Money and Mindset With Bright and Brian

In this episode of the Money and Mindset With Bright and Brian podcast, our hosts break down different types of debt, explore strategies for making payments, and share some mental tips that can help you stay out of debt in the first place. You’ll learn:

• How to distinguish between debts that depreciate and debts that can add value to your life

• Steps you can follow to pay down debt with confidence

• Why writing in a gratitude journal can help you avoid consumer debt

For more tools and resources, visit our collection of content on outsmarting debt. And if you want to hear more from Bright and Brian on dealing with debt stress and living with positivity, check out these past episodes:

• How to limit your stress about money and scary financial issues

• How to cure money anxiety

Tune in to learn:

• Whether money can actually buy happiness (the answer might surprise you)

• What your emotions can tell you about investing

• How you can talk to your loved ones about money

• How taking time to reflect can help you chart the future you want—in the new year and beyond

If you enjoyed the clips featured in Part Two and want to listen to those episodes in full, check out:

• Love and money: Are you financially compatible?

• The challenges of entrepreneurship and tips for starting out

• How to invest with confidence and overcome anxiety with Dr. Daniel Crosby

• Can money actually buy happiness?

• How self-reflection can help you achieve your financial goals with Valorie Burton

And if you missed Part One of our highlight reel, you could catch up here:

Revisiting some of our top financial wellness tips (Part 1)

This content does not constitute legal, tax, accounting, financial, investment, or mental health advice. You are encouraged to consult with competent legal, tax, accounting, financial investment, or mental health professionals based on your specific circumstances. We do not make any warranties as to accuracy or completeness of this information, do not endorse any third-party companies, products, or services described here, and take no liability for your use of this information.

In this episode of “Money and Mindset With Bright and Brian,” our hosts mark the third anniversary of the podcast by revisiting some of their favorite tips for boosting your personal finances and well-being, including:

• How to let go of the things you can’t control with your finances—and how to change the things you can

• Why automating your savings is one of the best ways to set yourself up for long-term success

• A psychological tip that can help you get fired up about going after your financial and personal goals

Plus, Bright and Brian share new reflections on how you can take more charge of your money this season.

If you enjoyed the clips featured here and want to go back and listen to those episodes in full, check out:

• Controlling what you can with your finances

• How your purpose can help guide you and your money decisions

• Money moves to make in your 20s and 30s

• How to help your kids be good with money

• How grit can help you achieve your goals (Pt. 2 with Caroline Adams Miller)

And keep an eye out for our next episode—Part 2 of this special look back—in which Bright and Brian will continue breaking down some of the top financial wellness tips from the first three years of the podcast.

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This content does not constitute legal, tax, accounting, financial, investment, or mental health advice. You are encouraged to consult with competent legal, tax, accounting, financial, investment, or mental health professionals based on your specific circumstances. We do not make any warranties as to accuracy or completeness of this information, do not endorse any third-party companies, products, or services described here, and take no liability for your use of this information.

In this episode of “Money and Mindset With Bright and Brian,” our hosts discuss ways to overcome the financial anxiety that many of us feel when we’re reviewing our financial situation or making money decisions that affect our future. Listen in to learn some strategies that can help you feel a little more fearless when it comes to money, including:

• The root psychological causes behind many common financial worries.

• Things you can do now to address specific financial fears.

• How an action plan can help you build long-term confidence

• Bonus: Bright and Brian may or may not give you a little inspiration for your next Halloween costume.

And if you’re looking to take a deeper dive into some of the topics addressed here, be sure to check out these past episodes:

• In “The psychology behind our money decisions,” Bright and Brian talk about the field of behavioral finance—which explores how our emotions can steer our behaviors with money.

• In “How to invest with confidence and overcome anxiety,” Dr. Daniel Crosby joins the show and shares some tips on how you can invest with confidence and prevent fear from driving your investing decisions.

In this episode of “Money and Mindset With Bright and Brian,” our hosts explore how money affects our friendships. They also share a few ways you can be a good friend when it comes to money, whether you’re splitting the check at dinner or deciding whether you can afford to attend a pricey out-of-town wedding.

Other tips you’ll get from this episode:

• Why your income shouldn’t affect who your friends are

• Whether it’s ever OK to lend money to a friend

• When it makes sense to bring up a money topic with a friend

Want to hear more about how money influences our relationships with other people? Be sure to check out these past episodes, too:

• In “Love and money: Are you financially compatible?” Bright and Brian explore how talking about money with your significant other can help build an even stronger partnership.

• “Your relationship with money (chances are, it’s complicated)” includes more tips on understanding your own feelings about money so you can communicate more effectively with the people in your life.

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This content does not constitute legal, tax, accounting, financial or investment advice. You are encouraged to consult with competent legal, tax, accounting, financial or investment professionals based on your specific circumstances. We do not make any warranties as to accuracy or completeness of this information, do not endorse any third-party companies, products, or services described here, and take no liability for your use of this information.

How do biases affect your financial decision-making—and are they always negative? What do buying tulips and investing fads like meme stocks have in common? Can emotions and money actually mix well together?

In this episode of “Money and Mindset With Bright and Brian,” our hosts answer these questions and more as we take a beginner’s dive into the field of behavioral finance—the study of how your brain and emotions influence your decisions around money habits like spending, saving, and investing.

Tune in to find out about:

• Common mental shortcuts that sometimes help us, but sometimes get us into trouble.

• Why you shouldn’t always follow the herd when it comes to money.

• How emotions and money can mix in a positive way.

This content does not constitute legal, tax, accounting, financial, or investment advice. You are encouraged to consult with competent legal, tax, accounting, financial, or investment professionals based on your specific circumstances. We do not make any warranties as to accuracy or completeness of this information, do not endorse any third-party companies, products, or services described here, and take no liability for your use of this information.

Investment and Insurance Products:

Are not FDIC or any other Government Agency Insured

Are not Bank Guaranteed

May Lose Value

Your purpose can help you live to your full potential. When you know your purpose, you know your “why”—and when you know your “why,” the “how” often starts to come into focus, too.

In this episode of “Money and Mindset With Bright and Brian,” our hosts will walk you through the steps of writing a personal purpose statement. Plus, they’ll share how your purpose can help you make good money decisions that support your goals and well-being.

Listen in to hear:

• Steps for creating your own personal purpose statement.

• How money can help support your purpose and values.

• Plus, Brian answers a listener question about investing in target-date funds!

The opinions expressed are solely those of Brian Ford and Bright Dickson.

This content does not constitute legal, tax, accounting, financial, or investment advice. You are encouraged to consult with competent legal, tax, accounting, financial, or investment professionals based on your specific circumstances. We do not make any warranties as to accuracy or completeness of this information, do not endorse any third-party companies, products, or services described here, and take no liability for your use of this information.

Diversification does not ensure against loss and does not assure a profit. Keep in mind that investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money.

Kam Phillips is the founder and executive director of TRUE Change Inc., a nonprofit that teaches teens and young adults about money and equips them with emotional wellness tools to prepare for real-world success.

In this episode of “Money and Mindset With Bright and Brian,” Kam joins our hosts to share how young people—and their parents—can have important, life-changing conversations about money.

Listen in to hear:

• Why finding a mentor can help you financially and emotionally.

• How to make informed decisions about taking on debt to pay for college.

• What “the power of firsts” can teach young people about money.

And be sure to check out our past episode “How to help your kids be good with money,” which has strategies for families with younger children.

This content does not constitute legal, tax, accounting, financial, investment, or mental health advice. You are encouraged to consult with competent legal, tax, accounting, financial, investment, or mental health professionals based on your specific circumstances. We do not make any warranties as to accuracy or completeness of this information, do not endorse any third-party companies, products, or services described here, and take no liability for your use of this information.

By making big cuts to spending and following an extreme saving and investing strategy, many people pursuing the FIRE movement look to retire as soon as possible—in their 50s, 40s, or even 30s.

Ben Appel, senior vice president of workplace financial wellness at Truist and a FIRE supporter himself, joins Bright and Brian to break it down. Whatever your retirement goals are, you’ll come away from this episode with important tips on securing your future and living in a way that makes sense for you.

Listen to hear:

• An explanation of key FIRE principles around investing and frugal living

• Strategies for balancing retirement plans with other life goals

• How to figure out whether FIRE is right for you

This content does not constitute legal, tax, accounting, financial, mental health, or investment advice. You are encouraged to consult with competent legal, tax, accounting, financial, or investment professionals based on your specific circumstances. We do not make any warranties as to accuracy or completeness of this information, do not endorse any third-party companies, products, or services described here, and take no liability for your use of this information.

Investment and Insurance Products:

Are not FDIC or any other Government Agency Insured

Are not Bank Guaranteed

May Lose Value

Taking time for self-care isn’t just good for your personal life. It can help you feel more engaged at work.

In this episode, Bright and Brian share tips to prevent burnout and enjoy better work-life harmony. Plus, our hosts break down the facts behind the “quiet quitting” trend and discuss how negativity bias can skew our financial decisions.

Tune in to hear:

• Why “quiet quitting” isn’t what many people think it is

• Tips for preventing burnout and getting more engaged with your work

• How to set boundaries that can help you find more joy in your career

To hear more from Bright and Brian on “job crafting,” check out this past episode:

How to find more joy in the work you’re doing