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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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Now displaying: 2017
MoneySmarts 020: Climbing Out of $109,000 of Debt (with Brian from Debt Discipline) 0
Jun 12, 2017

Timeline:

  • 00:23 - Intro
  • 01:17 - Brian's Financial Freedom Journey
  • 10:06 - Was your family on-board for Financial Freedom?
  • 11:56 - Giving up credit cards
  • 12:55 - How did you stay motivated during your Journey?
  • 15:17 - How have you talked to your children about Financial Freedom?
  • 19:59 - Implementing a financial wellness plan at work
  • 23:24 - Bringing financial literacy to K-12 students
  • 28:13 - Technology to help manage and improve finances
  • 30:33 - Getting in contact with Brian

Resources & Links:

AJ Episode 19 - When You're Laid Off 0
Jun 6, 2017

Timeline:

  • 00:57 - I was just laid off, what do I do now?
  • 03:16 - I purchased something a week ago and it still hasn’t been charged to my account. It isn’t even pending. Did they miss something?
  • 05:18 - I cannot get my expenses any lower and I cannot get a raise at work. I need ideas for alternative income sources, what do you recommend?
  • 08:32 - Where can I check my credit report and credit score?

Resources & Links:

MoneySmarts 019: Focusing on Finances Before Marriage (with Jessica Garbarino from Every Single Dollar) 0
Jun 4, 2017

Timeline:

  • 00:23 - Intro
  • 00:41 - Jessica's Financial Freedom Journey
  • 03:33 - Waiting until marriage to worry about finances
  • 15:09 - Putting your Financial Freedom Journey on hold
  • 24:25 - Life without a credit score and credit cards
  • 30:35 - Life after debt freedom
  • 34:42 - How to prevent going back into debt?
  • 37:38 - What is Every Single Dollar?
  • 41:17 - Contacting Jessica

Resources & Links:

AJ Episode 18 - Using Credit Cards to Boost My Credit Score 0
May 30, 2017

Timeline:

  • 00:50 - I want to start looking for a new job. How can I find a job without my current employer finding out?
  • 05:57 - How much cash should I keep in my purse?
  • 07:48 - What order should I pay off my debt and how soon should I pay it off?
  • 10:23 - I got a credit card to try to boost my credit score. I read somewhere that when paying the bill I should only pay off 10% each month instead of in full for a better credit score, is this true?
  • 12:53 - Win a $50 Visa Gift Card

Resources & Links:

MoneySmarts 018: Living In The Hood to Payoff $120,000 of Debt (with Aja McClanahan of PrinciplesOfIncrease.com) 0
May 21, 2017

Timeline:

  • 00:23 - Intro
  • 01:01 - Aja's Financial Freedom Journey
  • 07:27 - What was moving to "the hood" like?
  • 10:25 - How did you stay motivated on your Financial Freedom Journey?
  • 13:03 - Walk us through the thinking when deciding to move to "the hood"
  • 18:05 - Financing the American Dream
  • 22:16 - Relapsing
  • 24:35 - Earning a Bachelor's Degree While In High School
  • 26:47 - Life after Debt Freedom
  • 32:24 - Teaching Your Daughters About Financial Freedom
  • 35:53 - Chicago Tips
  • 38:31 - Learning more about Aja
  • 40:00 - Win a $50 Visa Gift Card

Resources & Links:

AskJoel 016: Your Credit Card Questions 0
May 16, 2017

Timeline:

  • 01:03 - I have a Discover card with over $1,000 on it and anticipate paying it off in the next year. I do not get enough rewards on Discover and want to get a new credit card. Which rewards card do you recommend?
  • 03:07 - I have $1,100 in credit card debt and no emergency fund. Should I pay off my credit card first or build an emergency fund?
  • 04:29 - My credit card limit was raised from $500 to $2,000. Why?
  • 05:44 - I was just notified that American Express is closing my card due to inactivity. How will this impact me?
  • 07:14 - Win a $50 Visa Gift Card

Resources & Links:

MoneySmarts 017: Nominal Retirement Planning 0
May 12, 2017

Today I am talking about Stop #3 of The Financial Freedom Journey, Nominal Retirement Planning. If you have ever dreamed of retiring, which who hasn't you need to listen to this episode and take action.

Timeline:

  • 00:23 - Intro
  • 01:45 - The Compounding Effect
  • 04:09 - How much to contribute towards retirement?
  • 06:29 - 401(k)/403(b)
  • 07:24 - IRA
  • 08:16 - Roth IRA
  • 09:23 - Other Popular Retirement Plans
  • 12:25 - Win a $50 Visa Gift Card

Resources & Links:

AskJoel 015: Paying Off $140,000 Student Loans 0
May 9, 2017

Timeline:

  • 00:42 - I have to move out of my dorm next week. Where should I go?
  • 02:37 - My employer doesn’t offer a company match or even a 401k, how should I plan for retirement?
  • 04:45 - I am in college and have $7,000 in credit card debt and $6,000 in loan debt. I make $900 per month and am constantly spending money on alcohol and other dumb stuff. How can I get out of this mess?
  • 06:55 - I have around $140,000 of student loan debt and make $62,000 per year. What is the best way to tackle my debt?
  • 08:58 - Win a $50 Visa Gift Card

Resources & Links:

MoneySmarts 016: Overcoming Your Financial Fears with Zina Kumok (DebtFreeAfterThree.com) 0
May 7, 2017

Timeline:

  • 00:22 - Zina Kumok's Bio
  • 00:57 - Zina's Financial Freedom Journey
  • 03:48 - How did you stay motivated during your Journey?
  • 05:08 - What system did you use to pay off your debt?
  • 06:43 - What is one thing you wish you knew when you were starting out paying off your debt?
  • 07:38 - How did you travel to Europe, Spain, and Israel while paying off your debt?
  • 16:05 - Overcoming Financial Fears
  • 28:11 - Win a $50 Visa Gift Card

Resources & Links:

AskJoel 014: Graduating College, What's Next? 0
May 2, 2017

Timeline:

  • 00:52 - I am already approved for a loan through my bank, but the car dealership wants to restart the loan process?
  • 03:14 - I am graduating from college soon with no debt. I am the first in my family to graduate and don't know what to do next.
  • 05:34 - I just found out my wife is pregnant. This was unexpected and I don't know what to do. Help!
  • 07:05 - I should be receiving a job offer letter tomorrow, when should I tell my employer I am leaving?
  • 09:36 - Win a $50 Visa Gift Card

Resources & Links:

MoneySmarts 015: Side-Hustling with Jason Butler (TheButlerJournal.com) 0
Apr 30, 2017
AskJoel 013: Should I Co-Sign For My Little Brother 0
Apr 24, 2017

Timeline:

  • 01:21 - I was hit by a driver without insurance and I can’t afford to buy a new car, what do I do now?
  • 04:49 - How does debt consolidation affect your credit score?
  • 07:22 - My little brother who is 17 needs a car, but cannot afford to buy one outright. He asked me to co-sign, what could go wrong?
  • 09:03 - I need a root canal done and I cannot afford the bill. Should I just get a credit card?
  • 11:16 - Win a $50 Visa Gift Card

Resources & Links:

MoneySmarts 013: Debt Free Including Your House with Steve Stewart (SteveStewart.me) 0
Apr 15, 2017

Today we are talking with Steve Stewart. Steve has hosted 3 different finance podcasts, but his knowledge comes from first hand experiences. He has paid off over $165,000 in debt including his house. In this episode Steve is sharing what he learned on his Journey so you can implement it as well.

AskJoel 011: Your Credit Card Questions 0
Apr 11, 2017

Today I am answering your credit card questions. Should I use my 401(k)to pay off my credit card debt? I forgot to pay my credit card bill, will I have a late fee and will it impact my credit score? I was denied for a "pre-approved" card, why? Can I live without a credit card? Why not sign-up for a credit card for the bonuses?

MoneySmarts 012: Paying off $30,000 in 10 Months with Whitney Hansen (WhitneyHansen.com) 0
Apr 9, 2017

Today Whitney Hansen is sharing how she paid off $30,000 of student loan debt in only 10 months. We also cover travelling on a budget and the Financial Freedom mind-shift. You won't want to skip this amazing episode.

AskJoel 010: I am stuck in poverty and I want out! 0
Apr 4, 2017

I am answering your top questions every week. Today: I am stuck in poverty and I want out. Every month I overdraft when paying bills, what can I do? I am a minor and want to invest in the stock market, how do I do that? Should I max out my credit cards before using my emergency fund?

MoneySmarts 011: Preparing For Retirement with DJ Whiteside (MyMoneyDesign.com) 0
Apr 2, 2017

Today we are discussing the grand finale of your Financial Freedom Journey, retirement. Between what type of retirement plan to go with to how much to save for retirement, it can seem like a foreign language. But DJ walks you through setting yourself up for a successful retirement.

AskJoel 009: Date Night On A Budget 0
Mar 28, 2017

I am answering your top questions every week. Today: How do I calculate my net worth? How do I bargain? How do I date on a budget?

MoneySmarts 010: Creating Your "Why" & Journey Timeline 0
Mar 26, 2017

Today we are discussing one of the most critical parts of your Financial Freedom Journey. Discovering the reason to achieve Financial Freedom, it isn't what you think, and creating a timeline to achieve your Journey.

AskJoel 008: Find a Job & Ask for a Raise 0
Mar 22, 2017

I am answering your top questions every week. Today: Should I get a job at the age of 16? How do I ask for a raise at my job? How do I find a job?

MoneySmarts 009: Creating an Emergency Fund 0
Mar 17, 2017

Today I am talking about Stop #2 of The Financial Freedom Journey.

Are you tired of stressing about surprise expenses? Then it is time to make a shift to a more stress-free life. This is one of the foundational principles to your Financial Freedom Journey and a must for achieving Financial Freedom.

MoneySmarts 008: Saving 60% of Your Paycheck with Matt from Distilled Dollar 0
Mar 12, 2017

On today's episode we are chatting with Matt from Distilled Dollar. Matt saves 60% of each paycheck and explains how you can do the same.

Additionally, Matt and I chat about investing in the stock market and he also shares his favorite books. Don't go anywhere, click play right now!

AskJoel 007: Auto Insurance 0
Mar 7, 2017

I am answering your top questions every week. Today: What do you recommend for auto insurance?

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