Life is Life!

Oftentimes, conversations about finances center around ways to slash or cut your budget. But what happens when you can't "cut" any more excess from your budget?

Luckily, there is no limit on how much money you can earn. While side hustles have increased in popularity as a way to add some cushion to the living paycheck-to-paycheck lifestyle, not everyone wants to "hustle" to earn a dollar for the rest of their life.

One way to earn a passive income is to write a book and earn royalties each time someone buys your book. But even great writers are doubtful a traditional book publisher will give them the time of day. Enter self-publishing.

How Much Does It Cost to Publish a Book? The cost of publishing a book varies greatly but self-published authors can expect to spend anywhere from $100-$1500 to publish a book based on additional book production costs like editing, cover design, formatting, and more

In the latest episode of the Talk Wealth To Me podcast, self-publishing author MK Williams joins us to share why she turned to self-publishing, tips, and tricks she's learned along the way, as well as just how successful she's been using this passive income method to date!

About our guest:
MK Williams writes suspenseful literary fiction for the contemporary reader. Her first novel, Nailbiters, is an apocalyptic science-fiction thriller that has kept audiences up all night since its debut in 2015. Her latest novel, Enemies of Peace, was featured on several podcasts and continues to garner interest from fans of literary fiction and cautionary tales of the American Dream gone awry.

MK's work in the personal finance space includes co-authoring The Fiology Workbook: Your Guide to Financial Independence and helping other prominent blogs and podcasts in the space bring their message to print. Williams' writing influences include a lifetime of watching suspenseful mysteries and action movies and reading Stephen King, Margaret Atwood, Ian McEwan, Lauren Beukes, and J.K. Rowling.

MK joined Chase, Felipe, and Katie for a discussion on how you can start self-publishing to earn a passive income, as well as some tips and tricks MK's learned about the industry in the last four years.

For more information on MK Williams or to purchase one of her books, visit her website, check out MK's informational YouTube channel, or check out her books on Amazon. 

Comments, questions or suggestions for the show? Email us at [email protected].

To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.

To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.

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The Average American has a savings balance of $16,420. With the cost of an average adoption at $43,239, how is a couple able to afford adoption?

Laura Coleman is a Tennessee-based Accredited Financial Counselor with a special niche - preparing couples financially for fertility and adoption. After experiencing firsthand the financial burden and stress that accompanies the fertility and adoption process, Laura felt called to start her blog, podcast and financial coaching practice: Family Money Coaching.

Laura joins Chase, Felipe, and Katie for a discussion on strategies real families use to avoid or at least minimize debt when trying to grow their family through adoption or IVF, as well as tips to keep emotional spending in check when an adoption or fertility treatment doesn't pan out the way you expected.

For more information on Laura Coleman, AFC, or debt-free fertility journeys, you can visit her website, listen to her podcast, or sign-up for Laura's upcoming 12-week course: Financially Preparing for Adoption. 

Comments, questions or suggestions for the show? Email us at [email protected].

To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.

To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.

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How many of you would love to find a financial opportunity that would allow you to travel the world for weeks at a time and have your mortgage payment completely covered each month without ever having to step foot into an office?

Dustin Heiner of MasterPassiveIncome.com has done exactly that and joins us in Episode 14 of #TalkWealthToMe to share how he managed to earn more than $8,000 each month in the form of passive income through his 30+ rental properties.

Dustin shares with Chase, Felipe, and Katie, just how he got started with real estate investing, shares tips on how to get started if you're interested in a similar passive income investment opportunity, and more!

Comments, questions or suggestions for the show? Email us at [email protected].

To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.

To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.

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Have you ever started off the New Year with credit card debt because of all the money you spent shopping for the Holidays? 

In Episode 13 of Talk Wealth To Me, San Diego Financial Literacy Center's (SDFLC) Community Outreach Director Chase Peckham, SDFLC Community Outreach Coordinator Felipe Arevalo, and DebtWave Credit Counseling's Content Writer Katie Utterback have a discussion about the benefits of financially planning for the Holidays as early as July! 

Comments, questions or suggestions for the show? Email us at [email protected].

To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.

To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.

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We're joined in Episode 12 of Talk Wealth To Me by Clint Proctor for a discussion on how Clint turned his freelance writing side hustle into a full-time career in just seven months! Clint shares tips on how to decide if a side hustle is right for you, as well as other lessons he's learned along the way.

About Clint:
Clint Proctor aka the Wallet Wise Guy spent 10 years as a pastor. Now, Clint blogs about personal finance topics on his blog, WalletWiseGuy.com. Clint is also a freelance writer covering personal finance topics for publications including Business Insider and Credit Karma.

Comments, questions or suggestions for the show? Email us at [email protected].

To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.

To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.

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We're joined in Episode 11 of Talk Wealth To Me by Ashley Patrick for a discussion on how she and her family were able to pay off $45,000 worth of debt in 17 short months!

About Ashley:
Ashley Patrick is a Ramsey Solutions Master Financial Coach and the brains behind BudgetsMadeEasy.com. A former police officer, Ashley helps families eliminate debt by using simple budgeting strategies so you can stress less and live the life you want. 

Comments, questions or suggestions for the show? Email us at [email protected].

To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.

To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.

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We're joined in Episode 010 of Talk Wealth To Me by Dan Hinz for a discussion on why engaged, newlywed, and married couples should talk about their finances, as well as tips on how to make those money conversations as easy as grocery shopping.

Dan mentioned a free gift for listeners of the Talk Wealth To Me podcast on the show. You can pick up a FREE copy of How to Talk About Money With Your Spouse: The Ultimate Guide by following this link.

About Dan:
Dan Hinz is the financial coach behind AdultingWithMoney.com. Dan is a graduate of Iowa State University holding a Master's degree in Business Administration with a focus on finance. Dan's 20,000+ word guide How to Talk About Money With Your Spouse: The Ultimate Guide teaches couples how to be on the same page with money by focusing on meaningful, lifelong habits, as well as some other helpful tips.

Comments, questions or suggestions for the show? Email us at [email protected].

Want to learn more about Dan Hinz? Visit his website AdultingWithMoney.com.

To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.

To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.

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We're joined in Episode 009 of Talk Wealth To Me by Leslie H. Tayne, Esq., for a discussion on ways single parents can lessen the expensive cost of childcare and camps during summer! Our conversation also includes some tips for having age-appropriate discussions with your children about budgeting and your financial situation.

Leslie H. Tayne, Esq. is an award-winning financial attorney and Author of Life & Debt. She has over 20 years of experience in consumer and business financial debt solutions which include negotiations with large international banks and credit agencies for loans, lines of credit, credit cards and student loans. Leslie is the founder and managing director of Tayne Law Group, P.C., a law firm headquartered in New York dedicated to debt resolutions. Leslie is frequently sought out for her expertise on financial, credit and debt topics and as a speaker, she regularly provides insight and strategies regarding all areas of debt and credit-related solutions.

Comments, questions or suggestions for the show? Email us at [email protected].

Want to learn more about Leslie Tayne, Esq? Visit her law firm, Tayne Law Group, or connect with Leslie on Facebook, Twitter, or Instagram.

To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.

To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.

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The crew of Talk Wealth To Me talks with Logan Allec, a CPA with a Masters in Taxation who began investing in real estate in his 20s. 

Logan is a frequent source on financial topics for news outlets including NBC News, MarketWatch, BankRate, HuffPost, USA Today, and U.S. News & World Report. Logan also has a website - MoneyDoneRight.com, where he helps people make better financial decisions by educating them on topics including making more money, saving more money, and growing their streams of passive income.

For many, real estate investments are uncharted territory. Unlike stocks and bonds — often called “standard assets” — real estate is considered an “alternative asset,” historically difficult to access and afford.

15% of Americans were investing in property outside their primary residence, according to a RealtyShares survey. What holds people back? The costs and skills needed to get started. Only 38% of those surveyed thought they’d actually be able to flip a house start to finish, and more than 80% of millennials wished that real estate investing was easier.

Comments, questions or suggestions for the show? Email us at [email protected].

Want to learn more about Logan Allec? Visit his website MoneyDoneRight.com.

To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.

To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.

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In our latest episode of #TalkWealthToMe, we chat with Walter Russell, a financial advisor and self-described Disney superfan on ways to make trips to Disney theme parks more affordable AND more enjoyable.

Walter Russell is a financial advisor who specializes in helping financially successful people achieve their most important goals that are aligned with their most deeply held values. He has been in the financial services industry for 20 years.

Comments, questions or suggestions for the show? Email us at [email protected].

Want to learn more about Walter Russell? Visit his Disney savings tips website, Follow the Orange Backpack or check out his financial firm services at Russell & Company. Walter also has a personal finance website geared toward women - SimpleMoneyTipsForWomen.com. You can follow Walter on Twitter, Facebook, or LinkedIn.

To learn more about DebtWave Credit Counseling, visit our website or connect with us on Facebook, Twitter, Instagram, and LinkedIn.

To learn more about the San Diego Financial Literacy Center, visit our website or connect with us on Facebook and Twitter.

Support the show