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

  • How I Avoid Burnout: Selfish Sundays | E90 Anastasia Barbuzzi

    Have you felt like you’ve been burning the candle at both ends? Are you trying to do too many things and feeling burnout?

    Maybe you need a Selfish Sunday.

    Cara Hays initially introduced me to this concept of Selfish Sundays. It’s pretty simple - she spends Sunday doing things for herself and she doesn’t judge herself for it. She might meal prep, do laundry, or just binge watch a TV show. Whatever she needs from herself on Sundays is what she does.

    I loved the idea so much that I stole it for myself, and it has really helped me with burnout. I was recently on my friend Anastasia Barbuzzi’s podcast, $HMoney Radio, talking about my Selfish Sundays. I wanted to share this with you in case you were looking for some inspiration and ideas on how you could overcome burnout.

    Key Takeaway:

    • How Selfish Sunday’s might help you avoid burnout

    More of Anastasia Barbuzzi:

    Instagram: https://www.instagram.com/shmoneyradio/

    Linktr.ee: https://linktr.ee/shmoneyradio

    Website: https://www.shmoney.club/


    More of The Struggle is Real:

    Find show notes and more at https://www.tsirpodcast.com/

    Follow us on Instagram at https://www.instagram.com/tsirpod/


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    13 min
  • 8 Steps to Being Healthier than 90% of People | E89 Dr. Judson Brandeis

    We all dread it but that day eventually comes. It might be a cough that won’t go away, a potential sprained ankle, or you’re questioning a weird bump on your arm. We have no other option. We have to go see a doctor.

    How do I book an appointment again? Where’s my insurance card? How much is this going to cost me?


    Healthcare is confusing, frustrating, and overly complex. I do my best to avoid having to see a doctor but sometimes it is just unavoidable. I have to put on my big boy pants and figure it all out.


    This is the unglamorous part of being an adult. But with a little help, we can do this.


    And our help today is Dr. Judson Brandeis who is here to give us some insight on how the healthcare industry works.


    My favorite takeaway was how to better prepare for your next doctor’s visit. Apparently the average doctor’s visit is 16 minutes 14 seconds so if you come prepared with the right notes and documentation, not only will you be able to make the most of your time but these busy professionals will take you seriously too.


    Dr. Brandeis has an extensive list of credentials including being named Top Urologist in San Francisco, a national leader in technology and innovations in sexual medicine, the author of The 21st Century Man. Aside from some healthcare 101, we spend the second half of this conversation discussing how to be healthier than 90% of people and what your 20-something self can do to help out future you.


    Key Takeaways:

    • How to better prepare for your doctor's visit 
    • How to find a primary care physician
    • How to be healthier than 90% of people
    • Using the ABC method to build your body for life
    • Why you should consider limiting your alcohol intake
    • How drinking leads to being overweight
    • The single most important factor to your longevity
    • What you can do in your 20s to prevent erectile dysfunction 
    • Performance enhancing drugs and penis health


    More of Dr. Judson Brandeis:

    The 21st Century Man (book): https://thetwentyfirstcenturyman.com/

    Judson’s E-Books: https://brandeismd.com/ebooks/


    More of The Struggle is Real:

    Find show notes and more at https://www.tsirpodcast.com/

    Follow us on Instagram at https://www.instagram.com/tsirpod/


    59 min
  • What LeBron James Taught Me About Success | E88

    LeBron James recently broke the NBA’s all-time scoring record. It was an amazing moment to watch and an impressive feat.

    But reading about this achievement, I uncovered an even more impressive LeBron record.

    What was the record and what did I learn from it? Tune in to find out.


    More of The Struggle is Real:

    Find show notes and more at https://www.tsirpodcast.com/

    Follow us on Instagram at https://www.instagram.com/tsirpod/

    7 min
  • Build a 6-Figure Net Worth in Your 20s | E87 Mills Bender

    When I started my first “big boy” job, I signed up for our 401K program. HR handed me this packet of papers and essentially said good luck.

    I remember sitting at my kitchen table that night trying to make sense of fund names, historical yields, and asset allocation charts.

    Nothing will make you realize school did not prepare you for the real world like that kind of moment. I remember thinking, wow I’m never going to understand this. When I have money, I need to hire someone to make these decisions for me.


    But I didn’t need a pricey advisor or even fancy software. I needed financial education so I could feel comfortable and confident in my choices.


    I thought it was going to take decades of experience or even having to go back to college to get a degree in finance but once I got serious, it only took me about a year of learning and practicing before I felt like I could handle the money choices that life threw at me.


    Today’s guest would argue that with her guidance, you’d only need 90 days to master your money and after getting to know her, I believe it.


    In her early 20s, Mills Bender was lost when it came to money. So lost that she woke up one day with $1.50 in her bank account. Mills started to demystify and understand the different facets of money. Now she helps others do the same through her financial coaching business, Mills Knows Bills.


    In this conversation, we cover a lot of money concepts including the cost of delaying investing, the 4 money mindsets, and creating a budget that reflects your priorities. We also discuss how to turn your passion into a business - something Mills has a little experience with.


    Key Takeaways:

    • The cost of delaying investing
    • How to set up your 401K at work
    • Hiring employees based on skill set and value alignment
    • How to turn your passion into a business
    • Land a mentor to accelerate your learning
    • The 4 money mindsets and how to identify which bucket you are in
    • Creating a budget that is a reflection of your priorities


    Mentions:

    I Will Teach You to Be Rich by Ramit Sethi: https://www.amazon.com/Will-Teach-You-Rich-Second-dp-1523505745/dp/1523505745/ref=dp_ob_image_bk

    Fearless Money Mindset by Arian Simone: https://www.amazon.com/Fearless-Money-Mindset-Broke-Doesnt/dp/173483000X


    More of Mills:

    Website: www.millsknowsmills.com

    Instagram: www.instagram.com/millsknowsbills/

    YouTube: www.youtube.com/channel/UCK5C-sp5RaFeFg-LuczmMoA

    Debt Payoff Webinar: https://view.flodesk.com/pages/63ecee3e8e06d4dae9494316


    More of The Struggle is Real:

    Find show notes and more at https://www.tsirpodcast.com/

    Follow us on Instagram at https://www.instagram.com/tsirpod/

    49 min
  • The Hot 100 List: How I Network Effectively | E86
    You meet someone amazing and you have the best intention to stay in touch with them only to find years have gone by and you totally dropped the ball.
    You want to reach out now but it feels awkward and you overthink it. You never reach out and this potential friend, business partner, or employer just drifts out of your life.
    Staying connected with your network doesn’t need to be a challenge.
    In this episode, I want to share a tool I use to stay top of mind with my network and walk you through the step-by-step process on how to create, manage, and execute a “hot 100 list.”
    Key Takeaways:
    Why a process for remembering to reach out is important
    How to create a hot 100 list
    A script for what to say when you reach out
    More of The Struggle is Real:
    Find show notes and more at https://www.tsirpodcast.com/
    Follow us on Instagram at https://www.instagram.com/tsirpod/
    9 min
  • Spice Up Your Sex Life with a Sex Life Bucket List | E85 Susan Bratton
    Has the sexual chemistry in your relationship turned dull?
     
    Bedroom boredom is a really common issue in relationships so it is nothing to beat yourself up about. We get comfortable in our patterns. The same positions, techniques, and places although great at first, become predictable and eventually boring.
     
    I don’t need to ask a stupid rhetorical question here. I know you don’t want to have a boring sex life. Nobody wants that. So let’s reignite some excitement in the bedroom.
     
    But we know it’s not that simple or we’d be doing it already. How do I talk to my partner about this and once they’re on board, what do we do to “spice things up?”
     
    What if you had a list of ideas and someone to help bridge that conversation with you and your partner? Insert fan favorite guest, Susan Bratton, who first appeared on episode 63.
     
    Susan is back on to share something she created to help us with this exact problem: a sex life bucket list. In this conversation, Susan will walk you through how to create and use your sex life bucket list.
     
    Of course, if I have an hour with Susan, I’m not going to miss the opportunity to ask for some tips and techniques as well. We get into some hot and heavy conversations about ejaculatory choice, how to be louder in the bedroom, and how to share feedback to your partner that leaves them feeling encouraged.
     
    Finally, if you’re lacking confidence in your body, you’ll want to stay tuned in until the end because Susan brings it home with a reassuring monologue.
     
    Key Takeaways:
    Why you should care about your sex if you want to live a healthy life
    How to make a sexual offer that she says yes to
    Ideas for erotic play dates
    Using the Me Breathe to get ejaculatory choice
    How to be louder in the bedroom
    How to have better penis technique
    How to share feedback to your partner that leaves them feeling encouraged
    Building confidence in your body
     
    Mentions:
    Susan Bratton on TSIR Part 1: www.tsirpodcast.com/63
     
    More of Susan:
    www.sexlifebucketlist.com
    www.FemaleLiquidOrgasm.com
    www.gspotjoy.com
    www.BetterLover.com
    www.PumpingGuide.com
    www.PersonalLifeMedia.com
    www.SexualSoulmatePact.com
    www.ExpandHerOrgasm.com
     
    More of The Struggle is Real:
    Find show notes and more at https://www.tsirpodcast.com/
    Follow us on Instagram at https://www.instagram.com/tsirpod/
    52 min
  • Practical Tips to Take the Stress Out of 1st Dates | E84 Cara Hays
    It might just be my circle but so many of my friends are recently single and I’m hearing the war stories of 1st dates. From coordinating plans, getting catfished, talking to a brick wall, and awkward goodbyes, I gotta say, I’m not jealous.
    Being in a long-term monogamous relationship has its struggles, but taking Gaby out on a date is not (usually) an exasperating process.
    I think it is totally justifiable and I see why this stress would keep you wavering in and out of the dating scene. I have thoughts and I’d love to help but being in a committed relationship for the last 5 years hasn’t left me with very little practical experience to share on this struggle.
    But our former guest, Cara Hays had a lot of great ideas so we pulled a clip from her interview, episode 43, where she shared practical tips on how to make 1st dates less stressful and more enjoyable.
    Key Takeaways:
    A simple strategy to make sure the date doesn’t go too long
    How to take the stress out of what to wear
    Mentions:
    Cara Hays’ original episode on TSIR: www.tsirpodcast.com/43
    More of Cara:
    Website: https://www.carahays.com/
    More of The Struggle is Real:
    Find show notes and more at https://www.tsirpodcast.com/
    Follow us on Instagram at https://www.instagram.com/tsirpod/
    10 min
  • Write a Resume That Actually Gets Noticed by Recruiters | E83 Jenny Foss
    I’m talking to my friend Jenny Foss who is a Job Search Strategist who has been in the game for quite a while helping people navigate job searches, advance their careers, and make career pivots.
     
    We start with how to bridge the gap between the job you have and the job you want. Jenny shares the secrets of what makes a great resume and I’ll give you a spoiler, it is not Times New Roman, on 1-inch margins, on one-page. She has way more useful advice than that.
     
    At the end of our conversation, Jenny breaks down a step-by-step process to ask someone and conduct a successful informational interview. 
     
    I’ve always hated writing cover letters, but Jenny walked me through a simple framework for writing a cover letter so they don’t sound generic and actually showcase your value as a candidate.
     
    I hope you enjoy my conversation with the career consultant and newly published author of Do This, Not That Career….Jenny Foss.
     
    Key Takeaways:
    How to job craft your current role
    How to bridge the gap between the job you have and the job you want
    What makes a great resume
    How to write a compelling cover letter
    How to make sure your resume makes it through resume scanning software
    Use information interviews to land a job with your dream company
    How to share your accomplishments without coming across as bragging
    Are pay transparency laws working?
     
    Mentions:
    Using Job Crafting to Increase Your Career Satisfaction l E21 Dr. Benjamin Ritter - www.tsirpodcast.com/21
     
    More of Jenny:
    Do This, Not That: Career: https://www.simonandschuster.com/books/Do-This-Not-That-Career/Jenny-Foss/Do-This-Not-That/9781507219669
    LinkedIn Newsletter: https://www.linkedin.com/pulse/how-ask-make-most-informational-interview-jenny-foss/?trackingId=ySRyz0xfS9acXbdDF6XVEQ%3D%3D
    Website: www.jobjenny.com
     
    More of The Struggle is Real:
    Find show notes and more at https://www.tsirpodcast.com/
    Follow us on Instagram at https://www.instagram.com/tsirpod/
    55 min
  • Screw Quitters Day. 3 Tips to Get Back on Track with Your 2023 Goals | E82
    Where are you at with your 2023 New Year’s resolutions?
    Are things going better than ever? Awesome!
    But if you’re like the majority of people, your goals might be wavering or even worse, you might have completely abandoned them.
    The good news is the year is still young. We have plenty of time to get back on track with our 2023 goals and in this episode, we’ll discuss 3 tips for doing just that.
    Key Takeaways:
    Making your goals sustainable
    Opt-out versus opt-in method
    Why you should find an accountability partner
    More of The Struggle is Real:
    Find show notes and more at https://www.tsirpodcast.com/
    Follow us on Instagram at https://www.instagram.com/tsirpod/
    12 min
  • Make More Than .01% Interest From Banks | E81 Jeremy Keil
    19 cents. That’s how much in interest that my bank paid me in 2022.
    I’m not sure if that makes me want to cry, yell, or laugh but those are none of the feelings that I want to have when it comes to calculating my annual bank interest.
    The good news is, I don’t keep a ton of money in my savings account. Simply a couple thousand dollars that acts as an emergency fund.
    But that comical calculation would make me furious if I had tens of thousands of dollars in my savings account.
    The last few years have shown us the real impact of inflation. An item that cost $100 in 2020 cost roughly $115 today using the average cumulative rate of inflation.
    What does that mean? Just to break even, you want your money keeping up at the same rate. 19 cents isn’t going to do that for me.
    Luckily Jeremy Keil is here to give us some strategies on how we can make more interest from our savings.
    We also talk about how much money you should have in your bank account, what are I bonds and how you can use them for short savings, and why, even as a young adult, you shouldn’t discount social security in your retirement plan.
    Key Takeaways:
    Why are interest rates continuing to go up?
    How is inflation calculated?
    How much money should I have in my bank account?
    How to find the best bank account interest rates?
    Automate your bank savings rate using maxmyinterest.com
    What are I bonds and how to use them to get more interest out of your savings
    Where to buy I bonds
    What are treasury bonds?
    How to negotiate your interest rates with your current bank
    Why social security is going to be around for you when you get older
    How is social security calculated
    How to fix social security
    Ask better questions with motivational interviewing
    Mentions:
    www.bankrate.com
    www.maxmyinterest.com
    www.treasurydirect.gov
    More of Jeremy:
    www.retirement-revealed.com
    More of Justin & The Struggle is Real:
    Find show notes and more at https://www.tsirpodcast.com/
    Follow us on Instagram at https://www.instagram.com/tsirpod/
    59 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.