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Paychecks & Balances | Personal Finance & Career Advice for Millennials

Looking for a down-to-earth approach to personal finance and career advice? This funformative podcast will help you get it together financially and professionally without boring you to sleep. Join Rich & Marcus for upbeat discussions on work and money with a millennial spin. New episodes out every Tuesday. Got personal finance or career advice questions/topics you'd like us to cover? Email us at info@paychecksandbalances.com!
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Now displaying: July, 2016
Jul 28, 2016
This week a Listener Recommendation for a new budgeting app and a question about retirement investments leads us to a lengthy discussion on budgeting wins and fails. How can you stay faithful in a room full of clothes?! Well, it isn't easy but someone's gotta do it, so it might as well be us (Millennials). Tune in to hear how Rich and WIM avoid buying big rims and 80 gold rings, most weeks. Anyway, I'm behind like one week but a really good app (far better than Mint IMHO) is Level. You link your account (s), tap transactions that are bills and it will automatically track your spending and let you know when you're overspending. It will also let you know how much to save a month, set up personal trackers for specific types of purchases like coffee or vacation and it will automatically track the transactions as you go. It was helpful when I needed to figure out where to cut back in order to pay off a credit card. Really intuitive and simple. One last thing, are you guys ever going to talk about investing as a means to saving/accumulating wealth for retirement or anything really. Announcements: Looking for more career development and debt freedom tips? Join our email list at PaychecksandBalances.com/email for exclusive content including show updates, digital giveaways, and more. We don’t spam. We just keeps it real. Yes, keeps. LIKE us on Facebook.com/PaychecksandBalances or follow us on Twitter @PayBalances! Have an anonymous question? Drop a question at ask.fm/PayBalances. Our only request: Please be respectful.
Jul 26, 2016
This week we introduce a new segment: "The Money Minute." On our first Money Minute we introduce NerdWallet's 2015 AMERICAN HOUSEHOLD CREDIT CARD DEBT STUDY, which uses survey data to measure the average American's household debt from credit cards to mortgagees and everything in between. What's the average American's debt load for 2016, you wonder? We answer: the average U.S. household was carrying $204,992 in mortgages, credit cards, and student loans on a median household income of $55,192! We implore you to be better than average and on upcoming shows we'll begin covering tips for: 1) how to separate yourself from the average debt holder by first recognizing the problem; 2) designing a budget in less than 15-minutes, and 3) how to develop a debt management strategy you can actually stick to by dividing your good versus your bad debt. As an added bonus, we cover two listener questions for making a mid-career change, including tips for defining your personal values and how you can use those values to personally tailor your job search. Announcements: Looking for more career development and debt freedom tips? Join our email list at PaychecksandBalances.com/email for exclusive content including show updates, digital giveaways, and more. We don’t spam. We just keeps it real. Yes, keeps. LIKE us on Facebook.com/PaychecksandBalances or follow us on Twitter @PayBalances! Have an anonymous question? Drop a question at ask.fm/PayBalances. Our only request: Please be respectful.
Jul 19, 2016
This week, Rich recounts his experience and lessons from the most recent Podcast Movement 2016 in Chicago. It was a great opportunity for Rich to represent PayChecksAndBalances and connect with some listeners, followers, and talented content creators in the podcasting field. Thanks to everyone who showed support during the visit or connected with us in person! So, what's the next next conference in store for #PayBal -- #FinCon 2016??? TBD!!! Sticking to why we started the podcast -- Career Advice and Debt Management Tips -- Rich shares an app that he has been using for less than two months but that has already helped him save over $500! Want to learn more? Click here: paychecksandbalances.com/digit! To wrap-up the show, we follow-up on our most recent poll results: "Are '5 year plans' still relevant for millennials?" Survey says: NAH! But, lucky for you, we do have some advice on how to turn an un-reasonable 5-year plan into a millennial friendly 90-day plan that has already given us a proven track record for success and results you can actually measure and adjust in real-time. Announcements: Looking for more career development and debt freedom tips? Join our email list at PaychecksandBalances.com/email for exclusive content including show updates, digital giveaways, and more. We don’t spam. We just keeps it real. Yes, keeps. LIKE us on Facebook.com/PaychecksandBalances or follow us on Twitter @PayBalances! Have an anonymous question? Drop a question at ask.fm/PayBalances. Our only request: Please be respectful.
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