Average Money: Recent Episodes
Brad Finn & JJ Buckner
Average Money follows the Personal Finance Journey of two average guys, Brad Finn and JJ Buckner. Join us as we navigate our way through the world of Personal Finance discussing living debt free, investing, real estate, entrepreneurship, fatherhood, cold beer, and a whole lot more.
Join the conversation: https://www.patreon.com/pushthrough
We spoke a few weeks ago about how journaling has changed my (Brad) life. JJ wanted to get on board and purchased the same journal and has been writing in it daily for almost a month. We start the episode off the episode talking about how journaling has impacted both our lives and some of the benefits of journaling that may not be that obvious.
JJ is also really coming into form with his running. His Saturday long runs are getting longer and longer and today he PRed (Personal Record) his 5k time. There are a few reasons JJ things he has has so much recent success lately.
Last we talk about the fact that we are now in a Bull Market! How did that sneak up on us so fast! We will discuss whether we think this is short term and how we are handling out portfolio.
😍 Term Life Insurance Lets You Be Prepared For The Unexpected. We Both Have Ladder Term Life Insurance! Get A Quote In Seconds To See If You're Instantly Approved: https://ladder.pxf.io/a1A1NW
📝 The Beginners Guide to Options Trading Course: https://averagemoney.teachable.com/
Join the conversation: https://www.patreon.com/pushthrough
😍 Term Life Insurance Lets You Be Prepared For The Unexpected. We Both Have Ladder Term Life Insurance! Get A Quote In Seconds To See If You're Instantly Approved: https://ladder.pxf.io/a1A1NW
📝 The Beginners Guide to Options Trading Course: https://averagemoney.teachable.com/
Join the conversation: https://www.patreon.com/pushthrough
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This week JJ is in NY and there will be a lot of firsts! The next few weeks will show all the things we pushed through this weekend starting with JJ's first cold plunge!
Cold plunges, or cold water immersion, offer several benefits. First, they promote muscle recovery and reduce inflammation, aiding athletes and individuals with muscle soreness. Cold plunges can improve circulation and stimulate the immune system, boosting overall health. They also enhance mood and mental well-being by increasing endorphin levels and providing a natural stress relief. Regular cold plunges may improve sleep quality and help regulate body temperature. Additionally, they can enhance cardiovascular function, increase metabolism, and improve skin health. However, it's essential to consult a healthcare professional before incorporating cold plunges into your routine, especially if you have pre-existing health conditions.
Next we hit the track to complete "The Hardest Mile". You will have to listen for a full breakdown of this insane workout.
It wouldn't be a podcast if we didn't talk a little bit of money as well. We will hit our wheel stocks and talk about Googles continuous 52 week highs every day this week!
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Welcome to another episode of Full Send. JJ's been drinking again and it has come back to bite him a little. Today we talk about some Cinco de Mayo shenanigans, what JJ did on a few marg's and how he's digging himself out. We also talk about the options portfolio and JJ's trip to NY.
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In this episode we talk about how much income we were able to generate this month trading the wheel. The wheel strategy is a great options strategy to use in a sideways or down treading markets. By selling cash secured put you can buy shares at a price you like and get paid to do so along the way. After you buy those shares you can use them as collateral to sell covered calls. Flip flopping between selling calls and puts is call the wheel strategy and is a great way to add income to your portfolio. We will also talk about Brad getting to meet on of his hero's, his sons first trip to the ER and all the other things going on in our life at the moment.
REBRANDING DISCORD FLASH SALE https://www.patreon.com/pushthrough
If you are a long time listener of the podcast you will notice a new look to the podcast. We will discuss this at length in this weeks episode and the reasons why. We are forever grateful to the Average Money Brand and the community it has built, but we feel like we have more of ourselves to give. We were limiting the impact that our life experiences could have but pigeon holing ourselves to 1 topic. With this rebranding, we will be able to give the listener all of everything we have to offer, which includes personal finance. Feedback has shown us that the listeners appreciate and take value in our discussions about real estate, parenting, fitness, health, mindfulness, and sobriety. Although all these topics will not appear in every episode, we will now be able to have more open and honest conversations without ourselves and the listeners, and therefore bring more value.
In this episode we will talk about JJ's move from Missouri to Florida and what it's like to sell a house without an agent. We will also discuss JJ's month of sobriety and how that has changed his life and if he will continue to be sober moving forward past April. We will finish the episode talking about Brad's running injury and how that has impacted his life moving into summer vacation and his race schedule. This will lead into our rebranding and some in depth reasons why.
Thank you for your continued support and understanding.
See you in the discord.
Brad and JJ
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📱 Support The Podcast And Join The Average Money Community Discord: https://www.patreon.com/averagemoneyTHESE LINKS ARE AFFILIATE THINKS. BY CLICKING THEM YOU SUPPORT THE PODCAST WITH NO COST TO YOU. WE THANK YOU SO MUCH FOR YOUR SUPPORT!👉🏻 Invest with M1 Finance and Get Free $30 when you deposit $1,000:: https://m1finance.8bxp97.net/a1WqjZ 📝 The Beginners Guide to Options Trading Course: https://averagemoney.teachable.com/ 👊 Get Your Average Money Merch: https://average-money-merch.creator-spring.com/ 📷Follow Us on Instagram:https://www.instagram.com/averagemoneypodcast/📧Contact For Booking/Sponsorships: AverageMoneyPodcast@gmail.com
😍 Term Life Insurance Lets You Be Prepared For The Unexpected. We Both Have Ladder Term Life Insurance! Support The Podcast by JUST GETTING A QUOTE: https://ladder.pxf.io/a1A1NW
📱 Support The Podcast And Join The Average Money Community Discord: https://www.patreon.com/averagemoney
THESE LINKS ARE AFFILIATE THINKS. BY CLICKING THEM YOU SUPPORT THE PODCAST WITH NO COST TO YOU. WE THANK YOU SO MUCH FOR YOUR SUPPORT! 👉🏻 Invest with M1 Finance and Get Free $30 when you deposit $1,000:: https://m1finance.8bxp97.net/a1WqjZ
📈 What We Use To Research/Analyze Stocks: https://www.stockrover.com/why-stock-rover/?sa_author=averagemoneypodcast
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📱 Support The Podcast And Join The Average Money Community Discord: https://www.patreon.com/averagemoney
THESE LINKS ARE AFFILIATE THINKS. BY CLICKING THEM YOU SUPPORT THE PODCAST WITH NO COST TO YOU. WE THANK YOU SO MUCH FOR YOUR SUPPORT! 👉🏻 Invest with M1 Finance and Get Free $30 when you deposit $1,000:: https://m1finance.8bxp97.net/a1WqjZ
😍 Term Life Insurance Lets You Be Prepared For The Unexpected. We Both Have Ladder Term Life Insurance! Support The Podcast by JUST GETTING A QUOTE: https://ladder.pxf.io/a1A1NW
📈 What We Use To Research/Analyze Stocks: https://www.stockrover.com/why-stock-rover/?sa_author=averagemoneypodcast
📝 The Beginners Guide to Options Trading Course: https://averagemoney.teachable.com/
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📞 Schedule a Call About Money, Investing, Managing Money, etc: https://clarity.fm/averagemoney
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This week FTX and BlockFi came crumbling to the ground. In this episode we give our up to date take on the Crypto Market
We hope you enjoy this episode and look forward to talking about it more in the discord.
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😍 Term Life Insurance Lets You Be Prepared For The Unexpected. We Both Have Ladder Term Life Insurance! Support The Podcast by JUST GETTING A QUOTE: https://ladder.pxf.io/a1A1NW
📈 What We Use To Research/Analyze Stocks: https://www.stockrover.com/why-stock-rover/?sa_author=averagemoneypodcast
📝 The Beginners Guide to Options Trading Course: https://averagemoney.teachable.com/
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There are more information links under the description. Trevors YouTube Channel: https://www.youtube.com/channel/UCDvGBY2IZu5BSD0d-419pkA
We hope you enjoy this episode and look forward to talking about it more in the discord.
THESE LINKS ARE AFFILIATE THINKS. BY CLICKING THEM YOU SUPPORT THE PODCAST WITH NO COST TO YOU. WE THANK YOU SO MUCH FOR YOUR SUPPORT! 👉🏻 Invest with M1 Finance and Get Free $30 when you deposit $1,000:: https://m1finance.8bxp97.net/a1WqjZ
😍 Term Life Insurance Lets You Be Prepared For The Unexpected. We Both Have Ladder Term Life Insurance! Support The Podcast by JUST GETTING A QUOTE: https://ladder.pxf.io/a1A1NW
📈 What We Use To Research/Analyze Stocks: https://www.stockrover.com/why-stock-rover/?sa_author=averagemoneypodcast
📝 The Beginners Guide to Options Trading Course: https://averagemoney.teachable.com/
👊 Get Your Average Money Merch: https://average-money-merch.creator-spring.com/
📞 Schedule a Call About Money, Investing, Managing Money, etc: https://clarity.fm/averagemoney
🕸Our Website: https://averagemoneypodcast.com
📷Follow Us on Instagram:https://www.instagram.com/averagemoneypodcast/
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There are more information links under the description. Trevors YouTube Channel: https://www.youtube.com/channel/UCDvGBY2IZu5BSD0d-419pkA
In this episode we a cohost joining us. Trevor has called in and been apart of two voicemail episodes. His first appearance was on Episode 26 where he was faced with some tough financial choices at the age of 22. Now almost two years later a few of those decisions have come to fruition but he finds himself again with even more financial decisions to make. I guess that is all part of being an adult.
Today we talk about the toughest decision of his life that many of us have to face at some point in our own lives. Trevor is wise beyond his years and some of the things we talked about will give you a true perspective of the things we face not only as 30 and 40 years, but also as a person in your early 20s. Between JJ and Brad giving their thoughts on a weekly basis and a look through Trevor's eyes, this episode is sure to strike a chord with anyone that listens to it!
We hope you enjoy this episode and look forward to talking about it more in the discord.
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😍 Term Life Insurance Lets You Be Prepared For The Unexpected. We Both Have Ladder Term Life Insurance! Support The Podcast by JUST GETTING A QUOTE: https://ladder.pxf.io/a1A1NW
📈 What We Use To Research/Analyze Stocks: https://www.stockrover.com/why-stock-rover/?sa_author=averagemoneypodcast
📝 The Beginners Guide to Options Trading Course: https://averagemoney.teachable.com/
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There are more information links under the description. We really packed a ton of information into this video. It starts with our usual 10 min intro of what's going on in our lives before we dive into the money topic for the week. We focused on real estate and current interest rates and how that is not only effecting mortgages, but home prices. Not many people are thinking about the correlation between the slightly inflated home prices right now and how buying now may save you money in the long run between purchase price and interest.
Often times, home buyer dont look at the total price of the house over the whole term of the mortgage. We try and dive into the different perspectives. We also look at how people that are purchasing houses now may want to think about how fast they are going to pay off their mortgage. In the past few years leaving your mortgage around because the interest was so low was and easy decision. Now with rising prices it may make more sense to pay off your mortgage now or consider at 15 year mortgage over a 30 years.
These are the topics we discuss today.
THESE LINKS ARE AFFILIATE THINKS. BY CLICKING THEM YOU SUPPORT THE PODCAST WITH NO COST TO YOU. WE THANK YOU SO MUCH FOR YOUR SUPPORT! 👉🏻 Invest with M1 Finance and Get Free $30 when you deposit $1,000:: https://m1finance.8bxp97.net/a1WqjZ
😍 Term Life Insurance Lets You Be Prepared For The Unexpected. We Both Have Ladder Term Life Insurance! Support The Podcast by JUST GETTING A QUOTE: https://ladder.pxf.io/a1A1NW
📈 What We Use To Research/Analyze Stocks: https://www.stockrover.com/why-stock-rover/?sa_author=averagemoneypodcast
📝 The Beginners Guide to Options Trading Course: https://averagemoney.teachable.com/
👊 Get Your Average Money Merch: https://average-money-merch.creator-spring.com/
📞 Schedule a Call About Money, Investing, Managing Money, etc: https://clarity.fm/averagemoney
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There are more information links under the description.
In today's episode we cover a wide rage of stock related content. We open the episode talking about how Brad was attacked by a financial advisor. Then, JJ talks about why he is still bullish on SOFI stock and some things that people might be missing when evaluating the company. Brad talks about his dividend portfolio and some of the changes he is making towards it. Then we spend some time trashing QYLD and giving all the reasons why people need to be running from it and what stock we would buy if we could only buy one.
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There are more information links under the description.
In today's episode we are going to be talking about the wonderful Roth IRA and why we think it is the BEST investment vehicle of 2022 and beyond. We will break down exactly what a Roth IRA and how you can open it. We will break down the different types of investments you can put inside your Roth IRA and whether we like to Dollar Cost Average our investment or Lump Sum it all in at the beginning of the year.
We will also look at some of the less common pros of the Roth IRA that many people dont know about including how Brad uses it as part of his emergency fund and life insurance policy.
For the real money nerd out there, the episode will be one of your favorites. Sit back, relax, and let's all become Tax Free Millionaires.
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This Episode was recorded on Tuesday May 16th 2022 in Portland Maine. We sit down and talk about ETF's in the first part of this episode. ETF's are a power way to start investing as a beginner as well as continue growing wealth as a veteran investor. This part of the episode shows some details about ETF's that you may not know.
And like most episodes, we zag into Cryto and compare it to our thoughts on ETF's. Because we both have different positions on the crypto space, this was a good opportunity to give opposing view points.
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🪣Check Out Go Bucket Yourself Podcast With Brad: https://open.spotify.com/episode/0x5tFPA9KeZdgwvCKA2z1x?si=mHgOCFfMT1a2mxZL9M4nJQ
⛺️Check out CampFI www.campfi.org
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👉🏻 Invest with M1 Finance and Get Free $30 when you deposit $1,000:: https://m1finance.8bxp97.net/a1WqjZ
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📝 The Beginners Guide to Options Trading Course: https://averagemoney.teachable.com/ USE CODE "OPTIONS" For 50% off!!
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📧Contact For Booking/Sponsorships: AverageMoneyPodcast@gmail.com
📝 The Beginners Guide to Options Trading Course: https://averagemoney.teachable.com/ USE CODE "OPTIONS" For 50% off!!
📱 Join The Average Money Community Discord: https://www.patreon.com/averagemoney
📝 The Beginners Guide to Options Trading Course: https://averagemoney.teachable.com/ USE CODE "OPTIONS" For 50% off!!
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📷Follow Us on Instagram:https://www.instagram.com/averagemoneypodcast/
🎤Brad's YouTube Channel: https://www.youtube.com/channel/UCVo7LwuxomC4k5yHEHlVdJA
🎧JJ's YouTube Channel: https://www.youtube.com/channel/UCweFuIP49kB3ihHy9bKp48g
📱 Join The Average Money Community Discord: https://www.patreon.com/averagemoney
📝 The Beginners Guide to Options Trading Course: https://averagemoney.teachable.com/ USE CODE "OPTIONS" For 50% off!!
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🎤Brad's YouTube Channel: https://www.youtube.com/channel/UCVo7LwuxomC4k5yHEHlVdJA
🎧JJ's YouTube Channel: https://www.youtube.com/channel/UCweFuIP49kB3ihHy9bKp48g
Check Out Jarrad's Channel: https://www.youtube.com/c/JarradMorrow
📱 Join The Average Money Community Discord: https://www.patreon.com/averagemoney
📝 The Beginners Guide to Options Trading Course: https://averagemoney.teachable.com/ USE CODE "OPTIONS" For 50% off!!
Check Out Ladder Insurance and Get A Quote In Seconds: https://ladder.pxf.io/a1A1NW
Our Website: https://averagemoneypodcast.com
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📞Leave Us a Voice Mail To Answer LIVE on the Podcast: https://www.speakpipe.com/AverageMoney
📷Follow Us on Instagram:https://www.instagram.com/averagemoneypodcast/
🎤Brad's YouTube Channel: https://www.youtube.com/channel/UCVo7LwuxomC4k5yHEHlVdJA
🎧JJ's YouTube Channel: https://www.youtube.com/channel/UCweFuIP49kB3ihHy9bKp48g
Episode 1: https://www.podbean.com/ew/pb-mup6s-eb16ff
📱 Join The Average Money Community Discord: https://www.patreon.com/averagemoney
🎥YouTube Channel: https://www.youtube.com/c/AverageMoneyPodcast
In todays episode we talk retirement. We have all heard about the FIRE Community, but the more you learn about it the more you realize that FIRE is way more complicated than you may think. Who would have thought that there could be some many definitions of Financial Independence and Retirement.
Today we have a voicemail from former guest Bryce Mattheson who quotes Brandon Turner, formally from The Bigger Pockets Podcast. He makes a point on Early Retirement and the the types of people who can retire early and those who can not.
JJ and Brad will reflect on this a little bit and talk about why they dont think that they will ever be able to retire early even though they are Financially Independent.
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🎤Brad's YouTube Channel: https://www.youtube.com/channel/UCVo7LwuxomC4k5yHEHlVdJA
🎧JJ's YouTube Channel: https://www.youtube.com/channel/UCweFuIP49kB3ihHy9bKp48g
Check Out Ladder Insurance and Get A Quote In Seconds: https://ladder.pxf.io/a1A1NW
📱 Join The Average Money Community Discord: https://www.patreon.com/averagemoney
📝 The Beginners Guide to Options Trading Course: https://averagemoney.teachable.com/ USE CODE "OPTIONS" For 50% off!!
Our Website: https://averagemoneypodcast.com
👊 Get Your Average Money Merch: https://average-money-merch.creator-spring.com/
📞Leave Us a Voice Mail To Answer LIVE on the Podcast: https://www.speakpipe.com/AverageMoney
📷Follow Us on Instagram:https://www.instagram.com/averagemoneypodcast/
🎤Brad's YouTube Channel: https://www.youtube.com/channel/UCVo7LwuxomC4k5yHEHlVdJA
🎧JJ's YouTube Channel: https://www.youtube.com/channel/UCweFuIP49kB3ihHy9bKp48g
Check Out Ladder Insurance and Get A Quote In Seconds: https://ladder.pxf.io/a1A1NW
📱 Join The Average Money Community Discord: https://www.patreon.com/averagemoney
📝 The Beginners Guide to Options Trading Course: https://averagemoney.teachable.com/ USE CODE "OPTIONS" For 50% off!!
Our Website: https://averagemoneypodcast.com
👊 Get Your Average Money Merch: https://average-money-merch.creator-spring.com/
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📷Follow Us on Instagram:https://www.instagram.com/averagemoneypodcast/
🎤Brad's YouTube Channel: https://www.youtube.com/channel/UCVo7LwuxomC4k5yHEHlVdJA
🎧JJ's YouTube Channel: https://www.youtube.com/channel/UCweFuIP49kB3ihHy9bKp48g
📱 Join The Patreon/Discord for Live Streams and Stay in Touch With The Average Money Community: https://www.patreon.com/averagemoney
📝 The Beginners Guide to Options Trading Course: https://averagemoney.teachable.com/ USE CODE "OPTIONS" For 50% off!!
😍 Get Life Insurance If Someone Depends On Your Income. We Both Use Ladder Insurance! Get A Quote In Seconds To See If You're Instantly Approved: https://ladder.pxf.io/a1A1NW
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🎤Brad's YouTube Channel: https://www.youtube.com/channel/UCVo7LwuxomC4k5yHEHlVdJA
🎧JJ's YouTube Channel: https://www.youtube.com/channel/UCweFuIP49kB3ihHy9bKp48g
📱 Join The Patreon/Discord for Live Streams and Stay in Touch With The Average Money Community: https://www.patreon.com/averagemoney
📝 The Beginners Guide to Options Trading Course: https://averagemoney.teachable.com/ USE CODE "OPTIONS" For 50% off!!
😍 Get Life Insurance If Someone Depends On Your Income. We Both Use Ladder Insurance! Get A Quote In Seconds To See If You're Instantly Approved: https://ladder.pxf.io/a1A1NW
Our Website: https://averagemoneypodcast.com
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What an incredibly fun episode this was for us. JJ and Lindsey visited NY together for the first time. This was the first time our wives got to me after years of hearing about each other. We ditched the kids for the weekend and just spent some quality time together. We got to the beach, ate some pretty amazing food, and got to tour the big city.
After having Lindsey on the podcast a few months back we knew that we would have to get Brad's wife Tara on as well. The four us sat down together and got to to hear our story through our wives eyes. We talk everything from what it was like paying off debt, to the difficulties of investing properly for the future and possible real estate properties in the future.
It was great to hear how much the two couples really were on the same page but had totally different paths to get there. This will help show people that although we may all have the same goal of financial independence, there are many ways to get there and no one path is the right path.
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Savings Rate, Sinking Funds, And Emergency Funds are very important discussions to have when it comes to money and personal finance. This episode we will be focusing on appreciate emergency funds. We will break down exactly how much cash we have. We differ in the ways we set that up so this will be a great opportunity so see different ways to save cash.
Breaking down the difference between a sinking fund and emergency fund will help this topic come full circle and reevaluate the how you save money. We also find out that one of the hosts does NOT own a debit card and the reasons for this.
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We truly believe that trading options does not need to be as hate among the personal finance community as it is. We consider ourselves very conservative, boring investors with a large majority of our net worth placed into long term broad based index funds. Many that have to same opinions as use consider trading options to be a risky practice for only high level stock market professionals. In this episode we are going to show that this is not that case and that you can be an average investor just like us and still excel at trading options even if you are a bigger and earn some extra passive income every single month inside your stock portfolio.
This episode will cover the basics of what you need to know If you are just learning about options. Options are like sports, there are many different types for many different people. It would be impossible for us to cover it all. We will start with some basic vocabulary that you may hear. For example, what is the difference between a call option and a put options. What does the strike price of an options mean. How do we make money what we trade options and what does the premium value of the option mean.
After an introduction to basic vocabulary we will tell you the difference between buying and selling options contracts, how this is different that buying and selling stocks, and what is best for the options trading beginner. By the end of the episode, you most likely will not be able to log onto your brokerage and start trading options but you will definitely have the foundation you need to do some more research and get the ball rolling.
You can follow up this education by hoping on our YouTube Channels (Brad Finn and JJ Buckner) and possibly investing in yourself and taking our online options course that will give you everything you need in order step by step to make your first option. Used Check Out Code "OPTIONS" to receive 50% off the course. The easiest way to find these resources is to visit our website linked below.
We look forward to hearing out your options success. Cheers
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In todays episode VOICEMAILS are back!! We wanted to switch things up a little this week and go a little "Dave Ramsey Style" and do multiple voicemails on different, unrelated topics.
The first voicemail comes in for 24 year old Luke. Luke just moved to Nashville TN from Pittsburg PA to pursue a career in audio engineering. He's got $25k saved up with some invested and some in liquid cash. He wants to know our thoughts on investing cash or just keeping in it in savings.
Next we connect with Steven who is feeling a little bit of FOMO and pressure from his friends and family. It seems that everyone around him is driving the nicest cars and living in the biggest houses. Because we are the minority in the frugal personal finance space we let him know that he is not alone. We talk about how we deal with this feeling and how we can use this as motivation to succeed.
Lastly we hear from Joe who is looking to convert his basement into a rental property to offset his mortgage payments. We talk taxes and things people should be thinking about when bringing in rental income.
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JJ is back in New York, and every time he comes we have a great time. This time we may have gone a little overboard and had too much fun. We bordered on the edge of reckless spending! I’m not sure we had a meal that was less than $200, which is very out of character for the both of us. When the dust had cleared we had to really look back at why we spent as much money as we did. Was this lifestyle creep? Was I reckless spending? Or was it a chance to build memories regardless of the price tag? This begs the question; are some memories worth the price tag? This episode breaks down those very questions as well as looks at how income needs to be a part of your lifestyle! JJ mentions that his biggest fears are not about making money now, but keeping that income continuing into the future. Having a fickle income like YouTube is great, but is it forever? How is Brad’s lifestyle different from JJ’s because of his consistent teaching income vs JJ’s social media income.
Admittedly, both of us have started to spend a little more than we traditionally had in the past year or so. This reinforced our need to get back to budgeting and understanding where our money is going. Brad tends to budget at the beginning of the month and JJ budgets at the end of the month so there are some differences there. We talk about why those two budgeting techniques both work and it really depends on you! Personal finance is personal! It’s incredible how simple and basic a budget can be, and how if you push it to the back burner your money situation will start to creep away from your goals. You also must know yourself and what YOU spend money on. If you hop on the internet and try and make your budget align with someone else’s there is bound to be some challenges and disappointment. Some people like food, some like to travel, some like to spoil their kids. You are allowed to cut things from your budget that others may find valuable for things that bring your life value and others may see as reckless.
Let’s look at all the spending we did on one weekend here in NY. We ate foods that we would never buy, drank drinks we would never drink, and dined at incredible waterfront restaurants. In retrospect, these were not just about the food and drinks. It was creating memories that will probably last a lifetime. We will tell our kids about the amazing time we had together this past weekend. You may be thinking, “do you need to spend a ton of money to create a memory?” The answer is NO, but the point we want to make is that some memories do cost money! Some of the things we did JJ had never done in his life, and when Brad is in Missouri we will get to do things that he has never done. We put a huge amount of “life value” on the time we get to spend together because it is few and far between.
The plot twists when JJ mentions that there was probably a little bit of lifestyle creep AND reckless spending that went on this weekend. We are all for Financial Independence and frugality but you have to enjoy yourself. You have to be happy! There is no sense in being frugal if you are not going to be happy! When you are paying off your debt your life should probably be a little more boring, we agree with that because debt will kill financial progress but once you are debt free you can loosen the reins a little bit. It’s ok to get to FIRE a little bit later in life to enjoy the process! Mental health is so important to us. Spending a few bucks on a last minute flight to help JJ during a time of emotional struggle is worth the price of the flight to us!
At the end of the day it all comes back to knowing where your money is going. If you get to the end of the month and you're broke and have no idea where the money went, that is a bad thing. But, if you plan accordingly and at the end of the month you are broke but know exactly where the money went, that might be ok! It being ok or not depends on how consistent that next pay check is.
We wrap up the episode discussing ways to avoid excessive lifestyle creep and reckless spending. You shouldn't beat yourself up if things get off track a little bit. We are only human. When things begin to slide you just have to get back on track.
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Mortgage interest rates are currently at all time lows and have been for the last year or so. I don't think that I know anyone that owns a house who hasn't Refinances their mortgage or at least talked about a ReFi. We have gotten to the point where it is a status symbol to brag about how low your rate is.
Recently Brad was faced with a decision to make about refinancing his home mortgage. After a deep dive into the details he realized there was more factors than interest rate that need to come into play when deciding to refinance.
In this episode we will take a look at all the things you should be thinking about when you are considering a refinance of your mortgage.
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Bryan from the chat asked us to talk about our "Investing Ah ha Moments". Because we know that not everyone is up to the investing portion of their Finance Journey, we decided to talk about some of the best and most memorable moments of our personal finances careers.
As we pursue Financial Independence there have been many highs and lows. From paying off debts, reaching $100k Invested, and even paying off their homes.
We hope you enjoy our wins and use them to motivate you to continue to succeed!
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This episode talks about where to put your cash when saving up for a home as well as some amazing first time home buying tips
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Do you consider yourself more of a dividend investor or a growth investor. Maybe you are a little bit of both. In this episode we talk about the pros and cons of both dividend stocks and growth stocks. How have these stocks effected the market offer time? Is there a better path to take when investing? Maybe it is best to look at the best of both worlds and find some dividend growth.
By the end of this episode you will know where JJ and Brad currently stand in the endless debate of growth stock vs dividend stocks
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We have all heard about the FIRE Movement (Financial Independence Retire Early). Many of us see this as the finish line to success when it comes to personal finance! Over the past 6 weeks JJ has lived a life of early retirement and he has some things to say about it and how he may not be looking forward to Early Retirement!
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We things that buying a stock is WAY harder then selling a stock. In this voicemail episode we will break down the things we look at when deciding if we should sell a stock or not!
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In todays episode we talk about the Acorns App. From their website, "Our mission is to look after the financial best interests of the up-and-coming, beginning with the empowering step of micro-investing. Acorns helps you grow your money and take control with all-in-one investment, retirement, checking and more.
They are another investing app that has been in existence since 2014. Jason called in to ask what we though about Acorns and how it relates to other popular apps like Robinhood. We will discuss what we like about both platforms and who we think would be the best type of user for each.
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Today's voicemail comes from Dave. Dave is a police officer helping to support a wife and three children. Right now he has access to a 457 and a pension through his employer. In addition to these employee sponsored options, he can also take advantage of a Roth IRA or Taxable brokerage account. Dave wants to know if he should first being focusing on his 457 or his Roth IRA. In this episode we will talk about whether we should be contributing to the Roth first or the 401k/457. We also give some other options that you can look into after possibly maxing out one of these two accounts.
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We are always talking about how interested in Real Estate we are and how it is a primary focus of ours for retirement. We have never really talked about our actual goals for real estate and our business. In this episode we will talk about why we are so focused on real estate, the moves and offers we have made, and what the future looks like for us. This will be a deep dive into how we look for an analyze deals as well as build teams around us to help us succeed.
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If you are into personal finance you have probably heard about the FIRE MOVEMENT and the concept of retiring early. In this episode we will give you the initial steps to take to work toward fire! The first thing that you should be considering if you are thinking about early retirement is your FI number!
The FI Number is the most important tool in the Financial Independence Retire Early Movement. Even if you do not follow FIRE, knowing your Financial Independence number will give you a clearer picture of your retirement goals and how much you are saving! In this episode, we look at what an "FI Number" is, how to calculate it and show how long it may take you to reach it. This number will give you your target for Financial Independence.
This Episode was recorded live during a YouTube Livestream. If you don't want to miss these live streams consider subscribing to the YouTube channel by clicking the like above. That livestream went over 2 hours with a ton of Q & A.
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This question comes in from Ethan. He asks what should he do with some money that is saved in the back. He is 20 years old, college is paid for, and he has no debt. Should he keep extra money in a savings account? Should he open a Roth IRA or Brokerage Account? What are the options that Ethan has as 20 years old that he can do with his money?
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We get asked all the time how we invest for our two young children. In this episode we will discuss all the ways that we invest for our kids and some other way that we don't necessarily use. This episode will start with instilling work ethic and independence in your children. We then will discuss the pros and cons of 529's. We use our small businesses to pay our kids a 1099 wage that they can use to open up a Roth IRA. Lastly, we talk about custodial accounts and how they can also be set up and used to give your kids the financial foundation that will set them up for life.
Cheers
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Thank you so much for the Voice Mail Jeremy. Keep up the great work.
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In the past year there have been a few stocks splits. Popular stocks that have split were Apple and Tesla stock. Most recently GE announced that they will also be doing a stock split. In this episode we want to talk about the pros and cons of a stock split. How will the upcoming GE stock split effect you and what would happen to the market if a big stock link like Amazon would do a stock split. We will also talk about how stock splits may affect any options that you may have open with that particular stock.
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There is an ongoing debate in the personal finance community. Should you pay off your mortgage early or invest the money hoping for greater returns.
This is a question that podcast host JJ Buckner and his wife Lindsey tossed back and forth for years before finally coming to a decision to crush their mortgage and the road was not easy.
In this episode we bring in JJ's wife to give a picture of the last 5 years and how this lead them to where they are today. In the past 5 years they have moved to Hawaii, moved back to Missouri, lived in their dad's basement, drew up plans to build their dream home, been unemployed, and had two kids. This does not sound like the beginning of a story that ends with a paid off mortgage.
Join us for this episode to hear the lessons they have learned, the highs and lows, and how their experience may help shape the path of your decisions.
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In this "exspecially" fun episode Brad and JJ "basically" talk about their opinions on the fastest way to financial freedom, while "automonously" live streaming on YouTube, and celebrating their 1,000th subscriber. Oh yeah, there are some inside jokes in this episode. Brad and JJ love celebrating the small wins, and are excited to share a few new developments with the podcast, like new Average Money Merchandise
Brad and JJ reveal to the listeners that “The Average Money Podcast” is going to take any income and profits the podcast makes and purchase a rental property as part of the business partnership that they have, and they are excited to share the journey with the listeners. JJ was enjoying a “bro day” with his son when a property pops up that looked like a good deal, and JJ spent the day jumping through hoops with lenders, his property manager, and finding market-based rents, but at the end of the day the numbers didn't work and they needed to walk away. They talk about the number one rule in investing is not letting your emotions take control, so while they were disappointed the numbers didn't work out, they made a smart financial decision. As the episode progresses one of the viewers asks:
“At what stage in your financial journey should you not consider investing in Real Estate? And can you consider yourself financially successful and not own real estate?”
While they both agree that it's best to pay off debt before investing in Real Estate, JJ thinks that it's definitely possible to be financially successful without real estate, but that the majority of millionaires out there own some form of real estate. Then JJ boldly states that he thinks that Real Estate is the single fastest way that someone can become financially independent. They dive deep into the ins and outs of owning a rental property, and provide several pro-tips.
As the rental property discussion continues they talk about the power of partnerships, and knowing yourself and your strengths and weaknesses. Brad talks about some of his weaknesses, and being born an introvert, and how JJ is a great business partner because several of JJ’s strengths are well suited to fill in Brad’s weaknesses. JJ talks about how he’s always ran solo on his business ventures, but the power of building relationships has allowed him to grow exponentially and has completely changed his mindset in regards to partnership.
Brad and JJ make plans to celebrate when they hit 100,000 downloads, Brad guesses that they will get there by March (2021), JJ said before the end of the year, possibly by the time of his vacation.
They continued the episode by answering several questions from the YouTube livestream chat. If Brad/JJ could interview anyone they want from YouTube on the podcast, both in the financial space and non-financial space, who would they want to bring on? Besides real estate, what other forms of investments do Brad/JJ recommend? Should we bother buying any Bitcoin? With covered calls being so lucrative, why bother investing in dividend stocks?
They end the episode by reading a review on Apple Podcasts. They thank the listeners for listening and mention that they love hearing when their listeners are debt free and are winning on their financial journeys. Tune in to this great episode that is full of fun and laughs!
Description Written By Average Money Community Member Aaron Azevedo! Thanks Arron!
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Today's voice mail comes in from Miguel. Miguel is starting to look for house and applying for a mortgage is usually a big part of that process. He is finding cumbersome to have to print out "proof of funds" every time he has to apply for a mortgage with a bank. Miguel was curious our take on savings accounts, how we organize them and avoid annoying things like needing to print out statements.
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This week we have a question from 19 year old Frank. Frank wants to hear our thoughts on saving up for larger future purchases like a home, car, wedding, etc. He want to know if he should be putting that money in a savings account or, with the interest being so low these days, should he invest that money. JJ and Brad have different methods of savings which should align with almost anyones current financial situation.
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Over the past 5 years the Stock Market has been a roller coaster of emotions. At this point, we pretty much feel as though we have seen everything that the Stock Market has to throw at us. But here's the thing, we are prepared for everything that the Stock Market has to throw at us. That isn't the case for everyone. There are so many new investors out there that we feel have a misrepresentation and false expectation of what the reality of the situation is. Maybe this is the new normal, but we doubt it.
This is made worse by the fact that we are content creators. We have been being fighting a moral dilemma about the content we produce and the manipulation of YouTube on us, not as viewers, but as creators. Everywhere you look on YouTube there are stock channels pumping penny stocks and yolo options plays and we aren't pointing fingers at anyone but ourselves. Our biggest fear is that the new investor will enter this market with some expectation of return and we have a correction in the market. Now this new investor thinks that this is gambling, they have a bad taste in their mouths, and they never return to investing again.
In this episode, we will give a behind the scenes look at how we feel about the stock market now in 2021 and how our personal investing decisions and our YouTube investing decisions totally differ. We want beginner and veteran investors alike to know where we stand on investing, the market, and YouTube as well.
We hope you enjoy! Cheers
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As young adults, we always hear SAVE MORE and INVEST NOW! Although this statement is true and great advice, there still needs to be a balance. Sometimes, we get so caught up in trying to get ahead financially that we forget that it is ok to live a little. In today's episode, we talk about an amazing question from Trevor. Trevor asks about short term gratification and living life to the fullest vs growing net worth as fast as possible. Trevor is debt free, 22 years old, and has a net worth approaching $400k. Although he is doing so well with money, he is finding it hard to find the right time to spend a little bit of his money and enjoy it!
We discuss things we have done and wish they would have done as a younger adult. We both agree that we would make some changes, but still talk about the importance of saving money and setting yourself up financially FIRST. You have to enjoy life while you are here and there are ways you can do so without going thousands of dollars into credit card debt or spending all of your money on materialistic items.
Thank you so much for your question Trevor! Cheers
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In this episode we break down Dave Ramsey's 7 Baby Steps. Who is Dave Ramsey? Dave Ramsey is a personal money management expert, podcast host, and author with over 11 Million copies of his books sold. By his mid 20's he had built a multimillion dollar real estate portfolio, all to lose it all and file for bankruptcy by age 30.
He is the creator of Financial Peace University (FPU), a program that helps people pay off their debt as quickly as possible, take control of their personal finance, and learn to live a life based founded on commitment and accountability.
In FPU, Dave lays out the 7 Baby Steps. He claims that it will "show you how to save for emergencies, pay off all your debt for good, and build wealth." Baby Step 1 is to save $1,000 for a starter emergency fund. Baby Step 2 is to pay off all your debt (except the house) as fast as possible using the Debt Snowball Method. Step 3 is to buy a 3-6 month fully funded emergency fund. Step 4 is to invest 15% of your house hold income into retirement savings. Step 5 says to save for your child's college education. Dave wants you to pay off your house early in Baby Step 6 and "live and give like no one else" in Baby Step 7 by growing wealth.
Brad and JJ both have experience with the 7 Baby Steps. In this episode we break down the 7 Baby Steps. Cheers.
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Recorded Saturday January Second
This question comes in from Jacob. Jacob wanted to know how we utilize and employ trailing stop limits as well as limit orders on our stock purchases, and options trades.
What is a stop loss? A stop-loss order is an order placed with a broker to buy or sell a security when it reaches a certain price. Stop-loss orders are designed to limit an investor’s loss on a position in a security and are different from stop limit orders. When a stock falls below the stop price the order becomes a and it executes at the next available price. For example, a trader may buy a stock and places a stop-loss order 10% below the purchase price. Should the stock drop, the stop-loss order would be activated, and the stock would be sold as a market order.
Thanks so much for your question Jacob Cheers!
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Recorded Saturday January Second Do you think you could narrow down your favorite stocks down to a list of only 5? In this video we both made a list of our favorite stocks to buy and hold forever. This included some dividend stocks and some growth stocks as well.
Before recording, we did not discuss our list with each others and some of our picks surprised the heck out of each other. This was a fun episode to record for sure and we think you will be able to hear that joy in our voices. We hope you enjoy listening as much as we enjoyed making it!
Cheers
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Todays voice mail question comes from Scott. He has been invest in stocks and has recently become more interested in trading options. He was curious what our opinion would be on the best way to start. We talk about the pros and cons of buying vs selling options and a few different choices that beginners will have. This includes selling covered calls and cash secure puts and building that into the wheel strategy.
Even if you are not ready to start trading options we highly recommend giving this a listen so you know where you may want to begin one day.
Cheers
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In today's episode we are going to be talking about the wonderful Roth IRA and why we think it is the BEST investment vehicle of 2021. We will break down exactly what a Roth IRA and how you can open it. We will break down the different types of investments you can put inside your Roth IRA and whether we like to Dollar Cost Average our investment or Lump Sum it all in at the beginning of the year.
We will also look at some of the less common pros of the Roth IRA that many people dont know about including how Brad uses it as part of his emergency fund.
For the real money nerd out there, the episode will be one of your favorites. Sit back, relax, and let's all become Tax Free Millionaires.
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This weeks voicemail question comes from Aaron and asks how we plan to teach our kids about money and what lessons we hope to instill on our kids as they get older.
As parents, the financial success of our children's weighs heavy on our shoulders. Too many times I hear from parents who, later in life, feel like they didn't give their children the best chance to succeed with money. There is such a tough balance between trying to give our kids all things maybe "we never had" while at the same time teaching them the purpose and value of money.
Passing down the things we have learned about money is an amazing way to continue generational wealth. We are both parent to young children are faced with the task of making sure our kids grow up with a foundation of personal finance.
Whether you are already a parent or plan to be on in the future, this episode will give you some ideas on how to teach your kids about money and set them up for success.
Thank you so much for listening!
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Setting goals can be put in the same kind of category as making a budget. They seem lame, they are definitely something that you don't talk to your friends about at parties BUT they will change the course of your life!
These can be tough conversations to have with yourself and it is always good to have an accountability partner through the goal making process. Since both of our wives hate listening to use talk about money, this is the perfect opportunity to use each other and help one another succeed.
In this episode, we not only want to talk about the goals we have for the podcast, our personal lives, as well as personal finance, but tell you some things we have learned about setting goals. Tips and tricks that may help you get started on your journey to setting goals or help you fine tune the ones you already have for yourself!
Sit back, relax, grab a pen, and let's do this! Happy New Year!
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The FIRE Movement and Early Retirement may seem amazing on paper but there are things you really need to consider when leaving that W2 Job. One of those things to consider is the cost of Medical Insurance.
In todays episode we take a question from Andrew, and talk health insurance strategies to consider before Early Retirement.
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Jon's Instagram @TheFrugalInvestor
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This week we get to sit down with Real Estate Investor and Entrepreneur Jon Schoeller. Jon is a one of a kind human that can inspire anyone to succeed.
He realized early on in life that school wasn't for him due to the lack of business stimulation that it provided. This is where his skills as a natural born hustler and passion for strategic ways to handle money came in handy. After starting many business and partnering in many more, Jon has found himself in a position to be Financially Independent and never need to work a day in his life ever again. But this is not the path he chose! He has build a flawless real estate business with his partners Andrew and Steve and shows no signs of slowing down.
This episode provides tips that you can take with you to succeed with money not only in real estate, but in life as well. It is an honor to call Jon a friend and the value that he provides is unmatched.
Sit back, crack a beer, and enjoy this episode with Jon Schoeller!
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On this, our second Friday Edition of the podcast we are once again reacting to a question left by you on our voicemail.
The long and short of this question is, is it ok to invest cash that would be considered part of your emergency fund into the markets for a better return because the interest rates on savings accounts are so low!
This is something we get asked a lot and our answers may surprise you!
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This is one of the most fun episodes we have recorded to date. This week Brad puts JJ on the "Hot Seat" and asks him some of the most popular interview questions that author and podcaster Tim Ferriss uses when interviewing some of the top names in the world. JJ had no idea what the questions would be and you will hear his answers live and first hand. These questions deal with success, money, happiness, contentment, family, and business. We found our selves going deep and personal with some of these questions and learned a lot about each other. At the end of the day this single episode helped reinforce the strong bond with have with success and financial independence. We encourage you to press pause after each questions and answer them for yourself. Bring your answers to life in our private Facebook Group "Average Money". Thank you so much for listening. Cheers!
In the first Friday edition of Average Money we take a listeners voice mail and give our thoughts.
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This question comes in from a 22 year old with some student loan debt. He just graduated and has the option to hold off on paying his debt, which is common when you graduate from school. Most will give you the opportunity to defer a few months till you find a job. He also has the opportunity to enter a loan forgiveness program. All that aside, he has been doing a little bit of investing in the market and is wondering if that is right move considering he has that debt.
Should he pay off his debts, or defer his payments and keep investing to take advantage of his young age and the power of compound interest.
This is a heated debate in the the personal finance space, so tune in to find out what our opinions are on this topic. Our answers may surprise you.
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This was probably the funnest episode to make so far! While starting to talk about ways to save money we hit the pause button and said "hey you come up with 5 and ill come up with 5 and well record it live while we tell each other". Surprisingly we didn't choose any of the same ways. Some we agreed with, some disagreed with, some we STRONGLY disagreed with!
Sit back, relax, and have a laugh with us this week while at the same time learning 10 ways we plan to save money in 2021.
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Bruce YouTube: UCl0It9cuBpyq7MSvAPQnGWw Bruce Insta: https://www.instagram.com/brucewannng/?hl=en
This week we had an awesome opportunity to sit down with Bruce Wang. Bruce is probably most well know for his YouTube channel, but the information he shares there is just the tip of the iceberg. Bruce has a wealth of knowledge about money and the personal finance space and we were lucky enough to get to pick his brain.
After college, knowing that he did not want to jump right into the rat race, he spent a few years in Cambodia where he first tested his skills in entrepreneurship. This venture lead to his early videos on importing and selling hover boards in Cambodia.
As a natural saver he came back to the states, and with the help of his brother and The Bigger Pockets Podcast, purchased his first duplex with his wife and they started down the path of real estate investing. This single venture has now expanded into over four units in the Northeast of the US.
Bruce shares how real estate investing, dividend stocks, and entrepreneurship has allowed him to live Financially Free as the young age of 32. Thanks again for spending some time with use Bruce!
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In this episode we are talking Bitcoin. Let's talk about the good, the bad, and the ugly about Bitcoin. We breakdown how it started and why. We touch upon the criticism it receives and give a possible alternative perspective.
Find out if we feel that Bitcoin is the currency of the future and has a place in everyones investment portfolio!
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Today we sit down with Scott Rieckens, an Emmy-nominated film/video producer, serial entrepreneur, and author of Playing With FIRE. Scott, and his wife Taylor, dedicated three years of their lives changing the course of their future and bringing to light the idea of Financial Independence. In this episode we talk about the sacrifices they made, what it was like creating a documentary, and their life since the movie. Scott's approach to not only money, but life in general, is something that can be an inspiration to us all. His journey reaches way beyond money to a life that is simpler and filled with happiness.
DISCLAIMER: This description contain affiliate links. This means that if you click on one of the product links, We’ll receive a small commission at no cost to you; all of which helps grow the Podcast! Thank you for your support!
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The FIRE Movement is a huge part of our lives. For us, it can be simplified into one word "Freedom". FIRE is an acronym that stand for Financial Independence Retire Early. Critics will question what it means to retire early. Retirement to us mean we have the freedom to do that jobs we CHOOSE to do when we want to do them! It means that we can push off work for a few hours to spend time with our families. It means we can pursue passion projects and side hustles we love. But more importantly, it means we get to live life on our terms!
In this episode we will break down three different specific ways we have invested during our personal finance journey to reach FIRE! These are simple, but effective, ways to fund the life that you want to live and see retirement in a completely different way!
Today we had the pleasure of sitting down with Marko Zlatic of Whiteboard Finance.
Marko's YouTube channel Whiteboard Finance has growth to over 400,000+ subscribes where his number one priority is to help you master your money and build your wealth.
Marko's approach to personal finance is one of a kind. His upbringing, education, and life experience give him a wealth of knowledge you don't find everyday in the niche of personal finance. We were lucky enough to sit down with him in this causal setting and talk about the entire spectrum of personal finance.
We started with the importance of managing debt, setting financial goals, and taking control of your destiny. We were able to discuss the current state of the United States Market, The Fed printing money, and how interest rates in this environment effect the average individual. We finished with a talk about Bitcoin, its future, and what assets could be the best investment right now.
Find out more about Marko and the things we spoke about on his Youtube Channel: https://www.youtube.com/channel/UCL_v4tC26PvOFytV1_eEVSg or by visiting his website: https://whiteboardfinance.com
✔ Get a 2 FREE Stocks on WeBull (Valued up to $1600 when you deposit $100): http://bit.ly/jjbuckner-webull ✔ INVEST with M1 Finance (Open a Roth IRA): http://bit.ly/jjbuckner-m1
Over the past few years Robinhood has been the leader in the world of stock trading apps. It has been a trail blazer, carving the path and setting the new standards for other to follow. We have both been using Robinhood for over three years and are now stepping away. It this episode we will discuss the pros and cons of the Robinhood Trading app and why we are stepping away. We will discuss how this is a personal choice that may not effect all that use the app and the benefits that it can serve so many with.
We will compare Robinhood to the other current popular trading apps M1 Finance and Webull. We strongly believe that between these app any investor at any level of their stock purchasing career can find a home. With the pros and cons of each app we finish the episode with our number one recommendation being M1 Finance. If you are looking to make the switch from Robinhood as well click the links above to check out M1 Finance as well as Webull.
DISCLOSURE: Some of the links on this page are affiliate links, meaning, at no additional cost to you, we may earn a commission if you click through and make a purchase and/or subscribe. The ideas presented in this video are personal opinions and for entertainment purposes only. THIS IS NOT FINANCIAL ADVICE!
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Having a high Credit Score can save you thousands. Although some would argue against a high credit score saying it is just a measure of how good you are at borrowing money, we have seen the benefits of having a high score. We have been on both side of the equation.
In this episode we want to break down the pros of having an above 800 credit score and the places that it will help you save! We will talk about the mistakes we have made that we hope you can avoid. After hearing our story first hand we will break down the parts of a credit score, what the important things are to consider, as well as fixing any mistake that you may have made in the past.
For many of us INVESTING can be an intimidating process. From choosing the right 401k plan to buying a stock, it's hard to be confident that you are making the best choices for your future.
We have been there!
In this episode, we will break down and explain all of the basic investment opportunities you may encounter. We start with the Roth IRA and how this may be the single best option that we, as Americans have. We talk about choosing the best 401k and Brad will break down the state employee Tax Deferred 403b and 457 and what type of funds we have in both.
How do you decide if you should us passively or actively managed funds? Should you invest in index funds or individual stocks? Is it better to have a dividend portfolio or growth portfolio? These are all the questions we faces during our initial investing career!
We close the episode with Real Estate and how this is the investment avenue that we are most excited about!
Enjoy this episode of Average Money Cheers!
This one we are so excited to share a conversation we had with Nate O'Brien. Nate is probably most well know for his YouTube platform where he has a following of over 750,000 subscribers, but there is so much to learn from the decisions he makes and the life he chooses to live.
At 22 years old Nate has worked for years to build a personal brand and inspire those around him to live the life they dream of. This former Penn State Marketing major saw potential early on and knew that he could find ways to make money online. This combined with his ability to live frugally, avoid short term gratification, and continue to set goals for himself has allowed him to live life on his terms.
Now you can find Nate traveling the world ,creating new business ventures, and finding the hidden alternative paths to success. In this episode Nate tells us what it took to succeed, how he always chooses to "produce and not consume", and what is in store for him in the future. Whether you are a 18 year old high school student or a 60 year old retiree Nate will inspire you to find happiness in your life!
You can find Nate on his YouTube Channel: Nate O'Brien and Instagram: nateobrienn (yes to two n's)
Getting to Financial Freedom does not happen over night. It is a process and there are many different roads to lead you there. Regardless of the path you take to reach Financial Success there is one step that we all must take. Managing and eliminating DEBT is crucial. Debt will deplete wealth and derail financial momentum.
In this episode we are going to talk about debt! The good, the bad, and the ugly! We will give our debt stories and "ah ha" moments we had when making the choice that debt was no longer going to be apart of our lives. Our reasons may be different, but our goal was the same. LIVE DEBT FREE!
We will discuss debt and it's role in relationships and marriage, different methods of debt payoff like the Debt Snowball vs Debt Avalanche, and other highly debated debt topics such as "Good Debt". We hope you enjoy this episode of Average Money.
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Full Video Of This Episode On Our YouTube Channel! https://www.youtube.com/channel/UCouWgQ9TLXsSkZ32lSZhDmg
In the episode we sit down with entrepreneur Bryce Matheson. We got the pleasure to meet Bryce through YouTube and have just been blow away by the success that he has had by just the age of 27! Him and his wife have taken the simple concept of "House Hacking" and turned it into over 1.6 Million dollars in Real Estate.
Real Estate is just the tip of the iceberg when it comes to the value that Bryce brings his listeners. He is teaching others how to start web hosting businesses right from home to generate passive income as well as giving simple tricks and ideas to fund grown up "toys" and vacations.
We hope you enjoy this episode with Bryce. Please check out the links below to learn more about what Bryce is doing and how he can bring some value to your life!
Click For YouTube Video Clips!
Ways To Find Bryce And Check Out What He Has To Offer!
Bryce's YouTube Channel
Rental Property Expense App: https://rentastic.io
How to Start a Web Hosting Company Playlist: https://www.youtube.com/watch?v=L1OVYyUOHUo&list=PLNaj8kx14EC_rO9nN17t7vjGTr_8LyKht
How to Flip Cars/Toys from Auction: https://www.youtube.com/watch?v=pL-4wVU_4vI
Bryce On Instagram: https://www.instagram.com/brycematheson
Welcome to Average Money! The podcast is brought to you by two friends: Brad Finn, a physics teacher in New York and JJ Buckner a full-time YouTuber who recently left his day job to pursue his passion for spreading financial education. They are just two average family guys with above average dreams, looking to share their story as they work to become financially free.
The goals for the podcast are to talk about money with you every single week, and talk about the strategies they’ve used to achieve their goals financially. This podcast will provide insight from different guests across all different walks of life, who have accomplished amazing things through hard work, education, and discipline, and Brad and JJ are excited to share their stories with you.
In the first episode of Average Money, Brad and JJ answer a lot of common questions: why is financial literacy so important? What are the goals and sacrifices that it takes to become financially independent? How did they get to where they are today? Why did they start thinking about money differently than their peers?
JJ shares his backstory and talks about growing up as a natural saver, putting aside any money he earned for specific purposes. However, his main financial journey started after he graduated college with an engineering degree and began working for an engineering firm and hated it, he could not see himself working there until retirement age. He didn't want to live out his life the same way he saw his superiors living theirs and wanted to be more efficient with his money. JJ shares about how he got into YouTube, and needing an outlet to share his financial knowledge, opinions and thoughts, which ultimately brought him here.
Brad talks about how he was more of a spender, who always had money coming in but had no idea about lifestyle creep, and had no idea what his net worth was until he looked into it and was shocked to see that it was negative and he had no idea. He talks about how his mindset changed and came into perspective once he became a dad, and had a desire to leave a legacy for his kids. Brad talks about his journey paying off debt, and how he persevered through the rough times of paying off debt and how treating his net worth as a scoreboard for keeping him motivated.
The episode dives into the power of tracking and writing down your expenses and tracking it against a budget. They talk about the power of how giving up things now can pay off huge later in life, through the power of compounding. JJ talks about how giving up short term gratification allowed him to quit his day job before he turned 30 and post on YouTube full-time, and be afforded the time to spend more time with his kids. Brad compares it to being able to pour his coffee slow, make his coffee with a french press, instead of the usual work days which are much more hectic and he doesn’t have time for a 10 minute cup of coffee.
Description Written By Average Money Community Member Aaron Azevedo! Thanks Arron!
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