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

94| Debunking Common Budgeting Myths

There are a lot of myths about budgeting that need to be debunked. Because believing these myths can prevent you from taking action on something that will help you improve your finances!
 
We see these budgeting myths perpetuated in a lot of ways. From money conversations and spending pressures in your circles of friends. To advice from family members, and the media.
 
But these myths and limiting beliefs are exactly that - limiting. In this episode we’re debunking these budgeting myths once and for all.
 
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93 | Do you Hate the "B" word? It's Time to Change How You Think About Budgets - Monday Micro Money Tip

If you want to build wealth, but you don’t like the idea of a budget, you’re due for an upgrade on your Money Mindset! Because budgets aren’t limiting, your mindset is!
This week we’re sharing why getting to budget is not only important for those who are serious about Financial Freedom. It’s also an opportunity to align your money with your values and prioritize what’s most important.
 
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92 | It's Time to Spring Clean Your Finances! | 5 Financial Chores to Take Care of Now!

This week we’re going to take advantage of the extra Spring energy to check in on our overall financial health.
We’re getting organized, closing out tax season to-do’s, and checking in with our goals for the year! Now is the perfect time to check-in on your progress and strategically adjust your strategy to get the results you really want.
Take care of these 5 financial chores to make 2024 the year you crush your financial goals!
 
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RESOURCES
IRS W4 Tax Withholding Calculator
Check Your Credit Report for FREE!
How to Travel This Summer Without Going Into Debt
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91 | Why You Need to Schedule Money Dates (even if you think you don't) - Monday Micro Money Tip

This week we’re sharing our favorite reasons for weekly money dates. Before you tell yourself "I don't need to do that" hear us out!
Because scheduling money dates can be a game changer when you’re trying to get intentional about your finances.
Especially if you struggle to be consistent, or one (possibly both of you) tend to avoid talking about money!
 
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90 | Stop Having These 3 Common Money Arguments!

Having a different opinion than your spouse about financial issues is perfectly normal. But when talking about money turns into arguing about money, that can make building wealth impossible.
Even if you don't argue about money but you struggle to agree on a strategy and can't see a clear path forward - that is costing you big time!
The longer you go without a strategy, the more you miss out on intentional saving and investing. Which is why we want to help you stop arguing about money and learn to make better financial decisions together.
In this episode of the radmoney podcast we dig deep into:
Disagreeing about how money should be used.
Battling different money management styles
Struggling to agree on your top priority
How to work through these differences and what to focus on instead.
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89 | Should You Pay off Debt or Invest First? - Monday Micro Money Tip

"Should I invest or pay off debt first" is one of the top questions we hear from our clients and audience. It's no wonder when it can feel almost impossible to do both at the same time. So this week we're sharing our perspective on one of the top debated issues in personal finance! 
 
We'd love to hear your thoughts on the topic! Share what you think of this episode with a review on apple or Spotify.
 
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88 | 6 Strategies to Increase Your Cash Flow

This week we’re talking about our favorite topic - Cash Flow! 
 
We’re sharing 6 strategies to help you increase your Cash Flow. Breaking down 3 ways to decrease your expenses + 3 ways to increase your income. And since we’ve personally used all 6 of these strategies we know they work! So whether you choose to do some or all of them, you will get results. 
 
But despite all of these strategies being simple they’re not necessarily easy. So although anyone can employ these strategies, we know that not everyone is willing to do what it takes.
 
The question is, are you willing to put in the work to increase your Cash Flow and start building wealth?
 
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87 | Are You Missing Out on Easy Passive Income? - Monday Micro Money Tip

Earning interest from a High Yield Savings Account is the easiest way to start earning passive income. Yet only 82% of Americans are benefiting from having one of these accounts!
In a High Yield Savings Account you could be earning between 4-5% interest on your savings. That's more than $600/year on a $15,000 Emergency Fund.
While that's not going to make you rich. It's more than that savings account you got when you opened your checking account.
Looking for an account? Check out the HYSA we use from Discover
 
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86 | Budgeting for Beer Money - Vices That Have a Grip on Your Wallet

Talking about personal vices, like how much we drink, is taboo enough.
But asking someone how much they spend on their drinking? That's a whole 'nother level of real talk.
Most people aren't too eager to know how much they spend on things they're not exactly proud of...
From beer and wine to drugs and clubs. If you're not honest about how much you spend on these things, you're setting yourself up for failure.
🙅‍♂️🙅‍♀️ Most financial experts would never talk to you about this. That's exactly why we knew we had to.
 
In this week's episode of the radmoney podcast we share about
Our Beer Money Savings Challenge
Dealing with an Identity Crisis - "Am I a 'Heavy Drinker'?"
Showing up as Your Best Self
Ways to Reflect on Your Habits
Suggestions for Habit Change
 
If you need help overcoming addiction, please seek professional help and find treatment near you - HERE.
 
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85 | What to do With Your Tax Refund - Monday Micro Money Tip

Don’t make this common mistake with your tax refund.
We give this one piece of advice to all of your clients when they expect any kind of windfall. Instead of deciding what you will do with the money after you get it. Have a plan for how you will use the money.
Regardless of how much money you will get, you should have a plan for how a windfall can help you reach your top financial goal. Listen to learn more about this strategy!
 
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