How I Buried Myself $30,000 in Debt and Dug My Way Out

How I Buried Myself $30,000 in Debt and Dug My Way Out

I originally released my book “Debt Free or Die Trying” in 2016. The revised book is better organized (thanks to my editor), contains 40-pages of new material, three completely new chapters, and my 4-step road map to improve your credit score while...
The Boujie Budgeter ft. Mykail James – PB167

The Boujie Budgeter ft. Mykail James – PB167

Mykail James is the founder of Boujie Budgets and is passionate about teaching Gen Z professionals how to manage their finances without sacrificing their lifestyle. Mykail is a Certified Financial Literacy instructor with an MBA focused on accounting, and her fresh...
The Best 50/30/20 Budget Calculators

The Best 50/30/20 Budget Calculators

It’s difficult deciding, “which is the best budget type?” Because the answer is: there is no right answer. The best budget is the budget that works for you. We looked into the best budget calculators (for free online) for you. As I shared with Nerd...
Key Person of Influence: How to Implement the 5P System

Key Person of Influence: How to Implement the 5P System

This page may contain affiliate links. Please read our Advertiser Disclosure for more info. We read and reviewed the 15 best investment and money books (according to the experts) so you don’t have to! After completing that personal goal, I started reading more ‘good...
Money and Relationships ft. Adam Kol – PB165

Money and Relationships ft. Adam Kol – PB165

Couples Financial Counselor Adam Kol joins the show today. Adam is a finance geek who started his finance journey studying Economics at The University of Miami. While studying for his degree he landed a job at Northwestern Mutual. There, he developed a love of working...
The Best Money Books

The Best Money Books

In 2016, I released my own money book, Debt Free or Die Trying: How I Buried Myself in Over $30,000 in Debt and Dug My Way Out by Age 30. To improve the Second Edition: D.E.B.T. Free or Die Trying, I read the 15 best money books. When it comes to financial literacy,...
Let’s Keep Stacking Benjamins ft. Joe Saul-Sehy – PB164

Let’s Keep Stacking Benjamins ft. Joe Saul-Sehy – PB164

Joe Saul-Sehy joins us on the podcast today. Joe is one of the hosts of the award-winning “Stacking Benjamins” Podcast, where he and his co-host OG discuss financial literacy. The show has been running since 2012 and since then, Joe and OG’s goal has been to make...
What You Should Know About Disability Insurance – PB163

What You Should Know About Disability Insurance – PB163

This page may contain affiliate links. Please read our Advertiser Disclosure for more info. Colin Nabity, the CEO of Breeze Insurance, joins Rich today for another episode of Paychecks & Balances. Breeze is an Insuretech company that makes it easy for American...
The Best African American Financial Advice Books

The Best African American Financial Advice Books

This page may contain affiliate links. Please read our Advertiser Disclosure for more info. Here are eight African American financial advice books written by men and women dedicated to expanding financial literacy in the black community. Our voices should be...
The Real Estate Syndicate ft. Lisa Hylton  – PB162

The Real Estate Syndicate ft. Lisa Hylton – PB162

On the show with us today is Lisa Hylton, a controller who manages funds that invest in real estate. Lisa currently resides in Los Angeles but grew up in Grand Cayman with her real estate investing parents who eventually influenced her to build a career in the same...
The Perfect Portfolio ft. Kevin Matthews, Financial Expert

The Perfect Portfolio ft. Kevin Matthews, Financial Expert

This page may contain affiliate links. Please read our Advertiser Disclosure for more info. Kevin L. Matthews II was named one of the Top 100 Most Influential Financial Advisors by Investopedia. He is a Certified Financial Planner, bestselling author, and former...
Investing Made Easy with “Trade Your 9 to 5”

Investing Made Easy with “Trade Your 9 to 5”

This page may contain affiliate links. Please read our Advertiser Disclosure for more info. Tela Holcomb joined Rich Jones and The Marcus Garrett on Episode 88 to talk Investing Made Easy. Tela is a mom, wife, and stock and options trader who focused on spending more...
Maybe You Should Talk to Someone

Maybe You Should Talk to Someone

You are not lost. We are a personal finance business. We read and reviewed the 15 best investment and money books (according to the experts) so you don’t have to. However, money is as much the mastery of mind over money as it is money over math. Therefore, as hosts,...
The Behavioral Investor by Dr. Daniel Crosby

The Behavioral Investor by Dr. Daniel Crosby

This page may contain affiliate links. Please read our Advertiser Disclosure for more info. We read and reviewed the 15 best investment and money books (according to the experts) so you don’t have to! Typically, my reviews are first-person narrative. I am an artist...
Hey Berna: Your Financial Hype Woman

Hey Berna: Your Financial Hype Woman

Berna Anat, or @HeyBerna to her over 20,000 followers, describes herself as, “The financial world desperately needs a hype woman, and I have more than enough energy, hair, and #debtfree-vibes to do the job.” We originally met at FinCon: Where Money and...
Life Skills that Matter ft. Stephen Warley – PB156

Life Skills that Matter ft. Stephen Warley – PB156

Stephen Warley joins Rich on the podcast today. Stephen is the founder of “Life Skills That Matter”. Life Skills That Matter is on a mission to help you begin to start working for yourself and create a life and career that’s aligned with your personal values. If you...
From $5.15 an Hour to $515 an Hour

From $5.15 an Hour to $515 an Hour

“The key to overnight success is the first 10 years.” I’m not sure where this quote originates from. I first heard it repeated from a friend of a friend that I met while speaking at Chase Bank in New York City for National Savings Month. The quote...
The Value of Awareness ft. Kassandra Dasent – PB155

The Value of Awareness ft. Kassandra Dasent – PB155

CEO of Bridge Tech Enterprises, Kassandra Dasent is on the show today. Kassandra is a member of Gen X, a financial expert, a singer-songwriter, caregiver and project management guru. Her money story started at a young age in Trinidad, where she grew up being raised by...
5 Money Moves to Make Outside of Your Pension Plan

5 Money Moves to Make Outside of Your Pension Plan

I had an opportunity to speak at The Association of Government Accountants (AGA). The topic, as you may have guessed, covered Money Moves Outside of Your Pension Plan. I tried to cram 10-years worth of mistakes and lessons learned into a 45-minute discussion.  The...
Millennial Money ft. Shannah Compton Game – PB153

Millennial Money ft. Shannah Compton Game – PB153

Shannah Compton Game of The “Millennial Money” podcast joins the P&B family today. Shannah is a Certified Financial Planner with an MBA. She’s also an entrepreneur, podcaster, writer, and teacher. On her show “Millennial Money”, Shannah takes a deep dive into...
In What Order Should I Pay Off 17,000 in Debt? – PB152

In What Order Should I Pay Off 17,000 in Debt? – PB152

Rich and Marcus are answering a question from a listener whose inquiring about the best strategy to pay off some debt. The listener has 3 credit cards and a car note he’s working on. In the listener’s debt payment arsenal, he has a general savings account, an...
The Intelligent Investor

The Intelligent Investor

“This book will not tell you how to beat the market. No truthful book can.“ We read the 15 best Personal Finance books (according to the experts) so you don’t have to! The Intelligent Investor: The Definitive Book on Value Investing by Benjamin Graham...
Career Rehab ft. Kanika Tolver – PB151

Career Rehab ft. Kanika Tolver – PB151

Kanika Tolver joins us on the show today. Kanika is an Information Technology Federal Government professional, Entrepreneur, Coach and Author. Her company Career Rehab LLC, focuses on assisting career transformations for students, professionals and retirees. She does...
Rich 50 is Middle Class 38

Rich 50 is Middle Class 38

While merely a two-second quip on 30 Rock, this quote has haunted my subconscious for years. This poetic (or offensive?) musing was made by Jack Donaghy. If you are unfamiliar with the name, Mr. Donaghy is a fictional character and protagonist of Liz Lemon (also a...
The Black Market Exchange ft. Dr. Eric Patrick – PB149

The Black Market Exchange ft. Dr. Eric Patrick – PB149

Dr. Eric Patrick joins the Paychecks & Balances family today. Dr. Patrick a pharmacist turned investor and Entrepreneur. He’s the founder of  “The Black Market Exchange” (BMEX) which he developed because of the lack of people of color in the investing space. BMEX...
14 Personal Finance Newsletters that Will Save You Time and Money

14 Personal Finance Newsletters that Will Save You Time and Money

Email Newsletters are a great way to maximize your time and money! One of our most popular posts was Subscribe to These Top 10 Personal Finance NewsLetters to Get Your Paychecks Up and Balances Down. Unfortunately, some of the original creators have moved on to other...
10 Best Money, Work, and Investment Blogs – 2019

10 Best Money, Work, and Investment Blogs – 2019

Paychecks and Balances helps working professionals make money, save money, and get out of debt. 2019 was a very good year for the blog, including winning the Plutus Award for Best Millennial or Gen Z Blog! We also received several additional media features, like CBS...
10 Best Money, Work, and Investment Podcasts – 2019

10 Best Money, Work, and Investment Podcasts – 2019

Ready to Turn Your Finances Around? Join our Newsletter! Paychecks and Balances helps working professionals make money, save money, and get out of debt. 2019 was a very good year, including nominations for Podcast of the Year. Thanks again to our awesome guests for...
Side Hustle Nation ft. Nick Loper – PB147

Side Hustle Nation ft. Nick Loper – PB147

Today we welcome the host of “The Side Hustle Show”, Nick Loper. The Side Hustle Show is a weekly podcast that has been running since 2013. It explores creative ideas on how to make money outside of your day job. Nick is a side hustle enthusiast and many years ago he...
How to Create a Financial Independence Plan, A Step-By-Step Guide

How to Create a Financial Independence Plan, A Step-By-Step Guide

This page may contain affiliate links. Please read our Advertiser Disclosure for more info. There is a growing interest in financial independence. But, where do you start? How do you define your retirement number? And, how do you actually reach your financial goals...
How to Be Awesome at Your Job ft. Pete Mockaitis – PB145

How to Be Awesome at Your Job ft. Pete Mockaitis – PB145

We welcome the host of “How to be Awesome at Your Job,” Pete Mockaitis. Each week, Pete grills thought-leaders and result-getters to discover specific, actionable insights that boost work performance. He runs an Enhanced Thinking & Collaboration (ETC) Training...
35 Voices in Personal Finance You Should Follow

35 Voices in Personal Finance You Should Follow

Paychecks & Balances was invited to a double-secret VIP probation event for financial influencers. Like all events that happen during the digital age, if it didn’t happen on the Gram did it really happen? Therefore, The Event (coincidentally?) showed up all over...
Money Hungry ft. Michelle Jackson – PB145

Money Hungry ft. Michelle Jackson – PB145

Today, we welcome Michelle Jackson to the show! She is the founder of Michelle is Money Hungry, a holistic financial/entrepreneurial and wellness resource, focused on empowering women with financial tips and tricks. Michelle runs a popular blog and is also the host of...
What Happens to Your Debt After Death?

What Happens to Your Debt After Death?

Seventy three percent of student loan borrowers don’t know what happens to their debt if they die. In the best of times talking about debt and personal finances is hard even with your own parents (How to Talk About Money and Debt with Your Parents When The...
Your Blueprint to Financial Independence ft. ChooseFI – PB144

Your Blueprint to Financial Independence ft. ChooseFI – PB144

Today on the show we welcome Brad Barrett and Jonathan Mendonsa, the founders of ChooseFI. Drawn together by their desire to help everyday people achieve financial independence, they developed a business that offers financial information to make people’s lives...
10 Excuses Why Financial Independence Does Not Work

10 Excuses Why Financial Independence Does Not Work

It is time for another financial confession this National Financial Planning Month. I confess that Financial Independence (FI) is not for everyone. Actually, if they ever start, most people will fail. The personal finance community likes to preach that FI is for...
How She Makes $1,000 a Day ft. Teri Ijeoma – PB142

How She Makes $1,000 a Day ft. Teri Ijeoma – PB142

Teri Ijeoma began her professional career working in education and non-profits. When she started trading stocks nine years ago, she initially saw it as an opportunity to supplement her income. However, she was so successful with this side hustle that in 2017, she...
Should I Buy My First Home if I Have A Bad Credit Score?

Should I Buy My First Home if I Have A Bad Credit Score?

The following #AskPB listener question has been lightly edited to maintain anonymity. I’m trying to buy a house so I called a lender to just pull my credit and tell me what they think. One credit report is significantly lower than the other two. My score...
The Best Millennial or Gen Z Blog (on the Planet)

The Best Millennial or Gen Z Blog (on the Planet)

This title might be a slight exaggeration. Thank you to the great fans of Paychecks & Balances and the illustrious P&B Family. We were nominated for the 10th Annual Plutus Awards’ Best Millennial or Generation Z Blog and Podcast of the Year. We took home the...
How Does She Do It ft. Tiffany Southerland – PB138

How Does She Do It ft. Tiffany Southerland – PB138

On today’s show, we welcome back an old friend, Tiffany Southerland. Tiff is a graduate of Cornell University and the Pennsylvania Law School. After becoming an accomplished lawyer, Tiff realized that although she was great at law, she had lost her love of life and...
The Personal Finance Expert You Are Looking for Does Not Exist

The Personal Finance Expert You Are Looking for Does Not Exist

Next week we’re up for two Plutus Awards for Podcast of the Year and Best Millennial or Gen Z Blog. Because whether we win or lose our readership may potentially rise, I figured this is the optimum time to level-set expectations for our new visitors. Please enjoy… I...
Review: Irrational Exuberance by Robert Shiller

Review: Irrational Exuberance by Robert Shiller

We’re reading 15 of the best Personal Finance books so you don’t have to or join our weekly newsletter for career advice, debt free planning, interesting articles and receive our free 15 Minute Money Plan: 15 Minutes Can Change the Next 15 Years. This is one of the...
Recession Proof Your Finances in Three Steps

Recession Proof Your Finances in Three Steps

This page may contain affiliate links. Please read our Advertiser Disclosure for more info. OMG, WE’RE HEADING FOR A RECESSION (allegedly)! I’M NOT YELLING, YOU’RE YELLING!! I was in the middle of drafting another weekly post completely unrelated to this topic when I...
EconoMe and The Road to Financial Independence – PB136

EconoMe and The Road to Financial Independence – PB136

Diania Merriam is the creator of EconoMe. EconoME is a one-day conference aimed at reclaiming the American Dream. The American Dream started as an idea that every person had the right to pursue his or her own idea of happiness. EconoMe is about reclaiming that right!...
Two Guys One Therapy (And Career!) Session – PB135

Two Guys One Therapy (And Career!) Session – PB135

Rich and Marcus are back with another freestyle episode. Today they’re doing a mid-year check-in and breaking down how they’re feeling mentally and emotionally in 2019 having both begun meeting with a therapist (Rich for 2 years; and Marcus for 2 months). They also...
Her First $100,000 ft. Tori Dunlap – PB134

Her First $100,000 ft. Tori Dunlap – PB134

We welcome Tori Dunlap of “Her First 100k.” Tori is a financial advocate who educates millennial women and other underserved communities on financial literacy. She’s on track to save her first $100,000 by age 26 and has made it her mission to help others pay off debt,...
The Best Things in Life Aren’t Free – PB133

The Best Things in Life Aren’t Free – PB133

This episode is all about the trials and tribulations that come when you enter back into the job search world. Both hosts recently decided to make a career shift and today we share our stories with you. Whatever your case may be: whether your current role isn’t a good...
Riches Get Stitches ft. BGR – PB132

Riches Get Stitches ft. BGR – PB132

Kitty and Piggy of B*****s Get Riches join the PB family today. Kitty and Piggy are anonymous financial bloggers whose aim is to guide young people through their financial hurdles and careers. They do this through their fun, unique blend of sass, comedy, and...
Is the FIRE Movement a Cure for Millennial Burnout?

Is the FIRE Movement a Cure for Millennial Burnout?

Burnout is a hot topic right now. No Pun. You may have read the viral piece from BuzzFeed that set the internet ablaze, Millennials Became the Burnout Generation. Related: BuzzFeed: This Is What Black Burnout Feels LikeMashable: Our best bet against burnout is...
5 Steps to Achieving Career Clarity ft. Tracy Timm – PB130

5 Steps to Achieving Career Clarity ft. Tracy Timm – PB130

As a lover of deep conversations and personal connections, Tracy Timm created her own company to help people find or create work that takes advantage of their own unique genius, rather than settling for a job and a life they dread. Her goal is to get you back to the...
This Couple Paid Off $78,000 in Less than Three Years

This Couple Paid Off $78,000 in Less than Three Years

Fo Alexander is the Personal Finance Coach and Business Systems Strategist behind the Girl Talk with Fo podcast and blog. She specializes in teaching millennial women how to dump debt and build bank. As part of her journey, she and her husband paid off $78,000 in debt...
The Millionaire Choice ft. Tony Bradshaw  – PB129

The Millionaire Choice ft. Tony Bradshaw – PB129

Tony Bradshaw, the author of The Millionaire Choice (themillionairechoice.com), is on the show today. He’s talking to the good people of Paychecks and Balances about how to break out of the cycle of poor money habits and patterns that a lot of us learned growing up....
Thank You, Robert F. Smith? Until Debt Do Us Part – PB128

Thank You, Robert F. Smith? Until Debt Do Us Part – PB128

Rich and Marcus kick off the episode discussing the importance of mental health and breaking out of patterns that you continuously find yourself in, even if that requires breaking the pattern of not seeking professional help first. Then they leap into the topic of the...
Personal Finance Spotlight: The Godmother of Financial Coaching

Personal Finance Spotlight: The Godmother of Financial Coaching

Saundra Davis, MS, APFC® Saundra Davis is the self-described Godmother of Financial Coaching, and I believe it. When we met for the second time–at FinCon Expo: Where Money and Media Meet–Saundra dropped a quote on me so powerfully insightful that I had to...
We Got TAXED This Tax Season, Here’s What We Learned – PB125

We Got TAXED This Tax Season, Here’s What We Learned – PB125

Tax season officially ended and many people who thought they were going to get a refund actually owed. This was the case for Rich, who ended up owing a good chunk of change this year. This was the first time he’s ever had to pay the IRS. Marcus, on the other hand, got...
Self-Made Millionaire Blogger Credits Three Key Steps

Self-Made Millionaire Blogger Credits Three Key Steps

This page may contain affiliate links. Please read our Advertiser Disclosure for more info. Pictured: Michelle Schroeder-Gardner Related: I Made My First Million, and I’m Still Broke We’re all busy people. Maybe you’re one of those people who came here to make money,...
I Made My First Million, and I’m Still Broke

I Made My First Million, and I’m Still Broke

According to the most recent Census data, the average person earns nearly $2.7 million over his or her lifetime. Yet, after 40+ years of work most Americans are still financially unprepared for retirement. Unless it’s by choice, I don’t want to work until...
Broke Millennial Takes on Investing ft. Erin Lowry – PB122

Broke Millennial Takes on Investing ft. Erin Lowry – PB122

Erin Lowry, the author of Broke Millennial: Stop Scraping By and Get Your Financial Life Together, is a Personal Finance Expert who helps millennials navigate their big money questions and teaches them how to control their finances like a boss. Her first book was...
How to Negotiate Salary: The 7 Best Tools

How to Negotiate Salary: The 7 Best Tools

For all the get rich quick schemes and talk of Finance Independence / Retire Early (FIRE), most individuals will make the most consistent income from simply working their same old boring J-O-B. It is your responsibility to know how much salary you should ask for and...
Cash Rules Everything Around Me – PB118

Cash Rules Everything Around Me – PB118

In Part 2 (Part 1: Recovering from a Series of Unfortunate Financial Events – PB116) of our Financial Ls sagas, Rich shares the trials and tribulation learned from losing his wallet and all the unattended consequences that resulted. Rich was recently on vacation in an...
The Student Loan Doctor Has Helped Thousands Save Millions

The Student Loan Doctor Has Helped Thousands Save Millions

We met Sonia Lewis, aka The Student Loan Doctor, in sunny Florida while attending FinCon18. For someone with 38,000 followers (and counting) on the Gram and a resume including accolades from the Steve Harvey Morning Show, The Shade Room, BET, The Ricky Smiley Show and...
Keeping Up with Mrs. Jones ft. Phylecia Jones – PB117

Keeping Up with Mrs. Jones ft. Phylecia Jones – PB117

Phylecia Jones is a Budgetolgoist, speaker, and money nerd who is on a mission to change lives one budget at a time. She is a former Computer Scientist and Systems Engineer with the US Navy who retired at the age of 36 to start talking about math, numbers, and money...
Escape from Fyre Festival Island ft. Kelly Hultgren – PB115

Escape from Fyre Festival Island ft. Kelly Hultgren – PB115

Unless you’ve been living under a rock or off social media you have heard about Fyre Festival by now. #SpoilerAlerts – The Fyre Festival was a failed “luxury” music festival scheduled to take place April 28-30 and May 5-7 2017 on the Bahamian island of Great...
The Richest Man in Babylon by George Samuel Clason

The Richest Man in Babylon by George Samuel Clason

We’re reading 15 of the best Personal Finance books so you don’t have to or join our weekly newsletter for career advice, debt free planning, interesting articles and receive our free 15 Minute Money Plan: 15 Minutes Can Change the Next 15 Years. Our prosperity as a...
Get Financially Organized with Steven M. Hughes – PB113

Get Financially Organized with Steven M. Hughes – PB113

College is a time when young men and women are faced with real money management for the first time in their adult lives. They’re trying to pay rent, pay bills, buy books and have some fun along the way. Debt can pile up quick. This was the case for Steven Hughes, the...
Make a Successful Career Change with These Five Steps

Make a Successful Career Change with These Five Steps

The next industry Millennials “destroy” is ourselves and the burnout will be televised. According to an annual Deloitte Survey, almost half of Millennials are unhappy at their current job and plan to quit/switch to nontraditional work within their career....
I’d Rather Just Make More Money – PB112

I’d Rather Just Make More Money – PB112

Today’s episode is all about fresh starts. We’re a week into the New Year and the guys are shifting their energy to focus on new personal, career and podcast goals. These aren’t New Years Resolutions, they’re intentions. In this episode Rich and Marcus recap 2018 and...
Turn Your Paychecks Into Long-Term Wealth with These 4 Changes

Turn Your Paychecks Into Long-Term Wealth with These 4 Changes

I joined Pure Financial’s Your Money, Your Wealth with Alan Clopine, CPA, AIF and Andi Last, Media Manager, to discuss 4 Simple Ways to Keep Your New Year’s Resolutions using strategies that helped me break down my financial goals into manageable pieces as I achieved...
Our Top 10 Money and Investment Podcasts and Posts – 2018

Our Top 10 Money and Investment Podcasts and Posts – 2018

Our goal at Paychecks and Balances is to help Millennials make money, save money, and get out of debt. We had another great year including several interviews with informative guests and subject matter experts in personal finance, investing, and money management and...
The Best African American Financial Literacy Podcasts and Blogs

The Best African American Financial Literacy Podcasts and Blogs

This page may contain affiliate links. Please read our Advertiser Disclosure for more info. At Paychecks & Balances, we help Millennials make money, save money, get out of debt, and build wealth. These are some of the best money voices from our network. Personal...
Get Paid to Save with EARN ft. Leigh Phillips – PB110

Get Paid to Save with EARN ft. Leigh Phillips – PB110

Leigh Phillips joins us on the podcast. She is from EARN.org. EARN is a national, award-winning nonprofit. They work at the intersection of financial technology and economic inclusion to empower low-income Americans to take charge of their financial lives. In this...
Following These 7 Tips Increased My Salary Over 400%

Following These 7 Tips Increased My Salary Over 400%

In my behind-the-scenes interview with YahooFinance: 4 Tips to Increase Your Salary – thank you to the CBS News Pannel and former guest Jeanie Anh (PB81: Don’t Leave Money on the Table ft. Jeanie Ahn) – I was asked to share seven tips that helped...
How to Negotiate Anything ft. Kwame Christian – PB106

How to Negotiate Anything ft. Kwame Christian – PB106

Kwame Christian re-joins Rich on the podcast (PB21: The Negotiator ft. Kwame Christian). Kwame was one of the first guests that appeared on Paychecks & Balances. Kwame is a business lawyer by trade and the Director of The American Negotiation Institute. His...
Paychecks & Financial Planning ft. Barbara Ginty, CFP – PB98

Paychecks & Financial Planning ft. Barbara Ginty, CFP – PB98

On this week’s show, we’re joined by Barbara Ginty for a sneak peek into our upcoming “Ask a Financial Planner” series. Barbara is another infamous YahooFinance alumni that we had the pleasure of welcoming onto the show. Barbara started her career on...
Money Mistakes to Avoid in Your 20s, 30s, and 40s – PB96

Money Mistakes to Avoid in Your 20s, 30s, and 40s – PB96

Don’t forget to check out Part 1 of our discussion, What We Wish We Knew About Money in Our 20s Rich and Marcus kick off the show continuing to build on last week’s episode. Marcus is recapping the financial books he’s read thus far in 2018. It’s important to...
What We Wish We Knew About Money in Our 20s – PB95

What We Wish We Knew About Money in Our 20s – PB95

On the show, today Rich and Marcus discuss millennial money advice learned from the 15 personal finance books Marcus set out to read in 2018. So far Marcus has read 10 of them. The guys share the lessons learned from these books and give you recommendations on which...

Spend Responsibly on Needs and Budget for Wants – PB94

Marcus kicks off the show recapping a recent trip he took to NYC, for a Yahoo Finance interview. On his way to the hotel, he get’s convinced to hop in a sketchy Uber-like service and is hit with a huge bill at the end of his ride. If you have a similar tale of Uber in...
Living Paycheck to Paycheck On $500,000 a Year (Pon Da Replay)

Living Paycheck to Paycheck On $500,000 a Year (Pon Da Replay)

We re-re-visit our fastest downloaded episode ever, PB47: Barely Making It on $500,000! The Financial Samurai joins us for this episode to discuss his popular blog post about a couple struggling in a big city on yes, $500,000. The Financial Samurai (Sam Dogen) got his...
The Art of Winning – PB92

The Art of Winning – PB92

It’s 6-months into the year. Do you know where your finances are? Well, we declared our positive affirmations and #FinGoals for 2018 on PB80: It’s Never Too Late to Get Started. For your benefit and ours, we’re going back to the future with a much needed...
Your Money or Your Life by Vicki Robin

Your Money or Your Life by Vicki Robin

We’re reading 15 of the best Personal Finance books so you don’t have to. Join our weekly newsletter for more free career advice, tips for debt free planning, interesting articles and news and to receive our 15 Minute Money Plan. Author: Vicki Robin | Publisher:...
CBSN: Eye on Money ft. Paychecks and Balances (Video)

CBSN: Eye on Money ft. Paychecks and Balances (Video)

Marcus joins CBS News host Tanya Rivero to discuss his book, Debt Free or Die Trying, and how to rebuild your credit for CBSN ‘Eye on Money’ series. Check out the video below or click here. References Mentioned by Marcus on This Show 4-Step Plan for...
It’s Time to Raise That Credit Score!

It’s Time to Raise That Credit Score!

This week we’re back with a replay of one of our favorite episodes! Liz Weston shares the truth about credit. Liz is a Columnist and Certified Financial Planner (CFP) whose goal is to help us get smarter about money. She’s the author of five books including the...
The Three Levels to Financial Freedom – PB90

The Three Levels to Financial Freedom – PB90

There’s levels to adulting and someone lost the instruction book, but we got you! This week Rich and I talk about the steps we followed in pursuit of financial independence. You’ll hear how even simple changes in your day-to-day routine can lead to huge...
How to Make a Career Change ft. Jeff Johnson – PB89

How to Make a Career Change ft. Jeff Johnson – PB89

  Jeff Johnson has been seen covering red carpets and press junkets for various outlets including NBC News and The YBF. Jeff also hosts the “NonStopCulture Show.” A podcast and YouTube show discussing the latest in pop culture and digital media. He is also an...
Investing Made Easy ft. Tela Holcomb – PB88

Investing Made Easy ft. Tela Holcomb – PB88

This page may contain affiliate links. Please read our Advertiser Disclosure for more info. In our final week of Financial Literacy Month, Tela Holcomb joins us to discuss the stock market in plain English (Yes, we asked her about Bitcoin!). View Tela Holcomb’s...
PB87: Your Money Mindset Matters ft. J.D. Roth

PB87: Your Money Mindset Matters ft. J.D. Roth

Our National Financial Literacy Month guest interviews continue! This week we welcome back former P&B guest J.D. Roth (ICYMI – PB34: Become a Money Boss ft. J.D. Roth). J.D. is a recognized personal finance expert who has written for Forbes and recently returned...
I Will Teach You To Be Rich by Ramit Sethi

I Will Teach You To Be Rich by Ramit Sethi

We’re reading 15 of the best Personal Finance books so you don’t have to. You can also join our weekly newsletter for free career advice, debt free and money management tips or check out our personal finance tools page powered by NerdWallet. Key Takeaway A...
PB86: Banish the Balance ft. Tonya Rapley

PB86: Banish the Balance ft. Tonya Rapley

Continuing our guest interviews for National Financial Literacy Month April 2018, we welcome back Tonya Rapley (ICYMI – PB29: My Fab Finance ft. Tonya Rapley). Since the last time she was on our show, Mrs. Rapley has secured several bags. For the newly...
PB85: Afford Anything ft. Paula Pant

PB85: Afford Anything ft. Paula Pant

Kicking off National Financial Literacy Month 2018 right, we’re joined by Paula Pant of the Afford Anything website and podcast. When Paula graduated from college she did what society expected: she got a regular schmegular job. But, like many of us, she soon...
The Automatic Millionaire by David Bach

The Automatic Millionaire by David Bach

We’re reading 15 of the best Personal Finance books so you don’t have to. You can also join our weekly newsletter for free career advice, debt free and money management tips or check out our personal finance tools page powered by NerdWallet. Author: David...
PB84: Automate Your Way to Saving 1x Your Income

PB84: Automate Your Way to Saving 1x Your Income

On this week’s P&B Money Minute we discuss how to save 1x your income by age 30 and 3x by age 40 using a few automated tools we recommend. Marcus reveals why he finally logged back into his retirement accounts after a 12-month hiatus and the three step...
PB83: Stay Ready

PB83: Stay Ready

Rich brings back the This Week in Work segment, covering the importance of staying ready in life and at work. Our discussion covers: What to do when your company is downsizing or you might be facing a potential layoff Why you may want to consider having TWO...
PB82: Financial Independence ft The Early Retirement Dude

PB82: Financial Independence ft The Early Retirement Dude

This week we welcome, The Dude. No, not The Big Lebowski but of equal reverence, The Early Retirement Dude. ER Dude shares the secrets behind how he retired 12-years ago at the age of 36 and never looked back. Mastering financial independence isn’t easy, but...
PB81: Don’t Leave Money on the Table ft. Jeanie Ahn

PB81: Don’t Leave Money on the Table ft. Jeanie Ahn

This week we’re joined by Jeanie Ahn of @YahooFinance. Some of you will remember Jeanie from our feature on CBS New’s “Your Money Matters” panel. Jeanie is a reporter & senior producer who specializes in making personal finance and career guidance fun...
PB80: It’s Never Too Late to Get Started

PB80: It’s Never Too Late to Get Started

A goal without a plan will remain a dream without a reality. On this week’s show, we talk about the importance of clearly defining your goals and the small differences that define why some people succeed while others procrastinate. Using a variety of practices,...
Rich Dad Poor Dad by Robert T. Kiyosaki

Rich Dad Poor Dad by Robert T. Kiyosaki

We have a “10 pages a day” challenge you can learn more about here: If You Have 10 Minutes, You Can Read a Book a Month. There you will find the full list of all the personal finance and professional development books we recommend. You can also join our weekly...
PB78: Her Money Matters with Jen Hemphill

PB78: Her Money Matters with Jen Hemphill

Now that you’re recovering from the holidays and financial binging, we’ve got just the spend-over relief you need with our first episode of 2018. We’re joined by Jen Hemphill of the Her Money Matters podcast. Jen is a military spouse & bilingual...
The Millionaire Next Door by Thomas J. Stanley

The Millionaire Next Door by Thomas J. Stanley

We have a “10 pages a day” challenge you can learn more about here: If You Have 10 Minutes, You Can Read a Book a Month. There you will find the full list of all the personal finance and professional development books we recommend. You can also join our weekly...
PB76: 5 Tips to Get Your Work & Money Up in 2018

PB76: 5 Tips to Get Your Work & Money Up in 2018

This Week in Work segment returns! This is the segment of PB where we help you crack the professional code and discuss stories and topics relevant to the workplace. This week we’re talking about five things you can do in 2018 to get both your work and money up. We...
PB75: Paychecks on a Plane ft. Brian Fontenot of Driftr Travels

PB75: Paychecks on a Plane ft. Brian Fontenot of Driftr Travels

This week we’re joined by Brian L. Fontenot. Brian is a well-known tech entrepreneur in the Austin, Texas area. He is also a philanthropist,  public speaker, world traveler, and illustrious member of the AΦA organization. We were happy to have Brian on the show...
Review: Good to Great by Jim Collins

Review: Good to Great by Jim Collins

We have a “10 pages a day” challenge you can read more about here: If You Have 10 Minutes, You Can Read a Book a Month. There you will also find the full list of all the personal finance and professional development books we’re reading or join our newsletter for our...
CBSN: Making Your Money Matter ft. Paychecks and Balances (Video)

CBSN: Making Your Money Matter ft. Paychecks and Balances (Video)

We were invited by CBS News on their 24-7 streaming video news channel CBSN at cbsnews.com/live to join a panel of experts discussing student loans, credit cards, debt management, retirement and more. Hosted by Vladimir Duthiers (@vladduthierscbs), the panel included...
Review: Dollars and Sense by Dan Ariely and Jeff Kreisler

Review: Dollars and Sense by Dan Ariely and Jeff Kreisler

We have a “10 pages a day” challenge you can read more about here: If You Have 10 Minutes, You Can Read a Book a Month. There you will also find the full list of all the personal finance and professional development books we’re reading or join our newsletter for our...
PB72: The 9-to-5 Training Ground ft. Lynnette Khalfani-Cox

PB72: The 9-to-5 Training Ground ft. Lynnette Khalfani-Cox

We’re joined this week by guest Lynnette Khalfani-Cox aka “The Money Coach.” Lynette is a personal finance expert, television and radio personality, and the author of numerous books, including the New York Times bestseller Zero Debt: The Ultimate...
The First Time I Fell In Love with Debt: Part 2 (Video)

The First Time I Fell In Love with Debt: Part 2 (Video)

On August 14, 2016, I released Debt Free or Die Trying: How I Buried Myself in Over $30,000 in Debt and Dug My Way Out by Age 30. The book tells the good, the bad, the ups and the downs, the mistakes I and others made, and the lessons I and we learned....
PB71: Financial Residency ft. Ryan Inman

PB71: Financial Residency ft. Ryan Inman

This week we’re joined by Ryan Inman of Physicianwealthservices.com and the Financial Residency podcast. Ryan got even more passionate about the field of personal finance when his wife was in residency and she began to pass along information that she received...
PB70: Make Money Moves

PB70: Make Money Moves

Staying employed at the same company for over two years, on average, can make you earn 50% less over the life of your career according to a recent Forbes analysis. On this week’s show, Rich and I discuss the pros and cons of maximizing your money moves and...
Should I Buy My First Home or Save More Money?

Should I Buy My First Home or Save More Money?

The following question has been edited into a Q&A format and some details may have been changed to keep our listeners’ information anonymous. Let us know what you think in the comments below, or if you have your own question, use the ASK P&B button!...
PB69: Seek Wisdom and Find Wealth with Patrice Washington

PB69: Seek Wisdom and Find Wealth with Patrice Washington

Patrice Washington is most well known as the personal finance voice of the top-rated and nationally syndicated Steve Harvey Morning Radio Show where she hosts her own weekly segment, Real Money Answers with Patrice Washington. She is also the best-selling author of...
PB68: Don’t Cost Yourself $600K!

PB68: Don’t Cost Yourself $600K!

  There are two truths we all hold self-evident in our careers: 1) it’s always Happy Hour somewhere or 2) performance review season. With these facts of career life in mind, the best time to start your self-evaluation was yesterday and the next best time is...
The Dos and Donts of Money: Review

The Dos and Donts of Money: Review

We have a “10 pages a day” challenge you can join here: If You Have 10 Minutes, You Can Read a Book a Month. You can see a full list of all the personal finance and professional development books we’re reading by clicking here or join our newsletter...
Should I buy my leased vehicle when the term ends?

Should I buy my leased vehicle when the term ends?

The following question has been edited into a Q&A format. Some details have been changed to keep the listener’s information anonymous. Let us know what you think in the comments below, or if you have a question that needs answering, click the ASK P&B button!...
PB65: The Billionaire Mindset with Tyrone Jackson

PB65: The Billionaire Mindset with Tyrone Jackson

Join us for another LIVE recording session from Podcast Movement 2017 at the FinCon booth with Tyrone Jackson, The Wealthy Investor. Tyrone details the story of how he went from a single parent household that struggled with finances growing up to become a trusted...
I’m Struggling to Pay Bills and Fix My Credit Score of 460

I’m Struggling to Pay Bills and Fix My Credit Score of 460

The following question has been edited into a Q&A format and some details may have been changed to keep our listener’s information anonymous. Share your support or feedback in the comments. If you have your own question, use the ASK P&B button! This...
PB64: Taking the Stage & Telling Your Story

PB64: Taking the Stage & Telling Your Story

Thank God for granting us this moment of clarity, this moment of honesty, but today the world will feel our truth! We took a little time off for #selfcare and personal perspective but we’re back with more greatness with a LIVE recording from Podcast Movement...
PB63: Am I Overqualified and How Do I Fix This?

PB63: Am I Overqualified and How Do I Fix This?

We turned this week’s listener question into a minisode! Let us know what you think in the comments below, or if you have your own question, use the ASK P&B button. Justin left a voicemail to ask “when do you know if you’re overqualified”...
PB62: Financial Tidbits ft. Donna Freedman

PB62: Financial Tidbits ft. Donna Freedman

You may remember Donna from our previous episode PB31: Save Where You Can ft. Donna Freedman. Donna’s back with a new book, Your Playbook For Tough Times Vol. 2, some great personal finance advice and much more! For those of you who are new here, Donna has been...
Do Credit Repair Companies Actually Work?

Do Credit Repair Companies Actually Work?

The following question has been edited into a Q&A format and some details may have been changed to keep our listeners’ information anonymous. Let us know what you think in the comments below, or if you have your own question, use the ASK P&B button! Hey...
PB61: Let’s Talk About Money ft. Damon Young of VSB (Part 2)

PB61: Let’s Talk About Money ft. Damon Young of VSB (Part 2)

We’re back with the podcast you need: Part 2 with Damon Young of Very Smart Brothas (VSB). If you haven’t already, don’t forget to listen to Part 1: PB60: “Overnight Success” ft. Damon Young of Very Smart Brothas. This episode is equally colorful but...
When is it better to buy or lease my car?

When is it better to buy or lease my car?

The following question has been edited into a Q&A format and some details have been changed to keep the listener’s information anonymous. Let us know what you think in the comments below, or if you have a question that needs answering, click the ASK P&B...
PB59: Kids Cost What?!

PB59: Kids Cost What?!

The Money Minute A @PayBalances follower asks, “how would you change your budget if you had children?” We found that as of 2017, it costs up to $233,610 to raise a child from ages 0 to 17! We discuss how we would proactively adjust our personal finances...
Should I Take a Job Opportunity Where Nobody Knows My Name?

Should I Take a Job Opportunity Where Nobody Knows My Name?

The following question has been edited into a Q&A format and some details may have been changed to keep our listeners’ information anonymous. Let us know what you think in the comments below, or if you have your own question, use the ASK P&B button!...
PB58: Wait ‘Til I Get My Money Right

PB58: Wait ‘Til I Get My Money Right

  A new Money Minute inspired listener question and our drive to get our and your money right so we can stunt — responsibly and within our budgets, of course — on the haters! A This Week in Work update finds Rich delving even further into the seedy...
PB56: The Truth About Credit ft. Liz Weston

PB56: The Truth About Credit ft. Liz Weston

This week we’re joined by Liz Weston to discuss the truth about credit. Liz is a Columnist and Certified Financial Planner (CFP) whose goal is to help us get smarter about money. She’s the author of five books including the best-selling “Your Credit Score:...
PB55: My Co-Workers Are Dating And It Sucks!

PB55: My Co-Workers Are Dating And It Sucks!

Have a career advice or debt free question? Click the ASKPB button! This week’s question was so good we couldn’t help but dedicate a full show to our response. Apparently, the DMs aren’t the only place it goes down. A few snippets: I always thought they...
PB54: A Thousand Debits + Getting Promoted

PB54: A Thousand Debits + Getting Promoted

While some folks are of the opinion that Millennial’s affinity for avocados is the only thing keeping us from owning homes, we here at Paychecks & Balances offer opinions you can actually use. Opinions based on math and common sense when common sense is as...
I Have a Budget But How Do I Stop Impulse Shopping?

I Have a Budget But How Do I Stop Impulse Shopping?

The following question has been edited into a Q&A format and some details have been changed to keep the listener’s information anonymous. Let us know what you think in the comments below, or if you have a question that needs answering, click the ASK P&B...
PB53: Broke Millennial ft. Erin Lowry

PB53: Broke Millennial ft. Erin Lowry

Ready to get your financial life together (#GYFLT)? Erin Lowry, creator of BrokeMillennial.com and author of Broke Millennial: Stop Scraping By and Get Your Financial Life Together is here to help! Broke Millennial, the book, is a step-by-step guide on how to go from...
How Can I Start Living a Healthier Financial Life?

How Can I Start Living a Healthier Financial Life?

The following question has been edited into a Q&A format and some details have been changed to keep the listener’s information anonymous. Let us know what you think in the comments below, or if you have a question that needs answering, click the ASK...
PB52: I Ain’t Too Proud to Budget (The 50/30/20 Edition)

PB52: I Ain’t Too Proud to Budget (The 50/30/20 Edition)

While the Fyre Festival proves you can’t buy common sense, but you can put a price on ignorance, Rich and Marcus use this week in viral events to try to figure out how a few Instagram models and an admittedly well-produced marketing video scammed hundreds of...
PB51: $500K Revisited ft. Financial Samurai

PB51: $500K Revisited ft. Financial Samurai

  Time to re-up and recycle the flow. What does that even mean? Well, this week we re-visit our fastest downloaded podcast ever, PB47: Barely Making It on $500K! As an added bonus, we feature half-man, half-legend and guest, the Financial Samurai himself! Financial...
Should I Save for Retirement or Pay Off My Credit Cards First?

Should I Save for Retirement or Pay Off My Credit Cards First?

We received a great listener question we thought many of our listeners and readers could relate to: should I use my retirement savings to pay off my credit cards? The following question has been edited into a Q&A format and some details have been changed to keep...
PB49: Back to Budgeting Basics + The Backdoor Reference

PB49: Back to Budgeting Basics + The Backdoor Reference

We get back to basics on this week’s Money Minute with simple tips you can use to create a budget you’ll actually stick to. Yes, we here at PB already admitted that budgeting sucks, but is it a necessary evil we just have to follow? Some would argue no,...
PB48: Renting vs. Buying with Kirk Chisholm

PB48: Renting vs. Buying with Kirk Chisholm

The rent is too damn high! But, what happens when the mortgage is too high, also? Among many other quarter-to-midlife items on the must have crisis checklist, the “you need to buy a home” struggle is real. Whether we like it or not, many of us still see...
PB47: Barely Making It on $500K?!

PB47: Barely Making It on $500K?!

  Is it possible to live paycheck-to-paycheck on $500,000? This 30-year old couple thinks so. Join us this week as we review the budget read around the world and try to figure out how a couple making $500,000 before taxes can only have $7,300 in annual take-home...
PB46: Magnify Your Money ft. Mandi Woodruff

PB46: Magnify Your Money ft. Mandi Woodruff

Back to the finances! Ok, I originally thought this was a clever reference, but I realized while typing it that Back to the Future came out in 1985. While we reflect on our lives as older Millennials, you can enjoy another great guest episode featuring Mandi Woodruff!...
PB44: Are We That Entitled?

PB44: Are We That Entitled?

We go to college to get our “dream jobs,” then we are unable to pursue our dreams because we need the income from the job to pay off the debt incurred from going to college. What a time to be alive! “Simon Sinek (age 43) spoke to The Independent about how...
PB43: How Much Will It Take?

PB43: How Much Will It Take?

“Days go slow. Years go fast.” – Marcus realizes in this week’s Money Minute and This Week in Work hybrid. Rich and Marcus realize that “life comes at you fast” is more than a catchy insurance commercial quote. On this episode, we...
PB42: The Millennial-Boomer Divide ft. Marc Miller

PB42: The Millennial-Boomer Divide ft. Marc Miller

This week’s guest is Marc Miller. Marc runs the website CareerPivot.com and blog. His career included 22 years at IBM, thriving tech startups, and a stint as a high school math teacher. After thirty years of wandering the proverbial career desert, Marc learned...
PB41: Know Your Role + The Internal Crisis

PB41: Know Your Role + The Internal Crisis

In this week’s Money Minute, Marcus shares a helpful tool that he has used over the years to research career fields and options from the Bureau of Labor Statistics. Thinking of making a job change? Not sure what other professions are related to your current...
PB40: Think Like a Recruiter (LinkedIn Edition)

PB40: Think Like a Recruiter (LinkedIn Edition)

Are you on LinkedIn? Are you using it right? Well, this week Rich leads a discussion on pro tips and life hacks to make sure you’re maximizing your LinkedIn profile. Our discussion covers the following ways to improve your LinkedIn: How to make your LinkedIn...
PB39: Adaptable Adulting ft. Donovan Frost

PB39: Adaptable Adulting ft. Donovan Frost

We thought we’d give you a break from the old country for old men podcast with a guest feature with Donovan Frost, whom we had the pleasure of meeting at FinCon16. Donovan is a 25 year old Millennial and the one-man voice behind TheAdaptableAdult.com. Marcus...

PB38: Just the Tip

Rich and Marcus return this week with a Money Minute tip and This Week in Work. This is a classic Paychecks and Balances episode. Help us, help you make your money great again! On this show we discuss: Budgeting Sucks: Here’s how “just the tip” or...
PB37: His & Her Money ft. Tai & Talaat McNeely

PB37: His & Her Money ft. Tai & Talaat McNeely

  We welcome in 2017 with the awesome couple behind HisAndHerMoney.com, Tai and Talaat McNeely. His and Her Money is a journey of how two high school sweethearts fell in love, got married, but were total opposites when it came to handling their finances. Between being...
3 Tricks to Make Budgeting Suck Less

3 Tricks to Make Budgeting Suck Less

It’s been a while since I said this so I’ll repeat myself: Sticking to a budget sucks. There, I said it. I have a budget. I even spent a lot of time developing my budget like the helicopter parent of a small child, or “fur baby” if you’re a...
PB36: Wrapping Up 2016 + Survey Results

PB36: Wrapping Up 2016 + Survey Results

Tis the season for Paychecks & Balances annual wrap-up! This has been an awesome year for us but it’s all thanks to you! In 2016, we had our highest downloads, were recognized in the Black Voices in Business category of iTunes, attended FinCon2016 and in...
PB35: The Money Speakeasy ft. Wilson Muscadin

PB35: The Money Speakeasy ft. Wilson Muscadin

“It was all a dream. We used to read Word Up! Magazine…” Technically, none of that applies here since we actually met Wilson at FinCon2016, but it was a dream! After a great master mind conversation with Wilson and other like-minded individuals on...
PB34: Become a Money Boss ft. J.D. Roth

PB34: Become a Money Boss ft. J.D. Roth

This week we’re humbled and happy to be joined by J.D. Roth, formerly of Get Rich Slowly, and now the mastermind behind MoneyBoss! JD is a true renaissance man — a description I didn’t quite make up but I feel doesn’t get used enough so here we...
PB33: Millennial Work & Money ft. LaTisha Styles

PB33: Millennial Work & Money ft. LaTisha Styles

We’re joined by Latisha Styles of LatishaStyles.com and YoungFinances.com. Latisha specializes in helping Millennial entrepreneurs focus their goals so they can maximize their returns. Latisha doesn’t just talk-the-talk, she walks the walk by relying on...
PB32: Cutting Cable to Save Money ft. Dennis Restauro

PB32: Cutting Cable to Save Money ft. Dennis Restauro

On this week’s show, we chat with Dennis Restauro, the man behind GroundedReason.com and the Grounded Reason podcast, about cord-cutting aka cutting cable to save money. We explore cable alternatives along with other internet-related things, including sketchy...
PB31: Save Where You Can ft. Donna Freedman

PB31: Save Where You Can ft. Donna Freedman

Donna Freedman’s motto: “I save where I can so I can spend where I want.” This week she teaches us how she does it. Donna is the author of Your Playbook For Tough Times: Living Large On Small Change, For The Short Term Or The Long Haul and she has over 20 years...
PB30: Surrender Or Triumph ft. Kofi Ofori-Ansah

PB30: Surrender Or Triumph ft. Kofi Ofori-Ansah

We’re trying something new this week folks: Paychecks & Body. When you’re caught up in the day-to-day, week-to-week, and year-to-year hustle, it’s real easy to forget about maintaining your mind, body, and spirit. That’s why on this week...
PB29: My Fab Finance ft. Tonya Rapley

PB29: My Fab Finance ft. Tonya Rapley

We’re back at it with a new episode! This week we’re joined by Tonya Rapley. Tonya runs My Fab Finance, a website dedicated to helping readers and listeners like you break the cycle of living paycheck to paycheck so that you can live free and do more of...
PB28: Small Business Finance ft. Sylvia Inks

PB28: Small Business Finance ft. Sylvia Inks

This week we’re joined by Personal Finance Coach and author of Small Business Finance for the Busy Entrepreneur, Sylvia Inks! Sylvia is an experienced business consultant that worked for one of the largest professional services firms in the world before turning...
PB25: PhD, Work and Money Degree (Listener Spotlight)

PB25: PhD, Work and Money Degree (Listener Spotlight)

We’re joined by Doctor Katisha, an all-around dope Paychecks & Balances listener. She emailed us in response to PB18, the Cash Only episode. Turns out she has a pretty robust bank account system that we thought would help our listeners go beyond the 15 minute...

QA12: Should I Stay?

After the initial excitement of a new job opportunity wears off, a listener begins to wonder if this move was the right move after she is confronted with an unfortunate reality check underneath the surface. It turns out things are a little bit different behind the...
PB23: Mo Money, Mo Work

PB23: Mo Money, Mo Work

Marcus has an epiphany: “You can spend less money than you make or make more money than you spend.” What does that even mean?!!? Well, in the game of Paychecks & Balances you can work harder or you can work smarter. In this week’s Money Minute...
PB22: Debt Free Or Die Trying

PB22: Debt Free Or Die Trying

It’s hard to believe it. Marcus’ book — yes, the one he has been talking about for over 3 years — is finally available in stores in paperback and as an eBook. Visit paychecksandbalances.com/DebtFree to buy the book and learn more helpful tips...
QA11: I Want to Fix My Debt by My Birthday

QA11: I Want to Fix My Debt by My Birthday

We received two great debt-related questions this week. A listener recommends the “snowball” treatment, and another listener ask please help “fix my debt.” We’re always happy to answer the questions, you ask and we research! Excuse the...
QA10: Should I Ask for 30% More During Negotiation?

QA10: Should I Ask for 30% More During Negotiation?

All cost of living aint equal. Don’t we know it! This week a listener runs into a familiar problem: It’s a great job opportunity, but it’s not located in my current city of residence. How do I adjust for the cost of living changes? Well, there...
PB20: Lifestyle Inflation + Millennials Winning!

PB20: Lifestyle Inflation + Millennials Winning!

THE REVOLUTION WILL NOT BE TELEVISED! WIM was finally released from protective custody this week, and in a double secret probation reveal, he is un-trapped from the closet as he discusses his upcoming book and his government name, and that’s just the first five...
QA9: Should I Leave My Job?

QA9: Should I Leave My Job?

It’s the question you hate to ask but may inevitably face: When Should I Leave My Job? This week, a listener wonder just that when a promising opportunity arises even though they weren’t even looking to leave their current job. I’ve currently been...
PB19: Make Yourself Indispensable

PB19: Make Yourself Indispensable

Optimist, Skeptics, and Cynics: which one are you? Fancy yourself a “Realist”? We discuss the three types and why it’s ok to occupy two of these groups, but not the third. This week’s motivational quote? “People who say it cannot be done should...
PB18: Cash Only

PB18: Cash Only

CASH ONLY! Are you living a cash only lifestyle? With help from MoneyQandA.com we discuss the pros and cons of leaving credit behind for the almighty dollar, dollar bill, yall. It’s not easy, but it can be done. But, is the cash only life for you? We talk about...
PB17: Gift Card Redemption + Unexpected Failure

PB17: Gift Card Redemption + Unexpected Failure

On this week’s Paychecks And Balances ‘Money Minute’ we discover some easy ways to find money that’s literally laying around your house. The average American has $100 in unused gift cards. Are you one of them? Pretty sure you’ve spent all...
QA8: A New Budgeting App and Question

QA8: A New Budgeting App and Question

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. Using free software and a free retirement checklist are obviously a good choice as it requires no...
PB16: Changing Careers Pt.2

PB16: Changing Careers Pt.2

This week we introduce a new segment: “The Money Minute.” On our first Money Minute we introduce NerdWallet’s 2015 AMERICAN HO– USEHOLD CREDIT CARD DEBT STUDY, which uses survey data to measure the average American’s household debt from...
PB15: Podcast Movement, a Money-Saving App, and the 5-Year Plan

PB15: Podcast Movement, a Money-Saving App, and the 5-Year Plan

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...
PB14: Money in Relationships

PB14: Money in Relationships

This week we’re reminded about priorities: life vs. work. Adulting comes at you fast. Are Millennials destined to choose between work and life? Is the “work/life balance” a figment of our generation’s imagination? We try to figure it all out on...
PB12: Changing Careers Pt. 1

PB12: Changing Careers Pt. 1

http://rss.acast.com/paycheck/pb12-careerchangespt.1/media.mp3 This week a listener question leads to a thoughtful response from Rich and WIM on career choices and lessons learned. Thinking of a career change? This episode covers the advice we’ve used or heard...
QA7: Cover Letters & Info Interviews

QA7: Cover Letters & Info Interviews

http://rss.acast.com/paycheck/qa7-coverletters-infointerviews/media.mp3 We answered two listener questions this week. Have a question you’d like us to answer? Contact us! 1. Hey Rich and WIM! I love the show! It has been a wealth of information as I try to...
PB11: Credit Card Tips & Bad Money Habits

PB11: Credit Card Tips & Bad Money Habits

http://rss.acast.com/paycheck/pb11-creditcardtips-badmoneyhabits/media.mp3 This week we discuss why it’s important (and beneficial) to keep your income profile updated on your credit card(s). In the market for a new credit card? We also discuss the pros/cons and...
PB10: The Millennial Crisis

PB10: The Millennial Crisis

http://rss.acast.com/paycheck/pb10-themillennialcrisis/media.mp3 “The Millennials shall inherit the Earth.” – Ancient Internet Proverb In 2015, Millennials passed Baby Boomers as the largest generation. So, what now? Are we too young to start...
PB9: Confidence and Happiness at Work

PB9: Confidence and Happiness at Work

http://traffic.libsyn.com/paychecksandbalances/PB9.mp3 This week we follow-up on a success story from a listener’s following of our advice form PB8: Credit Roulette. On the career management and job front we discuss the following quote: What do you think? Is it...
PB8: Credit Roulette

PB8: Credit Roulette

http://traffic.libsyn.com/paychecksandbalances/PB8.mp3 PAYMENTS? Credit card, PAYMENTS? WE TALKING CREDIT CARDS PAYMENTS??? That’s right friends. We talking credit card payments. This week we also address two listener questions from our Twitter account:...
PB7: Career Moves in Your 20s and 30s

PB7: Career Moves in Your 20s and 30s

http://traffic.libsyn.com/paychecksandbalances/PB7.mp3 On a quick note, Rich discusses the benefits of keeping your credit card information up-to-date (income, address, etc.). However, this week’s main topics? Career moves you can make in your 20s to win in your...
QA5: My Boss is Blatantly Discriminating!

QA5: My Boss is Blatantly Discriminating!

http://traffic.libsyn.com/paychecksandbalances/QA5.mp3 We got some great feedback and some great questions this week! Check them out below. Have a question of your own? You ask the questions. We find the answers. Email us: info@paychecksandbalances.com My boss is...
PB6: How Much Can You Save?

PB6: How Much Can You Save?

http://traffic.libsyn.com/paychecksandbalances/PB6.mp3 A listener comments, “I wish they’d mentioned earning more $$$!” Ask and ye shall receive! We’ve got good news and bad news. You can definitely make more money, but it’ll take a...
PB5: Watch Out for These Interview Questions

PB5: Watch Out for These Interview Questions

http://traffic.libsyn.com/paychecksandbalances/PB5.mp3 This week on Paychecks and Balances we discuss interview questions you should always be prepared to answer when you’re looking to secure that next paycheck. Topics include: how to prepare for an interview;...
QA4: Should I Take This $28K Pay Increase?

QA4: Should I Take This $28K Pay Increase?

http://traffic.libsyn.com/paychecksandbalances/PBQA4.mp3 This week in PaychecksAndBalances Q&A: What’s up fellas, congrats on the new pod. You guys have helped me make some great moves in advancing my career. So thank you for that. I am currently working in...
PB4: Size Doesn’t Matter

PB4: Size Doesn’t Matter

http://traffic.libsyn.com/paychecksandbalances/PB4.mp3 Size doesn’t matter! Well, when it comes to your personal finances anyway. Do you have at least $2,000 in debt or more? Simply adding $10 extra dollars to your minimum payment can save you thousands...
QA3: 65% of Income on Rent?!

QA3: 65% of Income on Rent?!

http://traffic.libsyn.com/paychecksandbalances/PBQA3.mp3 This week, Paychecks & Balances is happy to introduce “Ask a Professional.” We’ve realized that we don’t know everything, but we do know people who know a lot of answers to those...
PB3: Work Habits That Hold You Back Pt. 2

PB3: Work Habits That Hold You Back Pt. 2

http://traffic.libsyn.com/paychecksandbalances/PB3.mp3 Don’t call it a comeback! We’re back this week with Part 2 of Office Habits That Hold You Back. Picking up where we left off last week, we talk about how introverts can overcome the “why are you...
Q&A:  Applying to Multiple Jobs & Office Politics

Q&A: Applying to Multiple Jobs & Office Politics

http://traffic.libsyn.com/paychecksandbalances/QA2.mp3 Welcome to Paychecks & Balances Question and Answer. This week we answer the following: How do you handle a situation where someone that does not report to you isn’t doing their job but it is impacting...
PB2: Work Habits That Hold You Back Pt. 1

PB2: Work Habits That Hold You Back Pt. 1

http://traffic.libsyn.com/paychecksandbalances/PB2.mp3 On this week’s Paycheck & Balances we discuss tips for getting ahead at work and how the simple wording of an email might be holding you back. Do you find yourself apologizing too much for missing...
Q&A: We Talkin’ Work!

Q&A: We Talkin’ Work!

http://traffic.libsyn.com/paychecksandbalances/PBQA.mp3 Welcome to Paychecks & Balances first Question and Answer session. This week we tackle two listener questions: In the middle of a job search (looking for more money & more responsibility) and just found...
PB1: The Paycheck Plateau

PB1: The Paycheck Plateau

http://traffic.libsyn.com/paychecksandbalances/PB1.mp3 Welcome to the first episode of Paychecks & Balances. We know time is money, so we didn’t waste any time tackling our first show topic: “Paycheck Plateaus.” What’s a Paycheck Plateau?...