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rich & REGULAR is the podcast for people who want to take charge of their money, pay off their debt, build their wealth, and live their best lives without being obsessed with money. Every week, Kiersten and Julien Saunders show you how money intersects with everything else in your life and teach you how to use it to your advantage. They share their insights and tips on how to make, save, and invest money in creative and unconventional ways. They also help you understand the big changes that ...
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In this conversation, Yvette Sadler Butler, CEO and founder of Hive Wealth, discusses her journey in the financial services industry and how it influenced the creation of Hive Wealth. In it, she shares her vision of making finance more inclusive and accessible to everyone through financial planning powered by AI. The conversation explores the rise …
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If you want to know the secret to stress-free cooking at home this episode is for you! This week, we're exploring the world of kitchen technology that can help you save money, eat healthier, and make cooking at home easier and more enjoyable. We'll discuss our personal experiences with various gadgets, highlighting the benefits for both novice and …
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Ken and Mary Okoroafor based out of the UK and founders of The HumblePenny.com discuss their life and new book Financial Joy. In this conversation, they share their journey of starting their blog and the importance of representation in the personal finance space. They discuss the advantages of raising their children to be investors and the importan…
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This week we’re joined by author and personal finance expert Lynnette Khalfani-Cox to discuss the importance of financial resilience and the strategies for bouncing back from setbacks. Lynnette dives into the core concepts from her book "Bounce Back: “The Ultimate Guide to Financial Resilience and explores the emotional side of financial challenges…
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To get your copy of the FREE Financial Technology Toolkit, click here and we'll send your guide directly to your email address. To learn more, visit the rich & REGULAR blog here Tech literacy isn't a one-and-done skill. It requires continuous learning and adaptation as innovation marches on. And there are very few areas that are being transformed b…
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In this episode, we’re discussing how to manage a windfall, whether it's a sudden influx of money from investments, bonuses, or unexpected events. We share our personal experiences with windfalls and the importance of splurging and treating yourself to experiences. We emphasize the need to resist the urge to act quickly and instead create a wish li…
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In this episode, we respond to an email from a woman who wanted to know when to give up on a trucking business she started with her husband. The conversation covers topics such as faith, confidence, financial planning and finding the right partners, and we provide advice on calculating the cushion needed to support the business, as well as the impo…
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Happy Women's History Month 2024! What does it mean to be a perfectionist? Is it a blessing or a curse? How does it affect your relationship with money, yourself, and others? In this special solo episode, Kiersten chats with Katherine Morgan Schafler, a psychotherapist and coach who helps people overcome perfectionism and live authentically. They t…
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In this episode, we’re talking about how we parent our son Beau and teach him about money. We share our philosophy of raising a rich kid, not by giving him everything he wants, but by teaching him the value of saving and investing from a young age. We also talk about the pressure we feel as parents to provide more for our child, and how we use self…
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In this episode, we talk about the concept of overconfidence in investing, also known as the confidence trap. We explain why confidence is important and how it can either help or hinder us in achieving our goals. We also examine the role of ego in investing and how it affects our self-image as investors and use culinary references and personal stor…
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In this episode, we discuss capsule wardrobes and how this approach can help people save time and money. In it, they explore how men and women differ in their adoption of the tactic. Specifically, men are more likely to call a capsule wardrobe a uniform. They also discuss the high costs associated with maintaining a professional wardrobe and what t…
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This week we're diving deep into the heart of the FIRE (Financial Independence, Retire Early) movement and asking whether it's really a movement...or just a quirky personal finance trend. We explore the intersections of history, finance, work culture, technology, and societal change and discuss what defines a movement, how FIRE has benefited from s…
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What does it mean to be a Costco member in 2024? This week we’re loud budgeting our grocery bill and discussing our recent decision to get a Costco membership. We share our initial impressions of the store, the perks we have enjoyed so far, and a few factors to consider when deciding whether a Costco membership is right for you. Food is a Big 3 exp…
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This week our guest is Jamila Souffrant, host of the Journey to Launch podcast and author of the new book, Your Journey to Financial Freedom. In this conversation, we discuss her journey to financial independence and the lessons she has learned along the way. We talked about how she reached her breaking point and decided to pursue financial indepen…
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In this episode, we’re peeling back the layers of the recent layoff phenomenon, a storm that’s been brewing and hit hardest in 2023. Our take is that it’s not just about job loss; it’s a cultural shift within organizations that leaves a lasting imprint. This episode is here to help you navigate this storm, armed with insights and strategies that im…
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This week, we have a special guest: JL Collins, the Godfather of the Financial Independence movement. He’s here to talk about his new book, ‘Pathfinders’, where he shares the stories of people who have achieved financial freedom in different ways. He shows us that there is no one-size-fits-all formula for success, and that we have to find our own p…
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This episode is about three stories that will change the way you invest, spend, and earn your money in 2024. They aren't predictions, but trends that are already happening and will likely continue. We start by reviewing what happened in 2023 and how it changed our perspective on money. Then we go into the first story, which is how the stock market …
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If paying down debt is one of your 2024 goals, this episode is for you. This week we're telling the story of the greatest gift we've ever given ourselves - debt freedom. We paid off $200,000 in five years, but that's not the whole story or the most interesting part. In this episode, we explore the emotional impact of debt, the different approaches …
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If you want help cutting back on drinking using neuroscience, try the Reframe App for free with a 1-month trial using Julien's referral link. A few years ago, we decided to experiment with drinking less alcohol and participated in Dry January. It was supposed to be a one-time thing but it changed how we think about alcohol. We were surprised by how…
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This week, we're talking about pay transparency, its importance, generational differences, cultural shifts, and the impact on the workforce. The conversation delves into the top-down and bottom-up approaches to pay transparency, the role of social media, and the power struggle surrounding this controversial issue. Takeaways Pay transparency is an i…
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Things are changing! In this episode, we're announcing some news and turning the page on a new chapter of the rich & REGULAR podcast. We love you and hope you'll continue to support us through this transition to this exciting next phase. Onward! Connect with us: Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube. Get o…
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Every holiday season, Americans seem to break a new record for spending - but this year it's different. Whether you're Grinch-adjacent like Julien or grew up more like Kiersten whose Super Bowl was Black Friday, they've got tips to stop holiday overspending for all levels. It's all about shifting where you spend -- making sure each gift packs a pun…
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Don’t miss this week’s episode of Rich & REGULAR as Julien and Kiersten share insights on taking control of your financial story. They stress that you're the ultimate authority in your financial journey, and a money story goes beyond mere numbers—it's about the beliefs shaping your decisions. From investments to spending habits, this narrative infl…
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In this week’s episode of Rich & REGULAR, Julien and Kiersten are tackling the pricey consequences of financial neglect. No sugarcoating here— it can cost you big time. But fear not, they’ve got the playbook to turn things around. The Saunders are dishing out ways to dig yourself out of debt and find solutions. Breaking those bad financial habits? …
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Don’t miss this week’s episode of Rich & REGULAR as Julien and Kiersten delve into essential advice on midlife investing strategies. They offer valuable insights on securing financial stability, emphasizing the significance of safeguarding assets and making strategic decisions. The Saunders discuss the critical aspect of risk tolerance and undersco…
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Are women afraid of financial risk? Tune in this week to Rich & REGULAR as Kiersten and Julien debunk 5 common myths surrounding women and investing. The historical narrative between women and investing is undergoing a transformative and exciting shift, proving that now more than ever, women are engaging in investment ventures, dismantling misconce…
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This week on, Rich & REGULAR, Kiersten and Julien are taking a deep dive into the world of alternative investments. What are alternative investments? Should you even consider them for your investment portfolio? The Saunders break down the pros and cons of these intriguing investment options, giving you a well-rounded perspective on the subject. If …
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With so many grocery store options, how do you navigate this world and still save money? It's no secret that grocery stores are the most frequently visited retailers in America. This week on Rich & REGULAR, Kiersten and Julien take a closer look at how our choices as grocery consumers shape what we buy. They discuss the rise of grocery delivery ser…
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This week on Rich & REGULAR, Julien and Kiersten tackle the intriguing question: Are gift cards a scam? Listeners might be surprised to learn that a whopping 47% of US adults are sitting on at least one unused gift card or store credit, collectively totaling an astonishing $23 billion nationwide! The Saunders also weigh in: Is cash a tacky gift? Tu…
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What in the world is recommerce and how could it benefit you? Get ready to explore the world of eCommerce on this week’s episode of Rich & REGULAR. From the booming secondhand market, aka recommerce, and its easy-money potential with minimal effort, to the nitty-gritty of doing your very first product listing, Julien and Kiersten have tips, strateg…
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This week on Rich & REGULAR, Julien and Kiersten take listeners into the exciting world of Amazon One ID, one of the newest developments in fintech. Tune in as they break down what exactly it is, how this game-changing technology operates, and whether or not you should be feeling just a tad uneasy about it. The Saunders don’t shy away from discussi…
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There are infinite ways to make money these days, short-term trading is just one of them. But is it the right fit for you? Tune in this week as Julien and Kiersten explore the differences between short-term trading vs. long-term investing as well as the advantages of each method. Most successful traders have an advantage in two areas, do you know w…
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This week on Rich & REGULAR, Kiersten and Julien tackle the topic of overoptimization. When does the pursuit of optimization become problematic? Is achieving balance while optimizing even possible? The Saunders share relatable anecdotes and practical advice on how to avoid the pitfalls of overoptimization, a must listen for those who prioritize lev…
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This week on Rich & REGULAR, Kiersten and Julien tackle a topic that's hitting close to home for many: paying off debt. With a special focus on student loan debt, they explain the background of student loans as payments start up again this month. They dive into some practical tips to help prioritize and pay down debt, in addition to ways to stay on…
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Is it time to hit the road and chase those trucking dreams? The latest episode of Rich & REGULAR is taking us on a wild ride through the world of trucking! Julien and Kiersten are discussing all things trucking – the good, the bad, and whether getting into the trucking industry is a good move right now. But hold onto your hats, because they're not …
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Thinking about starting a podcast and turning it into a profitable venture? Or maybe searching for a way to differentiate yourself and get that professional competitive edge? Tune in to this week’s episode of Rich & REGULAR as Kiersten and Julien guide listeners through the ins and outs of the podcasting business. From ways to make money with podca…
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AI is everywhere — and it’s likely to impact our financial life sooner rather than later. How will it affect how you spend, invest and manage finances now and in the future? Julien and Kiersten weigh the good and bad of AI financial tools: giving you a new perspective that’s taking over your wallet faster than fire. In this week’s episode of Rich &…
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You’ve seen the headlines: rising sea levels, fires, both the rainiest and driest summer on record depending on where you live. Weather is becoming hotter and more volatile and it’s having profound impact on our real estate investment properties. Julien and Kiersten acknowledge that financial value of property in places affected by climate change a…
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We’re halfway through the year, and there is no better time to ask, "What can I do to finish the year financially strong?" With the federal interest rate already being raised 3 times this year, Julien and Kiersten acknowledge that many listeners are probably feeling financially squeezed, and emphasize the importance of understanding the underlying …
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As the cost of travel continues to soar and flights become increasingly expensive, a surprising alternative is gaining traction and capturing the attention of wanderlust-stricken adventurers…traincations! Trains, once overlooked in favor of airplanes, are experiencing a renaissance, thanks to remarkable enhancements in the rail industry and a desir…
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Have you heard about the new legislative changes to 401ks? Tune in to Rich & REGULAR this week as Kiersten and Julien dive into the remarkable changes that are set to revolutionize your 401k. Discover the background behind these transformative shifts and gain valuable insights about your 401k options looking forward. The Saunders’ break down the si…
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What in the world is dividend investing and how is it like cookie dough? In this week’s episode of Rich & REGULAR, Kiersten and Julien delve into the concept of dividends, exploring what they are, the reasons behind their popularity, the criticism they face, and how they can fit into your financial strategy. With patience and purpose, dividend inve…
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Join the Saunders in this week’s episode of Rich & REGULAR as they delve into the world of the lottery. Discover where the funds go, face the staggering odds of winning, and gain insights into the dark side of gambling addiction as well as resources for help. From examining the impact of lottery funds on communities to sharing their thoughts on the…
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This week on Rich & REGULAR, Kiersten and Julien delve into the intriguing world of passive income, exploring its differences from active income and why it holds significant importance in our financial journey. They address some of the biggest misperceptions surrounding passive income and debunk myths often surrounding passive income. Drawing from …
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Tune in to a special edition of rich & REGULAR this week to celebrate the one-year anniversary of the launch of Julien and Kiersten's thought-provoking book, "Cashing Out: Win the Wealth Game by Walking Away". They take time this week to reflect on the motivations behind writing their book and how they embarked on the path to publication. Curious a…
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What in the world is communal living? Join Kiersten and Julien in this week’s episode of Rich & REGULAR as they delve into the world of communal living. Discover how these communities operate in ways that foster connection and create a sense of belonging. Gain insights as they break down the various structures that communal living can take, helping…
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Have you ever considered the untapped potential of short-term rental investing? Are you ready to embark on an exciting investment journey that can bring in substantial profits? The world of real estate investment has seen a significant shift in recent years, with short-term rentals emerging as a highly sought-after opportunity. This week’s episode …
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Worried about the impact of market volatility? Fear not! Join us this week on Rich & REGULAR as Julien and Kiersten unravel the fascinating world of bonds and shed light on their pivotal role during economic downturns. Brace yourself for an enlightening journey through the depths of investment strategies, where we'll explore the essence of bonds, t…
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How many Americans currently have a side hustle? What is the impact of women becoming the breadwinners for their family? Listen in on this week’s episode of rich & REGULAR for these answers and more as Julien and Kiersten take the live stage at the Morningstar conference in Chicago. Get ready for a captivating glimpse into their expertise beyond th…
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How much should we save? Where do we keep our money? Is saving 10% enough? Welcome to another episode of rich & REGULAR, where Julien and Kiersten Saunders answer these questions and more. This week's topic is all about the holy grail of personal finance: saving. Julien reminds us that saving is not just a habit, it's a skill. And like all skills, …
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