rich & REGULAR with Kiersten and Julien Saunders

Ep 166: The “Zero-naire” effect and finding confidence in the smaller wins


Listen Later

It’s time for your 2024 midyear money check-in and in this episode, we discuss the importance of celebrating the overlooked smaller financial wins and milestones. We know the feeling – it's easy to get caught up in big goals, like buying a house or retiring early. But what about the smaller victories along the way?

Julien reflects on the feeling of hitting "zero-naire" status after paying off debts, and how his mindset has shifted from constantly chasing a bigger number to finding contentment in the present. Kiersten reveals how shifting her perspective on saving from a rigid "all or nothing" approach to a more fluid and sustainable strategy led to greater financial confidence and a more positive relationship with money.

We also discuss the power of "sweat equity" in both personal and financial growth, and explore how to apply this concept to everyday life.  Whether it's cooking at home instead of eating out, cleaning your patio yourself, or finding ways to increase your savings rate, every small win counts!

After this episode, you might be surprised at how much joy and progress you can achieve when you take the time to appreciate the little things. 

Links:

  • Ep 71: Buying Used vs New 

We discuss:

  • The power of mid-year check-ins and why they're critical for understanding your progress and re-evaluating your goals.
  • The importance of celebrating small wins, even when they seem insignificant.
  • The importance of sweat equity in our personal and financial lives, and how it can lead to a sense of accomplishment and purpose.
  • The dangers of chasing hype and the importance of discerning between real financial wins and fleeting trends.
  • The need to re-evaluate our approach to investing and learn about different strategies beyond traditional index funds.
  • The importance of recognizing and appreciating the value of experiences, even if they come at a cost.

Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.

Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by Forbes

If you would like to learn more about investing, check out our newest class, Making Money Grow

...more
View all episodesView all episodes
Download on the App Store

rich & REGULAR with Kiersten and Julien SaundersBy rich & REGULAR

  • 4.9
  • 4.9
  • 4.9
  • 4.9
  • 4.9

4.9

419 ratings


More shows like rich & REGULAR with Kiersten and Julien Saunders

View all
Myleik Teele's Podcast by Myleik Teele

Myleik Teele's Podcast

2,155 Listeners

Brown Ambition by iHeartPodcasts

Brown Ambition

2,499 Listeners

Side Hustle Pro by Nicaila Matthews Okome | Side Hustle Pro Media

Side Hustle Pro

1,757 Listeners

The Clever Girls Know Podcast by Clever Girl Finance

The Clever Girls Know Podcast

863 Listeners

Therapy for Black Girls by iHeartPodcasts and Joy Harden Bradford, Ph.D.

Therapy for Black Girls

5,612 Listeners

Popcorn Finance by Chris Browning

Popcorn Finance

368 Listeners

Journey To Launch by Jamila Souffrant

Journey To Launch

1,671 Listeners

Redefining Wealth with Patrice Washington by Patrice Washington

Redefining Wealth with Patrice Washington

1,535 Listeners

Professional Troublemaker with Luvvie Ajayi Jones by Luvvie Ajayi Jones

Professional Troublemaker with Luvvie Ajayi Jones

2,170 Listeners

She's So Lucky by She's So Lucky

She's So Lucky

2,545 Listeners

Millionaire Mindsets by Xavier Miller

Millionaire Mindsets

1,452 Listeners

Earn Your Leisure by EYL Network

Earn Your Leisure

7,779 Listeners

The Table with Anthony ONeal by The Neatness Network

The Table with Anthony ONeal

2,006 Listeners

Catching Up to FI by Bill Yount & Jackie Cummings Koski

Catching Up to FI

305 Listeners

The Journey with Morgan DeBaun by Morgan DeBaun

The Journey with Morgan DeBaun

372 Listeners