The Struggle is Real: Financial Independence Strategies for Young Adults

The Struggle is Real: Financial Independence Strategies for Young Adults

By Justin Lee PetersBusinessEducationInvestingHow ToCareers
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The Struggle is Real: Financial Independence Strategies for Young Adults episodes

  • ”NO Stands for Next Opportunity” How to Overcome Rejection and Get What You Want I E11 Dee Goines
    Today’s guest is Daniel “Dee” Goines, who has spent the last 15 years crafting an impressive career in higher education.
    His story illustrates how you can create opportunities for yourself and capitalize on them. He has an infectious personality with a humble storyline. Oh, and he shook The Rock’s hand (you’ll hear more about it in the episode).
    This episode is perfect for someone who has been going through a time of rejection and needs some inspiration.
     
    Key Takeaways:
    [3:06] Dee’s difficult route to college
    [18:14] Dee meeting his mentor John Buck
    [27:23] Advice on how to overcome rejection and cultivate more hunger
    [33:39] How you go from knowing no one in high school to being a super connector in college
    [44:57] How Dee met Dwayne “The Rock” Johnson
    [55:41] Dee’s thoughts on the current racial climate and advice on being an ally
     
    Favorite Quotes:
    [22:28] “If you think about it, all the cool people have one name.”
    [31:32 “All of those 10 times I asked for a job, it was like an interview 10 times.”
    [36:25] “Buck taught me the value of remembering someone’s name and greeting them by name.”
    [37:54] “Just call me Dee.”
    [44:30] “No stands for next opportunity.”
    [49:56] “Having a plan, and not giving up, and like knowing you have to make stuff happen.”
    [50:44] “It’s nice to be important, but more important to be nice.”
    [53:29] “She said, Danny, there is a Santa Claus.”
    [1:01:22] “If you care about a piece of property more than someone’s life, then there is a greater conversation that needs to be had.”
     
    More of Dee:
    Twitter: @deeucme
    Facebook: https://www.facebook.com/dee.goines
     
    More of TSIR:
    Find show notes and more at https://www.tsirpodcast.com/
    Follow us on Instagram at https://www.instagram.com/tsirpod/
    1 hr 9 min
  • When It Comes to Big Decisions, Trust Your Gut I E10 Kate Holtz
    Today’s guest is Kate Holtz, a good friend who I admire for her ability to follow through with scary decisions.
    As a left-brain dominate, I’ve find sanctuary hearing that most of Kate’s big decisions are based on a gut feeling.
    In this episode, Kate and I discuss her decision to go to Butler University, how she found herself in San Francisco post-college, and handling the transition to long distance dating.
    This episode is perfect for those who find themselves overthinking decisions way too often.
     
    Key Takeaways:
    [4:41] How Kate’s upbringing affected who she is today
    [15:35] How Kate made the decision to go to Butler University
    [26:12] Kate’s choice to move to San Francisco and the challenges she had to overcome when doing that
    [40:07] Handling long distance dating
    [0:00] Advice when you’re seeking your first job
     
    Favorite Quotes:
    [10:54] My seventh grade brother called me bossy and that was definitely the tipping pointing where you start to realize you need to grow up and refine some of your characteristics
    [13:28] Is there somebody else in the room that could do that better?
    [19:58] There you go again thinking
    [30:00] You know, I think I’m moving to San Francisco?
    [46:53] You realize small things can make a big impact. You don’t have to do these grand gestures to make the other person feel loved.
     
    More of Kate:
    Instagram: @kate_holtz
    LinkedIn: https://www.linkedin.com/in/kate-holtz-arm-40b4ba10a/
     
    More of TSIR:
    Find show notes and more at https://www.tsirpodcast.com/
    Follow us on Instagram at https://www.instagram.com/tsirpod/
    1 hr
  • Level Up Your Communication Skills with a Toastmaster President I E9 Geoff King
    Today’s guest is Geoff King, a communication expert and all around great human.
    In this episode, Geoff and I discuss why we believe effective communication is the number one skillset that everyone should be investing time into mastering.
    Geoff shares some of his insights he’s learned from growing his real estate business, being President of a Toastmasters club, and competing and coaching in speech and debate.
    This episode is perfect for those who are looking to keep themselves relevant in a world where clear communication can make a huge difference.
     
    Show Notes:
    [2:10] What Geoff learned from Toastmasters 
    [15:56] The most important skill Geoff looks for when hiring
    [28:27] Stories from coaching speech and debate
    [32:30] How to give effective feedback
    [41:24] Why failure and learning are synonymous
    [44:50] Using the 10X Rule to crush your goals
     
    Favorite Quotes:
    [22:50] “We look for someone that’s consistent. Are you committed to whatever it is that you’re doing?”
    [25:24] “It’s not supposed to sound like you. It’s supposed to sound like someone that has already sold hundreds of houses.”
    [38:57] “Once you get in the real world, the more you mess up, the faster you learn.”
    [52:54] “It’s business as usual in an unusual way.” 
     
    Mentions:
    The 21 Irrefutable Laws of Leadership by John Maxwell
    Radical Candor: Be a Kick-Ass Boss Without Losing Your Humanity by Kim Scott
    The 10X Rule: The Only Difference Between Success and Failure by Grant Cardone
     
    More of Geoff:
    Instagram: @thegeoffking
     
    More of TSIR:
    Find show notes and more at https://www.tsirpodcast.com/
    Follow us on Instagram at https://www.instagram.com/tsirpod/
    56 min
  • Building Mental Toughness Through Running I E8 Calendar Club
    This is a special episode for me. With a group of friends in April, I completed a running challenge called the Calendar Club.
    I invited our group onto The Struggle is Real to discuss the challenge and lessons learned. We have lots of laughs throughout as everyone shares stories about their personal experiences.
    This light-hearted episode is perfect for those looking to learn more about a fitness challenge that they could use to jumpstart their health journey.
     
    Key Takeaways:
    [3:27] Why each member wanted to do Calendar Club
    [4:48] Discussion about our views on being a runner
    [10:58] How we held themselves accountable throughout the month
    [20:31] Overcoming long run days using mental fortitude
    [32:08] Lessons learned by completing Calendar Club
     
    Favorite Quotes:
    [10:14] It’s encouraging for anyone who’s like, I don’t think I can do that. Actually you can do it, if you just decide to be dedicated to it. - Gaby
    [15:10] I disliked most of it. - Shane
    [26:25] There was this head wind, a really strong head wind. And it seemed to change direction no matter what side of the track I was on. - Mike
    [34:07] Before you know it, your hardest workout is now your warmup. - Shane
    [38:54] It’s on like donkey kong. - Bri
     
    Mentions:
    Jesse Itzler IG: @jesseitzler
    TSIR episode with Shane Jenne: https://www.youtube.com/watch?v=XfDJxjkECqg&t=651shttps://www.tsirpodcast.com/e4-shane-jenne-from-overweight-to-fitness-coach-i-the-sandbox-with-justin-peters/
    The Struggle is Real episode with Kyle Peters: https://www.tsirpodcast.com/e2-kyle-peters-the-power-of-authenticity-i-the-sandbox-with-justin-peters/
     
    More of Calendar Club:
    Instagram:
    Brianna Schaeffer @brishafe
    Shane Jenne @shanejenne
    Gaby Deimeke @gdeimz
    Mike Neace @mikeneace
     
    More of TSIR:
    Find show notes and more at https://www.tsirpodcast.com/
    Follow us on Instagram at https://www.instagram.com/tsirpod/
    41 min
  • Critical Skills for Negotiating Your Next Job Offer I E7 Alexandra Dickinson
    Today’s guest is Alexandra Dickinson, Founder and CEO of Ask For It, a negotiation training and coaching business.
    In this episode, Alexandra and I discuss how negotiating doesn’t need to feel combative and unpleasant. She gives tactics and advice on a myriad of topics including figuring out an appropriate salary range, practicing for a salary negotiation conversation, and handling the question “how much do you currently make?”
    This episode is perfect for those who feel they deserve more, but might not have the skills, or more importantly, the confidence to ask for it.
     
    Key Takeaways:
    [2:38] Starting Ask For It and overcoming imposter syndrome
    [10:36] When to negotiate and how to go about it
    [11:53] How to figure out an appropriate salary range
    [22:04] How to practice for a salary negotiation conversation
    [30:43] Advice on handling “how much do you currently make?”
    [38:23] Utilizing the “wish, want, walk” method when negotiating
    [45:21] Alexandra’s favorite negotiating advice
    [51:12] Alexandra values and how she wants to raise her daughters
     
    Favorite Quotes:
    [5:23] You have to believe that you are worth it before anyone else is going to believe it.
    [19:26] How much are you willing to pay to avoid an awkward conversation?
    [26:47] It’s not about what you will do, it’s about what you have done.
    [46:01] Speech is silver, silence is golden.
     
    More of Alexandra and Ask For It:
    Instagram: @askforitco
     
    More of TSIR:
    Find show notes and more at https://www.tsirpodcast.com/
    Follow us on Instagram at https://www.instagram.com/tsirpod/
    1 hr
  • Keep Your Money and Your Values Aligned I E6 Luis Savery
    Today’s guest is Luis Savery, Founder of Templo Education.
    In this episode, Luis and I discuss why he started an organization focused on educating young adults about financial literacy.
    We talk about why he believes your purchases reflect what you truly value, how to get someone to be your mentor, and the small yet significant difference between discipline and impulse.
    This episode is perfect for anyone looking to be more intentional about how they handle their money.
     
    Key Takeaways:
    [5:07] How growing up in Upper Manhattan influenced Luis’ mindset on money
    [13:18] The inspiration for Templo Education and how the organization works
    [19:19] Why the school system fails to teach financial literacy and what Luis would do about it
    [26:16] Luis’ advice on how to find a mentor and maximize that relationship
    [33:43] Where you spend your money reflects what you value
    [41:18] Discipline versus impulse
     
    Favorite Quotes:
    [18:38] Adding finances to your repertoire while you're learning enhances you no matter what career you’re in.
    [22:50] I can feed the angel or the beast, whatever your habits are, more money is going to feed that.
    [36:46] When you look at someone's bank account, you can really see what they value.
    [43:05] When you don't plan, the money controls you, but when you plan, you control that money. You tell your money where to go.
     
    Mentions:
    Shoe Dog: A Memoir by the Creator of Nike by Phil Knight
     
    More of TSIR:
    Find show notes and more at https://www.tsirpodcast.com/
    Follow us on Instagram at https://www.instagram.com/tsirpod/
    52 min
  • The Power of a Growth Mindset I E5 Kevin McWilliams
    Joining me on the podcast today is Kevin McWilliams.
    In this episode, Kevin shares his story of developing a growth mindset and the impact that shift has had on his life.
    Kevin and I discuss how to align your time with your priorities to get what you want. We also dive into his love for sports, his complicated relationship with his dad, and spotting career opportunities.
    This episode is perfect for anyone looking for inspiration to push past their limiting beliefs.
     
    Key Takeaways:
    [3:51] How to align your priorities with how you spend your time
    [13:48] Communicating with friends you’re falling out with
    [17:50] Is grad school right for you?
    [19:33] How Kevin overcame his fixed mindset
    [25:20] Two of the most powerful words you can say...I am.
    [30:28] Why sports are the perfect parallel to life.
    [33:58] The duality of people illustrated through Kevin's father
    [44:23] Spotting and evaluating career opportunities
     
    Favorite Quotes:
    [12:18] I was so unintentional, I was letting life happen to me. As opposed to making it happen for what I want out of it.
    [14:36] Who are the people who are bringing you the most joy and who are you bringing joy to?
    [29:05] We stop at saying “I am” or “I can’t” but the truth is the people are good at stuff just put in the time.
    [34:07] You have a friend until you prove otherwise.
    [45:21] I’ve tried to value growth and learning over everything.
     
    More of Kevin:
    Instagram: @kmcwilliams21
     
    More of TSIR:
    Find show notes and more at https://www.tsirpodcast.com/
    Follow us on Instagram at https://www.instagram.com/tsirpod/
    55 min
  • Unbelievable Transformation from Overweight to Fitness Coach I E4 Shane Jenne
    Joining us on The Struggle is Real is Shane Jenne.
    In this episode, Shane and I discuss his early struggles with weight and how he was bound to a life filled with chronic health issues.
    Instead of fulfilling this prophecy though, Shane transformed his life losing 80 pounds the summer after his freshman year of college.
    He didn’t stop there though. His transformation inspired him to help those starting their own health revolution. Shane became a certified personal trainer and strength and conditioning coach.
    He recently started an online personal training program for the entertainment industry that includes actors, dancers, and performers. 
    This episode includes tips on fitness, nutrition, and sleep.
     
    Key Takeaways:
    [2:32] How Shane got started on his health journey
    [9:10] Why finding your why is important during your fitness journey
    [14:22] Shane explains how he defines a healthy lifestyle
    [20:20] 9/10 people say their number one issue with their wellness is sleep and what we can do about it.
    [28:55] Shane’s personal training background and how that transpired into Actors Fitness Guild
    [39:50] What has the army taught Shane?
     
    Favorite Quotes:
    [11:58] You have to be dedicated and motivated everyday and you do that by being inspired by understanding what your why is.
    [13:12] The more people that know about your journey, the more people are going to ask you about it. The more people are asking about your journey, the more accountable you are.
    [26:50] There is nothing after 10pm that has to happen after 10pm.
    [36:55] I won’t give them a bucket of fish. I will give them a fishing pole and show them where to go but they have to show up and maintain their fishing pole.
    [41:38] At a young age, we might still be looking to find a mentor to help us along the way. But just as quickly as we find one, we have to be ready to be a mentor to those below us.
     
    Mentioned in this episode:
    Sleep Smarter: 21 Essential Strategies to Sleep Your Way to a Better Body, Better Health, and Bigger Success by Shawn Stevenson (book)
    The Model Health Show - Shawn Stevenson (podcast)
     
    More of Shane:
    Instagram: @shanejenne
     
    More of TSIR:
    Find show notes and more at https://www.tsirpodcast.com/
    Follow us on Instagram at https://www.instagram.com/tsirpod/
    47 min
  • High School Sweethearts Share Tips for a Successful Relationship I E3 Jeff & Abby Nickel
    Today’s guests are Jeff and Abby Nickel.
    These high school sweethearts share tips to have a successful relationship.
    We discuss the importance of forgiveness, creating a separate and joint identity, planning a wedding together, and the challenge of buying a house and moving in together.
    Throughout the 10 years of knowing them and watching their relationship grow, they have inspired me to become a better partner.
     
    Key Takeaways:
    [6:30) Humility and forgiveness are the key to a successful relationship
    [9:29] Changes Jeff and Abby had to make in order to make their relationship work
    [11:34] Creating a joint and separate identity
    [17:14] Planning a wedding together
    [21:21] Buying a house and transitioning into living together
    [27:33] How each of them positively influence one another
    [29:05] Advice to their younger siblings on how to have a successful relationship
     
    More of Jeff & Abby:
    Instagram: @abby_rowan_nickel
     
    More of TSIR:
    Find show notes and more at https://www.tsirpodcast.com/
    Follow us on Instagram at https://www.instagram.com/tsirpod/
    41 min
  • When In Doubt, Choose to Be Authentic l E2 Kyle Peters
    Today we are speaking with my brother, Kyle Peters, who is a recent college graduate.
    At first he was destined to become a doctor yet took a left turn when he found what he was really looking for in retail leadership.
     
    Key Takeaways:
    [0:58] Kyle shares why he choose going to college and becoming a doctor
    [3:10] Kyle talks about managing with the uncertainty around his degree choice
    [6:53] Why being authentic is the key to differentiate yourself and find the right job out of college
    [11:00] How Kyle transitioned out of medical sales
    [13:45] Why Target went from a perspective part-time job to the perfect career match 
    [15:43] Kyle's leadership style
     
    More of Kyle:
    LinkedIn: https://www.linkedin.com/in/kylepeters2/
     
    More of TSIR:
    Find show notes and more at https://www.tsirpodcast.com/
    Follow us on Instagram at https://www.instagram.com/tsirpod/
    25 min

About The Struggle is Real: Financial Independence Strategies for Young Adults

From the publisher's feed

This show is for 20-somethings who want to expedite their journey to financial independence.