rich & REGULAR with Kiersten and Julien Saunders

Julien and Kiersten Saunders (@richandregular) are discussing their personal experience of moving their mom out of Senior housing and taking on the role of financially supporting a parent. Caring for elders and children at the same time isn’t a new concept, but a recent report suggests that modern caregivers are younger and more ethnically diverse and newer to caregiving as a whole. Millennials and Gen X’ers are feeling the squeeze.  We don’t have any magic solutions, but in this week’s episode, we share:  How Julien’s upbringing and cultural norms impacted his financial planning  What led us to step in and provide financial assistance  What it means to be part of the “sandwich generation” Our favorite resources on navigating difficult money conversations with parents Full show notes and resources can be found here: www.richandregular.com/listen  Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers See omnystudio.com/listener for privacy information. Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

Julien and Kiersten Saunders (@richandregular) explore the multi-billion dollar business of selling points. Today, most credit card issuers offer consumers points as an incentive to spend more. These points can be used to reduce or even eliminate costs of something you’ve got your eye on….but is it worth it?  In this episode, we cover:  What “points hacking” is and the pros and cons of gamifying your spending Whether rewards points are a reasonable way to lower your expenses The unique relationship between airlines and loyalty programs  How to convert the value of any rewards currency to dollars Full show notes and resources can be found here: www.richandregular.com/listen  Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers  See omnystudio.com/listener for privacy information. Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

Julien and Kiersten Saunders (@richandregular) ask an important question: is homeownership a luxury?   The real estate industry is booming right now, but what does it mean for buyers? In this episode, we’re discussing recent trends in the real estate market and whether owning a home should be considered a luxury purchase. We cover:  What it means for a home to be affordable based on a recent survey Affordability trends in the US  The connection between homeownership and the American Dream The new route to homeownership for the Middle Class  Full show notes and resources can be found here: www.richandregular.com/listen  A playback of our April 22 Webinar on Income can be found here: https://richandregular.com/AprilReplay Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers  See omnystudio.com/listener for privacy information. Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

Finance is a big topic. We have a whole podcast on it! With all of the many terms, concepts and strategies, it can be daunting to start the journey to mastering good financial practices. Julien and Kiersten talk about their own journeys on the topic and offer some advice for the best ways to start out.   Resources: GameStop's Wild Stock Ride Exposed Our Country's Financial Illiteracy - https://www.lx.com/money/lx-natl-gamestops-wild-stock-ride-exposed-our-countrys-financial-illiteracy/32215/ For most U.S. workers, real wages have barely budged in decades - https://www.pewresearch.org/fact-tank/2018/08/07/for-most-us-workers-real-wages-have-barely-budged-for-decades/ I Will Teach You To Be Rich by Ramit Sethi - https://www.amazon.com/Will-Teach-You-Be-Rich/dp/0761147489 Rich Dad Poor Dad by Robert T. Kiyosaki - https://www.amazon.com/Rich-Dad-Poor-Teach-Middle/dp/1612680178/ref=sr_1_1?dchild=1&keywords=rich+dad+poor+dad&qid=1617281538&s=books&sr=1-1 The Wall Street Journal Complete Money and Investing Guidebook - https://www.amazon.com/Journal-Complete-Investing-Guidebook-Guidebooks-ebook/dp/B000S1LEQ0/ref=sr_1_1?dchild=1&keywords=The+Wall+Street+Journal+Complete+Money+and+Investing+Guidebook&qid=1617281706&s=books&sr=1-1 Standard and Poors Survey on Financial Literacy - https://www.kiplinger.com/article/retirement/t047-c032-s014-most-think-they-know-more-about-money-than-they-do.html Join the SUCCESS Achievers community today for access to courses and like-minded people - https://achievers.success.com/See omnystudio.com/listener for privacy information. Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

Yes, you can avoid some fees just by knowing they exist, and for the rest it's being mindful of it. Factor it in when you're comparing and lean into technology. Digital banks often have fewer fees and certain budget apps will isolate your fees so you can track it like any other category. Resources: AARP Study on Fees - https://assets.aarp.org/rgcenter/econ/401k-fees-awareness-11.pdf Expense Ratio Calculator - https://www.nerdwallet.com/blog/investing/mutual-fund-calculator/ Expense Ratio definition - https://www.investopedia.com/articles/investing/062113/mutual-funds-management-fees-vs-mer.aspSee omnystudio.com/listener for privacy information. Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

Julien and Kiersten Saunders are the new Money Editors for SUCCESS magazine. In their first podcast, they tell SUCCESS Editor-in-Chief Josh Ellis how they met, how they started talking about money and what they have planned for the new show.See omnystudio.com/listener for privacy information. Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

Find out what's to come from Kiersten and Julien Saunders.See omnystudio.com/listener for privacy information. Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow