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Have you seen some changes to your credit lately? I know I have! American Express just decreased the available credit on three of my cards by 90%. No late payment or other delinquencies. 

This is a timely episode to have my friend and the Financially Intentional Credit Expert, Shante Nicole join us to break down what’s going on. She shares why creditors are pulling back credit limits. She also breaks down what makes up a credit score and what goes into improving it. 

Make sure you follow her and join her Financial Common Cents Facebook group 

About our expert:

Shante Nicole’s passion for serving others has always been at the center of her life.  She is an author, financial educator, certified credit consultant, holds a degree in nursing, and is the founder of her nonprofit organizations: F.A.C.E. (Facing Autism with Children Everywhere), and her latest endeavor, Financial Common Cents.  As if that doesn’t keep her busy enough, she is also a wife and mother of a child with autism.

In January 2017, she started an online Facebook community, "Financial Common Cents", whose motto is “Education…Restoration…Liberation”.  It was her mission to empower people to rebuild, restore, and repair their credit.  She also helps individuals devise a consistent plan to manage their finances and their debt.  To date, her “FCC family” has grown to over 102,000 members from over 100 countries. 

Through her nonprofit organization, Financial Common Cents, she facilitates workshops, online courses, and personalized financial & credit coaching. As a panelist with SunTrust Bank’s onUp Movement, she educates her community on credit, budgeting, and debt management.

She’s also the founder of “Kids Making Cents”,  a financial literacy program that offers educational products and workshops in the community including schools, churches, and recreational camps.

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We discuss the realities and common misconceptions of being child-free.  What does financial planning look like for individuals and couples who are child-free? We dive deep into Retirement Planning, Financial Independence Live Early, and Life Insurance. 

About our guest:

Dr. Jay Zigmont, CFP®, and his wife are Childfree and live in Water Valley, MS. He has a Ph.D. in Adult Learning from the University of Connecticut and is a CERTIFIED FINANCIAL PLANNER™ and Childfree Wealth, Specialist. He is the founder of Childfree Wealth, a life and financial planning firm specializing in helping Childfree Individuals, and the author of “Portraits of Childfree Wealth”.

He has been featured in Fortune, Forbes, MarketWatch, Wall Street Journal, New York Times, Business Insider, CNBC, and many other publications.

Get your 15-day free trial to the Childfree Wealth Self-Directed Financial Planning System

Links mentioned in the episode: MakeMyMove

The couple that agreed to have their financial planning recorded: https://childfreewealth.com/blog/introductory-meeting-cfp

Detailed resource for Long-Term Care: https://childfreewealth.com/2022/03/08/long-term-care-childfree/

Testing out of college: https://modernstates.org

Visit Childfree Wealth at https://childfreewealth.com

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Grab your spot in my free Financial CPR class and learn the simple steps I used to go from paycheck to paycheck to my first million.

Please join me here, and follow me on social media, Instagram, and Facebook.

Need help getting started on your path to financial freedom? Start Here

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Today, we discuss with our expert, Dr. Jay Zigmont, how you can seek help from financial experts and what to expect when you start discussing finance with your financial advisor. We also cover good fundamentals in your finances and how clutter and inaccurate advice on the internet could potentially negatively impact your finances.

Dr. Jay Zigmont’s mission in life is to help people to learn how to live their best life and achieve financial freedom. He is a Certified Financial Planner completing his Education (minimum of a Bachelors Degree), Experience (minimum of 6000 hours), Examination and Ethics. This covers a broad training in the areas of Comprehensive Financial Planning: Financial Planning, Insurance Planning & Risk Management, Investment Planning, Tax Planning, Retirement Planning & Employee Benefits, and Estate Planning.

Dr. Jay Zigmont's site:   https://childfreewealth.com/

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Grab your spot in my free Financial CPR class and learn the simple steps I used to go from paycheck to paycheck to my first million.

Please join me here, and follow me on social media, Instagram, and Facebook.

Need help getting started on your path to financial freedom? Start Here

Join the Financially Intentional Community

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Steven Stack is a financial consultant and coach whose mission is to help others build wealth holistically. He is 100% debt free which includes paying off a six-figure mortgage. He also became a millionaire by age 31 through investing primarily in real estate and the stock market. He believes wealth isn't just what's in your bank account but also the person you're becoming.

Steven Stack's Website: https://www.stevenlstack.com/
Steven Stack's IG: https://www.instagram.com/stackingwithstack/

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Grab your spot in my free Financial CPR class and learn the simple steps I used to go from paycheck to paycheck to my first million.

Please join me here, and follow me on social media, Instagram, and Facebook.

Need help getting started on your path to financial freedom? Start Here

Join the Financially Intentional Community

Oh and please subscribe and leave a review on whatever app you're using to stream this podcast.

Get my book Smart Money

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“When you rely on GoFundMe accounts to pay for funerals, you're still short selling your family in the long run because GoFundMe will just pay for the funeral. But life insurance pays for the finances well beyond your life. It can pay off your mortgage, cover kids' college, and also keep a spouse from having to go right back to work if they wanna have time to grieve or they wanna take time off from work after the death of a partner. 

But it's also important for single people to get life insurance too, because if your parents depend on you for income or you're taking care of siblings or someone else, then they need to know that they're gonna be taken care of. And life insurance is a guaranteed way to do it.”
-Acquania Escarne

—

Please join me here, and follow me on social media, Instagram, and Facebook.

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Oh and please subscribe and leave a review on whatever app you're using to stream this podcast. 

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Support the show

---

Grab your spot in my free Financial CPR class and learn the simple steps I used to go from paycheck to paycheck to my first million.

Please join me here, and follow me on social media, Instagram, and Facebook.

Need help getting started on your path to financial freedom? Start Here

Join the Financially Intentional Community

Oh and please subscribe and leave a review on whatever app you're using to stream this podcast.

Get my book Smart Money

Send us a text

Please join me here, and follow me on social media, Instagram, and Facebook.

Join the Financially Intentional Community and get access to resources to guide you on the path to Financial Freedom.

Oh and please subscribe and leave a review on whatever app you're using to stream this podcast. 

Get my book Smart Money

Support the show

---

Grab your spot in my free Financial CPR class and learn the simple steps I used to go from paycheck to paycheck to my first million.

Please join me here, and follow me on social media, Instagram, and Facebook.

Need help getting started on your path to financial freedom? Start Here

Join the Financially Intentional Community

Oh and please subscribe and leave a review on whatever app you're using to stream this podcast.

Get my book Smart Money

Send us a text

Please join me here, and follow me on social media, Instagram, and Facebook.

Join the Financially Intentional Community and get access to resources to guide you on the path to Financial Freedom.

Oh and please subscribe and leave a review on whatever app you're using to stream this podcast. 

Get my book Smart Money

Support the show

---

Grab your spot in my free Financial CPR class and learn the simple steps I used to go from paycheck to paycheck to my first million.

Please join me here, and follow me on social media, Instagram, and Facebook.

Need help getting started on your path to financial freedom? Start Here

Join the Financially Intentional Community

Oh and please subscribe and leave a review on whatever app you're using to stream this podcast.

Get my book Smart Money

Send us a text

Please join me here, and follow me on social media, Instagram, and Facebook.

Join the Financially Intentional Community and get access to resources to guide you on the path to Financial Freedom.

Oh and please subscribe and leave a review on whatever app you're using to stream this podcast. 

Get my book Smart Money

Support the show

---

Grab your spot in my free Financial CPR class and learn the simple steps I used to go from paycheck to paycheck to my first million.

Please join me here, and follow me on social media, Instagram, and Facebook.

Need help getting started on your path to financial freedom? Start Here

Join the Financially Intentional Community

Oh and please subscribe and leave a review on whatever app you're using to stream this podcast.

Get my book Smart Money

Send us a text

Dr. Vanessa Kasper, started in healthcare as a teenager working as a Certified Nursing Assistant, she became a Registered Nurse in intensive care, and is now a doctoral-prepared Nurse Practitioner in primary care.  Each Wednesday she brings the Dose of Support Podcast to life where she shares stories of  self-care in healthcare! 

Please join me here, and follow me on social media, Instagram, and Facebook. 

Join the Nurses on Fire Community and get access to resources to guide you on the path to Financial Freedom.

Oh and please subscribe and leave a review on whatever app you're using to stream this podcast. 

Get results by taking action:

Listen to the Dose of Support Podcast

Join the Dose of Support community on Facebook and Instagram

Work with our financial partners….

Get the student loan plan that could have saved me $80k

Figure out if your retirement plan is optimized for you. 

Stay connected:

Get my book Smart Money

Get a text when I’m LIVE on Clubhouse

Join the NOF Facebook group

To read the full show notes, visit https://www.financiallyintentional.com/podcast

Please share this podcast with friends, family, and colleagues

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Support the show

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Grab your spot in my free Financial CPR class and learn the simple steps I used to go from paycheck to paycheck to my first million.

Please join me here, and follow me on social media, Instagram, and Facebook.

Need help getting started on your path to financial freedom? Start Here

Join the Financially Intentional Community

Oh and please subscribe and leave a review on whatever app you're using to stream this podcast.

Get my book Smart Money

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Diania Merriam is the founder of The EconoMe Conference, an event centered around financial independence, also known as the "Ted Talks" of the FIRE movement. She's also the host of the popular podcast Optimal Finance Daily where she narrates articles from the best personal finance blogs on the planet. After getting out of $30k of debt in 11 months, she used her newfound financial freedom to negotiate a remote working arrangement with her employer, take a 2 month sabbatical to walk 500 miles across northern Spain on the Camino de Santiago, and launch her own business. Diania saves 60% of her income and is on track to be financially independent by the time she’s 40 years old.

Please join me here, and follow me on social media, Instagram, and Facebook. 

Join the Nurses on Fire Community and get access to resources to guide you on the path to Financial Freedom.

Oh and please subscribe and leave a review on whatever app you're using to stream this podcast. 

Get results by taking action:

Join me in Cincinnati for the EconoMe Conference

Work with our financial partners….

Get the student loan plan that could have saved me $80k

Figure out if your retirement plan is optimized for you. 

Stay connected:

Get my book Smart Money

Get a text when I’m LIVE on Clubhouse

Join the NOF Facebook group

To read the full show notes, visit https://www.financiallyintentional.com/podcast

Please share this podcast with friends, family, and colleagues

Support the show

---

Grab your spot in my free Financial CPR class and learn the simple steps I used to go from paycheck to paycheck to my first million.

Please join me here, and follow me on social media, Instagram, and Facebook.

Need help getting started on your path to financial freedom? Start Here

Join the Financially Intentional Community

Oh and please subscribe and leave a review on whatever app you're using to stream this podcast.

Get my book Smart Money