Not Rich Yet But Trying

Danny & Melissa O'Leary
  • 4.9 (14)
  • How To

Your how to guide to get your personal finances in order! We are here to help by teaching you the tips we have learned on our money journey (and the mistakes to avoid!). We talk about budgeting, spending, saving, investing, money hacks, and more! This is your beginner guide (and beyond) from people who know what it's like to start with nothing. Whether you're single, married, with kids, or anything in between, we have you covered. This is the beginning of your path to FIRE - Financial Independence, Retire Early

Episodes

  1. 08/17/2021

    19 - How We Manage Our Debt

    We've told you about all the ways you can manage your debt - now we are going to give you the details on how we manage ours! Use our link to get $310 toward your loan with Sofi - https://www.sofi.com/invite/personal-loans/?gcp=c05411e2-c41b-41c3-8952-6384fb0d9ab3 Contact us! Instagram - NotRichYetButTrying Email - notrichyetbuttrying@gmail.com Our Favorite Personal Finance Apps and Websites ·Acorns - Get $5 when you sign up through our link - https://acorns.com/invite/UZEVET ·Qapital - Get $5 when you sign up through our link - https://get.qapital.com/vMz3XFRQGeb ·Yotta - Get 100 tickets when you sign up through our link - https://withyotta.page.link/vpYH9LHGQW7L112U7 ·Webull - Get 2 free stocks when you sign up through our link - https://act.webull.com/on/CylnRV5S3tZw/08d/inviteUs/ ·Robinhood - Get 1 free stock when you sign up through our link - https://join.robinhood.com/melisso-515e08 ·Coinbase - Get $10 in Bitcoin when you buy or sell $100 in crypto - coinbase.com/join/oleary_n6x?src=ios-link Our favorite shopping apps for cash back ·Rakuten - literally the best. Earn cash back when you shop almost anywhere. Earn $30 (!) when you use our link and spend $30 (can you say free?) - https://www.rakuten.com/r/MELISS62337?eeid=44971 ·Ibotta - cashback on groceries! —> https://ibotta.onelink.me/iUfE/8cc13c64?friend_code=dyiebos ·Fetch Rewards - also for groceries, earn gift cards. Get 2000 points ($2) when you use our link or referral code and upload a receipt. Code - Y9J3B Link - https://fetchrewards.onelink.me/vvv3/referraltext?code=Y9J3B (Please note - any links provided may be referral links, which means we may benefit monetarily if you choose to use them) We are a personal finance podcast that aims to help beginners learn how to budget, evaluate their spending, save, invest, and earn more money. Please tune in weekly for tips to change your financial outlook. *Please note we are not financial advisors and nothing we discuss should be considered advise. This is solely our opinion and any financial decisions should be researched and/or discussed with your financial advisor*

  2. 08/10/2021

    18 - The Craziest Money Saving Hack We've Found So Far

    Think you've found every way possible to save money? Think again! This week's episode is all about the easiest way to save money on almost any purchase you have to make.  Join Raise with our link for $5 in Raise Cash toward a gift card purchase --> https://geta.raise.com/MELISS1475 (pro tip: use promo code FIRST on your first order... save the Raise cash for later!!) Don't forget to also use Rakuten! Our link gets you $30 cash back after you make your first $30 purchase through the app! https://www.rakuten.com/r/MELISS62337?eeid=44971 Contact us! Instagram - NotRichYetButTrying Email - notrichyetbuttrying@gmail.com Our Favorite Personal Finance Apps and Websites ·Acorns - Get $5 when you sign up through our link - https://acorns.com/invite/UZEVET ·Qapital - Get $5 when you sign up through our link - https://get.qapital.com/vMz3XFRQGeb ·Yotta - Get 100 tickets when you sign up through our link - https://withyotta.page.link/vpYH9LHGQW7L112U7 ·Webull - Get 2 free stocks when you sign up through our link - https://act.webull.com/on/CylnRV5S3tZw/08d/inviteUs/ ·Robinhood - Get 1 free stock when you sign up through our link - https://join.robinhood.com/melisso-515e08 ·Coinbase - Get $10 in Bitcoin when you buy or sell $100 in crypto - coinbase.com/join/oleary_n6x?src=ios-link Our favorite shopping apps for cash back ·Rakuten - literally the best. Earn cash back when you shop almost anywhere. Earn $30 (!) when you use our link and spend $30 (can you say free?) - https://www.rakuten.com/r/MELISS62337?eeid=44971 ·Ibotta - cashback on groceries! —> https://ibotta.onelink.me/iUfE/8cc13c64?friend_code=dyiebos ·Fetch Rewards - also for groceries, earn gift cards. Get 2000 points ($2) when you use our link or referral code and upload a receipt. Code - Y9J3B Link - https://fetchrewards.onelink.me/vvv3/referraltext?code=Y9J3B (Please note - any links provided may be referral links, which means we may benefit monetarily if you choose to use them) We are a personal finance podcast that aims to help beginners learn how to budget, evaluate their spending, save, invest, and earn more money. Please tune in weekly for tips to change your financial outlook. *Please note we are not financial advisors and nothing we discuss should be considered advise. This is solely our opinion and any financial decisions should be researched and/or discussed with your financial advisor*

  3. 08/03/2021

    17 - Extra Cash Series - Selling Your Stuff

    Today we discuss how to get some extra cash in your pocket by selling your stuff. We talk about where to sell and what to sell! We have years of experience doing this, so if you need some help or inspiration, this is a must listen! Links: Mercari - https://merc.li/69hm3pNzb (use this link for $20 after making $100 selling.. and $10 off when you make a purchase) Poshmark - https://poshmark.com/ (use referral code melissaann92 to get $10 off when you make a purchase) Raise (SELL/BUY GIFTCARDS) - https://geta.raise.com/MELISS1475 (use link for $5 raise cash) Contact us! Instagram - NotRichYetButTrying Email - notrichyetbuttrying@gmail.com Our Favorite Personal Finance Apps and Websites ·Acorns - Get $5 when you sign up through our link - https://acorns.com/invite/UZEVET ·Qapital - Get $5 when you sign up through our link - https://get.qapital.com/vMz3XFRQGeb ·Yotta - Get 100 tickets when you sign up through our link - https://withyotta.page.link/vpYH9LHGQW7L112U7 ·Webull - Get 2 free stocks when you sign up through our link - https://act.webull.com/on/CylnRV5S3tZw/08d/inviteUs/ ·Robinhood - Get 1 free stock when you sign up through our link - https://join.robinhood.com/melisso-515e08 ·Coinbase - Get $10 in Bitcoin when you buy or sell $100 in crypto - coinbase.com/join/oleary_n6x?src=ios-link Our favorite shopping apps for cash back ·Rakuten - literally the best. Earn cash back when you shop almost anywhere. Earn $30 (!) when you use our link and spend $30 (can you say free?) - https://www.rakuten.com/r/MELISS62337?eeid=44971 ·Ibotta - cashback on groceries! —> https://ibotta.onelink.me/iUfE/8cc13c64?friend_code=dyiebos ·Fetch Rewards - also for groceries, earn gift cards. Get 2000 points ($2) when you use our link or referral code and upload a receipt. Code - Y9J3B Link - https://fetchrewards.onelink.me/vvv3/referraltext?code=Y9J3B (Please note - any links provided may be referral links, which means we may benefit monetarily if you choose to use them) We are a personal finance podcast that aims to help beginners learn how to budget, evaluate their spending, save, invest, and earn more money. Please tune in weekly for tips to change your financial outlook. *Please note we are not financial advisors and nothing we discuss should be considered advise. This is solely our opinion and any financial decisions should be researched and/or discussed with your financial advisor*

  4. 07/20/2021

    16 - Why You NEED an Emergency Fund

    Today we talk about how important it is to have an emergency fund. Even if you think you can handle an unexpected expense, not preparing for it beforehand can be ruinous to our finances. We discuss examples of the unexpected that can happen to anyone and how to start prioritizing getting your emergency fund ready with what you need.  Contact us! Instagram - NotRichYetButTrying Email - notrichyetbuttrying@gmail.com Our Favorite Personal Finance Apps and Websites ·Acorns - Get $5 when you sign up through our link - https://acorns.com/invite/UZEVET ·Qapital - Get $5 when you sign up through our link - https://get.qapital.com/vMz3XFRQGeb ·Yotta - Get 100 tickets when you sign up through our link - https://withyotta.page.link/vpYH9LHGQW7L112U7 ·Webull - Get 2 free stocks when you sign up through our link - https://act.webull.com/on/CylnRV5S3tZw/08d/inviteUs/ ·Robinhood - Get 1 free stock when you sign up through our link - https://join.robinhood.com/melisso-515e08 ·Coinbase - Get $10 in Bitcoin when you buy or sell $100 in crypto - coinbase.com/join/oleary_n6x?src=ios-link Our favorite shopping apps for cash back ·Rakuten - literally the best. Earn cash back when you shop almost anywhere. Earn $30 (!) when you use our link and spend $30 (can you say free?) - https://www.rakuten.com/r/MELISS62337?eeid=44971 ·Ibotta - cashback on groceries! —> https://ibotta.onelink.me/iUfE/8cc13c64?friend_code=dyiebos ·Fetch Rewards - also for groceries, earn gift cards. Get 2000 points ($2) when you use our link or referral code and upload a receipt. Code - Y9J3B Link - https://fetchrewards.onelink.me/vvv3/referraltext?code=Y9J3B (Please note - any links provided may be referral links, which means we may benefit monetarily if you choose to use them) We are a personal finance podcast that aims to help beginners learn how to budget, evaluate their spending, save, invest, and earn more money. Please tune in weekly for tips to change your financial outlook. *Please note we are not financial advisors and nothing we discuss should be considered advise. This is solely our opinion and any financial decisions should be researched and/or discussed with your financial advisor*

  5. 07/06/2021

    15 - What to Cut Out When You're in Financial Crisis or Saving for a Big Goal

    Today we are talking about how we can get our budget down to bare bones, if we need to! If you are in financial crisis, paying off debt, or working toward a big savings goal, this episode is full of some great ideas to get you thinking about where you can cut back.  Contact us! Instagram - NotRichYetButTrying Email - notrichyetbuttrying@gmail.com Our Favorite Personal Finance Apps and Websites ·Acorns - Get $5 when you sign up through our link - https://acorns.com/invite/UZEVET ·Qapital - Get $5 when you sign up through our link - https://get.qapital.com/vMz3XFRQGeb ·Yotta - Get 100 tickets when you sign up through our link - https://withyotta.page.link/vpYH9LHGQW7L112U7 ·Webull - Get 2 free stocks when you sign up through our link - https://act.webull.com/on/CylnRV5S3tZw/08d/inviteUs/ ·Robinhood - Get 1 free stock when you sign up through our link - https://join.robinhood.com/melisso-515e08 ·Coinbase - Get $10 in Bitcoin when you buy or sell $100 in crypto - coinbase.com/join/oleary_n6x?src=ios-link Our favorite shopping apps for cash back ·Rakuten - literally the best. Earn cash back when you shop almost anywhere. Earn $30 (!) when you use our link and spend $30 (can you say free?) - https://www.rakuten.com/r/MELISS62337?eeid=44971 ·Ibotta - cashback on groceries! —> https://ibotta.onelink.me/iUfE/8cc13c64?friend_code=dyiebos ·Fetch Rewards - also for groceries, earn gift cards. Get 2000 points ($2) when you use our link or referral code and upload a receipt. Code - Y9J3B Link - https://fetchrewards.onelink.me/vvv3/referraltext?code=Y9J3B (Please note - any links provided may be referral links, which means we may benefit monetarily if you choose to use them) We are a personal finance podcast that aims to help beginners learn how to budget, evaluate their spending, save, invest, and earn more money. Please tune in weekly for tips to change your financial outlook. *Please note we are not financial advisors and nothing we discuss should be considered advise. This is solely our opinion and any financial decisions should be researched and/or discussed with your financial advisor*

  6. 06/29/2021

    14 - The Great Resignation: How the Pandemic Has Changed the Future of Work

    Today we are talking about the growing trend of people quitting their jobs. It is undeniable that the pandemic has changed our relationship with our careers and jobs. What will this mean for the future? And what does it mean for us? Contact us! Instagram - NotRichYetButTrying Email - notrichyetbuttrying@gmail.com Our Favorite Personal Finance Apps and Websites ·Acorns - Get $5 when you sign up through our link - https://acorns.com/invite/UZEVET ·Qapital - Get $5 when you sign up through our link - https://get.qapital.com/vMz3XFRQGeb ·Yotta - Get 100 tickets when you sign up through our link - https://withyotta.page.link/vpYH9LHGQW7L112U7 ·Webull - Get 2 free stocks when you sign up through our link - https://act.webull.com/on/CylnRV5S3tZw/08d/inviteUs/ ·Robinhood - Get 1 free stock when you sign up through our link - https://join.robinhood.com/melisso-515e08 ·Coinbase - Get $10 in Bitcoin when you buy or sell $100 in crypto - coinbase.com/join/oleary_n6x?src=ios-link Our favorite shopping apps for cash back ·Rakuten - literally the best. Earn cash back when you shop almost anywhere. Earn $30 (!) when you use our link and spend $30 (can you say free?) - https://www.rakuten.com/r/MELISS62337?eeid=44971 ·Ibotta - cashback on groceries! —> https://ibotta.onelink.me/iUfE/8cc13c64?friend_code=dyiebos ·Fetch Rewards - also for groceries, earn gift cards. Get 2000 points ($2) when you use our link or referral code and upload a receipt. Code - Y9J3B Link - https://fetchrewards.onelink.me/vvv3/referraltext?code=Y9J3B (Please note - any links provided may be referral links, which means we may benefit monetarily if you choose to use them) We are a personal finance podcast that aims to help beginners learn how to budget, evaluate their spending, save, invest, and earn more money. Please tune in weekly for tips to change your financial outlook. *Please note we are not financial advisors and nothing we discuss should be considered advise. This is solely our opinion and any financial decisions should be researched and/or discussed with your financial advisor*

  7. 06/22/2021

    13 - How Social Media is Killing Your Finances

    On today's episode, we discuss the impact social media has on our financial health. Social media has become a normal part of our lives, but it has warped the expectations we have for our lives. With your personal feed, influencers, and advertisements, you are almost constantly exposed, and this can slowly shift to a toxic relationship with social media. The first defense is being aware. Our discussion really helps to reset the mindset we approach social media with.  Contact us! Instagram - NotRichYetButTrying Email - notrichyetbuttrying@gmail.com Our Favorite Personal Finance Apps and Websites ·Acorns - Get $5 when you sign up through our link - https://acorns.com/invite/UZEVET ·Qapital - Get $5 when you sign up through our link - https://get.qapital.com/vMz3XFRQGeb ·Yotta - Get 100 tickets when you sign up through our link - https://withyotta.page.link/vpYH9LHGQW7L112U7 ·Webull - Get 2 free stocks when you sign up through our link - https://act.webull.com/on/CylnRV5S3tZw/08d/inviteUs/ ·Robinhood - Get 1 free stock when you sign up through our link - https://join.robinhood.com/melisso-515e08 ·Coinbase - Get $10 in Bitcoin when you buy or sell $100 in crypto - coinbase.com/join/oleary_n6x?src=ios-link Our favorite shopping apps for cash back ·Rakuten - literally the best. Earn cash back when you shop almost anywhere. Earn $30 (!) when you use our link and spend $30 (can you say free?) - https://www.rakuten.com/r/MELISS62337?eeid=44971 ·Ibotta - cashback on groceries! —> https://ibotta.onelink.me/iUfE/8cc13c64?friend_code=dyiebos ·Fetch Rewards - also for groceries, earn gift cards. Get 2000 points ($2) when you use our link or referral code and upload a receipt. Code - Y9J3B Link - https://fetchrewards.onelink.me/vvv3/referraltext?code=Y9J3B (Please note - any links provided may be referral links, which means we may benefit monetarily if you choose to use them) We are a personal finance podcast that aims to help beginners learn how to budget, evaluate their spending, save, invest, and earn more money. Please tune in weekly for tips to change your financial outlook. *Please note we are not financial advisors and nothing we discuss should be considered advise. This is solely our opinion and any financial decisions should be researched and/or discussed with your financial advisor*

  8. 06/15/2021

    12 - All About Credit Scores and Credit Reports

    Today we are talking about what your credit score means and what factors affect it. Once you understand what actually goes into your credit score, it's easier to start making changes to improve it. Link to Credit Karma - https://www.creditkarma.com/ Contact us! Instagram - NotRichYetButTrying Email - notrichyetbuttrying@gmail.com Our Favorite Personal Finance Apps and Websites ·Acorns - Get $5 when you sign up through our link - https://acorns.com/invite/UZEVET ·Qapital - Get $5 when you sign up through our link - https://get.qapital.com/vMz3XFRQGeb ·Yotta - Get 100 tickets when you sign up through our link - https://withyotta.page.link/vpYH9LHGQW7L112U7 ·Webull - Get 2 free stocks when you sign up through our link - https://act.webull.com/on/CylnRV5S3tZw/08d/inviteUs/ ·Robinhood - Get 1 free stock when you sign up through our link - https://join.robinhood.com/melisso-515e08 ·Coinbase - Get $10 in Bitcoin when you buy or sell $100 in crypto - coinbase.com/join/oleary_n6x?src=ios-link Our favorite shopping apps for cash back ·Rakuten - literally the best. Earn cash back when you shop almost anywhere. Earn $30 (!) when you use our link and spend $30 (can you say free?) - https://www.rakuten.com/r/MELISS62337?eeid=44971 ·Ibotta - cashback on groceries! —> https://ibotta.onelink.me/iUfE/8cc13c64?friend_code=dyiebos ·Fetch Rewards - also for groceries, earn gift cards. Get 2000 points ($2) when you use our link or referral code and upload a receipt. Code - Y9J3B Link - https://fetchrewards.onelink.me/vvv3/referraltext?code=Y9J3B (Please note - any links provided may be referral links, which means we may benefit monetarily if you choose to use them) We are a personal finance podcast that aims to help beginners learn how to budget, evaluate their spending, save, invest, and earn more money. Please tune in weekly for tips to change your financial outlook. *Please note we are not financial advisors and nothing we discuss should be considered advise. This is solely our opinion and any financial decisions should be researched and/or discussed with your financial advisor*

  9. 06/08/2021

    11 - Let's Talk About Debt, Baby

    Today we are talking about debt and the impact it has on our financial freedom. We go over how to break the cycle of paying your minimum payments and continuing to get crushed by high interest rates. We discuss four things you can do today to start getting rid of your debt! Contact us! Instagram - NotRichYetButTrying Email - notrichyetbuttrying@gmail.com Our Favorite Personal Finance Apps and Websites ·Acorns - Get $5 when you sign up through our link - https://acorns.com/invite/UZEVET ·Qapital - Get $5 when you sign up through our link - https://get.qapital.com/vMz3XFRQGeb ·Yotta - Get 100 tickets when you sign up through our link - https://withyotta.page.link/vpYH9LHGQW7L112U7 ·Webull - Get 2 free stocks when you sign up through our link - https://act.webull.com/on/CylnRV5S3tZw/08d/inviteUs/ ·Robinhood - Get 1 free stock when you sign up through our link - https://join.robinhood.com/melisso-515e08 ·Coinbase - Get $10 in Bitcoin when you buy or sell $100 in crypto - coinbase.com/join/oleary_n6x?src=ios-link Our favorite shopping apps for cash back ·Rakuten - literally the best. Earn cash back when you shop almost anywhere. Earn $30 (!) when you use our link and spend $30 (can you say free?) - https://www.rakuten.com/r/MELISS62337?eeid=44971 ·Ibotta - cashback on groceries! —> https://ibotta.onelink.me/iUfE/8cc13c64?friend_code=dyiebos ·Fetch Rewards - also for groceries, earn gift cards. Get 2000 points ($2) when you use our link or referral code and upload a receipt. Code - Y9J3B Link - https://fetchrewards.onelink.me/vvv3/referraltext?code=Y9J3B (Please note - any links provided may be referral links, which means we may benefit monetarily if you choose to use them) We are a personal finance podcast that aims to help beginners learn how to budget, evaluate their spending, save, invest, and earn more money. Please tune in weekly for tips to change your financial outlook. *Please note we are not financial advisors and nothing we discuss should be considered advise. This is solely our opinion and any financial decisions should be researched and/or discussed with your financial advisor*

  10. 06/01/2021

    10 - The Easiest Way to Start Investing

    Today we are talking about the easiest way to start investing. We began our investment journey using Acorns - and simply saving our change and having Acorns automatically invest it for us! Over two years of just saving our change, we have watched our money grow to over $2000. Somewhere along the way, we realized investing was the best thing we could do to improve our financial health, and now we incorporate investing into our finances in many ways! If you have never done it before, this is a great way to get your feet wet. In future episodes, we will teach you how we now view investing after prioritizing it. If your interested in joining Acorns, use our link to receive a bonus! https://acorns.com/invite/UZEVET Link to Danny's Podcast -----> https://linktr.ee/TheNewWolvesOfWallSt  Contact us! Instagram - NotRichYetButTrying Email - notrichyetbuttrying@gmail.com Our Favorite Personal Finance Apps and Websites ·Acorns - Get $5 when you sign up through our link - https://acorns.com/invite/UZEVET ·Qapital - Get $5 when you sign up through our link - https://get.qapital.com/vMz3XFRQGeb ·Yotta - Get 100 tickets when you sign up through our link - https://withyotta.page.link/vpYH9LHGQW7L112U7 ·Webull - Get 2 free stocks when you sign up through our link - https://act.webull.com/on/CylnRV5S3tZw/08d/inviteUs/ ·Robinhood - Get 1 free stock when you sign up through our link - https://join.robinhood.com/melisso-515e08 ·Coinbase - Get $10 in Bitcoin when you buy or sell $100 in crypto - coinbase.com/join/oleary_n6x?src=ios-link Our favorite shopping apps for cash back ·Rakuten - literally the best. Earn cash back when you shop almost anywhere. Earn $30 (!) when you use our link and spend $30 (can you say free?) - https://www.rakuten.com/r/MELISS62337?eeid=44971 ·Ibotta - cashback on groceries! —> https://ibotta.onelink.me/iUfE/8cc13c64?friend_code=dyiebos ·Fetch Rewards - also for groceries, earn gift cards. Get 2000 points ($2) when you use our link or referral code and upload a receipt. Code - Y9J3B Link - https://fetchrewards.onelink.me/vvv3/referraltext?code=Y9J3B (Please note - any links provided may be referral links, which means we may benefit monetarily if you choose to use them) We are a personal finance podcast that aims to help beginners learn how to budget, evaluate their spending, save, invest, and earn more money. Please tune in weekly for tips to change your financial outlook. *Please note we are not financial advisors and nothing we discuss should be considered advise. This is solely our opinion and any financial decisions should be researched and/or discussed with your financial advisor*

  • 10 Episodes

4.9
out of 5
14 Ratings

About

Your how to guide to get your personal finances in order! We are here to help by teaching you the tips we have learned on our money journey (and the mistakes to avoid!). We talk about budgeting, spending, saving, investing, money hacks, and more! This is your beginner guide (and beyond) from people who know what it's like to start with nothing. Whether you're single, married, with kids, or anything in between, we have you covered. This is the beginning of your path to FIRE - Financial Independence, Retire Early

Information

  • Creator
    Danny & Melissa O'Leary
  • Years Active
    2021
  • Episodes
    19
  • Rating
    Clean
  • Copyright
    © Danny & Melissa O'Leary
  • Show Website
    Not Rich Yet But Trying