Has tipping culture gotten out of control? The typical American spends about $700 a year tipping in restaurants. And that’s just at restaurants. Tipping is often expected in hair salons and spas and for hotel housekeeping and valet service. But the rise of mobile payment technology and fast-casual restaurants have changed who we tip and how much. And there has been a push to move away from tipping altogether. This week, Kiersten and Julien dive into the messy conversation of tip culture. They ou...
Feb 20, 2023•35 min
Coupons no longer just come as junk in the mail, but have taken new forms online with promo codes, cashback offers, and more. Credit cards can be used to find discounts, especially with apps, like the AMEX app which provides savings at local restaurants, hotels, and more. Loyalty programs and email lists are also good sources of coupon offers. Today, Kiersten and Julien discuss tips and hacks for taking advantage of these modern coupons. They talk about what to watch out for with offers, tactics...
Feb 13, 2023•34 min
As inflation continues to rise, cell phone bills remain a top concern for many people trying to keep their finances in check. But with the constantly changing world of mobile devices, there are now more opportunities than ever to reduce this monthly expense. Join rich & Regular hosts Kiersten and Julien Saunders, in this must-listen episode as they explore the world of cell phone bills and offer expert tips and tricks for saving money. From negotiating with providers to finding the best plan...
Feb 06, 2023•31 min
Have you ever tried to do a no spend challenge? It may seem intimidating but can be done in a way that’s tailored to your spending habits. Today, Kiersten and Julien provide all the options available for your challenge. You can focus on just one weekend a month if your spending gets out of control on weekends. Or go for a whole month of financial detox. Create a motivational goal by deciding where the unspent money from your challenge will go, such as towards a travel fund or paying off credit c...
Jan 30, 2023•29 min
We’re in a repossession frenzy; they’re on the rise while many people are hurting financially. This week, Kiersten and Julien Saunders explain how repossessions work and how the industry is currently operating, with fewer repo companies in business and higher demand. Kiersten and Julien discuss how to know when your car is stolen, towed, or has been repossessed. They talk about solutions if you find yourself on the bad side of a deal and unable to make payments, including what to be aware of, de...
Jan 23, 2023•28 min
Are credit card balance transfers a good thing? While many are struggling with consumer debt at the moment and interest rates are rising, balance transfers can be a good financial choice for some. Today, Kiersten and Julien talk about what credit balance transfers are, who they’re good for, and what you should be aware of. They discuss fees associated and partial transfers, as well as how promotional periods work and the importance of scheduling payments. Resources: All the Hacks podcast Financi...
Jan 16, 2023•24 min
Medical tourism continues to grow and is here to stay. Americans are now going to many other countries for treatments, surgeries, prescriptions and more. Kiersten and Julien first heard about medical tourism from a friend who had four prescriptions filled for around $2.50 in Mexico. Other friends traveled to Mexico to have dental work done. A knee replacement in the USA can cost around $40,000, while the price in India is $6,000 - 9,000 and in Singapore around $12,000. The CDC has an entire webp...
Jan 09, 2023•31 min
Most Americans make New Year’s resolutions and 40% are financial goals. Today, Kiersten and Julien discuss three categories of financial activities to meet your goals: organization, protection, and conversations. They share tips for creating a system to get organized, including: automating savings, updating budgeting apps, and evaluating debt payment. In the new year, look at ensuring your data and accounts are secure and protect yourself against income volatility. And aim to stop avoiding awkwa...
Jan 02, 2023•33 min
Happy holidays! Julien is riding a wave from a recent visit to Aldi grocery store and he and Kiersten are here to share their thoughts on low-cost shopping options. They’ve noticed massive food and grocery inflation over the last couple of months. There’s also a heightened focus on food waste and food insecurity. Today, they compare the prices between Whole Foods and Aldi, finding many prices to be 40 to 50% off. A downside is that food is often prepackaged there. But buying in larger portions a...
Dec 26, 2022•33 min
Healthcare is a big, complicated subject when it comes to finances. It’s especially nonsensical in the USA, where it’s designed to be intentionally confusing and expensive. But healthcare is a fundamental part of life. Even if you maintain a healthy lifestyle, we're facing a trifecta of new covid variants, the flu, and RSV this winter. Kiersten and Julien Saunders (@richandregular) don’t want you to be hit with surprise medical costs.This week, they share how they plan for their healthcare expen...
Dec 19, 2022•32 min
“Although the number of people quitting their jobs is down from the peak in 2021, it still remains at the highest levels since the 1970s,” says Kiersten Saunders. “The collective American psychology towards work has changed. It's like we collectively experienced this psychological shock.” Julien and Kiersten dissect the Great Resignation one year later – who quit, why they decided to, and what the impacts have been. Many workers are now taking career pivots and venturing into entrepreneurship, s...
Dec 12, 2022•33 min
Americans spend $219 per month on subscription services on average. What’s worse – people guess that number is closer to $86 when asked. We used to only have subs for things like newspapers, magazines, gyms, and cable. Now we have streaming services, software, online courses, sports tv, vitamins, razors and more, all of which can erode your budget! Today, Kiersten and Julien Saunders (@richandregular) are providing tips for auditing and managing subscriptions, lowering and negotiating costs, and...
Dec 05, 2022•30 min
Talk about paying off debt may not be romantic. Money is the leading cause of divorce and separation in the USA. But money and marriage are one of Kiersten and Julien’s favorite topics, it’s woven into their everyday dialogue. Today they’re leading you through their core financial values to guide your thinking, as well as the three obstacles that get in the way of couples achieving their goals. Review and give rich & REGULAR five stars on Apple Podcasts. See omnystudio.com/listener for priva...
Nov 28, 2022•39 min
More than 50 million people across the world consider themselves content creators. Kiersten and Julien (@richandregular) left the real estate industry to invest more in being creators through podcasting, blogging, making videos, and more. This week they share what the creator economy is and how people are monetizing their online content off platforms like YouTube, Instagram, TikTok, and Patreon. They discuss establishing yourself as an expert online, making relevant content, the earning potentia...
Nov 21, 2022•42 min
It’s not uncommon for money or economy talk to come up at the Thanksgiving dinner table, which can result in heated disagreements with loved ones. Money is complicated and people can be irrational about it. Family can become defensive when talking about financial plans or make you second guess your own understanding and decision making. Meeting like-minded people is one of the best investments you can make in your financial future. Community has been a secret weapon for Kiersten and Julien (@ric...
Nov 14, 2022•36 min
Scammers love to target the vulnerable, especially in times of crisis. Do you know how to protect yourself? Julien and Kiersten (@richandregular) have fallen for scams, just like everyone else. Today, they talk about staying vigilant to prevent yourself and loved ones from getting scammed, what to say to a potential fraudster, and what to do if your personal information has been compromised. Order our book Cashing Out here: richandregular.com/cashingout See omnystudio.com/listener for privacy in...
Nov 07, 2022•34 min
LinkedIn Premium gives you superpowers, putting you in the HoV lane to better jobs and more money. Julien and Kiersten (@richandregular) feel LinkedIn is one of the most overlooked social media platforms, with only 20% of users 35 and older. They talk about how to use it to connect, get exposure, find out what skills are in demand, and learn more about other candidates, as well as the benefits and how best to use Premium to set yourself up for future success. Resources: Episode 53: Upskilling to...
Oct 31, 2022•39 min
“We, as Americans, believe that our cars are a part of our identity.” But gas and insurance prices keep skyrocketing and we continue to buy more and bigger cars, with record high loans and monthly payments. Kiersten and Julien Saunders (@richandregular) have different and complicated histories with cars. Today, they’re providing financial solutions for the car obsessed, including selling and downsizing, as well as car share and subscription options. Changing your relationship with your car may b...
Oct 24, 2022•44 min
Consumerism reaches an all-time high during the holidays. This week, Julien and Kiersten Saunders (@richandregular) highlight the cultural expectations and seasonal changes that coax us into spending more than we should, as well as their tips for when to snag the best deals. Order our book Cashing Out here: richandregular.com/cashingout See omnystudio.com/listener for privacy information. Connect with Julien and Kiersten on our website , Instagram , Twitter , and YouTube . Join our email list to...
Oct 17, 2022•35 min
Going green is more than a personal endeavor—in many ways, lowering our carbon footprint can aid in our collective contribution to solving issues like the ones we've recently seen with Hurricane Ian and the war in Ukraine. Julien and Kiersten Saunders (@richandregular) share several ways to curb our use of natural resources and save money while doing it. See omnystudio.com/listener for privacy information. Connect with Julien and Kiersten on our website , Instagram , Twitter , and YouTube . Join...
Oct 10, 2022•38 min
Some perks—like solid health insurance coverage or a corner office—make a job enticing, but don't let them determine your loyalty to a company. In the wake of the quiet quitting trend, Julien and Kiersten Saunders (@richandregular) discuss why we romanticize our jobs and, conversely, why we should be willing to view them with an honest lens. See omnystudio.com/listener for privacy information. Connect with Julien and Kiersten on our website , Instagram , Twitter , and YouTube . Join our email li...
Oct 03, 2022•48 min
It's hard enough to cope with the loss of a friend or family member, much less the sticker shock that comes with laying them to rest. This week, Julien and Kiersten Saunders (@richandregular) give a line-by-line review of commons funeral costs and several tips to help curb some of the expenses. 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 updates from us, opportunities for dis...
Sep 26, 2022•42 min
The "ramen diet" in college is often joked about, but it's an example of food insecurity. This week, Julien and Kiersten Saunders (@richandregular) define food insecurity and explain how those who are financially strapped can find meals or make smart decisions when it comes to grocery spending. 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 updates from us, opportunities for dis...
Sep 19, 2022•37 min
Newly released figures put the cost of raising a child at more than $300,000. This week, Julien and Kiersten Saunders (@richandregular) share the pre- and post-baby costs you need to factor into your family-planning budget, what products and maternity items you can skip buying, and their No. 1 tip when it comes to spending. 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 updates ...
Sep 12, 2022•39 min
This new workplace trend has been garnering attention on TikTok and LinkedIn. Julien and Kiersten Saunders (@richandregular) discuss the causes and repercussions of quiet quitting, and the types of employees who may benefit from establishing a workplace exit plan. 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 updates from us, opportunities for discounts, freebies and a quick ru...
Sep 05, 2022•36 min
Financial experts have been predicting a recession for the last several months, so what can we expect going forward? Julien and Kiersten Saunders (@richandregular) share how to prepare for a recession, how to respond once it occurs, and the real meaning of the phrase "millionaires are made in recessions." 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 updates from us, opportunit...
Aug 29, 2022•40 min
Rising costs and the recent overturn of Roe v. Wade have been the catalyst for many men considering a vasectomy to follow through with the procedure. This week, Julien and Kiersten Saunders (@richandregular) detail the financial and social considerations that played a role in Julien's recent decision to get a vasectomy, the cost of the procedure, what happened during it, and the healing process. See omnystudio.com/listener for privacy information. Connect with Julien and Kiersten on our website ...
Aug 22, 2022•40 min
One of the biggest ways to save money and accelerate debt payoff is to shop used. Julien and Kiersten Saunders (@richandregular) share the benefits of shopping resale sites and apps like eBay, Poshmark and Facebook Marketplace, what questions you should ask yourself before making a purchase, and how you can avoid getting scammed. 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 up...
Aug 15, 2022•42 min
ESG investments go beyond just financial gain. Julien and Kiersten Saunders (@richandregular) unpack the meaning and benefits behind this "value-aligned investing" method. 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 updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out...
Aug 08, 2022•39 min
When it comes to giving your kids a leg up, estate planning isn't the only option. This week, Julien and Kiersten Saunders (@richandregular) discuss the pros and cons of several types of investment accounts that will help your kids learn money management while working toward financial security. 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 updates from us, opportunities for dis...
Aug 01, 2022•37 min
