Worth Listening

Student loans have gone crazy! Payments are starting back up in October and people are desperately trying to figure out what they need to do to prepare. So I’m going to share everything you need to know related to getting ready to start repaying your loans again. There have been a lot of changes so if you have student loans or are thinking about getting student loans, you need to listen to this. 

In the episode, I share:

• Lump sum payments and who shouldn’t be making them

• Steps to take before payments begin in October

• Forgiveness plans and who they’re for

• Why you need to be thinking about your student loan situation

• The coming Income-Driven Repayment tracker

• Why now is the time to take advantage of getting on the right student loan repayment plan

• The difference between consolidation and refinancing

• Why consolidation is not the right fit for everyone

• What refinancing means and why it’s not for everyone

• The new SAVE plan

If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media:

• Instagram: @worthwinning

• Twitter: @worth_winning

• Facebook: @worthwinningfp

• LinkedIn: @lauryn-williams

Mentioned Resources:

Frugal Living and the FIRE Movement, with Travis Hornsby

Visit Student Loan Planner to learn more about student loans and schedule a consultation to discover your best repayment plan.

Please reach out at [email protected] if you’re interested in learning more about bringing a corporate financial wellness presentation to your organization.

If you want to share your money memoir on the podcast, contact us at [email protected].

Today NFL player Kelvin Beachum joins the podcast. Kelvin is a Texas native entering his 12th season. In addition to playing football, he is also a board member, advisor, active technology investor, and philanthropist.

Today Kevin will share with us his money memoir including his entry into the NFL and why he has continued to pursue other opportunities while playing. You will be encouraged and motivated by his message.

In this episode we discuss:

• Living below your means

• How your experiences and exposure change your relationship with money

• That all NFL players aren’t instant millionaires

• The importance of purposeful spending

• How Kelvin got started in the world of Venture Capital 

• Curiosity and the impact of being a life long learner

• The role of networking in financial success and opportunities

• Donor Advised Fund (DAF)

Mentioned Resources:

• www.kelvinbeachum.com

If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media:

• Instagram: @worthwinning

• Twitter: @worth_winning

• Facebook: @worthwinningfp

• LinkedIn: @lauryn-williams

If you want to connect further with Kelvin Beachum:

• LinkedIn: @kb2smu

Today Carrie Nicholson joins Lauryn Williams on the podcast. Carrie is a business manager who enjoys all things money and wealth. Before quitting her job to become full-time self-employed for the past decade, she was a tax accountant and Certified Bookkeeper. In 2018, she sold her first finance blog, Careful Cents, for nearly six figures. Today, she owns multiple online businesses including a YouTube channel about cash budgeting and a Colorado travel blog.

Today Carrie will share with us more about where her interest in finances came from and how she uses her personal financial story to create income while helping others.

In This Episode, They Discuss:

• The balance of serving, ministry, and earning in income

• The trade school option to get into accounting

• How she built and sold a finance blog for freelancers

• How she and her husband are building a travel blog with the intention to sell

• Budgeting, emergency funds, and creating a savings plan

• Cash stuffing and savings challenges

Mentioned Resources:

• Natalie Bacon, Financial Coach

If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media:

• Instagram: @worthwinning

• Twitter: @worth_winning

• Facebook: @worthwinningfp

• LinkedIn: @lauryn-williams

If you want to connect further with Carrie Nicholson:

• Instagram: @carrieconsiders

• YouTube: @carrieconsiders

Summer is here, kids are out of school, people are headed out on vacations, and it’s the time of year when scarcity mindset starts to set in for many. Podcast host and Certified Financial Planner Lauryn Williams shares how this is playing out in her own life right now. She’s also jumping back into the podcast archives to bring back one of her favorite episodes to address scarcity mindset and financial literacy to help change the trajectory of where you want to go financially.

In the episode, Lauryn and guest Claudia Steer discuss:

• What it’s like living with a scarcity mindset.

• What it means to be “house poor” and the importance of understanding your mortgage options.

• The “good debt vs bad debt” myth.

• The importance of financial literacy when it comes to things like student loans, 401k, and financial planning.

• The fact that financial mistakes don’t always equal frivolous spending.

If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media:

• Instagram: @worthwinning

• Twitter: @worth_winning

• Facebook: @worthwinningfp

• LinkedIn: @lauryn-williams

If you want to share your money memoir on the podcast, contact us at [email protected].

The Worth Listening podcast is excited to get back to sharing money memoirs. Listening to the money stories of others allows us to learn from the experience and unique perspectives of others. Sean Johnson-Sippial joins host Lauryn Williams on the podcast to share his money memoir. 

Sean is a self-proclaimed Bitcoin evangelist who found Bitcoin in 2016 and hasn’t looked back.

In this episode, Lauryn and Sean talk about:

• The common theme of entrepreneurship that ran throughout his childhood

• His drive to keep his money and the importance of delayed gratification

• How he fell into Bitcoin as it was emerging

• What Bitcoin is and how it started

• The risk tolerance of Bitcoin and how it compares with other investments

• The importance of having an investment thesis

• Why he’s choosing to focus on Bitcoin in the current economic climate

If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media:

• Instagram: @worthwinning

• Twitter: @worth_winning

• Facebook: @worthwinningfp

• LinkedIn: @lauryn-williams

You can further connect with Sean on Twitter: @stakamoto21

If you want to share your money memoir on the podcast, contact us at [email protected].

It’s time for a Worth Listening update. There are a lot of exciting things in store for the remainder of 2023 and moving forward. Host and Certified Financial Planner Lauryn Williams, is sharing where the podcast is headed and exciting pivots in her financial planning company, Worth Winning.

In this episode, Lauryn talks about:

• The return of additional guests and money memoirs to the podcast

• Where you can find Lauryn & Chloe continuing to break down financial planning

• How a financial retreat can help you organize your finances along with the 2023 locations and what you can expect for 2024 retreats (hint-hint: 2024 locations are being released soon so you can plan early!)

• Workplace financial wellness services

• Money school returning as a 6-week course in October

• Why it’s time for millennials to get their finances in order

If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media:

• Instagram: @worthwinning

• Twitter: @worth_winning

• Facebook: @worthwinningfp

• LinkedIn: @lauryn-williams

If you want to share your money memoir on the podcast, contact us at [email protected].

RESOURCES MENTIONED:

• Financial Checkup

• Corporate Financial Wellness Services

Lauryn is hosting two Welcome to Wealth financial retreats this summer for young professional women. Want to go on an adventure and create a financial plan for your life? Learn more at the links below.

• Medellin, Colombia July 2023

• Bali, Indonesia August 2023

Welcome to Round 2 of the “Know Better, Do Better” series born from the countless conversations two CERTIFIED FINANCIAL PLANNER™ professionals, Lauryn Williams and Chloé Moore, have about the trendy narratives and clickbaity articles that make it hard for them to help their clients. They will take you behind the numbers with real-life examples of financial situations to help you gain confidence and clarity to control your financial destiny.

Credit is a super popular topic. And there’s a myth that because you have good credit, you’re in good financial health. Chloe and Lauryn constantly see people getting taken advantage of by people on social media, promising to help others fix their credit. Your credit score is not the end-all-be-all, and good credit doesn’t mean you have good financial habits.

So, Chloe and Lauryn are going behind the numbers to help you understand what you need to know about credit.

In this episode, Lauryn and Chloé talk about:

• The BIG myth around your credit score

• The details about your credit report and credit score

• What “good” credit actually means, and what it can do for you

• Why a good credit score isn’t an indicator of financial health

• How to check your credit report three times a year & why you should

• Types of credit

• How to be smart with credit

• What to think about before “credit card hacking”

If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media:

• Instagram: @worthwinning

• Twitter: @worth_winning

• Facebook: @worthwinningfp

• LinkedIn: @lauryn-williams

If you want to connect further with Chloé Moore:

• Instagram: @financialstaples

• Twitter: @finstaples

• Facebook: @finstaples

• LinkedIn: @chloemoore

Shared quote: 

“It’s foolish to buy something that’s overpriced; more foolish, if it’s unnecessary; and even more foolish, to buy it on credit.” ― Mokokoma Mokhonoana  

RESOURCES MENTIONED:

• Annual Credit Report

• I'm a financial planner, and I think my credit-score obsessed clients are focusing on the wrong thing

• Credit Scores & Credit Monitoring

• What is a FICO score?

Lauryn is hosting two Welcome to Wealth financial retreats this summer for young professional women. Want to go on an adventure and create a financial plan for your life? Learn more at the links below.

• Medellin, Colombia July 2023

• Bali, Indonesia August 2023

Welcome to Round 2 of the “Know Better, Do Better” series born from the countless conversations two CERTIFIED FINANCIAL PLANNER™ professionals, Lauryn Williams and Chloé Moore, have about the trendy narratives and clickbaity articles that make it hard for them to help their clients. They will take you behind the numbers with real-life examples of financial situations to help you gain confidence and clarity to control your financial destiny.

Is generational wealth really as good as we think it is? 70% of wealthy families lose their wealth within one generation, while 80% of today’s millionaires made their money on their own. If you want to create generational wealth in your family, Lauryn and Chloe are sharing what you need to know about creating generational wealth and helping your future generations retain it. 

In this episode, Lauryn and Chloé talk about:

• The definition of “generational wealth”

• Major challenges to building generational wealth

• Importance of gaining financial literacy

• Why you shouldn’t be afraid to educate yourself & invest in financial literacy

• Simple financial skills you can teach your children

• Dealing with the obligation of giving money to family

• Impact of the wage gap on generational wealth

• How to make the most of income increases

• Negotiating your income

• Why estate plans are essential

• What entrepreneurs need to know about building generational wealth

If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media:

• Instagram: @worthwinning

• Twitter: @worth_winning

• Facebook: @worthwinningfp

• LinkedIn: @lauryn-williams

If you want to connect further with Chloé Moore:

• Instagram: @financialstaples

• Twitter: @finstaples

• Facebook: @finstaples

• LinkedIn: @chloemoore

Shared quote: 

“Money isn’t about buying bigger and better things. It’s about being prepared to take care of your family.” – Unknown 

RESOURCES MENTIONED:

• Boomers have more wealth ‘than any other generation,’ but millennials may not inherit as much as they hope

• Negotiate Anything Podcast

• Worth Listening Episode #112: First Generation Wealth Builders Tax

Lauryn is hosting two Welcome to Wealth financial retreats this summer for young professional women. Want to go on an adventure and create a financial plan for your life? Learn more at the links below.

• Medellin, Colombia July 2023

• Bali, Indonesia August 2023

Welcome to Round 2 of the “Know Better, Do Better” series born from the countless conversations two CERTIFIED FINANCIAL PLANNER™ professionals, Lauryn Williams and Chloé Moore, have about the trendy narratives and clickbaity articles that make it hard for them to help their clients. They will take you behind the numbers with real-life examples of financial situations to help you gain confidence and clarity to control your financial destiny.

Socially responsible investing is a trendy topic, but many are overlooking the positive impact of spending with purpose. Lauryn and Chloe are sharing ways you can be more intentional with your spending and finances 

In this episode, Lauryn and Chloé talk about:

• The importance of incorporating your core values and goals into your financial plan

• Ways to support small businesses and local businesses

• The impact of keeping your money within your community (and how you can define what your community is)

• Realigning your spending and socially responsible investing

• Questions to ask yourself before spending money with a company

• How to be intentional about your giving

• Things to think about when you want to tithe and being a good steward of your money

• Other ways you can give if you can’t give financially

• Questions to ask yourself so you can spend more intentionally

• Setting an example of your children in how you spend

If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media:

• Instagram: @worthwinning

• Twitter: @worth_winning

• Facebook: @worthwinningfp

• LinkedIn: @lauryn-williams

If you want to connect further with Chloé Moore:

• Instagram: @financialstaples

• Twitter: @finstaples

• Facebook: @finstaples

• LinkedIn: @chloemoore

Shared quote: 

“Too many people spend money they haven’t earned to buy things they don’t want, to impress people they don’t like.” – Will Rogers

“We make a living by what we get, but we make a life by what we give.” ― Winston Churchill

RESOURCES MENTIONED:

• 56% of Americans Donated to Charity in 2021, at Average of $574

• 6 Simple Rules on Spending Money Intentionally

• Is Minimalism an Indicator of Financial Stability?

• How Much Should You Give to Charity?

• How I Created My Own Charitable Giving Plan

Lauryn is hosting two Welcome to Wealth financial retreats this summer for young professional women. Want to go on an adventure and create a financial plan for your life? Learn more at the links below.

• Medellin, Colombia July 2023

• Bali, Indonesia August 2023

Lauryn is hosting two Welcome to Wealth financial retreats this summer for young professional women. Want to go on an adventure and create a financial plan for your life? Learn more at the links below.

• Medellin, Colombia July 2023

• Bali, Indonesia August 2023

Welcome to Round 2 of the “Know Better, Do Better” series born from the countless conversations two CERTIFIED FINANCIAL PLANNER™ professionals, Lauryn Williams and Chloé Moore, have about the trendy narratives and clickbaity articles that make it hard for them to help their clients. They will take you behind the numbers with real-life examples of financial situations to help you gain confidence and clarity to control your financial destiny.

Are you thinking about working with a financial planner but don’t know where to start? Chloe and Lauryn are sharing what you need to know about working with a financial professional. They’re talking all about what kind of financial professional you should work with and how to know when you’re ready to work with one. 

In this episode, Lauryn and Chloé talk about:

• What financial planners do and how they help you

• When you need to start working with a financial planner and why it’s before you have a bunch of extra money to invest

• The types of financial planners in the industry  

• 6 questions to ask yourself when thinking about working with a financial planner

• How a financial planner can help you when making major life decisions

• Signs you’re not ready to work one-on-one with a financial planner

• Things to avoid when working with a financial planner

• The terms to learn before finding a financial planner

If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media:

• Instagram: @worthwinning

• Twitter: @worth_winning

• Facebook: @worthwinningfp

• LinkedIn: @lauryn-williams

If you want to connect further with Chloé Moore:

• Instagram: @financialstaples

• Twitter: @finstaples

• Facebook: @finstaples

• LinkedIn: @chloemoore

Shared quote: 

“To profit from good advice requires more wisdom than to give it.” - Wilson Mizner

“Change is painful, but nothing is as painful as staying stuck somewhere you don’t belong.” - Mandy Hale

RESOURCES MENTIONED:

• Questions to Ask a Financial Planner

• Three Overlooked Benefits Of Working With A Financial Advisor

• The value of working with a financial advisor

• 7 red flags that signal it may be time to dump your financial adviser in 2023

• XY Planning Network

• Fee Only Network

• The National Association of Personal Financial Advisors (NAPFA)