New Year, new goals! It’s the time of year where people are buzzing with optimism and anticipating the fresh start of a new year. In this episode, Julien and Kiersten Saunders talk about why setting purely financial goals may not be the most useful exercise and offer their best tips and lessons about how to still achieve your money aspirations without losing yourself along the way. Connect with Julien and Kiersten on our website , Instagram , Twitter , and YouTube . Join our email list to get up...
Dec 27, 2021•41 min•Ep. 38
As the world continues to change at a rapid pace, we’re starting to transition away from money being a taboo subject and more and more people are being encouraged to talk about money. In this episode, Julien and Kiersten Saunders ( @richandregular ) talk about the thin line between being transparent and being tacky and how to navigate this new normal of openness. Full show notes and resources can be found here: www.richandregular.com/e37shownotes Connect with us in the Success Achievers Communit...
Dec 13, 2021•34 min•Ep. 37
Roboadvisors were one of the reasons we fundamentally knew money and investing was changing forever and the pace of change would be faster than anyone could imagine. In this episode, Julien and Kiersten Saunders ( @richandregular ) talk about what they are, how they work, how they differ from traditional advisors and a few recommendations on getting started. Full show notes and resources can be found here: www.richandregular.com/e36shownotes Connect with us in the Success Achievers Community whe...
Dec 06, 2021•30 min•Ep. 36
People always talk about buyers remorse, but what about the other side of that coin? In this episode, Julien and Kiersten Saunders ( @richandregular ) run down the list of things they regret NOT buying and if there’s a way to recognize when you’re being CHEAP (vs. frugal) in the moment or if hindsight is truly 20/20 when it comes to financial regrets. Full show notes and resources can be found here: www.richandregular.com/e35shownotes Connect with us in the Success Achievers Community where we h...
Nov 29, 2021•31 min•Ep. 35
In the spirit of awkward Thanksgiving conversations, this week’s episode is all about Success Guilt. In this episode, Julien and Kiersten Saunders ( @richandregular ) break down why some people feel less inclined to share when things are going well, and what impact that has on others. If you’ve ever felt that ping of regret immediately after sharing a financial win, this episode is for you. Full show notes and resources can be found here: www.richandregular.com/e34shownotes Connect with us in th...
Nov 22, 2021•30 min•Ep. 34
If you were to survey 1000 people to identify a feeling they associate with their debt, most of them would say “shame”. While shame can be a productive tool for some, it doesn’t work for everyone. In this episode, Julien and Kiersten Saunders ( @richandregular ) are talking about the relationship between shame and debt and how using shame as a motivator can actually work against you. Full show notes and resources can be found here: www.richandregular.com/e33shownotes Connect with us in the Succe...
Nov 15, 2021•39 min•Ep. 33
Recent enhancements to technology have changed every aspect of how we manage our financial lives; particularly in managing credit. Most people are familiar with lucrative credit card offers and loyalty programs. But today, there are even more exciting features and benefits to lure in more customers. In this episode, Julien and Kiersten Saunders ( @richandregular ) talk about how credit has changed over the years, what's changed in credit scoring, some emerging trends and how it all can impact yo...
Nov 08, 2021•36 min•Ep. 32
They say you can tell what kind of ideals a person has based on who their heroes are, but what happens when you start to disagree with the people you admire most? At first you might be compelled to try to convince them to see your side, but if they can’t be swayed...then what? In this episode, Julien and Kiersten Saunders ( @richandregular ) discuss what it means to outgrow a financial hero and how you can recognize when it’s happening. Full show notes and resources can be found here: www.richan...
Nov 01, 2021•41 min•Ep. 31
It’s natural to identify with the places in your life where you spend the most time and receive the most feedback, but failing to realize that who you are is not the same as what you do can be an expensive endeavor. In this episode, Julien and Kiersten Saunders ( @richandregular ) unpack identity and how it can be a powerful filter in the world that either increases your earning potential or decreases it. Full show notes and resources can be found here: www.richandregular.com/e30shownotes Connec...
Oct 25, 2021•38 min•Ep. 30
In this episode, Julien and Kiersten Saunders ( @richandregular ) discuss a recent article from the Nov/Dec issue of Success Magazine. The article features an interview with HGTV star Tarek El-Moussa where he shares his advice for new flippers, as well as where to focus your efforts if you want to protect the profit margin on your flips. Full show notes and resources can be found here: www.richandregular.com/e29shownotes Connect with us in the Success Achievers Community where we host monthly tr...
Oct 18, 2021•29 min•Ep. 29
“Buy low, sell high” is one of those money phrases that gets tossed around often...but how do you know if a low point is the lowest point? Or conversely, how do you know when a high point is at its highest and therefore know when to invest or when to sell? In this episode, Julien and Kiersten Saunders ( @richandregular ) explore what it means to be in a bull market and what you can do to ensure you’re not too late to the party. Full show notes and resources can be found here: www.richandregular....
Oct 11, 2021•34 min•Ep. 28
The amount of fraud continues to rise among market and economic uncertainty. And after recently watching the Amazon Prime docuseries LulaRich, Julien and Kiersten Saunders ( @richandregular ) decided to tackle coping with financial fraud. In this episode, they discuss some common grifts as well as red flags and what to do to protect yourself if you’ve been defrauded. Full show notes and resources can be found here: www.richandregular.com/e27shownotes Connect with us in the Success Achievers Comm...
Oct 04, 2021•43 min•Ep. 27
We’re in the middle of the Great Resignation, and more employees are citing burnout as the reason for leaving. In this episode, Julien and Kiersten Saunders ( @richandregular ) discuss the latest trends and reports related to burnout, and the financial implications of “rage-quitting” or leaving a job abruptly before you have another plan. From healthcare to tax and credit implications, there are few things you should be thinking about before you make a short-term decision that has longer-term fi...
Sep 27, 2021•31 min•Ep. 26
“Competitive” is one of those charged words that people either identify with or they don’t. It’s a word that is used to positively describe winners and negatively describe people who aren’t good team players, all at once. On this week’s episode, Julien and Kiersten Saunders ( @richandregular ) tackle the question: do competitive people make more money? Listen in for a nuanced discussion of how your competitiveness can either benefit or harm your financial journey. Full show notes and resources c...
Sep 20, 2021•36 min•Ep. 25
Goal setting is the cornerstone of wealth building, but what should you expect when you’re in between goals? What should you be planning for? In this episode Julien and Kiersten Saunders ( @richandregular ) discuss the financial, emotional and psychological effects of achieving financial milestones. Full show notes and resources can be found here: www.richandregular.com/listen Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely ...
Sep 13, 2021•39 min•Ep. 24
They said when the student is ready, the teacher will appear! In this episode, Julien and Kiersten Saunders ( @richandregular ) talk about their favorite ways to learn about money. From books, to podcasts and even movies, there’s no shortage of modern day “teachers”. Pick one and then get your hands dirty and put all that knowledge into practice. Full show notes and resources can be found here: www.richandregular.com/listen Connect with us in the Success Achievers Community where we host monthly...
Sep 06, 2021•36 min•Ep. 23
If your fear of losing money is the thing that’s keeping you stuck, this episode is for you. Julien and Kiersten Saunders ( @richandregular ) discuss loss aversion and offer tips on how you can start to teach your brain to react differently to losses and more strongly to gains. Full show notes and resources can be found here: www.richandregular.com/listen Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there...
Aug 30, 2021•33 min•Ep. 22
Research suggests that the average millionaire has seven streams of income, and in this episode Julien and Kiersten Saunders ( @richandregular ) discuss some of the overlooked benefits of having multiple sources of income. Full show notes and resources can be found here: www.richandregular.com/listen Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special e...
Aug 23, 2021•32 min•Ep. 21
There is a natural conflict between wanting to be better at something and trying to minimize expenses - how do you know when it’s time to level-up and pay to play? We all love free stuff, but in this episode Julien and Kiersten Saunders ( @richandregular ) discuss how they decide when to spend money on a community, course or program. Full show notes and resources can be found here: www.richandregular.com/listen Connect with us in the Success Achievers Community where we host monthly training on ...
Aug 16, 2021•41 min•Ep. 20
Money is the leading cause of arguments in relationships and a primary factor of why half of marriages end up in divorce. In this episode, Julien and Kiersten Saunders ( @richandregular ) discuss an article by Emma Johnson in the September/October issue of Success Magazine about the most common financial disagreements that drive couples apart and offer some practical tips to resolve them. Full show notes and resources can be found here: www.richandregular.com/listen Connect with us in the Succes...
Aug 09, 2021•31 min•Ep. 19
Julien and Kiersten welcome a guest for his episode, speaking to SUCCESS CEO Glenn Sanford. They discuss Glenn's investing strategy, the mechanics of his purchase of SUCCESS and his crypto history. This episode is sponsored by BELAY. Text the word SUCCESS to 55123 for your free download from BELAY or visit belaysolutions.com/success See omnystudio.com/listener for privacy information. Connect with Julien and Kiersten on our website , Instagram , Twitter , and YouTube . Join our email list to get...
Aug 02, 2021•47 min
The first time Julien and Kiersten Saunders ( @richandregular ) explained the Purpose of Income, they were on a campus speaking to a group of students, faculty and staff talking about what it takes to build a “Modern Money Mindset”. One of the steps was to give your income a purpose and the audience was baffled about what that meant. In this week’s episode, they walk you through the same framework they taught that group and challenge you to think about your income differently. Budgets are import...
Jul 26, 2021•36 min•Ep. 17
When people think about investing, they tend to default to retirement accounts. And those are great, but did you know there were accounts that didn’t penalize you for withdrawing before retirement age? In this episode, Julien and Kiersten Saunders ( @richandregular ) go over the features and benefits of brokerage accounts and why you should consider opening one. Full show notes and resources can be found here: www.richandregular.com/listen Connect with us in the Success Achievers Community where...
Jul 19, 2021•37 min•Ep. 16
According to the 2018 Education at a Glance report, the U.S. spends more on college than almost any other country. In fact, the average college tuition in 2018 is nineteen times bigger than it was in 1971. In this episode, Julien and Kiersten Saunders ( @richandregular ) explain how to offset the cost of education with a 529 plan. Even if a student in your life is not college-bound, 529s are an underrated tool that can be used for K-12 education costs and other qualified education expenses like ...
Jul 12, 2021•41 min•Ep. 15
If you’ve ever used the phrase “fake it till you make it” or “treat yo’self!”, then this episode is for you. Julien and Kiersten Saunders ( @richandregular ) talk about new ways to experience luxury without ownership. While we love our low-key and frugal life, occasionally we like to splurge and be pampered. In this episode, we share our thoughts on the emerging “accessible luxury” economy (sometimes also referred to as the “Flex economy”. From designer clothes to private jets, we talk about way...
Jul 05, 2021•38 min•Ep. 14
We all get by with a little help from our friends...or these days, strangers on the internet. In this episode, Julien and Kiersten Saunders ( @richandregular ) talk about asking for financial help. Whether you’re the person who needs money or you’re the person being asked for money, this episode is for you. We’re talking about: What to keep in mind if you’re being asked for financially assistance and need to say no How cash-sharing and peer-to-peer giving apps changed the charity model Tips for ...
Jun 28, 2021•34 min•Ep. 13
We’re all told to seek out promotions, but when was the last time you calculated the costs of doing business at a higher level? In this episode, Julien and Kiersten Saunders ( @richandregular ) dive into what comes with a big promotion and how to pursue one, while also preparing for it. We cover: The difference between promotions and standard cost of living increases Practical tips for negotiating and realizing your total compensation What an adjacent skill is and why they’re important How promo...
Jun 21, 2021•43 min•Ep. 12
How much wisdom is in the old saying, “plan for the worst, but hope for best”? In this episode, Julien and Kiersten Saunders ( @richandregular ) argue against our cultural staple of indefinite optimism. There is now enough data to suggest that most working-age American’s financial forecast should include plans for a sudden job loss or significant disruption income. Nobody likes to imagine the worst case scenario, but it may be the key to building financial resilience. We cover: Income volatility...
Jun 14, 2021•36 min•Ep. 11
Julien and Kiersten Saunders ( @richandregular ) discuss the costs of being a hobbyist. “Expensive” is a relative term, but some hobbies are more costly than others. What impact do your hobbies have on your financial plan? In this episode, we talk about: The connection between hobbies and identity How to squeeze some cash flow out of a depreciating asset How to handle “sneaky” hobbies that impact multiple budget categories Ways to bring down the cost of being a foodie Full show notes and resourc...
Jun 07, 2021•44 min•Ep. 10
Julien and Kiersten Saunders ( @richandregular ) discuss the interpersonal conflict that comes with tackling a meaningful financial goal. In fact, conflict is usually a key theme in most financial advice. The harsh truth is while your self-esteem can take a hit when the people closest to you don’t support your financial decisions, it’s not a reason to stop. In this episode, we discuss: Conflict with others being the hardest part of wealth-building What can happen when your financial plan is at o...
May 31, 2021•41 min•Ep. 9
