Stay tuned to the end to hear some great money saving tips for Moms!What you will learn: You cannot buy your way out of Mom Guilt! Should we be a financial safety net for our children? Danielle shares how the greatest investment for her kids is educating them. Kyra shares how she is teaching her kids about a financially independent lifestyle. Mama we want you to know, You are not alone on your journey, in fact we want to be by your side coaching you all the way to Financial Success!!!Want more day to day Mama Money saving tips? Find us on IG, Tiktok, Youtube, and our Blog!
SHOW NOTES
Kyra and Danielle talk about their lifestyle choices they made in their past that set them off on a Financial Independence Journey of a lifetime! Hear about their first jobs! Saving for their first big money goals, and how their lives changed as they discovered Financial Independence.
What you will learn:
- Danielle Traveled the world at 16 studying abroad on her own terms!
- Kyra college hack helped her save 60% on her college tuition!
- Danielle Rented her couch out on Airbnb to help pay boost her low income in the California Bay Area!
- Mama we want you to know, You are not alone on your journey, in fact we want to be by your side coaching you all the way to Financial Success!!!
Want more day to day Mama Money saving tips? Find us on IG, Tiktok, Youtube, and our Blog!
Links from the show:
Become an Airbnb host
Duel Enrollment
Continuation School
Employer College Support
SHOW NOTES
Kyra and Danielle interview Julie, another scrunchy mama, who is thinking differently about making money and saving money. Hear how Julie was able to travel around Europe while making money; how she never had a car payment; and how she got a Free upgrade through househacking and Airbnbhosting. We hope you are inspired by Julies story and start thinking differently about money, because we know we are!
What you will learn:
- Teaching English abroad to reduce your travel expenses and earn income
- Controlling housing expenses through multiple choice opportunities
- Adulting with a Financial Planner
- Mama we want you to know, You are not alone on your journey, in fact we want to be by your side coaching you all the way to Financial Success!!!
Links from the show:
Househacking
Become an Airbnb host
Kyra and Danielle share where to save money to grow your money. Learn how a High Yield Interest account should be your number #1 savings account! Find out how to feel confident with investing in the stock market, and where to start investing.
We are not your financial advisor, we are 2 mamas sharing our secrets to Financial Independence. Please consult with your personal advisor before taking action!
What you will learn:
- Emergency fund what it is and where to keep it
- Danielle takes the scary out of the stock market
- Kyra shares about Index Funds vs Stock Picking
- Learn some Alternative Investing opportunities you may not have heard of
- Mama we want you to know, You are not alone on your journey, in fact we want to be by your side coaching you all the way to Financial Success!!!
Links from the show:
Vanguard Total Market Index Fund
Series I Savings Bonds
Compound Interest Calculator we love
Capital One High interest account
Ally Bank High interest account
BiggerPockets
Kyra and Danielle share their creative ways on how they control their monthly expenses in this Part 2 of Budgeting for Financial Independence. And learn the secret to their success through mindset spending and expense tracking apps.What you will learn: Danielle shares how her mindset is her secret super power to finding creative ways to cut expenses Kyra breaks down how she was able to cut cost on her monthly bills Why use a budgeting app to track expenses Mama we want you to know, You are not alone on your journey, in fact we want to by your side coaching you all the way to Financial Success!!!Links from the show:Personal Capital Mint Mobile $15/month phone planBuy nothing groupTravel HackingAmazon WarehouseCheap Life insurance for Vegans
Kyra and Danielle share the average American expenses and how they measure up to that standard. Spoiler - $2,000 below average! Find out how they are able to control their expenses in this Part 1 episode.What you will learn: What the average American expenses are, and the top 3 most expensive categories Learn how Danielle is able to slash expenses living in the Bay area of California Find out how Kyra is able to own a home on a $557 monthly mortgage budget Mama we want you to know, You are not alone on your journey, in fact we want to by your side coaching you all the way to Financial Success!!!Links from the show:HousehackingBecome an Airbnb hostBelow Market Rate Housing
Kyra and Danielle share how important it is to change your Mindset to pursue a life of Financial Independence. Its not enough to budget and save, you must shift the way you think about making money and spending money to fast track your way to Financial Freedom.
What you will learn:
- Financial Independence is for everyone, especially Scrunchy Mamas!
- This is a mindset, lifestyle, and a financial goal.
- Danielle prioritized her time to shift her mindset to Financial Independence
- Kyra had to shift from a saving mindset to a Financial Independence mindset
- Following the normy debt trap will leave you working for the rest of your life!
- Mama we want you to know, You are not alone on your journey, in fact we want to by your side coaching you all the way to Financial Success!!!
Links from the show:
Your Money or Your Life
Welcome to the first-ever Scrunchyfi episode! Kyra and Danielle share their Scrunchy Mama story of who they are, how they met, and how they took action to start pursuing Financial Independence.
What you will learn:
- This is a Financial Independence show by Scrunchy Mamas for Scrunchy Mamas
- We want to share our unconventional yet modern approach to Financial Independence
- Find out how Danielle is able to keep housing expenses low while living in the Bay area
- Learn how Kyra took advantage of Househacking to become a SAHM
- Mama, we want you to know, you are not alone on your journey. In fact, we want to be by your side coaching you all the way to Financial Success!!!
Links from the show:
Become an Airbnb host
Mr. Money Mustache
ChooseFI
Early Retirement Extreme
JL Collins
Househacking
Show notes
Welcome to the first ever Schrunchyfi episode! Kyra and Danielle share their Schrunchy Mama story of who they are, how they met, and how they took action to start pursuing Financial Independence.
What you will learn:
- This is a Financial Independence show by Schrunchy Mamas for Schrunchy Mamas
- We want to share our unconventional yet modern approach to Financial Independence
- Find out how Danielle is able to keep housing expenses low while living in the Bay area
- Learn how Kyra took advantage of Househacking to become a SAHM
- Mama we want you to know, You are not alone on your journey, in fact we want to by your side coaching you all the way to Financial Success!!!
Links from the show:
Become an Airbnb host
Mr. Money Mustache
ChooseFI
Early Retirement Extreme
JL Collins
Househacking