Journey To Launch

Tiffany Aliche, The Budgetnista is back! America's favorite personal finance educator rejoins the Journey to Launch podcast to discuss her new workbook, "Made Whole: The Practical Guide to Reaching Your Financial Goals."

We also chat about how success can be deceiving, why you need to listen to your body, getting the courage to ask for help, the breaking point of Tiffany pivoting her business to a more sustainable model, and more!

Tiffany is author of New York Times best-selling book, Get Good With Money. Through her Live Richer Movement, she's helped over 2 million women save, manage and pay off hundreds of millions of dollars of debt. She was featured on Netflix's Get Smart With Money and was instrumental in passing The Budgetnista Law, which makes financial education a requirement for middle school students in New Jersey.

In this episode you'll also learn more about:

• What "Lifestyle Design," is and how daydreaming is an essential part of designing your ideal life
• How to find freedom and happiness in your life NOW
• The law of depreciating returns and knowing your "enough point"
• Seeking peace, remembering what is most important in life, "The Perfect Day List" + more

Other Links Mentioned in episode:

• Becoming Financially Whole, Doing What You Enjoy, And Making Good Money W/ Tiffany Aliche "The Budgetnista"
• The 4 Hour Workweek by Tim Ferriss
• Get The Budget Bootcamp for FREE
• Pre-order my new book, Your Journey to Financial Freedom and get access to FIRE STARTER Course for FREE
• Check out my personal website here.
• Join The Weekly Newsletter List
• Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!
• YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link.
• What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here.

Connect with Tiffany:

• TheBudgetnista.com
• MadeWholeWorkbook.com
• Instagram:@TheBudgetnista
• Twitter:@TheBudgetnista
• Facebook:@TheBudgetnista

Connect with me:

• Instagram: @Journeytolaunch
• Twitter: @JourneyToLaunch
• Facebook: @Journey To Launch
• Join the Private Facebook Group
• Join the Waitlist for My FI Course
• Get The Free Jumpstart Guide
• Get The Budget Bootcamp for FREE

Some of my most impactful conversations are with people who are in the thick of the journey, not just people who have reached Financial Independence. In today's episode of Journey to Launch, I'm bringing back Cassandra Henry, a Journeyer who doesn't have it "all figured out," but is on an inspiring path toward financial freedom.

Cassandra, an Expat living in Abu Dhabi, was one of my first 1:1 financial coaching clients. She has paid down debt, moved abroad, and found that financial independence is a worthwhile goal no matter what your circumstances.

We chat about gamifying your financial goals, paying zero taxes abroad, and having over $17k of student loan debt forgiven.

In this episode you'll also learn more about:

• Why living in Abu Dhabi is less stressful and how Cassandra is able to save money living abroad
• How COVID almost made Cassandra quit teaching, but instead she pivoted to an international teaching role
• The struggles of living across the world from family and the power of creating your own community
• Public Student Loan Forgiveness, how financial independence allowed Cassandra to take care of her family, why investing even a small amount matters + more

Other Links Mentioned in episode:

• How Cassandra Increased Her Income By $10k & Improved Her Money Mindset
• Get The Budget Bootcamp for FREE
• Pre-order my new book, Your Journey to Financial Freedom and get access to FIRE STARTER Course for FREE
• Check out my personal website here.
• Join The Weekly Newsletter List
• Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!
• YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link.
• What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here!

Connect with me:

• Instagram: @Journeytolaunch
• Twitter: @JourneyToLaunch
• Facebook: @Journey To Launch
• Join the Private Facebook Group
• Join the Waitlist for My FI Course
• Get The Free Jumpstart Guide
• Get The Budget Bootcamp for FREE

In this episode, I share the Introduction of my new book: Your Journey to Financial Freedom: A Step-By-Step Guide To Achieving Wealth And Happiness.

I talk about how plans are meant to be flexible, why joy and happiness are just as important on this journey as numbers and formulas, the importance of sustainable financial planning, and more.

In this episode you'll also learn more about:

• My mother's brave immigration story from Jamaica to New York City
• What "woke" me up and turned me on to the path to Financial Independence
• How motherhood pushed me further on my journey and inspired me to teach my children to not conform to society's notion of happiness.
• The process of recording my audiobook, why pre-orders matter, and the steps I've taken to get this book into the hands of Journeyers like you + more

Other Links Mentioned in episode:

• FinCon Giveaway of Your Journey to Financial Freedom
• Let Me Introduce Myself Blog Post
• Get The Budget Bootcamp for FREE
• Pre-order my new book, Your Journey to Financial Freedom and get access to FIRE STARTER Course for FREE
• Check out my personal website here.
• Join The Weekly Newsletter List
• Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!
• YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link.
• What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here!

Connect with me:

• Instagram: @Journeytolaunch
• Twitter: @JourneyToLaunch
• Facebook: @Journey To Launch
• Join the Private Facebook Group
• Join the Waitlist for My FI Course
• Get The Free Jumpstart Guide
• Get The Budget Bootcamp for FREE

JL Collins is known as "The Godfather of FI," and for a good reason: He continues to be a pioneer in the FIRE (Financial Independence Retire Early) Movement and a thought-leader in the Financial Independence (FI) space.

Today, he joins us to discuss the origin story of his groundbreaking blog, the concept behind his new book, Pathfinders, shiny investing object syndrome, and more.

In this episode you'll also learn more about:

• Defining what "the simple path to wealth" means
• Breaking down what index funds are, the difference between active and passive investing, and what "self cleansing" means
• How chasing performance is the best way to underperform in investing
• The 4% rule, the importance of understanding the cost of your comfortable lifestyle, purchasing things from a position of strength, and more

Other Links Mentioned in episode:

• The Simple Path To Wealth And All You Need To Know About Index Investing With JL Collins
• The Simple Path to Wealth: Your road map to financial independence and a rich, free life
• How I Lost Money in Real Estate Before It Was Fashionable: A Cautionary Tale
• Pathfinders: Extraordinary Stories of People Like You on the Quest for Financial Independence—and How to Join Them
• How To Quit Like A Millionaire So You Can Stop Working & Start Living With Kristy & Bryce
• Quit Like a Millionaire: No Gimmicks, Luck, or Trust Fund Required
• Tim Ferris & James Clear Episode
• Get The Budget Bootcamp for FREE
• Pre-order my new book, Your Journey to Financial Freedom and get access to FIRE STARTER Course for FREE
• Check out my personal website here.
• Join The Weekly Newsletter List
• Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!
• YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link.
• What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here!

Connect with JL:

• Website
• Twitter:@JLCollinsNH
• Facebook:@JLCollinsNH

Connect with me:

• Instagram: @Journeytolaunch
• Twitter: @JourneyToLaunch
• Facebook: @Journey To Launch
• Join the Private Facebook Group
• Join the Waitlist for My FI Course
• Get The Free Jumpstart Guide
• Get The Budget Bootcamp for FRE

In Part 2 of my "The Basics of Financial Independence Series," I take you through the tangible, numbers-based side of the Financial Independence movement.

I talk about how the journey to Financial Independence changes your life as a whole, why it's okay and normal for your goals and dreams to be flexible, validating that it's okay for you to want something different for your life, and more.

In this episode you'll also learn more about:

• The difference between basic personal finance principles and Financial Independence
• How to calculate your Financial Independence number
• Common Financial Independence terms and definitions
• Why you should pursue Financial Independence no matter what your situation looks like, a breakdown of the 5 Journeyer Stages of Financial Independence + more

Other Links Mentioned in episode:

• Episode 344: The Basics Of Financial Independence: How Financial Independence Changed My Life – Part 1
• Get The Budget Bootcamp for FREE
• Pre-order my new book, Your Journey to Financial Freedom and get access to FIRE STARTER Course for FREE
• Check out my personal website here.
• Join The Weekly Newsletter List
• Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!
• YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link.
• What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here!

Connect with me:

• Instagram: @Journeytolaunch
• Twitter: @JourneyToLaunch
• Facebook: @Journey To Launch
• Join the Private Facebook Group
• Join the Waitlist for My FI Course
• Get The Free Jumpstart Guide
• Get The Budget Bootcamp for FREE

In Part 1 of my "The Basics of Financial Independence Series," I take you through my background and how I discovered the Financial Independence, Retire Early Movement (FIRE Movement).

I also talk about how my mom came to America from Jamaica, my early introduction to real estate, when I had my FIRE Movement "Ah ha" moment, and more!

In this episode you'll learn more about:

• My background, when my personal finance passion began, and how Financial Independence changed my life
• How Financial Independence differs from other personal finance concepts
• Financial Independence basics you need to know
• Ways you can reach your Financial Independence goals + more

Other Links Mentioned in episode:

• InRoads.org
• Mad Fientist Podcast
• How I Bought My First Real Estate Investment Property At 22-Years-Old
• My Journey To Launch: How I Plan To Retire By Age 40
• How I Failed At Reaching My Financial Independence Goal But Found Financial Freedom Instead
• Get The Budget Bootcamp for FREE
• Pre-order my new book, Your Journey to Financial Freedom and get access to FIRE STARTER Course for FREE
• Check out my personal website here.
• Join The Weekly Newsletter List
• Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!
• YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link.
• What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here!

Connect with me:

• Instagram: @Journeytolaunch
• Twitter: @JourneyToLaunch
• Facebook: @Journey To Launch
• Join the Private Facebook Group
• Join the Waitlist for My FI Course
• Get The Free Jumpstart Guide
• Get The Budget Bootcamp for FREE

Eliana Goldstein, certified professional coach, joins the podcast to discuss how to create the necessary mindset, learn the key strategies and set the goals needed to move to the next level in your career. Elaina's goal is to teach people how to build careers so they don't completely dread Monday morning.

We also chat about when you should advocate for a raise at your current company, how to nail job hopping, pay transparency, why you should hold off until the last minute for the salary conversation with your potential employer and more!

In this episode you'll learn more about:

• Questions we should ask ourselves if we're stuck in a mundane work cycle or career
• Replacing the importance and emphasis on passion with values and areas of strength
• Why you need to get to know yourself (self audit) before you make a career change
• Zones of genius, flow states, mindset shifts, learning how to leverage a creative career to earn more money + more

Other Links Mentioned in episode:

• Dorianne St Fleur Instagram
• Instagram.com/yourcareergirl
• Episode 7- How to Negotiate a $25,000 Raise
• Episode 232- How You Can Make More Money, Have More Impact, And Thrive In The Corporate World With Dorianne St. Fleur
• Get The Budget Bootcamp for FREE
• Pre-order my new book, Your Journey to Financial Freedom and get access to FIRE STARTER Course for FREE
• Check out my personal website here.
• Join The Weekly Newsletter List
• Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!
• YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link.
• What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here!

Connect with Eliana:

• Website: Elianagoldsteincoaching.com
• Instagram:@Eliana_Goldstein

Connect with me:

• Instagram: @Journeytolaunch
• Twitter: @JourneyToLaunch
• Facebook: @Journey To Launch
• Join the Private Facebook Group
• Join the Waitlist for My FI Course
• Get The Free Jumpstart Guide
• Get The Budget Bootcamp for FREE

Giovanna "Gigi" Gonzaléz, financial educator, influencer, founder of The First Gen Mentor, and author of the upcoming book, Cultura & Cash, joins the Journey to Launch podcast to discuss how she quit her 10 year corporate career in financial services to pursue her true passion: teaching financial literacy to young adults.

Giovanna teaches personal finance and career navigation at universities, companies, and on her TikTok account, @thefirstgenmentor. She was named Top 25 Creator by Fast Company, 40 under 40 by the Hispanic Alliance for Career Enhancement, and "Latinx to Watch" by Hispanic Executive Magazine.

We also talk about Gigi's hysterectomy, why money played a big role in her recovery, her immigrant upbringing, setting financial boundaries with loved ones, and more.

In this episode you'll learn more about:

• How Gigi went from paycheck-to-paycheck to personal finance educator, leader and viral social media influencer
• Why relocating to a different, lower cost of living city could be the secret ingredient to financial freedom
• The power of goal setting, dreaming big and knowing your why
• F-U funds, dealing with the inconsistency of entrepreneurship, giving yourself a timeline for success + more

Other Links Mentioned in episode:

• Check out Gigi's book Cultura and Cash
• Get The Budget Bootcamp for FREE
• Pre-order my new book, Your Journey to Financial Freedom and get access to FIRE STARTER Course for FREE
• Check out my personal website here.
• Join The Weekly Newsletter List
• Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!
• YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link.
• What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here!

Connect with Gigi:

• Website: TheFirstGenMentor.com
• Instagram:@GigiTheFirstGenMentor

Connect with me:

• Instagram: @Journeytolaunch
• Twitter: @JourneyToLaunch
• Facebook: @Journey To Launch
• Join the Private Facebook Group
• Join the Waitlist for My FI Course
• Get The Free Jumpstart Guide
• Get The Budget Bootcamp for FREE

Farnoosh Torabi, author and host of the award-winning podcast So Money, joins the Journey to Launch podcast to talk about her new book, "A Healthy State Of Panic: Follow Your Fears To Build Wealth, Crush Your Career And Win At Life."

Farnoosh is America's leading personal finance expert, hooked on helping you live your richest, most fulfilling life. She has been featured in the New York Times, Wall Street Journal, Time Magazine, Good Morning America, and more. So Money, her podcast of 9 years, has over 30 million downloads.

We chat about how Farnoosh's parents raised her to have a healthy state of panic and how it informs her perception of personal finance today, how fear can be a signal to move forward with your big goals, FOMO, and more.

In this episode you'll learn more about:

• Why we need to embrace fear instead of aim for the unrealistic characteristic of "fearless"
• The power of asking yourself, "What's the worst that can happen?" + moving through the consequences of not acting on those fears
• How identifying, in detail, what your fear is, can give you clear steps to change it
• What FOMO is, why it matters to your money, how the comparison game accelerates this feeling, Farnoosh's stand-up comedy career + more

Other Links Mentioned in episode:

• Listen to episode 71: The Business Of Money W/ Farnoosh Torabi
• Check out Farnoosh's book, A Healthy State of Panic
• Get The Budget Bootcamp for FREE
• Pre-order my new book, Your Journey to Financial Freedom and get access to FIRE STARTER Course for FREE
• Check out my personal website here.
• Join The Weekly Newsletter List
• Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!
• YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link.
• What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here!

Connect with Farnoosh:

• Website: FarnooshTorabi.com
• Instagram:@FarnooshTorabi
• Facebook: @FarnooshTorabi

Connect with me:

• Instagram: @Journeytolaunch
• Twitter: @JourneyToLaunch
• Facebook: @Journey To Launch
• Join the Private Facebook Group
• Join the Waitlist for My FI Course
• Get The Free Jumpstart Guide
• Get The Budget Bootcamp for FREE

Ellyce Fulmore, Canadian Queer and neurodivergent financial educator, joins the Journey to Launch podcast to talk about how she paid off high interest debt, ADHD and money, and her new book, "Keeping Finance Personal."

Ellyce is a full-time content creator and founder of Queerd Co., a financial literacy company. Her approach to finance goes beyond the conventional, focusing on the intersectionality of identities and lived experiences.

We also discuss the importance of understanding how dopamine operates in your neurodivergent brain, ADHD hacks to get better with money, what "Momentum Surfing" is, and how to figure out (and stick to) a budget process that works best for you.

In this episode you'll learn more about:

• Challenges people with neurodivergence experience with finance + how they can become better at money management
• The strategy behind Ellyce paying off debt and investing while on an inconsistent income
• Why becoming debt free isn't "the ultimate" goal for everyone
• Celebrating people's differences, the validity of self diagnosis, sticker boards + more

Other Links Mentioned in episode:

• Dopamenu with How to ADHD + Eric Tivers
• Get The Budget Bootcamp for FREE
• Pre-order my new book, Your Journey to Financial Freedom and get access to FIRE STARTER Course for FREE
• Check out my personal website here.
• Join The Weekly Newsletter List
• Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast!
• YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link.
• What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here!

Connect with Ellyce:

• Website: QueerdCo.com
• Instagram:@Ellyce.Fulmore
• Tik Tok:@QueerD.Co

Connect with me:

• Instagram: @Journeytolaunch
• Twitter: @JourneyToLaunch
• Facebook: @Journey To Launch
• Join the Private Facebook Group
• Join the Waitlist for My FI Course
• Get The Free Jumpstart Guide
• Get The Budget Bootcamp for FREE