Townley's Money Basic$

What does it mean to be middle class? In this episode we break down what is middle class by income, net worth and how education also plays a role. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web - https://shawntownley.com

What would you do if you had total control of your time for the rest of your life? Do you have a perfect day in mind? Maybe FIRE (Financially Independent Retire Early) can work for you. In this episode I give an overview a what it takes to have total control over your time. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter -...

Do you know your credit score? In this episode I talk about why your credit score is important and how you can keep it in good shape. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web - https://shawntownley.com

What comes to mind when you hear the word frugal? Penny pincher? Coupon cutter? It can be way more fun than that! Today I talk about reasons why being frugal can be fun! Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web - https://shawntownley.com

Cash is king right?!? There are times where that is still the case, but maybe not is not as powerful as it once was. When should you carry cash and when is it no longer appropriate? In this episode I talk about when and why you may want to use cash. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web - https...

Need some extra cash? Side hustle. Want to build your emergency fund fund? Side hustle. You guessed it the side hustle is very important to making your money situation successful. Take a few minutes to hear me explain how side hustles can help you. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web - https:...

Bankruptcy. It’s not fun. Hopefully you will not ever have to declare that you are bankrupt. in this episode I talk about bankruptcy and ways that hopefully you can avoid it. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web - https://shawntownley.com

Student loans can be helpful, but are they necessary? In this episode I talk about student loans and ways to possibly avoid them. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web - https://shawntownley.com

Remember when talking about money was taboo? Ok maybe it still is, but it should not be! Especially when it comes to your future. Your kids are your future and you owe it to them and yourself to educate them on what you know about money. In this episode I talk about conversation we should be having with our children at different points in their up bringing. Support the show https://www.buzzsprout....

So you have all your money catagories situated - Savings, Essentails and and Wants, but there is still more money! What to do with your extra cash? How about investing it! In this episode I give an overview about investing your money. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web - https://shawntownley...

You have all your ducks in a row ;-) Now its time to talk to a Financial Advisor! What is a Financial Advisor? Let’s find out! Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web - https://shawntownley.com

It is no fun! Identity theft can be very expensive and time consuming. Hopefully you will never have to go through it, but if you do there are ways to help protect yourself and your credit. In this episode we I talk about what identity theft is, how it happens and how you can avoid it. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownle...

Insurance is legalized gambling. What you bet on is up to you! In this episode we take a high level look at common insurances that we need in our financial life.  Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web - https://shawntownley.com

Once you have your spending plan in place it is time for cash flow automation. Automating cash flow will help you systematically get you closer to financial independence! Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web - https://shawntownley.com

How many subscriptions do you have? How many have you forgotten that you had? Maybe it is time to review what subscriptions you have. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web - https://shawntownley.com

Assets - Liabilities = Net Worth. Why do we care what our net worth is? In this episode we discuss what net worth is and how to figure it out.  Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web - https://shawntownley.com

Everyone likes to be given credit, but should you use it? In this episode we talk about what credit is and when we should use it to meet our financial goals. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web - https://shawntownley.com

Want to know a secret about how to stick to your spending plan? In this episode we cover one of the best ways to help you stick to your spending plan without losing your mind! Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web - https://shawntownley.com

Is all debt bad? Maybe. In this episode we talk about what debt is and how it possibly can be good or bad. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web - https://shawntownley.com

After building an emergency fund, taking care of retirement and saving for college it’s time to BUILD WEALTH! This is part of our 20% savings in our spending plan. In this episode we talk about when to invest and when not to invest.  Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web - https://shawntownley....

As part of our 20% savings, emergency fund and then retirement are the first two cups to fill. If you or a family member are college bound then this is the next place to put your savings. In this episode we talk about what to do if you want to go to college and even discuss when college may not be right for you. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail....

Once you have your emergency fund established you need to start thinking about the long view. Investing in your retirement is essential because time may not be on your side. Having money later in life when you are no longer in your prime earning years is paramount to your financial success! Let’s challenge what retirement means! We may find that retirement means something different to you than it...

This IS the first step to your financial freedom! Establishing an emergency fund will start you down the path to peace of mind and as well as building a solid financial foundation. The journey starts here. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web - https://shawntownley.com

If you only have time to listen to one episode - this is the one! Savings is the secret for building financial stability and ultimately growing your wealth. Spend less than you make and put the rest to work for you! In this episode we talk about what savings is and how to get started. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley...

Income is the offense of your spending plan. Expenses is defense. If you can master the defense of your spending plan you can quickly automate your way to a better financial life. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web - https://shawntownley.com