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    Miss Findependent

    Teaching women financial literacy, and helping them be more confident investors, entrepreneurs or go further in their careers.
    en72 Episodes

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    Episodes (72)

    Learn How To Take Risks and How I Almost Lost $80K on Inventory

    Learn How To Take Risks and How I Almost Lost $80K on Inventory

    Taking risks is hard. Especially for women because we are biologically programmed to have less testosterone, and that affects the way we respond to stressful situations. 


    Studies show that the propensity for risk taking decreases for women, when we encounter stress, but actually increases for men. Even though we’re programmed this way, it doesn’t mean we can’t reprogram our mind to actually take more calculated risks. 


    In this episode I provide actionable tips for how you can learn to take risks and manage uncertainty. I also explain how to take risks to exit a business or situation that isn’t serving you and how you know when the right time to quit is. 


    Winners quit all the time… they just quit at the right things. 


    Here’s more of what I get into: 


    2:57 - Find Your Why

    5:00 -  Start Small

    9:57 - Know Your Business (or the situation) In and Out

    15:33 - Fear Setting

    19:16 - The Dip

    22:51 - The Cul-De-Sac

    24:09 - The Cliff


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    ✩ CONNECT WITH ME: ✩

    Instagram: @missfindependent

    TikTok: @nikafarb

    Learn more at missfindependent.com

    For contact or business inquiries: media@missfindependent.com


    WTF Do I Do During a Recession?

    WTF Do I Do During a Recession?

    The S&P 500 is down 13% YTD. The yield curve inverted on April 1st 2022. Interest rates are rising. The markets and the news are all “doom and gloom” but how are you as an investor really going to be affected?

    In this episode I break down how to ‘recession proof’ your finances, and actionable ways to take care of your investments, savings and income during this time.


    Here’s what I get into:
     

    1:33 - How inflation is affecting prices

    4:18 - State of the job market

    7:02 - Interest rates & the Fed

    9:24 - WTF is the Yield Curve

    11:07 - Taking a snapshot of your finances

    13:43 - Dealing with market volatility

    15:24 - Career opportunities and levelling up your skill set

    16:04 - Good debt vs. bad debt 

    18:48 - Boosting your credit score

    20:21 - Importance of saving

    22:40 - Recession proofing your investments

     

    Hope you enjoy this one.

    Free Intro To Investing Workshop

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    ✩ CONNECT WITH ME: ✩

    Instagram: @missfindependent

    TikTok: @nikafarb

    Learn more at missfindependent.com

    For contact or business inquiries: media@missfindependent.com


    How to Make $200K/year working in Tech Sales

    How to Make $200K/year working in Tech Sales

    I cannot believe this is my 50th episode, but there’s no better guest that I’d rather have to celebrate this milestone. 

    In this episode I bring on my good friend V. 


    Vahid, who I often call V, is not just the mysterious figure wearing a Guy Fawkes mask you probably recognize. He’s a top performing sales professional who’s built his career from the ground up, starting as a BDR (Business Development Rep), to now being a multi-six figure earning Senior Account Executive. 


    Vahid and I are great friends and we actually met in my condo elevator almost 5 years ago. He referred me to my first sales job, and has drastically changed the trajectory of my life. In this episode we talk about how tech sales has the ability to open countless doors and set someone up for success. 


    Here’s more of what we get into: 

    4:15 - What’s a BDR?

    9:00 - How to Break into Tech Sales

    16:30 - Pros and Cons of working in Sales

    28:26 - The Worst Sales Call

    31:34 - How Sales Opens Doors


    Hope you enjoy this one.

    ✩ CONNECT WITH ME: ✩

    Instagram: @missfindependent

    TikTok: @nikafarb

    Learn more at missfindependent.com

    For contact or business inquiries: media@missfindependent.com



    How to Be a 7 Figure Amazon FBA Wholesale Seller with Mike Sieben

    How to Be a 7 Figure Amazon FBA Wholesale Seller with Mike Sieben

    Welcome back to a new season of Miss Findependent. We're doing things bigger and better than ever this season. New guests, new content, and lots of opportunities to learn how to grow your money.

    In this episode I sit down with Mike Sieben, a 7-figure Amazon FBA Wholesale Seller. He’s also the founder of Elite Wholesale, an education program with ongoing support for new Amazon wholesale sellers. 


    Here’s what we get into: 

    1:17 - Getting into Amazon FBA

    2:05 - What is Wholesale Selling?

    5:58 - Elite Wholesale

    10:57 - The Future of Amazon


    ✩ CONNECT WITH MIKE: ✩

    Instagram: @mmsieben

    Youtube: TheMikeSieben

    Learn more about Elite Wholesale


    ✩ CONNECT WITH ME: ✩

    Instagram: @missfindependent

    TikTok: @nikafarb

    Learn more at missfindependent.com

    For contact or business inquiries: media@missfindependent.com



    Let's Talk Mortgages with Gina Judge - Millennial Money Guide

    Let's Talk Mortgages with Gina Judge - Millennial Money Guide

    Gina Judge is a licensed residential mortgage broker, financial consultant and award winning millennial money coach.

    She’s a host of The Millennial Money Guide, and teaches her audience how to invest, build credit, manage student loans, obtain a mortgage, and become debt free all while living a more fulfilled life. With 5 years of experience in the finance industry, Gina’s helped thousands of Canadians improve their financial well-being. In 2019, she was nominated for WXN’s Emerging Leader Award, an award that recognizes 100 of the Most Powerful Women in Canada. 


    Here's what we get into: 

    3:13 - Common Misconceptions about Mortgages

    5:55 - What is a Mortgage

    9:50 - HELOCs

    11:50 - Interest Rates

    23:03 - Why Work with a Mortgage Broker

    27:16 - Should You Buy Property with a Friend?

    31:15 - Should I Pay Off My Mortgage Early



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    ✩ CONNECT WITH GINA: ✩
    Instagram: @iamginajudge
    Podcast: The Millennial Money Guide Podcast

    ✩ CONNECT WITH ME: ✩
    instagram: @missfindependent
    TikTok: @nikafarb
    For contact or business inquiries: media@missfindependent.com

    RRSP Loan Strategy and RRSP Secrets

    RRSP Loan Strategy and RRSP Secrets

    The average lifespan in Canada is 82, and most people retire at the age of 65. That’s at least 17 years of life that we have to think about affording. 

    That’s what the Registered Retirement Savings Plan or RRSP exists for. A lot of people don’t know that although it’s called a Retirement Savings Plan, it’s actually best used for investing, (not saving), and can be used for so much more than just retiring. 

    This episode starts with the basics, and then goes more in depth to look at 2 ways of non-traditionally using an RRSP.

    Here’s what I get into:

    2:36 - What is an RRSP?

    4:10 - Relying on a Canadian Pension

    7:17 - Benefits of Contributing to an RRSP

    10:25 - Contribution Limits

    11:04 - What you Can Hold in your RRSP
    11:42 - What Can’t You Hold?

    13:10 - RRSP Loan Strategy


    Get $10 When You Join Wealthsimple Trade

    It would mean the world to me if you left me a review on whatever platform you're listening on


    ✩ CONNECT WITH ME: ✩
    instagram: @missfindependent
    TikTok: @nikafarb
    For contact or business inquiries: media@missfindependent.com

    Index Funds vs. ETFs

    Index Funds vs. ETFs

    Every ETF that tracks an Index is an Index Fund, but not every Index Fund is an ETF. Confused? In this episode I get into the details. 

    As my audience grows, so does the range of financial literacy of my listeners. In this episode I bring it back to the basics with my investing series. 


    Here's what I get into: 

    1:20 - What's an Index?

    2:12 - Four Major Indexes

    3:41 - Quick Refresher on ETFs

    4:07 - Mutual Funds

    6:02 - Management Expense Ratios (MERs)

    14:41 - Tangerine Mutual Funds

    14:38 - Robo Advisors

    15:27 - TD E-Series

    16:47 - ETFs 

    17:45 - Buying American ETFS

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    It would mean the world to me if you left me a review on whatever platform you're listening on 


    ✩ SOCIALS: ✩
    instagram: @missfindependent
    TikTok: @nikafarb
    For contact or business inquiries: media@missfindependent.com

    NFTs and Web 3.0 for Hot Girls with Kayla Trivieri

    NFTs and Web 3.0 for Hot Girls with Kayla Trivieri

    Kalya Trivieri is a Senior Consultant for IBM and works in AI and IoT. She’s privy to the rapid innovations happening in the digital space and noticed a growing interest in NFTs and, on a whim, decided to make her first viral video teaching her followers about what she knew. She has grown a following of over 220K since then and noted that the audience is mostly women who want to learn about NFTs, blockchain, and crypto. 

    The idea of addressing her audience as “Hot Girls” breaks down the stereotype that it’s only nerdy men who work in tech. There are so many opportunities for women to step into the field – any girl is a hot girl, and they should feel empowered and welcomed into this space. 

    Here’s what we get into. 
    3:44 - How to Navigate NFT Communities
    10:47 - Future Use Cases of NFTs
    16:20 - Web 2.0 vs. Web 3.0
    22:54 - Wedding NFTs
    34:21 - Kayla’s NFT Projects

    ✩ SOCIALS: ✩
    instagram: @missfindependent
    TikTok: @nikafarb
    For contact or business inquiries: media@missfindependent.com

    Managing Finances as a Couple

    Managing Finances as a Couple

    For the first time ever I bring my fiancé Alex onto the podcast. We’ve been together for almost 10 years, recently got engaged, run 2 businesses together and invest in real estate together. 

    On my instagram @missfindependent I had people send in questions for us about how we manage finances and our business together. 

    Here’s a breakdown of what we get into:
    1:00 - How to Manage Expenses Together
    5:10 - Investing Accounts
    8:00 - Income Differences and Expenses
    12:11 - Having One Goal
    14:58 - How to Run a Business with your partner
    22:15 - Real estate Finances 

    ✩ SOCIALS: ✩
    instagram: @missfindependent
    TikTok: @nikafarb
    For contact or business inquiries: media@missfindependent.com

    Easy Passive Income Ideas for 2022

    Easy Passive Income Ideas for 2022

    Don’t let anyone tell you otherwise. Having a 9 - 5 “traditional job” is still cool. It helps you qualify for traditional lending, and helps you invest into building other income streams. Relying on earned employment income alone though is not cool. 


    There are a lot of benefits of having a stable income. And that’s what a job provides. It gives you the security to know that your financial obligations are going to be met. 


    What I want you to rewire, is this idea that your earned income -the money that you make at your job, is the only source of income you can have. 


    The idea that earned income will make you financially successful is wrong. It’s just not the case in our day and age. It is really difficult to become a homeowner with just your salary alone. I’m based in Toronto, and our real estate market is crazy, but that’s the case in almost every big city in North America and in a lot of places in Europe too. 


    Salaries are not rising with the rate of inflation, home prices are skyrocketing. 


    So if you want more out of life you’ve got to do more. It’s just a simple as that. 


    And no I’m not romanticizing hustle culture and telling you you gotta work every day, actually what I get into in this episode is actually the opposite of that. 


    Here’s a breakdown of what to expect:

    0:38 - Common Misconception 

    3:47 - Earned vs. Passive Income

    4:47 - Profit

    7:17 - Affiliate Marketing

    10:49 - Capital Gains

    11:42 - Dividend Income

    15:19 - Rental Income

    17:39 - Staking Crypto

    18:54 - Private Lending

    ✩ SOCIALS: ✩

    instagram: @missfindependent

    TikTok: @nikafarb

    For contact or business inquiries: media@missfindependent.com

    Crypto and Taxes (For Canadians) with Laura Wilson

    Crypto and Taxes (For Canadians) with Laura Wilson

    Thinking about how you’re going to file taxes this year? If you bought, traded, gifted, or mined crypto this year, it’s going to affect how you file your taxes.  Here are all the things you need to know. 


    For this episode I’m joined by Laura Wilson, founder of Wilson Tax Solutions, who has over 10 years of experience doing Canadian personal taxes. She loves educating people on how our tax system works and how to maximize their tax savings. She also loves Disney parks and has a borderline obsession with Frank’s Red Hot Sauce.


    The complexity in this episode is on a dial setting. We start off explaining basic tax education and how to prepare yourself if it’s your first time filing taxes and explore some best practices to get a higher tax return. 


    Then we turn the dial up, and look at what’s considered a taxable event when it comes to crypto 


    Here’s what we dive into:


    1:22 - Laura’s Journey

    7:18 - How Can I Get a Higher Tax Return

    9:07 - Wedding Tax Hack

    12:25 - How to Work Abroad

    17:24 - What Makes an Investment Realized

    19:30 - What’s Considered a Taxable Event with Crypto

    27:17 - Staking Cryptocurrencies

    28:46 - Crypto Mining Tax Implications


    ________

    Connect with Laura:

    Instagram: @wilsontaxsolutions

    TikTok: @wilsontaxsolutions

    For contact or business inquiries: wilsontaxsolutions@gmail.com


    ________

    ✩ SOCIALS: ✩

    instagram: @missfindependent

    TikTok: @nikafarb

    For contact or business inquiries: media@missfindependent.com


    What are NFTs? Explained Simply

    What are NFTs? Explained Simply

    At this point we’ve probably all heard this acronym, but WTF is an NFT?


    It’s taken me a while to put together this episode because I’ve been active in communities, learning from pioneers in this space, and forming my own opinions about this topic. 


    Bottom line. It’s not just a JPEG you can right click and save. From smart contract applications to mortgages, to concert tickets, to getting royalties for supporting your favourite artists, there are countless different ways this tech is going to impact our future society. 


    NFTs are like the Printing Press 2.0. 


    Here’s what I get into in this episode. 


    1:01 - The Printing Press

    2:23 - NFTs Explained Like I’m Five

    4:01 - Royalties and Music

    8:30 - Trading NFTs

    10:21 - Companies investing in NFTs

    12:59 - Smart Contracts

    16:50 - Problems In This Space


    Also see: Everything You Need To Know About Crypto in 2022


    ✩ Connect With Me: ✩

    Instagram: @missfindependent

    TikTok: @nikafarb

    For contact or business inquiries: media@missfindependent.com


    Behind the Scenes of Being an Influencer with Jetlaggedlovers

    Behind the Scenes of Being an Influencer with Jetlaggedlovers

    If you’ve ever wondered how influencers make money, what the day in a life of a content creator is like, and if this is a path for you, you definitely want to check this one out, and listen until the end, because there are some gems dropped.


    For the first episode of this new season I sit down for a conversation with Kat, past competitive skater, and the founder of Jetlagged Lovers. You can follow her on Instagram and Tik Tok @Jetlaggedlovers and check out her Youtube Channel as well. 

    Yes. You've probably seen her skating videos. 


    Jetlagged lovers was a blog Kat started to share her love for travel and photography, and quickly evolved into a massive fashion, travel, skating and lifestyle brand. At the time of recording, Kat has over 1.2 M followers on Tik Tok and has grown this massive audience organically through sharing her authentic self.

    Here's what we get into:


    2:45 - Kat’s Journey

    8:48 - Falling Back in Love with Skating

    10:32 - What Kept Her Motivated

    13:41 - How to Get Over Fear

    25:52 - Income Streams for Creators

    34:30 - A Day in the Life of a Creator

    36:15 - How to Reach Out to Brands

    43:54 - Social Media Trends

    51:51 - How to Reach Out to Creators as a Business

    New Year Reflections

    New Year Reflections

    This episode is all about reflection prompts. First we focus on fostering some gratitude for everything you’ve accomplished or worked on to date. I ask you to think about what’s held you back, help you visualize your fullest self, and ask you to consider where you want to go next year.

    If you can, try not to listen to this episode while you’re on the go. Save this one for when you can sit down, and be still with your thoughts. 


    Grab a notebook, and a pen, and feel free to pause me as we go. 


    ⚠️ Limited Coaching slots open January 5th 2021. Spots will fill up quick. Stay tuned for an announcement.

    ______

    A reflection episode wouldn't be complete without a Miss Findependent 2021 Wrapped.


    As a summary of the Miss Findependent Show. We have a total of 3400 listeners to date. 39 episodes published if we’re counting this one. 31 of which were published this year!!


    The top most listened to episodes in order were: Let's talk Real Estate, Diving into ARKK ETFs with Cathie Woods, How to make $73K/year in Dividend Paying Stocks, and Let’s talk Bitcoin. So those are areas I’m going to focus on in 2022. I heard you loud and clear. 


    More real estate. 

    More Growth stocks. 

    More Crypto. 

    And more focus on entrepreneurship. 


    To all my listeners -  I’m so grateful to have be here with you guys, to share these resources with you, and to help you build the toolkit to go out and build generational wealth. 


    Believe me. I’m only getting started. 


    __


    Let me start by asking you - what are 3 things you’re grateful for. 


    List them out on your piece of paper right now. 


    Now what are you MOST PROUD Of?


    It could be a work accomplishment, a big decision you made, a pivot into a more fulfilling career. A mindset shift. The decision to learn more and help educate yourself financially. Starting a new business. 


    I’m going to give you some reflection prompts. 


    In 2021 I struggled the most with ....


    What were the biggest gifts, blessings and lessons? 

    List them out as 3 separate categories.
    Gifts - 

    Blessing - 

    Lessons - 


    What are you releasing in 2021?

    What do you want to let go of?


    Before we go into planning for next year. I want to help you Reflect on the Money in Your Life.


    Write down how much you’ve saved this year.

    How much have you added to your investment accounts?

    How much have you paid off your debt?


    What were your best performing investments this year? Are you holding onto them, or do you want to take some profits? 

    What were your worst performing investments. What are you going to do about them? Are you going to hold on to them?



    Now we’re going to focus on the New Year. 


    I want you to write down 2 words that are going to define this new year for you. 


    If you want to invite something new into your life this year. Ask yourself.

    What am I bringing in?


    Now I’m going to ask you some big questions. They don’t require big answers.

    What kind of legacy impact do I want in my life?


    What are my truest, truest principles.

    What’s one thing you’re striving for this year?


    What do you want to get absolutely clear on for next year?

    What does success look like for you in the upcoming year and how do you need to redefine your definition of success?

     

    What creative projects do you want to bring into the world this upcoming year?


    Let go of uncertainty. Let go of anything that’s held you back this year. 

     

    The year is almost over. You get a brand new day tomorrow. 

     

    A new opportunity to start off on the right foot and go out there and make this beautiful life yours to discover. 


    Everything You Need To Know About Crypto in 2022

    Everything You Need To Know About Crypto in 2022

    Cryptocurrencies were the best performing asset class of 2021. In this episode I break down why they're so attractive to investors and give you a crash course into EVERYTHING (and I mean everything) you need to know. 

    Here's a breakdown of this episode:
    3:05 - Why Crypto is Attractive and Top Concerns
    4:12 - How the Blockchain Works
    8:45 - Moving Away from the Gold Standard
    16:45 - Hard Wallets
    19:40 - Bitcoin
    20:38 - Ethereum
    26:27 - Binance Coin
    30:35 - Tether
    32:54 - Solana
    35:22 - Cardano
    36:52 - Altcoins 
    43:10 - Staking, Mining and DAOs

    Letting Go of Limiting Beliefs

    Letting Go of Limiting Beliefs

    This episode is a little different from anything I've done on The Miss Findependent Show in the past. I talk about my experience exploring the realms of yoga and meditation, how they've lead me on a spiritual quest in the depth of the Andes mountains in Peru, and where the ideas of spirituality intersect with business.

    I have friends from all walks of life, artists, entrepreneurs, and a lot of fellow yoga teachers in my circle. One thing that people who aren't in the business world often ask me is how on earth these two worlds collide. A common misconception I hear is that the pursuit of "wealth" is not spiritual, and goes against spiritual practices.

    That's just plain wrong. Money itself is neither good nor bad, it's just a tool.

    Achieving a state of financial abundance, getting to a place where you are not worried about your day to day expenses, allows you to live in tune with your purpose and allows you to explore the pursuit of service.

    In this episode, I break down common limiting beliefs around money and help you rewire your thinking so you can pursue abundance and stop getting in your own way.

    Here's what I get into:

    2:42 - Childhood Beliefs
    5:55 - The Diamond Cutter
    9:56 - "Someone Else Will Do"
    10:55 - "I'm Not Good With Money"
    13:23 - Letting Go of Negative Dialogue
    17:17 - Intersection of Spirituality and Business
    20:48 - Operating with Integrity

    It would mean the world to me if you could leave me a review in the Podcast App. Reviews help my podcast reach more people and help me educate more people on how to invest and grow their money.

    https://www.amazon.ca/Diamond-Cutter-Buddha-Managing-Business/dp/038552868X


    Until next time. 

    XX Nika

    Cyclical Stocks and Sector Rotation

    Cyclical Stocks and Sector Rotation

    Traditionally on The Miss Findependent Show, I talk about Index Funds and ETFs at length. I get it, these can get kind of boring, but if your portfolio is like a meal that you're cooking, the S&P 500 is like the (S)alt and (P)epper that's the base set of spices for most meals. Once you master how to work with the basics, you can start adding in more interesting flavours - like Garam Masala or Tarragon. 

    I literally just learned how to cook with Tarragon. Fun fact - it goes great with Shrimp.

    The thing with this cooking analogy (which I'm really starting to like btw) is that we're not all cooking the same meals, and our skill levels and comfort levels are going to be so different. That's why I'll never tell you what to invest in, but simply educate you on how to build the perfect meal for you.

    With this episode, I want to share with investors, or soon-to be investors that stock picking can be very lucrative, but it's a lot more complex. To succeed, you need to have a solid understanding of portfolio balancing and how cyclical stocks perform. 

    Here's what I get into:

    2:09 - Risk Tolerance
    5:39 - What are Cyclical Stocks
    10:00 - Defensive Stocks
    14:39 - Advantages to Owning Cyclical Stocks
    17:11 - Disadvantages of Investing in Cyclical Stocks
    19:15 - Discussing Sectors
    25:30 - How I'm Playing It

    It would mean the world to me if you could leave me a review in the Podcast App. Reviews help my podcast reach more people and help me educate more people on how to invest and grow their money.

    Until next time. 

    XX Nika

    How I Saved $500 On My Holiday Shopping

    How I Saved $500 On My Holiday Shopping

    Sure Black Friday and Cyber Monday are great, but let's be real, how many of your BFCM purchases were actually for you and not for others?

    If you've still got a few people left to shop for this holiday season, tune in and learn some of the best shopping hacks I used to save just over $500 on my shopping this year.

    Breakdown:

    1:44 - Tip 1 - Have a list, check it twice
    2:51 - Tip 2 - Saynotospam@gmail.com
    4:13 - Tip 3 - How to be the queen of price matching
    7:03 - Tip 4 - Rakuten (linked)
    8:18 - Tip 5 - Honey Chrome Extension (linked)
    9:25 - Tip 6 - Rate Hub for credit card comparisons (linked)
    10:40 - Tip 7 - Experiences > Gifts
    12:00 - Tip 8 - Starter Kit Memes
    13:51 - Tip 9 - Buy Now, Don't Pay Later
    15:30 - Tip 10 - Treat Yo' Self

    The Supply Chain Crisis Explained

    The Supply Chain Crisis Explained

    After just renovating my house and experiencing major delays and increased costs due to supply chain impacts, I’m exhausted and ready for this to end. 


    Unfortunately, with the huge backlog of containers waiting to be unloaded at the Port of Los Angeles, major mudslides closing down critical highways, and labor shortages, I don’t anticipate this crisis ending anytime soon. 


    The good news is there’s lots of opportunity if you put your investor hat on. Learn about what’s happening at all points of the supply chain and where you can benefit from the mayhem. 


    In this episode I breakdown:


    1:35 - What is a Supply Chain

    3:10 - The Root Cause

    4:05  - What’s Happening Now

    8:45 - The Container Shortage

    11:35 - A Tik Tok Case Study

    16:00 - Why Small Companies are Hit the Hardest

    18:27 - Port of Los Angeles

    21:30 - The Trucking Industry

    24:40 - Put Your Investor Hat On


    Pay off Debt, Save, or Invest?

    Pay off Debt, Save, or Invest?

    Let's talk about Bermuda's Triangle: Saving, Investing, and Paying off Debt. Which comes first... The answer, like most things in life is, it's complicated. 

    Having debt can be emotionally taxing on the body. It can put you under a significant amount of mental stress, and can even lead to physical affects on the body. While we can't help you deal with financial stress (that's something a good yoga class might help with though) we can help you arm yourself with knowledge so you have a plan for tackling your debt. 

    The good news - most people have some kind of debt. Debt doesn't always have to be a bad thing. Leveraging debt can unlock a wide array of opportunities for you, and understanding how to use debt properly, can be a tool you never knew you had. 

    What we get into: 

    1:15 - Everyone Has Debt
    1:38 - Good Vs. Bad Debt
    2:38 - Different Kinds of Debt
    11:30 - Credit Card No Nos
    15:25 - Paying Debt, Saving or Investing
    17:53 - The Baby Emergency Fund
    24:09 - Secured Vs. Unsecured Loans
    32:53 - Leveraging Debt
    35:26- Intro to Private Lending

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