Financial Health

On a global mission to make the financial industry less “male, pale, and stale,” Vivian Tu is a former Wall Street trader-turned-expert, educator, public speaker, host, entrepreneur, media powerhouse, and the founder and CEO of the financial equity phenomenon, “Your Rich BFF.” In January 2021, she developed and launched the “Your Rich BFF” blog and social media handles as a passion project to destigmatize and make the rules of personal finance accessible and digestible to non-experts and marginalized communities. 

Her dedication to promoting financial literacy and ability to bridge the gap between finance and the mainstream have earned her cross-platform fame and notoriety, having garnered nearly 6 million followers and counting, as well as honors on both the Forbes’ ‘30 Under 30 – Social Media’ (2023) and inaugural ‘Top Creators’ (2022) lists. This December 2023, Vivian’s financial prowess and devotion to educating her followers have culminated into the highly anticipated release of her debut book, “RICH AF: The Winning Money Mindset That Will Change Your Life.” Revealed exclusively on the TODAY show, “RICH AF” is billed as the definitive book on personal finance for a new generation, and was sold in a competitive auction for a seven-figure publishing deal to Portfolio, a division of Penguin

Buy her book Rich AF: The Winning Money Mindset That Will Change Your Life 

Listen to her podcast Networth and Chill Pod

In this episode you will learn

• How to recognize warning signs of a potential layoff and take proactive steps to protect your career and financial stability.
• Whether everyone possesses the potential to achieve financial wealth and the key factors that contribute to financial success.
• Practical strategies for increasing your income and improving your financial health, even if you're currently facing financial challenges.
• Insights on achieving financial comfort without placing excessive emphasis on money itself, focusing on balance and fulfillment.
• The pros and cons of company loyalty versus job hopping, and finding out which approach is more likely to lead to financial success and wealth building.

For more information go to www.lewishowes.com/1551

For more Greatness text PODCAST to +1 (614) 350-3960

More SOG money-themed episodes we think you’ll love:

Jaspreet Singh – https://link.chtbl.com/1411-pod

Jen Sincero – https://link.chtbl.com/1101-pod

Dave Ramsey – https://link.chtbl.com/1415-pod

The stock market is a great way to make money, but investing comes with risk - especially if a company that you invest in starts to struggle.

So in today's podcast, we'll be looking at red flags in potential investments that should act as a warning sign to investors.

If you enjoyed this episode, please leave us a 5 ⭐️ rating & a review. As a smaller podcast, it would really help us to reach more people. Thank you!😇

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Thank you for listening to this episode of The Stocks and Savings Podcast, we really hope that you found it interesting.

And if you're new here - welcome! We're Andreea & Jamie, the 2 Chartered Accountants & couple behind the Instagram financial blog ⁠⁠⁠⁠⁠⁠⁠@stocksandsavings⁠⁠⁠⁠⁠⁠⁠.

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See you next time! 🤗

This week, Sim and Sonya discuss the pros and cons of company stock options. They highlight the benefits, such as diversification and feeling valued as an employee, but also caution against tying up too much of your net worth in a single company. Ultimately, they emphasise the importance of considering your company's long-term prospects before deciding whether to invest in its stock options.

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'Til next week, team! 💖

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Check out these fun things:

Patreon: ⁠https://www.patreon.com/calebhammer⁠ 

My socials: ⁠https://linktr.ee/calebhammer⁠ 

Do you want to be in a Financial Audit and you're in the Austin area? Email castingcalebhammer@gmail.com

Sponsorship and business inquiries: calebhammer@creatorsagency.co 

_______________________ 

Timestamps: 00:00 Job and Income 04:30 I mean... hardly what you think... 07:54 Spend Spend Spend 12:50 Please STOP STOP STOP 17:00 I'm scared for you... 20:50 This is a mess!!!! 24:42 You need to BUDGET 28:30 What a Financial Position! 34:00 Clean up this MESS! 39:04 Please just do this... 43:42 Hammer Financial Score

Check out these fun things:

Patreon: ⁠https://www.patreon.com/calebhammer⁠ 

My socials: ⁠https://linktr.ee/calebhammer⁠ 

Do you want to be in a Financial Audit and you're in the Austin area? Email castingcalebhammer@gmail.com

Sponsorship and business inquiries: calebhammer@creatorsagency.co 

_______________________ 

Timestamps: 00:00 Job and Income 04:20 No! Already?1 05:10 Kudos 06:55 The IRS wants their money! 12:47 What a Mess 17:19 SPEND SPEND SPEND 22:05 ...Im scared for you 28:20 Justification Justification Justification 33:10 Please Stop.... 38:25 You Need a Budget 42:25 Will you actually pay your taxes? 45:53 Please just do this 50:20 Clean up this mess 56:35 Final Thoughts 57:03 Hammer Financial Score

We're starting a new series all about Investing Strategies! The first strategy we'll cover is dividend investing, so tune in to this episode to find out what dividend investing is, how it works, what to look for when choosing dividend investments and the main advantages and risks of this investing strategy.

If you enjoy this episode, please share it with a friend and leave us a 5⭐️ rating. As a smaller podcast, it would really help us reach more people and gain credibility. Thank you! 😇

This episode is not sponsored, but below there are a couple of referral links (if you sign up through these, we’ll get a small payment which helps us create this free content):

• Investing in ETFs (incl. Vanguard) with InvestEngine: ⁠⁠⁠⁠⁠Click here ⁠⁠⁠⁠⁠to get up to £50 bonus when you invest £100 (Ts&Cs apply). 
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Terms & conditions apply. Capital at Risk. Investments may rise and fall.

For more financial education made simple:

• ⁠⁠⁠⁠⁠⁠Download our free investing guide⁠⁠⁠⁠⁠⁠
• ⁠⁠⁠⁠⁠⁠Follow us on Instagram⁠⁠⁠⁠⁠⁠
• ⁠⁠⁠⁠⁠⁠Follow us on TikTok⁠⁠⁠⁠⁠⁠
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See you next time! 🤗

2022 has been a challenging year for many of you financially. As we approach the end of the year, it is time to start looking ahead at what you can do to turn your financial situation around in 2023. My wish for you is that you find yourself in better financial standing than you were this year. SO, 

🟦 Join me at 5:00pm PST as I will share ideas on how to start planning for a financially healthy. It’s time to say hello to a healthier and more prosperous 2023! 

Here are some HIGHLIGHTS from this episode.

 00:22 Bill of Rights Day

05:46 What is financial health?

06:10 The importance of financial health

08:07 Start with a budget

08:47 What should be included in your budget?

10:10 Set financial goals

10:55 Pay down your debt

12:51 Save money whenever possible

14:28 Invest for the future 

15:21 Invest wisely

16:13 Invest in retirement accounts

17:11 Invest in yourself

18:15 Seek professional advice

19:10 The benefits of achieving financial health.

19:47 Improved quality of life

20:18 Peace of mind

21:24 Increased financial security

22:49 Reaching your financial goals.

23:24 The importance of good financial management

24:28 Challenges to achieving financial health.

25:26 The fear factor

26:31 lack of knowledge

27:46 Time management issues

28:27 The challenges of budgeting

29:05 How to combat the challenges of budgeting

29:55 Stick to your budget

30:54 Unforeseen financial emergencies

32:56 As I see it

34:29 My last words for today’s show

35:24 Quote of the show

 Connect with me on mariejocaesar.com

Join my Facebook group financeconversations.com

Connect with me:
Instagram: https://www.instagram.com/the_financiologist_mjcaesar/
Facebook: https://www.facebook.com/merginglifeandmoney
YouTube: https://www.youtube.com/channel/UCDOmx_ThReq0hAC3acvMQ9g
Twitter: https://www.twitter.com/https://twitter.com/mariejocaesar
LinkedIn: https://www.linkedin.com/in/mjcaesar

Click this link https://mariejocaesar.com/fp-quiz to take the "What's Your Financial Personality Type” Quiz, so you can transform your financial identity and create Financial Freedom.

Click this link: https://mariejocaesar.com/consult to book a FREE consultation now! Let's map out your path to financial wellness together. Your future self will thank you.

Keep the cash flowing! Today, Alex (@AlexHormozi) talks about the number one mistake he says a lot of entrepreneurs make in terms of making more money. He also talks about the number one metric that he uses to track his businesses, and why you should follow this concept. if you're thinking about reinvesting in the business, make sure that the dollars that you're choosing to reinvest, you're getting the best return on capital you possibly can.

Welcome to The Game w/Alex Hormozi, hosted by entrepreneur, founder, investor, author, public speaker, and content creator Alex Hormozi. On this podcast you’ll hear how to get more customers, make more profit per customer, how to keep them longer, and the many failures and lessons Alex has learned on his path from $100M to $1B in net worth.

Timestamps:

(0:25) - Alex's top metric: Net Free Cash Flow.

(3:20) - Reality: 99% of businesses never get sold.

(4:24) - Entrepreneur mistake: Neglecting Net Free Cash Flow.

(5:49) - Net Free Cash Flow: Profit exceeding business needs.

(9:22) - Regular exposure to discounted risk: Operational Risk.

Follow Alex Hormozi’s Socials:

LinkedIn | Instagram | Facebook | YouTube | Twitter | Acquisition

This is my most used equation in business. Today, Alex (@AlexHormozi) talks about the one equation you must know to fully understand where your business stands, the lifetime value of your customers, and where you'll cap. 

Welcome to The Game w/Alex Hormozi, hosted by entrepreneur, founder, investor, author, public speaker, and content creator Alex Hormozi. On this podcast you’ll hear how to get more customers, make more profit per customer, how to keep them longer, and the many failures and lessons Alex has learned on his path from $100M to $1B in net worth.

Timestamps:

(1:27) - The number one equation Alex uses the most in all of business

(4:30) - The Pie Equation helps make quick calculations to know where you're at

(8:42) - The importance of using all three variations of the equation & The Golden Ratio

(12:20) - The quick recap of The Pie Equation and the last way to use it

Follow Alex Hormozi’s Socials:

LinkedIn | Instagram | Facebook | YouTube | Twitter | Acquisition

We've cut down the fifth week of lectures to be even shorter and combined them into one podcast.

First a lecture from Kirsty Nathoo. Kirsty is a partner and CFO of YC. Her lecture focuses on the most common mistakes startups make with their finances and how they can avoid making them.

Then a lecture from Kevin Hale. Kevin is also a partner at YC and he’ll talk about the importance of building a successful working relationship with your cofounders and processes you can use to do so.

Y Combinator invests a small amount of money ($150k) in a large number of startups (recently 200), twice a year.

Learn more about YC and apply for funding here: https://www.ycombinator.com/apply/

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Topics

00:00 - Intro

00:38 - Kirsty Nathoo - Startup Finance Pitfalls and How to Avoid Them

2:08 - #1 - Not knowing what to look at: bank balance, money coming in, and money going out

2:56 - Burn

3:41 - Runway

4:59 - Growth rate

5:48 - Default alive - http://growth.tlb.org and http://paulgraham.com/aord.html

8:09 - #2 - Not looking often enough: every week

9:04 - #3 - Under-Representing Expenses

12:27 - #4 - Out-sourcing responsibility

15:11 - #5 - Scaling too quickly

20:08 - #6 - Letting runway get too low before fundraising - https://blog.ycombinator.com/advice-startups-running-out-of-money/

23:21 - Kevin Hale - How to Work Together

24:49 - Everyone fights

25:43 - Four things to avoid: criticism, contempt, defensiveness, stonewalling

27:40 - Make a plan before you fight: divide and conquer

31:11 - Know thyself - https://www.youtube.com/watch?v=2s9ACDMcpjA

34:12 - Document a process

36:20 - Use nonviolent communication

37:19 - Observation vs evaluation

39:16 - Emotions vs thoughts - https://www.slideshare.net/nonviolent/evaluative-words-list-nonviolent-communication

41:50 - Universal needs

43:38 - Requests vs demands

45:46 - How to Deliver Constructive Feedback in Difficult Situations - https://medium.com/s/please-advise/the-essential-guide-to-difficult-conversations-41f736e63ccf

46:01 - Pay down your emotional debt

47:18 - Practice having level 3 conversations

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