Why “The American Dream” is actually a nightmare

Why “The American Dream” is actually a nightmare

Not only is the philosophy behind “The American Dream” misleading, but it’s also dangerous. It ignores the economic disparities faced by most Americans due to discriminatory ideologies like racism and sexism. But what is “The American Dream?”  In short, it’s the idea...
Don’t Spend Less to Save More (Do this Instead)

Don’t Spend Less to Save More (Do this Instead)

Your savings aren’t growing, but you can’t afford to increase the percent you contribute each month. The solution is to spend less money in other areas of your life, right?  Wrong.  The notion that we have to subdue our quality of life for financial freedom is...
How I negotiated my rent down and saved over $100/month

How I negotiated my rent down and saved over $100/month

Ever wondered if it’s possible to negotiate your monthly rent down? I’m here to tell you that it is indeed a thing, and it can happen in different ways! Let me tell you my story. A few months ago, I received my lease renewal paperwork. Even with the...
Investing in a Volatile Market ft. Ryan Inman – PB 170

Investing in a Volatile Market ft. Ryan Inman – PB 170

Self-confessed ‘money nerd’ Ryan Inman began his financial practice Physician Wealth Services specifically to help guide young physicians toward financial independence with truly unbiased, quality financial advice. A graduate of the University of San Diego...
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...
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...
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!...
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...
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...
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...
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...
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....
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...
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...
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...
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...