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

"Should I invest or pay off debt first" is one of the top questions we hear from our clients and audience. It's no wonder when it can feel almost impossible to do both at the same time. So this week we're sharing our perspective on one of the top debated issues in personal finance! 

We'd love to hear your thoughts on the topic! Share what you think of this episode with a review on apple or Spotify.

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This week we’re talking about our favorite topic - Cash Flow! 

We’re sharing 6 strategies to help you increase your Cash Flow. Breaking down 3 ways to decrease your expenses + 3 ways to increase your income. And since we’ve personally used all 6 of these strategies we know they work! So whether you choose to do some or all of them, you will get results. 

But despite all of these strategies being simple they’re not necessarily easy. So although anyone can employ these strategies, we know that not everyone is willing to do what it takes.

The question is, are you willing to put in the work to increase your Cash Flow and start building wealth?

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Earning interest from a High Yield Savings Account is the easiest way to start earning passive income. Yet only 82% of Americans are benefiting from having one of these accounts!

In a High Yield Savings Account you could be earning between 4-5% interest on your savings. That's more than $600/year on a $15,000 Emergency Fund.

While that's not going to make you rich. It's more than that savings account you got when you opened your checking account.

Looking for an account? Check out the HYSA we use from Discover

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Talking about personal vices, like how much we drink, is taboo enough.

But asking someone how much they spend on their drinking? That's a whole 'nother level of real talk.

Most people aren't too eager to know how much they spend on things they're not exactly proud of...

From beer and wine to drugs and clubs. If you're not honest about how much you spend on these things, you're setting yourself up for failure.

🙅‍♂️🙅‍♀️ Most financial experts would never talk to you about this. That's exactly why we knew we had to.

In this week's episode of the radmoney podcast we share about

Our Beer Money Savings Challenge

Dealing with an Identity Crisis - "Am I a 'Heavy Drinker'?"

Showing up as Your Best Self

Ways to Reflect on Your Habits

Suggestions for Habit Change

If you need help overcoming addiction, please seek professional help and find treatment near you - HERE.

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Don’t make this common mistake with your tax refund.

We give this one piece of advice to all of your clients when they expect any kind of windfall. Instead of deciding what you will do with the money after you get it. Have a plan for how you will use the money.

Regardless of how much money you will get, you should have a plan for how a windfall can help you reach your top financial goal. Listen to learn more about this strategy!

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Want to make it easier to manage your money? Start by getting your finances organized and creating a system that is simple and easy to use! 

One of the top challenges people face with their finances is lacking a system that makes financial decisions easy. Instead most people tend to overcomplicate and overthink their approach. 

But if you want to pay off debt, save money, or invest more than you need a simple, easy to use system to manage your finances.

In this episode we’re sharing how we organize our finances to make managing money an absolute breeze!

You need the right tools 5:19

Understand your Cash Flow 9:45

Calculate your Net Worth 11:03

Organize and streamline financial accounts 14:46

STEAL OUR STRATEGY

Take the course CASH FLOW FREEDOM FRAMEWORK

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Can your weekly money meeting (date) with your spouse actually be a way to connect? Absolutely!

This weeks Micro Money Tip is all about how to get financially intimate with your spouse and make your money dates sexy!

We share what to focus during your money date, how to frame the conversation and some ideas for what to do after the meeting has concluded... ;-)

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When we decided to get serious about our finances, pay off our debt and reach Financial Freedom - we had no idea the benefits it would bring to our marriage!

Of course there were the obvious benefits that motivated us to protect our marriage. Less stress, fewer arguments and having the freedom to travel more. 

But what we didn’t know was how learning to work together toward a challenging goal was going to help our marriage not just survive, but thrive!

What we realized much later was that through the process we cultivated Financial Intimacy in our relationship. Rather than financial issues being something that pushed us apart, it brought us together. All the while building trust, learning to communicate effectively, and other “soft skills” necessary to reach financial goals.

• Financial Intimacy helps you connect with your spouse

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Whether you're openly talking about it or not, you're communicating your values around money from the very first date. From the car you drive, to what you wear and where you go, you're sending and receiving signals about your financial habits and values.

But when do you start talking about money more directly and what do you talk about? 

As Financial Coaches for Couples we share our opinion on when and how to bring up the topic.

Plus some personal dating horror stories of how things can go terribly wrong when you aren't conscious of your finances on the dating scene.

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💵 Book your FREE Financial Strategy Session

💰 Take the FREE Course for Couples Building Wealth in 2024

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Join us for our first Ask us Anything episode where we're doing our best to answer listeners questions about all things personal finance. 

In this episode we discuss...

• How to think about and manage medical debt

We hope you enjoy it!

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💵 Book your FREE Financial Strategy Session

💰 Take the FREE Course for Couples Building Wealth in 2024

❓Ask radcoaches - submit your question here