This week’s episode is a rare one that we recorded the same day it’s released, because… well, life is happening fast. After taking a much-needed break, we returned to headlines that changed the tone of the summer and the temperature of the market. In this episode, we’re talking about how to manage your investments during times of global instability and uncertainty. This isn’t advice or hype, it’s our perspective, grounded in history, patterns, and what actually works. We’re not here to guess wha...
Jun 23, 2025•35 min•Ep. 218
Youth sports are not just sports anymore. They’re a $40 billion+ industry and in this episode, we’re getting all the way into it. We’re talking about the emotional pressure, the social expectations, the team group chats, the $75 photo packages that somehow still exist in 2025, and why nobody tells you the signup fee is just the beginning. Whether you're new to the world of cleats and concession stands or already halfway through a season with three backup uniforms and a mini mortgage in gear, thi...
Jun 09, 2025•40 min
In this episode, we’re talking about how to know when it’s REALLY time to go. Not when your manager makes it unbearable, not when the reorg finally hits, but when YOU decide that staying is costing more than it’s worth. We break down the three questions that have helped us walk away from “good” jobs and build a better life on the other side. We talk about what your job is teaching you (even when you’re not paying attention), how to tell if you have any say in your future there, and why asking “w...
Jun 02, 2025•44 min•Ep. 216
Most money advice assumes you’re either bad at math or just need more discipline, but what if the real reason your budget isn’t working is because it was never designed for how you actually spend ? In this episode, we revisit a section from our book Cashing Out that recently got new life thanks to a great piece written by our friend Leo Aquino for Business Insider . It’s all about the three emotional spending profiles we’ve seen over and over again: Fast Spenders, Financially Insecure, and what ...
May 26, 2025•49 min•Ep. 215
Every year, we set aside an episode just for new grads, and this year’s version is an evolved view of last year’s advice to “Get Paid”. Because let’s keep it a buck, the Class of 2025 is graduating into a mess. The job market is weird, AI is replacing entry-level work, internships aren’t converting, and employers say they’re hiring, but for what? Meanwhile, everything is expensive and everyone online is yelling about branding yourself by Tuesday. So in this episode, we’re flipping the script on ...
May 19, 2025•44 min•Ep. 214
Sometimes you need a little extra money, but what you don’t need is another boss, a second shift, or a business plan you’ll never finish. In this episode, we’re walking through some of the most overlooked ways to earn extra income. Everything from plasma donation, junk hauling, voiceovers, waiting in line, and a few others I can’t put in the description without attracting a bunch of bots. We’re challenging the idea that income only comes from jobs. We talk about the emotional (and sometimes phys...
May 12, 2025•40 min•Ep. 213
This week’s episode is about decision-making and how to know what’s actually worth it when you work for yourself. We recorded this right after speaking at a conference in Jamaica where we walked through some of our own real-life crossroads as business owners with a group of entrepreneurs. The talk resonated so deeply, the only feedback we got was: “Can you just put this all on one page?” This is our answer to that. We’re talking about those high-stakes, low-certainty moments every entrepreneur, ...
May 05, 2025•43 min•Ep. 212
It's the last Monday of Financial Literacy Month 2025, and unless you’ve been living under a rock or blissfully disconnected, you’ve probably heard the noise about tariffs lately. U.S. tariffs on Chinese imports are climbing as high as 145%, with threats to go even higher. And while it’s tempting to think that’s a political issue, the truth is tariffs effect your wallet and budget. In this episode, we’re breaking down what tariffs actually are, how they distort prices, and why understanding how ...
Apr 28, 2025•41 min•Ep. 211
This week, we’re breaking down bankruptcy in the way it should’ve been explained all along: without shame, without legal jargon, and without the “womp womp” energy we’ve all been taught to bring to it. You’ve probably heard of Chapter 7. Maybe even Chapter 13. But unless you’ve filed for bankruptcy, or know someone who has, you’ve likely never learned what it actually means . We kick things off with the viral rise of the “debt strike” trend on TikTok and Instagram, where people are publicly decl...
Apr 21, 2025•43 min•Ep. 210
What if we told you there are cities in the U.S. that will pay you to live there? In this episode, we're following up on our popular expat conversation with a deep dive into domestic relocation incentives. We’re talking cash grants, down payment assistance, tax breaks, bikes, and even golf memberships offered by places you may have never considered calling home. Think Jackson, Michigan. Pawnee City, Nebraska. Topeka, Kansas. Tulsa, Oklahoma. Yes, they’re real places, and they’re putting real mon...
Apr 14, 2025•38 min•Ep. 209
Most people aren’t neutral about the idea of living in a car, and that’s exactly why we needed to talk about it. This week, we dig into the stigma, structure, and stories behind van life. It’s not a guide on how to gut a Sprinter or stealth-camp in a Target parking lot, it’s a deeper exploration of what it means to live differently and why that still freaks people out. From the viral story of Dawn Robinson of En Vogue (yes, * that* Dawn) who shared that she’s been living in her car by choice for...
Apr 07, 2025•42 min•Ep. 208
This week, we’re sharing 3 of our best tips on how to live on a single income. It's a topic that might feel distant, perhaps even undesirable, but for many, it's becoming an increasingly relevant concern. We've lived the single-income life by choice and by circumstance. It's not always pretty, but it can be done. And sometimes, being forced to tighten your belt is the exact kick in the pants you need to get your financial house in order. Whether you choose to live on one income as some kind of F...
Mar 31, 2025•47 min•Ep. 207
Links: Watch the 90-second trailer of Taste the Impact Watch the full-length "Taste the Impact" mini-doc now Register for the Shifting Wealth, Shaping Futures info session on March 26th Become a member of Invest for Better (it’s free!) This week’s episode is about something personal, political, and, up until recently, way too overlooked: food. We spend a lot of time talking about food, but not nearly enough time talking about how it shows up in our kitchens, grocery carts, or dinner tables. So t...
Mar 24, 2025•38 min•Ep. 206
This week, we dive headfirst into the very timely topic of expating. Is it just a fantasy fueled by tough times or is there something deeper driving this urge to GTFO? In this episode, we're exploring the layers of this question. We break down the different flavors of expating, from slow travel hacks that let you vibe abroad for a few months with zero paperwork (hello, Schengen Zone!) to the allure of Digital Nomad Visas for those of us who can work from anywhere with Wi-Fi and a decent latte. W...
Mar 17, 2025•48 min•Ep. 205
Join a Shifting Wealth, Shaping Futures Circle today: https://investforbetter.org/swsf/ Not quite ready for a circle? Sign up for a free membership with Invest for Better: https://investforbetter.org/membership/ Get your ticket to the Northeast FI Camp Women's Weekend: https://khbfinancial.com/northeastficamps/ For information about future, co-ed events, sign up for their email list: https://eastcoastfi.kit.com/adab4cc93c For most of history, women weren’t just left out of wealth-building, we we...
Mar 10, 2025•41 min•Ep. 204
Are you scratching your head trying to understand Gen Z's approach to…life? You're not alone! This week, we’re exploring the fascinating and sometimes frustrating world of Gen Z finances, why traditional financial advice often misses the mark with this generation, and what actually resonates with them. Every generation thinks they had it hard. And to be fair, most of them did. But Gen Z? They’re becoming adults in a world that looks nothing like the one we grew up in. Between AI disrupting entir...
Mar 03, 2025•46 min•Ep. 203
This week, we’re talking about impact investing, which if we’re being honest, is a phrase we used to think was reserved for people who call their parents by their first names. Turns out, it’s one of the closest things we have to financial resistance (with receipts!). This episode drops on the last Monday of Black History Month 2025, a month that, for once, felt less performative. Not because there wasn’t Black history being made, there was, just like there is every day of the year…but because th...
Feb 24, 2025•43 min•Ep. 202
Is the magic really gone, or are we just over it? This week's episode is a Quick Dip, where we're side-eyeing some old-school markers of success. We thought about calling this the "end of an era" edition but it might be too soon...you tell us! Think childhood trips to Disney, that diamond ring you're 'supposed' to want, and even that climb up the corporate ladder. We're wondering if these traditions still mean what they used to in a world that's changing so fast. The data suggests something is c...
Feb 17, 2025•45 min•Ep. 201
This week marks a significant milestone: our 200th episode of the rich & REGULAR podcast! In this episode, we’re taking a moment to reflect, not just on what we've built, but on the path we took to get here. Here’s what we cover as we peel back the curtain on the podcasting process: Our most memorable/favorite episodes It's more than just talking; it's an investment. From the upfront costs of good equipment like decent mics and mixers to the ongoing financial decisions involved with hosting ...
Feb 10, 2025•42 min•Ep. 200
This week we’re talking about "late bloomers" — the "over 40, mid-life-ish, but don't-say-that-to-us" gang who are just now getting their financial life together. This was a requested episode so we're skipping the generic "just do it" advice and getting into the nitty-gritty of what it actually takes to build wealth when you're not starting in your 20s. We're discussing the psychological hurdles, the structural roadblocks, and how to create a financial plan that works for you , no matter what ag...
Feb 03, 2025•50 min
This week’s episode is all about shopping bans and the no-spend trend. This month our social media feeds have been flooded with one thing: people swearing off shopping. Like, really swearing it off. We see everything from no-spend months, to shopping bans, and even boycotts. And we get it. After the consumerist frenzy of the holidays, that pull towards simplicity or a “less is more” approach almost feels…. revolutionary. We've been covering this topic for years, and this "new" trend is like seei...
Jan 27, 2025•41 min
This week, we’re dissecting the art of the modern scam. We've all experienced the subtle unease of a pitch that just doesn’t feel right, but in an era where the line between marketing and deceit is dangerously thin, it’s important to stay aware so you don’t get hoodwinked and bamboozled. We Discuss: Why we need to stop confusing charm with legitimacy How corporations are now using MLM tactics Why companies who use hard-sells aren’t actually interested in your problems. Why financial fraud is abo...
Jan 20, 2025•55 min•Ep. 197
This week, we're joined by entrepreneur, speaker, and author, Anthony O'Neal. You may know him from his incredibly popular YouTube channel or, maybe, from his previous book, "Debt-Free Degree." But Anthony's back with a new book called "Take Your Seat at the Table," which is all about taking control of your life, money, and future. If you’re unfamiliar with his work, he’s not your typical financial guru. He’s a self-made entrepreneur who went from being homeless to building a 7-figure business, ...
Jan 13, 2025•58 min
This week, we’re breaking down the top stories and trends that will shape how we all earn, spend, and invest our money in 2025. And we’re not just looking at the year ahead, we're confronting the messy reality of now. If you're feeling like the financial ground is shifting beneath your feet and like the old rules don't apply anymore, then this episode is for you. If you're tired of feeling like you're chasing trends instead of building a future, or if you're ready to take control of how you earn...
Jan 06, 2025•51 min
Is your "purpose" making you anxious? Do you feel like everyone online is "living their best life" except for you? Then you've come to the right place. It's January and you're probably knee-deep in resolutions that may or may not last past the first week. But forget the trendy diets and the overly ambitious gym routines. This year, we're going deeper and talking about a purpose reboot - not the "new you" version fueled by fleeting motivation, but the kind built on self-awareness, intentional cho...
Dec 30, 2024•48 min•Ep. 194
This week we’re diving headfirst into the one word that can save your budget and your sanity: No Julien kicks things off with some personal stories about recent awkward moments when "friends" ask for money, which sets the stage for a much-needed conversation. For some of us, saying "no" can feel just plain wrong, especially during the season of giving. This isn't your typical "budget better" advice, we're going deep into why saying "no" is so dang hard. But we don’t stop there. We also discuss: ...
Dec 23, 2024•49 min•Ep. 193
The latest inflation report shows that grocery prices are back up, making something as basic as eating feel like a financial tightrope walk. So this week, we're rethinking how we define "good" food and making a case that the best meals can be both cheap and delicious by sharing 3 of our favorite cheap meals. Hopefully you walk away from this episode feeling slightly less guilty about that impulse takeout order (as long as you learn from it), inspired to rethink what's possible with your budget a...
Dec 16, 2024•46 min•Ep. 192
We’re still revisiting fundamentals and this week we’re asking: Is your emergency fund actually an emergency fund, or just a well-intentioned savings account collecting dust (and maybe a tiny bit of interest)? In this episode, we unpack the truth about financial emergencies and reveal the flawed logic behind the old ‘3-months of expenses’ rule. Let’s be honest, climate change, unexpected job losses, and ridiculously high repair costs have made the classic “cash only” emergency fund advice obsole...
Dec 09, 2024•37 min
We took a mini-break (and you KNOW we needed it) but we're back, and today we're tackling the sacred cow of financial planning: BUY AND HOLD. Let's face it, investing isn't a spectator sport and the pandemic proved that even the most "set-it-and-forget-it" advice can get messy. Plus research shows investors are holding stocks for less time than ever before. So this week, we’re asking if the classic "buy and hold" strategy is still the cornerstone of financial wisdom, or has the rise of day tradi...
Dec 02, 2024•42 min•Ep. 190
This week, we’re unpacking the surprisingly trendy world of underconsumption. Is it a Gen Z TikTok trend? A millennial coping mechanism? A wise old soul's secret weapon? The answer is YES to all of the above. In this episode, we cover: How to avoid overspending this holiday season on food and gifts. We even share our hard-won lessons on dealing with impulsive buying, managing the expectations of our loved ones, and teaching our son to approach spending with intention (no, we didn't always get it...
Nov 18, 2024•44 min•Ep. 189
