Thrive With Money Podcast

Money scripts are unconscious beliefs about money that impact our financial behaviors and perspectives as adults. On today’s episode, we talk about how to uncover and rewrite your money scripts, which will help improve your overall financial health.

In this episode we talk about:

• Money scripts & money beliefs
• Rewriting your money beliefs
• Journal prompts to begin working through to help improve your money mindset

Sources/Additional Reading

• Forbes: Are your money beliefs holding you back?
• Psychology Today: Four "Money Scripts"
• Your Mental Wealth Advisors: Your Money Script
• Wired for Wealth by Brad Klontz, Ted Klontz, and Rick Kahler
• How Clients' Money Scripts Predict Their Financial Behaviors
• PBS: Money habits are set by age 7.
• Clarity Wealth Development: What's your money script?

Apply for the Wealth Building Bootcamp 👇🥳

The Wealth Building Bootcamp: A 12-week group coaching experience designed to teach you how to build wealth, pay off debt, and live the life of your dreams. As of the release date of this episode (March 17, 2022), there are THREE SPOTS available in the program!

FREE Resources by Save Live Thrive™

• 2022 Goal Setting Workshop Workbook 
• Organize Your Finances Workbook
• Mini Digital Budget Planner

Products by Save Live Thrive™:

• Digital Budget Planners
• The Budget Pro Spreadsheet

If you are brand new to the SLT community, don't forget to connect with us and make this newfound friendship official!

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Help the Thrive With Money Podcast grow! Follow this link to leave a review.

Disclaimer: The content and information provided on this podcast is for educational purposes only and does not constitute professional financial, legal, or tax advice. For recommendations on your specific financial situation, you must additionally seek the services of an appropriate licensed legal, accounting, tax, or investment professional.

Music written by Chris Glassman

In today’s podcast episode, we are joined by Sami Womack, financial coach and founder of A Sunny Side Up Life, who reveals how she and her husband went from $490,000 in debt to debt-free in three years. 

Today, Sami works with women all over the world to live their best lives by teaching goal setting and budgeting techniques. Listen in as Sami shares her inspiring story about her debt-free journey!

In this episode we talk about:

• The realities of a debt-free journey
• Living a minimalist and intentional life
• Deciding what types of expenses to cut back on
• Spending intentionally
• Sinking funds

Connect with Sami

• Website
• Instagram: @asunnysideuplife
• Podcast

FREE Resources by Save Live Thrive™

• 2022 Goal Setting Workshop Workbook
• Organize Your Finances Workbook
• Mini Digital Budget Planner

Products by Save Live Thrive™:

• Digital Budget Planners
• The Budget Pro Spreadsheet

Financial Education Programs by Save Live Thrive™

The Wealth Building Bootcamp: A 12-week group coaching experience designed to teach you how to build wealth, pay off debt, and live the life of your dreams.

If you are brand new to the SLT community, don't forget to connect with us and make this newfound friendship official!

Follow on Instagram
Follow on TikTok
Join our Newsletter

Help the Thrive With Money Podcast grow! Follow this link to leave a review.

Disclaimer: The content and information provided on this podcast is for educational purposes only and does not constitute professional financial, legal, insurance, or tax advice. For recommendations on your specific financial situation, you must additionally seek the services of an appropriate licensed legal, accounting, tax, insurance, or investment professional.

Music written by Chris Glassman

You asked, I answered! Today’s podcast episode answers questions asked by our Instagram community.

In this episode we talk about:

• How to pick an idea for a side hustle
• Budgeting on a low income
• Is disability insurance worth it? 
• How to decide which debt to pay off first

Sources/Additional Reading:

• NerdWallet: Disability Insurance - Why You Need It and How to Get It
• Investopedia: Top 5 Reasons Why People Go Bankrupt
• Guardian: What's the difference between long term and short term disability insurance?
• Council for Disability Awareness: Disability Statistics
• Money Under 30: Why Disability Insurance Is The Most Important Financial Product You Didn't Realize You Needed

FREE Resources by Save Live Thrive™

• 2022 Goal Setting Workshop Workbook 
• Organize Your Finances Workbook
• Mini Digital Budget Planner

Products by Save Live Thrive™:

• Digital Budget Planners
• The Budget Pro Spreadsheet

Financial Education Programs by Save Live Thrive™

The Wealth Building Bootcamp: A 12-week group coaching experience designed to teach you how to build wealth, pay off debt, and live the life of your dreams.

If you are brand new to the SLT community, don't forget to connect with us and make this newfound friendship official!

Follow on Instagram
Follow on TikTok
Join our Newsletter

Help the Thrive With Money Podcast grow! Follow this link to leave a review.

Disclaimer: The content and information provided on this podcast is for educational purposes only and does not constitute professional financial, legal, insurance, or tax advice. For recommendations on your specific financial situation, you must additionally seek the services of an appropriate licensed legal, accounting, tax, insurance, or investment professional.

Music written by Chris Glassman

On today’s episode, we talk about the similarities between time and money and how to manage them both more effectively in your daily life.

In this episode we talk about:

• The similarities between time and money
• Prioritizing your time and money
• How to manage your time and money better

FREE Resources by Save Live Thrive™

• 2022 Goal Setting Workshop Workbook 
• Organize Your Finances Workbook
• Mini Digital Budget Planner

Products by Save Live Thrive™:

• Digital Budget Planners
• The Budget Pro Spreadsheet

Financial Education Programs by Save Live Thrive™

The Wealth Building Bootcamp: A 12-week group coaching experience designed to teach you how to build wealth, pay off debt, and live the life of your dreams.

If you are brand new to the SLT community, don't forget to connect with us and make this newfound friendship official!

Follow on Instagram
Follow on TikTok
Join our Newsletter

Help the Thrive With Money Podcast grow! Follow this link to leave a 5-star review.

Disclaimer: The content and information provided on this podcast is for educational purposes only and does not constitute professional financial, legal, or tax advice. For recommendations on your specific financial situation, you must additionally seek the services of an appropriate licensed legal, accounting, tax, or investment professional.

Music written by Chris Glassman

Sarah Sprague Gerber, AFC®, is joining us today to talk about tax season and some common misconceptions and mistakes people have about the United States tax system.

In This Episode We Talk About:

• Mistakes people make with their taxes
• Common misconceptions people have about the US tax system
• Tax deadlines

Educational Resources Mentioned

• Internal Revenue Service (IRS) Official Website
• SmartAsset: Federal Income Tax Calculator
• Tax Foundation (great educational resource!)

Splitwise App - great for tracking shared expenses with friends, groups, and family.

Where to find Sarah:

• Instagram at @momentumfinancialcoach
• https://momentumfinancialcoaching.com/

FREE Resources by Save Live Thrive™

• 2022 Goal Setting Workshop Workbook 
• Organize Your Finances Workbook
• Mini Digital Budget Planner

Products by Save Live Thrive™:

• Digital Budget Planners

Financial Education Programs by Save Live Thrive™

The Wealth Building Bootcamp: A 12-week group coaching experience designed to teach you how to build wealth, pay off debt, and live the life of your dreams.

If you are brand new to the SLT community, don't forget to connect with us and make this newfound friendship official!

Follow on Instagram
Follow on TikTok
Join our Newsletter

Help the Thrive With Money Podcast grow! Follow this link to leave a 5-star review.

Disclaimer: The content and information provided on this podcast is for educational purposes only and does not constitute professional financial, legal, or tax advice. For recommendations on your specific financial situation, you must additionally seek the services of an appropriate licensed legal, accounting, tax, or investment professional.

Music written by Chris Glassman

In today's episode, we're talking about compound interest and how it can help you build wealth faster or keep you in debt longer.

CALCULATORS (and how I calculated the examples in this episode)

Bankrate Credit Card Calculator

• Credit Card Balance: $6,194
• Interest Rate: 17%
• How minimum payment is calculated: 3% of balance

Investor.gov Compound Interest Calculator

First, I calculated the first 10 years of the three hypothetical women's investment:

• Initial Investment: $500
• Monthly Contribution: $500
• Length of time in years: 10
• Estimated Interest Rate: 8%
• Interest rate variance range: 2%
• Compound Frequency: Monthly

Then, I took the final age that each hypothetical woman made their last investment, and subtracted it from the age of 65 to see the impact that time would have on the $92,582.84 they would have based on the calculation above.

To do this, my inputs into the calculator looked like this:

• Initial Investment: $92,582.84
• Monthly Contribution: $0
• Length of time in years: 65 minus the hypothetical woman stopped contributing to the investment
• Estimated Interest Rate: 8%
• Interest rate variance range: 2%
• Compound Frequency: Monthly

SOURCES:
CNBC - Average Credit Card Balance By State
The Ascent - How Does Compound Interest Work?
Vanguard - How risk, reward & time are related

FREE Resources by Save Live Thrive™

• 2022 Goal Setting Workshop Workbook 
• Organize Your Finances Workbook
• Mini Digital Budget Planner

Products by Save Live Thrive™:

• The Budget Pro Spreadsheet
• Digital Budget Planners

Financial Education Programs by Save Live Thrive™

The Wealth Building Bootcamp: A 12-week group coaching experience designed to teach you how to build wealth, pay off debt, and live the life of your dreams.

If you are brand new to the SLT community, don't forget to connect with us and make this newfound friendship official!

Follow on Instagram
Follow on TikTok
Join our Newsletter

Help the Thrive With Money Podcast grow! Follow this link to leave a 5-star review.

Disclaimer: The content and information provided on this podcast is for educational purposes only and does not constitute professional financial, legal, or tax advice. For recommendations on your specific financial situation, you must additionally seek the services of an appropriate licensed legal, accounting, tax, or investment professional.

Music written by Chris Glassman

In today's episode, we talk about whether or not it's *actually* bad to spend money, and how to release feelings of guilt and shame when spending each month.

In This Episode We Talk About:

• How to spend in alignment with the things that matter to you
• How to release feelings of guilt and shame when it comes to spending
• How to create a spending plan (AKA a budget) that allows you to spend guilt-free

The 6 areas to release guilt around spending discussed in this episode was inspired by this post from Business Insider by Tanza Loudenback.

FREE Resources by Save Live Thrive™

• 2022 Goal Setting Workshop Workbook 
• Organize Your Finances Workbook
• Mini Digital Budget Planner

Products by Save Live Thrive™:

• The Budget Pro Spreadsheet
• Digital Budget Planners

Financial Education Programs by Save Live Thrive™

The Wealth Building Bootcamp: A 12-week group coaching experience designed to teach you how to build wealth, pay off debt, and live the life of your dreams.

If you are brand new to the SLT community, don't forget to connect with us and make this newfound friendship official!

Follow on Instagram
Follow on TikTok
Join our Newsletter

Help the Thrive With Money Podcast grow! Follow this link to leave a 5-star review.

Disclaimer: The content and information provided on this podcast is for educational purposes only and does not constitute professional financial, legal, or tax advice. For recommendations on your specific financial situation, you must additionally seek the services of an appropriate licensed legal, accounting, tax, or investment professional.

Music written by Chris Glassman

In today's episode, Charlotte talks about what F*ck You Funds are, and why they're an important goal to set with your finances to give you additional freedom, security, and flexibility with your money (and therefore your life)

In This Episode We Talk About:

• F*ck You Funds
• Emergency Funds
• How to start saving for an Emergency & F*ck You Fund

Resources, Sources Mentioned, & Additional Reading

• NerdWallet High Yield Savings Account Comparison
• A Story of A Fuck Off Fund by Paulette Perhach (an incredibly moving post)
• 2018 Survey by Glamour
• Survey by PYMNTS and Lending Club

FREE Resources by Save Live Thrive™

• 2022 Goal Setting Workshop Workbook 
• Organize Your Finances Workbook
• Mini Digital Budget Planner

Products by Save Live Thrive™:

• The Budget Pro Spreadsheet
• Digital Budget Planners

Financial Education Programs by Save Live Thrive™

The Wealth Building Bootcamp: A 12-week group coaching experience designed to teach you how to build wealth, pay off debt, and live the life of your dreams.

If you are brand new to the SLT community, don't forget to connect with us and make this newfound friendship official!

Follow on Instagram
Follow on TikTok
Join our Newsletter

Help the Thrive With Money Podcast grow! Follow this link to leave a 5-star review.

Disclaimer: The content and information provided on this podcast is for educational purposes only and does not constitute professional financial, legal, or tax advice. For recommendations on your specific financial situation, you must additionally seek the services of an appropriate licensed legal, accounting, tax, or investment professional.

Music written by Chris Glassman

Financial educator & creator, Chloe Daniels from Clo Bare Money Coach, is joining us today to talk about her journey to landing 4 promotions in 3 years, increasing her income, and shifting her focus from paying off debt ASAP to building wealth.

In This Episode We Talk About:

• Preparing to ask for a promotion
• Negotiating a raise in your salary
• Determining a price point for your side hustle
• Building your money mindset
• Action steps to take with your money after increasing your income
• Paying off debt vs. investing
• Spending in a way that aligns with your values

Where to find Chloe:

• Instagram and TikTok at @clobaremoneycoach
• https://clobare.mykajabi.com/opt-in

FREE Resources by Save Live Thrive™

• 2022 Goal Setting Workshop Workbook 
• Organize Your Finances Workbook
• Mini Digital Budget Planner

Products by Save Live Thrive™:

• Digital Budget Planners

Financial Education Programs by Save Live Thrive™

The Wealth Building Bootcamp: A 12-week group coaching experience designed to teach you how to build wealth, pay off debt, and live the life of your dreams.

If you are brand new to the SLT community, don't forget to connect with us and make this newfound friendship official!

Follow on Instagram
Follow on TikTok
Join our Newsletter

Help the Thrive With Money Podcast grow! Follow this link to leave a 5-star review.

Disclaimer: The content and information provided on this podcast is for educational purposes only and does not constitute professional financial, legal, or tax advice. For recommendations on your specific financial situation, you must additionally seek the services of an appropriate licensed legal, accounting, tax, or investment professional.

Music written by Chris Glassman

HAPPY NEW YEAR! Today we're talking about how to take consistent action towards your financial goals in the new year.

This episode talks about:

• Money mindset
• Money beliefs
• Setting financial goals that are based on your core values
• Taking actions with your finances that are aligned with your core values
• Reverse engineering the steps to take to achieve your financial goals

Missed the FREE 2022 Financial Goal Setting Workshop? You can still follow the exercises and activities inside the workbook!

Download the workbook here:
https://savelivethrive.ck.page/a6f38f0dd8

FREE Resources by Save Live Thrive™

• Organize Your Finances Workbook
• Mini Digital Budget Planner

Products by Save Live Thrive™:

• Digital Budget Planners

Financial Education Programs by Save Live Thrive™

The Wealth Building Bootcamp: A 12-week group coaching experience designed to teach you how to build wealth, pay off debt, and live the life of your dreams.

If you are brand new to the SLT community, don't forget to connect with us and make this newfound friendship official!

Follow on Instagram
Follow on TikTok
Join our Newsletter

Help the Thrive With Money Podcast grow! Follow this link to leave a 5-star review.

Disclaimer: The content and information provided on this podcast is for educational purposes only and does not constitute professional financial, legal, or tax advice. For recommendations on your specific financial situation, you must additionally seek the services of an appropriate licensed legal, accounting, tax, or investment professional.

Music written by Chris Glassman