rich & REGULAR with Kiersten and Julien Saunders

rich & REGULAR

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 are happening in the world and how to adapt to them. Because being rich & famous is overrated. Being rich & REGULAR is where it's at.

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Top 10 rich & REGULAR with Kiersten and Julien Saunders Episodes

Goodpods has curated a list of the 10 best rich & REGULAR with Kiersten and Julien Saunders episodes, ranked by the number of listens and likes each episode have garnered from our listeners. If you are listening to rich & REGULAR with Kiersten and Julien Saunders for the first time, there's no better place to start than with one of these standout episodes. If you are a fan of the show, vote for your favorite rich & REGULAR with Kiersten and Julien Saunders episode by adding your comments to the episode page.

Ep 166: The “Zero-naire” effect and finding confidence in the smaller wins

rich & REGULAR with Kiersten and Julien Saunders

06/10/24 • 60 min

It’s time for your 2024 midyear money check-in and in this episode, we discuss the importance of celebrating the overlooked smaller financial wins and milestones. We know the feeling – it's easy to get caught up in big goals, like buying a house or retiring early. But what about the smaller victories along the way?

Julien reflects on the feeling of hitting "zero-naire" status after paying off debts, and how his mindset has shifted from constantly chasing a bigger number to finding contentment in the present. Kiersten reveals how shifting her perspective on saving from a rigid "all or nothing" approach to a more fluid and sustainable strategy led to greater financial confidence and a more positive relationship with money.

We also discuss the power of "sweat equity" in both personal and financial growth, and explore how to apply this concept to everyday life. Whether it's cooking at home instead of eating out, cleaning your patio yourself, or finding ways to increase your savings rate, every small win counts!

After this episode, you might be surprised at how much joy and progress you can achieve when you take the time to appreciate the little things.

Links:

Ep 71: Buying Used vs New

We discuss:

The power of mid-year check-ins and why they're critical for understanding your progress and re-evaluating your goals.
The importance of celebrating small wins, even when they seem insignificant.
The importance of sweat equity in our personal and financial lives, and how it can lead to a sense of accomplishment and purpose.
The dangers of chasing hype and the importance of discerning between real financial wins and fleeting trends.
The need to re-evaluate our approach to investing and learn about different strategies beyond traditional index funds.
The importance of recognizing and appreciating the value of experiences, even if they come at a cost.

Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.
Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.

Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by Forbes
If you would like to learn more about investing, check out our newest class, Making Money Grow

Ep 146: Jamila Souffrant | Finding Freedom within a Framework

rich & REGULAR with Kiersten and Julien Saunders

01/22/24 • 43 min

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 independence, how the FIRE movement inspired and challenged her, the importance of including various options in personal finance education, and the impact of immigration stories on financial journeys. We also discuss the challenges and strategies of raising financially savvy kids and the evergreen principles of financial education that apply to anyone.

Jamila believes that building wealth is not about chasing the latest trends or optimizing every penny, but about finding a balance between what makes you happy and what makes you secure. She shares the importance of taking a 'boring' approach to building wealth, encouraging you to focus on sustainable and fulfilling strategies rather than constant optimization. She also emphasizes the value of investing in low-cost index funds and retirement accounts as a foundation for financial security.

Get Jamila’s new book, Your Journey to Financial Freedom wherever books are sold. Subscribe to the Journey to Launch podcast and keep up with Jamila on Instagram, X, YouTube and Facebook.

Takeaways

The journey to financial independence often starts with a breaking point, where individuals realize they can no longer accept their current circumstances.
The FIRE movement can be a powerful tool for achieving financial independence, and it is important to find resources and communities that resonate with your personal journey.
Including various options and frameworks in personal finance education allows individuals to find a path that aligns with their goals and values.
Immigration stories can provide valuable lessons and inspiration for financial journeys, highlighting the sacrifices and determination required to create a better life.
Teaching children about money and investing should focus on the concepts of income, expenses, and the importance of balancing present enjoyment with long-term goals.

17: The Purpose of Income

rich & REGULAR with Kiersten and Julien Saunders

07/26/21 • 36 min

The first time Julien and Kiersten Saunders (@richandregular) explained the Purpose of Income, they were on a campus speaking to a group of students, faculty and staff talking about what it takes to build a “Modern Money Mindset”. One of the steps was to give your income a purpose and the audience was baffled about what that meant. In this week’s episode, they walk you through the same framework they taught that group and challenge you to think about your income differently. Budgets are important, but giving your income a larger purpose will help you gain clarity on your goals, stop chasing income indefinitely and put your money to work so you don’t have to work for it.

Full show notes and resources can be found here: www.richandregular.com/listen

Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers

This episode is sponsored by BELAY. Text the word SUCCESS to 55123 for your free download from BELAY or visit belaysolutions.com/success

See omnystudio.com/listener for privacy information.

38: Tips for Setting Your 2022 Financial Goals

rich & REGULAR with Kiersten and Julien Saunders

12/27/21 • 41 min

New Year, new goals! It’s the time of year where people are buzzing with optimism and anticipating the fresh start of a new year. In this episode, Julien and Kiersten Saunders (@richandregular) talk about why setting purely financial goals may not be the most useful exercise and offer their best tips and lessons about how to still achieve your money aspirations without losing yourself along the way.

Full show notes and resources can be found here: www.richandregular.com/e38shownotes

See omnystudio.com/listener for privacy information.

11: Imagining Your Worst-Case Scenario

rich & REGULAR with Kiersten and Julien Saunders

06/14/21 • 35 min

How much wisdom is in the old saying, “plan for the worst, but hope for best”? In this episode, Julien and Kiersten Saunders (@richandregular) argue against our cultural staple of indefinite optimism. There is now enough data to suggest that most working-age American’s financial forecast should include plans for a sudden job loss or significant disruption income. Nobody likes to imagine the worst case scenario, but it may be the key to building financial resilience.

We cover:

Income volatility and the probability working-age American’s income is likely to be disrupted
The most vulnerable demographic groups for wage stagnation
What the ‘Two Income Trap’ is
How to practice pessimism in the short-term and the long-term

Full show notes and resources can be found here: www.richandregular.com/listen

This episode is sponsored by BELAY. Text the word SUCCESS to 55123 for your free download from BELAY or visit belaysolutions.com/success

See omnystudio.com/listener for privacy information.

Ep 172: Not just a diagnosis | A real talk about ADHD, money, and relationships

rich & REGULAR with Kiersten and Julien Saunders

07/22/24 • 80 min

"I was so sad that this might be the case, that I might have ADHD."

This week we're peeling back the layers of Kiersten’s late diagnosis of ADHD. This episode is unlike any other as we get personal about Kiersten's diagnosis, the societal pressures that shaped her understanding of it, and the impact it has on her relationship with Julien and with money.

Join us as we explore the complexities of ADHD and how it can manifest in a partner. You'll hear about the emotional roller coaster that followed and the surprising ways ADHD impacts daily life, especially when it comes to the intersection of money. We also dive into why women are so underdiagnosed and misunderstood, the impact of hormones, perimenopause, and menopause on symptoms, the power of vulnerability, and the role of a partner in supporting someone with ADHD. This episode is packed with insights, humor, and a healthy dose of honesty.

Key Takeaways:

ADHD is not just a lack of attention, but a difference in how the brain processes and learns. It can impact various aspects of life, including organization, memory, and motivation.
The diagnosis can be an emotional process, with feelings of sadness, denial, and even shame. It can be challenging to reconcile past successes with a new understanding of one's brain.
The "Mommy Factor" describes the influx of women who are diagnosed only after their child is
It's important to challenge the negative language used to describe ADHD and other neurodivergent conditions. Instead of focusing on deficits, we should focus on understanding individual differences and celebrating unique strengths.
Partners can play a huge role in supporting someone with ADHD. They can help with understanding the condition, navigating the emotional journey, and advocating for necessary resources.
ADHD is not an excuse, but an explanation that can help us understand and overcome challenges.

Links:

For women with money issues, an ADHD diagnosis can be revelatory from Paulette Perhach via The NY Times
ADHD impairment peaks in menopause
How the "ADHD tax" affects adult finances
Interview with Rich Jones on how work affects our mental health via Cashing Out podcast
Keeping Finance Personal book by Ellyce Fulmore

118: Dividend Investing

rich & REGULAR with Kiersten and Julien Saunders

07/10/23 • 29 min

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 investing can be a great contribution to your portfolio.

So tune in to get some clarity on dividend investing to discover if this is a fit for your overall investment goals. After hearing Julien and Kiersten’s helpful insight, will you choose to embrace dividends or approach them with caution? The power to shape your investment strategy is in your hands. Until next time, happy investing!

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The Little Book of Common Sense Investing by John Bogle

Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.

Leave us a tip! Support rich & REGULAR by rating and reviewing on Apple Podcasts.

See omnystudio.com/listener for privacy information.

Ep 191: Rethinking Emergency Funds for modern times

rich & REGULAR with Kiersten and Julien Saunders

12/09/24 • 37 min

We’re still revisiting fundamentals and this week we’re asking: Is your emergency fund actually an emergency fund, or just a well-intentioned savings account collecting dust (and maybe a tiny bit of interest)?

In this episode, we unpack the truth about financial emergencies and reveal the flawed logic behind the old ‘3-months of expenses’ rule. Let’s be honest, climate change, unexpected job losses, and ridiculously high repair costs have made the classic “cash only” emergency fund advice obsolete. We talk about building a real safety net, one that's flexible, accessible, and addresses everything from the cost of repairs to those unexpected crises that inevitably spring up in life

Building an emergency fund isn’t about striving for perfection; it’s about protecting what matters most. We’ll provide practical tips, address common anxieties, and leave you with a renewed sense of preparedness – all without losing your mind (or your savings).

We discuss:

The Illusion of the "Checked Box": Why the standard 3-6 month emergency fund is inadequate for the unpredictable realities of 21st-century life
The importance of liquidity and accessibility: It's not enough to have the money, you need to be able to access it quickly and easily. We'll dissect the hidden fees and frustrating bureaucratic hurdles that can turn your carefully-saved emergency fund into a useless paperweight
More than just cash: We discuss the overlooked role of insurance, lines of credit, and community resources in weathering life’s storms. This isn't just about finances; it's about creating a comprehensive plan that addresses all dimensions of an emergency
The Multi-Layered Approach: Why cash is still surprisingly relevant, even in a cashless society.Real-life examples that illustrate why diversifying your financial institutions is no longer a "luxury" but a necessity
The Rebuilding Phase: A practical plan for rebuilding your emergency fund in the wake of a crisis. Because let’s face it, emergency situations aren't one-and-done

Links:

Ep 120: Why You Should Consider a Traincation

rich & REGULAR with Kiersten and Julien Saunders

07/24/23 • 44 min

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 desire for more affordable and experiential journeys. This week on Rich & REGULAR, Kiersten and Julien delve into the reasons why train travel is making a remarkable comeback, how the United States fares in comparison to the rest of the world, and the pros and cons of opting for a train journey over flying.

With summer travel in full swing, many adventurers are rediscovering the allure of road trips and, in the process, realizing they had forgotten about the wonders of train travel. Amidst the escalating costs of flights, it's no wonder that people are seeking alternatives that offer both savings and an opportunity to embrace the journey itself. Tune in to hear the Saunders break down why a traincation could be a fit for your next trip. You might just find yourself wondering, why not consider the train and rediscover the joy of the journey?

Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.

Leave us a tip! Support rich & REGULAR by rating and reviewing on Apple Podcasts.

See omnystudio.com/listener for privacy information.

Ep 162: Get Noticed, Get Hired: How to sell yourself and win in this job market

rich & REGULAR with Kiersten and Julien Saunders

05/13/24 • 39 min

The job market is more competitive than ever. Even with the perfect resume and impressive credentials, landing your dream job (or even a decent one) feels impossible. What's the missing piece?

This episode dives into the unspoken truth: you need to learn how to sell yourself.

We're tackling the tough questions:

Why is self-promotion so important in today's world? We explore how the digital age has changed the game, requiring you to be "twice as findable" as you are qualified.
Isn't bragging "icky"? We debunk the stigma around self-promotion, revealing the difference between obnoxious boasting and authentically showcasing your value.
I hate social media. Do I really need to be online? We discuss the importance of building a digital presence and offer strategies for making it work for YOU, even if you're not a social media guru.
How do I stand out without losing myself? We offer practical tips and frameworks for developing a sustainable self-promotion strategy that aligns with your values and goals.
What about the fear of rejection? We share personal experiences and provide encouragement for overcoming the mental hurdles that often hold people back.

This episode is for anyone who is struggling to land a job despite strong qualifications, wants to advance their career but feels stuck or is considering entrepreneurship but feels hesitant to put themselves out there.

We'll leave you feeling empowered to take control of your career narrative, equipped with a few practical strategies for building your personal brand and inspired to embrace self-promotion as a path to success.

Resources mentioned:

Brag Better by Meredith Fineman
Cinneah at Flynanced

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FAQ

How many episodes does rich & REGULAR with Kiersten and Julien Saunders have?

rich & REGULAR with Kiersten and Julien Saunders currently has 193 episodes available.

What topics does rich & REGULAR with Kiersten and Julien Saunders cover?

The podcast is about Financial Independence, Retirement, Investing, Stock Market, Podcasts, Fire, Money Podcast, Business, Early Retirement, Rich and Careers.

What is the most popular episode on rich & REGULAR with Kiersten and Julien Saunders?

The episode title '55: Demystifying Retirement' is the most popular.

What is the average episode length on rich & REGULAR with Kiersten and Julien Saunders?

The average episode length on rich & REGULAR with Kiersten and Julien Saunders is 39 minutes.

How often are episodes of rich & REGULAR with Kiersten and Julien Saunders released?

Episodes of rich & REGULAR with Kiersten and Julien Saunders are typically released every 7 days.

When was the first episode of rich & REGULAR with Kiersten and Julien Saunders?

The first episode of rich & REGULAR with Kiersten and Julien Saunders was released on Apr 9, 2021.

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rich & REGULAR with Kiersten and Julien Saunders

rich & REGULAR

Top 10 rich & REGULAR with Kiersten and Julien Saunders Episodes

FAQ

How many episodes does rich & REGULAR with Kiersten and Julien Saunders have?

What topics does rich & REGULAR with Kiersten and Julien Saunders cover?

What is the most popular episode on rich & REGULAR with Kiersten and Julien Saunders?

What is the average episode length on rich & REGULAR with Kiersten and Julien Saunders?

How often are episodes of rich & REGULAR with Kiersten and Julien Saunders released?

When was the first episode of rich & REGULAR with Kiersten and Julien Saunders?

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