radmoney | Money Management for Millennial Married Couples with Financial Coaches Rebecca & Dylan

This common expense is one of the worst things to spend your money on! Which is why we're warning you about this wasteful expense.

Plus sharing a few easy swaps that will help you save small amounts of money that add up over time!

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Have you ever thought about what it would be like to live in a Tiny Home? 

If you’re like us, you’ve definitely watched shows about tiny living, and considered if it was right for you. Especially in the past few years with the cost of living and the average price of a home having skyrocketed!

That’s why this week we welcomed guest Laura Lynch CFP® ABFP™ AAMS® CDFA® onto the show to discuss the concept of tiny living as a pathway to Financial Freedom. Join us as we hear about Laura's personal journey making the move to tiny living and her desire for a more resilient and sustainable future where she gets to pursue her interests, free from the limitations of a 30-year mortgage.

We also discuss the financial implications of downsizing, including the benefits of reduced housing costs, utilities, and accelerated debt freedom. Plus special considerations for financing tiny homes, and the broader implications for retirement planning and lifestyle choices. 

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Have you tried to start a new habit like budgeting, cutting up your credit cards and vowing only to eat at home...only to give up a week later and return to all of your old habits that you wanted to change?

If so, you're not alone!

There is a better way to go about sustainably changing your financial habits so that you can consistently get results! This weeks Monday Micro Money Tip we're sharing how to think about habit change for the biggest long term impact on your financial future.

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A recent study reported the value of a High School course on Personal Finance. Based on the research, a single-semester course is worth an estimated $100,000 over the course of a lifetime!

This demonstrates what we’ve always known to be true. That investing in your financial education is the best investment you can make. But that begs the question - are you investing in YOUR financial education?

Whether you received an education in personal finance or not, it’s on each of us to continue learning so that we can avoid costly mistakes and build wealth.

Since April is Financial Literacy month, we’re talking about the ROI (return on investment) of a financial education. Plus, what’s at risk if you fail to invest time and money learning how to manage your personal finances. 

RESOURCES

📚 Read These Personal Finance Books to Increase Your FI-Q

Check the Financial Literacy education requirements in your state in the 2024 Survey of the States from the Council of Economic Education

Learn more about Financial Literacy programs for schools K-12 in your state

Junior Achievement

Dave Ramsey Foundations

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When most people try to save money they simply try to cut back on spending, hoping that they will have money left over at the end of the month to put in their savings. But this approach is completely backwards! 

There is a better, more effective way to save money that helps guarantee your success and ensure that you reach your savings goals. It's called paying yourself first and it's a fundamental budgeting habit of every successful couple.

Here how to pay yourself first and about the additional habits you'll need to execute this strategy in this weeks Monday Micro-money Tip!

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There are a lot of myths about budgeting that need to be debunked. Because believing these myths can prevent you from taking action on something that will help you improve your finances!

We see these budgeting myths perpetuated in a lot of ways. From money conversations and spending pressures in your circles of friends. To advice from family members, and the media.

But these myths and limiting beliefs are exactly that - limiting. In this episode we’re debunking these budgeting myths once and for all.

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If you want to build wealth, but you don’t like the idea of a budget, you’re due for an upgrade on your Money Mindset! Because budgets aren’t limiting, your mindset is!

This week we’re sharing why getting to budget is not only important for those who are serious about Financial Freedom. It’s also an opportunity to align your money with your values and prioritize what’s most important.

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This week we’re going to take advantage of the extra Spring energy to check in on our overall financial health.

We’re getting organized, closing out tax season to-do’s, and checking in with our goals for the year! Now is the perfect time to check-in on your progress and strategically adjust your strategy to get the results you really want.

Take care of these 5 financial chores to make 2024 the year you crush your financial goals!

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RESOURCES

IRS W4 Tax Withholding Calculator

Check Your Credit Report for FREE!

How to Travel This Summer Without Going Into Debt

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This week we’re sharing our favorite reasons for weekly money dates. Before you tell yourself "I don't need to do that" hear us out!

Because scheduling money dates can be a game changer when you’re trying to get intentional about your finances.

Especially if you struggle to be consistent, or one (possibly both of you) tend to avoid talking about money!

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Having a different opinion than your spouse about financial issues is perfectly normal. But when talking about money turns into arguing about money, that can make building wealth impossible.

Even if you don't argue about money but you struggle to agree on a strategy and can't see a clear path forward - that is costing you big time!

The longer you go without a strategy, the more you miss out on intentional saving and investing. Which is why we want to help you stop arguing about money and learn to make better financial decisions together.

In this episode of the radmoney podcast we dig deep into:

• Disagreeing about how money should be used.

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