If you want to know the secret to stress-free cooking at home this episode is for you! This week, we're exploring the world of kitchen technology that can help you save money, eat healthier, and make cooking at home easier and more enjoyable. We'll discuss our personal experiences with various gadgets, highlighting the benefits for both novice and experienced cooks. Key Takeaways: Cooking at home is a major opportunity for savings, but it's important to remove pain points and inefficiencies. Tec...
Apr 15, 2024•56 min
Ken and Mary Okoroafor based out of the UK and founders of The HumblePenny.com discuss their life and new book Financial Joy. In this conversation, they share their journey of starting their blog and the importance of representation in the personal finance space. They discuss the advantages of raising their children to be investors and the importance of being aligned as a couple. They also emphasize the value of using everyday situations as teachable moments for their children. Ken shares his pe...
Apr 08, 2024•1 hr 12 min•Ep. 157
This week we’re joined by author and personal finance expert Lynnette Khalfani-Cox to discuss the importance of financial resilience and the strategies for bouncing back from setbacks. Lynnette dives into the core concepts from her book "Bounce Back: “The Ultimate Guide to Financial Resilience and explores the emotional side of financial challenges. In this refreshingly candid interview, Khalfani-Cox gets real about the psychological toll of money woes and those dreaded "Ds" that can decimate yo...
Apr 01, 2024•1 hr 3 min
To get your copy of the FREE Financial Technology Toolkit, click here and we'll send your guide directly to your email address. To learn more, visit the rich & REGULAR blog here Tech literacy isn't a one-and-done skill. It requires continuous learning and adaptation as innovation marches on. And there are very few areas that are being transformed by technology as rapidly as personal finance and fintech. To help bridge this literacy gap, we're introducing a free Fintech Toolkit aimed at empow...
Mar 25, 2024•44 min
In this episode, we’re discussing how to manage a windfall, whether it's a sudden influx of money from investments, bonuses, or unexpected events. We share our personal experiences with windfalls and the importance of splurging and treating yourself to experiences. We emphasize the need to resist the urge to act quickly and instead create a wish list and categorize priorities. We also discuss the importance of waiting and considering tax implications, as well as managing expectations and right-s...
Mar 18, 2024•41 min•Ep. 154
In this episode, we respond to an email from a woman who wanted to know when to give up on a trucking business she started with her husband. The conversation covers topics such as faith, confidence, financial planning and finding the right partners, and we provide advice on calculating the cushion needed to support the business, as well as the importance of psychological resilience in entrepreneurship. This episode explores the differences in the role credit cards play in personal and business f...
Mar 11, 2024•46 min•Ep. 153
Happy Women's History Month 2024! What does it mean to be a perfectionist? Is it a blessing or a curse? How does it affect your relationship with money, yourself, and others? In this special solo episode, Kiersten chats with Katherine Morgan Schafler, a psychotherapist and coach who helps people overcome perfectionism and live authentically. They talk about the different kinds of perfectionism, how social and historical forces shape them, and how they can be harnessed for good or bad. They also ...
Mar 04, 2024•54 min
In this episode, we’re talking about how we parent our son Beau and teach him about money. We share our philosophy of raising a rich kid, not by giving him everything he wants, but by teaching him the value of saving and investing from a young age. We also talk about the pressure we feel as parents to provide more for our child, and how we use self-imposed constraints to teach him responsibility. We explain how we use video games and sports as metaphors to help Beau understand the concepts of ea...
Feb 26, 2024•47 min•Ep. 151
In this episode, we talk about the concept of overconfidence in investing, also known as the confidence trap. We explain why confidence is important and how it can either help or hinder us in achieving our goals. We also examine the role of ego in investing and how it affects our self-image as investors and use culinary references and personal stories to make our points. We stress the difference between investing and gambling, and the need to understand and manage risk. The episode ends with som...
Feb 19, 2024•42 min•Ep. 150
In this episode, we discuss capsule wardrobes and how this approach can help people save time and money. In it, they explore how men and women differ in their adoption of the tactic. Specifically, men are more likely to call a capsule wardrobe a uniform. They also discuss the high costs associated with maintaining a professional wardrobe and what they did during their corporate careers to manage it. During the conversation, Julien and Kiersten are joined by a special guest, Winston Peters. Winst...
Feb 12, 2024•39 min•Ep. 149
This week we're diving deep into the heart of the FIRE (Financial Independence, Retire Early) movement and asking whether it's really a movement...or just a quirky personal finance trend. We explore the intersections of history, finance, work culture, technology, and societal change and discuss what defines a movement, how FIRE has benefited from several larger societal shifts, and how even the tiniest seeds of change, like feelings of embarrassment, fatigue, or frustration, can spark lasting ch...
Feb 05, 2024•55 min
What does it mean to be a Costco member in 2024? This week we’re loud budgeting our grocery bill and discussing our recent decision to get a Costco membership. We share our initial impressions of the store, the perks we have enjoyed so far, and a few factors to consider when deciding whether a Costco membership is right for you. Food is a Big 3 expense for most households and with recent price surges, many people are feeling the squeeze on their budgets. Throughout the episode, we encourage you ...
Jan 29, 2024•38 min•Ep. 147
This week our guest is Jamila Souffrant, host of the Journey to Launch podcast and author of the new book, Your Journey to Financial Freedom . In this conversation, we discuss her journey to financial independence and the lessons she has learned along the way. We talked about how she reached her breaking point and decided to pursue financial independence, how the FIRE movement inspired and challenged her, the importance of including various options in personal finance education, and the impact o...
Jan 22, 2024•44 min•Ep. 146
In this episode, we’re peeling back the layers of the recent layoff phenomenon, a storm that’s been brewing and hit hardest in 2023. Our take is that it’s not just about job loss; it’s a cultural shift within organizations that leaves a lasting imprint. This episode is here to help you navigate this storm, armed with insights and strategies that improve your chances of success. We’ve identified four common mistakes that people often stumble into post-layoff: assuming it won’t happen again, the t...
Jan 15, 2024•53 min•Ep. 145
This week, we have a special guest: JL Collins, the Godfather of the Financial Independence movement. He’s here to talk about his new book, ‘Pathfinders’, where he shares the stories of people who have achieved financial freedom in different ways. He shows us that there is no one-size-fits-all formula for success, and that we have to find our own path based on our values, goals and circumstances. He also tells us why we should embrace failure as a learning opportunity, how he measures quality of...
Jan 08, 2024•55 min
This episode is about three stories that will change the way you invest, spend, and earn your money in 2024. They aren't predictions, but trends that are already happening and will likely continue. We start by reviewing what happened in 2023 and how it changed our perspective on money. Then we go into the first story, which is how the stock market was dominated by the Magnificent Seven tech stocks, thanks to their innovation and scale. The second story is about how fintech and buy now, pay later...
Jan 01, 2024•46 min•Ep. 143
If paying down debt is one of your 2024 goals, this episode is for you. This week we're telling the story of the greatest gift we've ever given ourselves - debt freedom. We paid off $200,000 in five years, but that's not the whole story or the most interesting part. In this episode, we explore the emotional impact of debt, the different approaches to debt payoff, and the role of shame and regret in debt payoff. We also discuss the need to anticipate setbacks in the debt payoff journey, and how b...
Dec 25, 2023•48 min
If you want help cutting back on drinking using neuroscience, try the Reframe App for free with a 1-month trial using Julien's referral link . A few years ago, we decided to experiment with drinking less alcohol and participated in Dry January. It was supposed to be a one-time thing but it changed how we think about alcohol. We were surprised by how much money we saved and how much better we felt and realized we were part of a larger movement of people who were questioning their relationship wit...
Dec 18, 2023•41 min•Ep. 141
This week, we're talking about pay transparency, its importance, generational differences, cultural shifts, and the impact on the workforce. The conversation delves into the top-down and bottom-up approaches to pay transparency, the role of social media, and the power struggle surrounding this controversial issue. Takeaways Pay transparency is an important issue that is evolving and impacting the workforce. Generational differences exist in attitudes towards pay transparency, with younger genera...
Dec 11, 2023•41 min•Ep. 140
Things are changing! In this episode, we're announcing some news and turning the page on a new chapter of the rich & REGULAR podcast. We love you and hope you'll continue to support us through this transition to this exciting next phase. Onward! Connect with us: Connect with Julien and Kiersten on our website , Instagram , Twitter , and YouTube . Get our book Cashing Out: Win the Wealth Game by Walking Away If you would like to more about investing, check out our newest class, Making Money G...
Dec 04, 2023•18 min
Every holiday season, Americans seem to break a new record for spending - but this year it's different. Whether you're Grinch-adjacent like Julien or grew up more like Kiersten whose Super Bowl was Black Friday, they've got tips to stop holiday overspending for all levels. It's all about shifting where you spend -- making sure each gift packs a punch, and making more memorable moments rather than making the focus be the gift itself. Changing your mindset of gift-giving and receiving could be the...
Nov 27, 2023•36 min
Don’t miss this week’s episode of Rich & REGULAR as Julien and Kiersten share insights on taking control of your financial story. They stress that you're the ultimate authority in your financial journey, and a money story goes beyond mere numbers—it's about the beliefs shaping your decisions. From investments to spending habits, this narrative influences everything. The goal is to cultivate a money story rooted in a healthy relationship with finances, empowering you to reach your financial g...
Nov 20, 2023•46 min
In this week’s episode of Rich & REGULAR, Julien and Kiersten are tackling the pricey consequences of financial neglect. No sugarcoating here— it can cost you big time. But fear not, they’ve got the playbook to turn things around. The Saunders are dishing out ways to dig yourself out of debt and find solutions. Breaking those bad financial habits? Yeah, it's gonna take some effort, but they’ve got your back. Tune in and dive into the nitty-gritty, stressing the need to get to the root cause....
Nov 13, 2023•42 min
Don’t miss this week’s episode of Rich & REGULAR as Julien and Kiersten delve into essential advice on midlife investing strategies. They offer valuable insights on securing financial stability, emphasizing the significance of safeguarding assets and making strategic decisions. The Saunders discuss the critical aspect of risk tolerance and underscore the importance of mastering financial fundamentals. They share ways to diversify retirement options in order to alleviate future financial stre...
Nov 06, 2023•42 min
Are women afraid of financial risk? Tune in this week to Rich & REGULAR as Kiersten and Julien debunk 5 common myths surrounding women and investing. The historical narrative between women and investing is undergoing a transformative and exciting shift, proving that now more than ever, women are engaging in investment ventures, dismantling misconceptions about their abilities and inclinations in financial markets. With an increasing array of educational resources, women are learning to navig...
Oct 30, 2023•43 min
This week on, Rich & REGULAR, Kiersten and Julien are taking a deep dive into the world of alternative investments. What are alternative investments? Should you even consider them for your investment portfolio? The Saunders break down the pros and cons of these intriguing investment options, giving you a well-rounded perspective on the subject. If you're curious about whether alternative investments could be a good fit for you and your unique investment goals, this is one episode you won't w...
Oct 23, 2023•42 min
With so many grocery store options, how do you navigate this world and still save money? It's no secret that grocery stores are the most frequently visited retailers in America. This week on Rich & REGULAR, Kiersten and Julien take a closer look at how our choices as grocery consumers shape what we buy. They discuss the rise of grocery delivery services, the competition in the market, and how the stores use their own brands. How will artificial intelligence (AI) impact this domain? The Saund...
Oct 16, 2023•43 min
This week on Rich & REGULAR, Julien and Kiersten tackle the intriguing question: Are gift cards a scam? Listeners might be surprised to learn that a whopping 47% of US adults are sitting on at least one unused gift card or store credit, collectively totaling an astonishing $23 billion nationwide! The Saunders also weigh in: Is cash a tacky gift? Tune in as they explore the intricacies of gift-giving, the value of flexibility, and what to do with those seemingly forgotten, yet potentially val...
Oct 09, 2023•32 min
What in the world is recommerce and how could it benefit you? Get ready to explore the world of eCommerce on this week’s episode of Rich & REGULAR. From the booming secondhand market, aka recommerce, and its easy-money potential with minimal effort, to the nitty-gritty of doing your very first product listing, Julien and Kiersten have tips, strategies, and insights to supercharge your online selling game. With a plethora of eCommerce platforms out there, Julien and Kiersten will help you dec...
Oct 02, 2023•43 min
This week on Rich & REGULAR, Julien and Kiersten take listeners into the exciting world of Amazon One ID, one of the newest developments in fintech. Tune in as they break down what exactly it is, how this game-changing technology operates, and whether or not you should be feeling just a tad uneasy about it. The Saunders don’t shy away from discussing the apprehensions associated with this groundbreaking tech. From privacy concerns to potential misuse, they tackle the fears head-on. They also...
Sep 25, 2023•41 min
