rich & REGULAR with Kiersten and Julien Saunders

rich & REGULAR
  • 4.9 (477)
  • Investing
  • Updated Weekly

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.  

  1. 5d ago

    Ep 253: How to save money on groceries when everything is expensive

    Groceries are expensive, eating out is expensive, and somehow the advice for spending less on food is still “make a list.” Meanwhile, feeding yourself has gotten weirdly strategic these days. Between higher prices, smaller packages, busy schedules, food waste, and recalls, the smartest grocery strategy is simply getting better at buying for the life you actually live. So in this episode, we’re sharing 5 questions to ask before you even head to the grocery store so you can spend less, waste less, and make eating at home feel a whole lot easier. We get into: Why shopping hungry changes what “enough” looks likeThe pantry food you already paid for and why whatever keeps getting left behind is useful feedbackHow your freezer quietly becomes a graveyard for food wasteWhy a $20 frozen lasagna can be a better financial decision than buying all the ingredients from scratchWhat actually deserves “staple” status in your houseHow to build different levels of cooking into your routine so the only choices aren’t “make a whole meal” or “order $100 worth of takeout”And the bonus question we probably all need to start asking before we toss something in the cart: is this currently recalled?Links:  3 reasons your food doesn’t turn out the way you wantCatch up on our Eat Better cooking series, then leave a comment with what you want Julien to tackle next. He’s open to anything from a technique or ingredient, to a meal, shortcut, or cooking problem you want help with For the bigger picture behind what we eat and why, watch Taste the Impact, our mini doc on the food system itself 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

  2. Sep 15

    Ep 252: What we argued about after the accident (life update part 2)

    Part 1 was Julien’s version of what happened, this is the part where I get to talk lol. Because apparently, one of the side effects of a family emergency is finding out exactly what you disagree about when everybody’s tired, somebody’s in pain, and your normal division of labor has completely fallen apart. The injury may have been his, but the emergency affected all 3 of us, which meant we all had to adjust…and that’s where the conflict started.  So instead of giving you a neat list of lessons from the last 5 months, we’re talking about what we actually argued about: whether expensive medical aids count as needshow much you can still expect from somebody who can’t walkwhat happens when their usual problems suddenly become YOUR problemshow much pain and chaos your kid should have to seewhy “helping” can start to feel a lot like controllingand how a 9 year old watching his dad recover somehow became much better at roasting himMost of these weren’t really arguments about the thing we were arguing about. They were arguments about capacity, control, care, and what happens when the way your family normally works suddenly doesn’t. Turns out, “in sickness and in health” leaves out a lot of details.. Links:  Ep 222: Why we don’t share everything (and what we do instead) Ep 245: The simplest way to talk about money without making it weirdEp 227: 10 years in | Money, marriage, and the lessons we didn’t see coming 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

  3. Sep 9

    Ep 251: I spent the last 5 months learning how to walk again (Part 1)

    We’re back! We’ve been gone for months, and a lot of you have asked where we’ve been. The answer starts with a freak accident at Beau’s baseball practice, but that’s only the beginning.  What followed was surgery, months without being able to walk, a crash course in pain management, caregiving, muscle loss, mental health, and learning the limits of “for better or worse.”  Julien starts with his side of the story here. Kiersten joins him in Part 2.  In this solo episode, he shares: what happened the day of the accident and why getting his pain under control was more complicated than expectedhow a problem with his IV changed his experience in the hospitalwhat it felt like to suddenly depend on other people for everyday thingshow quickly his body changed after weeks of limited mobilitywhat he learned about managing strong prescription pain medication during recoverythe mental health side of recovery that he completely underestimatedwhat it meant for Kiersten to become his caregiver while still holding everything else downwhy community support became such an important part of getting through ithow different a medical emergency feels when you have the financial room to stop and healwhat using an HSA during a real medical emergency taught him that years of talking about HSAs never couldThis wasn’t the break we planned to take, but it gave us plenty to come back and talk about.   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

  4. Mar 31

    Ep 250: The problem with hearing “AI” and assuming your career is over

    This week, we’re talking about what’s really going on in the AI layoff era, and why the way you interpret that moment matters almost as much as the layoff itself.  If all you hear is “a robot replaced me,” it’s easy to spiral, panic pivot, and start solving the wrong problem. But if you know how to read the room, you can make smarter decisions about your career, your money, and where to go from here.  Losing a job is already disruptive enough. The last thing you need is to turn it into a full-blown crisis about your worth. If this episode hit home, leave a review, share it with somebody who needs it, and subscribe so you don’t miss the next one.  In this episode, we cover: Why “because AI” doesn’t always mean a robot directly replaced your jobThe 3 different things companies might mean when they blame AIHow to tell the difference between an actual workflow change and plain old cost-cuttingWhy panic pivoting can get expensive fastWhat to look at first if you’ve been laid off Why becoming AI-capable matters more than becoming an “AI expert”How to reposition your experience without throwing away your strengthsWhy “AI-first” language doesn’t always mean your job or industry is cookedWhy layoffs hit your identity so hard, and how to stop making it worse 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

  5. Mar 24

    Ep 249: We asked Gen Z about money. Their answers were a wake-up call

    We spent a week talking to hundreds of high school seniors about money, and they gave us more hope than we expected. Underneath the stereotypes about “kids these days,” we found a generation that already understands more than adults give them credit for, while still being dangerously underprepared for some of the biggest financial decisions of their lives. So this week, we’re talking about what stood out after speaking to 400+ students across 5 high schools in the Chicago area and what parents, teachers, and honestly all of us should take from it.  They knew saving mattered, they had opinions about frugality, and some were already working jobs. There were a few who were already gambling, and way too many were about to sign student loan paperwork without fully understanding what they were agreeing to. If you’ve got a teenager, a future college student, or a young person in your life who thinks money talk is boring, this episode might help you reach them a little differently. This conversation isn’t just about teens. It’s about what happens when financial education is too late, too shallow, or too disconnected from real life. In this episode, we get into: Why so many teenagers understand everyday saving but still don’t understand student loansThe shocking number of students already seeing gambling as a real way to make moneyHow “frugal” stopped being an insult and started sounding practicalWhy kids were more engaged than the grownups who usually sit through money talksWhat they got wrong about the biggest expenses in adult life and why that mattersThe difference between knowing stocks exist and actually understanding investingWhy buy now, pay later needs to be explained as credit, not convenienceWhat this experience taught us about Gen Z, money, and the adults responsible for filling in the gapsHow parents can use AI to make money lessons click for kids who seem uninterestedLinks:  Other experts mentioned in this episode: Chris Corinthian, Berna Anat, Yanely Espinal, Dr. Paris Woods  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

  6. Mar 17

    Ep 248: We need to talk about sports gambling

    There’s a casino in everybody’s pocket now, and it’s wearing a jersey. This week’s episode is about sports gambling, why it’s exploding right now, and the data that should make you pause before you normalize it in your house, your group chat, or your relationship. We promise this isn’t an anti-fun sermon, it’s a reality check. If you’re someone who sports bets but has real limits in place…tell us what’s working. And if you’ve seen this start “small” and turn into something bigger in your life or somebody you love… drop a comment. People actually read them, and somebody needs that story. We get into: Why “it’s just entertainment” doesn’t hold up The fantasy sports gateway The uncomfortable overlap between sports bettors, crypto people, and day traders The stats that made us go: oh… this is a public health issue (debt, missed bills, payday loans, bankruptcy spikes)How this isn’t “just a men’s issue” anymore and why women’s growth in betting makes total senseThe darker stuff no one wants to talk about: mental health, domestic violence spikes, and what happens after “a devastating loss”Why we think gambling needs to be part of modern financial literacy the same way drugs/alcohol were when we grew upWhat to do if you suspect it’s becoming a problem (and why the hotline is not the solution people think it is)Links: Watch - VICE documentary: “The Sports Betting Boom” Watch - Money on the Table - Season 3, Episode 3 - Luck is not a plan Read - My Year as a Degenerate Sports Gambler  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

  7. Mar 3

    Ep 247: The Student’s Guide to Financial Freedom with Dr. Paris Woods

    Most money advice for students is either condescending or delusional, and this episode is neither. This one is for the students…and for the parents, aunties, mentors, and big cousins trying to help without lecturing.  Today I’m joined by Dr. Paris Woods, bestselling author of The Black Girl’s Guide to Financial Freedom and the new Student’s Guide to Financial Freedom. We talk about what she saw growing up in St. Louis, the “education is the ticket” promise, and why getting out of poverty isn’t the same as building wealth. If you love a young person, send them this episode and then follow up with, ‘did you listen?’ We cover: The debt traps waiting for you the moment you turn 18The minimum payment trap and why “on-time payments” can still keep you stuck for yearsWhy “adulting” starts with a credit limit — and how cards + BNPL get marketed like free money.Sticker price vs. net price: How to find your real college cost before you commitCreating a “gap plan” with scholarships + grants + schools that meet need + a realistic part-time job so loans aren’t the defaultDreaming as a strategy and finding the answer to “what would you do if you knew you couldn’t fail?”The importance of building a Freedom Fund so you can take the trip, start the business, or pivot without panickingLinks: Order The Student’s Guide to Financial FreedomFollow Dr. Paris Woods: @AuthorParisWoods + ParisWoods.com 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

  8. Feb 23

    Ep 246: New Money, New Problems: Finding advice you can trust with Brenton Harrison, CFP

    This week, we’re joined by Brenton Harrison, founder of New Money New Problems. Brenton is a financial advisor who works with first- and second-generation high earners. We’re talking about how to tell the difference between quality financial advice and misinformation/scammy advice, making sense of what you hear online, and why not all “good advice” is good for YOU.  And because we live in the real world where creators and advisors both exist, we get into the relationship between financial influencers and financial advisors, where each one can actually help, where each one can fall short, and why it doesn’t have to be “versus” We get into: The difference between first-generation wealth and first-generation high income (and why it matters)Why first/second-gen high earners can be underserved even when they’re making good moneyThe #1 thing Brenton wishes high earners knew soonerWhy financial literacy doesn’t automatically fix the emotional + social reality of moneyThe disclaimer we wish more financial creators would useWhy “tax hack” content is so seductive and why it can be flat-out dangerousWhy market-timing myths surviveWhat a strong advisor relationship should produce in the first 60–90 days, and what you should look forWhy a bad experience with one advisor doesn’t mean you should quit the entire lane foreverBrenton’s take on robo-advisors, AI, and how tech can help without replacing real planning Links:  Visit Brenton’s website and book an initial meetingConnect with him on Instagram or LinkedIn Subscribe to his YouTube channelListen to the New Money, New Problems podcast   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

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About

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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