Paychecks & Balances

Rich and Marcus return this week with a Money Minute tip and This Week in Work. This is a classic Paychecks and Balances episode. Help us, help you make your money great again! On this show we discuss: Budgeting Sucks: Here's how "just the tip" or 20% can help you make your budget and savings needs worry free Tips for dividing your savings goals into Conservative; Moderate; and Aggressive Why finding a mentor both at work and outside of work can separate you from the crowd and make your professional life easier "Let me connect you to" - the key phrase that separates friends from mentors and coaches Announcements: Take the first ever P&B Audience Survey today! Check out our new PATREON page! We’re raising funds to grow the show so we can create more great content that helps you get ahead professionally and financially. Debt Free Or Die Trying the book is available on Amazon! Looking for more career development and debt freedom tips? Join our email list at PaychecksandBalances.com/email for exclusive content including show updates, digital giveaways, and more. We don’t spam. We just keeps it real. Yes, keeps. LIKE us on Facebook.com/PaychecksandBalances or follow us on Twitter @PayBalances and Instagram at the same name!

We welcome in 2017 with the awesome couple behind HisAndHerMoney.com, Tai and Talaat McNeely. His and Her Money is a journey of how two high school sweethearts fell in love, got married, but were total opposites when it came to handling their finances. Between being the proud parents of three children, Tai and Talaat find time to share their personal stories on love, money, and personal finance to help others find the financial freedom they have found. On this week's episode we discuss: Why you need to attach a personal mission statement to your budget goals How following "the norm" can lead you financially astray "You need more discipline, not more dollars." Advancing your financial discussion as your relationship advances, "as your relationship graduates, so should your conversations about finances." Resources: View His and Her Money on YouTube Announcements: Take the first ever P&B Audience Survey today! Check out our new PATREON page! We’re raising funds to grow the show so we can create more great content that helps you get ahead professionally and financially. Debt Free Or Die Trying is out now! Cop it in that Amazon! Looking for more career development and debt freedom tips? Join our email list at PaychecksandBalances.com/email for exclusive content including show updates, digital giveaways, and more. We don’t spam. We just keeps it real. Yes, keeps. LIKE us on Facebook.com/PaychecksandBalances or follow us on Twitter @PayBalances and Instagram at the same name!

Tis the season for Paychecks & Balances annual wrap-up! This has been an awesome year for us but it's all thanks to you! In 2016, we had our highest downloads, were recognized in the Black Voices in Business category of iTunes, attended FinCon2016 and in completely irrelevant news, Rich and I met in person for the first time! Yes, 2016 was a great year for P&B but it's only made us hungrier for more greatness, more dope content, more features, and more fan interaction and content that meets your wants and needs! We're looking forward to an even bigger and better year in 2017. Please join us and continue to support! In this wrap-up episode we discuss: 2016 - The Year in Review Our plans for 2017 world domination "Making it Rain on the Haters" Our upcoming #CreditChat with EXPERIAN ..and much, much more! Announcements: Be sure to join @PayBalances as we co-host #CreditChat put on by Experian. Experian is one of the largest credit bureaus in the United States! We're excited for this opportunity so please show your support on Twitter Wednesday, December 28, 2016 3pm EST as we discuss "Financial Goals 2017." Click here for details and more info. Take the first ever P&B Audience Survey today! Check out our new PATREON page! We’re raising funds to grow the show so we can create more great content that helps you get ahead professionally and financially. Debt Free Or Die Trying is out now! Cop it in that Amazon! Looking for more career development and debt freedom tips? Join our email list at PaychecksandBalances.com/email for exclusive content including show updates, digital giveaways, and more. We don’t spam. We just keeps it real. Yes, keeps. LIKE us on Facebook.com/PaychecksandBalances or follow us on Twitter @PayBalances and Instagram at the same name!

"It was all a dream. We used to read Word Up! Magazine..." Technically, none of that applies here since we actually met Wilson at FinCon2016, but it was a dream! After a great master mind conversation with Wilson and other like-minded individuals on the daunting financial future Millennials face and why ownership of our personal finance needs to increase, we knew we had to have him on the show. We weren't disappointed! This episode discusses: "A credit card is a plastic loan" Financial Infidelity and how you and your significant other can avoid it The unique investing "headwinds" Millennials need to consider for our generation Inflation and how it should impact your investment priorities, "Your dollar is less valuable tomorrow than it is today." Resources: Visit paychecksandbalances.com/wilson to get Wilson's free guides to conquering your 401K and giving yourself a 20% raise by maximizing your employee benefits! Announcements: Take the first ever P&B Audience Survey today! Check out our new PATREON page! We’re raising funds to grow the show so we can create more great content that helps you get ahead professionally and financially. Debt Free Or Die Trying is out now! Cop it in that Amazon! Looking for more career development and debt freedom tips? Join our email list at PaychecksandBalances.com/email for exclusive content including show updates, digital giveaways, and more. We don’t spam. We just keeps it real. Yes, keeps. LIKE us on Facebook.com/PaychecksandBalances or follow us on Twitter @PayBalances and Instagram at the same name!

This week we're humbled and happy to be joined by J.D. Roth, formerly of Get Rich Slowly, and now the mastermind behind MoneyBoss! JD is a true renaissance man -- a description I didn't quite make up but I feel doesn't get used enough so here we are -- having originally created Get Rich Slowly to share his progress and lessons learned as he dug his way out of over $35,000 in personal debt. JD started from the bottom while Drake was still wheeling around on Degrassi! He describes himself as an "accidental personal finance expert" aka a regular guy who found himself deep in debt. After tremendous growth and success, he was able to sell GRS. Now he has moved on to host MoneyBoss.com, a site that candidly shares advice on personal finance and money management. On our show he shares: How Dave Ramsey's Total Money Makeover helped JD develop his money management goals When used correctly, money can buy happiness The importance of developing a personal mission statement for focusing your core values and purpose Why you need a 'financial blueprint' for prioritizing where your money goes and how you can use it to overcome your natural personality type if you're naturally a 'Spender' or 'Saver' Tips for becoming your own money boss by establishing "You, Inc." The company where you begin viewing your actions and your life as a business rather than a serious of random events and happenstance, "Instead of assuming you’re a victim of circumstance, I assume that you are the master of your own fate." - JD Resources: Book: Your Money: The Missing Manual by J.D. Roth Book Recommendation: Your Money or Your Life Visit JD's MoneyBoss website for a free "how to" guide to create your Personal Mission Statement today! Announcements: Take the first ever P&B Audience Survey today! Check out our new PATREON page! We’re raising funds to grow the show so we can create more great content that helps you get ahead professionally and financially. Debt Free Or Die Trying is out now! Cop it in that Amazon! Looking for more career development and debt freedom tips? Join our email list at PaychecksandBalances.com/email for exclusive content including show updates, digital giveaways, and more. We don’t spam. We just keeps it real. Yes, keeps. LIKE us on Facebook.com/PaychecksandBalances or follow us on Twitter @PayBalances and Instagram at the same name!

We're joined by Latisha Styles of LatishaStyles.com and YoungFinances.com. Latisha specializes in helping Millennial entrepreneurs focus their goals so they can maximize their returns. Latisha doesn't just talk-the-talk, she walks the walk by relying on her own personal experience when she escaped the 9 to 5 Matrix and established her own successful business. A self-made entrepreneur, Latisha tells us about: - How the right mentors and coaches can help Millennials get ahead faster - The plan and books she used to pay off over $30,000 in personal debt - The journey she took to start a blog that eventually grew into her new full-time profession - Some tips you can use to take your first (low risk) steps into personal investing Announcements: Check out our new PATREON page! We’re raising funds to grow the show so we can create more great content that helps you get ahead professionally and financially. Debt Free Or Die Trying is out now! Cop it in that Amazon! Looking for more career development and debt freedom tips? Join our email list at PaychecksandBalances.com/email for exclusive content including show updates, digital giveaways, and more. We don’t spam. We just keeps it real. Yes, keeps. LIKE us on Facebook.com/PaychecksandBalances or follow us on Twitter @PayBalances and Instagram at the same name!

On this week’s show, we chat with Dennis Restauro, the man behind GroundedReason.com and the Grounded Reason podcast, about cord-cutting aka cutting cable to save money. We explore cable alternatives along with other internet-related things, including sketchy websites that supposedly offer you “free cable” or access to premium shows. Dennis also drops some internet/cable industry insights and predictions about technological innovations that may change the world. To close out the show, we chat about a guest Dennis had on his podcast that uses data science to make everyday life decisions. It turned into a pretty funny conversation. Hope you enjoy! Announcements: Check out our new PATREON page! We’re raising funds to grow the show so we can create more great content that helps you get ahead professionally and financially. Debt Free Or Die Trying is out now! Cop it in that Amazon! Looking for more career development and debt freedom tips? Join our email list at PaychecksandBalances.com/email for exclusive content including show updates, digital giveaways, and more. We don’t spam. We just keeps it real. Yes, keeps. LIKE us on Facebook.com/PaychecksandBalances or follow us on Twitter @PayBalances and Instagram at the same name!

Donna Freedman's motto: “I save where I can so I can spend where I want.” This week she teaches us how she does it. Donna is the author of Your Playbook For Tough Times: Living Large On Small Change, For The Short Term Or The Long Haul and she has over 20 years of experience writing and helping people with personal finance for media organizations like MSN Money and online publications including Vox Media and Get Rich Slowly. We have another funformative conversation with Donna covering: How to build and stick to your spending plan Aligning your personal budget with your life goals and intentions Accurately managing "Opportunity Cost" so your spending maximizes your happiness Resources: Receive a discounted copy of Donna's book, Your Playbook for Tough Times, by visiting http://paychecksandbalances.com/yp and using discount code: PAYCHECKS (good through November 30, 2016) Check out Donna's post, Write A Blog People Will Read For more information and helpful tips on credit card comparisons, check out Beverly Harzog's website as discussed on the show Announcements: Check out our new PATREON page! Patreon provides a forum for you to help us create more great content, reach more people and receive exclusive content. Debt Free Or Die Trying is out now! Cop it in that Amazon! Looking for more career development and debt freedom tips? Join our email list at PaychecksandBalances.com/email for exclusive content including show updates, digital giveaways, and more. We don’t spam. We just keeps it real. Yes, keeps. LIKE us on Facebook.com/PaychecksandBalances or follow us on Twitter @PayBalances and Instagram at the same name!

We’re trying something new this week folks: Paychecks & Body. When you’re caught up in the day-to-day, week-to-week, and year-to-year hustle, it’s real easy to forget about maintaining your mind, body, and spirit. That’s why on this week show, we bring on fitness trainer Kofi Ofori-Ansah to remind us about the importance of a well-rounded wellness program that not only focuses on the gym and working out, but also how aligning your health can make it easier to maintain the energy you need to increase your paychecks and lower your balances. On this show we talk about: Simple life hacks you can start today that don’t involve making major changes to your daily routine How one simple change can lead to significant benefits to your health and wellness Why your wellness routine needs to evolve from your 20s to your 30s and beyond How identifying your purpose can motivate you towards even work-life balance

We're back at it with a new episode! This week we're joined by Tonya Rapley. Tonya runs My Fab Finance, a website dedicated to helping readers and listeners like you break the cycle of living paycheck to paycheck so that you can live free and do more of what you love! Sounds great, right? We know! That's why we were happy to have Tonya on the show to share her wisdom. On this show you'll learn: Where and why you need to obtain your free Annual Credit Report How to develop your own personal finance plan Why Tonya became interested in teaching the importance of personal finance to others based on experiences frown her own life "Financial Abuse" -- how to spot it; avoid it; and escape the cycle Tonya's system for "never stop learning" and how her website and advice can help you continue your own learning and develop a plan for financial success Listen to this gem-packed show and last but not least check out Tonya's feature for Toyota! Resources: The Only Free Annual Credit Report You Need Website: MyFabFinance.com Twitter: @MyFabFinance Announcements: Check out our new PATREON page at www.patreon.com/paybalances! Patreon provides a forum for you to help us create more great content, reach more people and receive exclusive content. Debt Free Or Die Trying is out now! Cop it in that Amazon! Looking for more career development and debt freedom tips? Join our email list at PaychecksandBalances.com/email for exclusive content including show updates, digital giveaways, and more. We don’t spam. We just keeps it real. Yes, keeps. LIKE us on Facebook.com/PaychecksandBalances or follow us on Twitter @PayBalances and Instagram at the same name!

This week we're joined by Personal Finance Coach and author of Small Business Finance for the Busy Entrepreneur, Sylvia Inks! Sylvia is an experienced business consultant that worked for one of the largest professional services firms in the world before turning into a financial coach for small businesses. On this week's show she shares her experience helping businesses and individuals achieve maximum efficiencies and optimum outcomes. On this week's show you'll learn: How to properly and accurately pay yourself when owning your own business Why you should partner with both a lawyer and a CPA as soon as you have a business idea What interview questions you should ask to find the best CPA for your business Sylvia's 21 proven steps for a successfully launching and maintaining your business Resources: BUY Small Business Finance for the Busy Entrepreneur on Amazon or Visit the Book's Official Website LAUNCH DAY SPECIAL: On Tuesday, November 1st only the book is available for $0.99! Follow Sylvia on Twitter @SMIFinancial Find Sylvia on LinkedIn Website: SMI Financial Consulting Announcements: Check out our new PATREON page (www.patreon.com/paybalances)! Patreon provides a forum for you to help us create more great content, reach more people and receive exclusive content. Debt Free Or Die Trying is out now! Cop it in that Amazon! Looking for more career development and debt freedom tips? Join our email list at PaychecksandBalances.com/email for exclusive content including show updates, digital giveaways, and more. We don’t spam. We just keeps it real. Yes, keeps. LIKE us on Facebook.com/PaychecksandBalances or follow us on Twitter @PayBalances and Instagram at the same name!

This week we have another great guest on the show, Aja McClanahan! Good times and good information ensue as Aja discusses her Post-Traumatic Debt Disorder and how it was a family affair to pay off over $120,000 in debt! Aja shares how Dave Ramsey's Total Money Makeover helped change her views on debt and personal finance, but it wasn't that easy! Her story covers everything from how her "marriage playbook" helped her celebrate 12-years of blissful marriage (and counting); the importance of teaching her children about the importance of budgeting and personal finance; and why the mantra "you gotta spend money to make money" isn't always true, especially when you're drowning in debt. In fact, unlike many who abandon the hood to find their dream homes, Aja found that going back to the hood was the key to prioritizing what was truly important in life. Find your purpose and your path will become clear. Tune in to hear Aja share her non-traditional path to a great success story! Resources: Dave Ramsey: The Total Money Makeover Announcements: Debt Free Or Die Trying is out now! Cop it in that Amazon! Looking for more career development and debt freedom tips? Join our email list at PaychecksandBalances.com/email for exclusive content including show updates, digital giveaways, and more. We don’t spam. We just keeps it real. Yes, keeps. LIKE us on Facebook.com/PaychecksandBalances or follow us on Twitter @PayBalances and Instagram at the same name!

On PB26, we chop it up with Lisa Nicole Bell, host of the Behind the Brilliance podcast and founder of the Inspired Life Media Group. We discuss entrepreneurship (she keeps it candid about being an entrepreneur), values, goals, time management and more. You better press play on this episode and get you a glass of truth juice! We can confidently say this is one of our best episodes ever. Announcements: Debt Free Or Die Trying is out now! Cop it in that Amazon! Looking for more career development and debt freedom tips? Join our email list at PaychecksandBalances.com/email for exclusive content including show updates, digital giveaways, and more. We don’t spam. We just keeps it real. Yes, keeps. LIKE us on Facebook.com/PaychecksandBalances or follow us on Twitter @PayBalances and Instagram at the same name!

We’re joined by Doctor Katisha, an all-around dope Paychecks & Balances listener. She emailed us in response to PB18, the Cash Only episode. Turns out she has a pretty robust bank account system that we thought would help our listeners go beyond the 15 minute budget plan. Upon further research, we also found out she is a Woman in Engineering that survived the gauntlet that is a PhD program. Katisha opens with a little background about herself, how she got into engineering, and why she chose to pursue her PhD. Later in the episode, she talks about money, budgeting, and how she uses separate accounts to achieve her budgeting goals. Still not enough? She came bearing gifts! Check out the savings snowball article she introduced us to! But, that’s not all folks. For even more helpful advice columns provided by Doctor Katisha check out these helpful resources and our upcoming NewsLetter: How to Create a Plan to Pay Off Debt; How 14 Accounts Saved Our Budget; and The Best Online Savings Account in 2016. Wow, you still want more? Welp. You should probably have a listen to this week’s funformative show… Announcements: Debt Free Or Die Trying is out now! Cop it in that Amazon! Looking for more career development and debt freedom tips? Join our email list at PaychecksandBalances.com/email for exclusive content including show updates, digital giveaways, and more. We don’t spam. We just keeps it real. Yes, keeps. LIKE us on Facebook.com/PaychecksandBalances or follow us on Twitter @PayBalances and Instagram at the same name!

P&B Nation! We don't think we've said that before, but we'll go with it. On this episode, we're joined by Lindsay Goldwert, host of the Spent podcast. We caught up with her at #FinCon16 and had a great conversation about money and more...despite Rich's voice being in a perpetual state of vocal fry. A valuable lesson learned in conference-going! Check out Lindsay's show at www.spentpodcast.com. You can also follow on twitter at @SpentPodcast. Looking for more career development and debt freedom tips? Join our email list at PaychecksandBalances.com/email for exclusive content including show updates, digital giveaways, and more. We don’t spam. We just keeps it real. Yes, keeps. LIKE us on Facebook.com/PaychecksandBalances and/or follow us on Twitter and Instagram @PayBalances!