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 share some big things they’ll work on throughout 2019.

Show Highlights:

  • Marcus is (temporarily) back in debt and share why he’s realized that getting out of debt is a marathon not a sprint
  • Debt Cycles – Going in and out of debt can be an on going process
  • Household money management vs. single money management
  • Having goals to hit vs. hitting every goal
  • Defining your “walk away” number for your day job
  • Why using “Digit,” the mobile savings app, can be the difference maker in reaching your savings goals
  • Why being accustom to a certain financial lifestyle isn’t a bad thing if you focus on supporting it
  • Clearly defining your negotiable and non-negotiable money moves
  • Why having a side hustle in this “gig economy” might already be the new normal
  • How to market research the skills you could already be getting paid for on the side
  • Getting comfortable promoting your business/side projects
  • Why moving at your own pace in your career and personal life is more important than rushing to the finish line
  • Key Takeaway: Determine the direction you want to take your career and personal life and be very intentional about your choices and where you put your energy. Take control of your decisions and go in a direction that makes sense for YOU

This Week’s Sponsors

  • Jobscan – Go to and use promo code “paychecks” to get 10% off Jobscan Premium. Jobscan was created to alleviate job seeker’s frustration. Founder, James Hu, found that the powerful portals companies were using for hiring were simply parsing, ranking, and filtering resumes with an algorithm based on keywords. Jobscan was built from scratch to carefully tailor your resume for each application in order to be noticed. Jobscan Premium gives job seekers unlimited resume scans and access to exclusive tools like LinkedIn Optimization, Cover letter optimization, and resume format checks.
  • Blinkist – For a limited time has a special offer just for the P&B audience! Blinkist is made of busy people like you, who want to get the main points without reading the entire book. With an audio feature, Blinkist makes it easy to finish 4 books a day while you are on the go. Visit start your free 7 day trial!

Our Favorite Tools

  • Available exclusively to our email subscribers, see why 15-minutes can change the next 15 years with our free 15 Minute Paychecks & Balances Money Plan: Your Guide to Financial Freedom.
  • Struggling to save money? Sign-up for Digit today at to automate your way to saving hundreds or more!
  • We’ve tried a lot of email subscriber services. ConvertKit is, by far, the easiest and best platform we’ve used.
  • Need to collect money or invoice clients? We love Square.


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