Notes:  

• Why she moved cross country and got her dream job as a trash consultant. 
• Transitioning from full-time work to contract role and why that was a better match for her life today. 
• Inherited money values from both parents who worked multiple jobs. 
• The financial and emotional struggle with not having enough in her emergency fund when she needed it most. 
• How she has started digging herself out of debt. 
• Buying her first home, the mortgage process, VA loans, and selecting a home they can afford and still save money every month. 
• Ideas she has for starting her own side business and how she might go back to waste. 
• How her and her fiance have different money philosophies and how tough financial times have strengthened their relationship. 
• Why you need to give yourself more grace as you grow up in life and develop your financial plan. 

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We first interviewed Whitney A. for an in-person Coffee & Coin event back in January. She’s a product marketing pro, expert saver, and millionaire. Her original interview was so good, we made her re-record her story so everyone could listen. 

We cover:  

• The lessons she learned from her parents that helped her be financially responsible. 
• How she avoided consumer debt. 
• How a personal values exercise led her to trade money for more personal time. 
• The exact # of months’ worth of expenses she carries in her emergency fund, and why. 
• Her survival strategy through the 2008 financial collapse and how it impacted her long-term strategy. 
• Why it’s hard to find a good financial adviser, and why it’s so important to decide your own investment strategy. 
• Why she factors taxes into evaluating future investments. 
• How she lives by the “Pay yourself first” rule, and why investments and savings are always top priority. 

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Hear Renee’s emotional and inspiring relationship with money—from growing up in a trailer park to managing a massive sales team and making 6 figures in her 20s. This episode was recorded live at the February edition of our Coffee and Coin event series at the Capital One Cafe in downtown Austin, TX.  We go over:  

• Renee's first money memory growing up in a trailer park with deaf parents. 
• How her scarcity mindset led to uninformed financial decisions. 
• How she lived frugally to get out of debt. 
• How she turned an early passion for computers into a lucrative sales career. 
• Why burn-out at work contributed to lifestyle creep and lowered her savings. 
• Why her decision to take a pay cut was the right one for her, financially and personally. 
• How she started her side hustle as a photographer. 
• Her current savings and investing strategy. 
• The money lessons she learned from her grandmother and how role models can shape your financial life. 

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Taylor joined us in the first ever Wealth Circle, and since then, she’s bought a house, gotten engaged, and ramped her savings rate to 50%. 

We cover:  

• How she’s getting married—her way. 
• Why being raised by a single dad impacted her values and trajectory. 
• How she avoids the traditional trappings of “lifestyle creep” and consistently prioritizes her finances. 
• Deciding whether to do a mortgage refinance would allow her to reallocate her cash.  
• The steps she took to reach a 50% savings rate. 
• How she and her fiancée organize their finances, and why joint checking accounts work well for them. 

Download our FREE financial framework workbook >

Learn more about the Wealth Circle >

We turn the microphone around and get the juicy deets of Allegra's financial life.  We cover:   - Her exact investment strategy in each asset class (paper, real estate, biz).  - The real estate breakdown: how many houses she owns, how much she paid down, mortgage numbers, etc.  - Why she got into personal finance in the first place.  - How she prepared financially to start her own business.  - The early struggles of entrepreneurship.  - The magic of a female community.  - Her first money memory! 

In this episode, you'll meet "soon-to-be-famous" Amanda who got married while she was taking the first Wealth Circle! 

In this episode you'll hear about:  

• Growing up in a family where money wasn't discussed.  
• How she paid off student loans debt with record speed. 
• How she negotiated an 88% raise... at the same company—in one year! 
• Why she ended up overspending on her wedding, despite setting a budget. 
• How she got into real estate investing. 
• Why she talks to everyone and anyone who will listen about what she learned in Factora. 

In this episode, you'll learn how Holli went from being stuck in a dead-end job to getting her dream job after finally quitting—without a backup plan. Which led to her realize it was time to leave a relationship she was done with too.  Learn more about how Holli:  

• Learned her parents were broke when her dad got arrested for stealing cable. 
• Put herself through college. 
• Knew the basics (filled up her 401k, saved enough, bought a house, etc) but it wasn't until a Wealth Circle that she realized she could be doing so much more. 
• How she set a goal of leaving her job by a certain date, and with the encouragement of her Wealth Circle, quit—even though she didn't have something lined up. 
• Landed her dream job working from home with lots of opportunity for international travel (something she'd been craving). 
• How change propelled her to make more positive change. 

After going to school to become a teacher Steph quickly realized what she actually valued was freedom in her schedule. So she used her summers to buy and renovate properties until she had enough to retire at the age of 29.  As Austin's go-to real estate investor, you'll learn about:  

• How she grew up on food stamps and took ownership of her financial journey from an early age. 
• Which house hacking strategies are the best to offset mortgage costs and build equity. 
• How she gets creative with financing her deals. 
• Why she focuses on real estate over the stock market. 
• Why indecision is the biggest factor stopping people from living their dreams, and what she does to push past it.