80 episodes

Simplify and Enjoy is a podcast and community focused on helping families have less stress and more options through minimalism and financial independence!

Simplify and Enjoy Elle Martinez

    • Business
    • 5.0 • 7 Ratings

Simplify and Enjoy is a podcast and community focused on helping families have less stress and more options through minimalism and financial independence!

    Investment Portfolio Review: What to Do When It’s a Bear Market

    Investment Portfolio Review: What to Do When It’s a Bear Market

    Worried about how your investments are doing right now? We'll look at how to do a investment portfolio review so that you'll not only feel less stressed but take productive steps to help you invest better!
    Why Investment Portfolio Reviews Are a Smart Move If you've been following the news, especially finances. It can be pretty scary right now. It seems like all the headlines are focused on high gas prices, how inflation is affecting basic goods, and how volatile the market is right now.
    We're in a bear market, which if you're not familiar with the term means that there's been a decline of 20% or more from recent highs.
    While staying on top of the big threads of what's going on is good, being too tuned into the news can backfire. Look, I've been writing about personal finance for almost a decade and a half and I can still get a bit anxious about it.
    This is where doing a portfolio review can help. When we're doing our monthly reviews for our money dates, we get a snapshot of what's going on with our accounts to make sure everything's moving along well. But a few times a year. Around once a quarter for us. We'll also look at our investments more closely.
    It's like a financial checkup. That's beneficial for finances for sure, but believe it or not, our marriage. For us, this is an opportunity to hit pause. Just sit down and really talk about what's been working and what's not working with our family finances.
    We can also take a step back and discuss the big picture about what we want to do in the near future and then longterm. It's a low key, but productive way for us to stay on top of things.
    And I want to show you how you can do it too.
    In this episode, we'll dive into:
    why less is more when it comes to portfolio reviews what questions to ask to make sure you're on track things you can do to improve your portfolio We have a lot to cover. So let's get started!
    Resources to Stay on Top of Your Investments Whether you're new to investing or looking to level up, here are some resources to get your there faster!
    Best Budget and Money Apps: Personal Capital, Tiller, Mint Grab Your Copy: Jumpstart Your Marriage and Your Money Join Our Thriving Families Community on Facebook How to Avoid 4 Bad Investing Habits That Can Destroy Your Nest Egg Unconventional Success A Fundamental Approach to Personal Investment The Simple Path to Wealth What Happens When Stock Markets Become Bears Your 5-Step Guide to Navigating a Scary Stock Market Don't forget you can always send your questions in either through private voicemail or the form here for an upcoming episode!
    Thank You to Our Sponsor Coastal! Support for this podcast comes from Coastal Credit Union! If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today.
    As a credit union, Coastal serves its members first including an annual loyalty bonus.
    We've been members for years and love their service and competitive rates on checking and savings accounts!
    Rollover Your 401(k) Easily with Capitalize We’re grateful for wonderful partners like Capitalize. Not only do they support the podcast, but they help make managing your money so much easier. 
    Did you know that it’s estimated that there are currently over 24 million “forgotten” 401(k) accounts? In fact, the average American changes jobs every 4 years. 
    And because of the Great Resignation, you or someone you know might be changing jobs even more 
    It’s an extreme case of out of sight and out of mind. Is your old 401(k) in there somewhere, left behind at a job you're no longer with?
    One huge benefit with an IRA is you get to choose how your money is invested, not your old employer. 
    If you want to consolidate your old 401(k) and have more options with how you invest, it may be time to roll them over into an IRA.  
    With Capitalize, they handle the process from start to finish – for FREE. Yes, that includes calling the 401(k) provider on

    • 16 min
    Cashing Out: Creating a Flexible Financial Plan That Fits Your Family

    Cashing Out: Creating a Flexible Financial Plan That Fits Your Family

    Looking to pursue financial freedom on your terms? See how Rich and Regular founders Kiersten and Julien Saunder's new book Cashing Out can help you lay out a path!
    Why Your Family Needs a Financial Plan When I mention this idea of having a financial plan, people tend to imagine is only for those who already have some money. But that’s not true.
    There are many families that can benefit from creating a financial plan. 
    Here are a few that come to my mind:
    you’re feeling under-appreciated and underpaid at work you want to have flexibility, leverage, and options when it comes to how you work the pandemic really threw your finances for a loop and you’re looking to get back on track you’re sick and tired of the opportunities (or really the lack of them) that are out there for your family the idea of financial freedom and independence is something that excites you because it means you’ll have more time for the people and projects that matter most to you These are all situations where having a flexible financial plan makes sense. The trouble is that financial plans seem complicated, unattainable, and well, boring. 
    Here’s the thing – you can create one that reflects you. Your situation, your priorities, and your goals.
    Kiersten and Julien from Rich and Regular are on the show to share some thoughtful points and stories from their new book Cashing Out: Win the Wealth Game by Walking Away.
    It offers a framework and path based on key principles in financial independence and retiring early on how to build your family’s finances in a way that opens up options.
    In today’s episode, we get into:
    Why money matters and how to use it in a meaningful way for your family The challenges and triumphs of changing financial habits and mindset Aligning your finances to your priorities Hope you enjoy!
    Resources for Families Interested in Financial Independence If you're looking to get ahead with your finances as a family, here are some resources to check out!
    Best Budget and Money Apps: Personal Capital, Tiller, Mint Jumpstart Your Marriage and Your Money Cashing Out: Win the Wealth Game by Walking Away Rich and Regular Money on the Table Which Financial Independence Path is Right for Your Family? Crafting Your Family’s Plan for Financial Independence Retire Early By Rethinking Your Priorities Join Our Thriving Families Community on Facebook to chat with other families and swap tips and stories about working towards financial independence.
    Thank You to Our Sponsor Coastal! Support for this podcast comes from Coastal Credit Union! If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today.
    As a credit union, Coastal serves its members first including an annual loyalty bonus.
    We've been members for years and love their service and competitive rates on checking and savings accounts!
    Rollover Your 401(k) Easily with Capitalize We’re grateful for wonderful partners like Capitalize. Not only do they support the podcast, but they help make managing your money so much easier. 
    Did you know that it’s estimated that there are currently over 24 million “forgotten” 401(k) accounts? In fact, the average American changes jobs every 4 years. 
    And because of the Great Resignation, you or someone you know might be changing jobs even more 
    It’s an extreme case of out of sight and out of mind. Is your old 401(k) in there somewhere, left behind at a job you're no longer with?
    One huge benefit with an IRA is you get to choose how your money is invested, not your old employer. 
    If you want to consolidate your old 401(k) and have more options with how you invest, it may be time to roll them over into an IRA.  
    With Capitalize, they handle the process from start to finish – for FREE. Yes, that includes calling the 401(k) provider on your behalf. 
    Find out how and get started today! 
    Support the Podcast! Thank you so much for listenin

    • 24 min
    Kids and Money: How to Teach Them About Bank and Investing Accounts

    Kids and Money: How to Teach Them About Bank and Investing Accounts

    Want to help your kids get comfortable and confident with managing their money? Today we’ll talk about giving them a head start by opening up bank and investing accounts with them!
    Helping Your Teen Open a Bank Account and Invest Do you remember your first bank account? I think I was in 6th grade and there was a program with a local bank where they would come in every two weeks or so and open up a school branch in the library. 
    Different grades were assigned a time slot and if your parents had opened an account for you, you could go in to deposit, withdraw, or just check the balance. 
    It was super basic, but let me tell you, everyone was excited. Why? Because it was their money. 
    Later when I started working, my mom and I went to her credit union – she’s a teacher – and I opened my checking account. 
    Each paycheck, I set aside something for savings, something for my checking, and kept the rest for fun. 
    These early lessons didn’t involve a ton of money or anything complicated, but they gave me confidence when it came to finances. 
    Earlier this year we had an episode about essential financial lessons to pass on to your kids. 
    This time I want to move a bit forward from those initial conversations to giving them tools to practice their financial skills such as having a bank and investing account. 
    Today we’ll dive into how to help your kids become financially savvy.
    In this episode, we’ll dive into:
    Why your kid should have a bank account and when to get them started Three types of accounts you can use to help your kid get started with investing Essential investment lessons to pass on Hope you enjoy it!
    Resources to Teach Your Kids About Money If you're looking for ideas and resources to prepare your kids to be money-savvy, here are some to check out! 
    Best Budget and Money Apps: Personal Capital, Tiller, Mint Grab Your Copy: Jumpstart Your Marriage and Your Money How to Teach Your Kids About Money (w/o Being Boring!) The Opposite of Spoiled: Teaching Kids about Money (and More) Cash Crunch Junior: Have fun while learning about money with this board game!  FamZoo: The family money management system we use Goalsetter: Education-based banking for the whole family UTMA vs 529: What is the Difference and Which One is the Best? Can My 16-Year Old Contribute to a Roth IRA? Investing For Kids: How to Give Them a Head Start If you want to chat some more about creating better money habits, questions, or share your own tips please join us over at Thriving Families on Facebook.
    Thank You to Our Sponsor Coastal! Support for this podcast comes from Coastal Credit Union! If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today.
    As a credit union, Coastal serves its members first including an annual loyalty bonus.
    We've been members for years and love their service and competitive rates on checking and savings accounts!
    Rollover Your 401(k) Easily with Capitalize We’re grateful for wonderful partners like Capitalize. Not only do they support the podcast, but they help make managing your money so much easier. 
    Did you know that it’s estimated that there are currently over 24 million “forgotten” 401(k) accounts? In fact, the average American changes jobs every 4 years. 
    And because of the Great Resignation, you or someone you know might be changing jobs even more 
    It’s an extreme case of out of sight and out of mind. Is your old 401(k) in there somewhere, left behind at a job you're no longer with?
    One huge benefit with an IRA is you get to choose how your money is invested, not your old employer. 
    If you want to consolidate your old 401(k) and have more options with how you invest, it may be time to roll them over into an IRA.  
    With Capitalize, they handle the process from start-to-finish – for FREE. They handle the process from start-to-finish, and yes that includes calling the 401(k) provider on your b

    • 16 min
    House Hunting: Tips to Buy a Home in a Seller’s Market

    House Hunting: Tips to Buy a Home in a Seller’s Market

    It's house hunting season, which can be an exciting and yes, stressful time. Living in a sellers market, it can seem like an incredible challenge.
    Today we'll go over how to financially prepare and give you a map on finding a place that you love that's still within your budget!
    Home Buying Tips for a Hot Market If you’re thinking of buying a house, you have to be prepared. Besides being a huge purchase, you have rising interest rates and hot markets that can make it difficult to find a place you love that’s still affordable.
    If you’re a first-time homebuyer or it’s been awhile since you’ve had to house hunt, I want to lift some of the burden.
    Today I’ll give you a high-level view of the buying process so you’ll have an idea of what to expect along with some tips and resources to keep you on track with your big financial picture. 
    In this episode, we’ll dive into:
    Ways you can prepare your finances  What to look for during the house hunt so you’re finding a hidden gem and not a money pit Explain what to consider with your offer and the closing process We have a lot to cover, so let’s get started! 
    Resources on Buying a House If you’re looking to buy, here are some resources to help you find an affordable place you love!
    Best Budget and Money Apps: Personal Capital, Tiller, Mint Jumpstart Your Marriage and Your Money 5 Days to $5K: Free email course on how to find, save, and earn extra money! How to Snag a Great Deal When Buying a House What You Need to Know About Mortgages Thank You to Our Sponsor Coastal! Support for this podcast comes from Coastal Credit Union! If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today.
    See how Coastal can help you with your mortgage needs!
    Rollover Your 401(k) Easily with Capitalize We’re grateful for wonderful partners like Capitalize. Not only do they support the podcast, but they help make managing your money so much easier. 
    Did you know that it’s estimated that there are currently over 24 million “forgotten” 401(k) accounts? In fact, the average American changes jobs every 4 years. 
    And because of the Great Resignation, you or someone you know might be changing jobs even more 
    It’s an extreme case of out of sight and out of mind. Is your old 401(k) in there somewhere, left behind at a job you're no longer with?
    One huge benefit with an IRA is you get to choose how your money is invested, not your old employer. 
    If you want to consolidate your old 401(k) and have more options with how you invest, it may be time to roll them over into an IRA.  
    With Capitalize, they handle the process from start-to-finish – for FREE. They handle the process from start-to-finish, and yes that includes calling the 401(k) provider on your behalf. 
    Find out how and get started today! \
    Support the Podcast! Thank you so much for listening to the podcast! If you enjoyed this episode and found it helpful, here are some ways to support it.
    Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and becoming financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple, Spotify, or Audible. Buy me a cup of coffee! Photo by Daniel Frank

    • 15 min
    Quick and Easy Guide to Streamline and Simplify Your Money

    Quick and Easy Guide to Streamline and Simplify Your Money

    Today we’ll see how you can streamline your finances and easily manage your money! 
    Simplify Your Finances With summer unofficially starting this weekend, I can understand if you’re ready to switch gears and go into vacation mode. However, if you’re willing to set aside an afternoon or evening, you can streamline your finances to have much more time to relax and focus on the big picture. 
    How?
    Last week Bob and Linda shared a framework that I think could be incredibly helpful for busy families. This week I want to break things down so you can go through your finances fairly quickly and arrange things to make it easier to manage for the rest of the year. 
    I’m also happy to have Gaurav Sharma co-founder and CEO of Capitalize, here to explain how you can have your old 401(k)s work for you. 
    In this episode, we’ll dive into:
    An easy and effective way to manage your money Tools that can help you  How to get the most out of your investments Resources for Families Interested in Simplifying Their Finances If you're looking to get ahead with your finances as a family, here are some resources to check out!
    Best Budget and Money Apps: Personal Capital, Tiller, Mint Jumpstart Your Marriage and Your Money Don't forget we have the free course 5 Days to $5K. It's a week-long email course designed to help you find, save, and earn extra cash so you can reach your family and financial goals faster!
    Thank You to Our Sponsor Coastal! Support for this podcast comes from Coastal Credit Union! If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today.
    As a credit union, Coastal serves its members first including an annual loyalty bonus. We've been members for years and love their service and competitive rates on checking and savings accounts!
    Rollover Your 401(k) Easily with Capitalize We’re grateful for wonderful partners like Capitalize. Not only do they support the podcast, but they help make managing your money so much easier. 
    Did you know that it’s estimated that there are currently over 24 million “forgotten” 401(k) accounts? In fact, the average American changes jobs every 4 years. 
    And because of the Great Resignation, you or someone you know might be changing jobs even more 
    It’s an extreme case of out of sight and out of mind. Is your old 401(k) in there somewhere, left behind at a job you're no longer with?
    One huge benefit with an IRA is you get to choose how your money is invested, not your old employer. 
    If you want to consolidate your old 401(k) and have more options with how you invest, it may be time to roll them over into an IRA.  
    With Capitalize, they handle the process from start-to-finish – for FREE. They handle the process from start-to-finish, and yes that includes calling the 401(k) provider on your behalf. 
    Find out how and get started today! 
    Support the Podcast! Thank you so much for listening to the podcast! If you enjoyed this episode and found it helpful, here are some ways to support it.
    Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and becoming financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple, Spotify, or Audible. Buy me a cup of coffee!

    • 25 min
    Simple Money, Rich Life: How One Couple Dumped Debt and Became Financially Free

    Simple Money, Rich Life: How One Couple Dumped Debt and Became Financially Free

    Learn how one couple came together to pay off $400k of debt, become financially free, and give over $1 million!
    Simple Money, Rich Life Let’s start off with some good news: You don’t need a complicated plan to achieve financial independence or freedom. 
    In fact, that’s probably either slowing down your progress or keeping you from even starting.
    I’ve seen and personal experiences how a simple plan can be an effective way to keep you moving in the right direction. 
    Bob and Linda Lotich are on the show today to explain how. They’re the creators of SeedTime and the authors of Simple Money, Rich Life: Achieve True Financial Freedom and Design a Life of Eternal Impact. 
    Linda and Bob are coming on the podcast to discuss how families can reset things and have a rich life.
    I had a chance to read their book and loved how it had s money great takeaways. 
    I thought Bob and Linda did a really good job of balancing the head and the heart with this. You have this story of getting out of debt and showing the bits and pieces, but more importantly, those conversations they were having about the purpose behind this journey.
    Besides working towards financial freedom, the book also examines doing something meaningful with the money, especially on the giving side. 
    In this episode, we get into:
    how Bob and Linda synced up with their finances and goals tactics and strategies they used and recommend to pursue financial freedom creating an easy to manage financial system that allows them to live debt-free and be generous givers Hope you enjoy!
    Resources for Families Interested in Financial Independence If you're looking to get ahead with your finances as a family, here are some resources to check out!
    Best Budget and Money Apps: Personal Capital, Tiller, Mint Jumpstart Your Marriage and Your Money Connect with Linda and Bob: Seedtime Simple Money, Rich Life Why We Began Giving Our Age As a Percentage Should You Have a Giving Fund? Retire Early By Rethinking Your Priorities Setting Up Your Retirement with the Right Tools Mortgage Free Master Plan The New Family Financial Road Map Don't forget we have the free course 5 Days to $5K. It's a week-long email course designed to help you find, save, and earn extra cash so you can reach your family and financial goals faster!
    Thank You to Our Sponsor Coastal! Support for this podcast comes from Coastal Credit Union! If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today.
    As a credit union, Coastal serves its members first including an annual loyalty bonus. We've been members for years and love their service and competitive rates on checking and savings accounts!
    Rollover Your 401(k) Easily with Capitalize We’re grateful for wonderful partners like Capitalize. Not only do they support the podcast, but they help make managing your money so much easier. 
    Did you know that it’s estimated that there are currently over 24 million “forgotten” 401(k) accounts? In fact, the average American changes jobs every 4 years. 
    And because of the Great Resignation, you or someone you know might be changing jobs even more 
    It’s an extreme case of out of sight and out of mind. Is your old 401(k) in there somewhere, left behind at a job you're no longer with?
    One huge benefit with an IRA is you get to choose how your money is invested, not your old employer. 
    If you want to consolidate your old 401(k) and have more options with how you invest, it may be time to roll them over into an IRA.  
    With Capitalize, they handle the process from start-to-finish – for FREE. They handle the process from start-to-finish, and yes that includes calling the 401(k) provider on your behalf. 
    Find out how and get started today! 
    Support the Podcast! Thank you so much for listening to the podcast! If you enjoyed this episode and found it helpful, here are some ways to support it.
    Spread the word! If you enjoyed t

    • 24 min

Customer Reviews

5.0 out of 5
7 Ratings

7 Ratings

Karen Cordaway ,

Great, informative conversations

I get a lot out of listening to this show. I leave with action steps and know I’m not the only one thinking about these issues/topics.

The Chunkasaurus ,

Fabulous!

Fabulous!

Matt Miner, Work Pants Finance ,

Elle serves up the gold in every episode

I’m a long-time fan of Elle’s work every place I find it. In particular I love her book as a personal finance primer. In Simplify and Enjoy Elle shares stories and recommendations for lifestyle design that broaden the subject matter beyond finance content. Thanks Elle!

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