radmoney: Recent Episodes
radcoaches
Not just another “how-to” podcast for your finances - radmoney will change the way you think and act!
Because you don’t need more “tips” - you need a better understanding of yourself, and how money plays a role in your life.
Every episode will be about our habits, behaviors, relationships, the psychology of money - and so much more!
We're your hosts Rebecca Brooks & Dylan Pollock! We’re partners in life, and in business, and we’re so excited to share our combined knowledge with you!
Follow us: @radcoaches Learn more: www.radcoaches.com
Trust and managing money with your spouse go hand in hand. Which is why this week we’re prompting you to ask yourself - Do I trust my spouse with money, and does my spouse trust me with money?
Building trust with another person takes time and most of us aren’t really sure exactly how it’s done. We’re definitely not conscious of the sneaky ways we reveal that deep down - we don’t trust our partners with money. At least as much as we like to tell ourselves we do.
But just as others might think this topic is off limits - to us that means it’s fair game. Because some of the problems that you may be having in your marriage when it comes to managing money and making financial decisions together, might be rooted in an issue with trust.
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Do you want conversations about money with your spouse to improve?
Does getting your partner to talk about money feel like pulling teeth?
Even though you talk about money often, would you like it to be easier, even fun?
In this episode, we are giving you 5 tips to help you have better money conversations with your spouse and start building financial intimacy in your marriage.
Because believe it or not, conversations about finances can actually be exciting when they’re focused on opportunities and designing your life together!
Even better - these tips don’t just work for conversations about finances. These principles can help you make any difficult conversation easier. Especially conversations that require a lot of trust and vulnerability.
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Many of us are guilty of committing Financial Infidelity on one way or another. When you think of Financial Infidelity you probably think of big, dramatic offenses like living second lives and gambling addictions. But there are many subtle ways you could be committing Financial Infidelity that cause big problems in your relationship.
In this top episode, we tackle this spicy topic and share our perspective as a married couple who's guilty of financial infidelity - and as Financial Coaches for Married Couples!
RESOURCES:
SNL Skit
How to Start A Money Fight in Under A Minute
Keeper Password Management
Credit Reports (Please never pay for one)
Episode 18 | How to Talk About Money with Your Spouse (Without it Turning Into an Argument)
You don't want to retire. You want Financial Independence. It comes when you have enough money that work becomes optional.
So how do you get there? What does it take to become financial independent? You need 3 financial habits.
In this episode we breakdown the difference between retirement and financial independence. How liabilities are preventing your from building wealth. The importance of your cash flow, and why you have to pay yourself first.
After listening to this episode - you will never think of money management the same way again! Once you adopt these habits you and your spouse will be well on your way to Financial Freedom, building wealth and eventually Financial Independence.
Join the $1Million (1Million Penny) Challenge!
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You want to do more than just pay the bills and save a little every month.
You want to see serious growth in your Net Worth!
In this episode we share 3 things that every couple needs to master so they have more money every month!
- Financial Flexibility
- Communicate about Money
- Respect & Understanding
RESOURCES:
18 | How to Talk to Your Spouse About Money (without it turning into an argument)
Get the book from the episode: Thriving in Love and Money Book by Jeff and Shanti Feldhahn
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It’s finally summer which means it’s time for road trips, fun at the beach, and days at the lake!
But a summer filled with good times can get expensive quick. So how do you balance reaching your money goals with enjoying your summer vacation? No worries- we have you covered!
Travel is a HUGE part of our lifestyle and our story. We’ve crossed this country more than a few times, and we’ve learned a thing or two about stretching a travel budget for weeks!
From camping our way across the country, to top resorts and bed and breakfasts in over 30 states - we know a thing or two about having a great time traveling while sticking to a travel budget.
In this episode we share practical tips anyone can and should use to make their money go further for summer travel!
RESOURCES
Get GasBuddy *use our Code EDY5G5F
Join AAA
Money Saving Travel Blog
Millennials Traveling on Credit Card Debt
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With our business growing and being in a very busy season of our lives - we've decided to take a break from recording new episodes.
As we focus on serving our clients, we're taking a step back from long-form content. But we're committed to continue providing free resources that help you improve your financial life. So we will be returning late Summer - early Fall with new episodes!
In the meantime - we will be re-publishing top episodes and listener favorites, and we hope you'll connect with us in other ways.
Oh and if you haven't already, subscribe to the show to learn how to effectively manage money with your spouse and build real wealth in 2024-2025!
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Make the most of your money and optimize your income by using this slept on budget strategy!
Ready to master money management once and for all?
Get access to the exact tools our clients use to optimize their income and build wealth in the Cash Flow Freedom Framework
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Finding time to manage money as a married couple is difficult. But there are ways to make it easier. One way to simplify how you manage your finances is reviewing the accounts you use and organizing your finances.
Too many people complicate their finances by having too many checking, savings and credit card accounts. That is why we developed The Streamline Shared Account System, our method for making managing money as a married couple as easy as possible! It’s the system we developed and personally use to manage our money. It's also the system we teach our clients that takes the stress out of managing money together.
In this episode we explain the SSAS and how it helps Married Couples improve how they manage their money. Making it easy for you to track expenses, collaborate and make financial decisions as a team.
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With the cost of food going up over the past few years, we’ve seen grocery bills skyrocket! According to the FDA, 30-40% of food in America is wasted. Another study estimates that the average family household throws away approximately $1,000 of food each year!
This week we’re sharing tips to help you save money at the grocery store and reduce your annual food cost by eliminating personal food waste.
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RESOURCES
14 Ways to Save Money on Groceries
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One myth about “going green” is that it’s more expensive, and while in some instances that is true – there are many ways you can go green and immediately start saving money!
In this episode we're discussing some of our personal lifestyle choices and philosophies as consumers that help us lower our carbon footprint while saving money. We also talk about the positive impact that practicing good stewardship can have on your wallet and the environment.
Because believe it or not, personal finance and environmentalism communities share many parallel beliefs. Concepts such as money mindfulness, intentional living and informed financial decisions, align with minimalism, sustainability and living a more environmentally conscious life.
RESOURCES
How to Save Money and the Environment [BLOG]
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This common expense is one of the worst things to spend your money on! Which is why we're warning you about this wasteful expense.
Plus sharing a few easy swaps that will help you save small amounts of money that add up over time!
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Have you ever thought about what it would be like to live in a Tiny Home?
If you’re like us, you’ve definitely watched shows about tiny living, and considered if it was right for you. Especially in the past few years with the cost of living and the average price of a home having skyrocketed!
That’s why this week we welcomed guest Laura Lynch CFP® ABFP™ AAMS® CDFA® onto the show to discuss the concept of tiny living as a pathway to Financial Freedom. Join us as we hear about Laura's personal journey making the move to tiny living and her desire for a more resilient and sustainable future where she gets to pursue her interests, free from the limitations of a 30-year mortgage.
We also discuss the financial implications of downsizing, including the benefits of reduced housing costs, utilities, and accelerated debt freedom. Plus special considerations for financing tiny homes, and the broader implications for retirement planning and lifestyle choices.
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Have you tried to start a new habit like budgeting, cutting up your credit cards and vowing only to eat at home...only to give up a week later and return to all of your old habits that you wanted to change?
If so, you're not alone!
There is a better way to go about sustainably changing your financial habits so that you can consistently get results! This weeks Monday Micro Money Tip we're sharing how to think about habit change for the biggest long term impact on your financial future.
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A recent study reported the value of a High School course on Personal Finance. Based on the research, a single-semester course is worth an estimated $100,000 over the course of a lifetime!
This demonstrates what we’ve always known to be true. That investing in your financial education is the best investment you can make. But that begs the question - are you investing in YOUR financial education?
Whether you received an education in personal finance or not, it’s on each of us to continue learning so that we can avoid costly mistakes and build wealth.
Since April is Financial Literacy month, we’re talking about the ROI (return on investment) of a financial education. Plus, what’s at risk if you fail to invest time and money learning how to manage your personal finances.
RESOURCES
📚 Read These Personal Finance Books to Increase Your FI-Q
Check the Financial Literacy education requirements in your state in the 2024 Survey of the States from the Council of Economic Education
Learn more about Financial Literacy programs for schools K-12 in your state
Junior Achievement
Dave Ramsey Foundations
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When most people try to save money they simply try to cut back on spending, hoping that they will have money left over at the end of the month to put in their savings. But this approach is completely backwards!
There is a better, more effective way to save money that helps guarantee your success and ensure that you reach your savings goals. It's called paying yourself first and it's a fundamental budgeting habit of every successful couple.
Here how to pay yourself first and about the additional habits you'll need to execute this strategy in this weeks Monday Micro-money Tip!
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There are a lot of myths about budgeting that need to be debunked. Because believing these myths can prevent you from taking action on something that will help you improve your finances!
We see these budgeting myths perpetuated in a lot of ways. From money conversations and spending pressures in your circles of friends. To advice from family members, and the media.
But these myths and limiting beliefs are exactly that - limiting. In this episode we’re debunking these budgeting myths once and for all.
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If you want to build wealth, but you don’t like the idea of a budget, you’re due for an upgrade on your Money Mindset! Because budgets aren’t limiting, your mindset is!
This week we’re sharing why getting to budget is not only important for those who are serious about Financial Freedom. It’s also an opportunity to align your money with your values and prioritize what’s most important.
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This week we’re going to take advantage of the extra Spring energy to check in on our overall financial health.
We’re getting organized, closing out tax season to-do’s, and checking in with our goals for the year! Now is the perfect time to check-in on your progress and strategically adjust your strategy to get the results you really want.
Take care of these 5 financial chores to make 2024 the year you crush your financial goals!
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RESOURCES
IRS W4 Tax Withholding Calculator
Check Your Credit Report for FREE!
How to Travel This Summer Without Going Into Debt
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This week we’re sharing our favorite reasons for weekly money dates. Before you tell yourself "I don't need to do that" hear us out!
Because scheduling money dates can be a game changer when you’re trying to get intentional about your finances.
Especially if you struggle to be consistent, or one (possibly both of you) tend to avoid talking about money!
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Having a different opinion than your spouse about financial issues is perfectly normal. But when talking about money turns into arguing about money, that can make building wealth impossible.
Even if you don't argue about money but you struggle to agree on a strategy and can't see a clear path forward - that is costing you big time!
The longer you go without a strategy, the more you miss out on intentional saving and investing. Which is why we want to help you stop arguing about money and learn to make better financial decisions together.
In this episode of the radmoney podcast we dig deep into:
- Disagreeing about how money should be used.
- Battling different money management styles
- Struggling to agree on your top priority
- How to work through these differences and what to focus on instead.
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"Should I invest or pay off debt first" is one of the top questions we hear from our clients and audience. It's no wonder when it can feel almost impossible to do both at the same time. So this week we're sharing our perspective on one of the top debated issues in personal finance!
We'd love to hear your thoughts on the topic! Share what you think of this episode with a review on apple or Spotify.
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This week we’re talking about our favorite topic - Cash Flow!
We’re sharing 6 strategies to help you increase your Cash Flow. Breaking down 3 ways to decrease your expenses + 3 ways to increase your income. And since we’ve personally used all 6 of these strategies we know they work! So whether you choose to do some or all of them, you will get results.
But despite all of these strategies being simple they’re not necessarily easy. So although anyone can employ these strategies, we know that not everyone is willing to do what it takes.
The question is, are you willing to put in the work to increase your Cash Flow and start building wealth?
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Earning interest from a High Yield Savings Account is the easiest way to start earning passive income. Yet only 82% of Americans are benefiting from having one of these accounts!
In a High Yield Savings Account you could be earning between 4-5% interest on your savings. That's more than $600/year on a $15,000 Emergency Fund.
While that's not going to make you rich. It's more than that savings account you got when you opened your checking account.
Looking for an account? Check out the HYSA we use from Discover
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Talking about personal vices, like how much we drink, is taboo enough.
But asking someone how much they spend on their drinking? That's a whole 'nother level of real talk.
Most people aren't too eager to know how much they spend on things they're not exactly proud of...
From beer and wine to drugs and clubs. If you're not honest about how much you spend on these things, you're setting yourself up for failure.
🙅♂️🙅♀️ Most financial experts would never talk to you about this. That's exactly why we knew we had to.
In this week's episode of the radmoney podcast we share about
- Our Beer Money Savings Challenge
- Dealing with an Identity Crisis - "Am I a 'Heavy Drinker'?"
- Showing up as Your Best Self
- Ways to Reflect on Your Habits
- Suggestions for Habit Change
If you need help overcoming addiction, please seek professional help and find treatment near you - HERE.
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Don’t make this common mistake with your tax refund.
We give this one piece of advice to all of your clients when they expect any kind of windfall. Instead of deciding what you will do with the money after you get it. Have a plan for how you will use the money.
Regardless of how much money you will get, you should have a plan for how a windfall can help you reach your top financial goal. Listen to learn more about this strategy!
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Want to make it easier to manage your money? Start by getting your finances organized and creating a system that is simple and easy to use!
One of the top challenges people face with their finances is lacking a system that makes financial decisions easy. Instead most people tend to overcomplicate and overthink their approach.
But if you want to pay off debt, save money, or invest more than you need a simple, easy to use system to manage your finances.
In this episode we’re sharing how we organize our finances to make managing money an absolute breeze!
You need the right tools 5:19
Understand your Cash Flow 9:45
Calculate your Net Worth 11:03
Organize and streamline financial accounts 14:46
STEAL OUR STRATEGY
Take the course CASH FLOW FREEDOM FRAMEWORK
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Can your weekly money meeting (date) with your spouse actually be a way to connect? Absolutely!
This weeks Micro Money Tip is all about how to get financially intimate with your spouse and make your money dates sexy!
We share what to focus during your money date, how to frame the conversation and some ideas for what to do after the meeting has concluded... ;-)
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When we decided to get serious about our finances, pay off our debt and reach Financial Freedom - we had no idea the benefits it would bring to our marriage!
Of course there were the obvious benefits that motivated us to protect our marriage. Less stress, fewer arguments and having the freedom to travel more.
But what we didn’t know was how learning to work together toward a challenging goal was going to help our marriage not just survive, but thrive!
What we realized much later was that through the process we cultivated Financial Intimacy in our relationship. Rather than financial issues being something that pushed us apart, it brought us together. All the while building trust, learning to communicate effectively, and other “soft skills” necessary to reach financial goals.
- Financial Intimacy helps you connect with your spouse
- Financial Intimacy and reaching Financial Freedom
- Getting through challenges
- Discussing financial needs and values
- Budgeting negotiations and building trust
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Whether you're openly talking about it or not, you're communicating your values around money from the very first date. From the car you drive, to what you wear and where you go, you're sending and receiving signals about your financial habits and values.
But when do you start talking about money more directly and what do you talk about?
As Financial Coaches for Couples we share our opinion on when and how to bring up the topic.
Plus some personal dating horror stories of how things can go terribly wrong when you aren't conscious of your finances on the dating scene.
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Join us for our first Ask us Anything episode where we're doing our best to answer listeners questions about all things personal finance.
In this episode we discuss...
- How to think about and manage medical debt
- The importance of saving before investing, and
- How to build wealth once you're debt free and ready to invest aggressively!
We hope you enjoy it!
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Feel like you're not making any progress paying off your student loans? That's probably because you're not using this strategy!
If you're committed to getting out of student loan debt then this episode is about to completely change and improve your approach to get you out of debt as fast as possible!
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Don’t make the big mistake of thinking that creating an Estate Plan is something you can get to later.
No one wants to talk about death and money, but none of us know how much time we have either.
At radcoaches we know how important it is to, not only ensure your personal financial future, but to protect and provide for your family and preserve your legacy.
That is why we invited our friend and Estate Planner Peter Harrison on to the show! In this conversation we explore the details of an estate plan and what you need to start thinking about for your financial strategy. As you will learn, Estate Planning has nothing to do with your age, but your unique needs and lifestyle.
RESOURCES
Peter Harrison and Trailhead Estate Planning
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Depending on what personal finance experts you listen to, you’ve probably heard contradicting thoughts on credit cards.
At a young age most of us are encouraged to get a credit card at 18-years old so we can start building credit. But many Americans are in credit card debt. Which is why many debt free communities swear credit cards off for life!
But is there a third option? Can you benefit from using a credit card, without going into debt? Tune in to hear our take on how to use a credit card and still live debt free!
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We talk a lot about talking about money, for good reason! There’s no overlooking how important it is for a good relationship to have good communication. Especially about finances.
But when it comes to talking about money it’s easy to find yourself always just talking about the numbers. While that’s helpful - it’s not the only thing you need to discuss when you’re working on creating your roadmap to Financial Freedom.
Whether you’ve been managing money as a couple for a few days or a few years, these conversations are ones you need to have!
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Trying to decide how much money you need in your Emergency Fund? Want to know how much extra cash flow you have each month to put towards your goals? Then you need to know this important metric for your finances!
Tune in and learn how to quickly calculate your burn rate to make financial decisions easier!
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In our opinion, how you think about money, status, and the world is more important than how high (or low) of a Financial IQ you have. So this week we're sharing 3 mental habits that are creating mental blocks and keeping you financially stuck. If you struggle with one (or all) of these - we're here to help you break free!
When you're focusing on things you cannot control like the economy, constantly comparing your salary or Net Worth to others, or focusing on other peoples lives rather than your own. Then you give up your personal power and lose the ability to make changes and move toward your financial goals.
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Every year “improving your finances” or “being better with money” is a top New Year Resolution for Americans. But if you’ve had these resolutions before and failed to get results, there’s a good reason!
Most financial goals and New Year resolutions are flawed from the beginning. It all has to do with how the goal is created in the first place. In this week's episode we’re breaking down what it takes to create an effective money goal, with helpful examples and additional resources below.
RESOURCES
Setting Powerful Financial Goals [Step-by-Step]
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If you want to improve your finances but you’re not sure where to start, or what to do next, this episode is what you need.
In this episode we lay out the roadmap for making yourself financially resilient, reaching Financial Freedom and getting started building wealth. We also share our insights on the importance of each step and what obstacles and challenges you will have to overcome to get it done.
RESOURCES
EP 24| The Best Account for Your Emergency Fund - Monday Micro Money Tip
EP 28| The Best Way to Pay Off Debt - Monday Micro Money Tip
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It can be tempting to over optimize your finances and chase returns. But don't make this big mistake with your emergency fund!
If you’ve ever wondered where to keep your emergency fund to get the best return - listen to what personal finance experts have to say about your Emergency Fund. Learn why it’s important to keep your emergency fund in cash, even when you could get a higher return elsewhere.
RESOURCES
The Best Savings Account for Your Emergency Fund
How to Choose a Savings Account
Discover High Yield Savings Account
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Have you ever asked yourself WHY your spouse doesn’t want to talk to you about money?
Reasons like “I’m just not interested” or “I don’t care about money” brush over what’s really going on. You need to know the actual, deeper reason why your husband or wife doesn’t want to talk to you about money. Only then can it be addressed and overcome as a team.
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Want to take your budgeting up a notch? If you’re ready to stop focusing on the day-to-day month-to-month bills, and instead start looking at the bigger picture. Then this week’s Monday Micro-Money Tip is for you!
If you feel like you’ve maxed out the benefits of your basic monthly budget, this tip will help you level up your budget game and save you tons of time!
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You want to do more than just pay the bills and save a little every month. You want to see serious growth in your net worth! There's just one problem... your spouse avoids talking about money because it leads to arguments. The two of you end up doing your own thing and progress is minimal.
If that's you - you're going to want to listen to this week's episode. We’re sharing 3 things that every couple needs to master so they can start to make progress and have more money every month!
Get the book from the episode: Thriving in Love and Money Book by Jeff and Shanti Feldhahn
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In this week's Monday Micro-Money Tip - we’re giving you one tip to keep you from making this costly investment mistake! It could cost you years of retirement, or even keep you from retiring at all.
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Everyone struggles with this one self sabotaging behavior. When left unchecked it will keep you from reaching your goals. We've seen how it makes managing money and building wealth so frustrating for some clients that they just give up!
In this episode we’re talking about why so many of us struggle with this self sabotaging behavior when trying to reach big financial goals. Plus tips for how to tell when/if you’re doing it and what you can do to overcome it.
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Welcome to this week's Monday Micro-Money Tip - where we give you one tip to improve how you manage money in 5-minutes or less.
When was the last time you calculated your Net Worth?
Have you ever sat down and put all your assets and liabilities in one spreadsheet that would tell you exactly where you stand?
In today's Monday Micro Money Tip we’re teaching you about how to calculate your Net Worth and why we believe the end of the year is the best time to do it!
RESOURCES
📊 Start Tracking Your Net Worth Today!
Get the Debt Free Holiday Cheat-sheet!
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We’ve all heard someone say it at some time or another. “Women are just more emotional than men!”
But how true is that really? Particularly when it comes to making financial decisions and how we choose to spend, save and invest our money.
In this episode of the radmoney podcast we’re digging into the difference between how men and women let emotions impact the way they make financial decisions.
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Welcome to this week's Monday Micro-Money Tip - where we give you one tip to improve how you manage money in 5-minutes or less.
If you have a FSA [Flexible Spending Account] this tip is for you!
It’s time to strategize ways to make the most of the money in this account, above the $610 rollover limit. Find ways to invest in your health and review your contributions for next year so you don’t lose your hard earned money!
RESOURCES
Want to see if something specific is FSA Eligible?
Check out the FSA Eligibility List
Shop the FSA Store
Get the Debt Free Holiday Cheat-sheet!
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In the past 10 years, we've learned more about personal finance, business, real estate, and investing than we could have imagined!
If we knew as much then as much as we do now...our life would probably look a lot different.
We're sharing these hard learned lessons with you so you can shorten your learning curve and speed up your journey to financial freedom!
Get the Debt Free Holiday Cheat-sheet!
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Welcome to this week's Monday Micro-Money Tip - where we give you one tip to improve how you manage money in 5-minutes or less.
Did you know you still have time to contribute more to your Employer funded 401(k) accounts?
This week Financial Coaches Rebecca & Dylan are reminding you to check your total 401(k) contributions this year! Haven’t hit the employee limit of $22,500? Consider adjusting your December contributions!
RESOURCES
- Learn More About 401(k) Contribution Deadlines
- IRS 401(k) Resources
- Get the Debt Free Holiday Cheat-sheet!
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Do you struggle with impulse shopping? Maybe you just want to be a smarter shopper and learn how to be better with how you spend your money.
This episode we dive deep into impulse shopping, why we do it, what makes it worse and what steps you can take to take control. Listening to this episode to learn how to stop impulse shopping shopping for good using this easy self assessment. Plus learn what it means to practice what we call mindful consumption and be an intentional shopper.
What is Impulse Shopping? 3:58
What Impulse Shopping Looks Like 5:14
The Opposite of Impulse Shopping 8:17
The Downsides of Impulse Shopping 12:47
How to Stop Impulse Shopping for Good 14:50
How to Practice Mindful Consumption 16:05
Impulse Shipping Self Assessment 19:10
Benefits of Mindful Consumption 21:53
RESOURCES
Get the Debt Free Holiday Cheat-sheet!
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Welcome to this week's Monday Micro-Money Tip - where we give you one tip to improve how you manage money in under 5-minutes, every Monday.
Do you want to make a donation on Giving Tuesday, but you’re not sure how much you can afford?
Want to have a positive impact on the world around you, but don’t have the money to give as generously as you’d like?
This week’s episode Financial Coaches Rebecca & Dylan are discussing giving generously while working toward your financial goals this Giving Tuesday
RESOURCES
Charity Navigator
Free Ways to Participate in Giving Tuesday
Get the Debt Free Holiday Cheat-sheet!
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You’ve likely heard a ton of podcasts and seen a ton of content online about how a gratitude practice is an excellent habit.
But we guarantee you’ve never heard anyone talk about gratitude like this.
In this episode we’re diving deep into using a gratitude practice to cultivate impulse control and make better financial decisions.
While also improving your marriage and bringing you closer together as a couple.
Do I Really Need a Gratitude Practice? 4:18
Financial Benefits of Gratitude 12:10
How Gratitude Practice Improves Your Relationship 21:34
How Gratitude Helps you Manage Money as a Couple 28:55
Gratitude Increase Relationship Satisfaction 29:15
How to Start Your Gratitude Practice 33:40
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Welcome to this week's Monday Micro-Money Tip - where we give you one tip to improve how you manage money in under 5-minutes.
Do you struggle with impulse shopping during the holidays?
Do you find all of the discounts and deals too good to pass up?
This week’s episode Financial Coaches Rebecca & Dylan are sharing how to shift your money mindset this holiday season. Learn how to go from financial self sabotage, to mindful consumption and start aligning your money with your values!
Get the Debt Free Holiday Cheat-sheet!
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Get strategic about your holiday shopping this year!
Black Friday will soon be upon us which means it’s time to prep your holiday spending plan. In this episode we share 7 shopping tips to help you save the most money possible. While also sticking to your budget and ensuring you reach your financial goals before the end of the year.
Learn how to save money with very little effort…..
Know What You Can Afford 4:06
Create your Shopping List 5:26
Sign-up for Newsletters 8:05
Unsubscribe from Tempting Sales Emails 8:48
Save Money Using Browser Plug-Ins 9:21
Uninstall Shopping Apps 11:00
Delete Saved Credit Cards from Browsers and apps 12:40
RESOURCES
Download our favorite browser plug-in Honey 🍯
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Welcome to this week's Monday Micro-Money Tip - where we give you one tip to improve how you manage money in under 5-minutes, every Monday.
In this week’s episode Financial Coaches Rebecca & Dylan are sharing 3 credit card strategies to help you save money on holiday expenses.
From maxing out the rewards you earn, to making sure that you can pay off the full credit card balance at the end of every month. You'll want to take action on these tips ASAP!
Get the Debt Free Holiday Cheat-sheet!
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Part 2 of the Keeping Financial Stress From Ruining Your Holiday Series
The holiday season is officially underway and that means spending lots of money and potentially loads of financial stress. We’ve already seen the decor, sales and promotions for Christmas and we’re still months away! What used to just be Black Friday has become ‘Gray November’ a marathon of sale after sale from November to mid-January.
Which is why we’re helping you be intentional and have a strategy for your shopping and holiday merriment this year. So you can shop smart, avoid the financial stress and enjoy what this season is really about!
Get the Debt Free Holiday Cheat-sheet!
TIMEMARKS
Commit & Stick to Your Holiday Spending Plan as a Couple 1:45
Act as a United Front 5:05
Shop with Cash 9:26
Create Holiday Memories - on a budget 12:33
Spending Quality Time With Your Spouse 14:54
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Welcome to this week's Monday Micro-Money Tip - where we give you one tip to improve how you manage money in under 5-minutes, every Monday.
In this week’s episode Financial Coaches Rebecca & Dylan are warning you not to make financial decisions based on these 2 things. If you decide to buy something based on these two things you’re likely struggling to feel like you’re making the progress you want with your financial goals.
Instead we offer 2 alternatives to help you make better financial decisions and master your money management once and for all!
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The holiday season is officially underway and that means spending lots of money and potentially loads of financial stress. We’ve already seen the decor, sales and promotions for Christmas and we’re still months away!
What used to just be Black Friday has become ‘Gray November’ a marathon of sale after sale from November to mid-January. Which is why we’re helping you be intentional and have a strategy for your shopping and holiday merriment this year.
So you can shop smart, avoid the financial stress and enjoy what this season is really about!
Get the Debt Free Holiday Cheatsheet!
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We’re back from our break and ready to create more amazing episodes of radmoney!
We’re excited and ready to help you manage your money through the holiday season. Plus, of course, more episodes and resources to help you to improve your finances and your marriage.
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In this special episode we’re going behind the scenes to talk about our podcasting journey, learning to create a podcast as a couple. We're sharing the highs and lows, our personal favorite episodes so far and everything else along the way!
OUR FAVORITE EPISODES:
Dylan's Favorites
6 | Is Financial Equality in a Relationship Important?
33 | Are We Headed for a Recession? 3 Ways to Recession Proof Your Finances
Rebecca's Favorites
31 | 4 Signs There is No Financial Intimacy in Your Marriage
37 | Are you Guilty of Financial Infidelity? 4 Ways to Create a Marriage Free of Financial Infidelity
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Today we are exposing seven common excuses that are keeping you from reaching the next level of financial success.
Whether it's breaking the paycheck to paycheck cycle, paying off all your debt, reaching financial freedom, or even reaching financial independence. Whatever the next level is for you, some of these excuses might be keeping you stuck exactly where you're at.
But every time we make an excuse, we're giving up our power to actually make positive change for ourselves.
So in this episode we want to help you eliminate these limiting beliefs and replace them with something that's going to help you up level your financial game.
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Welcome to this week's Monday Micro-Money Tip - where we give you one tip to improve how you manage money in under 5-minutes, every Monday.
"Align your money with your values" is a statement thrown around the personal finance space more than chalk in a climbing gym... But what does it even mean? Much less, how do you actually do it?
In this week’s episode Financial Coaches Rebecca & Dylan explain what it means to align your money with your values and how you can start thinking about the way you use your money that brings joy and fulfillment to your life!
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We like to joke that we became Financial Coaches approximately 5-minutes after it became a thing.
As a new and growing profession with more Financial Coaches entering the field every day, it can be difficult to know who to work with. But most people (although they might be too embarrassed to admit it) aren't even sure what we do!
After 4-years and counting as Financial Coaches - we’ve heard a handful of frequently asked questions and we’re answering them all today.
What is a Financial Coach and what’s the difference between a coach and an advisor? Most importantly - 3 easy ways to tell if you would benefit from investing in working with a Financial Coach!
TIMEMARKS
- What do Financial Coaches Actually Do? 2:13
- 3 Ways Financial Coaches Provide Value 3:56
- Financial Coaches with Specialties 7:30
- What Financial Coaches Can and Cannot Help You With 8:43
- Difference Between a Financial Coach and Financial Advisor 9:43
- How to Use Financial Coaches and Financial Advisors Together 10:35
- How to Find the Right Financial Coach for You 11:14
- How to Tell If You Would Benefit from Working With a Financial Coach 15:52
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Welcome to this week's Monday Micro-Money Tip - where we give you one tip to improve how you manage money in under 5-minutes, every Monday.
In this week’s episode radcoaches Rebecca & Dylan talk about the importance of intentionally building trust in your relationship, specifically with money!
If you want to have Financial Intimacy and to work together to build wealth, you and your spouse will need to trust each other fully! But something like that doesn’t happen by accident, it takes intentional action.
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Trust and managing money with your spouse go hand in hand. Which is why this week we’re prompting you to ask yourself - Do I trust my spouse with money, and does my spouse trust me with money?
Building trust with another person takes time and most of us aren’t really sure exactly how it’s done. We’re definitely not conscious of the sneaky ways we reveal that deep down - we don’t trust our partners with money. At least as much as we like to tell ourselves we do.
But just as others might think this topic is off limits - to us that means it’s fair game. Because some of the problems that you may be having in your marriage when it comes to managing money and making financial decisions together, might be rooted in an issue with trust.
TIMEMARKS
Learn to Build Trust with Your Spouse 1:34
Degrees of Trusting Your Spouse with Money 6:58
Why It’s Hard to Trust Your Spouse with Money 10:51
You and Your Partner Do Not Value the Same Things 11:11
You Think Your Spouse is Bad With Money 13:39
Your Relationship Might Fail 15:53
It’s Difficult for You to Trust in General 20:13
Building Trust Takes Intentional Action 26:42
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Welcome to this week's Monday Micro-Money Tip - where we give you one tip to improve how you manage money in under 5-minutes, every Monday.
We know you’re busy and want to manage your money as efficiently as possible.
But watch out for this common money mistake that couples make all of the time!
Not only can this make managing money together frustrating. It can also be putting your spouse at risk of not being able to access money when it’s needed the most.
That's why in this week’s episode, radcoaches Rebecca & Dylan share how divvying up the financial chores is NOT the place to divide and conquer.
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As a married couple of financial coaches we view our relationship and the financial decisions we’ve made through a unique lens. Which is why this week we’re sharing 5 ways we have intentionally set our marriage up for success. Many of which have to do with how we use money and the financial decisions we have made as a couple.
With over 10-years in a relationship under our belt (7 as a married couple) we’ve moved through the season of transition from you and me, to us. We hope this episode blesses you with ideas for how you too can set your marriage up for success, and enjoy the gift of a strong marriage.
TIMEMARKS:
Financial Coaches for Married Couples 2:28
Tips for Success - Regardless of Marital Status 5:20
Working on the Relationship Before we “Needed” To 6:02
Identifying Threats and Expressing Grievances Early 8:37
Avoid Anything That Could Lead to Resentment 11:59
Let Your Spouse Take Opportunities Without You! 15:10
Intentionally Scheduling Quality Time 19:42
Prioritizing Our Marriage Over Everything Else 24:30
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Welcome to this week's Monday Micro-Money Tip - where we give you one tip to improve how you manage money in under 5-minutes, every Monday.
If you have credit card debt that you’re struggling to get out of- you may have considered using a balance transfer or a personal loan to consolidate credit card debt.
But is that really the best way to pay off debt?
In this week's episode radcoaches Rebecca & Dylan weigh in on credit card debt consolidation and how to make sure you get the most out of this tool for paying off debt.
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Do you and your spouse struggle to see eye-to-eye when it comes to how you manage your money? Have you ever wondered why your husband or wife uses money the way they do?
It may be an issue of having a different money mindset than your spouse!
For us, our different views on money started to clash early on. From how much we felt comfortable spending on date night, to setting goals as a couple to one day buy our first home. We didn’t know it at the time but we were dealing with two very different money mindsets.
This definitely created challenges in our relationship and our marriage. Early on we struggled to understand why it felt like we were speaking a different language when it came to managing money, dreaming big and designing a life of abundance!
Listen to how we overcame these challenges and started to work together in this week's episode of radmoney - the finance podcast for Millennial Married Couples!
TIMEMARKS:
He’s in Scarcity and She’s in Abundance 2:15
What is a Money Mindset? 5:10
What are the Types of Money Mindsets? 5:48
Growth Mindset vs. a Fixed Mindset 7:45
How Different Money Mindsets Create Challenges in Marriage 10:34
How We Worked Through Having Different Money Mindsets 12:35
The Impact of Money Story on Money Mindset 20:20
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Welcome to this week's Monday Micro-Money Tip - where we give you one tip to improve how you manage your money in under 5-minutes, every Monday.
Have you been scouring the internet looking for the best budgeting app to get your finances in order?
Maybe you've used some of the popular budget apps, only to feel like there's something missing and it's not working!
This week we're telling you which budgeting app or approach is the best so that you can stop wasting time downloading spreadsheets and setting up new budgets.
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The internet is full of fin-fluencers and finance gurus who love to tell you how you should manage your money.
But if you’ve ever tried these budgeting trends and felt like they just didn’t deliver – you're not alone.
In this episode we talk about 4 budgeting trends we think you should skip entirely. We also explain why, if you’ve tried them, they didn’t work out.
Plus we talk about 3 budgeting trends we love! These budgeting trends set you up for financial success and help you build the money habits you need to reach your goals! So tune in and make sure you incorporate all three in next month’s budget!
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Monday Micro-Money Tip - where we give you one tip to improve how you manage your money in under 5-minutes, every Monday.
This week we're talking about something you probably don’t want to think about - - - Where your money and assets will go when you’re dead.
A Will and an Estate Plan tend to be the last part of a financial strategy that anyone wants to deal with. But it’s one of the most urgent and important steps to take.
- Why is a Will Important and What Does a Will do?
- What Happens If I Die Without a Will?
- Do I Need a Will If I’m Single and Don’t Have Kids?
- How Can I Easily Tell If I Need a Will?
- When and How Often Do I Need to Update My Will?
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From second lives, to hiding the Amazon packages before your spouse comes home from work…Have you or your partner been Financially Unfaithful?
When you think of Financial Infidelity you probably think of big, dramatic offenses like living second lives and gambling addictions. But there are other, more common ways you may be guilty of Financial Infidelity that causes tension and challenges your partner's faith in how you manage money.
What steps can a couple take to avoid this in the future?
How can you create a marriage free of financial infidelity?
One of the most common reasons we hear for not combining finances with a partner is lack of trust and fear of being taken advantage of financially. We tackle this spicy topic and share our perspective as a married couple and as Financial Coaches for Married Couples!
TIMEMARKS:
What is Financial Infidelity? 4:04
Financial Infidelity and Relationship Culture 9:47
Is it Financial Infidelity if it Wasn't Malicious? 10:30
Common Ways Spouses Commit Financial Infidelity 11:32
Hiding Purchases 12:05
Stashing Money 12:50
Not Keeping Your Word 13:55
What’s the Difference Between a Secret and a Lie? 16:33
How to Create a Marriage Free of Financial Infidelity 23:04
RESOURCES:
SNL Skit
How to Start A Money Fight in Under A Minute
Keeper Password Management
Credit Reports (Please never pay for one)
Episode 18 | How to Talk About Money with Your Spouse (Without it Turning Into an Argument)
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Monday Micro-Money Tips - where we give you one tip to improve how you manage your money in under 5-minutes, every Monday.
This week we're talking about the benefits of having a joint bank account with your spouse.
Not only can it improve your satisfaction within your relationship, but provides transparency, builds trust, and even helps you build wealth together by increasing your Net Worth!
RESOURCES:
Married Couples Who Merge Finances may be Happier.
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In this episode of radmoney, we are discussing how to avoid the next money fight.
Whether you think you fight about money or not. We know that most couples experience some points of tension, or even just avoidance, when it comes to managing money as a couple. So today we talk about how to overcome that in your relationship so that you can be more effective with how you manage your money and of course, have a better relationship with your spouse. Because when you don't have those points of friction your relationship and your marriage will benefit!
TIMEMARKS:
Points of Tension about Money in a Relationship 5:26
Why do Couples Fight About Money? 7:05
How to Avoid Fighting About Money With Your Spouse 14:08
Tips to Avoid a Money Fight 17:24
Reacting vs. Responding to Your Spouse's Money Management Style 19:22
RESOURCES:
Book: Thriving in Love and Money - by Shaunti and Jeff Feldhahn
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Monday Micro-Money Tip - where we give you one tip to improve how you manage your money in under 5-minutes, every Monday.
This week we're talking about how to find freedom in the budget when managing money as a couple. If you want to start budgeting together, but want to maintain your independence and spend money without having to check in all the time - this tip is for you!
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CAUTION: This episode will light a fire in you that you didn't' know you had.
Whether we’re in (or headed for) a textbook recession or not - - we want you to control what you can control. There are 3 ways you can take intentional action with your money and recession proof your finances right now!
In this episode we break it down step-by-step exactly what you need can be doing with your money to set yourself up for success, even when times are tough.
And you’re going to want to listen through to the end…where we give you intense mindset coaching to help you get out of your own way, to work through the resistance and into a headspace that will help you weather any storm. You ready? Let’s go!
TIMEMARKS:
Are we Headed for a Recession? 1:36
Control what You Can Control 9:41
Do This to Feel Confident During a Recession 13:58
Two Reasons to Have Cash in a Recession 14:53
You're Playing the Wrong Game 19:00
How You Can Make a Recession Even Harder 22:24
RESOURCES
The Best Savings Account for Your Emergency Fund
Ep 1| Our Story: Choices that led us Here
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Monday Micro-Money Tip - where we give you one tip to improve how you manage your money in under 5-minutes, every Monday.
This week we're talking about the best investment during a recession, or if you’re concerned about a recession! When times are uncertain, the stock market is unpredictable and inflation continues - what is the best place to invest your hard earned money?
We share our two-cents for what we think you should invest in to improve your financial situation and overall life satisfaction!
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In this episode we're discussing the concept of financial intimacy in relationships and its importance. We define financial intimacy as the feeling of closeness, emotional connection, and support from your partner when it comes to managing money and finances. Highlighting four signs of a lack of financial intimacy: avoiding conversations about money, lack of trust, judging each other's financial decisions, and keeping everything separate. We also discuss the need for open communication, trust, understanding, and working together as a team to improve financial intimacy in a relationship.
HIGHLIGHTS* Financial intimacy is the feeling of closeness, emotional connection, and support from your partner when it comes to managing money and finances * Lack of communication around finances is a sign of a lack of financial intimacy * Lack of trust in your partner's financial decisions is a sign of a lack of financial intimacy * Judging or questioning your partner's financial decisions erodes financial intimacy * Keeping everything separate and making financial moves without involving your partner is a sign of a lack of financial intimacy
RESOURCESListen to this episode >> How to Talk About Money with Your Spouse (Without it Turning into an Argument)
TIMEMARKS:
What is Financial Intimacy 2:18
Men vs. Women and Financial Intimacy 5:24
4 Signs You Do Not Have Financial Intimacy in Your Marriage 10:36
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Monday Micro-Money Tip - where we give you one tip to improve how you manage your money in under 5-minutes, every Monday.
This week we're talking about Money Dates. Why you need to build the habit of talking about money regularly, what the benefits are to talking about money weekly, and most importantly tactical steps you can take to make sure they actually happen!
RELATED RESOURCES
EP 18 | How to Talk About Money with Your Spouse (without starting an argument)
EP 22 | Join Our Money Date
Prompt to invite your spouse to a Money Date:
“ Hey [name], I heard this podcast that I shared with you. I don't know if you've listened to it yet, but they were talking about scheduling money dates, and I think that'd be really great. Is there any time this week where we could sit down and compare our calendars and find a time every week where we could sit down and talk about money?”
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You have probably heard of different types of debt described as “Good” or “Bad”, but what does that really mean and how does it impact your financial decisions?
In this episode we explain what is meant when people say “Good or Bad Debt” while exposing the flaws of analyzing financing decisions this way. We share why we think this view is oversimplified and doesn’t take enough information into consideration to be helpful.
Instead we offer a better way to evaluate your debt that will more accurately determine if you should or shouldn’t take out that loan.
TIMEMARKS:
What is Good or Bad Debt? 2:47
Conventional “wisdom” on Good and Bad Debt 3:20
What is Considered Good Debt? 4:18
What is Considered Bad Debt? 5:23
A Better Way to Evaluate Debt 10:19
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Monday Micro-Money Tip - where we give you one tip to improve how you manage your money in under 5-minutes, every Monday.
This week we're talking about the best way to pay off debt! This is a common question we get from clients, and a classic debate in the personal finance world. In this episode we share which approach to paying off debt we think is the clear winner of this contest and most importantly - - WHY!
RESOURCES
[BLOG] How to Get Out of Debt
Should I Help My Spouse Pay Off TheirDebt?
The True Cost of Student Loan Debt
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YES - you can be better with money and improve money management skills, without using a budget!
Budgets can feel restrictive, or downright intimidating for a lot of people. So if you feel some resistance to the idea of starting to budget - this episode is a great place to start!
If however, you're already a budgeting nerd like us. These tips will help you be even better! Improving both your money mindset and your money management.
TIMEMARKS:
Budgets Focus on Spending Habits 3:25
Money Mind Blocks 7:02
3 Ways to Be Better with Money Without a Budget 8:02
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Monday Micro-Money Tip - where we give you one tip to improve how you manage your money in under 5-minutes, every Monday.
This week we're talking about one of the most underrated pieces of credit advice - Freezing your credit to protect yourself against fraud, and identity theft.
Plus a few other credit optimizing tips to help improve your credit score for free, without obsessing over it!
RESOURCES
Check Your Credit Report(s)
Freeze Your Credit
- Experian
- TransUnion
- Equifax
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"HELP! It's Amazon Prime Day - but I'm trying to cut back online shopping and save more money!"
Online Shopping these days is too easy and with things targeted ads, it's more tempting than ever! And it adds up quick. Hurting your budget, adding to debt and crushing your dreams of Financial Freedom.
With over 25-combined years in retail, marketing, consumer behavior, and personal finance - we share a few truths about online shopping that are keeping you trapped.
Of course it wouldn't be a radmoney podcast if we didn't share a few actions you can take to reel in your online shopping, reduce spending and you can reach your financial goals!
TIMEMARKS:
Special Savings 1:00
Amazon Prime Day 1:43
Shopping on Amazon is Too Easy 2:37
Amazon Prime vs. Non-Member 3:22
How Amazon Pushes Impulse Shopping 6:44
Amazon and Your Dopamine System 8:37
Value Shopping on Amazon 11:43
Tips to Spend Less on Amazon 15:00
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Welcome to our new series - Monday Micro-Money Tips! We're giving you one financial tip in under 5-minutes, every Monday.
This week we're talking about the best savings accounts for your Emergency Fund, how they work and why this saving account is so better than all the rest!
RESOURCES
Open a High Yield Savings Account with Discover
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It’s finally summer which means it’s time for road trips, fun at the beach, and days at the lake!
But a summer filled with good times can get expensive quick. So how do you balance reaching your money goals with enjoying your summer vacation? No worries- we have you covered!
Travel is a HUGE part of our lifestyle and our story. We’ve crossed this country more than a few times, and we’ve learned a thing or two about stretching a travel budget for weeks!
From camping our way across the country, to top resorts and bed and breakfasts in over 30 states - we know a thing or two about having a great time traveling while sticking to a travel budget.
In this episode we share practical tips anyone can and should use to make their money go further for summer travel!
TIMEMARKS:
Travel Longer on Less 0:45
Putting Travel in Your Financial Freedom Roadmap 1:45
Millennials Traveling on Credit Card Debt 4:04
Money Saving Travel Tips 6:53
RESOURCES
Get GasBuddy *use our Code EDY5G5F
Join AAA
Money Saving Travel Blog
Millennials Traveling on Credit Card Debt
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Have you ever listened to the podcast and wondered how a married couple of Financial Coaches think about money?
Maybe you’ve thought “What would it be like to be a fly on the wall for their Money Dates?”
If you’re curious about our values, what we spend our money on, and what OUR financial goals are - we share all in this episode!
We had tons of fun recording this episode using the conversation starters in the Couply App! The app for couples to improve communication, connect on a deeper level and strengthen their relationship!
TIMEMARKS:
Financial Q&A with R&D - 3:23
How Important is Having Money to You? - 4:39
What Are 3 of Your Financial Goals? - 9:49
What is One Financial Habit You Admire About Your Spouse? - 13:05
How Can We Get Aligned If We Have Money Disagreements? - 16:29
How Much Are You Allowed to Spend Without Discussing It? 18:44
What’s a Big Ticket Item You Would Love to Buy? 19:40
How Could We Improve Our Use of Money? 24:42
18 | How to Talk About Money with Your Spouse (Without it Turning Into an Argument)
Download Couply and Save 30% *this is an affiliate link
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Whether you’re working on your relationship with money...
Want to have better money conversations with your spouse...
or you’re an Entrepreneur who loves listening to Founders stories…
This episode with Tim Johnson from Couply has a little bit of everything! Relationship advice, financial tips and a Founders story all in one!
Filled with personal stories, lessons learned some the hard way and how managing money as a couple really is worth the investment. We know you’re going to love this conversation!
TIMEMARKS:
Exclusive for radmoney listeners - 0:55
Meet Tim Johnson from Couply - 2:55
The Mission Behind Couply - 3:58
The Tim Johnson and Couply Origin Story - 4:28
Relationships are Worth Investing In - 7:19
What Makes a Good Relationship? - 8:37
The Role of Money in Relationships - 15:01
Financial Inequality - 20:40
Financial Boundaries - 24:26
Saving More vs. Earning More - 27:51
Tim's Tips for Increasing Your Income - 30:38
Successfully Managing Money in a Relationship - 32:52
Couply Facilitates Tough Conversations - 43:18
FOLLOW UP WITH TIM
Download Couply and Save 30% *this is an affiliate link
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Are you FI-Curious? Maybe you've heard about the FIRE movement and want to learn more about it and if it's for you?
In this episode we explain and discuss the 5 Levels of Financial Independence. Detailing the differences between each one, plus how you can start working toward them.
We also discuss the importance of integrating Life Design into your financial strategy. Explaining how your present and future lifestyle should be a primary focus when you’re deciding which level of Financial Independence you want to work toward.
Stay tuned til the end where we share about our personal journey to Financial Independence!
TIMEMARKS:
Are you FI-Curious? 2:18
What is Financial Independence? 4:19
5 Different Levels of FIRE - 5:07
Coast FIRE - 5:41
Barista FIRE - 8:42
Lean FIRE - 12:55
FIRE and Life Design -16:21
Traditional FIRE - 18:41
FAT FIRE - 21:52
Our Journey to Financial Independence - 24:46
RESOURCES
0% Capital Gains Tax for Married Couples
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*This information is meant to educate and does not replace tax or investment advice. We suggest you continue to research for yourself and continue learning, so that you may decide what is best for you. We strongly recommend that you consult with a financial advisor/planner or tax professional to assist you in understanding all investment and/or tax implications.
After listening to this episode - you will never think of money management the same way again!
We've distilled every financial tip and piece of advice out there down to these 3 critical Financial Habits.
Once you learn what these habits are and apply them to how you manage money - you and your spouse will be well on your way to Financial Freedom, building wealth and eventually Financial Independence.
TIMEMARKS:
3 Habits to Reach Financial Independence 1:58
What is Financial Independence? 2:20
Retirement is a Number not an Age 3:06
FIRE - Financially Independent, Retire Early 4:28
Without One Habit - None of Them Work 7:12
Habits for Financial Independence 8:38
What is a ‘Liability’? 9:01
Why You Need to Avoid Liabilities 10:36
What is Cash Flow? 13:28
How to Increase Cash Flow 18:02
Pay Yourself First 19:07
Habit Recap 24:29
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Do you want conversations about money with your spouse to improve?
Does getting your partner to talk about money feel like pulling teeth?
Even though you talk about money often, would you like it to be easier, even fun?
In this episode, we are giving you 5 tips to help you have better money conversations with your spouse and start building financial intimacy in your marriage.
Because believe it or not, conversations about finances can actually be exciting when they’re focused on opportunities and designing your life together!
Even better - these tips don’t just work for conversations about finances. These principles can help you make any difficult conversation easier. Especially conversations that require a lot of trust and vulnerability.
TIMEMARKS:
How to Talk About Money with Your Spouse 2:38
Step 1: Invite them to the Conversation 5:02
Step 2: Schedule Conversations about Finances 7:04
Step 3: Read the Room 8:19
Our Version of a Money Date 10:14
Step 4: Set Ground Rules 10:58
The Ground Rules 11:47
Ground Rule Recap 19:40
Step 5: Practice Makes Perfect 20:36
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We hear it from couples all of the time - "It’s just so hard to talk about money!"
From wanting to “keep the peace” to not feeling like you know enough about money to talk about it. There are a lot of reasons that it’s hard to talk about money. The problem is when that difficultly leads to avoidance.
So if you’ve ever asked yourself “How can I improve communication around our finances?” or “"How to start a conversation about money with your spouse" - This one's for you!
In this episode, we discuss the various reasons most of us find it extremely difficult to talk about money. While of course sharing a few tips along the way.
TIME STAMPS:
Learning to Talk About Money Strengthens Your Marriage 4:25
Scarcity vs. Abundance Mindset 5:53
Get Comfortable Talking About Money 6:55
Talking About Money - Different levels of Finacniacl Literacy 8:00
Role Models for How to Talk About Money 9:21
Work Through Discomfort 12:02
Good Relationships Take Work 14:38
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Do you and your spouse want to reach Financial Freedom and start building wealth?
If so, then you must do these 5 things to get there!
We discuss the 5 non-negotiables that you must do to set yourselves up for success. Not only will these habits help you reach your financial goals. They will help you protect your relationship and ensure that your marriage thrives through the process of paying off debt, saving money and building wealth together!
TIMEMARKS:
- Learn to Budget Effectively 2:03
- Improve Communication 6:07
- Have Money Dates 8:05
- Have No Questions Asked Fun Money 9:52
- Throw Away the Scorecard 14:55
LINKS FROM THE SHOW:
Episode 15 | What Not To Do When Managing Money Together
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Tips for budgeting are always about what you "should do". But equally as important is what NOT to do!
In this episode we talk about exactly that. What not to do when planning out your budget for the week or month, or managing money in general!
If you can avoid these 5 financial mistakes - you will be well on your way to improving your relationship with money, and your relationship with your spouse.
- Don’t Split the Financial Chores 3:40
- Don’t be Passive 5:10
- Don’t Budget in Your Head 7:10
- Don’t Stay in Your Comfort Zone 8:12
- Don’t Waste Your Time 13:38
- Bonus: Don’t be a Quitter 14:53
Want to learn how to budget from us? Take our online course where we teach you how to budget, how to master your Cash Flow and track your Net Worth as you build wealth.
In our course we share the spreadsheets we created and that we believe are some of the best out there! While also teaching you how to budget effectively.
From the right money mindset, down to the how to's and step-by-step walkthroughs for how to use the tools. If you’ve ever struggled to budget, this is exactly what you’ve been looking for!
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We get tons of questions about how to manage money together. One of the top questions is “How to budget together and keep the peace!”
We know that budgeting with your spouse is the most effective way to build wealth together. So overcoming obstacles and learning how to budget effectively is the key to your success.
- How do you budget together without starting an argument?
- Why do you both have to budget when only one of you is really interested?
- Maybe it tends to turn into a power struggle where neither of you wanting to feel "controlled"
We’re your hosts husband and wife - Dylan Pollock & Rebecca Brooks - Financial Coaches for Married Couples.
In this episode we’re diving into some of the most common obstacles to sitting down with your spouse and making a plan for your money together.
We also share some of our best budgeting tips along the way!
TIMEMARKS:
- Why is it Important to Budget with Your Spouse? 1:37
- Getting your partner to buy-in 7:08
- Why you both need to budget 13:59
- My spouse isn’t interested in the ‘money stuff’ 14:56
- We budget in our head 16:59
- Trying to Keep the Peace 18:45
- Can’t find the “right” budgeting tool 21:07
- Reviewing and disproving objections 21:51
WORK WITH US!
Want to learn how to budget from us? Take our online course where we teach you how to budget, how to master your cash flow and track your net worth as you build wealth.
In our course we share the spreadsheets we created and that we believe are some of the best out there! While also teaching you how to budget effectively. From the right money mindset, down to the how to's and step-by-step walkthroughs for how to use the tools. If you’ve ever struggled to budget, this is exactly what you’ve been looking for!
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Do you or your spouse have personal debt that you brought to the relationship?
Has that debt created friction or been a burden on your marriage?
Do you want to help your spouse pay off debt, but are unsure how to approach it?
We’re your hosts Rebecca Brooks & Dylan Pollock - Married couple, co-business owners and Financial Coaches.
In this episode we dig deep into the topic of helping your spouse pay off debt. We share our personal story and the deep, sometimes dark emotions, we experienced while we were going through this. While still preserving our relationship and our financial future as a couple.
Be sure you listen through to the end. There we provide powerful conversation starters for you and your spouse to discuss. These will help you figure out the first steps of paying off debt and reaching Financial Freedom together!
TIMEMARKS:
- Cultural Norms 3:30
- Realistic Expectations 8:30
- Married Couples Dealing with Debt 9:35
- Accepting Help With Your Debt 17:03
- Should I Help My Spouse Pay Off Debt? 20:33
- Tips if You’re the One With Personal Debt 24:47
- Tips For Helping Your Partner Pay Off Personal Debt 27:23
- Thought Experiments and Conversation Prompts 28:38
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We’re your hosts Rebecca Brooks & Dylan Pollock - husband and wife - in work and in life. In our opinion - being successful with managing money within your marriage can be the difference between a good marriage and a great marriage! But it’s no secret that managing money as a married couple can be difficult.
How do you talk to your spouse about money without having an argument?
How can you both get on the same page?
These are questions that couples from all over the country ask and we’re here to help! In this episode we share 6 things you need to do if you want to manage money together without awkward tension and arguments.
TIMEMARKS:
- Financial Coaching for Married Couples 1:00
- Marriage prep for the single and dating 3:10
- Why it’s important to manage money together 4:20
- Money and divorce statistics 5:00
- Managing money is more complex than ever 7:28
- Learn to talk about money 10:10
- Understand each others money story 13:17
- Learn to work toward a shared goal together 15:13
- Support one another 19:15
- Allow yourself to be INTERdependence 22:28
- Set goals and agree on priorities 27:00
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Working with as many clients as we have - we’ve noticed a lot of trends in how people use their money. We’ve identified this one thing that is killing everyone's cash flow and blowing their budgets up month after month! If left unchecked, this habit will chew through your income incredibly fast and without you even realizing. At the end of the month you’ll be left wondering where all your money went!
So what is this cash flow killer? Find out in this episode! Where we also provide a few actions you can take to make sustainable habit change and align how you use your money with the life you actually want! Without feeling restricted.
TIMEMARKS:
- Intro
- This is Killing Your Cash Flow 2:15
- What is Cash Flow? 2:20
- How we get caught in a feedback loop 5:48
- How are you using your time? 8:17
- Lifestyle Creep and status 9:23
- Why Starbucks is/isn’t such a big problem 12:59
- Are you actually saving time? 14:40
- Know what drives you 18:00
- Lack of satisfaction over time 19:27
- Bonus benefits and more motivation! 23:40
- The worst offenders 27:48
- Healthy habit swaps 30:19
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We’ve all heard the saying “Time is Money” but how does that saying impact our money mindset and how you manage both our time and our money? In what ways does this push the narrative of hyper-productivity? What is perhaps a healthier way to view the value of our time?
We’re your hosts Rebecca Brooks & Dylan Pollock -and in this special episode we welcome our first ever guest on the radmoney podcast - our good friend Ben Miller from ChroniFI!
Ben is the Founder of ChroniFI a personal finance software that helps users conceptualize their money in terms of time. We knew he was the perfect person to discuss the how rather than the old paradigm of “Time is Money” we should be viewing “Money as Time”.
TIMEMARKS:
- Meet Ben Miller of ChroniFI 1:14
- How we Manage Money is How we Manage Time 2:35
- Saving Money Comes from an Abundance Mindset 4:39
- Time is Money and Hustle Culture 5:24
- Your Income Does not Equal Your Worth 7:45
- Building the Habit of Harvest 8:44
- Poor Little Rich Boy 12:05
- Funding Your Time 12:56
- Lifestyle Creep and Golden Handcuffs 16:18
- Self Medicating to Keep it All Going 19:55
- Money is Time 21:11
- Your Daily Habits - Over Time (Example from Ben) 26:03
- How Does ChroniFI Help Visualize Time as Money? 31:30
LINKS FROM THE SHOW:
Check out ChroniFI
Read more about Lifestyle Creep & Golden Handcuffs
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We’re your hosts Rebecca Brooks & Dylan Pollock - husband and wife - in work and in life. This week we’re talking all about the connection between your finances and your career.
While most people see it as a one way street - having a career to earn money. There is actually a very strong connection between your financial wellbeing, your performance at work and your mobility to pursue new opportunities.
When you are in debt, living paycheck to paycheck. You’re not only stressed and distracted at work. But you’re unable to advocate for yourself, set boundaries with bosses, and so much more!
TIMEMARKS:
- Intro
- Living Paycheck-to-Paycheck 3:13
- How Financial Stress Hurts Earning Potential 5:49
- Taking Control of your Financial Life 10:55
- Benefits of Being a Financially Empowered Employee 11:36
- Employers Need to Invest in Financial Wellbeing of Employees 17:09
- How to Flip the Power Dynamic 18:57
- First Things First 19:30
- Increase Your Cash Flow 21:30
- Save a "Screw You Fund" 22:32
- Recap of the Steps 24:48
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We’re your hosts Rebecca Brooks & Dylan Pollock - husband and wife - in work and in life. In this episode we explore the idea that women need their own financial advice. Discussing the financial challenges women face and trying to answer the question - is financial advice for women different from men?
"Women need their own financial advice" is a message we see more and more over the past few years. As champions for women's financial empowerment, we have worked to understand why that is. Both for our clients and our own edification. In this episode we openly discuss the concepts and reveal what we have found to be true.
So instead, we suggest asking bigger questions.
- What are the “unique needs of women” from finance and other industries?
- What role do men play in women's financial empowerment?
- What questions do we as a society need to be asking?
TIMEMARKS:
- Intro
- What Financial Challenges Are Women Up Against? 5:15
- Wage Gap 6:14
- Child and Elderly Care 7:30
- Longer Life Expectancy & Survivorship 12:27
- Insurance & Healthcare Bills 13:44
- Women Do NOT Need Unique Financial Tips & Advice 16:23
- Women Need Healthcare Reform 17:31
- Women Need Career Planning 18:38
- Saying Women Need to Solve the Problems is Sexist 19:45
- THE MAIN POINT 20:50
- Individuality and Hyper Independence 22:50
- Getting Women Interested in Finance 24:20
- Women are Dominating the Workforce 28:43
- Conclusion 31:38
- Men Call to Action 32:50 + 35:15
- Message to Financial Advisors 33:15
- Women with Wealth do Good 37:15
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When it comes to student loans it's easy to strictly think about the financial side of the equation. Most people, especially those who are currently repaying their student loans, understand the financial burden. It's far easier to run the numbers and see how student loans hurt your ability to save and build wealth. But what about the emotional burden of student debt on borrowers? What impact does student loan debt have on your health and ability to reach life milestones?
We’re your hosts Rebecca Brooks & Dylan Pollock - husband and wife - in work and in life. In this episode we discuss the biggest reason we feel that student loan debt is such a problem - that no one else is really talking about. That is the mental, emotional and physical burden of having student loan debt. We dive deep into our personal stories with student loan debt, and share why we believe it’s so important to make a plan to pay off debts that are holding you back as soon as possible.
TIMEMARKS:
- Our stories with student loan debt
- Dylan’s Story
- Rebecca’s Story
- Making Big Financial Decisions, Without a Financial Education 9:15
- The Hidden Costs of Student Debt 11:13
- Delaying Life Milestones 12:23
- What if you Pay off loans and they are forgiven? 14:54 (edit depending on ruling)
- If you owe more than forgiveness 15:42
- Take control of your student loans 17:12
- Tax Bombs 19:19
- After the debt is gone 20:37
- Building Wealth While in Debt 22:38
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We’re your hosts Rebecca Brooks & Dylan Pollock - husband and wife - in work and in life. In this weeks episode we're discussing Financial Equality!
Is Financial Equality in a Relationship Important?
What role does Financial Equality play in how you manage money in your marriage?
For most people when they think of Financial Equality they think of splitting expenses 50/50 or needing to contribute equal amounts financially to the relationship.
But in our experience as a couple, and of course as Financial Coaches, we have a unique perspective on Financial Equality and what really matters when managing money as a couple. In this episode we discuss managing your money together and how Financial Equality is more about equal involvement than dollar for dollar contribution.
TIMEMARKS:
- Til Death do we Split the Check
- Fair or Fear? 9:12
- Red Flags 9:32 + 11:32
- Relationship Role Models 10:35
- Your Relationship is not a Business Transaction 13:22
- Income and Gender Roles 15:21
- Women Who Make More Money 16:00
- Reduced to an Income 22:44
- Keeping a Scorecard 25:31
- Impact of Relationship on Money and vice versa 26:52
- Equal involvement 28:36
- How to Have Financial Equality 30:26
- Client Story 36:26
- Strengthening the Relationship 38:05
- Parents as Role Models 41:16
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We’re your hosts Rebecca Brooks & Dylan Pollock - husband and wife - in work and in life. We know first hand that working together as a couple navigating finances, can be tough...
So this week on the radmoney podcast we focused on how investing in your relationship with your husband/wife helps you work together to reach your shared goal of Financial Freedom!
In the spirit of St. Valentine we share some of our experiences as a couple in life and in business, and our favorite ways to invest in our relationship year round!
Because when we were working our way to Financial Freedom, we found that investing in our relationship was just as important as paying off debt. We intentionally invested time, energy and money into our relationship and focused on growing together.
Of course this helped us have an even better relationship. But investing in our relationship also led to us reaching our goal of Financial Freedom faster!
Ways to Invest in Your Relationship* Managing Money Together * Listening to Podcasts * Reading Books Together * Daily Quality Time * Vision Board * Couples Retreats
Links mentioned in the Show
- Huberman Lab
- The Inner Work Book
- Our Bookshop and Reading Lists
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💵 Book your FREE Financial Strategy Session
💰 Take the FREE Course for Couples Building Wealth in 2024
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We’re your hosts Rebecca Brooks & Dylan Pollock - husband and wife - in work and in life.
Today we’re digging into the Top 5 Money Challenges, and sharing tips about how you can overcome them.
-
- -Can you relate to any of these challenges?
Regardless of our backgrounds, we all have internal narratives and mental roadblocks that hold us all back. As Financial Coaches we help our clients overcome these top money challenges.
In our experience, everyone deals with at least one of these Money Challenges at some time or another. Our goal is to help you overcome obstacles and start making the progress you want.
In classic radcoaches style - these challenges have less to do with the “How - To '' side of personal finances. Instead, we focus on our human nature and the mental habits of financial success.
In This Episode We Discuss - - -
- The Top Money Challenges People Face
- Waiting to get Started
- Overcomplicating Things
- Looking for Unicorns
- Lacking Priorities
- Working Together
- Steps to overcome each Money Challenge
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❓Ask radcoaches - submit your question here
If you’ve ever thought to yourself “I’d be happy if I just had more money!” - you’re not alone! But the answer isn’t straightforward.
In this episode we explore:
- How much money do you need to be happy?
- How money can have a positive or negative impact on other areas of your life.
- Plus things you can do to be happier right now!
Studies referred to in the podcast
- https://www.nature.com/articles/s41562-017-0277-0
- https://www.princeton.edu/~deaton/downloads/deaton_kahneman_high_income_improves_evaluation_August2010.pdf
- https://www.ted.com/talks/michael_norton_how_to_buy_happiness
Want to learn more about us and Financial Coaching?
Head over to our website to learn more. www.radcoaches.com
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Our story, how we found ourselves here producing this podcast - has been defined by the choices we have made that've paved our path and lead us to this point! So we felt a great way to start on this journey would be to help you get to know us a bit. To tell you our personal journey and try to answer a common yet complicated question - - "Why should you listen to us or care what we have to say?"
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Learn more about us on our website www.radcoaches.com
Want to hear more from us ASAP?
Check out a few of our episodes with our friends over at Occupation Wild and Outdoor Minimalist
Does the world really need another money podcast?
We asked ourselves the same question before starting this project.
But this isn’t just another “how-to” for your finances - full of jargon, judgment, shame or guilt.
radmoney will change the way you think and act! It’s casual, practical, passionate and candid!
Because you don’t need more “tips” - you need a better understanding of yourself, and how money plays a role in your life.
Every episode will be about our habits, behaviors, relationships, the psychology of money - and so much more!
We're your hosts Rebecca Brooks & Dylan Pollock! We’re partners in life, and in business, and we’re so excited to share our combined knowledge with you!
So if you’re ready to get real with yourself, and take an honest look at how money is at play in your life and in the world around you. You're in the right place.
This journey may not be easy but it is necessary if you want to be in control of your finances, live the life you want, and have a positive impact on the world!
Episode 1 drops March 23, 2022!
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Want to learn more about us and Financial Coaching?
Head over to our website to learn more. www.radcoaches.com