We took our 5-year-old daughter on a surprise solo birthday trip to Disneyland, which was a core childhood memory for both of us when we were growing up. We planned and saved for the trip over the course of a year, utilizing sinking funds and our high-yield savings account. The cost of the trip ended up being significantly more than we originally estimated and planned for. We dive into a complete cost breakdown of our trip during this episode, along with sharing our experience of working with a travel agent for the first time. If you’re interested in taking a vacation to Disney soon, give this episode a listen so you can plan better than we did! 

In this episode, we chat about:

• Sinking funds and high-yield savings accounts

• Utilizing a travel agent

• Full cost breakdown of our trip

MENTIONED IN THIS EPISODE:

• Crew Bank 

• Empowered Money Academy

• Connect with our travel agent, Katie Lynn Reynolds with Travelmation

• Mention us for discounted planning fees

ABOUT PRICE OF AVOCADO TOAST:

Listen in with Haley and Justin Brown-Woods, married millennials picking up the pieces from the financial fiasco they created as a young couple. 

They want to normalize conversations about money and learn from others on the path towards financial empowerment. Whether you are just getting started on your debt-free journey, or if you are really starting to hit your stride, this podcast is for YOU! 

Join weekly as they interview some others who have done it the right way, the wrong way, and every way in between. Avocado toast may cost a pretty penny, but that doesn't mean it can't be in your budget!

FIND HALEY AND JUSTIN ONLINE + SOCIAL MEDIA HERE:

• Join Empowered Money Academy

• priceofavocadotoast.com

• Price of Avocado Toast Instagram

• Price of Avocado Toast Twitter

• Price of Avocado Toast Threads

• Price of Avocado Toast on TikTok

• Price of Avocado Toast Facebook

• Join the Price of Avocado Toast Newsletter

OTHER LINKS:

• Apply for 1:1 Coaching With Haley & Justin

• Schedule a Budget Builder call with Haley & Justin

• Price of Avocado Toast customizable 12 month budgeting template

RECOGNITION:

• Audio engineer: Garrett Davis

*Some links in these show notes are affiliate links, meaning POAT might earn a commission if you make a purchase, at no extra cost to you. Your support helps us to continue educating this amazing community with free and accessible resources.*

Today's episode is with best selling author Ellyce Fulmore. Ellyce comes on to share practical advice for managing ADHD and your money. You’ll hear some common tendencies for people with ADHD and strategies to help make money more fun. You’ll also hear about Ellyce's best selling book and its aim to help remove shame from the everyday person. Enjoy!  

In this episode, we chat about:

• Common ADHD tendencies

• Overcoming a bootstraps mentality

• Navigating where shame gets placed

CONNECT WITH TODAY’S GUEST: 

Today’s guest is Ellyce Fulmore, a queer and neurodivergent financial educator, content creator, best-selling author, and the founder of Queerd Co. Her approach to personal finance goes beyond the conventional, focusing on the intersectionality of identities and lived experiences. Ellyce is passionate about helping her online community of over half a million find the right tools, strategies, and perspective to create a life where financial stability and joy coexist. 

• Instagram @ellyce.fulmore

• TikTok @queerd.co

• Dopamine Dollars Podcast

• Keeping Finance Personal Book

• https://queerdco.com/

ABOUT PRICE OF AVOCADO TOAST:

Listen in with Haley and Justin Brown-Woods, married millennials picking up the pieces from the financial fiasco they created as a young couple. 

They want to normalize conversations about money and learn from others on the path towards financial empowerment. Whether you are just getting started on your debt-free journey, or if you are really starting to hit your stride, this podcast is for YOU! 

Join weekly as they interview some others who have done it the right way, the wrong way, and every way in between. Avocado toast may cost a pretty penny, but that doesn't mean it can't be in your budget!

FIND HALEY AND JUSTIN ONLINE + SOCIAL MEDIA HERE:

• priceofavocadotoast.com

• Price of Avocado Toast Instagram

• Price of Avocado Toast Twitter

• Price of Avocado Toast Threads

• Price of Avocado Toast on TikTok

• Price of Avocado Toast Facebook

• Join the Price of Avocado Toast Newsletter

OTHER LINKS:

• Apply for 1:1 Coaching With Haley & Justin

• Schedule a Budget Builder call with Haley & Justin

• Price of Avocado Toast customizable 12 month budgeting template

RECOGNITION:

• Audio engineer: Garrett Davis

On today’s episode we have everyone's favorite frugal friends Jen and Jill back on to talk about their upcoming book “Buy What You Love Without Going Broke”. Jen and Jill share about the process of writing a book and some of the key parts they’re most proud of. This book is a value-based spending gold mine, so we’re thrilled they are on to share with our listeners about this incredible work. Stick around to the end to hear about the famous POAT book giveaway!

In this episode, we chat about:

• Consumerism labels

• Value-based spending keys

• Contentment over complacency

MENTIONED IN THIS EPISODE:

• Empowered Money Academy

• Episode 77: our first interview with Frugal Friends

CONNECT WITH TODAY’S GUEST: 

Jen Smith & Jill Sirianni are co-hosts of the top-rated Frugal Friends Podcast. With over 400 episodes and almost 7 million downloads, Frugal Friends is changing the way the world thinks about frugality. Jen Smith is a personal finance expert who, along with her husband, paid off $78,000 of debt in two years while facing unemployment and buying a house. Jill is a licensed clinical social worker who enjoys exploring the connections between our money behaviors and mental health. Together they’re helping people become better stewards of their money, time, space, and natural resources.

• www.frugalfriendspodcast.com  

• Order Buy What You Love Without Going Broke 

• Instagram @frugalfriendspodcast

ABOUT PRICE OF AVOCADO TOAST:

Listen in with Haley and Justin Brown-Woods, married millennials picking up the pieces from the financial fiasco they created as a young couple. 

They want to normalize conversations about money and learn from others on the path towards financial empowerment. Whether you are just getting started on your debt-free journey, or if you are really starting to hit your stride, this podcast is for YOU! 

Join weekly as they interview some others who have done it the right way, the wrong way, and every way in between. Avocado toast may cost a pretty penny, but that doesn't mean it can't be in your budget!

FIND HALEY AND JUSTIN ONLINE + SOCIAL MEDIA HERE:

• Join Empowered Money Academy

• priceofavocadotoast.com

• Price of Avocado Toast Instagram

• Price of Avocado Toast Twitter

• Price of Avocado Toast Threads

• Price of Avocado Toast on TikTok

• Price of Avocado Toast Facebook

• Join the Price of Avocado Toast Newsletter

OTHER LINKS:

• Apply for 1:1 Coaching With Haley & Justin

• Schedule a Budget Builder call with Haley & Justin

• Price of Avocado Toast customizable 12 month budgeting template

RECOGNITION:

• Audio engineer: Garrett Davis

Today’s episode is our 3-step guide on how to start to tackle your debt when you can’t raise your income. Many folks don’t have the means or time resources to pick up a second job, so here are some actionable steps to start managing your debt. You’ll hear 3 easy tips that you can implement to begin paying down your debt and freeing up some wiggle room in your budget. Enjoy!

In this episode, we chat about:

• Shifting your credit card usage 

• Selling items around your house that don’t bring you joy

• The importance of tracking your expenses

MENTIONED IN THIS EPISODE:

• https://priceofavocadotoast.com/

• Our Budgeting Template and Tracking System 

ABOUT PRICE OF AVOCADO TOAST:

Listen in with Haley and Justin Brown-Woods, married millennials picking up the pieces from the financial fiasco they created as a young couple. 

They want to normalize conversations about money and learn from others on the path towards financial empowerment. Whether you are just getting started on your debt-free journey, or if you are really starting to hit your stride, this podcast is for YOU! 

Join weekly as they interview some others who have done it the right way, the wrong way, and every way in between. Avocado toast may cost a pretty penny, but that doesn't mean it can't be in your budget!

FIND HALEY AND JUSTIN ONLINE + SOCIAL MEDIA HERE:

• Join Empowered Money Academy

• priceofavocadotoast.com

• Price of Avocado Toast Instagram

• Price of Avocado Toast Twitter

• Price of Avocado Toast Threads

• Price of Avocado Toast on TikTok

• Price of Avocado Toast Facebook

• Join the Price of Avocado Toast Newsletter

OTHER LINKS:

• Apply for 1:1 Coaching With Haley & Justin

• Schedule a Budget Builder call with Haley & Justin

• Price of Avocado Toast customizable 12 month budgeting template

RECOGNITION:

• Audio engineer: Garrett Davis

On today's episode we have sustainable finance educator & author Kara Perez. Kara joins us to share about the intersection of sustainability and finances, and gives the listeners some support and guidance on a way to a more sustainable financial future. Our interview emphasizes the importance of approaching sustainable choices with empathy and invitation, rather than shame or guilt and the ability for small actions to make a significant impact. Kara’s book, Green Money is going to hit bookstores on November 27th, 2024 and will help you feel empowered to do good for the Earth and your money. Stick around to the end to make sure you hear about our book giveaway! 

In this episode, we chat about:

• Sustainability in finances

• Small choices to take action

• Green Money and community 

MENTIONED IN THIS EPISODE:

• Inflation Reduction Act

• Trees Charlotte

• Citizens' Climate Lobby 

• Empowered Money Academy

CONNECT WITH TODAY’S GUEST: 

Today’s guest is Kara Perez, the founder of Bravely Go, a sustainability focused financial education company. Bravely focuses on bringing actionable, intersectional and accessible financial education to people who never learned the language of money. She is the author of the brand new book, Green Money, which will be available in bookstores everywhere on November 27th! Here’s our chat with Kara Perez!

• Order Green Money today!

• Instagram @webravelygo 

• Twitter/X @bravelygo 

• We Bravely Go on Facebook  

• We Bravely Go on Tiktok

• https://bravelygo.co/ 

• [email protected] 

ABOUT PRICE OF AVOCADO TOAST:

Listen in with Haley and Justin Brown-Woods, married millennials picking up the pieces from the financial fiasco they created as a young couple. 

They want to normalize conversations about money and learn from others on the path towards financial empowerment. Whether you are just getting started on your debt-free journey, or if you are really starting to hit your stride, this podcast is for YOU! 

Join weekly as they interview some others who have done it the right way, the wrong way, and every way in between. Avocado toast may cost a pretty penny, but that doesn't mean it can't be in your budget!

FIND HALEY AND JUSTIN ONLINE + SOCIAL MEDIA HERE:

• Join Empowered Money Academy

• priceofavocadotoast.com

• Price of Avocado Toast Instagram

• Price of Avocado Toast Twitter

• Price of Avocado Toast Threads

• Price of Avocado Toast on TikTok

• Price of Avocado Toast Facebook

• Join the Price of Avocado Toast Newsletter

OTHER LINKS:

• Apply for 1:1 Coaching With Haley & Justin

• Schedule a Budget Builder call with Haley & Justin

• Price of Avocado Toast customizable 12 month budgeting template

RECOGNITION:

• Audio engineer: Garrett Davis

Today is episode 200 of Price of Avocado Toast! What a wild journey! Thank you everyone for all of your support the last five seasons. Today we’re debunking 6 common misconceptions about debt. We take on some of the big phrases you’ve heard and share why we don’t agree with some of these stances. We want you to know you have value and worth to this world outside of your debt, so fighting these misconceptions is priority number one as we heal our mindset around debt. Enjoy!

In this episode, we chat about:

• Debt vs. Leverage

• Good Debt? Bad Debt?

• Do I have to do this alone?

MENTIONED IN THIS EPISODE:

• Empowered Money Academy

ABOUT PRICE OF AVOCADO TOAST:

Listen in with Haley and Justin Brown-Woods, married millennials picking up the pieces from the financial fiasco they created as a young couple. 

They want to normalize conversations about money and learn from others on the path towards financial empowerment. Whether you are just getting started on your debt-free journey, or if you are really starting to hit your stride, this podcast is for YOU! 

Join weekly as they interview some others who have done it the right way, the wrong way, and every way in between. Avocado toast may cost a pretty penny, but that doesn't mean it can't be in your budget!

FIND HALEY AND JUSTIN ONLINE + SOCIAL MEDIA HERE:

• Join Empowered Money Academy

• priceofavocadotoast.com

• Price of Avocado Toast Instagram

• Price of Avocado Toast Twitter

• Price of Avocado Toast Threads

• Price of Avocado Toast on TikTok

• Price of Avocado Toast Facebook

• Join the Price of Avocado Toast Newsletter

OTHER LINKS:

• Apply for 1:1 Coaching With Haley & Justin

• Schedule a Budget Builder call with Haley & Justin

• Price of Avocado Toast customizable 12 month budgeting template

RECOGNITION:

• Audio engineer: Garrett Davis

In today's episode, we discuss and debate some common trends in personal finance. From buy now pay later to stocks for gifts we share whether we are yay or nay with the times. Listen along and let us know which ones we got right and which ones we got way wrong! Enjoy!

In this episode, we chat about:

• Buy Now Pay Later

• Meal Kit Services

• Cash as a gift for Wedding

MENTIONED IN THIS EPISODE:

• Honey price checker

• Acorns

• Rakuten

• Empowered Money Academy

ABOUT PRICE OF AVOCADO TOAST:

Listen in with Haley and Justin Brown-Woods, married millennials picking up the pieces from the financial fiasco they created as a young couple. 

They want to normalize conversations about money and learn from others on the path towards financial empowerment. Whether you are just getting started on your debt-free journey, or if you are really starting to hit your stride, this podcast is for YOU! 

Join weekly as they interview some others who have done it the right way, the wrong way, and every way in between. Avocado toast may cost a pretty penny, but that doesn't mean it can't be in your budget!

FIND HALEY AND JUSTIN ONLINE + SOCIAL MEDIA HERE:

• Join Empowered Money Academy

• priceofavocadotoast.com

• Price of Avocado Toast Instagram

• Price of Avocado Toast Twitter

• Price of Avocado Toast Threads

• Price of Avocado Toast on TikTok

• Price of Avocado Toast Facebook

• Join the Price of Avocado Toast Newsletter

OTHER LINKS:

• Apply for 1:1 Coaching With Haley & Justin

• Schedule a Budget Builder call with Haley & Justin

• Price of Avocado Toast customizable 12 month budgeting template

RECOGNITION:

• Audio engineer: Garrett Davis

Today’s guests are siblings Israel and Sunem Tovar from the Money Noticias podcast. Their story of first-generation living brings a unique voice to the personal finance space. They share the money narrative prevalent in their community and the ways they are helping to break down systemic barriers to equal access to financial education. You’ll feel empowered to uplift and honor all voices in the personal finance space after listening to this one. Enjoy!

In this episode, we chat about:

• Equal access to money education

• Navigating historically underserved spaces

• Bridging the mistrust of money and comfort

CONNECT WITH TODAY’S GUEST: 

• Podcast: Money Noticias Podcast

• Instagram

• https://moneynoticiaspodcast.com/

• Coaching with Israel & Sunem

ABOUT PRICE OF AVOCADO TOAST:

Listen in with Haley and Justin Brown-Woods, married millennials picking up the pieces from the financial fiasco they created as a young couple. 

They want to normalize conversations about money and learn from others on the path towards financial empowerment. Whether you are just getting started on your debt-free journey, or if you are really starting to hit your stride, this podcast is for YOU! 

Join weekly as they interview some others who have done it the right way, the wrong way, and every way in between. Avocado toast may cost a pretty penny, but that doesn't mean it can't be in your budget!

FIND HALEY AND JUSTIN ONLINE + SOCIAL MEDIA HERE:

• priceofavocadotoast.com

• Price of Avocado Toast Instagram

• Price of Avocado Toast Twitter

• Price of Avocado Toast Threads

• Price of Avocado Toast on TikTok

• Price of Avocado Toast Facebook

• Join the Price of Avocado Toast Newsletter

OTHER LINKS:

• Apply for 1:1 Coaching With Haley & Justin

• Schedule a Budget Builder call with Haley & Justin

• Price of Avocado Toast customizable 12 month budgeting template

RECOGNITION:

Audio engineer: Garrett Davis

Today's guest is Allison Baggerly from Inspired Budget. Allison is a fellow former teacher who realized that the dream life she was desiring was right at her fingertips. After she and her husband managed to tackle their debt payoff journey, Allison began to support others on the path toward financial empowerment. She has now coached hundreds of folks to pay off their debt and build a budget they can be inspired by! Enjoy!

In this episode, we chat about:

• Paying off debt as newlyweds

• Making sacrifices on the journey

• Building a career you feel proud of

MENTIONED IN THIS EPISODE:

• Money Made Easy by Allison Baggerly

CONNECT WITH TODAY’S GUEST: 

Allison Baggerly is an author, podcast host, and founder of Inspired Budget. Her book, Money Made Easy, inspires readers to find a balance between enjoying their life and reaching their financial goals. As a teacher and small business owner, Allison combined her passion for teaching and finances to help others learn how to start budgeting.

Allison and her husband paid off over $111K of debt on 2 teacher salaries while growing their family. Since starting Inspired Budget in 2017, Allison has been able to retire as a teacher and take her desire to help others full-time. Now she is helping women all over the world get started with budgeting when they feel lost and overwhelmed.

Allison has built a community that turn to her for budgeting advice and inspiration to save more than they ever imagined! She also hosts classes on budgeting, saving money, and paying off debt. She loves teaching others how to take back control of their money.

• Instagram @inspiredbudget

• Tiktok @inspiredbudget

• Inspired Budget Podcast

• Money Made Easy by Allison Baggerly

• https://inspiredbudget.com/ 

ABOUT PRICE OF AVOCADO TOAST:

Listen in with Haley and Justin Brown-Woods, married millennials picking up the pieces from the financial fiasco they created as a young couple. 

They want to normalize conversations about money and learn from others on the path towards financial empowerment. Whether you are just getting started on your debt-free journey, or if you are really starting to hit your stride, this podcast is for YOU! 

Join weekly as they interview some others who have done it the right way, the wrong way, and every way in between. Avocado toast may cost a pretty penny, but that doesn't mean it can't be in your budget!

FIND HALEY AND JUSTIN ONLINE + SOCIAL MEDIA HERE:

• priceofavocadotoast.com

• Price of Avocado Toast Instagram

• Price of Avocado Toast Twitter

• Price of Avocado Toast Threads

• Price of Avocado Toast on TikTok

• Price of Avocado Toast Facebook

• Join the Price of Avocado Toast Newsletter

OTHER LINKS:

• Apply for 1:1 Coaching With Haley & Justin

• Schedule a Budget Builder call with Haley & Justin

• Price of Avocado Toast customizable 12 month budgeting template

RECOGNITION:

• Audio engineer: Garrett Davis

On today's episode we review 5 money mindsets that might be holding you back from getting ahead. Scarcity mindsets affect all of us at some point and it takes some work to break them. We wanted to name some of the major ones we see and give you some actionable steps to breaking them moving forward. Things might not change overnight, but with intention and reframe we just might get to a healthy space.

In this episode, we chat about:

• Scarcity vs abundance money mindsets

• Mindsets that may harm you

• Strategies for reframing your lens

MENTIONED IN THIS EPISODE:

• Empowered Money Academy

• Opal app

• Patrice Washington

ABOUT PRICE OF AVOCADO TOAST:

Listen in with Haley and Justin Brown-Woods, married millennials picking up the pieces from the financial fiasco they created as a young couple. 

They want to normalize conversations about money and learn from others on the path towards financial empowerment. Whether you are just getting started on your debt-free journey, or if you are really starting to hit your stride, this podcast is for YOU! 

Join weekly as they interview some others who have done it the right way, the wrong way, and every way in between. Avocado toast may cost a pretty penny, but that doesn't mean it can't be in your budget!

FIND HALEY AND JUSTIN ONLINE + SOCIAL MEDIA HERE:

• priceofavocadotoast.com

• Price of Avocado Toast Instagram

• Price of Avocado Toast Twitter

• Price of Avocado Toast Threads

• Price of Avocado Toast on TikTok

• Price of Avocado Toast Facebook

• Join the Price of Avocado Toast Newsletter

OTHER LINKS:

• Join Empowered Money Academy

• Apply for 1:1 Coaching With Haley & Justin

• Schedule a Budget Builder call with Haley & Justin

• Price of Avocado Toast customizable 12 month budgeting template

RECOGNITION:

• Audio engineer: Garrett Davis