Journey To Launch

Naseema McElroy, is back on the Journey to Launch podcast to update us on how she paid off 1 million dollars of debt in a few years. The creator of Financially Intentional and the Nurses on Fire podcast, Naseema, first shared how she paid off $300,000 in debt as a single mom in episode 16. Now, Naseema is giving us an update on how she's paid off a million dollars of debt since we last spoke and opens up on how she is now living a more balanced life and building her business. After we hear from Naseema, I provide a recap of my experience at FinCon, a conference for content creators in personal finance. This year the conference was in Washington, D.C. and I had the chance to connect with personal finance influencers and Journeyers. In this episode you will learn: How Naseema paid off $1 million in debt About geoarbitrage and how it can help your finances The realities of entrepreneurship life Steps you can take to know if you are built for entrepreneurship What's more valuable than wealth Ways to get into nursing without diving into student loan debt plus so much more Other related blog posts/links mentioned in this episode: Check out the beginning of Naseema's fire journey in episode 16 where as a single mom, Naseema paid off $300,000 in debt in two years. Download her hot new podcast, Nurses on Fire, where you listen to your favorite podcasts. Membership into the Money to Launch Club is currently closed but don't miss out on the next enrollment. Sign up to get on the Money Launch Club waitlist here. Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with Naseema: Website Instagram: @FinanciallyIntentional Instagram: @NursesonFirePodcast Twitter: @FinancialIntent Facebook: @FinanciallyIntentionalBiz Pinterest:@FinanciallyInte Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Money Launch Club

I am answering your most recent submitted money questions on this week's episode of the podcast. In this episode, we dive into a discussion about the types of debt, debt payoff methods, real estate investing, budgeting, and retirement savings. You don't want to miss this good advice that can help you on your journey. In this episode I answer: If you use a home equity line of credit to refinance your loans If it makes sense to take money from your retirement account to pay off debt The difference between secured and unsecured debt How to strategically pay off debt with the snowball or avalanche method Tips on what to do before you start investing in real estate The facts about borrowing from your retirement account How to stay motivated on your journey with the right budget plus so much more Other related blog posts/links mentioned in this episode: Check out this debt repayment calculator to help you decide between the debt avalanche and debt pay off method Membership into the Money to Launch Club is currently closed but don't miss out on the next enrollment. Sign up to get on the Money Launch Club waitlist here. Other great Journey to Launch Podcast episodes you should hear (for the first time or again): Episode 16: How Single Mom Naseema Went From Broke To Paying Off $300,000 in Debt Episode 47: Sylvia's Journey To Paying Off 6 Figures of Law School Debt & Becoming Financially Independent Episode 69: Single Mom Takiia's Amazing Story: How She Went From $100,000 in Debt to $500,000 in Savings Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Money Launch Club

In this week's episode of the Journey to Launch podcast we have Kenishia Mais, a Jamaican entrepreneur, Financial Educator and the visionary who founded ThrivingDollars. Kenishia was always a good saver. She started saving her lunch money in school & kept this habit into adulthood. But when she became the person her parents and other family members came to when they needed money, the pressure of being the family bank was overwhelming. It drove her to abandon her money habits and become a big spender so she wouldn't have money when her family asked for a loan. Listen to this episode to learn how Kenishia turned her life and finances around. She became a self-taught investor at age 21 and is now a financial educator spreading the financial gospel to others through her blog and business, ThrivingDollars. In this episode you will learn: How to manage the burden of being your family's bank Tips to empower family members to solve their own money problems Differences between investing in the United States and Jamaica Ways to invest in retirement and brokerage accounts plus so much more Other related blog posts/links mentioned in this episode: Check out Rich Dad Poor Dad by Robert Kiyosaki, a financial literacy classic Keneisha mentions in her interview. If you want to hear the beginning of this series check out episode 117 featuring Cameron Huddleston, author of Mom and Dad, We Need to Talk: How to Have Essential Conversations with Your Parents About Their Finances. Sign up to the Money Launch Club waitlist to be the first to be notified before anyone else when the doors open. The Money Launch Club is the membership community for Journeyers just like you looking to take their finances and life to the next level. Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with Kenishia Mais: Website Instagram:@ThrivingDollars Personal Instagram:@KenishiaMais Twitter:@ThrivingDollars Personal Twitter:@KenishiaMais Facebook: @ThrivingDollars Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Money Launch Club

This week, Journey to Launch's podcast episode continues the conversation on generational wealth and talking with your family about finances. In this episode, we have a dynamic father and daughter duo, Duane and Taylor Davis of Davis Generational Wealth Education Initiative, Inc. Duane and Taylor have a passion for financial literacy and inspire families and communities to have intergenerational financial conversations. Finances should be fun and inclusive of the entire family. Listen to this episode to learn how to spark money conversations in your family so together you can build generational wealth and develop strong money habits. In this episode you will learn: How to have intergenerational financial talks with your family The importance of estate planning and trusts Tips to help parents talk to their kids about money What is "coaching up" and how kids can talk to their parents about money The impact of the "Black Tax" and how to respond when family ask for money Ways to preserve generational wealth so it lasts Other related blog posts/links mentioned in this episode: If you want to hear the beginning of this series check out episode 117 featuring Cameron Huddleston, author of Mom and Dad, We Need to Talk: How to Have Essential Conversations with Your Parents About Their Finances. Sign up to the Money Launch Club waitlist to be the first to be notified before anyone else when the doors open. The Money Launch Club is the membership community for Journeyers just like you looking to take their finances and life to the next level. Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with Duane & Taylor Davis: Website Instagram:@DavisGenerationalWealth Twitter:@DavisGenWealth Facebook: @DavisGenWealth Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Money Launch Club

This week Journey to Launch's podcast episode features award-winning journalist and author, Cameron Huddleston. With over 17 years of experience writing about personal finance, Cameron recently combined her knowledge and personal experiences in her book, Mom and Dad, We Need to Talk: How to Have Essential Conversations with Your Parents About Their Finances. In this episode, Cameron breaks down how to have difficult financial conversations with your parents. Listen to episode 117 to learn how to get your parents' affairs in order before it's too late. In this episode you will learn: How to talk to your parents about their finances The basics of estate planning and what to do first What questions to ask your parents during "the talk" The importance of setting expectations for you and your parents as they age How to prepare your parents for retirement and long term care Tips in case you need to add your parents to your financial plan Other related blog posts/links mentioned in this episode: Check out Cameron's book, Mom and Dad, We Need to Talk: How to Have Essential Conversations with Your Parents About Their Finances For tools on how to help your parents get organized or identify scams check out Cameron's resources Sign up to the Money Launch Club waitlist to be the first to be notified before anyone else when the doors open. The Money Launch Club is the membership community for Journeyers just like you looking to take their finances and life to the next level. Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with Cameron Huddleston: Website Instagram:@Clebedinsky Twitter:@CHLebedinsky Facebook: @CameronHuddlestonMoneyExpert Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Journeyer Launch Club

This week on the Journey to Launch podcast we have "Money Mitra," the founder of the "Psychology of Spending." Mitra is a money and mindset coach who helps you eliminate money blocks so you can build wealth. She helps you identify the root of your limiting beliefs and money wounds, which are the stories that prevent you from building wealth. In this episode, Mitra shares her powerful story that shaped her journey. She is the daughter of a Southern Black mother born in the small town of Pulaski, Tennessee (infamous for two things: Sundrop and the KKK) and an Iranian immigrant father who came to America during the Iranian hostage crisis with little resources and a lot of ambition. Mitra also hosts "Money Talks," a couch conversation series with a mission to normalize money conversations and help people learn their worth. The Talk Series also tackles how to navigate in our society where social advantage, power, and control influence so many people's journey and financial decisions. Listen to this episode to learn how to overcome your money blocks and define success for yourself. In this episode you will learn: The importance of understanding where you come from and how that affects who you are, your life, and your money scripts What are money triggers and money scripts The psychology of spending How to discover your money story, wounds, and the root of your limiting beliefs about money How to break free of your past and move forward on your financial journey The difference between a scarcity, abundance, growth, and fixed mindset Questions to ask if you want to be your best and most authentic self Other related blog posts/links mentioned in this episode: Sign up to the Money Launch Club waitlist to be the first to be notified before anyone else when the doors open. The Money Launch Club is the membership community for Journeyers just like you looking to take their finances and life to the next level. Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with Money Mitra: Website Instagram:@MoneyMitra Facebook: @MoneyMitra Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Journeyer Launch Club

Journey to Launch is so excited to have Ash Cash Exantus, America's Financial Motivator, on this week's podcast. Ash Cash grew up in the projects of Harlem, New York. In his twenties, thanks to fate and opportunities, he successfully navigated up the corporate ladder in the banking industry and later became the youngest CEO of a federally chartered bank. At 30, Ash Cash threw his own retirement party, left the banking industry, and pursued a full-time career as an entrepreneur, author, speaker, and financial literacy advocate. Some unexpected financial setbacks actually helped Ash Cash refocus and discover his passion to teach financial education. Today, Ash Cash is the Founder and CEO of MindRight Money Management. In his company, he mixes psychology and personal finance to create a culturally responsive--aka dope--approach to teaching financial literacy. In Episode 115 you will learn: The importance of an abundance mindset How to see opportunities in the midst of obstacles What things to consider before becoming an entrepreneur Tips to navigate the ups and downs of entrepreneurship The power of passive income and how to use it to build wealth The correlation between ownership and freedom Other related blog posts/links mentioned in this episode: Ash Cash is a best selling author with several good reads like The Wake Up Call, a book about financial principles based on Jay-Z's 4:44 album, and Mind Right, Money Right. Check out all his books here. Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with Ash Cash: Website Instagram:@IAmAshCash Twitter: @IAmAshCash Facebook: @AshCashExantus Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Journeyer Launch Club

Personal finance expert Kassandra Dasent can relate to people from all walks of life. She went from being $55,000 in consumer debt to being debt-free with a six-figure net-worth. Now she is using her experiences to help you start "minding your money." In this episode Kassandra talks about money, mindset, and emotional well being. This is one episode you don't want to miss. In episode 114 you will learn: The importance of a money mindset and how it can impact your ability to create wealth How to leverage your ability, skills, and experience to earn more What steps to take before combining your finances in a relationship All about the black tax and how it impacts your finances The Four Pillars of Wealth that make you wealthy and whole Remember it's time to sign up to join the Money Launch Club! If you love this episode, join the club and you can hear from Kassandra up close and personal. She is speaking to the members in September and you don't want to miss it. Doors close August 22nd so join now! Other related blog posts/links mentioned in this episode: Join the Money Launch Club Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with Kassandra: Website Instagram:@Kassandradasent Twitter: @Kassandradasent Facebook: MindingYourMoneyKD Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Journeyer Launch Club

This week, we have another bonus episode for you. In episode 113, Josie, a Money Club Launch member shares her debt free story. She was the first in her family to go to college. But then she found herself in student loan, credit card, and auto loan debt. Listen to how she paid off $50k and now is on her way to financial freedom and independence. Along her financial journey, Josie discovered her passion for financial freedom and independence. She became a blogger with the mission to inspire the latino community to improve their finances and live a minimalist life. Now that they are debt free, Josie and her husband are focused on financial planning, saving, and securing their family's future. The day has finally arrived! The Money Launch Club (the membership community to help you reach Financial Freedom & Independence) doors are now open! Join us here MoneyLaunchClub.com before the doors close again in a few days! More About Josie Espinoza Current location (city) Porterville, CA Profession Teacher Josie we are excited to share your story with the Journey to Launch community. Before we dive into your journey, can you tell Journeyers more about yourself? I was born in Mexico, and I am the youngest of 9. I was the first one to get a college degree, but 3 of my older siblings own successful businesses in Mexico. My parents brought me to California when I was 8 years old along with two of my siblings. They have been farm workers ever since, picking different types of fruit depending on the season here in the Central Valley, California. I never went to a babysitter because my parents would take me to work with them on the weekends, school holidays and summers. My first paycheck was from picking grapes one summer. Even though it wasn't easy working in the fields, I still didn't value money. My mom would always say "Money is made to be spent," and that's the mindset I grew up with. In college I had two jobs, bought a car, got my first credit cards, spent all my money, and didn't save a dime. In about 2014, I came across the snowball debt payoff method on Pinterest which then led me to find Dave Ramsey. I started tracking my debt and tried to pay it off but wasn't really focused. Fast forward to July 2018, we got home from a summer trip and had no money because our credit cards were maxed out and my next paycheck wasn't coming for another three weeks. Those three weeks without money were my rock bottom. It was then that I really focused on my finances. We made our finances a priority, we made a budget and stuck with it. Every morning I take a few minutes to check our budget and remind my husband what our goal for the day. For example, sometimes we had a no spend day, no coffee, sell one item, or spend less than $10 goal. I started listening to finance podcasts instead of music and reading every finance book I could get my hands on. Then, I started following the Debt Free Community on Instagram and joined financial independence (FI) groups on Facebook. I also sold a lot of stuff that I wasn't using which led me to become an aspiring minimalist. Currently, we are working on saving 3 months of our expenses in our emergency fund. We have paid off the majority of our debt and only have our mortgage left. We know our financial independence (FI) number and have a plan. We are still spenders but only spend our weekly allowance. I'm fortunate that my husband and I are on the same page when it comes to our finance goals and we hold each other accountable. Thanks to the Journey to Launch Podcast and the Money Launch Club I felt financially stable enough to take a risk and resign from a job that was affecting my mental health. I wish I would have known everything about finance when I started working. I started a blog and an instagram page "Minimalisa Todo" which means minimize everything. My goal is to share my journey as I minimize my financial stress, my clutter at home and my weight. It is in Spanish because I want to inspire the Spanish speaking community. Wow what a journey. Josie what advice would you share with other Journeyers still on the journey to reach their goals? First I would say, write everything down, track your progress, and celebrate the small wins. I am a very impatient person and seeing a visual of where I started and how far I've come gave me motivation to keep going. I also like to celebrate the small wins, things like not buying a coffee in the morning, eating lunch from home three days in a row. My celebrations were always within the budget and sometimes it was silly things like a happy dance or a high five from my husband. Josie, what else motivates you? What's your "Why," or the reason you are pursuing Financial Freedom & Financial Independence? The freedom to spend time with my daughter and my husband is my why. My husband is a truck driver and is always on the road. I want us to spend more time together. One of our crazy goals is for my daughter and I to join him on the road and visit every state where he makes deliveries and gets paid. That's an awesome goal. Josie, what's something you want to improve or change to help you reach your goals? As a family we are working on eating at home. I am also transitioning to a new job and I started my masters to be able to increase my income. What are some things you are doing to help move forward on your journey ? I am still selling things I don't use. I also do audits and secret shopping gigs to earn extra income. I have several apps on my phone that earn me money with little effort. We are tracking every penny that comes in and out of our accounts. So, Josie have you had any wins since joining the Money Launch Club? Since joining the Money Launch Club, I have paid off my debt (minus my mortgage). I also made more informed changes to my retirement account after one of the classes. The FI course opened my eyes to the reality of our situation. I like that I was able to play with the number and see how different habits today could impact my future. What do you enjoy most about the Money Launch Club? I really enjoy the speakers in the Money Launch Club, especially when we are able to ask our questions. I like how it is not very formal and is a welcoming environment. What's something you were surprised to learn on your journey? Everything I know about finance I have found free on the internet. My hairdresser once told me, "In this technology era, not knowing is no longer an excuse." I feel that there are so many free resources on the internet that anyone can change their finances with a little effort. Other related blog posts/links mentioned in this episode: Check out Josie's Website or follow her on Instagram @minimalisatodo. Both are in Spanish to inspire the Spanish speaking community. Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Journeyer Launch Club

Journeyers you are going to love episode 112. In this solo episode, you'll learn about the five stages on the journey to financial freedom and independence. Listen now to see what stage you are in and what practical steps you can take to achieve your financial goals. Find out how to set your goals and take action, so you can experience more freedom now! In this episode you'll learn: The 5 stages to financial freedom and independence How to calculate your Financial Independence number What goals to set at each stage of your financial journey The importance of mindset and habits Sign up for the Journey to Launch free class today! On this virtual webinar, you will learn more about the five stages to financial freedom along with other tips to help you create more freedom in your life today. Learn more about the Money Launch Club here and make sure you join when doors open up again! Other related blog posts/links mentioned in this episode: Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12 Watch my latest segments on News12 YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Journeyer Launch Club