Monday Money Tip

Monday Money Tip Podcast

It is our goal to help you accomplish far more than you ever thought possible with your personal finances, allowing you to do exactly what you have been put on earth to do.

#124: The Power of Automation
About the Episode:  In this episode, we’re discussing the benefits and power of automation. In our Current Money Events segment, we’re sharing ten things you could do to help your finances in the last 46 days of the year. Our success story comes from Ann, who shares how she had a conversation about money with her son that changed how he managed his finances.   Resources: BOOK: 20/20 MONEY: Gaining Clarity for Your Financial Future IWBNIN Ladder Financial Tools0% Balance Transfer Credit Cards TOOL: Annual ...

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#123: How to Choose the Right College
About the Episode:  In this episode, we’re going to provide some pointers on selecting the right college for your child or grandchild. Choosing the right next step is a financial decision, and we want to help.  In our Current Money Events segment, we’re talking about the dash to the end of the year. Our success story comes from a listener who just paid off $263,000 of debt!  Resources: BOOK: 20/20 MONEY: Gaining Clarity for Your Financial Future College Selection Spreadsheet IWBNIN Ladder BOOK: What Ever...

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#122: Gaining Control of the Finances
About the Episode:  In this episode, Joe and Megan interview Jeff and Sabrina, who have an incredible story of redemption, grace and triumph!  Discover practical ways you can start winning with your money.  Hear a success story from a couple who has made the transition from a life of financial uncertainty to living their fully funded life.  This episode has something for everyone! If you’re married or in ministry or have a side-business or have kids, this episode will provide practical steps you can take t...

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#121: How the Debt Snowball Works
About the Episode:  In this episode, we’re explaining how the debt snowball works for paying off debt. Should you focus on the highest interest rate or smallest debt? We’re breaking down how it all works.  In our Current Money Events segment, we’re talking about finding and funding your dreams. Our success story comes from Todd, who shared that after 3 months of attending our Financial Learning Experience, he’s paid off his car loan and has one month's expenses saved up!  Resources: OXEN: The Key to an Ab...

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#120: Saving for KUEs
About the Episode:  In this episode, we’re talking about how you can save for these known, upcoming, but non-monthly expenses or KUEs (as we call them). In our Current Money Events segment, we’re sharing how the Presidential Election will impact your finances. Our success story comes from Julie, who has a renewed perspective on budgeting and is working towards her fully funded life. Resources: OXEN: The Key to an Abundant Harvest Online Study TOOL: Budgeting Templates TOOL: Known, Upcoming, Non-Monthly E...

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#119: When is the Right Time to Purchase a House?
About the Episode:  In this episode, we’re talking about when is the right time to buy a house and what rung of the I Was Broke. Now I’m Not. Ladder you need to be on first. In our Current Money Events segment, we’re giving an update on interest rates and how it affects you. Our success story comes from Aaron, who is experiencing the benefits of paying off debt using the Debt Snowball Technique.  Resources: OXEN: The Key to an Abundant Harvest Online StudyNext Steps: Banking TOOL: Early Pay-Off Calculato...

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#118: We Paid Off Our House in 9 Years - Success Story
About the Episode:  In this episode, Joe interviews Sean, who recently paid off his house! Sean and Laura are completely debt-free!  Discover how Sean paid off his house in only nine years and at the age of 33! Learn how you can become completely debt-free, including your house.   Resources: Debt Tools Early Payoff Calculator Mortgage Payment Calculator IWBNIN Ladder Related Monday Money Tip Podcast Episodes:Episode 18: How to Pay Off Debt Quickly Episode 28: 8 Ways to Speed Up Debt Elimination  Episo...

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#117: Celebrate Along the Way
About the Episode:  In this episode, we’re talking about how to avoid getting discouraged when trying to pay off your debt. Instead, we want to help you finish the goal and celebrate your debt freedom! In our Current Money Events segment, we’re discussing the latest US Government Debt and how you can apply it to your journey of financial freedom. Our success story comes from Dave, who gives us an update on his financial journey and what he’s been able to do with the help of a budget.  Resources: *NEW* Liv...

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#116: 2 Ways to Produce Income
About the Episode:  In this episode, we’re focusing on ways to get paid whether or not you work. In our Current Money Events segment, we’re discussing how the travel industry across the world has been affected by Coronavirus. Our success story comes from Dave, who has been budgeting for over 120 days and has seen significant results from living within that budget.  Resources: *NEW* Live Online Events 20-Day Saving Challenge Next Steps ARTICLE: OECD - Tourism Response to Covid-19  IWBNIN Ladder Related Mo...

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#115: Is Your Coffee Worth $1 Million?
About the Episode:  In this episode, we’re talking about how you can get a million dollars, and the key could be that morning cup of joe! In our Current Money Events segment, we’re discussing what a new stimulus plan would mean and why we believe it hasn’t been passed yet. Our success story comes from Jane, who had a major expense come up but wasn’t worried about paying for it.      Resources: *NEW* Live Online Events 20-Day Saving Challenge Next Steps BOOK: 20/20 MONEY: Gaining Clarity For Your Financia...

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#114: Understanding Opportunity Cost
About the Episode:  In this episode, we’re breaking down the economic principle called “opportunity cost.” This principle essentially means that when you spend money, you lose the opportunity to utilize that money on something else. In our Current Money Events segment, we’re discussing a global view of financial life during COVID-19. Our success story comes from Sasha, who has experienced the benefits of having and sticking with a budget.     Resources: 20-Day Saving Challenge Saving & Investing Tools AR...

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#113: How to (Re)Build Your Credit
About the Episode:  In this episode, we’re discussing ways you can improve your credit score. In our Current Money Events segment, we’re talking about credit lending and how it affects you.  Our success story comes from Daniel and DeeDee, who share some encouragement about their financial journey.   Resources: IWBNIN Online Group StudyBudgeting Tools ARTICLE: Forbes - Denied For 0% APR Offer on A Credit Card? Do This Instead  PDF: 10 Steps You Can Take Right NowAnnual Credit Report Credit SesameCredit K...

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#112: Defining Financial Boundaries with Children
About the Episode:  In this episode, we’re discussing how to define financial boundaries with your adult children who should be supporting themselves. In our Current Money Events segment, we’re discussing the importance of having your financial affairs in order. Our success story comes from David, who has paid off over $45,000 of debt and has newfound freedom!   Resources: IWBNIN Online Group Study Next Steps - Banking LegalZoom.com  Boundaries - Dr. Henry Cloud IWBNIN Ladder ARTICLE: How to Stop Finan...

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#111: Back to School?
About the Episode:  In this episode, we’re discussing what it looks like to go back-to-school, plus how to score great deals on school supplies. In our Current Money Events segment, we’re talking about the value of having an emergency fund.  Our success story comes from Matt and Alaina, who are over halfway to their debt-free goal!         Resources: IWBNIN Online Group Study Next Steps Section IWBNIN Ladder BOOK: What Everyone Should Know About Money Before They Enter The Real World BLOG: Back to School...

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#111: Back to School?
About the Episode:  In this episode, we’re discussing what it looks like to go back-to-school, plus how to score great deals on school supplies. In our Current Money Events segment, we’re talking about the value of having an emergency fund.  Our success story comes from Matt and Alaina, who are over halfway to their debt-free goal!         Resources: IWBNIN Online Group Study Next Steps Section IWBNIN Ladder BOOK: What Everyone Should Know About Money Before They Enter The Real World BLOG: Back to School...

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#110: Investing 101
About the Episode:  In this episode, we’re sharing tips on how to get started investing. In our Current Money Events segment, Joe shares about the value of an expert and how that applies to your finances.  Our success story comes from Pastor Jeff Maness, who shares how he and his wife were able to reach a major financial milestone.            Resources: IWBNIN Online Group Study Saving & Investing Tools IWBNIN LadderBOOK: Oxen: The Key to an Abundant Harvest EBOOK: 5 Basics of Investing  10 Steps You Ca...

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#109: Making Your Student Loans Disappear
About the Episode:  In this episode, we’re sharing tips that can help you eliminate your student loans quicker. In our Current Money Events segment, Joe gives his opinion of some issues that need to be addressed in regards to COVID-19, because this virus is absolutely affecting your money.  Our success story comes from Riley and Annika, who share how they are winning with their money and were able to pay off their student loan debt.           Resources: IWBNIN Online Group Study BOOK: 20/20 MONEY: Gainin...

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#109: Making Your Student Loans Disappear
About the Episode:  In this episode, we’re sharing tips that can help you eliminate your student loans quicker. In our Current Money Events segment, Joe gives his opinion of some issues that need to be addressed in regards to COVID-19, because this virus is absolutely affecting your money.  Our success story comes from Riley and Annika, who share how they are winning with their money and were able to pay off their student loan debt.           Resources: IWBNIN Online Group Study BOOK: 20/20 MONEY: Gainin...

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#108: Financial Teachers You Should Learn From
About the Episode:  In this episode, we’re sharing our biggest personal finance influencers and why you can trust them. In our Current Money Events segment, we’re talking about investing and S&P 500 Index Funds. Our success story is all about the power of budgeting.        Resources: 40-Day Budget ChallengeIWBNIN’s Tools Saving and Investing Tools BOOK: Oxen: The Key to an Abundant Harvest  Joe’s Investments  TOOLS: Budget Templates Recommended Books IWBNIN Ladder Super Cheap Summer Ideas 10 Steps You C...

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#108: Financial Teachers You Should Learn From
About the Episode:  In this episode, we’re sharing our biggest personal finance influencers and why you can trust them. In our Current Money Events segment, we’re talking about investing and S&P 500 Index Funds. Our success story is all about the power of budgeting.        Resources: 40-Day Budget ChallengeIWBNIN’s Tools Saving and Investing Tools BOOK: Oxen: The Key to an Abundant Harvest  Joe’s Investments  TOOLS: Budget Templates Recommended Books IWBNIN Ladder Super Cheap Summer Ideas 10 Steps You C...

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#107: Budgeting With Unpredictable Income
About the Episode:  In this episode, we’re sharing four steps to help you budget if you have irregular income.  In our Current Money Events segment, we’re giving an update on unemployment and how this affects our economy. Our success story comes from Kristi, who is working on Rung #4 of the I Was Broke. Now I’m Not. Ladder and making significant progress.       Resources: 40-Day Budget ChallengeIWBNIN’s Tools Unemployment Weekly Report IWBNIN Ladder TOOLS: Budget Templates TOOL: Known Upcoming Expense Ca...

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#106: Buying and Selling Online
About the Episode:  In this episode, we’re focusing on successfully buying and selling online using Facebook Marketplace and Craigslist. In our Current Money Events segment, we’re sharing an update on air travel. Our success story comes from Hope, who had a huge win with her families’ budget after only budgeting for three months!   Resources: 40-Day Budget ChallengeIWBNIN’s Tools TOOL: Debt Freedom Date Calculator  Super Cheap Summer Ideas IWBNIN Ladder Related Monday Money Tip Podcast Episodes:Episode 5...

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#105: Single Parents & Money
About the Episode:  In this episode, we’re focusing specifically on money tips for single parents. In our Current Money Events segment, we’re discussing cheap vacation ideas for this summer. Our success story comes from Kevin and Sharr, who have been able to make significant strides up the I Was Broke. Now I’m Not. Ladder.   Resources: 40-Day Budget ChallengeIWBNIN’s Tools Super Cheap Summer Ideas IWBNIN Ladder IWBNIN Budget Tools TOOL: Known, Upcoming Expense Calculator  EBOOK: Successfully Managing Mo...

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#104: Security Features of Money
About the Episode:  In this episode, we share security features of money so you can know if you’ve been given a counterfeit bill.  In our Current Money Events segment, we discuss lending restrictions and how the Coronavirus pandemic has played a role in a significant change.  Our success story comes from Pastor Marty, who has been able to climb up the I Was Broke. Now I’m Not. Ladder and fund dreams he never thought were possible.  Resources: Ebook BundleCOVID-19 ResourcesIWBNIN’s Tools Next Steps Section...

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#103: Secret Financial Robbers
About the Episode:  In this episode, we address secret financial robbers that might be stealing money from you.  In our Current Money Events segment, we give another Coronavirus reopening update.  Our success story comes from Samantha, who has been able to change her spending habits and her mindset to take steps towards a fully funded life. Resources: Ebook BundleCOVID-19 ResourcesIWBNIN’s Tools 0% Balance Transfer Credit Cards TOOL: Debt Freedom Date Calculator TOOL: Budgets TOOL: Known, Upcoming, Non-...

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#102: How to Prevent Your Employer From Controlling Your Life
About the Episode:  In this episode, we’re going to discuss steps you can take right now to best position yourself. It is possible to prevent your employer from controlling your life! In our Current Money Events segment, we’re talking about the travel industry starting to rebound from Covid-19. Our success story comes from Char, who took a 90-day challenge to double up paying bills, saving money, and stopping reckless spending.  Resources: Ebook BundleCOVID-19 ResourcesIWBNIN’s ToolsIWBNIN Ladder BOOK: O...

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#101: Choosing a Stock Investment
About the Episode:  In this episode, we’re discussing how to purchase a stock. If you’re interested in how to choose a stock and what steps you need to take, this is the episode for you. In our Current Money Events segment, we’re talking about how to have control of your financial situation during these perilous times. Our success story comes from Garry and Karen, who are winning with their money in a big way during this season.  Resources: BOOK: I Was Broke. Now I’m Not.COVID-19 ResourcesIWBNIN’s ToolsOn...

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#100: 100th Episode - Looking Ahead
About the Episode:  In this episode, we’re reviewing our top episodes and our top takeaways from these episodes.  We’re reflecting on the past two and a half years plus, sharing our hopes and dreams for the next 100 episodes.  Our success story comes from Kenny, who was able to get one month of expenses in order and is now in a much better position through the Covid-19 Recession.   Resources: FEATURED RESOURCE: Ebook BundleCOVID-19 ResourcesIWBNIN’s ToolsTOOLS: BudgetingIWBNIN Ladder Related Monday Money ...

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#99: Fair Money Fights
About the Episode:  In this episode, we’re discussing how to have conversations about money that are productive instead of combative. Learn how to have fair money fights. In our Current Money Events segment, we’re talking about regrets regarding money decisions and how to move forward.  Our success story comes from JoAnn, who has created a system for teaching her grandkids about money using Joe’s book, What Everyone Should Know About Money Before They Enter The Real World.   Resources: BOOK: I Was Broke. ...

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#98: Fire Your Wanter
About the Episode:  In this episode, we’re discussing how to break the cycle saving money and then immediately spending that money leaving you with no margin.  In our Current Money Events segment, we’re updating you on the United States National Debt and how the Coronavirus Pandemic has affected it. Our success story comes from Philip, who’s getting ready to start the last session of the I Was Broke. Now I’m Not. Group Study via Zoom. Resources: BOOK: I Was Broke. Now I’m Not.COVID-19 ResourcesUS Debt Clo...

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#97: Non-Traditional Investments
About the Episode:  In this episode, we’re discussing alternative ways to invest. Learn how you can diversify your investments moving forward.  In our Current Money Events segment, we’re updating you on interest rates (mortgages, savings, and CDs). Our success story comes from Sean and Laura, who were able to save $720 on their car insurance! Resources: BOOK: I Was Broke. Now I’m Not.COVID-19 Resources TOOLS: BudgetingIWBNIN Ladder0% Balance Transfer Credit CardsNEXT STEPS: Online Banks BOOK: Oxen: The K...

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#96: Is Now the Time for a Spending Fast?
About the Episode:  In this episode, we’re joined by guest Sarah Piercy (listen to episode 76), who explains why she did a spending fast (twice!), how it changed her and her family, and what lessons she learned through it. We’ll explain what a spending fast is and if now is the right time to embark on one.  Hear practical steps and encouragement from Sarah if you’re looking to do a spending fast.   Resources: BOOK: I Was Broke. Now I’m Not.United & UntiedCOVID-19 Resources TOOLS: BudgetingIWBNIN Ladder Re...

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#95: Winning With Money During a Recession
About the Episode:  Today, we’re talking about what you need to do with your money during this type of economy since it appears like it’s going to take a while to recover from the Coronavirus Recession.  In our Current Money Events segment, we’re giving an Coronavirus update as it applies to your finances. Our success story comes from all our small business friends who have been able to receive the money from the Paycheck Protection Program.  Resources: Grad SpecialCOVID-19 Resources TOOLS: BudgetingFB Li...

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#94: Foolish Things People Do With Money
About the Episode:  On this episode, we’re sharing foolish things people do with money and how you can avoid them!    With the development of COVID-19, our team had to change the episodes we had initially planned to release. This episode was scheduled for the end of March, but the content was so helpful, we wanted to make sure we released it.   Resources: Grad SpecialCOVID-19 Resources TOOLS: BudgetingIWBNIN LadderFinancial Learning ExperienceEBOOK: Managing Money With a Non-Participating Spouse0% Balance...

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#93: How to Maximize Your CARES Act Cash
About the Episode:  Today, we’re talking about how to maximize your CARES Act (Coronavirus Aid, Relief, and Economic Security Act) cash payments that most Americans will be receiving very soon.    In our Current Events Segment, we’ll share how many banks are offering payment relief for a variety of loans including, mortgage, HELOCs, automobiles, etc. We’re also sharing a gift you could give high school and college students to teach them about money before they enter the real world.  Resources: Grad Specia...

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#93: How to Maximize Your CARES Act Cash
About the Episode:  Today, we’re talking about how to maximize your CARES Act (Coronavirus Aid, Relief, and Economic Security Act) cash payments that most Americans will be receiving very soon.    In our Current Events Segment, we’ll share how many banks are offering payment relief for a variety of loans including, mortgage, HELOCs, automobiles, etc. We’re also sharing a gift you could give high school and college students to teach them about money before they enter the real world.  Resources: Grad Specia...

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#92: Help! I Can't Pay My Bills
About the Episode:  Today, we’re talking about what to do when there just isn’t enough money. What do you do? How do you decide who gets paid first?   We’re also sharing a gift you could give high school and college students to teach them about money before they enter the real world.  Resources: Grad SpecialIWBNIN FB Live: COVID-19 COVID-19 ResourcesTOOLS: BudgetingEBOOK: Help! I Can’t Pay My BillsIWBNIN Ladder0% Balance Transfer Credit CardsVerse: “For we do not have a high priest who is unable to empath...

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#92: Help! I Can't Pay My Bills
About the Episode:  Today, we’re talking about what to do when there just isn’t enough money. What do you do? How do you decide who gets paid first?   We’re also sharing a gift you could give high school and college students to teach them about money before they enter the real world.  Resources: Grad SpecialIWBNIN FB Live: COVID-19 COVID-19 ResourcesTOOLS: BudgetingEBOOK: Help! I Can’t Pay My BillsIWBNIN Ladder0% Balance Transfer Credit CardsVerse: “For we do not have a high priest who is unable to empath...

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#91: COVID-19 & 10 Financial Steps You Can Take Right Now
About the Episode:  Today, we’re going to talk about 10 Financial Steps You Can Take RIGHT NOW in the midst of the COVID-19 pandemic.   We’re also sharing a way you could save $1,000 or more in your budget!  Resources: 20-Day Savings ChallengeIWBNIN FB Live: COVID-19 TOOLS: BudgetingEBOOK: How to BudgetIWBNIN Ladder0% Balance Transfer Credit CardsVerse: “For God hath not given us the spirit of fear; but of power, and love, and of a sound mind.” - 2 Timothy 1:7 Related Monday Money Tip Podcast Episodes:Epi...

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#90: Starting Your Small Business Dream
About the Episode:  Today, we’re answering: “I have an idea for a business. Do you have some steps or tips you recommend for me?”   In our Current Money Events segment, we’re talking about the craziness of the stock market with the spread of the Coronavirus.  Our success story comes from Aaron, who is working to pay off all his debts and will be debt-free within a year and a half (including two car payments)!  Resources: 20-Day Savings ChallengeTOOLS: BudgetingIWBNIN LadderNext Steps: Banking BOOK: OXEN:...

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#90: Starting Your Small Business Dream
About the Episode:  Today, we’re answering: “I have an idea for a business. Do you have some steps or tips you recommend for me?”   In our Current Money Events segment, we’re talking about the craziness of the stock market with the spread of the Coronavirus.  Our success story comes from Aaron, who is working to pay off all his debts and will be debt-free within a year and a half (including two car payments)!  Resources: 20-Day Savings ChallengeTOOLS: BudgetingIWBNIN LadderNext Steps: Banking BOOK: OXEN:...

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#89: Should I Have a Credit Card?
About the Episode:  Today, we’re answering: “Can you share your thoughts about credit cards? I have been listening to Dave Ramsey, and he is really against credit cards. However, most people have credit cards.”   In our Current Money Events segment, we’re talking about spending money on pets. How much should you spend and are you spending more than the average person?  Our success story comes from Casey, who is currently on Rung #5 of the I Was Broke. Now I’m Not. Ladder!!   Resources: 20-Day Savings Chal...

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#89: Should I Have a Credit Card?
About the Episode:  Today, we’re answering: “Can you share your thoughts about credit cards? I have been listening to Dave Ramsey, and he is really against credit cards. However, most people have credit cards.”   In our Current Money Events segment, we’re talking about spending money on pets. How much should you spend and are you spending more than the average person?  Our success story comes from Casey, who is currently on Rung #5 of the I Was Broke. Now I’m Not. Ladder!!   Resources: 20-Day Savings Chal...

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#88: "No" Allows You to Say, "Yes"
About the Episode:  Today, we’re answering: “Following a budget is really difficult because I feel like I am constantly having to say, “No!” to myself - and the rest of my family. Can you help me address this feeling?”   In our Current Money Events segment, we’re talking about the turmoil of the stock market and what you should do.  Our success story comes from Emory, who is debt-free except the house and only 2 years away from being completely debt-free!  Resources: 20-Day Savings Challenge0% Balance Tra...

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#88: "No" Allows You to Say, "Yes"
About the Episode:  Today, we’re answering: “Following a budget is really difficult because I feel like I am constantly having to say, “No!” to myself - and the rest of my family. Can you help me address this feeling?”   In our Current Money Events segment, we’re talking about the turmoil of the stock market and what you should do.  Our success story comes from Emory, who is debt-free except the house and only 2 years away from being completely debt-free!  Resources: 20-Day Savings Challenge0% Balance Tra...

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#87: Joe's Current Investments [2020]
About the Episode:  Today, we’re answering: “Can you tell me how to get started investing?”   We’re also updating you on Joe’s Current Investments. In our Current Money Events segment, we’re talking about special days and how you can keep them from crushing your budget.   Resources: Download Joe’s Current Investments20-Day Savings ChallengeNext Steps SectionTOOL: Known, Upcoming, Non-Monthly Expense Calculator Follow Joe on FacebookCharles SchwabNext Steps: InvestingNext Steps: Banking Verse: “Invest in s...

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#86: Pay Cash for Next Christmas (or a Vacation!)
About the Episode:  Today, we’re answering: “We need your help. We are pretty good at budgeting, but it seems like right when we have started to make progress, an unexpected expense blows up our budget - things like a car repair or an insurance bill that is due every six months. Can you help us figure out how to prevent these issues from messing with our financial progress?”   In our Current Money Events segment, we’re sharing tips that Joe has learned from budgeting for 200 consecutive months.  Our succes...

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#85: Dealing With Financial Anxiety
About the Episode:  Today, we’re answering: “I know it’s important to pay attention to my finances, but it causes me so much frustration, fear, and anxiety. You seem very confident about money. Can you share some tips that will help me become more comfortable dealing with money stuff?”   In our Current Money Events segment, we’re talking about the winter money blues.  Our success story comes from Cynthia, who will be debt free after a 38-month journey!  Resources: I Was Broke. Now I’m Not. Participant Kit...

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#85: Dealing With Financial Anxiety
About the Episode:  Today, we’re answering: “I know it’s important to pay attention to my finances, but it causes me so much frustration, fear, and anxiety. You seem very confident about money. Can you share some tips that will help me become more comfortable dealing with money stuff?”   In our Current Money Events segment, we’re talking about the winter money blues.  Our success story comes from Cynthia, who will be debt free after a 38-month journey!  Resources: I Was Broke. Now I’m Not. Participant Kit...

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#84: Is All Debt Equal?
About the Episode:  Today, we’re answering: “I want to hear your thoughts on debt. Dave Ramsey says, “NO!” to all debt - except for maybe a house. Others say, “Use other people’s money.” I’m so confused. Help!”   In our Current Money Events segment, we’re sharing the updated contribution limits to your retirement accounts and other tax-advantaged investment accounts. Our success story comes from David, who is almost halfway up rung #4 of the I Was Broke. Now I’m Not. Ladder!     Resources: I Was Broke. No...

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#83: Money Saving Tips
About the Episode:  Today, we’re answering: “I just got started with my monthly budget. It is really tight! What are some ways I can save money in my budget?”  In our Current Money Events segment, we’re talking about things people say about money that drive us crazy! Our success story comes from Debby, who paid off her house in less than seven years!    Resources: I Was Broke. Now I’m Not. Online Study Free Financial ToolsSee Our Team LiveCash Envelopes 0% Balance Transfer Credit Cards Next Steps - Insura...

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#82: Maximize Your Tax Refund
About the Episode:  Today, we’re answering: “Every year, I receive a big tax refund. It always seems like a big amount, but somehow it disappears without making the impact I wish or thought it could. Can you provide some tips I could use to  maximize my tax refund?”  In our Current Money Events segment, we’re sharing about good financial habits that you can create as the year is getting started. Our success story comes from Shawn and Jenn, who are completely debt-free going into 2020, minus the mortgage, a...

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#81: How to Prevent Overspending
About the Episode:  Today, we’re answering: “We always start out the month well. We prepare a budget, and it seems like we will be able to have a great month. However, by the end of the month, we’ve overspent the budget again. How do we stop overspending? Help!”  In our Current Money Events segment, we’re updating you on a tax law change that has significant implications.  Our success story comes from Kathy, whose credit score is now over 800!   Resources: 20/20 Money: Gaining Clarity For Your Financial F...

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#80: The Power of Coaching
About the Episode:  Today, we’re answering: “I need help! I get all fired up about making changes to my finances, and I usually get off to a great start. But then something happens, and it feels like we lose all of the progress we have made. How can I get out of this up-and-down cycle?”  In our Current Money Events segment, we’re updating you on the United States National Debt and how you can make a difference.   Resources: 20/20 Money: Gaining Clarity For Your Financial Future  US Debt Clock IWBNIN Ladde...

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#79: Your Best Financial Year Yet
About the Episode:  Today, we’re answering: “I want to make a lot of progress with my finances in 2020. Can you share some tips that could help me get off to a great start?”  In our Current Money Events segment, we’re updating you on banking stats, including mortgage rates, basic saving rates, and CD rates. Hear a success story from Scott, who just became debt-free, including his house! In total, Scott paid-off $263,000! Resources: 20/20 Money: Gaining Clarity For Your Financial Future 0% Balance Transfer...

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#78: Top Money Questions - December 2019
About the Episode:  Today, we’re answering your top money questions from December, including questions about starting a small business, obtaining rental properties, and if purchasing a long-term care insurance policy is a good idea.  In our Current Money Events segment, we’re discussing what you can do NOW to help you achieve your financial goals in 2020. Hear a success story from Ms. Parker, who has been able to make huge progress on her debt elimination journey.  Resources: 20/20 Money: Gaining Clarity ...

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#77: Christmas Money
About the Episode:  Today, our featured topic is: “It’s Christmas time. We’re going to spend some time talking about how to have good money conversations during the holidays.”  In our Current Money Events segment, we’re discussing what it really means when we purchase a gift for someone. Hear a success story from Rick, who has completely turned his financial situation around and is debt-free at the age of 47 years old.  Resources: 20/20 Money: Gaining Clarity For Your Financial Future Tools: Saving & Inve...

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#76: Spending Fast
About the Episode:  Today, we’re answering: “I read an article on your website about a person who went on a spending fast. I thought it was fascinating! Can you talk more about this in an upcoming podcast episode?”  In our Current Money Events segment, we’re talking about Christmas spending since we’re only 9 days away from Christmas. Hear a success story from Nathan, who just wrapped up another small group study at Countryside Church.  Resources: 20/20 Money: Gaining Clarity For Your Financial Future Nex...

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#75: 20/20 MONEY Release Special
Welcome to the Monday Money Tip Podcast! It’s finally here! Joe’s new book, 20/20 MONEY: Gaining Clarity for Your Financial Future, is ready to release. In this episode, we’re talking about the book and what we hope it provides to all who read it. In our Current Money Events segment, we’re giving you an update on the Stock Market. Our success story today comes from Olivia, who was able to get rid of her $137,000 student loan debt.  About the Episode:  Today, we’re talking all about Joe’s new book, 20/20 MO...

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#74: Unique Financial Strategies
About the Episode:  Today, we’re answering: “I like knowing unique and weird hacks - things that are just plain cool to know. It’s true for money too. Do you have any ‘hacks’ or unique money strategies I should know about?” In our Current Money Events segment, we’re sharing a story from Joe’s new book, 20/20 Money: Gaining Clarity for Your Financial Future. Hear a success story from Alan, who was able to lower his credit card debt by switching to a 0% balance transfer credit card. Resources: Next Steps - ...

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#74: Unique Financial Strategies
About the Episode:  Today, we’re answering: “I like knowing unique and weird hacks - things that are just plain cool to know. It’s true for money too. Do you have any ‘hacks’ or unique money strategies I should know about?” In our Current Money Events segment, we’re sharing a story from Joe’s new book, 20/20 Money: Gaining Clarity for Your Financial Future. Hear a success story from Alan, who was able to lower his credit card debt by switching to a 0% balance transfer credit card. Resources: Next Steps - ...

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#73: Top Money Questions - November 2019
About the Episode:  Today, we’re answering your top money questions from November, including questions about investing, paying off debt, credit cards, and retirement.  In our Current Money Events segment, we’re breaking down the phenomenon known as Cyber Monday. Hear a success story from John, who was able to have his auto loan restructured, and the interest rate cut in half.  Resources: IWBNIN - ToolsPre-Sale: 20/20 MoneySee Our Team LiveIWBNIN Ladder Debt Snowball - VideoMMT Podcast - Episode 18: How to...

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#73: Top Money Questions - November 2019
About the Episode:  Today, we’re answering your top money questions from November, including questions about investing, paying off debt, credit cards, and retirement.  In our Current Money Events segment, we’re breaking down the phenomenon known as Cyber Monday. Hear a success story from John, who was able to have his auto loan restructured, and the interest rate cut in half.  Resources: IWBNIN - ToolsPre-Sale: 20/20 MoneySee Our Team LiveIWBNIN Ladder Debt Snowball - VideoMMT Podcast - Episode 18: How to...

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#72: Grateful Money
About the Episode:  Today, we’re answering: “Thanksgiving for the United States of America is happening next Thursday. Can you speak on the topic of gratefulness?” In our Current Money Events segment, we’re sharing a story from Joe’s new book, 20/20 Money: Gaining Clarity for Your Financial Future. Hear a success story from Russell, who went from having $40K in debt to no debt and $29K in savings! Resources: Next Steps - Online Banks Pre-Sale: 20/20 MoneyBudgeting ToolsArticle - 10 Top Habits of Grateful ...

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#72: Grateful Money
About the Episode:  Today, we’re answering: “Thanksgiving for the United States of America is happening next Thursday. Can you speak on the topic of gratefulness?” In our Current Money Events segment, we’re sharing a story from Joe’s new book, 20/20 Money: Gaining Clarity for Your Financial Future. Hear a success story from Russell, who went from having $40K in debt to no debt and $29K in savings! Resources: Next Steps - Online Banks Pre-Sale: 20/20 MoneyBudgeting ToolsArticle - 10 Top Habits of Grateful ...

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#71: The Saving Challenge
About the Episode:  Today, we’re answering: “I can’t really seem to figure out how to save money! We manage to save up a little bit of money, but then something big seems to always happen and take us back to zero. Can you help me figure out how to overcome this seemingly never-ending cycle?” In our Current Money Events segment, we’re updating you on Joe’s new book, 20/20 Money: Gaining Clarity for Your Financial Future. Hear a success story from Rallyn, who just paid off two student loans using the debt sn...

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#70: The Power of Planning
About the Episode:  Today, we’re answering: “I really don’t like dealing with money. It is a very frustrating topic for me. As such, it is hard for me to generate enthusiasm for budgeting and financial planning. Can you help me become as enthusiastic as you are about money?  In our Current Money Events segment, we’re talking about the pros and cons of the elimination of trading fees. Hear a success story from Debby, who paid off her house in less than seven years!   Resources: 0% Balance Transfer Credit C...

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#70: The Power of Planning
About the Episode:  Today, we’re answering: “I really don’t like dealing with money. It is a very frustrating topic for me. As such, it is hard for me to generate enthusiasm for budgeting and financial planning. Can you help me become as enthusiastic as you are about money?  In our Current Money Events segment, we’re talking about the pros and cons of the elimination of trading fees. Hear a success story from Debby, who paid off her house in less than seven years!   Resources: 0% Balance Transfer Credit C...

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#69: Top Money Questions - October 2019
About the Episode:  Today we’re answering your top money questions from October questions about refinancing, book recommendations for kids, financial advisers, and what to do about declining interest rates.  In our Current Money Events segment, we’re talking about some scary money stuff to get you ready for Halloween.  Hear a success story from Mike and Chondra, who were able to handle two large unexpected expenses without moving backward. Resources: IWBNIN - ToolsTime Article - 10 Things You Didn’t Know ...

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#69: Top Money Questions - October 2019
About the Episode:  Today we’re answering your top money questions from October questions about refinancing, book recommendations for kids, financial advisers, and what to do about declining interest rates.  In our Current Money Events segment, we’re talking about some scary money stuff to get you ready for Halloween.  Hear a success story from Mike and Chondra, who were able to handle two large unexpected expenses without moving backward. Resources: IWBNIN - ToolsTime Article - 10 Things You Didn’t Know ...

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#68: Vision and Money
About the Episode:  Today we’re answering: “We keep hearing you mention the new book you are writing. Can you tell us more about it? What topic(s) are you going to focus on?”  In our Current Money Events segment, we’ll give you a Stock Market update. Hear a success story from Michelle, who just completed rung #2 of the I Was Broke. Now I’m Not. Ladder. Resources: Tools - Saving & Investing MMT Podcast - Episode 61  IWBNIN LadderOXEN: The Key to an Abundant HarvestI Was Broke. Now I’m Not.I Was Broke. Now...

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#68: Vision and Money
About the Episode:  Today we’re answering: “We keep hearing you mention the new book you are writing. Can you tell us more about it? What topic(s) are you going to focus on?”  In our Current Money Events segment, we’ll give you a Stock Market update. Hear a success story from Michelle, who just completed rung #2 of the I Was Broke. Now I’m Not. Ladder. Resources: Tools - Saving & Investing MMT Podcast - Episode 61  IWBNIN LadderOXEN: The Key to an Abundant HarvestI Was Broke. Now I’m Not.I Was Broke. Now...

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#67: Great Money Apps
About the Episode:  Today we’re answering: “What are your favorite money apps?”  In our Current Money Events segment, we’re updating you on mortgage rates, basic saving rates, and CD rates. Hear a success story from Michael, who is leading a financial growth small group at his church.     Resources: Next Steps - BankingI Was Broke. Now I’m Not. I Was Broke. Now I’m Not. Online Group StudyI Was Broke. Now I’m Not. Leader Kit Mint.com Schwab.com App Bank of America App Currency App Personal Capital Credit...

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#66: Pay Off Your House - Early!
About the Episode:  Today we’re answering: “How can I pay off my house early? We have a 30-year mortgage. We owe $200,000 at 4%. We just bought the house three months ago. We would really like to pay it off as soon as possible - within 10 years is our dream.   In our Current Money Events segment, we’re discussing why and how you can pull your credit report. Hear a success story from Emily who has a new outlook on her money journey.  Resources: Next Steps - Insurance  Annual Credit Report Check Credit Repo...

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#66: Pay Off Your House - Early!
About the Episode:  Today we’re answering: “How can I pay off my house early? We have a 30-year mortgage. We owe $200,000 at 4%. We just bought the house three months ago. We would really like to pay it off as soon as possible - within 10 years is our dream.   In our Current Money Events segment, we’re discussing why and how you can pull your credit report. Hear a success story from Emily who has a new outlook on her money journey.  Resources: Next Steps - Insurance  Annual Credit Report Check Credit Repo...

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#65: Top Money Questions - September 2019
About the Episode:  Today we’re answering your top money questions from September including how to teach your kids about money, investing, and what automated budgeting tools to use.  In our Current Money Events segment, updating you on the US National Debt and how it affects you.  Hear a success story from Tilicia who has learned to steward the funds she receives better.  Resources: IWBNIN - ToolsUS Debt ClockI Was Broke. Now I’m Not. OXEN: The Key to an Abundant Harvest What Everyone Should Know About ...

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#65: Top Money Questions - September 2019
About the Episode:  Today we’re answering your top money questions from September including how to teach your kids about money, investing, and what automated budgeting tools to use.  In our Current Money Events segment, updating you on the US National Debt and how it affects you.  Hear a success story from Tilicia who has learned to steward the funds she receives better.  Resources: IWBNIN - ToolsUS Debt ClockI Was Broke. Now I’m Not. OXEN: The Key to an Abundant Harvest What Everyone Should Know About ...

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#64: How to Become a Millionaire
About the Episode:  We’re answering the question: “Is it really possible for me to become a millionaire? If so, can you share some ways to become one?”  In our Current Money Events segment, we’re sharing the latest on consumer debt. Hear a success story from David, who avoided new debt by staying committed to his budget even when he had several unexpected expenses.  Resources:  Debt Tools  Article - ValuePenguin MMT Podcast - Episode 63IWBNIN LadderNext Steps - Investing Retirement Nest-Egg Required Cal...

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#63: 0% Balance Transfer Credit Cards
About the Episode:  We’re answering the question: “I receive 0% Balance Transfer Credit Card offers in the mail all of the time. How do these work? Are they too good to be true?”  In our Current Money Events segment, we’re updating you on all the major indexes. Hear a success story from Laura, who was able to make significant progress by moving her debt to a 0% Balance Transfer Credit Card.  Resources:  0% Balance Transfer Credit Cards IWBNIN Ladder Quote of the Day: “You can either OWE or OWN - the diff...

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#63: 0% Balance Transfer Credit Cards
About the Episode:  We’re answering the question: “I receive 0% Balance Transfer Credit Card offers in the mail all of the time. How do these work? Are they too good to be true?”  In our Current Money Events segment, we’re updating you on all the major indexes. Hear a success story from Laura, who was able to make significant progress by moving her debt to a 0% Balance Transfer Credit Card.  Resources:  0% Balance Transfer Credit Cards IWBNIN Ladder Quote of the Day: “You can either OWE or OWN - the diff...

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#62: How Much Money Do I Need to Retire?
About the Episode:  We’re answering the question: “How much money do I need to retire well?”  In our Current Money Events segment, we’re leaking information about Joe’s NEW BOOK.   Hear a success story from Rachel, who was able to pay her mortgage in full and become completely debt-free.   Resources:  Tools - Saving & Investing IWBNIN Retirement Nest-Egg Calculator Voya’s Calculator  Fidelity’s Calculator  Monthly Investment Calculator  Quote of the Day: “There’s never enough time to do all the nothin...

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#61: The I Was Broke. Now I'm Not. Ladder - Explained
About the Episode:  We explain each rung of the I Was Broke. Now I’m Not. Ladder and help you identify the next financial step you need to take. In our Current Money Events segment, we discuss what to do when you have a fear of investing.   Hear a success story from Raquel, who is completely debt-free, including her home.   Resources: IWBNIN Ladder Simple Dollar - 20 Places to Hide Money Next Steps - Investing I Was Broke. Now I’m Not. Book Quote of the Day: “The ladder of success is best climbed by ste...

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#60: Top Money Questions - August 2019
About the Episode:  Today, we’re answering your top money questions from August. We’ll answer questions about investing, wills, and saving money.  In our Current Money Events segment, we’re diving into the inflated cost of real estate.  Hear a success story from Nicki who has been able to save, invest, and pay off her debt.  Resources: IWBNIN - Tools Next Steps - Banking IWBNIN Ladder Next Steps - Wills & Estate Planning ForeTalk: The 7 Critical Conversations for Living in the Season of NowI Was Broke. ...

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#60: Top Money Questions - August 2019
About the Episode:  Today, we’re answering your top money questions from August. We’ll answer questions about investing, wills, and saving money.  In our Current Money Events segment, we’re diving into the inflated cost of real estate.  Hear a success story from Nicki who has been able to save, invest, and pay off her debt.  Resources: IWBNIN - Tools Next Steps - Banking IWBNIN Ladder Next Steps - Wills & Estate Planning ForeTalk: The 7 Critical Conversations for Living in the Season of NowI Was Broke. ...

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#59: Budgeting Tips
About the Episode:  We answer the question: “I keep trying to prepare a budget, but for some reason, I just can’t get it right, so I just give up. Do you have some tips that can help me become good at budgeting?” In our Current Money Events segment, we’re breaking down the cost of raising a child.  Hear a success story from Alexander, who has an incredible testimony of his financial journey that you have to hear to believe.  Resources: Next Steps - Insurance USDA - Cost of Raising a Child Cost of Raising ...

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#58: Fall & Money
About the Episode:  We answer the question: “Can you help me with some tips to help me win with money through the upcoming fall season?” In our Current Money Events segment, Joe gives an update on rates [mortgage rates, basic savings rates, CD rates, and credit card rates]. Hear a success story from Lisa, who experienced a significant change to her family income but did not panic. Resources: Next Steps - Banking IWBNIN Ladder MMT Podcast - Episode 57 Known Upcoming Expense Calculator IWBNIN Tools Quote ...

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#57: Saving For College
About the Episode:  We answer the question: “Can you talk about how to save for college? Please share about the amount we need to save, where to save it, and when to use it.” In our Current Money Events segment, Joe addresses Student Loans and the cost of college.  Hear a success story from Rallyn who has been able to pay off three major bills and is fired up!  Resources: Debt Freedom Date Calculator Stats Provider - College Tuition NEW College Calculator 529 Plans Quote of the Day: “Don’t go to college ...

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#56: Top Money Questions - July 2019
About the Episode:  Today, we’re answering your top money questions from the month of July. Questions today include: getting your spouse on board, where to start when it comes to budgeting, paying off debt, 0% balance transfer credit cards, and retirement investments. In our Current Money Events segment, we’re talking about how to calculate your net worth and why it’s important. Hear a success story from Daniel who has been able to fund his dreams by implementing our money principles.    Resources: IWBNIN...

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#55: Money of Biblical Proportions
About the Episode:  We answer the question: “I heard you speak somewhere recently and you rattled off bible verses like an auctioneer. Could you point me to some of your favorite passages in Scripture that focus on wise money management?” In our Current Money Events segment, Joe addresses the lie that you can’t budget.  Hear a success story from Pastor Jeff about Joe’s book Oxen: The Key to an Abundant Harvest.  Resources: 0% Balance Transfer Credit Card Oxen: The Key to an Abundant Harvest Proverbs 21:...

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#54: The Right Retirement Account
About the Episode:  We answer the question: “I just got my first job, and I have two retirement account options - 401k and Roth 401k. Within them, I have lots of investment options. Can you help me figure out what I should choose?”   In our Current Money Events segment, Joe shares our quarterly stock market update.  Hear a success story from Andy who has been able to tithe, pay off debt, reduce outgoing money, put money into savings, and invest in his future, all with the help of a budget.  Resources: IWB...

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#53: Choosing the Right Insurance
About the Episode:  We answer the question: “I find the world of insurance so confusing. All of the various companies say I can save money by switching to them. Can you help us figure out how to make wise decisions when it comes to insurance providers? Also, it would be great to know what types of insurance I need - and what we don’t need!”   In our Current Money Events segment, Joe shares about how our mini-budget tool can help your family not lose momentum during summer vacations. Hear a success story fr...

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#52: How to Win With Your Money While On Disability
About the Episode:  We answer the question: “I love what you teach, but I find it very difficult to apply all of the knowledge because I am disabled. Because of this, I am limited on how much I’m allowed to save or invest. Could you help me with some practical steps to begin winning with money while on disability?”   In our Current Money Events segment, Joe shares the “Principle of 5 Swings of an Ax.”  Hear a success story from a couple who’s climbing the I Was Broke. Now I’m Not. Ladder, one rung at a tim...

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#51: Top Money Questions - June 2019
About the Episode: Today we’re answering your top money questions from the month of June. Questions today range from credit cards to student loans to refinancing a house. In our Current Money Events segment, we’re giving an update on the U.S. National Debt. Hear a success story from an individual who was able to go on vacation with the help of a budget. Resources:IWBNIN Free Budget Tools Episode 48 IBR: Income-based Repayments PAYE: Pay As You Earn Student Loan Forgiveness Programs Quote of the Day: “M...

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#50: 50th Episode!
About the Episode: We’re celebrating 50 episodes of the Monday Money Tip Podcast and looking back at the best moments.    In our Current Money Events segment, Joe shares our Monthly Stock Market update. Hear a success story from a couple who started tithing for the first time after learning how to budget more effectively, efficiently, and diligently. Resources:Saving & Investing Tools Pay-Off Spectaculars Podcast Episodes IWBNIN Store IWBNIN Ladder Quote of the Day: “The power of persistence is what allo...

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#49: Social Security
About the Episode: Today, we’re answering the question: “What should I know about Social Security, and how will it affect me?”   In our Current Money Events segment, hear the latest on interest rates. Hear a success story from a couple who’s allowing their dreams to help them stay on track when it comes to budgeting. Resources:The United States Social Security Administration IWBNIN - Online BankingIWBNIN Ladder Quote of the Day: “Don’t count on Social Security as your sole source of income during retireme...

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#48: US National Debt
About the Episode: Today, we’re discussing the US National Debt and how we can begin to lower this increasing debt.   In our Current Money Events segment, we will discuss personal debt. Hear a success story from an individual who is now debt free, including their mortgage! Resources:US Debt Clock Household Debt Quote of the Day: “We don't have a trillion-dollar debt because we haven't taxed enough; we have a trillion-dollar debt because we spend too much.” - Ronald Reagan...

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#47 - Top Money Questions - May 2019
About the Episode: Today we’re answering your top money questions from the month of May. Questions today range from financial aid to repossession. In our Current Money Events segment, we will discuss something far greater than “money” - for today is Memorial Day! Hear a success story from an individual who was able to put her money on a mission with a budget. Learn about a home equity line of credit and why you should approach with caution. Resources: IWBNIN Free Budget ToolsEpisode 44Annual Credit Report...

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#46 - Summer and Money
About the Episode: We will share our thoughts on the current real estate market in our Current Money Events segment. Hear a success story from an individual who was able to get on the same page with her spouse and keep from fighting about money. Learn how to keep your finances predictable even during unpredictable times.   Resources: 0% Balance Transfer Credit CardsCNBC Real Estate ArticleCNBC Loan Rates VideoCNBC Housing ArticleRealtor.comIWBNIN Ladder100 Summer ActivitiesKnown, Upcoming Non-Monthly Expe...

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#45 - Graduation - Now What?
About the Episode: Get an all new stock market update in our Current Money Events portion of the podcast. Our success story today comes from an individual who attended a Financial Learning Experience and has already experienced a positive change in her finances. We will share some tips for those graduating high school and college and starting their first jobs. Learn how much you can save year over year simply by packing your lunch.   Resources: IWBNIN Saving and Investing ToolsDow JonesNASDAQNew York Stoc...

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#44 - How To Pay For College
About the Episode: Today we will be sharing some different strategies on how to pay for higher education. Our Current Money Events portion of the podcast will focus on the average amount saved in 529 plans by age group. Hear a success story from an individual who is on track to pay off her debt 14 months early! We will share our recommendation for a 529 plan.   Resources: IWBNIN Next Steps: Banking529 Plan ArticleCollege Savings CalculatorIWBNIN LadderJoe’s Current InvestmentsRegistered Educational Saving...

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#43 - Top Money Questions - April 2019
About the Episode: It’s the last Monday of April! We’re going to answer your top money questions from this month. Today’s questions range from interest on car loans to being laid off to debt consolidation loans. Hear about current unemployment rates in our Current Money Events portion of the podcast. We will share a success story from a couple who was able to lower their cable bill and mortgage interest rate to free up cash for high-interest debt. Learn the difference between term and whole life insurance ...

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#42 - Spring Clean Your Money
About the Episode: We will discuss how to have a debt-free vacation in our Current Money Events segment. Hear a success story from an individual who attended one of our live events and has since paid off his car and saved a months worth of his salary. We will explain some different ways to “spring clean” your finances this season. Learn how to let go of some unnecessary expenses in time for summer. Resources: IWBNIN Next Steps: InsuranceMini-Budget ToolIWBNIN Ladder8 Tips to Spring Clean Your Finances Art...

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#41 - Tax Issues You Should Know
About the Episode: In our Current Money Events segment, we will discuss historical growth in the stock market. Hear a success story from a group that participated in our small group study and saved over $10,000 and paid off over $14,000 in debt. We will share the top two or three things that you should pay attention to when it comes to taxes. Resources: IWBNIN Debt CalculatorsCompound Annual Growth CalculatorIWBNIN Group StudyPaycheck City Calculator Quote of the Day: “The only difference between death a...

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#40 - Money Inspiration
About the Episode: We will give you a quarterly update on current mortgage, saving and CD rates. Hear a success story from an individual who got a renewed perspective on budgeting and a kick-start on her financial freedom journey. Learn ways to stay inspired while on your money journey. We will explain the importance of calculating your net worth at least annually. Resources: 0% Balance Transfer Credit CardIWBNIN Next Steps: BankingIWBNIN LadderDebt Snowball VideoNet Worth Calculator...

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#39 - "Fool"ish Money Mistakes
About the Episode: We will talk about tax day in our Current Money Events segment. Hear a success story from an individual who used a 0% balance transfer credit card for debt relief in her money journey. We will share some of the most foolish money mistakes that people make. Learn how an online savings account can help your money work for you. Resources: IWBNIN LadderIWBNIN Next Steps: BankingMini-Budget ToolMaximize Your Tax RefundBudget Challenge0% Balance Transfer Credit CardIWBNIN Next Steps: Investin...

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#38 - Top Money Questions - March 2019
About the Episode: Get an update on the U.S. National Debt and find out how you can help reduce the deficit. Hear a success story from an individual who got her priorities in order and now has a vision for her future. We will be answering your top money questions from the month of March. Today’s questions range from credit cards to emergency funds to bankruptcy. Learn the Rule of 72 and how it relates to the growth of your investments. We will explain what dollar-cost averaging is and how it benefits you a...

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#37 - Joe's Current Investments
About the Episode: Hear a stock market update in our Current Money Events segment. We will share the “Joe Sangl” approach of how to diversify income. Hear a success story from an individual who created financial margin in her life and forgot it was payday. Resources:IWBNIN Saving & Investing ToolsOxen BookSocial Security CalculatorNet Worth CalculatorCharles Schwab Quote of the Day: “The Bible says in 2 Corinthians 9:6 that if you sow generously, you will reap generously. If you sow sparingly, you will re...

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#36 - Bite-Sized Debt
About the Episode: Learn about the median and average debt payments in America. Hear a success story from an individual who cut the fat in her budget by looking at things differently and not being afraid to ask for a better deal. We will discuss how to make debt more manageable and create a plan of attack by breaking it down into bite-sized pieces. Resources: Debt Freedom Date CalculatorAmerican Housing SurveyAverage Student Loan PaymentCredit Card News ArticleCredit Card Minimum Payment CalculatorAnnual ...

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#35 - 15 Words That Describe Budgeting
About the Episode: In our Current Money Events segment, we will discuss how to spring clean your budget. Hear a success story from an individual who was able to prevent debt during multiple financial emergencies this month. Learn how to begin associating words and phrases such as “freedom giver” and “money maximizer” with the budgeting process. Resources: IWBNIN Free CalculatorsAnnual PlanIWBNIN Budget Tools Quote of the Day: “Budgeting is telling your money where to go instead of wondering where it went....

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#34 - Top Money Questions - February 2019
About the Episode: Joe discusses real estate and home prices in our Current Money Events segment. Hear how budgeting for just ONE month changed a listener’s life forever. Joe and Megan will answer your top money questions from this month. Resources:IWBNIN Tools Market Trends Article U.S. Census Bureau Median and Average Home Prices IWBNIN Ladder Social Security Administration IWBNIN Next Steps: Investing Investment Value Calculator Oxen Joe’s Blog Quote of the Day: “The man who asks a question is a fool...

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#33 - How to Never Have a Car Payment
About the Episode: Joe and Megan will share what you can do in order to never have another car payment. Get an update on the stock market in our Current Money Events segment. Hear a success story from Diane, who paid off all her debts including her mortgage. Hear how depreciation can (and will!) affect your vehicle’s value. Resources: I Was Broke. Now I’m Not. Oxen Book Known, Upcoming Non-Monthly Expenses Calculator CarFax Article Investment Value Calculator Quote of the Day: “If you think no one cares ...

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#32 - How to Have a Debt-Free Vacation
About the Episode: Joe and Megan share how you can have a debt-free vacation in 2019. Get a tip from Joe to eliminate an expense and redirect to savings for a future vacation. In our Current Money Events, Joe gives an interest rate update for mortgage rates, savings rates and CD rates. Hear a success story about how a budget became a path to freedom for one of our listeners. Resources:IWBNIN Next Steps - Banking Known, Upcoming Non-Monthly Expense Calculator Mini-Budget Tool Quote of the Day: “A change of...

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#31: Maximize Your Tax Refund
About the Episode: Hear a success story about a man who has paid off three medical bills since attending a Financial Learning Experience. Get advice from Joe and Megan on what you should do with your tax refund this year. Joe shares how you can use our Mini-Budget Tool to make decisions about your tax refund. Resources: IWBNIN Next Steps IWBNIN Ladder Mini-Budget Tool Quote of the Day: “When you tell your money where to go, you’ll never have to wonder where it went.” Email [email protected] to ask questions...

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#30: Top Money Questions - January 2019
About the Episode: Joe shares the importance of having a clear financial vision for your future. Hear a success story from a woman who previously relied on bank overdrafts to make it from month to month. Joe will answer rapid fire questions asked by you! These questions range from payday loans to how credit scores work. Resources:IWBNIN Free Tools Mortgage Payment Calculator Email [email protected] to ask questions or share success stories....

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#29: All About Budgeting
About the Episode: Hear some alarming statistics about the average car payment. Megan shares an exciting story from one of our last Budget Challenge participants. Joe shares how you can become good at budgeting. Learn the key to budgeting with irregular income. Resources:IWBNIN Next Steps - Insurance Average Car Payment Article Budget Tools Budget Challenge Quote of the Day: “The plans of the diligent lead to profit, as surely as haste leads to poverty.” - Proverbs 21:5 Email [email protected] to ask quest...

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#28: 8 Ways to Speed Up Debt Elimination
About the Episode: Joe shares how you can carry your New Year's resolutions throughout the year by focusing on your daily habits. Joe and Megan discuss eight specific things you can do to gain significant traction in your debt payoff journey. Hear a success story from participants of our last Savings Challenge who saved $6,000 in their annual budget. Resources:0% Balance Transfer Credit Cards Annual Plan Tools Budget Challenge Savings Challenge Episode 26 Episode 27 Salary.com Quote of the Day: “I’ve ne...

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#27: Sustaining Goals
About the Episode: Hear how you can create and actually sustain goals in 2019 by celebrating milestones along the way. Megan shares a success story from Michael who paid of $70,000 in credit card debt. Joe shares the importance of meeting with a financial coach, sharing your journey and being a continual learner. Resources: IWBNIN Next Steps Upcoming Events Oxen Mint Personal Capital Quote of the Day: “If you discover ways to sustain good financial decisions over years, even decades, you’ll never lack fo...

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#26: Christmas 2018 Special
About the Episode: Joe shares each of the categories in which you should set goals for 2019. Hear a very special success story that relates directly to the Monday Money Tip Podcast. Learn how to balance striving for future goals and being happy with what you currently have. Resources: Annual Plan Tools Budget Tools Quote of the Day: “But godliness with contentment is great gain. For we brought nothing into the world, and we can take nothing out of it. But if we have food and clothing, we will be content w...

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#25: Getting Prepared for 2019
About the Episode: Joe shares what you can do in order to make 2019 your best year financially. Megan and Joe discuss the importance of setting goals in 5 different categories for the new year. Hear a success story from a woman who is experiencing her first-ever debt-free Christmas. Resources:IWBNIN Next Steps Known, Upcoming Expenses Calculator Ally Bank Marcus Bank Discover American Express Personal Capital Mint Annual Plan Tool Quote of the Day: “You never have to recover from a great start!” - Ken Fr...

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#24: How to Have a Debt Free Christmas
About the Episode: Joe shares alarming information about the U.S. National Debt. Megan shares a success story about a couple who created their first ever budget without an argument. Joe explains what you can do in order to have a debt-free Christmas this year. Resources:IWBNIN Next Steps IWBNIN Upcoming Events Christmas Mini-Budget Quote of the Day: “Without a PLAN and a PROCESS, you won’t make PROGRESS.” - Pastor Ken Murphy, Cypress Church Email [email protected] to ask questions or share success stories....

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#23: Roth vs. Traditional IRA
About the Episode: Hear Joe answer a question about whether to choose a Roth or Traditional 401k at work. Joe shares information about current mortgage rates, savings rates and CD rates. Megan shares a success story about a woman who gained traction in her debt freedom journey by using a 0% credit card transfer. Resources: Quote of the Day: “Whether you choose Roth or Traditional, what is most important is that you actually choose one and invest! BOTH are great decisions for your financial future.” - Joe ...

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#22: Investment Fees
About the Episode: Hear Joe answer the question, “I have investments and pay 1.35% in fees. What do you consider to be an acceptable amount to pay in fees? Should I ditch this investment for something lower cost?” In our Current Money Events segment, Joe will share how you can make sure that you are prepared for your Christmas spending. Hear how a budget helped a couple pay off $45,000 in credit card debt. Resources: Quote of the Day: “There is no harvest if you do not invest.” - Joe Sangl Links:IWBNIN To...

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#21: Making a Good Investment
About the Episode: Hear Joe answer the question, “What things do you look at when investing to determine if it looks like a good deal or not?” He explains his process in looking at things such as the companies profitability and price to earnings ratio. Get some important information about mortgage rates and bank savings rates. Megan shares a success story about a person that found hope in their money journey. Joe shares some helpful tools that you can use if you are new to investing and want to learn more ...

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#20: 5 Basics of Investing
About the Episode: Joe gives some practical ways to start investing. Joe explains the concept of 5 Year Buckets and how it relates to investing. Hear a success story from a couple who is on their way up the I Was Broke. Now I’m Not. Ladder and are beginning their own investments. Joe explains how compound interest doesn’t always have to work against you. It can actually be your new best friend! Resources: Quote of the Day: “OCTOBER: This is one of the peculiarly dangerous months to speculate in stocks.  T...

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#19: Is All Debt Bad?
About the Episode: Joe answers the question, “I have debt but is there a such thing as good debt or is all debt bad?” Joe shares some interesting statistics from the Motley Fool. Hear a success story about a woman who started using our tactics 8 years ago and now has a net worth of $1,000,000. Joe shares a tool that can be useful for you in your financial journey. Resources: Quote of the Day: “Build financial margin up during PEAK times so it can help cover you during WEAK times.” -Joe Sangl Links:Motley ...

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#18: How to Pay Off Debt Quickly
About the Episode: Joe answers the question, “I have three credit cards, one with a $17,000 balance and the other with a $12,000 balance. Both probably have about a 15% interest rate. The third credit card has about a $3,000 balance and no interest for another year. Which should I be paying off first?” Hear a success story from Crystal who paid off her student loan 9 years early. Joe explains the concept of the debt snowball and why he’s such a big fan of this technique. Joe explains how 0% Balance Transfe...

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#17: How to Handle Marriage & Money
About the Episode:  Joe shares staggering statistics about the cost of raising a child to age 18. Hear a success story about a couple who was ready to throw in the towel but remained faithful during their process. Megan has some quiet ways that you can win with your money even with a non-participating spouse. Get some tips from Joe about good ways that you can talk to your spouse about your hopes and dreams. Resources: Successfully Manage Money With A Non-Participating Spouse eBook Quote of the D...

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#16: How to Get My Spouse On Board
About the episode: Hear Joe answer the question “My biggest challenge is getting my husband on board. We have been married for 23 years. We have never agreed about money. Tonight, we struggled just talking about basic principles. We are already stuck on Rung 1 - The Plan. I am a planner. What do I do?” Joe talks about the current costs for college tuition. Get tips on how to get on the same page as your spouse when it comes to your hopes, dreams, and finances.   Hear a success story about a couple t...

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#15: What Type of Insurance Should I Have?
About the Episode: Joe talks about other important types of insurance besides car, home and health insurance. Joe and Megan share their tips for staying on budget this summer while also entertaining the kids. Hear a success story from Kathy who has made some changes in regards to her insurance and credit card debt. Joe shares a shocking statistic in regards to the odds of becoming disabled. Resources:MMT Podcast: Episode 7 MMT Podcast: Episode 8 IWBNIN Ladder 0% Balance Transfer Credit Cards Quote of the...

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#14: Whole vs. Term Life Insurance
About the episode: Joe shares important information regarding mortgage rates and bank savings rates. Hear a success story about a couple who implemented our program for just one month and are saving while tackling debt. Joe will answer the question, “With a newborn daughter at home, I know it is important to look into life insurance.  Do you suggest term or whole? What limits should I be looking for?”. Joe explains the importance of having life insurance on a stay-at-home spouse.   Resources: I ...

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#13: The Must Have Legal Documents
About the episode: Joe interviews Stan Craig [pastor, Bible teacher, financial professional, and the Executive Director of a non-profit foundation] and he explains the four legal documents we need to express our final desires. Get tips on how to initiate a conversation with your loved ones to make sure they have plans in place. Hear Stan’s thoughts on the importance of leaving behind letters to the special people in your life in addition to any legal documents.   Resources: ForeTalk: The 7 Critical...

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#12: Is Estate Planning Necessary?
About the episode: Hear Joe’s thoughts about the current U.S. National Debt. Joe answers an important question about the importance of estate planning. Get tips on making sure your financial affairs, businesses or intellectual property, possessions and even pets are included in your final wishes.   Resources: ForeTalk: The 7 Critical Conversations for Living in the Season of Now [Online Course + Book] Quote of the Day: “It is hard to let your wishes be known when you are dead.” - Joe Sangl Links: ...

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#11: Should I Pay For My Child's College?
About the episode: We’ll dive even deeper into the conversation of College and money. Joe answers the question, “How do I balance helping my child pay for college while still teaching them financial personal responsibility?” Joe shares his own success story of his daughter, Malea, as she prepares for college this coming fall. Joe and Megan give a Memorial Day tribute. Resources: Quote of the Day: "Start children off on the way they should go, and even when they are old they will not turn from it...

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#10: How Can My Kids Avoid Student Loans
About the episode: We’ll talk about how to get yourself or your kids financially prepared for college tuition. Joe answers the question, “How can my kids avoid student loans?” Hear a success story from Dustin who changed his family’s financial future through budgeting and a college plan. Get tips on ways to save money on summer vacation. Resources: Quote of the Day: "A good person leaves an inheritance to their children’s children.”- Proverbs 13:22 Links: Mini Budget Tool Be Recruited - College...

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#9: Tithing - Gross vs. Net Income
About the Episode: We dig even deeper into the topic of generosity and how it is the game changer in the journey to financial freedom. Joe answers the question “Should I give out of my gross or net income?” Joe discusses the current market turmoil Hear Valerie’s success story of how she saw God at work in her finances. We’ll do a quick Q&A of our most asked questions on giving. Resources: Quote of the Day: “Tithing is ownership of your faith. Sacrificial giving is ownership of the future.”- Marty Benton L...

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#8: How to Talk Your Kids About Money
About the Episode: We’ll dive even deeper into how to teach kids about money. Joe answers the question, “How honest should I really be with my kids about our financial situation?” Hear a true success story from Diane and how her family changed the course of their financial future. We’ll discuss the current market situation and how to stay the course in your investments. Be encouraged wherever you are in your journey toward financial freedom. Resources: What Everyone Should Know About Money Before They Ent...

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#7: How to Teach Your Kids About Money
About the Episode: We’ll talk about how to train kids up to have financial understanding and confidence. Joe answers the question, “ How do I teach my kids a healthy, wise view of money?” Hear Kelley’s success story of how she got her kids excited to pay down debt as a family. Get practical steps on how to teach age-appropriate money lessons to your kids. Resources: Quote of the day: “Train up a child in the way he should go and when he is old, he will not turn from it.”- Proverbs 22:6 Links: IWB...

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#6: Finding Strength: How to Overcome Today
About the Episode: Joe interviews Pastor and Author, Mindy Ross, and talks about her new book, Finding Strength: How to Overcome Today Mindy shares her deeply personal journey of finances, adoption, and life challenges as her family took major steps of faith. Learn the key decisions that helped Mindy’s family walk into financial freedom. Hear how margin and rest play a crucial role in the Ross family. Finish this episode feeling encouraged, full of faith, and strengthened for the challenge you face today. ...

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#5: How To Live Generously While Still In Debt
About the Episode: We’ll dive into the topic of living generously while pursuing financial freedom. Joe answers a very common question on giving- “How much should I give to my church when I’m still paying on debt?” Hear a real success story of how Vanessa got her financial priorities in order and found freedom. Joe shares about his own journey to generosity.   Learn how to handle the weight of competing financial decisions. We’ll discuss some practical ways to give. Resources: Quote of the Day: “Never buy...

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#4: The Non-Financial Benefits of Saving Money
About the Episode: We’ll dive deep into the non-financial benefits of saving money. Joe gives very practical answers to the question “What types of accounts should I use for my savings?” Hear a success story from a listener who benefited from having savings when she needed it most. Co-host Megan gets personal on how savings helped her take a big step of faith. Resources: Quote of the Day: “Build financial margin up during PEAK times so it can help cover you during WEAK times.” - Joe Sangl Links: Joe’s Re...

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#3: The Priority of Saving
About the episode: We'll talk about why saving is a MUST in your financial plan. Joe answers the question "How can I make savings a priority when I’m paying off debt?" Find out how to maximize your tax return. Learn about the secret weapon to financial freedom- the IWBNIN Ladder. Joe shares his thoughts on the wildly popular bitcoin and cryptocurrency. Resources: Quote of the Day: “You cannot PROSPER if you do not SAVE.” - Joe Sangl Links:The IWBNIN Ladder How to Maximize Your Tax Refund- Blog How to Max...

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#2: Budgeting On Irregular Income
About the episode: We’ll tackle the topic of irregular income and budgeting. Joe answers the question “How do we make a budget when we don’t know what our income will be every month?” How to tackle the Christmas credit card bill. Joe shares his own success story of budgeting and winning with money while having an irregular income. Learn about the IWBNIN ladder Get tools to help you stop living paycheck to paycheck Resources: Quote of the day: “You can.” -Joe Sangl Links:0% Balance Transfer Credit CardsMon...

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#1: Creating a Budget That Actually Works
About the episode: We'll talk about why the budget is so essential. Joe answers the question "How do I create a budget that actually works?" Set your financial goals for 2018. Get a list of budgeting tips that have personally helped Joe and his family win with money. Hear Joe tell how to increase income and decrease outgo. Resources: Joe encourages everyone to prepare a list of financial goals for the year. Income goal Giving goal Saving goal Investing goal Debt Reduced goal Quote of the day: “ If you c...

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#0: Introduction
Welcome to the Monday Money Tip Podcast! In this episode, we'll tell you everything to expect in upcoming episodes from budgeting, debt, savings, to having the best financial year yet....