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The Financial Freedom Community Podcast: Personal Finance | Get Out of Debt | Financial Independence | Financial Coaching

Joel Parker from the Financial Freedom Community reveals all of his personal finance knowledge and tips so you can get ahead, pay off your debt, and achieve Financial Freedom. Discover how you can change your life, stop living paycheck to paycheck, and begin to focus on your friends and family. Stop worrying about your finances and begin to focus on your dreams. Whether you want to travel the world or just buy a new TV, Financial Freedom can make it a reality. Although Joel confesses he is not a millionaire, he's been able to pay off his credit card debt, save over $12,000 for emergencies, and create a nice retirement plan. Financial Freedom, retirement, debt reduction, debt management, budgeting, real estate, bankruptcy, car buying and helping you better understand how to change your financial life forever.
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The Financial Freedom Community Podcast: Personal Finance | Get Out of Debt | Financial Independence | Financial Coaching
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Sep 23, 2020

Today we are chatting with Kelsa Dickey.

Kelsa is the Founder and Financial Coach behind Fiscal Fitness Phoenix.

What began as a side hustle for Kelsa over a decade ago has grown into a business that helps hundreds of clients every year gain clarity, purpose and peace of mind with their money.

Four years ago, she decided financial coaches are the key to solving the stress people feel with money so she launched the Financial Coach Academy - a robust training program that teaches future financial coaches how to get great results with their clients.

Timeline:

  • 00:43 - Intro
  • 01:29 - Kelsa's Journey
  • 06:19 - What is financial coaching?
  • 07:41 - Your Emotions and Achieving Financial Freedom
  • 09:26 - Financial Coaching as a Couple
  • 11:03 - The Reality of Financial Coaching
  • 14:11 - Knowing You are Ready for Financial Coaching
  • 18:35 - Types of Financial Coaches
  • 20:49 - What to Expect from Financial Coaching
  • 46:27 - Cost of a Financial Coach/Finding a Financial Coach
  • 58:09 - Contacting Kelsa

Resources & Links:

Sep 8, 2020

Today we are hanging out with Dennis LaVoy.

Dennis is CERTIFIED FINANCIAL PLANNER™ designation (CFP®) and a Chartered Life Underwriter (CLU®) and founder of Telos Financial, a holistic financial planning firm.

Dennis has worked in the financial planning industry since 2008 and is passionate about helping others achieve their goals.

He lives in Michigan with his wife and two kids

Timeline:

  • 00:45 - Intro
  • 01:35 - Dennis' Journey to Becoming a Certified Financial Professional
  • 03:55 - What is Life Insurance?
  • 04:49 - Types of Life Insurance
  • 08:10 - How Much Coverage Do You Need?
  • 12:14 - The Convertible Feature
  • 15:35 - Life Insurance Health Ratings
  • 16:58 - Who Needs Life Insurance?
  • 22:33 - Does Everyone Need Life Insurance?
  • 23:19 - The Life Insurance Physical
  • 24:56 - Choosing a Term
  • 27:19 - Getting the Best Rates
  • 33:22 - Deciding Which Company
  • 34:30 - Should Spouses Get Identical Plans?
  • 35:44 - Features/Riders to Look Out For
  • 36:45 - Finding Someone to Help You Buy Life Insurance
  • 39:54 - Contacting Dennis

Resources & Links:

Aug 25, 2020

Today we are hanging out with Brian Brandow.

Brian last appeared on episode 20 where he shared how he and his family paid off over $100,000 in debt.

Since changing his financial life he has taught his three kids how to handle money and avoid the mistakes he made.

Today Brian has turned into a champion for financial literacy and has created the "How To Rock Your Money" workbook, in hopes of helping teenagers navigate their own financial future.

Timeline:

  • 00:45 - Intro
  • 03:16 - When Should We Be Talking to Our Kids?
  • 03:54 - Should Kids Be Included In Your Financial Discussions?
  • 08:43 - Kids and Jobs
  • 09:34 - Giving Children Allowances
  • 11:30 - Teaching Your Children about Finances
  • 14:22 - Explaining to Your Kids about Your Financial Mistakes
  • 15:30 - The Parent's Role in Children's Spending
  • 18:44 - Talking about Paying for College
  • 22:30 - Discussing Retirement with Teenagers
  • 23:45 - Teaching Entrepreneurship
  • 26:25 - The Importance of Giving Back
  • 27:04 - The Most Important Thing to Discuss with Your Children
  • 28:01 - The "How To Rock Your Money" workbook
  • 29:11 - Rapid Fire: What is one thing someone can do today that can have a lasting impact on their financial future?
  • 29:43 - Rapid Fire: What is the best financial advice you have ever received?
  • 30:23 - Rapid Fire: What is an internet resource such as Raise or Rakuten that you recommend?
  • 32:00 - Rapid Fire: What is one book you recommend everyone read and why?
  • 32:59 - Contacting Brian

Resources & Links:

Aug 18, 2020

Today we are chatting with Adam Carroll.

Adam is an internationally recognized speaker and author. He is a two-time TED talk speaker, with one of his talks surpassing 5 million views, creator of the documentary film, Broke Busted & Disgusted and the founder of The Shred Method.

Adam is also the host of The Build A Bigger Life Podcast and a retreat leader within his community of life architects.

Adam lives through the principle “build a bigger life, not a bigger lifestyle” and is doing this through helping others identify their 10 year freedom plan.

Timeline:

  • 00:45 - About Adam
  • 01:29 - Adam's Journey
  • 04:02 - You Create Your Own Reality
  • 12:55 - The Student Loan Crisis
  • 15:52 - Avoiding Student Loans
  • 21:36 - The Future of Student Loans
  • 24:59 - The Shred Method to Paying Off Debt
  • 34:48 - Build a Bigger Life, Not a Bigger Lifestyle
  • 44:27 - The 10 Year Freedom Plan
  • 46:37 - Contacting Adam

Resources & Links:

Aug 11, 2020

Today we are talking with Scott Maderer.

After struggling with their own financial habits, Scott and his wife Carrie, changed their financial life and paid off their debt in 2009.

Since becoming debt free Scott and his wife have started a coaching business, Inspired Stewardship, to help others who are struggling to live out their own calling in life.

Scott is a certified Human Behavior Consultant, a member of the John Maxwell Team and is the host of the Inspired Stewardship Podcast.

Timeline:

  • 01:02 - Intro
  • 01:56 - Scott's Journey to Becoming a Financial Coach
  • 04:52 - What is Financial Coaching?
  • 06:30 - Consultant vs. Coach
  • 14:02 - The Initial Financial Coaching Call
  • 16:27 - What to Expect from Financial Coaching
  • 23:26 - What is a Financial Advisor/Financial Planner?
  • 26:03 - Financial Advisor Fee Structures
  • 29:30 - Financial Advisor vs. Financial Coach
  • 31:10 - Pay Off Debt or Invest
  • 33:42 - When to Call a Financial Coach?
  • 35:24 - Contacting Scott

Resources & Links:

Aug 5, 2020

Today we are talking with Scott Maderer.

After struggling with their own financial habits, Scott and his wife Carrie, changed their financial life and paid off their debt in 2009.

Since becoming debt free Scott and his wife have started a coaching business, Inspired Stewardship, to help others who are struggling to live out their own calling in life.

Scott is a certified Human Behavior Consultant, a member of the John Maxwell Team and is the host of the Inspired Stewardship Podcast.

Timeline:

  • 00:45 - Intro
  • 01:39 - Scott's Journey to Becoming a Financial Coach
  • 04:27 - Finding Your Calling
  • 13:25 - Time, Talent, & Treasure
  • 21:13 - 1% Improvement
  • 23:32 - Progress vs. Perfection
  • 26:10 - Contacting Scott

Resources & Links:

Jul 28, 2020

Today we are hanging out with Steven Donovan!

Steven is a financial coach and the man behind the Even Steven Money Blog.

After some early financial stumbling blocks, Steven paid off over $100,000 in personal debt in just 5 years.

Now, Steven is sharing what he learned with others to help them get out of debt and avoid the same early pitfalls.

Timeline:

  • 00:45 - Intro
  • 01:14 - Steven's Financial Freedom Journey
  • 03:28 - Mercedes-Benz to Bike
  • 09:07 - Evaluating Your Expenses/Negotiating Your Expenses
  • 16:54 - The aha Moment
  • 22:49 - Staying Motivated
  • 26:50 - Aligning Your Finances with Your Values and Goals
  • 30:14 - Finances and Your Fitness
  • 34:51 - Rapid Fire: What is one thing someone can do today that can have a lasting impact on their financial future?
  • 36:17 - Rapid Fire: What is the best financial advice you have ever received?
  • 37:48 - Rapid Fire: Rapid Fire: What is an internet resource such as RaiseCardCash or Rakuten that you recommend?
  • 39:19 - Rapid Fire:What is one book you recommend everyone read and why?
  • 40:18 - Contacting Steven

Resources & Links:

Jul 21, 2020

Today we are hanging out with Jenn Walker Wall!

Jenn is the founder of Work Wonders Careers and is the co-host of the .

Before founding Work Wonders Careers Jenn worked in HR and hiring at MIT, Harvard University, and Massachusetts General Hospital.

As the founder and career strategist of Work Wonders Careers Jenn is helping individuals get clear on their goals, confident in their value and convey it in a compelling way throughout their career journey.

And that is what we are talking about today.

Timeline:

  • 00:44 - Intro
  • 01:43 - Finding Clarity and Confidence
  • 07:48 - Transferable Skills
  • 10:16 - Starting Your Job Search
  • 14:55 - Gaps in Your Resume
  • 18:13 - Biggest Mistakes When Job Searching
  • 25:08 - The Purpose of the Resume
  • 26:50 - Acing the Interview
  • 29:03 - Making Sure the Job & Company are a Good Fit
  • 33:08 - Negotiating Salaries
  • 36:14 - Promotions Without Pay Raises
  • 38:48 - Developing a "Network"
  • 43:39 - Rapid Fire: What is the best financial advice you have ever received?
  • 30:57 - Rapid Fire: Rapid Fire: What is an internet resource such as RaiseCardCash or Rakuten that you recommend?
  • 45:44 - Rapid Fire:What is one book you recommend everyone read and why?
  • 46:37 - Contacting Jenn

Resources & Links:

Jul 15, 2020

Today we are hanging out with Todd Tresidder.

Todd became a self-made millionaire in 12 years and "retired" early at the age of 35.

Todd has been featured on NPR, in Forbes, and the Wall Street Journal.

Today you can find Todd mentoring others on how to invest, build wealth and retire early on the Financial Mentor Podcast and blogging at Financial Mentor

Timeline:

  • 00:44 - Intro
  • 01:12 - Todd's Story
  • 02:43 - Money is Not Freedom
  • 04:47 - Achieving Financial Freedom with Balance
  • 07:56 - Net Worth $0 to Early Retirement
  • 09:23 - Value over Cheap
  • 19:28 - When Should You Plan for Retirement?
  • 22:38 - Deciding Your Goal Retirement Dollar Amount
  • 25:53 - "It's not about doing it perfectly, it's about getting started"
  • 26:35 - Financial Intelligence
  • 28:30 - Rapid Fire: What is one thing someone can do today that can have a lasting impact on their financial future?
  • 30:57 - Rapid Fire: What is an internet resource you recommend?
  • 31:43 - Rapid Fire:What is one book you recommend everyone read and why?
  • 35:26 - Contacting Todd

Resources & Links:

Jul 7, 2020

Today we are hanging out with Travis Hornsby.

Travis is the founder of Student Loan Planner, where he dedicates his time to helping individuals find ways to save money on their student loans.

Timeline:

  • 00:44 - Intro
  • 01:55 - Travis' Story
  • 04:20 - Different Strategic Approaches to Student Loans
  • 09:41 - Loan Forgiveness
  • 20:07 - Private Refinancing
  • 27:54 - Paying Off verse Holding Onto Student Loans
  • 32:52 - "The Carnage that's Happening in Grad Schools"
  • 37:16 - Securing a Low Refinance Interest Rate
  • 38:52 - Refinancing Walkthrough
  • 46:45 - Contacting Travis

Resources & Links:

Jun 30, 2020

Today we are chatting with Melissa Thomas.

Melissa is a financial coach, the author of the book Building My Yellow Brick Road: Life Lessons from Pursuing a Dream, and the blogger behind MelissaTheCoach.com.

But before doing all of that Melissa hit financial rock bottom in 2009 and slogged her way to successfully paying off over $43,000 in debt in just 4 years.

Timeline:

  • 00:44 - Intro
  • 01:17 - Melissa’s Financial Freedom Journey
  • 07:01 - The Afford It Fallacy
  • 11:31 - How much to save in an emergency fund
  • 14:15 - Personalizing your Financial Freedom Journey
  • 18:17 - Comparing Yourself to Others
  • 20:05 - When your spouse isn’t ready for Financial Freedom
  • 27:56 - Debt Free is Life Changing
  • 29:21 - Leaving Your Comfort Zone
  • 35:49 - Rapid Fire: What is one thing someone can do today that can have a lasting impact on their financial future?
  • 39:26 - Rapid Fire: What is the best financial advice you have ever received?
  • 40:00 - Rapid Fire: What is an internet resource such as Raise, CardCash or Rakuten that you recommend?
  • 42:17 - Rapid Fire: What is one book you recommend everyone read and why?
  • 44:48 - Contacting Melissa

Resources & Links:

Jun 24, 2020
Jun 16, 2020

Today we are hanging out with Ericka Young.

Ericka and her husband paid off nearly $100,000 of debt in the first 5 years of their marriage.

After paying off her debt Ericka went to Nashville to train with Dave Ramsey and his team to become a financial coach to assist others in getting out of debt.

Ericka is the author of the book Naked and Unashamed - 10 Money Conversations Every Couple Must Have.

Timeline:

  • 00:44 - Intro
  • 01:18 - Ericka's Financial Freedom Journey
  • 04:57 - Why we are in debt...
  • 07:42 - Goal Setting
  • 12:29 - Social Media's Impact
  • 14:28 - Finding Money in Your Budget/Managing Spending
  • 23:43 - Goal Setting Continued
  • 28:02 - Hidden Expenses of Buying a House
  • 29:17 - Planning Out the Monthly Spending
  • 33:32 - Couple's Money Conversation
  • 39:06 - Rapid Fire: Share an internet resource like Mint with the Financial Freedom Community
  • 41:01 - Rapid Fire: What is your favorite financial blog?
  • 42:02 - Rapid Fire: What is one financial book that everyone should read?
  • 44:26 - Contacting Ericka

Resources & Links:

Jun 10, 2020

Today we are chatting with Jenny and Jimmy.

Jenny and Jimmy are the bloggers behind LivingLifeLovingUs where they share their story along with budgeting tips, culinary creations, and health and fitness advice

Jenny and Jimmy together have paid off $120,000 of debt in less than 24 months.

Timeline:

  • 00:44 - Intro
  • 01:13 - Jenny & Jimmy's Financial Freedom Journey
  • 10:51 - Cruise Money Saving Hack
  • 12:56 - Financial Changes After Having Kids/Newborn Budget Hacks
  • 15:38 - Lowering Your Expenses/Intentional Spending
  • 25:41 - Financial Advice for Expecting Parents
  • 27:04 - Jenny & Jimmy's Infertility Journey
  • 30:56 - Rapid Fire: Share an internet resource like Mint with the Financial Freedom Community?
  • 31:19 - Who is your financial hero?
  • 32:34 - Rapid Fire: What is one financial book that everyone should read?
  • 33:16 - The Budget Meeting
  • 34:29 - Contacting Jenny & Jimmy

Resources & Links:

Jun 10, 2020

Today we are hanging out with Andy Hill!

Andy and his wife are completely debt free, including their mortgage.

They have also increased their net worth by $800,000.

Andy is the man behind the Marriage, Kids and Money blog and podcast.

Timeline:

  • 00:44 - Intro
  • 01:08 - Andy's Financial Freedom Journey
  • 08:22 - The Budget Party
  • 10:31 - Children and Financial Freedom
  • 17:20 - Paying Off vs. Keeping Your Mortgage
  • 21:48 - Growing My Net Worth By $800,000
  • 23:26 - Being a Parent's Impact on Financial Freedom
  • 26:04 - 529 Education Plan
  • 28:58 - Starting a Family
  • 30:15 - Salad Bar Financial Concept
  • 36:30 - Rapid Fire: Share an internet resource like Mint
  • 37:37 - Rapid Fire: What is your favorite financial blog, other than your own?
  • 38:25 - Rapid Fire: What is one financial book that everyone should read?
  • 39:45 - Rapid Fire: What is your favorite financial hack?
  • 40:56 - Contacting Andy

Resources & Links:

May 23, 2018

Today we are hanging out with Andrew Fichter.

Andrew was your typical American stuck working from a cubicle every day. But he wanted more and decided to give it all up for an opportunity to be happier.

Andrew inspires others to change their life at the blog, Shift Upwards.

Timeline:

  • 00:55 - Intro
  • 01:20 - Andrew's Financial Freedom Journey
  • 07:15 - How Andrew Quit His Job
  • 09:16 - Preparing to Quit
  • 14:21 - Life Since Andrew Quit His Job
  • 21:03 - The Importance of Journaling
  • 25:55 - Self-Discovery
  • 30:45 - Getting Through Tough Times In Life
  • 33:33 - Andrew's Recommended Books and Blogs
  • 36:00 - Contacting Andrew

Resources & Links:

May 15, 2018

Today we are chatting with Shlomo Freund.

Shlomo is an entrepreneur who has spent the last 14 years building wealth so that he can control his own destiny and future.

Today Shlomo is location independent and travels the world on what he calls workations.

Timeline:

  • 00:57 - Intro
  • 01:23 - Shlomo's Financial Freedom Journey
  • 05:15 - How can you find a job to work remotely?
  • 07:51 - Affordable Travel Hacks
  • 11:25 - The Workation
  • 13:52 - Cost to Work from Anywhere
  • 15:02 - Picking a Working Location
  • 18:22 - How to Start Working Location Independently?
  • 18:56 - Planning Your First Workation
  • 21:05 - "Living Like a Local"
  • 22:44 - Workcation's With Children
  • 23:50 - Contacting Shlomo

Resources & Links:

May 8, 2018

Today we are chatting with Miranda Marquit.

Miranda is a nationally-recognized financial expert. She is a panelist on the Money Tree Investing Podcast, co-founder of Adulting.tv, and the blogger behind Planting Money Seeds.

Timeline:

  • 01:03 - Intro
  • 01:35 - Miranda's Financial Freedom Journey
  • 06:30 - How you can start investing?
  • 22:45 - What should you invest in?
  • 27:10 - Deciding When to Sell
  • 34:50 - Miranda's Results
  • 35:52 - When should you invest?
  • 40:22 - What Miranda Wish She Knew When She Started
  • 41:00 - Contacting Miranda

Resources & Links:

May 1, 2018

Today we are chatting with Dustin Heiner.

Dustin has spent over 8 years mastering the art of real estate rental properties. Today Dustin earns over $100,000 annually from his real estate investments alone.

Dustin is also the man behind the Master Passive Income blog and podcast where he shares his story and helps others create an income stream from real estate.

Timeline:

  • 01:09 - Intro
  • 01:35 - How Dustin Started?
  • 10:28 - Finding a Property to Rent
  • 13:12 - Creating a Rental Property Business
  • 19:44 - Finding a Property Manager
  • 29:04 - Managing Unexpected Expenses
  • 32:06 - Running a Real Estate Business
  • 41:00 - Vacation Rentals
  • 47:46 - What do you wish you knew when you started and a pitfall you had?
  • 51:53 - Dustin's Life Since Starting Rental Properties
  • 55:05 - Getting Started Today

Resources & Links:

Mar 24, 2018

Today we are chatting with David Auten and John Schneider.

David and John have over 30 years of combined experience in finance and are more commonly known as the Debt Free Guys.

They specialize in and are the only gay couple talking about money and the queer community. They blog over at DebtFreeGuys.com and can be heard weekly on the Queer Money Podcast.

Timeline:

  • 01:06 - Intro
  • 01:31 - David & John's Financial Freedom Journey
  • 06:52 - "The Gay Cliché"
  • 08:51 - Momentary Happiness vs. Long-term Happiness
  • 18:42 - Making a Financial Shift
  • 32:42 - Financial Advice for the LGBTQ Community
  • 39:31 - LGBTQ Financial Discrimination
  • 46:34 - Contacting David and John

Resources & Links:

Mar 20, 2018

Timeline:

  • 01:35 - What is the difference between a savings account, a checking account, and a money market account?
  • 04:30 - I gave my friend my debit card to buy something at a basketball game. When they came back they told me how much was in my account, meaning they went to an ATM and looked. What should I do?
  • 07:33 - What are the long-term effects of bankruptcy?

Resources & Links:

Mar 18, 2018

Today we are talking with Shannon Mclay.

Shannon is the author of 'Train Your Way To Financial Fitness' and her own blog Financially Blonde. Shannon is the founder and CEO of the Financial Gym where she helps people become financially fit.

Shannon is a contributor to AOL, LifeHacker, Huffington Post, US News & World Reports, and many others. She also hosts the award winning Business and Investing Podcast – Martinis and Your Money – Living a Better Life One Cocktail At a Time.

Timeline:

  • 01:09 - Intro
  • 01:43 - Shannon's Financial Freedom Journey
  • 07:30 - What are you working for?
  • 10:32 - Accountability Partners
  • 14:50 - Money Tradeoffs
  • 20:40 - Getting Financially Fit
  • 33:49 - Preventing Lifestyle Inflation
  • 41:13 - Getting in touch with Shannon

Resources & Links:

Feb 24, 2018

Today we are hanging out with Caroline Vencil.

Caroline is a penny pinching master. Her family spent 4 years living off $17,000 per year. She is a self-described frugalista, hippie, and mom.

Caroline inspires others to live fully and budget fiercely at CarolineVencil.com.

Timeline:

  • 01:01 - Intro
  • 01:46 - Caroline's Financial Freedom Journey
  • 05:28 - Living on $17,000
  • 16:55 - Raising Kids on a Budget
  • 22:57 - Budgeting Friends
  • 26:26 - Couponing without Clipping
  • 35:49 - Caroline's Budget
  • 43:50 - Scalling Back Your Expenses
  • 46:05 - Determining Value vs. Cost
  • 50:57 - Caroline's Favorite Book
  • 52:07 - Caroline's Favorite Resource
  • 55:37 - Getting in touch with Caroline

Resources & Links:

Feb 20, 2018

Timeline:

  • 01:28 - I have a MasterCard and a Visa card. How important is it, to get a Discover and an American Express card?
  • 05:26 - The company I work for is showing signs they are struggling and might be going out of business. What can I do?
  • 07:46 - Should I pay off my car loan or put the money towards my student loans?

Resources & Links:

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