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💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Rachel Cruze & George Kamel answer your questions and discuss: "Should I pursue a life of homesteading?" "How do I deal with a HELOC during the Baby Steps," "I'm worried my side hustle will get me fired..." "How do I talk to my husband about our finances?" "Is it okay to rent instead of buy?" Support Our Sponsors: Churchill Mortgage Zander Insurance Yrefy Next Steps 💵 How to Start Investing in 2024: A Beginner’s Guide 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 🏠 Find a Ramsey Trusted Real Estate Agent 📈 For help with investing, get connected with a SmartVestor Pro.  💰 Enter the $3,000 Ramsey Cash Giveaway today! Enter daily to increase your chances of winning weekly $500 prizes or the $3,000 grand prize.  📚Get 20% off bestsellers! Whether you’re ready to kick debt to the curb, want to live a less-anxious life, or looking for growth in your job—there’s hope. Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Rachel Cruze & Ken Coleman answer your questions and discuss: "Should I use debt settlement?" "Where does a HELOC fall in the Baby Steps?" "I don't have anything saved for retirement," "How do I navigate buying a house from family?" "Is it ever a good idea to get a prenup?" Support Our Sponsors: Churchill Mortgage Zander Insurance BetterHelp Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 🍎 Enter the Teacher Appreciation Giveaway 🏠 Find a Ramsey Trusted Real Estate Agent 🎟️ It's game on! Get your ticket for Total Money Makeover Weekend.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

In today’s episode of Nudge, Rory Sutherland explains: When to tell smokers to quit smoking  How to double McDonald’s orders  Ways to make Londoners recycle  Why pensions schemes are broken  How to make high earners pay more tax You won’t want to miss this.  (Warning this episode contains explicit language). Rory’s book Alchemy: http://tinyurl.com/3ucjy6rz Sign up to the Nudge Newsletter: https://www.nudgepodcast.com/mailing-list

In this episode of the Personal Finance Podcast, we are going to do a Money Q&A about what to do if you started investing late. Today we are going to answer these questions!  Question 1: What do I do with a high-interest mortgage?  Question 2: What do I do If I started Investing Late?  Question 3: How to get started in real estate investing? How Andrew Can Help You:  Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining  Index Fund Pro! This is Andrew’s course teaching you how to invest!  Watch The Master Money Youtube Channel!  Ask Andrew a question on Instagram or TikTok.  Learn how to get out of Debt by joining our Free Course  Leave Feedback or Episode Requests here.  Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast. Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Monarch Money: Get an extended 30 day free trial at monarchmoney/pfp Thanks to Fundrise for Sponsoring the show! Invest in real estate going to fundrise.com/pfp Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn’t affect your credit score. Get started at chime.com/ Delete Me: Use Promo Code PFP20 for 20% off!  Links Mentioned in This Episode:  Here is the Total Cost of Ownership Calculator 26 Ways to Find Real Estate Deals (Some You Have Never Heard Of!) 5 Ways Rental Properties Will Make You A Real Estate Millionaire Connect With Andrew on Social Media:  Instagram  TikTok Twitter  Master Money Website  Master Money Youtube Channel   Free Guides:   The Stairway to Wealth: The Order of Operations for your Money  How to Negotiate Your Salary  The 75 Day Money Challenge  Get out Of Debt Fast  Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Rachel Cruze answer your questions and discuss: "Is our lifestyle out of control?" "My wife doesn't want to live on our pig farm anymore - should I buy her a house?" Keeping a home because of nostalgia is often times not worth the financial burden "I'm being sued by a bank for past due credit cards and don't know what to do" "Should I add my toddler as an authorized user on a credit card to build their credit?" How to get back on track with the Baby Steps after starting them out of order Support Our Sponsors: Churchill Mortgage Zander Insurance Angel Studios BetterHelp Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 🎟️ It's game on! Get your ticket for Total Money Makeover Weekend.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dr. John Delony & Rachel Cruze answer your questions and discuss: "My husband lied to me about his debt," "What should our financial goals be?" "My wife won't be gazelle intense to pay off debt?" "Can I afford to buy a new car?" "How can I start my debt snowball?" 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Support Our Sponsors: NetSuite Zander Insurance BetterHelp Neighborly Next Steps 📈 For help with investing, get connected with a SmartVestor Pro.  🎟️ Money & Marriage Getaway is back! Get your tickets today! ☂️Protect yourself with the right coverage—take our coverage quiz! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign up for EveryDollar today - Create a free Budget! George Kamel & Jade Warshaw answer your questions and discuss: "Should I finance a $46k car when I make $42k a year?" Tacky or Hacky: are these legit ways to save money at restaurants? "How should I use my tax return?" "Should I ask my family to buy me a house?" Do these 3 things to set yourself up for retirement. 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Support Our Sponsors: The Chosen Zander Insurance BetterHelp USCCA Neighborly Next Steps 👍 Help us make the show better! Please fill out this quick survey! 🎟️It's game on! Get your ticket for Total Money Makeover Weekend.  📄Need help with your taxes? See who we trust. File Your Taxes The Ramsey Way Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign up for EveryDollar today - Create a free Budget! Jade Warshaw & George Kamel answer your questions and discuss: "Should I keep renting or buy a house?" What you need to know about taxes in 2024, Getting out of an upside-down vehicle, What are the 7 Baby Steps? When parents guilt trip their kids over money, Why you have to drop your excuses and embrace the suck, or else be satisfied with your current state. 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Support Our Sponsors: Zander Insurance Eight Sleep The Chosen BetterHelp Neighborly Next Steps Tax Season 2024: What You Need to Know (and Looking Ahead to 2025) 👍Help us make the show better! Please fill out this quick survey! 🎟️ It's game on! Get your ticket for Total Money Makeover Weekend.  🏠 Find a Ramsey Trusted Real Estate Agent Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

66% of Americans say that they plan on making a financial New Year's Resolution for 2024. But way too often, our resolutions set us up to fail. Here are five New Year's Resolutions that actually work. Want to start investing, but don't know where to begin? Go to moneyassistant.com and meet Magnifi, your AI money assistant, designed to help you make a plan for your financial goals. Want one-on-one money coaching from Nicole? Book a meeting with her here: intro.co/moneynewsnetwork

George Kamel & Dr. John Delony answer your questions and discuss: "We make $300k and live paycheck-to-paycheck,"  "Will the US dollar become obsolete?" "How can I stay consistent with my budget?" "Our home is a money pit, what can I do?" "Pull from retirement to pay off our cars?" "My mother is running out of money," "Which debt should I pay first?" "When should I replace my vehicles?" "Should I pay off my Tesla?" "How do I prepare for retirement?" "How should I use an insurance payout?" "Should we sell our rental property?" "Should we sell a car to pay off debt?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: DreamCloud NetSuite Zander Insurance Balance of Nature BetterHelp Neighborly Need help with your taxes? See who we trust. Join the Crusade! Apply Now! Find a Ramsey Trusted Real Estate Agent: 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

Dave Ramsey & George Kamel answer your questions and discuss: "I have a baby on the way with no money," Prioritizing expenses when you're broke, "Should I finance boat and live in it?" "Should I change careers in Baby Step 2?" "How can we cash flow a new build?" "How do we have a wedding in Baby Step 2?" "Cash out my retirement to pay off debt?" "Invest for retirement or pay off the house?" "Should I invest as a stay-at-home mom?" "Should I make my kids pay off their own student loans?" "How do you plan for retirement at a young age?" "Should I buy my ex-wife out of the house?" "Should we sell our home to pay off debt?" "Should we take over a local business?" "Confronting a controlling mother-in-law," "Relocate our family for better school options?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Churchill Mortgage Balance of Nature DreamCloud Zander Insurance BetterHelp Neighborly Want a plan for your money? Find out where to start: Click Here Find a Ramsey Trusted Real Estate Agent: 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

Check out these fun things:

Patreon: ⁠https://www.patreon.com/calebhammer⁠ 

My socials: ⁠https://linktr.ee/calebhammer⁠ 

Do you want to be in a Financial Audit and you're in the Austin area? Email castingcalebhammer@gmail.com

Sponsorship and business inquiries: calebhammer@creatorsagency.co 

_______________________ 

Timestamps: 00:00 Job and income 04:55 How are you surviving? 09:26 SOFI 14:39 These debts keep stacking 18:55 You're F'd 26:37 Your checking is... terrifying 30:50 I'm done with your lies 34:20 What a terrible outlook 36:45 AURA 41:41 You need a budget! 45:15 This is gonna take a while 50:47 Hammer Financial Score

--- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

Dave Ramsey & Rachel Cruze answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here "Are our Baby Steps out of whack?" read more: The 7 Baby Steps, Why you shouldn't invest borrowed money to get wealthy, "Should we pull from our Roth to fund our kid's college?" "Can I use a credit card as my $1000 emergency fund?"  Dave & Rachel react to a New York Times column, read more: Money, Marriage, and Communication, "My ex keeps slowing down my progress," "Can we use our kids' accounts to fund our debt snowball?" Preparing kids for their financial future in a family with a history of Alzheimer's, "What should I do when my car lease ends?" "Should I buy a personal home or commercial building?" "We can't afford our house anymore," "Help! I don't want to inherit a timeshare..." "Should I be investing while paying off debt?" "Should we pay off our daughter's student loans?" Following the Baby Steps while fighting cancer. Support Our Sponsor: Balance of Nature PODS Moving & Storage NetSuite DreamCloud Zander Insurance Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway 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

Dave Ramsey & Jade Warshaw answer your questions and discuss:    EveryDollar, budget for the life you want today for free: Click Here "How should I use my tax return?" "How do I set up my inheritance well?" "Should I use all my savings to pay off my student loans?" Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans, "Should we pay off our house before investing?" Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway 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

Check out these fun things:

Patreon: ⁠https://www.patreon.com/calebhammer⁠ 

My socials: ⁠https://linktr.ee/calebhammer⁠ 

Do you want to be in a Financial Audit and you're in the Austin area? Email castingcalebhammer@gmail.com

Sponsorship and business inquiries: calebhammer@creatorsagency.co 

_______________________ 

Timestamps: 00:00 Jobs and Incomes 01:30 International Immigration troubles 04:27 Making it in the US 07:00 Spend spend spend 12:39 MORE BS SPENDING! 16:00 Going into debt for a wedding… 18:12 CREDIT CARDS 20:30 Non stop excuses for eating out 25:12 Credit Card debt… 27:57 REALITY CHECK 31:30 You need to budget! 35:23 CLEAN THIS UP 36:20 Will you actually do this? 40:40 This is what actually matters 43:26 Possible deportation… 46:17 Hammer Financial Score

--- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

Episode 84: On this episode of Morning Brew Daily, Katie Gatti Tassin from 'Money With Katie' joins the show and reflects on her journey as a personal finance creator. She also shares her best personal finance advice with Neal and Toby. Her wisdom includes: How to pick a high-yield savings account Is it possible to be saving too much? What is the best credit card for you? Is it more important to invest or save? How to maximize your money Listen to Money With Katie Here: https://link.chtbl.com/XytSlKpN Watch Money With Katie Here: https://www.youtube.com/@MoneywithKatie Follow Katie on Social Media: @MoneyWithKatie Listen to Morning Brew Daily Here: https://link.chtbl.com/MBD Watch Morning Brew Daily Here: https://www.youtube.com/@MorningBrewDailyShow Learn more about Juneteenth: Juneteenth: The History of a Holiday - New York Times Juneteenth: Why financial literacy needs to be part of the holiday celebration - CNBC How to properly celebrate Juneteenth in the age of commercialization - NPR Juneteenth and its implications for the economy and generational wealth - ABC Juneteenth, a Day for Celebration and Frustration - Bloomberg Learn more about your ad choices. Visit megaphone.fm/adchoices

Check out these fun things: Patreon: https://www.patreon.com/calebhammer My socials: https://linktr.ee/calebhammer Do you want to be in a Financial Audit and you're in the Austin area? Email castingcalebhammer@gmail.com

Sponsorship and business inquiries: calebhammer@creatorsagency.co _______________________ Timestamps: 00:00 Job and income 03:00 Stopped going to college... 05:17 Do you want to be a server for the rest of your life?! 08:31 No plans to survive ... 09:45 Car debt, through her ex!! 12:30 Checking account and hidden debts 15:18 Credit cards and a lot of spending 19:22 Credit score 22:15 She refuses to act like an adult... 26:00 You're acting like an immature child! 28:00 You need to turn your life around... 30:00 You are SUCH A CHILD!!! 31:09 Hammer Financial Score

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In this episode of the Personal Finance Podcast, we're gonna answer the question, should you max out your Roth IRA or your HSA? How Andrew Can Help You:  Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining  Index Fund Pro! This is Andrew’s course teaching you how to invest!  Watch The Master Money Youtube Channel!  Ask Andrew a question on Instagram or TikTok.  Learn how to get out of Debt by joining our Free Course  Leave Feedback or Episode Requests here.  Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast. Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn’t affect your credit score. Get started at chime.com/ Thanks to Ka’Chava For Sponsoring the show! Go to kachava.com/pfp and get 10% off on your first order.  Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Policygenius: This is where I got my term life insurance. Policygenius is made so easy. To get your term policy go to policygenius.com and make sure your loved ones are safe. Hello Fresh: Check out Hello Fresh www.hellofresh.com/pfp50 and use promo code PFP50 for 50% off your first order and free shipping! Delete Me: Use Promo Code PFP20 for 20% off!  Links Mentioned in This Episode:  The Stairway to Wealth (Where to Put Your Money In Order!) The Stairway to Wealth 2.0 (The Order You Should Put Your Money in!) The Back Door Roth IRA (How High Earners Can Get Money Into a Roth IRA!)  Connect With Andrew on Social Media:  Instagram  TikTok Twitter  Master Money Website  Master Money Youtube Channel   Free Guides:   The Stairway to Wealth: The Order of Operations for your Money  How to Negotiate Your Salary  The 75 Day Money Challenge  Get out Of Debt Fast  Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices