Raggedy Ass Rich

RaggedyAssRich
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🎙️ Raggedy Ass Rich is a real-talk money podcast for people who are getting their finances together without pretending they’ve already “made it.” This isn’t finance bro advice or fake luxury motivation. It’s honest conversations about money, mindset, mistakes, systems, survival, and learning how to move smarter in a world built to keep you broke. We talk budgeting, debt, income, habits, and the emotional side of money. With humor, honesty, and zero judgment. Some episodes are practical, some are reflective, some are just truth you don’t usually hear.

  1. Apr 8

    Building Multiple Income Streams - The Right Way | Raggedy Ass Rich

    Everybody loves to talk about “multiple income streams,” but not enough people talk about what’s actually realistic. In this episode of RaggedyAssRich, we get into the difference between active and passive income, which income streams make sense for regular people, how to start without burning out, and which so-called “opportunities” are really just scams in a cute outfit. No fake guru nonsense, just real strategy.

    20 min

  2. Apr 1

    The Paycheck-to-Paycheck Trap Nobody Warns You About | Raggedy Ass Rich

    Living paycheck to paycheck is not just a “low income” problem, and that’s exactly what makes it such a trap. In this episode of RaggedyAssRich, we talk about why so many people are making more money but still feel broke, how lifestyle inflation and debt keep the cycle going, and what actually helps break it. From building a first emergency buffer to giving every dollar a job, this is a real conversation about creating breathing room before wealth can even begin.

    22 min

  3. Mar 25

    Raggedy Ass Rich | Taxes: What You Need to Know (Without an Accountant)

    Taxes stress people out for a reason. They’re confusing, overwhelming, and full of rules most of us were never taught. In this episode of RaggedyAssRich, we break down tax basics in plain language: tax brackets, deductions, credits, filing statuses, self-employment taxes, common mistakes, and what to do if you owe the IRS. This is the no-fancy-language, regular-people guide to understanding taxes without paying an accountant.

    26 min

  4. Mar 18

    Raggedy Ass Rich | Insurance: What You Actually Need vs. What's a Scam

    Insurance is supposed to protect you, but it’s also one of the easiest places to waste money if you don’t understand what you’re buying. In this episode, we break down the types of insurance most people encounter and talk honestly about which ones are essential, which ones are situational, and which ones are often oversold or misunderstood. This is not about fear-mongering or selling policies. It’s about understanding risk, protecting yourself financially, and not paying for coverage you don’t actually need. We talk about: • Why health insurance is non-negotiable • How car insurance really works (beyond the minimums) •Why renters insurance is underrated and cheap • When life insurance actually makes sense, and when it doesn’t • Term vs. whole life (and why whole life is often oversold) • Extended warranties and “protection plans” • How insurance companies profit from confusion • How to think about insurance as protection, not investment This episode is about being informed, not over-insured, and making choices that protect your future without draining your present.

    18 min

  5. Mar 11

    Raggedy Ass Rich | Credits Scores (What They Don't Tell You)

    Credit scores control more of your life than most people realize. Yet almost nobody explains how they actually work in plain language. In this episode, we break down what credit scores really measure, what they don’t, and why so many people feel stuck even when they’re “doing everything right.” We talk about how credit scoring is designed, how it rewards certain behaviors, and why it often punishes people for being poor, not irresponsible. This is not a lecture and not a “just be disciplined” episode. It’s a real conversation about how the system works and how to move within it without falling for scams, credit repair myths, or unnecessary stress. We cover: • What credit scores are really used for • The five factors that affect your score (and which matter most) • Why paying on time isn’t always enough • The utilization trap and why it hurts so many people • Common credit myths that keep people confused • How to improve your credit realistically, not magically • Why a “good score” doesn’t always mean financial health This episode is for anyone who’s tired of being judged by a number that doesn’t tell the full story.

    20 min

  6. Mar 4

    Raggedy Ass Rich | Building a Business on a Budget (Without the BS)

    You don’t need a logo. You need a CLIENT. This episode is for anybody trying to build income without a big budget, rich parents, or a “startup fantasy.” We’re getting practical about: what you actually need to start (skill, contact method, payment method, first client) how to find your first clients for free pricing without undercharging yourself into misery separating business vs. personal money taxes (yes, set that 25–30% aside)when to invest in your business, and what’s a waste of money early on the real reality of entrepreneurship (not the Instagram version) Start small. Keep costs low. Build something real.

    24 min

  7. Feb 25

    Raggedy Ass Rich | The Soft Life costs Money (Let's Be Real)

    Everyone loves the idea of the soft life. Slow mornings, peaceful homes, self-care routines, and ease. But let’s be honest… That lifestyle costs money. In this episode of RaggedyAssRich, we break down the real financial cost of the soft life, why social media makes it look effortless, and how chasing the aesthetic without a plan can lead straight to debt and burnout. We talk about: What the “soft life” actually costs in real dollars Why the soft life aesthetic is way more high-maintenance than it looks How social media sells a curated fantasy, not real life Whether you can build wealth and live well at the same time How to create a soft life feeling without going broke Why financial peace is the real soft life Practical ways to enjoy life now while still building for the future This isn’t about shaming anyone for wanting nice things. It’s about being realistic, strategic, and intentional with your money so your version of the soft life doesn’t come with stress, guilt, or credit card debt. Because real softness isn’t silk robes and expensive candles. It’s peace, stability, and options.  🎙️If you’re trying to live well and build wealth, this episode is for you.

    20 min

  8. Feb 18

    Raggedy Ass Rich | Money and Relationships (Let's Talk About It)

    Money will expose the cracks in a relationship FAST. In this episode, we talk about the stuff people avoid until it’s too late: • when to have “the money talk” (sooner than you think) • how to bring it up without turning it into a fight • financial compatibility vs. financial control • merging finances vs. separate vs. hybrid (what usually works best) • setting boundaries with family (without guilt eating you alive) • the red flags that should have you rethinking EVERYTHING If you’re building a life with somebody, your finances can’t be a mystery.

    22 min
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About

🎙️ Raggedy Ass Rich is a real-talk money podcast for people who are getting their finances together without pretending they’ve already “made it.” This isn’t finance bro advice or fake luxury motivation. It’s honest conversations about money, mindset, mistakes, systems, survival, and learning how to move smarter in a world built to keep you broke. We talk budgeting, debt, income, habits, and the emotional side of money. With humor, honesty, and zero judgment. Some episodes are practical, some are reflective, some are just truth you don’t usually hear.

Information

  • Creator
    RaggedyAssRich
  • Years Active
    2025 - 2026
  • Episodes
    15
  • Rating
    Explicit
  • Copyright
    © RaggedyAssRich
  • Show Website
    Raggedy Ass Rich