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For many immigrants and children of immigrants, travel is seen as a luxury and isn't often considered. My first time on a plane was to come to the USA (cue Coming To America) just before my 17th birthday. Now, I've been to 57 countries.
In this episode, I share five tips for creating a realistic travel budget:

1. How going over budget sucks and the reason many travel budgets are not realistic
2. Considering the number of travelers and whether costs are splot
3. Identifying all possible cost categories to avoid surprised
4. Clarifying the vacation style for your trip (budget, mid-range, or luxury)
5. What to research to create a reasonable budget in each category
6. How I leave room for flexibility in my travel budget

As I promised, here is the link to the blog post with details on building your travel budget. At the bottom of the post, there's a link to my travel budget template. Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on iTunes. See you in a few weeks!

Stay connected with the podcast and join our community online at www.therichimmigrant.com or on  Instagram at 'Therichimmigrant.'

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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I'll be honest, it's no fun seeing everything in the red lately. What does that mean for us as investors? Should we stop investing? In this episode, I share about

1. What's been going on in the stock market
2. How far things will drop
3. History of stock market recoveries
4. Dollar-cost averaging
5. Automating Investing
6. You haven't actually lost if you haven't sold
7. Diversification
8. Understanding and staying within your risk tolerance
9. Any amounts needed in the short term should be kept out of the market

I continue to invest because I have a plan because I have time and I'm investing within my risk tolerance. I'm in it for the long haul and will continue what has worked for me. This is not financial advice, it is for educational purposes only.

Thank you for listening to this episode of season 4 of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode. Stay connected with the podcast and join our community online at www.therichimmigrant.com or on  Instagram at 'Therichimmigrant.'

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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'Know your worth and add tax' is a common phrase lately.  But how do you know how much to negotiate? They say you don't always get what you deserve but you get what you negotiate. Unfortunately too many of us do not negotiate at all. In this episode, I help you negotiate better. I talk about:

1. Why I decided to do better at negotiating
2. Starting your research early and websites to help you come up with salary expectations/ranges
3. How talking to the right people will help you negotiate better
4. The three people you should talk to while negotiating
5. Three numbers you should know while negotiating
6. Who should throw out a number first and why?
7. Assessing the overall compensation package and not just the base salary

The more you negotiate, the better you get at it.

Thank you for listening to this episode of season 4 of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode. Stay connected with the podcast and join our community online at www.therichimmigrant.com or on  Instagram at 'Therichimmigrant.'

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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Its the new year (Happy New Year) and I'm bringing back this popular episode on creating a financial vision board. In this episode, I talk about:

1. Why do you need a financial vision board?
2. Starting with your overall financial/life vision in mind. Who do you want to be?
3. Breaking the vision into actionable goals
4. What time horizon should a vision board entail?
5. Choosing the right format for your vision board
6. Revisiting your goals/board over the year

Nothing happens unless you have the courage to start by dreaming audacious dreams that scare and inspire you at the same time. But don't just stop at dreaming, it's time to get to work!

Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on iTunes. 

Stay connected with the podcast and join our community online at www.therichimmigrant.com or on  Instagram at 'Therichimmigrant.'

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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This last episode of 2021 is a personal episode where I share my journey to FIRE. Fire stands for Financial Independence Retire Early.
In this episode, I share personal examples and I talk about:

1. When I first learned about FIRE and my initial impressions
2. What changed regarding my thoughts on FIRE
2. My thoughts on whether the Movement is exclusive and whether it promotes an obsession with money
4. Some non-FIRE things that I've done
5. What if FIRE is not an option based on the cards life has dealt you?
6. My plan moving forward

As I invest tomorrow, I want to also invest in my today. Every FIRE journey is different but I have goals to be work optional within the decade.  If the FIRE movement is new to you, I hope this episode provided some background information to help you get going. Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on iTunes. Merry Christmas, Happy Holidays, and see you next year

Stay connected with the podcast and join our community online at www.therichimmigrant.com or on  Instagram at 'Therichimmigrant.'

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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1. Moving to Boston from Trinidad as a teenager
2. Graduating with $36,000 in student loans and moving across the country to San Francisco
3. Being the only or one of the only Black women in Tech roles
4. How the financial knowledge from her family did not apply to her life in the USA
5. How not having a support system impacted her finances
6. Building community after relocating to a new city and budgeting for it
7. Getting laid off and leaving the USA temporarily
8. Finally making a plan to pay off her debt
9. How going home helped her financially, emotionally, and mentally
10. What's different about her now
11. Why she's building Navigating Culture

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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Whether you're paying off debt, saving for retirement, or saving for a downpayment, losing motivation on your financial journey is actually normal. I've definitely had moments where I've lost the zest I once had. Thankfully, I've been able to bounce back each and every time.

In this episode, I share my personal journey and I also share five ways to stay motivated on your financial journey:

1. Remember your why. Why are you working towards this goal?
2. Don't make deprivation a lifestyle. It is not sustainable
3. Break it down into smaller goals and celebrate milestones
4. Find Community
5. Reevaluate your financial goals regularly

Shout out to an amazing community that I found a few years ago, LIVE Richer Dream Catchers by Budgetnista is amazing.   To track and celebrate your net worth milestones, click here. Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on iTunes.

Stay connected with the podcast and join our community online at www.therichimmigrant.com or on  Instagram at 'Therichimmigrant.'

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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The Great resignation (or the great realignment) is real and people are switching jobs in record numbers. What more? There are a lot of opportunities specifically in the tech space and this means more people are negotiating job offers with equity compensation. The truth is, job offers can be difficult to fully understand. Today's episode helps you understand your compensation package so you can make the best decision and negotiate for yourself!

In this episode, we discuss:

• Salary
• Benefits such as PTO, Fertility benefits, Parental leave, fitness, health insurance etc.
• 401k, the match, and vesting
• Equity compensation - Employee Stock Purchase Plans
• Equity compensation - Restricted Stock Units

We can only negotiate what we understand and this episode was recorded to put you in the driver's seat when it comes to your compensation. Go out there and negotiate better! Share this episode with someone that is thinking of changing roles! Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on iTunes.

Stay connected with the podcast and join our community online at www.therichimmigrant.com or on  Instagram at 'Therichimmigrant.'

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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 I first 'met' Vivienne a few years ago on Instagram as she shared a love for travel. Since then, I've gotten to know her personally and follow her on her journey. What a GEM!

Vivienne Okafor is a creative content director, brand coach, and storyteller with a mission to build people. She focuses on helping you discover the essence of who you are through your gifts, story and purpose, and guides you to package it for who you’re called to serve. She’s an avid traveler and believes that it is at the intersection of stories and education that the magic happens.

Viv and I continue our conversation about her courageous journey from trying to get into medical school to entrepreneurship. We talk about:

1. How she mentally and emotionally prepared for a transition to entrepreneurship
2. How to know when it's time to leave
3. How she prepared financially for the transition
4. What she wishes she did better in financially preparing for transition into entrepreneurship
5. How preparing financially will keep you from operating in anxiety, fear, and desperation
6. How she's stayed committed by investing in herself and in her growth
7.  Mistakes in investing - investments rooted in lack vs out of a specifically identified need/gap
8. How she stays grounded in her why
9. How you can work with her
10. In her words, what it is to be a rich immigrant

Please listen and share this episode.

Vivienne is working on an exciting workshop that will help people tap into their story, gifts, and purpose before they decide to build anything. Follow Vivienne on Instagram @thevoguide or visit her website at  www.thevoguide.com

Stay connected with the podcast and join our community online at www.therichimmigrant.com or on  Instagram at 'Therichimmigrant.'

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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I first 'met' Vivienne a few years ago on Instagram as she shared a love for travel. Since then, I've gotten to know her personally and follow her on her journey. What a GEM!

Vivienne Okafor is a creative content director, brand coach, and storyteller with a mission to build people. She focuses on helping you discover the essence of who you are through your gifts, story and purpose, and guides you to package it for who you’re called to serve. She’s an avid traveler and believes that it is at the intersection of stories and education that the magic happens.

When I think of Vivienne, I see courage in action, I see vulnerability, and I see a woman focused on becoming the best version of herself. Vivienne shares her courageous journey from trying to get into medical school to entrepreneurship. This episode is for anyone in transition, charting a different course, or making an unpopular decision. We talk about:

1. What she wanted to be when she was growing up
2. How we sometimes carry dreams that aren't ours as Immigrants and BIPOCs
3. How it felt when she realized her childhood dream of going to medical school was not going to happen
4. How she told her parents that she was not going to medical school
5. How courage comes in the DOING, and not feeling courageous at the time she made the decision to move forward despite the uncertainty ahead
6. How to know when you're ready for your next move 
7. Making the next pivot from  health care consulting to creative entrepreneurship
8. Going all-in on a decision vs doing a half-ass job

What a conversation we had and this is only part 1. I truly believe this episode will help someone out there break free from expectations and dreams that weren't even theirs, to begin with. Please listen and share this episode. Stay tuned for part 2 of the conversation next week!

Vivienne is working on an exciting workshop that will help people tap into their story, gifts, and purpose before they decide to build anything. Follow Vivienne on Instagram @thevoguide or visit her website at  www.thevoguide.com

Stay connected with the podcast and join our community online at www.therichimmigrant.com or on  Instagram at 'Therichimmigrant.'

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'