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💵 Sign up for EveryDollar today. Create a free budget!  It’s Smart Money Happy Hour, of course we’re going to take a crack at a fun social media trend and use it to talk about money! This week, Rachel and George put an #OfCourse! twist on things Baby Steps Millionaires do to reach that $1 million milestone and keep building wealth. Shout out to the following creators for their #OfCourse! takes: @kaycegbrown, @dom.domination, @kellymann, @__QueenSie__ and @emyxbudgetsahm. Next Steps ·      💵 Start budgeting today! Go to www.everydollar.com/smartmoney to get started today. Use code SMARTMONEY to get a free two-week trial and $15 off your premium membership to EveryDollar.   ·      🎥 Want to do a deeper dive on the Baby Steps? Check out the How to Start Becoming a Millionaire in 2024 episode. ·      📗Spark conversations with your kids about contentment with Rachel’s kids book, I’m Glad for What I Have. ·      📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. Today’s Happy Hour Special: 🍸Roseberry Mule Mocktail Recipe by: Tasty   Ingredients: ·      1 handful blackberries ·      1 sprig fresh rosemary ·      1 tablespoon agave nectar or honey ·      1 bottle ginger beer, to taste ·      1 ounce lime juice ·      Ice   Instructions: 1.    In a cocktail shaker or a tall glass, muddle blackberries and rosemary. 2.    Add sweetener and ice, shake until well combined. (If you do not have a cocktail shaker, simply pour back and forth between two glasses until combined.) 3.    Strain mixture over ice and add ginger beer and a squeeze of lime to taste. 4.    Garnish with blackberries and a sprig of rosemary. Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions Privacy Policy

George Kamel & Dr. John Delony answer your questions and discuss: How to start managing investments after a loved one passes, read more: Questions to Ask a Financial Advisor at Your First Meeting What to do when a job requires you to have a credit score, George's book: Breaking Free From Broke How to get started flipping houses,  read more: How to Flip a House "Should I buy a Tesla for the tax credits?" read more: What are Tax Credits? How to know if you should sell your house to get out of debt, How to go back school without debt when living paycheck to paycheck, A caller financed 3 vehicles to start a rental car business and ruined their finances, The biggest excuses George hears about cars, read now: How to Buy a Used Car Right Now "How do I stay within my budget?" "I'm underwater on my car and can't get a loan," "How can I help my daughter deal with collectors?" "Should I buy a house while still in debt?" "Pull from my 401(k) to pay off the IRS?" "Is now a good time to buy a house?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: BetterHelp Zander Insurance Balance of Nature Neighborly Find a Ramsey Trusted Real Estate Agent: Click Here Start your EveryDollar Free Account today: Click Here You could WIN $5,000! Enter the Ramsey Christmas Cash Giveaway today!  Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

John Delony & Jade Warshaw answer your questions and discuss: How to make progress in your finances after having your first kid, Busting myths about having a 0 credit score, read more: Living Without a Credit Score What to do when you need to go to rehab but you can't afford it, How to know if you should repair your home or move somewhere new, What to do when your parents don't respect your boundaries around your wishes for your wedding, What to do when your family transitions to a single income when your wife has had a successful career, Why you shouldn't be sharing vehicles and homes with people that aren't your spouse, How to address generational expectations and set boundaries while preparing for your own future, Why it's so important to prioritize paying off debt for your financial future, read more: The Truth About Debt Dr. John Delony's new Questions for Humans conversations cards for Thanksgiving and Grandparents & Kids, from the store: Questions for Humans Conversation Cards What to do when you and your spouse don't agree about selling or repairing a vehicle, How to help grandparents that are being taken advantage of financially. Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: NetSuite BetterHelp Zander Insurance Balance of Nature Neighborly The Ramsey Show Listener Survey: Click here to be Entered to Win a $500 Gift Card!!! Prep for open enrollment—take our coverage quiz! Click Here Need help with your taxes? See who we trust. Click Here Join the Crusade at Ramsey Solutions! Apply Now! Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

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Timestamps: 00:00 Trying to get ahold of his finances... 02:25 Income 03:05 "My finances are terrible" 04:38 $16 in checking account??? 05:58 EXCUSES EXCUSES EXCUSES 07:24 Spending so much money... 11:15 There are MAJOR issues here! 15:00 16% car INTEREST RATE 18:45 HE'S DEEP IN COLLECTIONS 22:35 It's time to budget... 25:20 Is his girlfriend taking advantage of him???? (I made him cry) 29:25 Paying his GF's credit card, and she won't tell him what the balance is... 35:30 TIME TO CLEAN UP YOUR MESS 42:35 We need to get you some help... 48:11 Hammer Financial Score

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96. 10 Rules For Using and Maximizing Credit Cards  The Amazon Credit Card: https://amzn.to/3AzoV4k Chime Credit Builder: https://www.tkqlhce.com/click-100539791-15023727 FREE GUIDES: ============== -Check out the free guide on where to put your money in what order!  https://www.mastermoney.co/stairway-to-wealth -Here is the free How to Ask for A Raise ebook! https://www.mastermoney.co/get-a-raise-ebook -Get Access to the 75 Day Challenge: https://www.mastermoney.co/75daychallenge  ============= We have a YOUTUBE channel! Check it out here!  Our Latest Videos:  5 Index Funds to Hold for Life!  What Would Happen If You Maxed Out Your Roth IRA By Age?! (These Results Will Amaze You!) How to Become a Millionaire With a Small Amount of Money (Is it Really This Easy!?) ============ Got questions? Ask me on Instagram Here. @mastermoneyco This is the fastest way to get in touch with me.  ============ Sponsors:  Thank you to Better Help for sponsoring the show! Check them out at betterhelp.com/pfp Thanks to Policygenius For Sponsoring the show! Check them out a Policygenius.com Thanks to Mint Mobile for supporting the show! Cut your phone bill to $15 a month by going to https://mintmobile.com/pfp Thanks to Ladder for Sponsoring the Show. Go to Ladderlife.com/pfp Thanks to Fundrise for Sponsoring the show! Invest in real estate for as little as $10 by going to fundrise.com/personalfinance Thank you to Hello Fresh for sponsoring the show! Go to Hello Fresh and use code PFP16 for 16 free meals and 3 free gifts.  Thank you to Ourcrowd for sponsoring the show! Check them out at ourcrowd.com/pfp   ============   Want to Support the Show? Follow on Spotify or Follow and Leave a 5-Star Review on Apple Podcasts! ============ Today We Discuss:  How to use credit cards wisely.  How to choose credit cards. What to do if you have bad credit.  How to maximize credit cards.  ============ Episodes Mentioned More Episodes You Will Love:  The Stairway to Wealth 2.0 (The Order You Should Put Your Money in!) How to Track Your Net Worth How to Set Money Goals You Will Actually Achieve How to Read a Book Per Week (My Unbelievably Simple System!) How To Prevent Lifestyle Creep (Lifestyle Inflation) ============ Check out all the Stuff I Recommend!  USEFUL RESOURCES: Best Place to Open a Roth IRA: https://m1finance.8bxp97.net/5vzD1 My Favorite Free Net Worth and Budget Tool: https://fxo.co/905L Best High Yield Savings Account: https://bit.ly/3HpPjAr  Get a $10 Free Bonus with Acorns: https://bit.ly/3lV0LLE Best Bank and Debit Card for Kids: https://bit.ly/3pJeI09  Get $5 Free Bitcoin at Coinbase: https://bit.ly/3oIQOml Best Credit Building Tool: https://bit.ly/3rmBuwZ  Best Personal Finance Books: https://kit.co/MasterMoney/best-personal-finance-books  ============ DISCLAIMER: I am not a financial adviser. This Podcast is for educational purposes only. Investing of any kind involves risk. While it is possible to minimize risk, your investments are solely your responsibility. It is imperative that you conduct your own research. I am sharing my opinion.  AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning, at NO additional cost to you, I may earn a commission if you click through and make a purchase and/or subscribe. However, this does not impact my opinion. ============ Check us out on social fam!  Twitter Dollar After Dollar Instagram www.thepersonalfinancepodcast.com www.dollarafterdollar.com www.mastermoney.co Learn more about your ad choices. Visit megaphone.fm/adchoices

Just how does the mythical and bizarre world of credit ratings really work? How can you improve your score and what does the figure even mean?

On this week's podcast, personal finance editor Rachel Rickard Straus and consumer affairs editor Lee Boyce join presenter Georgie Frost to discuss this and how one unknown fraud marker on a Cifas file left a reader with a 'do not employ' status when looking for job.

Rachel describes how she saw a tourist defrauded at a cash point and what it made her realise.

Lee explains why he is fed-up with car insurers taking motorists for a ride and how he beat a 67 per cent annual rise.

Whisper it: but there could be a cash Isa season this year. For years, banks and building societies scrambled to offer attractive rates – and 2018 could see the tax-free accounts finally en vogue once more.

Pensioner bonds – remember them? Well many are seeing the three-year versions of the accounts mature. But there could be a tax sting in the tail.

Simply put – this podcast could change your financial life. You see, a banker can be your best friend or your worst enemy when trying to invest in real estate, as a great loan can mean the difference between long term success and failure. This is why we are super excited to introduce you to Jimmy Moncrief (your new best friend!) on the BiggerPockets Podcast today. Jimmy is a commercial bank underwriter as well as a real estate investor, so he has a unique insight into the mind of a bank – especially involving real estate investing. . Jimmy is going to share some incredible, actionable tips that any investor can start using today to get your bank to say “Yes” to your next financing request. In addition, Jimmy offers some unique tips for finding great FSBO deals and getting into your first deal. This show contains so many tips and ideas to help you do more deals, get better financing, and change your future – so grab your pen and paper and set aside the next hour for a truly remarkable show. Read the transcript for episode 55 wth Jimmy Moncrief here. In This Show, We Cover: Turning your own home into a rental Buying a cash flow crazy triplex Jimmy’s “lucky” method of finding properties FSBO How real estate investors do everything backwards Jimmy’s awesome “Quick Tip” about interviewing a bank An insider look at the Five “Cs” for getting a loan Why Jimmy hates credit scores How to turn around a loan denial Getting commercial “HUD” loans Tips for refinancing your investment properties Using cross collateralization to secure financing No money down… is it possible? And LOTS more… Books Mentioned in this Show The Millionaire Fastlane: Crack the Code to Wealth and Live Rich for a Lifetime by MJ DeMarco The Four Hour Workweek by Timothy Ferriss 80/20 Sales and Marketing: The Definitive Guide to Working Less and Making More by Perry Marshall Links from the Show:  BP Podcast 052: Buying Apartment Complexes, Raising Millions, and Building a Profitable Business with Ken McElroy BP Podcast 014 : Cash Flow, Creative Finance, and Life with Ben Leybovich Blackstone B2R Financing Smart Passive Income Podcast with Pat Flynn – Episode 18 with MJ DeMarco Pareto’s Principle- the 80/20 Rule – Wikipedia Post Tweetable Topics HUD loans are like a pregnancy: fun at the beginning, painful at the end! (Click to Tweet!) If you are serious about investing in real estate – you need to know the 5 Cs. (Click to Tweet!) If you take a proactive approach to lending, everything works out better. (Click to Tweet!) If you want to be a serious real estate investor – treat it like a business. (Click to Tweet!) Connect with Jimmy Jimmy’s BiggerPockets Profile Jimmy’s BiggerPockets Blog Posts Jimmy’s Blog: RealEstateFinanceHQ.com Learn more about your ad choices. Visit megaphone.fm/adchoices