radmoney | Money Management for Millennial Married Couples with Financial Coaches Rebecca & Dylan

19 | Want to be Financially Independent? 3 Habits to Get You There

After listening to this episode - you will never think of money management the same way again!
We've distilled every financial tip and piece of advice out there down to these 3 critical Financial Habits.
 
Once you learn what these habits are and apply them to how you manage money - you and your spouse will be well on your way to Financial Freedom, building wealth and eventually Financial Independence. 
 
TIMEMARKS:
 
3 Habits to Reach Financial Independence 1:58
What is Financial Independence? 2:20
Retirement is a Number not an Age 3:06
FIRE - Financially Independent, Retire Early 4:28
Without One Habit - None of Them Work 7:12
Habits for Financial Independence 8:38
What is a ‘Liability’? 9:01
Why You Need to Avoid Liabilities 10:36
What is Cash Flow? 13:28
How to Increase Cash Flow 18:02 
Pay Yourself First 19:07 
Habit Recap 24:29
 
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CONNECT WITH US!
💵 Book your FREE Financial Strategy Session
💰 Take the FREE Course for Couples Building Wealth in 2024
❓Ask radcoaches - submit your question here

18 | How to Talk About Money with Your Spouse (Without it Turning Into an Argument)

Do you want conversations about money with your spouse to improve? 
Does getting your partner to talk about money feel like pulling teeth?
Even though you talk about money often, would you like it to be easier, even fun?
 
- - -
In this episode, we are giving you 5 tips to help you have better money conversations with your spouse and start building financial intimacy in your marriage.
 
Because believe it or not, conversations about finances can actually be exciting when they’re focused on opportunities and designing your life together!
 
Even better - these tips don’t just work for conversations about finances. These principles can help you make any difficult conversation easier. Especially conversations that require a lot of trust and vulnerability.
 
TIMEMARKS:
 
How to Talk About Money with Your Spouse 2:38
Step 1: Invite them to the Conversation 5:02
Step 2: Schedule Conversations about Finances 7:04
Step 3: Read the Room 8:19
Our Version of a Money Date 10:14
Step 4: Set Ground Rules 10:58
The Ground Rules 11:47
Ground Rule Recap 19:40
Step 5: Practice Makes Perfect 20:36
 
DID YOU FIND THIS TIP USEFUL?
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CONNECT WITH US!
💵 Book your FREE Financial Strategy Session
💰 Take the FREE Course for Couples Building Wealth in 2024
❓Ask radcoaches - submit your question here

17 | Why is it so Hard to Talk to Your Spouse About Money?

We hear it from couples all of the time - "It’s just so hard to talk about money!"
 
From wanting to “keep the peace” to not feeling like you know enough about money to talk about it. There are  a lot of reasons that it’s hard to talk about money. The problem is when that difficultly leads to avoidance.
 
So if you’ve ever asked yourself “How can I improve communication around our finances?” or “"How to start a conversation about money with your spouse" - This one's for you!
 
In this episode, we discuss the various reasons most of us find it extremely difficult to talk about money. While of course sharing a few tips along the way.
TIME STAMPS:
Learning to Talk About Money Strengthens Your Marriage 4:25
Scarcity vs. Abundance Mindset 5:53
Get Comfortable Talking About Money 6:55
Talking About Money - Different levels of Finacniacl Literacy 8:00
Role Models for How to Talk About Money 9:21
Work Through Discomfort 12:02
Good Relationships Take Work 14:38
 
DID YOU FIND THIS TIP USEFUL?
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CONNECT WITH US!
💵 Book your FREE Financial Strategy Session
💰 Take the FREE Course for Couples Building Wealth in 2024
❓Ask radcoaches - submit your question here

16 | What Every Couple Must Do - To Reach Financial Freedom

Do you and your spouse want to reach Financial Freedom and start building wealth?
 
If so, then you must do these 5 things to get there!
 
We discuss the 5 non-negotiables that you must do to set yourselves up for success. Not only will these habits help you reach your financial goals. They will help you protect your relationship and ensure that your marriage thrives through the process of paying off debt, saving money and building wealth together! 
 
TIMEMARKS:
 
Learn to Budget Effectively 2:03
Improve Communication 6:07
Have Money Dates 8:05
Have No Questions Asked Fun Money 9:52
Throw Away the Scorecard 14:55
 
LINKS FROM THE SHOW:
Episode 15 | What Not To Do When Managing Money Together
 
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CONNECT WITH US!
💵 Book your FREE Financial Strategy Session
💰 Take the FREE Course for Couples Building Wealth in 2024
❓Ask radcoaches - submit your question here

15 | What NOT To Do When Managing Money Together

Tips for budgeting are always about what you "should do". But equally as important is what NOT to do!
In this episode we talk about exactly that. What not to do when planning out your budget for the week or month, or managing money in general! 
If you can avoid these 5 financial mistakes - you will be well on your way to improving your relationship with money, and your relationship with your spouse.
Don’t Split the Financial Chores 3:40
Don’t be Passive 5:10
Don’t Budget in Your Head 7:10 
Don’t Stay in Your Comfort Zone 8:12
Don’t Waste Your Time 13:38
Bonus: Don’t be a Quitter 14:53
- - -
Want to learn how to budget from us? Take our online course where we teach you how to budget, how to master your Cash Flow and track your Net Worth as you build wealth. 
In our course we share the spreadsheets we created and that we believe are some of the best out there! While also teaching you how to budget effectively.
From the right money mindset, down to the how to's and step-by-step walkthroughs for how to use the tools. If you’ve ever struggled to budget, this is exactly what you’ve been looking for!
 
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CONNECT WITH US!
💵 Book your FREE Financial Strategy Session
💰 Take the FREE Course for Couples Building Wealth in 2024
❓Ask radcoaches - submit your question here

14| Overcoming Obstacles to Budgeting Together

We get tons of questions about how to manage money together. One of the top questions is “How to budget together and keep the peace!”
 
We know that budgeting with your spouse is the most effective way to build wealth together. So overcoming obstacles and learning how to budget effectively is the key to your success.
 
How do you budget together without starting an argument?
Why do you both have to budget when only one of you is really interested?
Maybe it tends to turn into a power struggle where neither of you wanting to feel "controlled"
 
We’re your hosts husband and wife - Dylan Pollock & Rebecca Brooks - Financial Coaches for Married Couples.
In this episode we’re diving into some of the most common obstacles to sitting down with your spouse and making a plan for your money together.
We also share some of our best budgeting tips along the way! 
TIMEMARKS:
Why is it Important to Budget with Your Spouse? 1:37
Getting your partner to buy-in 7:08
Why you both need to budget 13:59
My spouse isn’t interested in the ‘money stuff’ 14:56
We budget in our head 16:59 
Trying to Keep the Peace 18:45
Can’t find the “right” budgeting tool 21:07
Reviewing and disproving objections 21:51
 
WORK WITH US!
Want to learn how to budget from us? Take our online course where we teach you how to budget, how to master your cash flow and track your net worth as you build wealth. 
 
In our course we share the spreadsheets we created and that we believe are some of the best out there! While also teaching you how to budget effectively. From the right money mindset, down to the how to's and step-by-step walkthroughs for how to use the tools. If you’ve ever struggled to budget, this is exactly what you’ve been looking for!
 
DID YOU FIND THIS TIP USEFUL?
📸 Share this episode and tag us on Instagram @radcoaches
 
CONNECT WITH US!
💵 Book your FREE Financial Strategy Session
💰 Take the FREE Course for Couples Building Wealth in 2024
❓Ask radcoaches - submit your question here

13 | Should I Help My Spouse Pay Off Their Debt?

Do you or your spouse have personal debt that you brought to the relationship?
Has that debt created friction or been a burden on your marriage?
Do you want to help your spouse pay off debt, but are unsure how to approach it?
 
We’re your hosts Rebecca Brooks & Dylan Pollock - Married couple, co-business owners and Financial Coaches.
In this episode we dig deep into the topic of helping your spouse pay off debt. We share our personal story and the deep, sometimes dark emotions, we experienced while we were going through this. While still preserving our relationship and our financial future as a couple. 
 
Be sure you listen through to the end. There we provide powerful conversation starters for you and your spouse to discuss. These will help you figure out the first steps of paying off debt and reaching Financial Freedom together!
TIMEMARKS:
Cultural Norms 3:30
Realistic Expectations 8:30
Married Couples Dealing with Debt 9:35
Accepting Help With Your Debt 17:03
Should I Help My Spouse Pay Off Debt? 20:33
Tips if You’re the One With Personal Debt 24:47
Tips For Helping Your Partner Pay Off Personal Debt 27:23
Thought Experiments and Conversation Prompts 28:38
 
DID YOU FIND THIS TIP USEFUL?
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CONNECT WITH US!
💵 Book your FREE Financial Strategy Session
💰 Take the FREE Course for Couples Building Wealth in 2024
❓Ask radcoaches - submit your question here

12| 6 Steps to Successfully Manage Money as a Married Couple

We’re your hosts Rebecca Brooks & Dylan Pollock - husband and wife -  in work and in life. In our opinion - being successful with managing money within your marriage can be the difference between a good marriage and a great marriage! But it’s no secret that managing money as a married couple can be difficult.
How do you talk to your spouse about money without having an argument?
How can you both get on the same page?
These are questions that couples from all over the country ask and we’re here to help! In this episode we share 6 things you need to do if you want to manage money together without awkward tension and arguments.
TIMEMARKS:
Financial Coaching for Married Couples 1:00
Marriage prep for the single and dating 3:10
Why it’s important to manage money together 4:20
Money and divorce statistics 5:00
Managing money is more complex than ever 7:28
Learn to talk about money 10:10
Understand each others money story 13:17
Learn to work toward a shared goal together 15:13
Support one another 19:15
Allow yourself to be INTERdependence 22:28
Set goals and agree on priorities 27:00
 
DID YOU FIND THIS TIP USEFUL?
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CONNECT WITH US!
💵 Book your FREE Financial Strategy Session
💰 Take the FREE Course for Couples Building Wealth in 2024
❓Ask radcoaches - submit your question here

11 | Watch Out For This #1 Cash Flow Killer

Working with as many clients as we have - we’ve noticed a lot of trends in how people use their money. We’ve identified this one thing that is killing everyone's cash flow and blowing their budgets up month after month! If left unchecked, this habit will chew through your income incredibly fast and without you even realizing. At the end of the month you’ll be left wondering where all your money went! 
So what is this cash flow killer? Find out in this episode! Where we also provide a few actions you can take to make sustainable habit change and align how you use your money with the life you actually want! Without feeling restricted.
 
TIMEMARKS:
Intro 
This is Killing Your Cash Flow 2:15
What is Cash Flow? 2:20
How we get caught in a feedback loop 5:48
How are you using your time? 8:17
Lifestyle Creep and status 9:23
Why Starbucks is/isn’t such a big problem 12:59
Are you actually saving time? 14:40
Know what drives you 18:00
Lack of satisfaction over time 19:27
Bonus benefits and more motivation! 23:40
The worst offenders 27:48
Healthy habit swaps 30:19
DID YOU FIND THIS USEFUL?
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CONNECT WITH US!
💵 Book your FREE Financial Strategy Session
💰 Take the FREE Course for Couples Building Wealth in 2024
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10 | Money is Time with Ben Miller of ChroniFI

We’ve all heard the saying “Time is Money” but how does that saying impact our money mindset and how you manage both our time and our money? In what ways does this push the narrative of hyper-productivity? What is perhaps a healthier way to view the value of our time?
We’re your hosts Rebecca Brooks & Dylan Pollock -and in this special episode we welcome our first ever guest on the radmoney podcast - our good friend Ben Miller from ChroniFI!
Ben is the Founder of ChroniFI a personal finance software that helps users conceptualize their money in terms of time. We knew he was the perfect person to discuss the how rather than the old paradigm of “Time is Money” we should be viewing “Money as Time”.
TIMEMARKS:
Meet Ben Miller of ChroniFI 1:14
How we Manage Money is How we Manage Time 2:35
Saving Money Comes from an Abundance Mindset 4:39
Time is Money and Hustle Culture 5:24
Your Income Does not Equal Your Worth 7:45
Building the Habit of Harvest 8:44
Poor Little Rich Boy 12:05
Funding Your Time 12:56
Lifestyle Creep and Golden Handcuffs 16:18
Self Medicating to Keep it All Going 19:55
Money is Time 21:11
Your Daily Habits - Over Time (Example from Ben) 26:03
How Does ChroniFI Help Visualize Time as Money? 31:30
LINKS FROM THE SHOW:
Check out ChroniFI
Read more about Lifestyle Creep & Golden Handcuffs
 
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CONNECT WITH US!
💵 Book your FREE Financial Strategy Session
💰 Take the FREE Course for Couples Building Wealth in 2024
❓Ask radcoaches - submit your question here