Podcast The Struggle Is Real terbaik (2024)

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When You Can Afford to Leave Your Job But You’re Afraid to Quit | E153 Tess Waresmith & Nicole Franklin 48:35

12d ago48:35

48:35

There will be a point in your FI journey when a stable salary will become less important to you. You’ve built up your savings and investments to a place where you are comfortable. The freedom and flexibility over your time are more valuable than that regular paycheck. The thought of leaving your job has you nervous though. Even after running the nu…

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Ignoring the Rules and Paving Your Own Path to FIRE | E152 Diania Merriam 51:29

26d ago51:29

51:29

I love FI because it allows me to break the rules and live outside the norm. Like, no one has time for 40 years of traditional employment. But little did I realize I left one set of rules only to get caught up in another - the rules of personal finance. For example, let's look at one popular idea, “spend less than you earn and invest the difference…

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When She Makes More Than You…in a Culture that Hasn’t Normalized Breadwinning Women | E151 Ed Coambs 45:04

1M ago45:04

45:04

While we still have a lot of work to do, I’m really glad we’ve made strides in closing the gender pay gap. Women's increased incomes have led to significant changes in household dynamics. More women are becoming the primary or even sole breadwinner for their family. This change is great and has led to many positives for both men and women. However,…

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Roth vs Traditional: Which is Right For You If You’re Pursuing FIRE? | E150 Rachael Camp 45:17

2M ago45:17

45:17

It’s one of the most hotly debated topics in personal finance…Roth or Traditional? Some argue that the national debt almost guarantees higher taxes in the future and that you should choose Roth and pay your taxes now. Others argue that flexibility and low-earning retirement years should lead you to choose traditional. And of course, some “professio…

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Is the US Stock Market Too Reliant on a Few Large Companies? | E149 Erik Baskin 43:44

2M ago43:44

43:44

Over the last couple of years, a key group of companies known as The Magnificent Seven has emerged. This group of high-performing and influential companies includes Alphabet, Amazon, Apple, Meta, Microsoft, NVIDIA, and Tesla. These companies are at the forefront of sectors such as artificial intelligence, electric vehicles, cloud computing, and dig…

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Reverse Budgeting: Low-Stress Way to Spend Guilt-Free and Keep Your Finances Healthy | E148 Peter Lazaroff 44:33

3M ago44:33

44:33

Things can get complicated quickly in the world of personal finance. From investing and budgeting to estate planning and insurance, there are multiple ways to accomplish what you need to get done. Let’s take investing for example. There are different strategies including but not limited to passive index investing, value buying, the 3-fund portfolio…

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How to Fight About Money Without Ruining a Relationship | E147 Allie Volpe 43:00

3M ago43:00

43:00

There are going to be differences. And these differences are what lead to disagreements. Imagine a scenario where you and your friends are booking an Airbnb for an upcoming trip. The group isn’t progressing, and you can tell by the tone people are getting frustrated. Half of the group wants a cheap option while the other half wants a nice place clo…

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5 Secrets to Make Your FIRE Journey Fun | E146 Jackie Cummings Koski 53:07

4M ago53:07

53:07

Yes, your path to financial independence is going to take work and sacrifice but it shouldn’t be miserable. Financial independence is not worth it if it means being unhappy for decades of your life. There should be lots of moments of fun because life is precious both before and after you reach FI. So in today’s episode, Jackie Cummings Koski is bac…

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Use Flow State to Achieve More and Accelerate Your Financial Goals | E145 Justine Elizabeth 43:40

4M ago43:40

43:40

Whether you consider yourself a writer or not, you’ve been asked to write before. This could be an essay for school, an email at work, or a caption for a post. Sometimes when we are writing, we have a complete brain fart. No matter how hard we try, the words aren’t coming out. We write a sentence and delete it. We start writing another sentence, ge…

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Why Are We So Weird When It Comes to Money | E144 Paco de Leon 46:10

5M ago46:10

46:10

Humans are weird whenever it comes to money. We drive five miles out of the way to save a few cents on gas. We buy things we don’t need because they’re on sale. We don’t ask for a raise although we’ve been working hard at the same place for years. We all have irrational behaviors when it comes to money and a lot of this has to do with psychology. C…

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Work Optionality: A Different Way to Imagine at FIRE | E143 Rachael Camp 48:02

5M ago48:02

48:02

Work optionality is the idea that you work because you want to, not because you have to. As you’re listening to this in your 20s, this concept might seem like a pipe dream. That’s truly fair. Most of us don’t have this luxury. We are building wealth, along with just paying our bills, and it takes income to do that. But this idea might not be as far…

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Embracing Mini-Retirements: How to Take Breaks on Your Path to FI | E142 Jillian Johnsrud 42:52

6M ago42:52

42:52

Let’s not sugarcoat it, the path to financial independence is a grind. Even with an aggressive savings rate and an extended bull market run, you’re going to be at it for a while. Setting the hard work aside, we also have to ask ourselves, what are we racing towards? Yes, of course, financial independence and freedom, but what would you do with that…

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Retiring Early? How to Withdrawal Money from Your 401(k)Without a Penalty | E141 Sean Mullaney 46:54

6M ago46:54

46:54

We always hear the importance of taking advantage of our 401K and IRA accounts. The tax advantages and employer match are too good to pass up on. But is this true for early retirees? If I’m planning on retiring in my 40s, should I be locking my money away in these accounts? How do I bridge the gap between early retirement and 59.5 - the age at whic…

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Does My FIRE Number Account for Inflation? | E140 Jesse Cramer 55:05

6M ago55:05

55:05

I love playing with compound interest calculators and one equation I’m routinely calculating is the number of years until I reach financial independence. Using the 4% rule, I multiply my living expenses by 25 to get my FIRE number. I use that, my current net worth and various contribution rates to predict when I’ll reach FI. But then I started thin…

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6 Essential Skills to Have a Successful Career (and Make More Money) | E139 Dave Lamont 53:47

7M ago53:47

53:47

As someone pursuing early financial independence, it is almost guaranteed that over time, a lot of your wealth will come from investment growth but as we all know, it takes money to make money. The first $100,000 of your net worth is a lot of hard work: you need to make income, live below your means, and aggressively save. And through all of this, …

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How to Fire Your Financial Advisor (for Those Who Don’t Like Confrontation) | E138 Tess Waresmith 48:05

7M ago48:05

48:05

You’ve been pouring into your personal finance education and you’re starting to feel more empowered to manage your investments. You might have even played around with online calculators and realized how much that 1% advisor fee is really costing you. But years ago, when you were less confident and didn’t know better, you hired someone to help you w…

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5 Affordable Yet Fun Date Ideas | E137 Samantha Vigneau 49:08

8M ago49:08

49:08

Dating is expensive. There is no way to sugarcoat it. Between dinner, drinks, parking, entertainment, and more…the costs quickly add up. I was reading an article and they surveyed 2,000 Americans to find out the average person has spent $3,025 over the last year on dating. That’s a little more than $250 a month and it didn’t include indirect costs …

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First Time Real Estate Investor? Don’t Make These 3 Mistakes | E136 Dustin Heiner 43:35

8M ago43:35

43:35

If you’re interested in early retirement, you have to consider how you will afford life when a paycheck isn’t hitting your bank account every other Friday. Of course, my favorite method is investing in the stock market. This provides dividend income and the ability to sell your stocks when you need to but there is another obvious method out there -…

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Learn to Improve Your Commitment and Follow-Through | E135 Matt Worthington 45:03

9M ago45:03

45:03

Even with an aggressive savings rate, reaching financial independence will take 10 to 15 years assuming the market plays nice with you. Stack on paying off debts and saving for large purchases like a wedding, a new car, or your first home, we can see how this is going to be an extended journey. Throughout that journey, how do we stay committed and …

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This is the REAL Meaning of Being Frugal (and It’s Not Depriving Yourself) l E134 Joel Larsgaard How to Money 42:17

9M ago42:17

42:17

When I say the word frugal, what comes to mind? Do you think of your penny-pitching sibling? Or your coupon-clipping aunt? Your co-worker that always brings their lunch? The reality is, frugal means something different to everyone. Frugality is a spectrum, and I believe it can be extremely beneficial to live your 20s with a healthy amount of frugal…

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How to Ask for a Raise: Step-By-Step Process to Make the Ask & Actually Get It | E133 Andrew Giancola 33:46

10M ago33:46

33:46

You’re a top performer at work. Your manager routinely praises you and you’ve been taking on more responsibilities as your team and your company grows. With all of these positive indicators, a thought has been in the back of your mind - “I deserve a raise.” Those 2 to 3% increases you’ve received the last couple of years aren’t making a major diffe…

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How to Launch a Side Hustle While Working Full-Time | E132 Genuinely Genesis 41:15

10M ago41:15

41:15

One of the keys to building wealth is increasing your income. Most 20-somethings don’t have a savings problem, they have an income problem. You’re trying to pay off student loans, graduate from a college lifestyle, and invest for their future all while working with an entry-level salary. While I believe the fastest way to increase your income is fo…

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01.13.24 56:41

10M ago56:41

56:41

Migraines, temperature, Midwest, mental health, teaching, PhD, dissertation, randomness, ramblings--- Support this podcast: https://podcasters.spotify.com/pod/show/ak03/support

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01.08.24 59:35

10M ago59:35

59:35

Update, work, life, teaching, students, frustration, foolishness, rant, usual ramblings, history, school--- Support this podcast: https://podcasters.spotify.com/pod/show/ak03/support

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Using Geo Arbitrage to Save a Ton of Money and Reach FI/RE Sooner | E131 Rachel Covert 45:47

11M ago45:47

45:47

It’s hard living a frugal life. I’m constantly questioning myself whenever I do things like taking leftovers from a free corporate lunch or doing date night at 4pm so we can get happy hour pricing. Although these frugal practices are simply a journey all 20-somethings need to live through, it’s not what I want to be doing forever. But what if I tol…

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Former Inmate on Believing in Yourself, Creating Your Comeback, and Proving Them Wrong | E130 Nate Dukes 50:14

11M ago50:14

50:14

For today’s episode, we are going to pause our money content to share a powerful story. With 2024 quickly approaching, I’m sure you’re giving thought to some changes you’d love to make in your life. It could be that you want to eat healthier, repair a relationship, feel more confident, tap into your true potential, or anything of the sort. But mayb…

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