Queer Money®: How Gay People Do Money

On this week's Queer Money we continue looking at the success stories coming out of the Credit Card Pay Off Course, which opens back up Sunday, September 8th, for 5 days only! 

Karen and Dave were struggling. Unplanned expenses forced the couple to max out several credit cards, and they weren’t sure how to fix it on their own. That’s when they came across our Credit Card Pay Off Course and made the decision to invest in their future.

On this episode of Queer Money, Karen and Dave join us to share their experience with the Credit Card Pay Off Course, explaining how family obligations, unexpected healthcare expenses and unconscious spending led to their serious credit card debt. They explain how they learned about the course and what makes it different from other programs in terms of flexibility and the detailed spending analysis.

Karen and Dave also discuss the progress they’ve made so far, describing how they’ve adjusted their spending habits to pay off several cards and significantly decrease their monthly interest payments. Listen in as Karen and Dave share their plan to buy a travel trailer once they’ve built up savings and learn how your hopes and dreams can inspire YOU to pay off credit card debt and live the life you want!

On this week's Queer Money we are honored to host the 9 times New York best selling author David Bach. 

“If you don’t know where you’re going, you may not like where you end up.”

How do you make decisions about how to spend your money? Do you have a vision of what you want your life to look like that guides you? Do you spend with intention, based on your values? Or unconsciously, based on someone else’s idea of what’s important?

David Bach is one of the most popular financial authors of our time. He has written nine consecutive New York Times bestsellers, including Start Late, Finish Rich, The Automatic Millionaire, and his new release, The Latte Factor. David has been teaching people how to be smarter with their money since 1994, speaking internationally and making thousands of media appearances, with spots on The Today Show and The Oprah Winfrey Show, among many other outlets. He is also the founder of Finish Rich Media and co-founder of AE Wealth Management, a firm boasting $8B in assets under management.

David joins us to share the premise of his new book, The Latte Factor. He explains why having a vivid vision is crucial to changing your financial life, discussing how clear values make money decisions easier. David also addresses how to avoid getting sidetracked by values that aren’t your own and overcome the perception that you’re not worthy of more than a mediocre life.

On this week's Queer Money we talk with Alison & Ali about living their best lives. 

Do you ever dream of retiring early and traveling the world with your partner? You can make that dream a reality, but it does require careful planning.

Ali & Alison Walker are the creators of All Options Considered, a platform where they share their journey to financial independence and adventures in slow travel, most recently making their way through Southeast Asia. Today, they join us to explain what inspired them to retire early and what steps they took to achieve the financial freedom that makes their current lifestyle possible.

Ali & Alison weigh in on the concept of geoarbitrage, discussing how they make decisions around where to travel based on the cost of living and LGBTQ discrimination. They also offer insight into how they are financing their travel, what strategies they use to stay on budget, and how they get routine medical care in other parts of the world. Listen in for Ali & Alison’s advice on how to adopt a similar lifestyle and learn how you can retire early and travel the globe with your partner!

Queer Money is made possible by the support of Capital One. 

Get this week's QUeer Money freebie here: www.debtfreeguys.com/159

Purchasing a home is a big emotional and financial decision for couples, LGBTQ or otherwise. How do you know if you and your partner are ready? And what steps can you take to save tens of thousands (or maybe even hundreds of thousands!) of dollars over time?

On today’s episode of Queer Money, we’re sharing 5 tips for buying a home as a couple. We start by explaining how your credit scores impact the interest rate on your home loan and offering insight on how to improve your scores if necessary. We provide a list of questions to help you decide on your must-haves and set parameters to stay within your price range.

We go on to discuss the value in reviewing your budget, addressing how to factor in the additional expenses associated with homeownership. Listen in for advice on getting an estimate from a lender, handling legal matters up front, and saving for a down payment—to save A LOT of money in the long run!

On this Queer Money, we're talking to Fred Norrell about his journey of discovery when it comes to credit card debt and paying it off. 

According to a recent CNBC study, a full 75% of Americans admitted to winging it with their finances. Fred Norrell was among that 75% until he invested in our Credit Card Pay Off Course, and today, he is on the road to early retirement. So, how has the course helped Fred become more aware of his spending and develop a plan to achieve financial independence?

On this episode of Queer Money, Fred joins us to share his experience with the Credit Card Pay Off Course, explaining what inspired him to take action now and why he chose our program in particular. He describes his shock in completing the Spending Analysis and discusses how unconscious spending contributed to his significant credit card debt.

We address the myth that debt will go away as you earn more, and Fred walks us through the aspects of the course that have been most beneficial—from the weekly calls to the Dynamic Budget. Listen in as Fred shares his dream of spending time on the beach in Fort Lauderdale and learn how the Credit Card Pay Off Course can help you eliminate debt and live the life YOU want!

This Queer Money is all about financial stress.

To help reduce your financial stress click here: www.debtfreeguys.com/157

Are you stressed about money? You’re not the only one. In fact, 60% of the LGBTQ respondents in a recent study admitted to worrying about their finances on a weekly basis. So, what can you do to eliminate financial stress and live a happier life?

On today’s episode of Queer Money, we’re sharing 5 tips for eliminating the anxiety associated with money. We start by encouraging the LGBTQ community to take advantage of basic financial tools and sharing our simple strategy to build an emergency savings account—$5 at a time.

We also offer insight on having the courage to say NO, giving examples of how we’ve turned down invitations for big trips and expensive events. Listen in for creative ideas on increasing your income streams and learn how setting up a budget can eliminate financial stress!

On this week's Queer Money show we invite Josh Stoffregen, the VP of Global Communications & Workplace Solutions at Prudential Financial to join us to discuss the state of financial wellness for the LGBTQ community in America.

He joined the team in 2009 and served as the project lead for the firm’s 2012 LGBT Financial Experience Survey. Josh was also the President of Prudential’s enterprise-wide LGBT organization from 2010 to 2014. Today, he joins us to share the findings of the company’s latest research, the 2018 Financial Wellness Census and its sub-study of diverse populations, The Cut.

Josh walks us through the numbers, discussing the areas where the queer community has progressed in the last ten years as well as our remaining challenges when it comes to financial wellness. He reflects on what’s preventing the general population of the US—and the LGBTQ community specifically—from achieving financial security. Josh also offers insight into Prudential’s approach to recognizing the queer community year-round and covers some of the company’s upcoming LGBTQ events and partnerships. Listen in to understand Prudential’s latest data around the state of LGBTQ financial wellness and learn how financial stability improves other aspects of your life, including your overall mental and physical health!

Queer Money this week digs into some of the common questions that are asked about using and getting PrEP. If you’re nervous about contracting HIV, there is a new prevention strategy known as pre-exposure prophylaxis or PrEP. What does the drug do? Who should be taking PrEP? Does it have any side effects? How much does it cost? Megan Canon is the Biomedical Intervention Coordinator with the Colorado Department of Public Health and Environment and the director of the state’s Proud to be PrEPPED Campaign. Prior to CDPHE, Megan served as the PrEP Program Coordinator for the Houston Health Department and the Please PrEP Me Project Consultant for HIVE. A dedicated public health leader, Megan is committed to helping educate communities to make informed decisions about their health needs. Today, Megan joins us to discuss the fundamentals of pre-exposure prophylaxis, explaining who makes a good candidate for the HIV-prevention drug, TRUVADA, and how long it takes to start working. She addresses the issue of finding a PrEP-friendly provider and leveraging health insurance and financial assistance programs to access the medication. Listen in as Megan answers your questions about taking PrEP to prevent HIV and learn whether or not PrEP is right for you!

On this episode of Queer Money, we get a bit personal and share some of our recent personal journey while we were house sitting in Columbia, PA. As a gay couple, this was a difficult and trying time for us in a small town that we felt uncomfortable being our true selves. We came into 2019 feeling #likeaboss. We were in talks with a bank to do a lucrative Queer Money Live tour and had the support of a number of corporate partners leading up to the launch of our Credit Card Pay Off Course. And then it all went south. Just a few weeks into 2019, the tour fell through and the course, which we had expected to cover our living expenses for the year, didn’t get us through the month of January. The depression that followed made it painfully clear that our self-worth and spiritual health were not as strong as we thought. Today on Queer Money, we’re pulling back the curtain on the challenges we’ve faced so far this year and explaining how house sitting in small-town Pennsylvania made us realize just how much self-development work we have left to do. We discuss what we recognized about our self-worth being attached to external factors and share some of the books that have supported our ongoing spiritual journey. We also offer insight into the new morning routine that has brought us together as a couple and facilitated our personal growth, reflecting on how far we’ve come in the last few months—despite our challenging financial situation. Listen in to understand that the voice in your head is NOT you and learn how to let go of the false belief systems that don’t serve you and be an LGBTQ force for good in the world!

On this Queer Money, we chat with Jenn T. Grace about her path to becoming and Queer Entrepreneur. Are you an LGBTQ entrepreneur looking to scale? Or a queer business leader driven to build your own thought leadership platform? Then sharing your story in a book may be the best way to position yourself as an authority and attract the opportunities you need to grow. But how, exactly, does the publishing process work? Known as the Professional Lesbian, Jenn T. Grace is a business strategist, keynote speaker and bestselling author specializing in the LGBTQ market. Jenn believes that social change happens first in the workplace, and her consulting work focuses on guiding corporate, small business and nonprofit clients in navigating LGBTQ issues. Committed to helping people share their stories of adversity, Jenn’s most recent venture is Publish Your Purpose, a firm working to discover and publish purpose-driven authors with a story to tell and a brand to build. Today, Jenn joins us to explain what inspired her to create Publish Your Purpose, discussing the services and support the company offers as well as the kinds of authors she serves. Jenn describes how being a published author can benefit a business owner and shares the story her own entrepreneurial journey. Listen in for Jenn’s insight around leveraging the resources provided by the NGLCC and learn why it’s crucial to have clarity of purpose as an aspiring LGBTQ entrepreneur!