Journey To Launch

Jamila Souffrant

Jamila Souffrant is a Certified Financial Education Instructor (CFEI), host of the Journey To Launch podcast and author of "Your Journey to Financial Freedom: A Step-By-Step Guide to Achieving Wealth and Happiness".

The Journey To Launch podcast explores all aspects of reaching Financial Freedom; from increasing income, paying off debt, investing, saving & learning how to retire early and wealthy.

The book, "Your Journey to Financial Freedom: A Step-By-Step Guide to Achieving Wealth and Happiness," shows you how to skyrocket your savings, blast through debt and ultimately accelerate your unique and truly epic journey to financial freedom and independence. The audiobook, which is narrated by Jamila, and the eBook are available in the Apple store.

As a money expert who "walks her talk" she helps brave listeners also known as Journeyers; gain clarity around their finances and create an actionable plan to reach their goals. Her mission is to teach, inspire and help others reach Financial Freedom and Financial Independence.

Episodes

Mentioned books

Jan 23, 2019 • 45min

081- Atomic Habits: How Tiny Changes Spark Remarkable Results with James Clear

If you are wondering how it is that you can create better habits in your life and get rid of the habits that you know are holding you back, you are going to love my chat with bestselling author James Clear on his latest book Atomic Habits. The book is a guide on how to change your habits and get 1% better every day. In this episode we discussed: The importance of habits in our lives How meaningful changes yield radical results Why we should focus on identity-based habits vs outcome based habits The framework of Cur, Craving, Response & Reward and how to use it to create good habits and break bad habits Why it's important to take small steps toward building better habits plus so much more Join the Journeyer Launch Club for classes, tools, resources and the community support you need to reach Financial Independence Other related blog posts/links mentioned in this episode: Join The Journeyer 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 James: James's Website Atomic Habits Facebook: James Clear Instagram: @james_clear Twitter: @jamesclear Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group

Jan 16, 2019 • 1h 4min

080- Finding Joy, Wealth & Freedom on Your Journey To Financial Independence with Kerry Ann Rockquemore

In this episode, I'm talking to Kerry Ann Rockquemore from the blog thebestchapter.com. Kerry Ann and her husband were able to retire early at 46 years old and have reached Financial Independence. Through their journey, they have found a way to find joy, wealth and freedom and now Kerry is helping us find the same. In this episode we discussed: What prompted Kerry Ann and her husband to pursue Financial Independence The things they did and implemented to help them on their journey Why Kerry Ann walked away from a job that she loved What the lifestyle is like in the early retirement and what they do on a day to day basis How to plan for a great year and the importance of joy habits plus much more Join the Journeyer Launch Club for classes, tools, resources and the community support you need to reach Financial Independence Other related blog posts/links mentioned in this episode: Annual Planning That Works One Word Why Retire From A Job You Love Vicki Robin interview on the Journey To Launch Podcast Join The Journeyer 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 Kerry Ann: Instagram: @runningintofire Kerry Ann's Website Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group

Jan 9, 2019 • 55min

077 - 2018 Year End Review & How I'm Making 2019 My Best Year Yet (Plus Tips For You To Do The Same)

2018 was a year of major growth and transitions in my business and personal life. I quit my job, had my third baby and jumped feet first into entrepreneurship full-time. In this week's podcast episode, I'm reviewing some of the goals I met in 2018, what I learned this year and what I'm looking forward to in 2019. I'm also sharing tips and strategies that you can apply to your own life and finances so that you can set yourself up for your best year yet too! Join the Journeyer Launch Club for classes, tools, resources and the community support you need to reach Financial Independence In this episode we discuss: What I accomplished and what I learned Things I'm looking forward to and planning for in 2019 How to make 2019 your best financial year yet Other related blog posts/links mentioned in this episode: Check out The Journeyer 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 me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group

Dec 19, 2018 • 52min

076- How We Can Find Strength, Truth, and Joy in Our Relationship with Money with Lynne Twist

We all have some sort of relationship to money. Most of us, unfortunately, are enslaved to money. What if, just by healing our relationship with money, we could transform our relationship in life? In this week's episode, I'm speaking with Lynne Twist, the author of The Soul of Money where we discuss how we can find strength, truth and joy in our relationship to money. In this episode we discuss: The powerful grip that money has on our lives Why budgeting and financial planning is more about wisdom What is the soul and how does it relate to money? What it looks or feels like when a person is in harmony with the way they view, earn and spend money What it means to take a stand and the money will follow How practicing gratitude allows us to receive more in our lives plus so much more Other related blog posts/links mentioned in this episode: Soul of Money Institute: https://soulofmoney.org/ Pachamama Alliance: https://www.pachamama.org/ The online course information is on the "Learn & Engage" page, Lynne suggested you looking at Awakening the Dreamer, Game Changer Intensive and Drawdown: https://www.pachamama.org/engage 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 Lynne: Facebook: The Soul Of Money Institute Twitter: @lynne_twist Instagram: Soul Of Money LinkedIn: lynnetwist Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group

Dec 12, 2018 • 1h 1min

075- An Interview With My Mom & How She Prepared Me To Prosper

This is my most important and special interview to date. It's with my Mom. I talk about her so much on the show and in every interview I do so why not give you the opportunity to hear from her yourself. I give her all the credit for the person who I am today. She put me in this amazing position to prosper despite the fact that she didn't have much and had me as a young mom. In the episode, we talk about: How she had me at 20 years old and had to leave me behind as a baby in Jamaica while she came to USA to look for more opportunities How she made a way for herself in NYC without having any money or knowing much Why she focused on education as a means to get out of poverty The characteristics she instilled in me and the lessons she taught to me growing up The fact that she taught me the importance of saving but never really taught me about managing money The many ways she helped me financially even though it meant sacrificing her own goals Plus so much more This episode was sponsored by Prepare to Prosper a campaigned by Wells Fargo designed to build financial capability and help address the African American wealth gap. To check out their free resources, go to wellsfargo.com/financial-education Also, check out the Journeyer Launch Club to join other Journeyers just like yourself who are on the path to launch to Financial Independence! Other related blog posts/links mentioned in this episode: The doors for the Journeyer Launch club are now open! Join us 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 My One on One Money Coaching Services – Get my personalized 1on1 money coaching expertise to help you reach your financial goals 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

Dec 5, 2018 • 32min

074- The Impact of Income, Privilege & Race on the Path To Financial Freedom

Does your income matter when it comes to being able to reach Financial Freedom/Financial Independence? How big of a role does privilege play in being able to reach your goal and does everyone benefit from having privilege? How do race and socioeconomics play into the wealth journey? I'm talking about these topics on today's episode and would love to hear what you think too. Also, I've been dreaming of, talking about and wanting to create a transformative online community space for Journeyers for a while now and I'm so happy to announce that it's finally here! If you have a desire to reach Financial Independence/ Financial Freedom, enjoy the podcast or appreciate my approach to finances, then you have a place in the Journeyer Launch Club. The Journeyer Launch Club is a community of Journeyers providing the support, accountability, and tools to help each other reach our financial goals and live our best lives. The doors are now open for the BETA launch Perks of joining include: 💥Online Community Vibrant Space 💥Monthly Virtual "Launch" Parties 💥Podcast After-show where we connect with your fav podcast guests and get bonus content from the podcast 💥Online classes on different personal finance topics 💥Plus so much more! Join us in the launch club before the price increases in a few days! Other related blog posts/links mentioned in this episode: Investopedia Article - Which Income Class Are You 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 My One on One Money Coaching Services – Get my personalized 1on1 money coaching expertise to help you reach your financial goals 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.

Nov 28, 2018 • 37min

073- Journeyer Profile Kari Lorz Finding Her Way to Financial Independence While Building a Financial Safety Net For Her Special Needs Daughter's Future

The journey to Financial Independence can be a tough one that is full of ebbs and flows. I believe that it is so important that we share our stories to inspire others that may be experiencing some of the same challenges that we have. That is why I started the Journeyer Profile Series where I'm talking to my listeners and the people in my community about their path to FI. In this week's episode, I'm speaking with Kari Lorz, who is not only making strides towards establishing financial independence with her husband, but she is also building a financial safety net for her 2 year old daughter to fall back on in the case that she cannot do for herself; as she is ailed by Cerebral Palsy. Keep reading and listen to this week's show to learn more about her story. If you would like to be considered to be a journeyer for the Journeyer Profile Series go to www.journeytolaunch.com/journeyerprofile When did you discover FI? I've been really into finance for 4 years, but not until maybe 8 months ago did I discover FI. In the beginning, it was couponing, heavy comparison shopping, then Dave Ramsey, then retirement planning and then I finally found out about FI. Whew! Why are you pursuing FI? What's your WHY? My main goal with FI is to be able to have enough of a financial cushion so I can stop working to help take better care of my daughter and do better self-care. Right now I am frazzled, not healthy, and always worried. I need to do better, I have to do better! My daughter is almost 3 yrs old and since birth she has had significant physical delays, we're almost certain that a diagnosis of Cerebral Palsy will be given. So in talking about FI & my daughter, I need to have more time to help take care of her, specifically, do more home physical therapy, & more hands-on time. Right now it's the typical working mom scenario; laundry, groceries, cleaning, taking care of all the finances, oh and working with an hour commute each way. It's exhausting, so when I am home I'm tired and doing all the regular home stuff, it's hard to do everything and be a physical therapist. I have a great husband and he takes on a lot but he also works full time and is in the National Guard. For Lilia we have also set up an ABLE account, it was originally a college 529 account that we started at birth, but in her situation we decided an ABLE account was better (you can use it for a lot more things than a 529, basically anything that improves her quality of life will count). We're not quite sure what her earning potential will be in the future, so we want to get as much of a cushion as we can for her together to help her. What's your FI number? and/or overall FI goal? (if you don't know input n/a) Lean FI would be $1.2M and fat FI would be $1.8M but I'd feel better with $2 - then we could go to DisneyWorld more! I'd like to also have the ABLE account maxed ($15K per year, up to about $300K). The hard part for us with our FI number, a lot of the retirement income will come from two pensions. My husband has almost reached his 20 years in the Service (he'll get full retirement in two years), and he also works for the State in Child Welfare. So the RE portion of FIRE isn't for us, but the FI part is what we're focused on. Where are you currently on the journey? Debt payoff mode, aggressively saving mode, increasing investments mode? We are in the increasing investment mode. The only debt we have is our mortgage. We do have a few sinking funds set up (vacation, home repair, Lilia's medical needs, and emergency), so immediate and near future needs are taken care of. What are some mistakes, wins and lessons you've learned or gathered along the way to share with other Journeyers? Mistake - Living in a HCOL area, Portland, Or. But we're local, so all our family is here. - Not saving more earlier on was a HUGE mistake of mine. When I was in my 20's I was saving maybe $50 a month in IRA. I never even considered more. I had to money to invest, but I never realized the potential.Win - I am slowly getting into the side hustle game. For a time I was in it, but only very limited (i.e. taste testings, surveys, etc.) Then my overall mantra became "quit majoring in minor things!" So just in the past three months have I been serious about building a side hustle. List the things you are doing to help move forward on your journey (side hustle, cutting expenses, increasing income, moving to LCOL, building up passive income streams, etc.) - side hustle - small optimizations over time = big outcomes - avoiding debt like the plague. - sinking funds! I'd love to have a blog as a passive income stream yet I'm not sure if a blog is for me. What are your plans after FI? What do you ultimately want to do when money is no longer an issue? Spend time with my family, watch a movie all the way through without distractions. (Right now it takes me 4 nights to watch a movie because I always fall asleep, as its late at night. Or I do chores while watching and I don't ever enjoy it). It's really hard for me to sit and do nothing, I feel like I have so much on my plate that I need to constantly be productive. My husband and I really want to travel, we want experiences and not things! "Things" just feel like such a weight, kind of suffocating. I'd love to have more of a minimalist lifestyle. What advice do you have for other Journeyers who want to stay motivated on this journey? Always be learning! I feel that I have missed out on so much because I just "didn't know". I found out about compound interest way too late in the game. Catching up is hard! For my nephew's HS graduation I gave him a DR compound interest chart of Arthur & Ben, and a book on how not to f-up in college financially speaking :). I did tuck a $100 bill in there and didn't tell him, he had to read the book to find it. ha ha I am always trying to learn (which may contribute to my frazzledness as I always want to be implementing new things). So my best advice is to try and spend at least 1 hour a day on learning. I listen to financial and side hustle podcasts on my commute. Too much learning = overload. Take it slow & steady! [bctt tweet="I'm listening to Episode 73 of the #journeytolaunch podcast, Journeyer Profile Kari Lorz Finding Her Way to FI While Building a Financial Safety Net For Her Special Needs Daughter." username="journeytolaunch"] [bctt tweet="Quit majoring in minor things!" username="journeytolaunch"] Other related blog posts/links mentioned in this episode: More about the Able Account - Tax-advantaged savings accounts for individuals with disabilities and their families Unstoppable Blog- Life Lessons The Choose FI Guys interview on the Journey To Launch podcast - The Pillars of FI journeytolaunch.com/episode19 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 My One on One Money Coaching Services – Get my personalized 1on1 money coaching expertise to help you reach your financial goals 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. Get the Financial B.O.S.S. toolkit Connect with Kari: The PDX VA- https://thepdxva.com/ Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group

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