Journey To Launch

For every philosophy, belief, and attitude about money management, there is an underlying money story. Everything from the way that our parents dealt with money to our past financial struggles can have a huge effect on how comfortable we are when it comes to our finances.

Jen Hemphill, a Money Confidence Coach, AFC® (Accredited Financial Counselor) and host of the Her Money Matters Podcast, inspires women from all different walks of life to move beyond their money story and become confident in making sound decisions about their money. In her new book, 'Her Money Matters', she provides tips, tricks, and good practices to find your financial confidence and ensure that it stays.

In this episode we discuss:

• What inspired Jen to teach about the confidence behind finance
• How a scarcity mentality held her back from her financial goals
• Managing money expectations with your partner
• How to cultivate money confidence
• Ways to increase your financial confidence
• The importance of financial confidence check-ins
• How she became confident with money
• Jen's Book, 'Her Money Matters' and how her tips can help others reach their financial goals
• Money actions and skills
• The value of accountability and budgeting
• Budgeting based on where you are in your journey

At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018.

Other related blog posts/links mentioned in this episode:

• Abraham-Hicks Prosperity Game
• 7 Ways To Improve Your Financial Confidence Podcast Episode
• 'Her Money Matters' Book
• 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!
• Watch me on News12 Watch my latest segments on News12
• My One on One Money Coaching Services – Get my personalized 1on1 money coaching expertise to help you reach your financial goals
• YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with Jen on:

• JenHemphill.com
• Twitter
• Facebook

Connect with me:

• Journey To Launch Instagram
• Journey To Launch Twitter
• Journey To Launch Facebook Page
• Join the private Facebook Group

There a few things more inspirational than hearing about another family's real-life experience. Kiersten and Julien Saunders, the couple behind the finance blog, Rich and Regular, provide real-life inspiration to other couples and families on the journey to Financial Independence.

As marketing professionals, the Saunders used their income to aggressively eliminate their debt. Over the course of 5 years, they have been able to pay off more than $200,000 of consumer debt. More recently, they have paid off the mortgage on their home and they have added a new addition to the family, 11-month old Baby Bo. As lovers of life and travel, the Saunders are proof that the road to Financial Independence doesn't have to absent from the simple pleasures of life.

In this episode we discuss:

• How the Saunders started their FI journey
• The Steps that they took to save money and eliminate debt
• How visually mapping out their progress allowed them to stay focused on their financial goals
• Why they made the decision to pay off their mortgage
• How becoming parents has affected their FI journey
• Their goals for achieving financial independence
• How to manage workplace burnout with marriage and children and use it as motivation
• The flexibility within achieving financial independence
• The significance of still living a life you love while saving and preparing for the future
• Implementing planning days to plan for savings and budgeting
• The next steps for their blog, Rich and Regular

Check out the sponsor for this episode, YNAB and sign up for a free 2-month trial!

At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018.

• Other related blog posts/links mentioned in this episode

  • 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!
  • Watch me on News12 Watch my latest segments on News12
  • My One on One Money Coaching Services – Get my personalized 1on1 money coaching expertise to help you reach your financial goals
  • YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

  Connect with The Saunders on:

  • RichandRegular.com
  • Instagram
  • Twitter
  • Facebook

  Connect with me:

  • Journey To Launch Instagram
  • Journey To Launch Twitter
  • Journey To Launch Facebook Page
  • Join the private Facebook Group

Is it possible to "have it all" and still be happy, better yet sane? Join me in today's solo episode where I am discussing how I balancing my pregnancy, motherhood, growing my business and everything in between.

Specifically, I discuss:

• Being pregnant and attempting to juggle it all
• The importance of my support system and why you too should build up your relationship currency
• Becoming a mom of 3 kids and how we plan to save on kid-related expenses
• Ways in which you can take more control of your life
• Plans for Journey To Launch while on maternity leave

I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018.

Other related blog posts/links mentioned in this episode:

• 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!
• Watch me on News12 Watch my latest segments on News12
• My One on One Money Coaching Services – Get my personalized 1on1 money coaching expertise to help you reach your financial goals
• YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with me:

• Jamila Souffrant on Instagram
• Journey To Launch Instagram
• Journey To Launch Twitter
• Journey To Launch Facebook Page
• Join the private Facebook Group

There are many factors to consider on the journey to becoming wealthy but shifting your mindset is by far one of the most important. Several studies show that psychological factors have a tremendous effect on our behaviors, habits, and our ability to adapt to new circumstances.

Jim Fortin, the Subconscious Selling & High-Performance Expert, knows and understands what it means to shift your internal dominant thoughts to manifest the wealthy lifestyle that you desire. As a former foreign exchange day trader that fell on hard times, Jim is no stranger to poverty and the scarcity mindset. After losing nearly $1 million in one night, he sought after knowledge that went beyond motivational teachings such as hypnosis and Neuro-Linguistic Programming (NLP) which highlighted the power of the mind.

Through the inspiration of his brother-in-law, a spiritualist, Jim has adopted the mindset that wealth starts in the mind. This is the premise behind his teachings and the knowledge that he shares with us on the show:

In this episode we discuss:

• The Be, Do, Have Model
• How having a scarcity mindset can be counterproductive while building wealth
• Why Effort does not necessarily make you more money
• Why your dominant thoughts are directly related to wealth
• Changing your identity in relation to money
• The Law of Attraction
• How happiness relates to abundance
• How Internal, Mindset Changes can affect your Income
• Why Gratitude and Giving Helped Jim to Become Wealthy

At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018.

(YNAB, my favorite budgeting app is giving Journeyers a 2-month free trial, no credit card required to try their amazing budgeting system, check it out here!)

Other related blog posts/links mentioned in this episode:

• The Complete Works of Florence Scovel Shinn
• Jim's 20-Minute Training on Habits
• JimFortin.com
• 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!
• Watch me on News12 Watch my latest segments on News12
• My One on One Money Coaching Services – Get my personalized 1on1 money coaching expertise to help you reach your financial goals
• YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with Jim on:

• JimFortin.com
• Facebook
• Twitter

Connect with me:

• Journey To Launch Instagram
• Journey To Launch Twitter
• Journey To Launch Facebook Page
• Join the private Facebook Group

The Health Savings Account, introduced in the early 2000's, has proved to be the ultimate retirement and investment account–particularly for those on the road to early retirement. Certified Educator in Personal Finance (CEPF®) and Health Saving Account (HSA) expert, Jackie Cummings Koski, joins us on the show to discuss everything from how to obtain an HSA account to how to invest the money that you contribute.

As one of 6 children raised by a single father, Jackie knows firsthand what it means to struggle financially. As a result, she made educating herself about finances and investing her personal mission. From the knowledge that she acquired, she wrote her book "Money Letters 2 My Daughter" as a way to educate her then 14-year-old daughter on what it means to be financially savvy. Today, Jackie has grown her HSA account to more than $100,000 as is on track to retire early in her 40's.

In this episode we discuss:

• The definition and benefits of the Health Savings Account (HSA)
• How to enroll in an insurance plan with an HSA
• Things to consider when enrolling in an insurance plan
• When to consider enrolling in a traditional plan vs. a high-deductible plan
• Annual contribution guidelines
• How and when to access the money within your HSA
• Shopping around for the right provider
• Inheritance of an HSA account
• The expenses that you can use HSA money for (qualifying reimbursements)
• Jackie's early retirement plan

At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018.

(YNAB, my favorite budgeting app is giving Journeyers a 2-month free trial, no credit card required to try their amazing budgeting system, check it out here!)

• Other related blog posts/links mentioned in this episode:

  • Jackie's book "Money Letters 2 My Daughter"
  • IRS Publication 969, Health Savings Accounts and Other Tax-Favored Health Plans
  • IRS Publication 502, Medical and Dental Expenses
  • 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!
  • Watch me on News12 Watch my latest segments on News12
  • My One on One Money Coaching Services – Get my personalized 1on1 money coaching expertise to help you reach your financial goals
  • YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

  Connect with Vicki on:

  • Moneyletters2.com
  • Facebook
  • Twitter

  Connect with me:

  • Journey To Launch Instagram
  • Journey To Launch Twitter
  • Journey To Launch Facebook Page
  • Join the private Facebook Group

Vicki Robins, the co-author of the very popular book, "Your Money or Your Life" has been one of the most influential visionaries of the Financial Independence movement.

In the late 1960's, with the advice of the late Joe Dominguez, Vicki reached Financial Independence and together they began to teach their revolutionary methods all over the nation. Their workshops featured the famous 9 steps to reach Financial Independence and eventually, Vicki and Joe were approached to turn their teachings into the book that we know today, "Your Money or Your Life".

The book went on to be wildly popular, encouraging people to fight against the weight of consumerism and become a New York Times bestseller. Vicki also made two appearances on the Oprah Show with Oprah declaring that the book "would change your life". More than 25 years later, Vicki has written an updated version of the book for a new generation of people on the path to Financial Independence.

I'm so honored to have Vicki on the show to discuss:

• How Vicki met the late co-author Joe Dominguez and how they worked to create the Financial Independence movement
• How their book "Your Money or Your Life" came to fruition and became popular.
• Why Vicki set out to create an updated version of the book
• The importance of relationships and how they create community wealth
• Why "freeing your mind" is the cornerstone of Financial Independence
• The definition of the "Enough Point"
• How to calculate your life energy and true hourly wage
• What Vicki believes to be the most transformational steps of the 9 steps from the book
• How Vicki believes the new version of "Your Money or Your Life" will impact the world in this new age
• The bigger picture of systemic barriers in the United States that make achieving Financial Independence more difficult

Also, find out how you can be one of 3 Journeyers, to win a free copy of the updated book, "Your Money or Your Life". Click here for your chance to win!

At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018.

(YNAB, my favorite budgeting app is giving Journeyers a 2-month free trial, no credit card required to try their amazing budgeting system, check it out here!)

Other related blog posts/links mentioned in this episode:

• Life Energy Calculator
• How We Saved $169,000 in 2 Years With the Help of This Budgeting System
• 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!
• Watch me on News12 Watch my latest segments on News12
• My One on One Money Coaching Services – Get my personalized 1on1 money coaching expertise to help you reach your financial goals
• YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

Connect with Vicki on:

• VickiRobin.com
• YourMoneyOrYourLife.com

Connect with me:

• Journey To Launch Instagram
• Journey To Launch Twitter
• Journey To Launch Facebook Page
• Join the private Facebook Group

Shane Mason, CPA/PFS, CPF, is a New York-based accountant, financial planner, and all-around tax wizard that joins the show this week to discuss the one topic that has many Americans baffled: taxes. He specializes in accounting, tax preparation and financial planning services for small and medium business owners, creatives, tech professionals, expatriates and foreign nationals living in the US. Shane and I crossed paths during my search for the assistance of a new tax professional and we are delighted to have his expertise on the show to unravel tax law and what it means for everyone on the journey to Financial Independence.

In this episode, we talk about:

• Why we have to pay taxes
• Why you should consider hiring a tax professional
• How tax refunds work
• Why a large tax refund isn't necessarily a great thing
• Common mistakes made when filing taxes
• Amending a tax return
• Determining the right investment account for your income
• Factors to consider when determining where to invest first
• The new tax law changes and how they affect you

At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018.

(YNAB, my favorite budgeting app is giving Journeyers a 2-month free trial, no credit card required to try their amazing budgeting system, check it out here!)

• Other related blog posts/links mentioned in this episode:

  • 3 Questions To Ask Before Spending Your Tax Refund
  • Why You Shouldn't Want A Tax Refund
  • IRS Withholding Calculator
  • Sign up for Credit Sesame using my affiliate link and get your free credit report and other resources to help you monitor and improve your credit
  • How We Saved $169,000 in 2 Years With the Help of This Budgeting System
  • 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!
  • Watch me on News12 Watch my latest segments on News12
  • My One on One Money Coaching Services – Get my personalized 1on1 money coaching expertise to help you reach your financial goals
  • YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

  Connect with Shane on:

  • ShaneMasonCpa.com

  Connect with me:

  • Journey To Launch Instagram
  • Journey To Launch Twitter
  • Journey To Launch Facebook Page
  • Join the private Facebook Group

When it comes to building wealth, credit can be a key component in helping you to achieve your financial goals. Credit expert, Shante Harris, joins us on the show to talk about everything from credit scores, credit reporting, and even credit card utilization. A Maryland native, Shante shares an incredible story of triumph in which she survived cancer, becoming a mother of a child with autism, divorce and even homelessness.

Throughout her times of adversity, Shante gained the experience of bouncing back from credit card debt and becoming an expert in transforming not-so-perfect credit. Today, she leads a Facebook group of more than 58,000 members where she shares her expertise and inspires others to work toward their credit goals. She is also the founder of the non-profit organization, F.A.C.E. (Facing Autism with Children Everywhere).

Sign up for Credit Sesame using my affiliate link and get your free credit report and other resources to help you with your credit.

In this episode, we talk about:

• Why credit is important
• How credit works
• The 5 components of a credit score
• The importance of the average age of accounts
• How travel hacking can affect your score
• Vantage scores vs. FICO
• How student loans affect your credit
• How employers check credit scores and other financial information
• Tips for paying off your credit card balance

At the end of the podcast, I announced the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018.

(YNAB, my favorite budgeting app is giving Journeyers a 2-month free trial, no credit card required to try their amazing budgeting system, check it out here!)

• Other related blog posts/links mentioned in this episode:

  • Your Financial Common Cents Facebook Group
  • Annualcreditreport.com
  • Sign up for Credit Sesame using my affiliate link and get your free credit report and other resources to help you with your credit
  • How We Saved $169,000 in 2 Years With the Help of This Budgeting System
  • 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!
  • Watch me on News12 Watch my latest segments on News12
  • My One on One Money Coaching Services – Get my personalized 1on1 money coaching expertise to help you reach your financial goals
  • YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

  Connect with Shante on:

  • Facebook
  • Instagram
  • Financial Common Sense
  • [email protected]

  Connect with me:

  • Journey To Launch Instagram
  • Journey To Launch Twitter
  • Journey To Launch Facebook Page
  • Join the private Facebook Group

Student loan debt is one of the biggest concerns of college graduates in America. Robert Farrington, the Student Loan Debt Expert, is helping readers from all over the nation to better understand the process of student loan repayment with his blog, The College Investor.

Robert was always passionate about investing and making money but when he identified a need amongst his peers to share more about student loans, he changed the course of his finance blog to educate borrowers. Robert was able to pay off more than $42,000 in student loan debt over the course of 3 years and he's sharing his methods with college grads all over the nation to encourage them to do the same. In fact, this month, he is working with others in the financial influencer community to inspire followers to collectively pay off $1 million or more of student loan debt. You can find more information about this movement in the links below.

(Also, YNAB, my favorite budgeting app is giving Journeyers a 2-month free trial, no credit card required to try their amazing budgeting system, check it out here!)

In this episode, we talk about:

• The significance of paying an additional $100 on student loan debt
• How earning more income is key to getting rid of debt
• The importance of investing in your future while paying on student loan debt
• Federal loan repayment and debt forgiveness programs
• Student loan consolidation vs. refinancing
• When it is appropriate to only make minimum payments and when to make extra payments
• Things to consider while applying for student loans

• Other related blog posts/links mentioned in this episode:

  • Join the Student Loan Debt Movement
  • The College Investor's Email Course for Journeyers
  • Studentloan.gov
  • Public Service Loan Forgiveness Program Info
  • How We Saved $169,000 in 2 Years With the Help of This Budgeting System
  • 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!
  • Watch me on News12 Watch my latest segments on News12
  • My One on One Money Coaching Services – Get my personalized 1on1 money coaching expertise to help you reach your financial goals
  • YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link.

  Connect with Robert on:

  • Twitter
  • Facebook
  • Instagram
  • The College Investor

  Connect with me:

  • Journey To Launch Instagram
  • Journey To Launch Twitter
  • Journey To Launch Facebook Page
  • Join the private Facebook Group