If you want to start a business what kind do you want it to be? There are two competing business philosophies: lifestyle business vs. growth-minded business. A lifestyle business isn’t intended to make the owner tons of money. The goal of a lifestyle business is to make enough money to be comfortable while having freedom and a good work-life balance while doing work that you enjoy. Many lifestyle businesses were started based on the owner’s particular hobby or passion and represent their persona...
Mar 20, 2017•1 hr 3 min•Transcript available on Metacast We’re continuing online business month with an interview with Corbett Barr from Fizzle on how to build a business. Fizzle encourages you to create something you’re proud of through hard work and persistence. The site isn’t full of “20 Amazing hacks to start a business overnight and become a billionaire” content. It offers long-term advice that will help people grow a business. Full Article Here Show Notes Fizzle.co: Use this link to get a free five-week trial period.Crabbie's Ginger Beer:A sligh...
Mar 13, 2017•1 hr 9 min•Ep 136•Transcript available on Metacast Okay, so we want you to start your own business. But why are we advocating for online businesses? Because a brick and mortar business only goes so far. You have to physically be present, and there is a logical maximum you can earn based simply on space restrictions. Restaurants can only turnover so quickly; clothing stores can only fit so many people inside at a time. The internet is infinitely scalable. It has almost limitless reach. There are people from every corner of the world who hear what...
Mar 06, 2017•58 min•Transcript available on Metacast Many people are afraid to negotiate be it for a raise or a salary offer for a new job. Josh’s approach is to follow a process that will allow him to accomplish the thing he is afraid of. If you can break something down into steps and just follow the steps, suddenly you’ve done it. When it comes to getting a raise, most of us could do better. Today we talk fearless salary negotiation tips with Josh Doody. Full Article Here Show Notes Imperial Donut Break: An Imperial Porter from Evil Twin Brewing...
Feb 27, 2017•1 hr 10 min•Transcript available on Metacast How resourceful are you? When we harness the science of resourcefulness, we can achieve great things in our personal, professional, and financial lives. How do we define success? For many people success means more; more money, more stuff, more employees. But that definition is wrong. There are two approaches to resources; chasing and stretching. When we chase, we tire ourselves out going after more, more, more. If we stretch, we use the resources we already have available. Once we stop chasing a...
Feb 20, 2017•46 min•Transcript available on Metacast On This Financial Life episode, the guys chat with Brian, a long time fan of the show. They talk about his finances, mortgage, and debt over a cold one. Here’s the scoop. He and his wife are new first-time home buyers and live in the Philly area. They didn’t have the best living situation, so it pushed them to aggressively to save for a home and drastically cut spending. They didn’t have the easiest time of finding a home. The first house they put a bid on majorly failed the inspection and they ...
Feb 13, 2017•46 min•Transcript available on Metacast Finding the perfect job is a daunting task. You send out tons of resumes, create custom cover letters, go on interviews, anxiously wait for a call and then end up not getting an offer. Rinse and repeat. It can be incredibly frustrating when you send out application after application and don’t hear back anyone. If you have been searching for a new job for some time, it might be time to step up your game. Today the guys talk to Mark Fiebert (Andrews dad) and pick his brain on how to land a job. Af...
Feb 06, 2017•57 min•Transcript available on Metacast Holiday spending hangovers make January a debt month for some of us so we are bringing you five questions on how to deal with debt. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 30, 2017•38 min•Transcript available on Metacast If you currently have debt there are ways to make it less expensive. Today we will discuss why you should refinance your debt. Learn more about your ad choices. Visit megaphone.fm/adchoices
Jan 23, 2017•53 min•Transcript available on Metacast There are a lot of things that deserve your energy but paying off debt isn’t one of them. If you have debt, it can feel hopeless. But you can get out of debt, and it’s easier than you think. We can show you how to be lazy and pay off your debt. An All-Time Record If you have debt, you’re not alone. Total household debt—a category that includes mortgages, student loans, and car loans along with credit card and other debt—dipped in the wake of the Great Recession, but it has since steadily rebound...
Jan 16, 2017•52 min•Transcript available on Metacast We use credit cards to buy everything these days- groceries, drinks with co-workers, cat beds, gum, sweater vests and all the other things that make us happy. Then the end of the month rolls around. Your bill comes, and you come to the dreaded realization that you blew your budget once again and your credit card bill is more than you can handle. It’s happened to the best of us, but it doesn’t have to happen to you anymore. Introducing Debitize, a new way to pay off credit cards on time and respo...
Jan 09, 2017•35 min•Transcript available on Metacast For the month of January, Listen Money Matters is getting back to the basics with a month focused on the debt and the importance of credit. Over the course of the month, the guys will cover the fundamentals of credit, debt reduction plans and talk to an awesome guest about a tool he created to help keep you out of debt. What is affected by your credit? Well, everything really. Your credit score is a number that reflects your credit risk level. If you are looking to borrow money for any reason – ...
Jan 02, 2017•59 min•Transcript available on Metacast No one ever said being an entrepreneur was easy, but what a many people don’t know are the psychological struggles like depression and anxiety that also come with it. Every day, even sometimes every hour, there are ups and downs causing a constant battle of emotions in their mind. Entrepreneurs tend to struggle silently not to show their vulnerability. Not until lately have entrepreneurs come forward to talk about these struggles, including today’s guest, Sheryl O’Loughlin. She is the former CEO...
Dec 26, 2016•48 min•Transcript available on Metacast Yep, it’s time of the year again for New Years Resolutions to kick-in and for many of us, that means getting your finances in order. Are you financially ready for the new year? As we slowly approach the new year, it’s a great time to financially prepared for what’s to come. Whether you want to save for a home, get a new job or start a side hustle, you need to financially prepare you and your family. Today the guys review their last year in business and finance and talk about how they are going t...
Dec 18, 2016•47 min•Transcript available on Metacast This week the guys tackle five questions from the audience on debt, real estate investing and freelancing. Question one: Hi, Andrew, Tom, and Laura, I think an important, and sorely needed topic is finance for freelancers. And not even those who use invoicing systems. I’ve been freelancing for more years than I care to admit, and there are so many like me who copyedit, proofread or design book jackets. We’re one-person shows, with little-to-no cushion, where times are feast or famine. I would lo...
Dec 12, 2016•47 min•Transcript available on Metacast Budgeting sucks. No one really wants to do it. It’s hard to stick with, it’s a chore to review it every month and it makes you feel like crap when you spend way too much on lattes. But, you’re an adult so you need to do it. There are a few types of budgets, which one is right for you? We’re getting back to basics of budgeting. Both Thomas and Andrew have been off the rails with their own budgets so get ready for some confessions. They will discuss different types of budgets, how they work and wh...
Dec 05, 2016•56 min•Transcript available on Metacast Today on the show the guys talk with Shannon McLay, a financial planner, author, blogger, and podcaster. She left her traditional financial services job to start her own company, The Financial Gym in NYC – a fun, judgment-free space where you can talk freely about your finances, get the help you need and have a glass of wine while doing it. Shannon left her corporate job because she felt that the financial firms only provided the tools and resources to help those who had high net worth. She star...
Nov 28, 2016•52 min•Transcript available on Metacast Want to make a little money on the side? You can use that old chestnut of ‘buy low sell high’ to your advantage. There are a ton of people making money selling on Amazon and eBay using retail arbitrage. If you want to learn how to make money selling on Amazon we’ll teach you how to get started with retail arbitrage. Forty percent of Amazon sales come from third-party sellers. Their merchandise stored in Amazon’s warehouses. So clearly, there is money to be made. We talk to a master at selling on...
Nov 24, 2016•45 min•Transcript available on Metacast The wage pay gap between men and women has been a major focus of attention. In 2015, full-time female workers made only 80 cents for every dollar earned by men. We have all heard the stats, many times, yet still, the gap has barely moved in last decade. Although women obtain undergraduate and graduate degrees at higher rates than men education hasn’t been enough to move the needle. Today we have Allegra Brantly on the show, a negotiation expert who coaches women on getting fair pay and the raise...
Nov 21, 2016•53 min•Transcript available on Metacast Today the guys talk to Eric Bowlin, a successful multi-unit real estate investor from Texas about how he created his real estate empire by the age of 30. He accidentally got into real estate back in college when he and his wife decided to buy a house near the University. They purchased a 3 unit building, living in one unit and renting the rest. One night while watching a movie with his wife, he heard a knock on the door. It was one of their tenants there to pay rent. At that moment he realized t...
Nov 14, 2016•53 min•Transcript available on Metacast Veterans financial challenges are different from those faced by civilians. Too many come home from service with a lack of knowledge on how to handle their personal finances. Many also struggle to find jobs and need some guidance on how to navigate their new life in the civilian world. Financial literacy is desperately needed for veterans, and today our guest works to help service families secure economic future they feel good about. In honor of Veterans Day, the guys talk to Douglas McCormick ab...
Nov 07, 2016•50 min•Transcript available on Metacast Emotions impact every financial decision we face and sometimes it causes us to make choices out of fear or greed. Today on the show the guys talk to Dr. Daniel Crosby, a psychologist, behavioral finance expert and asset manager. He is the co-author of the New York Times bestseller Personal Benchmark: Integrating Behavioral Finance and Founder of Nocturne Capital. In Daniels’ latest book, The Laws of Wealth, he talks about principles for managing your behavior and how emotion and psychology influ...
Oct 31, 2016•1 hr 3 min•Transcript available on Metacast This week the guys tackle five questions from the audience on windfalls, real estate, and building credit. Question One First off, let me start by saying I’m loving the Investment Property series you guys are doing. I totally want to get into this, just need to figure out how to save for that first down payment… My question is this…you guys talked about saving 15% a month for the reserve account to cover vacancy and break fixes…Let’s say you own a great property, and you don’t have to dip into t...
Oct 24, 2016•42 min•Transcript available on Metacast How would you feel if you made $3.75 million in bonuses a year? It hard to imagine but our guest has done it. And he wrote a book about it! Today we have a chat with Sam Polk, author of For the Love of Money. For most people, that amount of money would be enough to live a more than a comfortable lifestyle for many years. I can’t even begin to imagine what that would feel like, but if I had to guess, I would say it would probably feel pretty damn good. For today’s guest, 3.75 million just wasn’t ...
Oct 17, 2016•48 min•Transcript available on Metacast We like to check in with our listeners and see how their financial life is going. Today we will take a look at This Financial Life with Corey. We will show him how to make more money by starting a music teaching business. Corey lives in the Boston Area, and he sure is a hustler. He currently, works six different jobs throughout the year and has been saving as much as he can to improve his financial life. One of his gigs is teaching private lessons on trombone, and he wants to expand that to make...
Oct 10, 2016•44 min•Transcript available on Metacast You have a budget, great! But what about your budget categories? Setting them up without losing your sanity can be a tall order. Having a budget is only the first step. You need to set up budget categories that are detailed enough to show you where your money is going but not so detailed that you go nuts trying to keep track of them all. Budgets are Personal Finance 101 No matter how little or how much money you have, everyone needs a budget. Every other aspect of successfully managing your fina...
Oct 09, 2016•32 min•Transcript available on Metacast As technology advances, it enables people to become more connected and informed. One of the biggest effects of new technology is on the financial world. Now, investments are incredibly accessible to all people searching to live a more flexible financial life. People can invest their money more easily than ever before Online financial planning and management services allow people to invest money and manage their portfolios from their computers or phones. Online management takes the guesswork out ...
Oct 03, 2016•55 min•Transcript available on Metacast Thinking about a 401k loan? A 401k is meant to fund retirement, but you can withdraw money from it earlier. There can be negative consequences if you borrow from your 401k but they are not as dire as we have been led to believe. Using the money to make or save money or to pay off high-interest debt can pay off. It goes against personal finance philosophy to take money out of a retirement account before retirement, but under the right circumstances, it is something to consider. 401k Recap By now ...
Sep 28, 2016•35 min•Transcript available on Metacast Buying a rental property is fun, but it certainly needs to be done with care and a ton of research. Since a rental property is a long-term investment, you want to make sure you review all considerations. You are putting a lot of money into a property for a down payment, so you need to arm yourself with all the information you need to make a profitable investment. This is week four of our real estate investments series. The guys talk in depth about buying a rental property, assembling your team a...
Sep 26, 2016•1 hr 9 min•Transcript available on Metacast Does Roofstock live up to their promises? In our Roofstock review, we dig into their selection of turnkey rental properties and put our money on the line to find out. I’ll admit, I’ve been obsessed with rental properties for a few months now. It took me about that long to wrap my brain around it all. There is so much to think about and consider – the topic of turn-key real estate investing is littered with “rabbit holes.” Now, before we jump in you may be wondering, “why would I ever want to get...
Sep 19, 2016•59 min•Transcript available on Metacast 
