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With historic low interest rates we're seeing a lack of affordable housing as home prices are being driven up which is contributing to more people missing rental or mortgage payments. We discuss the current housing climate and what may happen in the future!Di Money in the Bank
 
We don’t often get on to talk about SPENDING money but as we’ve continued on our path of frugalism we realized now that we are more intentional with our purchases it’s not always the right answer to just buy the cheapest thing but rather the right product. Today we chat about how we try to be intentional with our purchases to support the small busi…
 
A couple years ago we moved from a single family home back to a small apartment and in that process we intentionally got rid of many material possessions that we no longer had the space for. As we've transitioned to a more minimalist lifestyle we've continued to donate various items that no longer serve our needs. We look back on what we got rid of…
 
What should you do if your income is reduced? On this episode we talk though how to budget on a reduced income by focusing on essential expenses and potential items to reduce during crunch time. We also discuss how to leverage your emergency fund to buy some time and ultimately develop a new, sustainable plan going forward.…
 
From time to time the calculation behind the FICO credit score changes. As FICO 10 is being rolled out this year and credit bureaus look towards moving over to this new system we update you on what those changes will mean for you. Join us this week as we discuss these changes and how you can improve your score going forward.…
 
Imagine a house with super low energy bills that is also warm in each and every room in the winter, a house that is cool in the summer, and most importantly a house with no bugs. What if we challenged our current building standards and made better homes? Tune in this week to hear our opinion of the passive house movement and if we plan to join the …
 
An Investment Policy Statement sounds scary & fancy but really it’s something that everyone should have. Whether it’s simply a few lines jotted down on a piece of paper, or a more well-thought out plan - it helps make sure you are comfortable and confident with your investment plan no matter what the market does.…
 
Frugality is a muscle but luckily it’s a muscle that fills your life with meaning and purpose. By choosing to focus on things that make you happy and only adding items to your life that bring meaning you reduce the amount of money you spend while increasing your overall happiness. It takes a while to change your mindset but once you do it’s a reall…
 
Most of us that have 401k’s or IRA’s or even a taxable account will have something called a mutual fund. This is essentially just a collection of stock, which takes the guess work out of picking choosing stocks and sets us up on a path to success. However, if you ever take a step back and click on your 5-character ticker symbol your head might star…
 
What do you do when you have a large expense in a month? For most people this might have to go on a credit card - but today we chat about sinking funds and how setting them up can help absorb large expenses. While emergency funds help to cover unplanned expenses, sinking funds are a great idea for semi-annual tax bills, annual insurance payments, a…
 
Okay guys get ready for one of our longest episodes ever. We’ve been landlords for a few years now and we’ve learned a lot along that way that we wanted to share with you in this episode. From how we got started in real estate to tips on marketing your property or figuring out if your property will cashflow we cover all of the basics on this episod…
 
On this weeks episode we finally pull in some information for our international listeners and chat about the different tax rates in different countries as well as how retirement programs work. We compare pension programs to hybrid programs to 401k style savings plans in this episode and talk about what is best for long-term retirement success.…
 
When I was a kid if I complained about being bored my parents always told me to “use my imagination”. As adults it seems like we have lost our ability to use our imagination. I recently saw an article talking about how the average American spends $2,500 a year on entertainment and several people in the comments mentioned they couldn’t imagine cutti…
 
This episode is a bit different than our usual so buckle in and get ready for a rant. We discuss various spending categories and why it’s important to keep an open mind when you are starting to make budget cuts. Instead of immediately thinking it would be impossible to spend a lower amount each month why not set a goal to spend 5% less in a categor…
 
In this weeks episode we talk about the big decision of buying a house. How to make sure you save enough for the down payment, those pesky closing costs, as well as setting up a maintenance fund because if there’s anything we’ve learned in our years of home ownership it’s that you will always need a rainy day fun!…
 
One of the reasons I started the podcast was every time I talked about personal finance with my friends people often remarked "I wish they taught this in school". We pulled together a list of the things every body should learn about personal finance before graduating high school in this weeks episode.…
 
In a world with so much free content how will the payment system change in the future? Patreon has done a lot to help smaller creators make a living but at the same time that passes the burden onto the listeners to support their favorite producers. It’s a fast-changing industry so on this weeks episode we talk about the various models and discuss w…
 
In this weeks episode we chat about the things we actually spend money on and when we do spend money we don’t have any guilt about it! We chatted last week about how we don’t follow a strict budget so while we don’t go overboard in any of these categories we’ve learned to be at peace with our spending levels.…
 
A large goal for many of our listeners is to help pay for their childs college education. With college costs increasing by 4% each year this can quickly inflate to a large amount. In this episode we tackle how much you need to save per month if you want to pitch in $20k each year for your childs education, this information can be found in the table…
 
When you look at the average person down the street you probably would never think they are the millionaire right? Surely that’s the person driving a fancy car and living in the bigger house right? Well typically that’s wrong! Usually it’s the frugal badasses that make less but save better than become wealthy while those that make a large income bu…
 
We all know that the best diets in life are the ones that are sustainable for the long run, that make us feel good about ourselves, and that work for our needs and wants to make it easier to stick with it. When you apply that same practice to your finances it actually makes a lot of sense! Whenever you create a budget you need to make sure it inclu…
 
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