Subject Points:

0-2:00 Intro.

2:00 Making a plan to save up for a downpayment

4:00 Expense factors when owning – mortgage, taxes, insurance, utilities, repairs, expenses to move, and down payment  

• Factoring 1% of the building’s cost for yearly repairs

6:00 Upfront costs – ideally at least 5%+ as a downpayment

8:00 Making decisions ahead of time about where any extra or unexpected money will be deposited

9:00 Reference to Cynthia Veroneau (season 1)

10:00 Fear & Shame are the two biggest emotions around money

11:00 Security is an emotion! And the majority of women are looking to feel secure in their finances.

12:30 Ignoring finance problems only makes them worse.

14:00 Social media’s echo chamber

16:00 Allison’s Hot Tips and recommendations

19:30 The Expert’s Tip – “I squirrel away money.”

22:00 Summary

Resources Mentioned:

https://allshipsrising.com/

Allison’s Workshops!!

Allison’s Recommendations:

Calculator

Podcasts – “Jill On Money” & “Her Money”

Books – “Smart Women Finish Rich” & “The Millionaire Nextdoor”

High Yield Savings account recommendation:

WealthFront – 5.00-5.50%!

Subject Points:

1:00 Intro.

2:00 Eating out and Amazon.

4:00 Evaluating your spending is the first step in understanding how to handle your budget

5:00 Downloading or printing out 6-12 months of spending from your bank, credit card, or amazon account can give invaluable information.

7:00 Two types of people – guardrails or excel users!

10:00 Keeping money out of your reach if you’re a spender.

12:00 Having separating accounts for separate purposes.

14:00 Fast and Slow savings – extremes are difficult to maintain for long periods.

17:00 Evaluating expected expenses vs adding on random and unexpected expenses.

18:30 Track your expenses for short amounts of time – “budgeting is appropriate to the moment.”

20:00 Drawing attention to your spending is THE most helpful tool to understanding yourself.

23:00 Ways to handle impulsive spending/choices.

24:00 Wrap Up

Resources Mentioned:

https://allshipsrising.com/

High Yield Savings account:

WealthFront – 5.00-5.50%!

March and April Workshops with Allison @Serenity Maine!

Subject Points: 

:30 - Intro

1:00 - The emotionality attached to money

2:00 - Money relationship started in childhood 

3:10 - The hard lessons of learning the value of money

4:00- Shifting money mindset to giving more

5:17 - Women’s financial advice centers around saving

6:12 - The genderfication of money advice

7:15 - Women’s products are more expensive than men’s 

12:07 - Laxing spending habit to improve quality of life

16:30 - Wrapping Up

Resources Mentioned:

Financial Feminist By Tori Dunlap

Afford Anything Podcast by Paula Pant

All Ships Rising Website

Vanguard or Fidelity Roth IRA account

https://open.alliantcreditunion.com/products

https://wealthfront.com

https://www.wealthfront.com/c/affiliates/invited/AFFB-J75A-34KN-PW9Z

Subject Points:

1:00 Intro

3:00 Dark to sudden light!

10:00 Serendipity

14:00 Never give up!

18:00 Introspection

22: Wrap up

Resources Mentioned:

https://allshipsrising.com/

Vanguard or Fidelity Roth IRA account

https://open.alliantcreditunion.com/products

https://wealthfront.com

https://www.wealthfront.com/c/affiliates/invited/AFFB-J75A-34KN-PW9Z

Subject Points:

2:00 Intro

4:00 Starting the buying process – Having a long-term vision

5:00 Savings mentality

9:00 Talking to a lender before searching on Zillow!

12:00 Interviewing multiple lenders and agents

14:00 First house love

18:00 Types of financing

21:00 Offer not accepted

25: wrap up

Resources Mentioned:

https://allshipsrising.com/

Vanguard or Fidelity Roth IRA account

https://open.alliantcreditunion.com/products

https://wealthfront.com

https://www.wealthfront.com/c/affiliates/invited/AFFB-J75A-34KN-PW9Z

Subject Points:

1:00 Intro

2:00 Katie’s background

5:00 Downpayment fears

9:00 What type of home is right for me?

13:00 Ups and downs of the process

17:00 Overly attached to ideas

21:00 Escape route – Commitment Phobia

25:00 Wrap up

Resources Mentioned:

https://allshipsrising.com/

Vanguard or Fidelity Roth IRA account

https://open.alliantcreditunion.com/products

https://wealthfront.com

https://www.wealthfront.com/c/affiliates/invited/AFFB-J75A-34KN-PW9Z

#14 – “Hello Again!”

Timing Points:

0-1:30: Intro and Story

2:00 Story about personal hang ups

5:30: 2 Questions from the Audience

6:00: – “Should I Re-Finance, Cash-out Re-Finance, or Sell? What’s the best option?”

8:00: What is a H.E.L.O.C (Home Equity Line Of Credit)

11:00: The right choice for you might be different than what other people choose to do, because your options might be unique

13:00: Eliza’s question, “What are the best options for setting rental rates?”

18:30: Wrap up

Resources Mentioned:

[email protected] – my email

The WealthFront App - 5.05% interest rate!

https://allshipsrising.com/

A conversation with Bethany! Ah ha! I know you don’t want to hear about budgeting; it’s not my favorite topic either. However, it’s an important tool. Bethany shares her own perspective and tips and tricks as a single woman on how to plan and maintain a budget, which she says gives her “guilt-free spending.” Enjoy!

Resources Mentioned:

https://allshipsrising.com/

Dave Ramsey

https://www.ramseysolutions.com/

Timing Points:

0-2:00: Intro 

2:00: Finding a real estate agent.

4:50: How does a real estate get paid?

7:45: Eliza’s question – “Maximizing write-offs while being able to buy a second property.”

8:30: The Burr Method – using cash-out refinancing to repeat the buying process over and over.

10:00: My personal experience trying to cash-out refi.

12:00: Tax write offs lower your declared income.

14:15: Tips toward how to get the bank to approve you if you’re an entrepreneur.

15:40: Commercial financing and multi-units 

17:15: HELOCs – home equity line of credits

18:30: Long-term savings vs saving to make a big investment purchase.

20:30: Focusing on expertise and experience vs IRAs

22:00: Keep going! Use the 80/20 Rule to increase your income. Say Yes.

23:00: Wrap up and cat-feeding time!

20:30: Recap and closing

Resources Mentioned:

https://allshipsrising.com/

Vanguard or Fidelity Roth IRA account

https://wealthfront.com

https://www.wealthfront.com/c/affiliates/invited/AFFB-J75A-34KN-PW9Z