Hustle culture… Gig economy… Quiet quitting… the Great Resignation… Burnout… These are phrases we are seeing more and more in the news so we brought in an expert to talk through what this really means. Jinny Uppal has 20+ years of experience driving transformational growth by challenging existing norms in business. She joins The 411k to talk about how to manage the professional world without compromising your wellness. Specifically, Jinny teaches us about strategic inaction.
Chelsea Brennan, the founder of Smart Money Mamas, is an ex-hedge fund manager turned financial educator. She joins The 411k to talk about money – specifically how to talk about money with kids.
Kids are always watching! Even without talking about money, they pick up money habits from those around them – especially parents. Chelsea and Katherine share how their money mindset changed when they had children and how their perspectives have shifted as their families has grown.
Whether you are a mom or hope to one day start a family, you won’t want to miss out on these healthy money habits!
We talk a lot on the show about how emotional money can be and we hear a lot about money shame, guilt, and grief. But today we want to talk about happiness! Melissa Leong, author of Happy Go Money, joins The 411k to talk about how happiness and money are intertwined.
Melissa challenges Katie, Katherine and the audience to answer two questions…
(1) On a scale of 1 to 10, how happy are you right now? (10 being the happiest)
(2) How much money would you need to become a 10?
Tune in to hear what research shows about these questions!
For those of us in our twenties and thirties now, we are the first generation that statistically speaking will likely spend more years in retirement than we did in the workforce. So it’s time we start preparing for our Golden Years! Manisha walks us through the retirement basics and encourages all of us to take control of the one thing we can control – when we start investing! How about now?
Interested in more from Jason? Check out our 411k bookclub for more information on his book, The Restart Roadmap.
Allison Baggerly, founder of Inspired Budget, joins The 411k to share her money story. After an unexpected pregnancy, Allison and her husband decided it was time to get their finances in order. They learned how to budget and came up with a plan to become debt-free. Now, Allison helps women get their finances in order with classes and printables through Inspired Budget. She will help you make a budget that fits your lifestyle.
We really enjoyed this conversation with Kristina Tubera, founder of Femme Finance NYC, about the volatile world of cryptocurrencies and NFTs. Kristina teaches Katie and Katherine about blockchain and how these investments can open doors for the every day investor.
REPLAY! Check out one of The 411k original interviews! In this episode, we talk with our favorite accountability coach, Shannon McLay, founder of The Financial Gym. She shares her money story and how she started helping clients get “financially fit.” The Financial Gym pairs you with a Financial Trainer to help create a financial plan and hold you accountable to your goals. Are you ready to get financially naked?
REPLAY! This is one of the original 411k interviews and it is still one of our favorites. Bari Tessler Linden, M.A., is a Financial Therapist, Mentor Coach, Mama-preneur, and the Founder of The Art of Money. Her methodology weaves together personal, couple, and creative entrepreneurial money teachings into one complete tapestry. The Art of Money integrates Money Healing, Money Practices and Money Maps.
“Money shame is an equal opportunity affliction, and it does not discriminate based on who you are, where you are from, how much you earn, what percentage you save, whether you pay your taxes on time, or what your credit score is.” – Bari Tessler, The Art of Money
Aleksandra Medina and Katrin Kaurov join The 411k to talk about their startup, FRICH, and how they are making money social! These Gen-Z co-founders created an app so that friends can be accountability partners for one-another. Katie and Katherine ask them all about why being transparent and social about money is important to them as well as what it’s like to be young, female entreprenuers getting funded in the male dominated venture capital space.
Tanja Hester joins The 411k to discuss her new book Wallet Activism which teaches all of us how to be more intentional with our money. Wallet Activism, sometimes referred to as “vote with your dollars,” touches on all the different ways that we can align our money with our values – how to identify the Good Guys vs. the Bad Guys when it comes to spending. But also how we donate our money and even where we invest or bank it.
Jully-Alma Taveras also known online as Investing Latina, is a Plutus Award-winning bilingual (spanish) personal finance expert. She is a Dominican Republic-born immigrant living in New York that went from being a shopaholic to a smart spender and diligent investor. In this episode, we discuss the pressure of being the first in your family to invest and how to talk money with friends and family.
Ashley Feinstein Gerstley, founder of The Fiscal Femme, joins The 411k to introduce her second book, Financial Adulting! This book is more than just your average guide to finances. In this episode, she shares what makes this book different, what inspired her to write it, and what are the financial lessons that we continue to learn over and over again.
Chris DiOrio, Chief Procurement Officer for Staples and Professor at Boston College, joins The 411k to share his salary negotiation tools. Chris shares his experience and even helps us practice ‘the’ conversation with a boss.
Nicole Noonan, CEO of New Chapter Capital Inc., joins The 411k to discuss divorce funding. Nicole is a nationally recognized divorce expert and shares her experience helping families solve financial disputes.
In the United States, we hear that more than half of all marriages end in divorce. With second marriages in the U.S., the divorce rate rises to 65% and for third marriages, the divorce rate climbs to 75%.
Many people save for a wedding but they rarely save for a divorce. Instead they can turn to credit cards, friends, family gifts or divorce funding to help them afford a divorce.
Miracle Olatunji is a public speaker, content creator, entrepreneur, and author of Purpose: How To Live and Lead With Impact. She is the founder of OpportuniMe, a mission-driven company which helps people and organizations to realize and reach their full potential. She is also building Her Wallet Media, an inclusive and shame-free coaching and financial education platform to help women build their net worth, network, and self-worth. Miracle joins The 411k to share her personal money story and inspire her Gen Z peers to find their purpose!
And just like that… You’re Engaged! Congratulations! As an engagement gift, we’d like to introduce you to our friends Heather Fier, The Wedding Hacker, and Joe Rogers, founder of Contagious Events, who are helping couples get the wedding of their dreams without breaking their budget.
- Identify the investors. Who is paying for the day? Are you paying for the entire wedding? Is family contributing? If so, how much? Before you start to create a budget, you need to have the money conversations with any potential ‘investors’ in the day. Also, are there any strings attached to the investments? Does that money go toward something specific? Do they want a say in the day if they are paying? These can be complicated conversations to have with family right but it’s better to have these conversations at the start of the planning process rather than battle it out throughout the planning process.
2. Set expectations: Pinterest is great for getting ideas on trends and themes but it should not be a cut and paste exercise. Beware of trying to exactly replicate what you see on Pinterest. Many wedding photos on Pinterest are sets and photoshoots of models. Set expectations of what you want vs. what is actually achievable.
3. Prioritize: What are the top 3 things that you care about on your wedding day? Is it the food? The music? The people? The dress? The flowers? Now, what are your partner’s top priorities? These priorities are where you will find value in the day. Put your money where your values are. These are the must-haves. Everything else you can cut corners on. When you feel the stress or budget getting you worked up, return to your priorities and remember that these are what you care about.
4. Create a realistic budget: One of the best methods to avoid wedding planning stress is to establish a realistic budget early in the planning process so that you can avoid surprises and anxiety as you get further into the planning process. Joe Rogers and his team created a Wedding Budget Calculator to help get the conversation started around wedding budgets. Note: One of the biggest contributors to the cost are the number of people in the bridal party and attending the event!
5. Negotiate everything: As you begin to work with vendors, remember that the price they offer is just the first offer. Understand the value behind the number and work with them to add value (extra hour of service, free signature cocktail, or hotel room) or decrease the price (20% discount for off-season date or waived ceremony fee)
6. Be thrifty and frugal: The Wedding Hacker has so many ways to be thrifty while planning your wedding. Check out Buy Nothing groups in your local area or Facebook Marketplace for used wedding decor. Poshmark has used dresses or you can rent them on Rent the Runway! You can even DIY flowers from Trader Joes! It comes down to time or money. Make the best choice for you!