Oh My Dollar!

How American expats can avoid paying US taxes (it’s not easy); what sort of benefits you should look for in a job offer;

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Listener questions: What’s a Roth 401K and who should use it?… What should I financially prepare for if I want to go freelance?… When does it make sense to incorporate as a freelancer?… and How to budget when life is chaotic!

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You’ve got a tax refund! Now what should you do with it? Lillian & Will also cover strategies for reducing your taxes when your income comes in the form of self-employed 1099 income.

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A water cooler episode where we discuss some tips on raising your credit score (if you need/want to) and how much money Lillian has saved by quitting drinking.

Lillian’s monthly expenses reports: http://anomalily.net/category/monthly-expense-reports/

Check out creditkarma.com to find a card you’ll likely to qualify for if you are thinking about applying for a card.

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Listener Lola asks about how to plan for her future when she has six figures of college debt she’ll never be able to pay off. Lillian asks her to challenge her assumptions and start hating the debt.

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Lillian compares compound interest to bunnies, explains how she saved for retirement even when making $800/month – and the wonders of the Saver’s Credit – which gives you money back to save for retirement!

If you’d like to learn more about the Saver’s Credit, check out this step-by-step on it and find out if you qualify.

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From the radio vaults, we bring you a short episode about the #1 most important thing in your budget: your values. You can’t avoid looking at your budget without considering your values – no one else’s budget will work for you.

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Budgeting- many people think budget is a scary word – that it implies extreme frugality, being broke, or some sort of deprivation. But most folks that are on top of their money – in fact, the average millionaire – have said  a budget is the #1 key to getting control of their money. Here’s how to get past the hard part of budgeting & create a budget, spending plan, or Money-fantastic-glitter-outline – whatever you need to call it to embrace budgeting.

Download your free budgeting quickstart here: http://ohmydollar.com/budget/

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Some budgeting software:

Youneedabudget or YNAB – https://www.youneedabudget.com/

Mint – http://www.mint.com

Learnvest: http:/www.learnvest.com

Level Money: https://www.levelmoney.com/

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Sometimes the most frustrating part of money is that building wealth is a marathon, not a sprint. We talk about the “hard middle” of working towards a big goal- where you’re making progress but it seems slow, and the end payoff seems far off. So we ask some people around the XRAY FM studio about how they worked on their goals.

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Many people think that if they’ve achieved a great credit score, they’re done, they have it all figured out and they’re financially well. That’s simply not true – a credit score is not a measure of financial well being. Lillian talks about the myths around credit scores – and what it really does. We also talk a little about why credit scores exist (initially, to make banking system less racist and sexist.)

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