Podcast

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Clint Proctor, a former pastor and now freelance writer at Wallet Wise Guy comes on the show to talk about  how he and his wife lived on less than $30,000 a year and were still able to meet many of their financial goals. He shares the emotional realities of the pressure he felt trying to balance a budget and his insecurities when his livelihood was dependent, in his own words “on people making charitable donations.”

Clint also shares why he transitioned away from the ministry, and how he and his wife always got on the same page about their financial and life goals.

What You’ll Hear in This Episode:

• How much Clint made as a former pastor
• Why Clint was afraid of disappointing his wife with the amount he used to make
• What ways Clint felt insecure and uncomfortable giving advice to those who made more money than him
• How Clint was able to cross off their family’s bucket list goals despite living on a low income
• Why Clint decided to move away from being a pastor

Resources:

• Wallet Wise Guy
• 7 Tips to Live on a Low Income (Without Feeling Deprived)
• Episode 66 – Buying a Home in Poverty With Charis Hill
• Episode 61 – A 69 Year Old’s Financial Regrets With John Morrow
• The Ultimate Guide to Money Mindset Mastery
• Values Based Spending Guide

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Andie Kramer and Al Harris, dynamic duo of practicing attorneys who have been mentoring women and speaking and writing about gender communication, including the book “It’s Not You, It’s the Workplace” join me on this episode to chat about why traditional corporate workplaces don’t normally offer a work/home integration, why women feel like it’s a zero sum game in when climbing the ranks, why it might be your fault when it comes to working alongside colleagues, and how we can be a better advocate for all in the working world.

Stick around to the end where I’m going to distill takeaways from your conversation including statistics about why the gender gap exists and some practical questions we can all have a better time at work.

What You’ll Hear in This Episode:

• The definition of a “toxic” workplace
• Why career interruptions happen far more to women (and the surprising statistic on women leaving the workforce)
• Why it’s not always up to others when it comes to negotiating for better work situations
• Why women are better negotiators than men
• How societal expectations mean it’s a zero sum game for women in the traditional workforce
• How we can be an advocate for all in the workplace

Resources:

• Learn more from Andie and Al
• Why Women Should Skip Business School
• Dynamics of the Gender gap for Young Professionals in the Financial and Corporate Sectors
• Breaking Through Bias: Communication Techniques for Women to Succeed at Work
• It’s Not You It’s the Workplace: Women’s Conflict at Work and the Bias that Built It 
• Follow Andie and Al on Facebook
• Connect with Andie on LinkedIn
• The Ultimate Guide to Money Mindset Mastery
• Values Based Spending Guide
• Buzzsprout

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Michelle from the website Savvy History is a history teacher by day and musician by night. She talks about her upbringing and why academics and music are so intertwined in her life, why her husband decided to leave the music business and how they managed to make their finances work while figuring out their life path. Plus the one thing Michelle’s most grateful for throughout this entire journey.

Stick around to the end of the episode where you’ll learn some takeaways about why you don’t need to monetize your passion or hobby.

What You Hear in This Episode:

• How Michelle met her husband and found out he was “the next big thing”
• What led the decision to quit college (Michelle) and he music business (Adam)
• How both their families reacted and why they decided to physically separate themselves from their respective families
• How Adam and Michelle were able to financially support themselves during this transition
• Why they both decided to move back to their hometown

Resources:

• Steve Lillywhite Discography
• Savvy History
• The Modern Trap of Turning Hobbies Into Hustles
• Not Everything Is a Side Hustle
• Start an Emergency Fund – FINRA.org
• Emergency Fund: What It Is and Why It Matters
• The Ultimate Guide to Money Mindset Mastery
• Values Based Spending Guide

*Thanks to Donovan Dorrance for the awesome theme music

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Charis Hill is a professionally disabled writer, speaker and model living with Ankylosing Spondylitis (AS), Major Depressive Disorder, Anxiety and Post-Traumatic Stress Disorder. Charis talks about how they have to rely on food stamps and Medicare while living on $12,000 a year, why they had to do things like keep cash on hand when going through the homebuying process, and why Charis feels lucky despite the many systemic barriers stacked against them.

Stick around to the end of the episode where I’ll distill some takeaways including some insights into the housing situation for lower income residents in the U.S.

What You Hear in This Episode:

• What life was like for Charis before their diagnosis
• How Charis managed to survive while not being able to work and waiting for their disability benefits to kick in
• How much their house cost and what it took to purchase it
• What Charis wants others to know about the privilege of choosing where to live
• Why Charis doesn’t feel like they’re settled into their home yet

Resources:

• Medicaid eligibility requirements
• I’m a disabled American living in poverty, and buying my house gives me 2 things: stability and a home
• Disability Benefits – Social Security Administration
• Becoming Incurable – Charis featured in this documentary
• The Privilege of Having Enough
• Buying a Home a FHA Loan
• What are ABLE Accounts?
• Follow Charis in Twitter
• The Ultimate Guide to Money Mindset Mastery
• Values Based Spending Guide

*Thanks to Donovan Dorrance for the awesome theme music

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This episode features Adam Kol, a couples financial counselor who draws on over a decade of experience as a Certified Mediator, relationship coach, financial advisor, and a former tax attorney. He comes on the show to chat about why and how he’s chosen to “ignore” his $350,000 student debt, how he feels about it from a logistical and emotional point of view and why his strategies might change if he’s in a serious relationship.

What You Hear in This Episode:

• Where the majority of Adam’s student loan debt came from
• How much he took out in student loans
• How Adam felt as soon as he made the decision
• Why me might change his mind on his student loans once he’s in a committed relationship
• How Adam has worked out the logistics and emotions around “ignoring” his student loan debt
• The realities most student loan borrowers face when it comes to the Public Service Loan Forgiveness program in the U.S.

Resources:

• The Ultimate Guide to Money Mindset Mastery
• Values Based Spending Guide
• Jay Fleischman – student loan lawyer
• Public Service Loan Forgiveness (PSLF) (StudentAid.gov)
• This federal program that wipes out student debt is struggling. Here’s how to get it right -CNBC
• AHK Coaching
• Follow Adam in Instagram
•  “Your Relationship with Money and your Honey” Quiz 

*Thanks to Donovan Dorrance for the awesome theme music

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I updated my values based spending guide with more juicy questions to dive into your relationship with money, so I thought why not guide you through it in today’s bonus episode! Grab the free guide (including some simple worksheets) so you can be a total badass with your money.  

You can use this process once a year (or as often as you like) to see if you’re on the right track. Since y’all are wondering what to do after you discover your values, there are a few questions that help address that in the guide. 

Feel free to download to guide before you continue listening and following along. Otherwise, dive right in and see what pops up for you.

What You Hear in This Episode:

• What your values really are and why people tend to get it wrong
• How to start honing in on your values
• What to do once you discover values and how it can help guide your spending

Questions to Ponder:

• What have been some purchases that have gone against your values? What do you notice about how you feel about them.
• Think of the best purchases you’ve made and compare them to your values – do they align together?

*remember, let me know in the comments below your answers! If you’re a social media person, come find me on Instagram (@beyondthedollar) and send me a DM or comment on any one of my posts. I read every single one!

Resources:

• The Ultimate Guide to Money Mindset Mastery
• Values Based Spending Guide
• Freelance Writing Kickstart – use code BTDLISTENER for 10% off course

*Thanks to Donovan Dorrance for the awesome theme music

SUBSCRIBE: iTunes | Stitcher | Google Play | Android Apps

John Morrow, a 69 year old retiree from Lakeland, Florida, comes on the show to chat about his financial regrets – including the fact that he’s now relying on a tiny pension and meager Social Security benefits after squandering his 401k funds on multi level marketing companies. That’s not all.  Him and his wife also battled cancer at various stages in their lives. And while John was dealing with remission, his wife suddenly dies of cardiac arrest, just a few short months ago.

He chats about what it means to live at the U.S. poverty level since his wife passed, the biggest financial regrets he’s had, what he’s doing to take responsibility for his actions now and what he wishes the younger generation learns from his story.

Stick around to the end where I’m going to distill some takeaways from our conversation, including some questions to think about as you’re navigating through making intentional choices with your money.

What You Hear in This Episode:

• How much John is currently living on with his pension and Social Security benefits
• The types of health challenges him and his late wife faced 
• What John’s biggest financial regrets are and what he hopes others learn from his experiences
• How he’s cultivating hope and a sense of purpose for the future
• What John’s doing now to be a better steward of his money

Questions to Ponder:

• What are some ways you can be more present with those around you?
• How can you use money to help your future self (e.g. tithing for yourself)?
• What are some expenses you can cut out and still have a great quality of life?
• Why are you making certain financial decisions (e.g. rooted in insecurity, etc.)?
• How can you cultivate a sense of community to help you have a sense of purpose outside of your financial situation?

*remember, let me know in the comments below your answers! If you’re a social media person, come find me on Instagram (@beyondthedollar) and send me a DM or comment on any one of my posts. I read every single one!

Resources:

• List of recommended books to help you in your financial life
• Episode 40 – Grieving a Spouse With Daniel Knopp
• The Ultimate Guide to Money Mindset Mastery
• Values Based Spending Guide
• Freelance Writing Kickstart – use code BTDLISTENER for 10% off course

*Thanks to Donovan Dorrance for the awesome theme music

SUBSCRIBE: iTunes | Stitcher | Google Play | Android Apps

Beau Humpreys comes on the show to chat about why he used gambling as a coping mechanism for his undiagnosed ADD, why he felt like he had to file for bankruptcy, when his last relapse happened and how he doing since that time.  

Stick around to the end where I’m going to distill some takeaways from our conversation, including questions to ask yourself when you find it hard to cope emotionally.

What You Hear in This Episode:

• How much debt Beau got into at the lowest point in his gambling addiction
• Why Beau decided to file for bankruptcy
• How Beau found out the cause behind his desire to gamble as a coping mechanism
• Some of the ways Beau was able to deal with his ADD

Questions to Ponder:

• Do you really need debt counseling or file for bankruptcy?
• What are some ways your financial behavior is linked to mental wellness?
• Which is the better option: debt settlement or debt management?

*remember, let me know in the comments below your answers! If you’re a social media person, come find me on Instagram (@beyondthedollar) and send me a DM or comment on any one of my posts. I read every single one!

Resources:

• Debt Settlement vs. Debt Management Programs: What’s the Difference?
• BeauHumphreys.com
• The Personal Finance Show (here’s the episode I was on) 
• National Foundation for Credit Counseling
• Talkspace
• BetterHelp
• The Ultimate Guide to Money Mindset Mastery
• Values Based Spending Guide
• Freelance Writing Kickstart – use code BTDLISTENER for 10% off course
• Season 3 episode 6 – How Our Mental Health Affects Our Finances

*Thanks to Donovan Dorrance for the awesome theme music