Price of Avocado Toast

Today we celebrate the five year anniversary of the Price of Avocado Toast Podcast. The original production of this show was simply a way to document our own debt-free journey and it has turned into a truly transformative experience. Thank you to every single one of you for being a part of our journey over the last five years. Cheers to FIVE whole years, Toasties!   MENTIONED IN THIS EPISODE: Empo...

In today's episode we dissect some of the bad, awful, and downright dangerous advice we have seen on personal finance. We tell you why we think it isn't wise and what we recommend instead. You'll hear our ideas about how to tackle debt sustainably and what we really think about the FICO score. Enjoy!   In this episode, we chat about: Debt payoff emotions Credit card habits The FICO conundrum   MEN...

On today's episode we're giving you the step by step priority list for which debts to tackle first. This is not the strategy you chose to get debt-free; this is the playbook for when life hits the brakes you need to triage some stuff. This is a common situation and one that can be really tense without guidance, so our hope is that you hear our voices in your brain if you ever have to navigate this...

On today's episode we scroll through the subreddit r/debtfree to give some friendly financial counseling advice. We each handpicked two scenarios to ask the other one live for some coaching support. While obviously we don't have all the information, this episode was such a blast to record. Let us know your thoughts on this structure - we'd love to do more of these if you all like it. Enjoy! In thi...

Today's episode debunks the polarizing personal finance tool of a debt settlement. We share why we think these companies can be dangerous and give you anecdotal evidence to share our reasoning. You'll hear how these companies might be harmful and ways to combat it on your own instead. In this episode, we chat about: Debt settlement flaws Creditors and collectors Strategies for debt reduction   MEN...

In this week's podcast episode we are talking all about REALISTIC ways to approach your debt payoff journey. There are a million and one ways to tackle your debt, but we are breaking down a few of our favorite things to keep in mind to make sure that you are being realistic with your goals. We want to make sure you are sustainably paying off your debt and this episode gives you exactly what you ne...

On today's episode we talk to Rebecca, an licensed attorney from California who practices civil litigation including estate planning. Rebecca comes on to answer some of our burning questions about estate planning and to get into some of the more nitty-gritty details that our quick hitter episode didn't cover the first time. We are so thankful to have had an expert on the show, and we know you're g...

In this episode, we explore how to tackle debt without sacrificing the things that bring joy and meaning to life. From intentional travel planning to evaluating extracurriculars for your kids, we discuss ways to align spending with personal values and maintain a sustainable financial journey. Plus, we dig into practical tools and mindset shifts to help you make confident, values-based decisions ar...

On today's episode we go over an exercise we do with all of our clients to find clear numbers on the savings journey. The canned tuna and sushi numbers reflect the pitstops you might make when saving for the future. You'll find out how to calculate the numbers for your household and some questions to ask as you navigate this important step of debt-proofing your life. Finally, we'll tell you where...

Today's guest is our good friend, David Gourley. David comes on to walk step by step through the process needed to discover your financial needs in retirement. While retirement looks very different for each person, having a general idea and understanding of the amount you'll need will help you feel empowered moving forward. David shares a simple tool you can use to find this number and walks throu...

We asked and you told! Today we share the "unhinged" ways you all said you have paid off some debt. This list comes from an Instagram poll, so if we missed anything then let us know! You'll hear some of the ways real folks have paid off debt, from the biggest sale of someone's life to joining the site where you can bare it all for viewers. Enjoy!   In this episode, we chat about: Non-conventional...

It's been four years since we sold our first home and we have lived a lot of life in the meantime. We sat down to chat and share our feelings around this big leap we made. Was it the right choice? Do we regret selling a home with a 3% mortgage? You might be surprised by the conversation and our thoughts. Enjoy!   In this episode, we chat about: Selling our first home Contentment in life Raising ou...

This is not your normal money conversation. Today's episode is a deep dive into self-rescue swim lessons with Master Instructor, Gaylynne Sword. We talk about how drowning is the leading cause of accidental death for children ages 1-4 and the second leading cause for children 5 and older. This is a topic that we have been passionate about since we first enrolled our eldest daughter in lessons at 1...

Are you stuck spinning your wheels within your budget? Do you love a good life hack to come out on top? Today's episode features five little known budget hacks that we've seen with clients that we think could be the catalyst for you and your budget!   In this episode, we chat about: Rising food costs Ways you can tackle your debt  The influence of social media   TODAY'S PODCAST SPONSOR Crew Financ...

Today's episode stems from trends we've seen with our coaching clients and Empowered Money Academy members over the past year. Many folks are losing jobs and spending significant time unemployed in this volatile job market. This conversation is quick, but we wanted to give you some actionable steps to be thinking of while navigating your job instability. Hang in there, Toasties!    In this episode...

Today's guest is Janine Firpo, an accomplished speaker, author, and entrepreneur who consistently challenges gendered norms in the finance world. She joins us to chat about impact investing and how aligning your investing with your values is key to feeling empowered on your money journey. We chat about the stigmas facing women as investors and ways to begin growing wealth that don't sacrifice your...

Today's episode features Paige Connell, a mom and wife sharing the realities of mental load and unequal partner support on social media. We chat about the financial burdens women face as they step away from their careers throughout motherhood, as well as the ramifications of unpaid leave and childcare costs. Paige's content resonates for many women and as such she has become a leading advocate for...

Today's guest is Bekah Burns, a certified life coach and enneagram specialist who comes on to chat about the intersection of enneagram and our patterns in life. We talk about the nine types and how we've seen the behaviors show up in our financial coaching clients. This episode just scratches the surface of enneagram, so if you're interested in learning more, then we invite you to dive deeper. You...

Today's guest is Shannah Game, a fellow podcaster and money coach who is helping others transform their lives through recognizing and overcoming the money trauma they experience. We talk about how money trauma shows up for folks of all classes, and we share some strategies you might be able to use when you feel some discomfort arising. Shannah's new book drops today, February 19th, so make sure yo...

Today's episode is a breakdown of our financial coaching programs! We chat about who we believe coaching is best for and how we can help those people overcome their money hangups. We address the biggest obstacles people face when considering coaching and help talk you through why those objections might not be as worrisome as you're making them. If you're considering coaching we want to invite you...

Today's episode is a breakdown of one of our favorite words: accountability. We recently heard some data regarding accountability and statistics that show what accountability can actually do, so we did a dive into the data to bring you some clarity on it all. We talk about a fascinating result of how accountability helps people and share why we believe financial coaching could be just the piece yo...

Today's guest is Bernadette joy. She's an author and fellow money coach helping folks crush their money goals. Bernadette shares her journey around mental wellness and money that ultimately led to her and her husband paying off $300,000 of debt! We have a great conversation about renting vs buying and the dangers of believing in one-size-fits-all narratives. Enjoy! In this episode, we chat about:...

On today's show we talk with Mishel Kaufman, Chief Operating and Risk Officer of Redwood Credit Union. RCU is the bank we are members with and we absolutely LOVE all that they do from a member support lens. We knew we wanted to have one of their leaders on to share about why banking locally matters, and how your support for your local credit union has massive ripple effects within your community....

Today's guest is Nicole Stanley, founder of Arise Financial Coaching. Nicole is a fellow financial coach helping women overcome their financial worries to live the abundant and exciting lives they dream of. Nicole shares her journey to the work she does now, and gives a glimpse into the client persona that she has found success coaching through their journey. This is another regular person doing g...

On today's episode we have a candid conversation about the highs and lows of goal setting. We reflect on our 2024 goals and what we might do differently, and how it can translate over to your own personal money goals. We share our guiding words for the year 2025 and enjoy returning back to the show with renewed excitement for the year ahead. Thanks for tuning in!   The myth of failure Goal setting...