Just Another Money Podcast

Those small money habits that seem harmless? They’re slowly pulling you off course. In this episode, Lauren and Nick break down 10 of the most common money questions — from budgeting and debt payoff to credit scores, investing, buying a home, and more. 0:00 – The “1° Rule” 1:19 – Credit cards: should you really have one? 3:58 – How to build a budget that actually works 7:50 – Buying a home: what t...

Big life decisions get expensive fast — investing, buying a home, starting a family. In this episode, Lauren and Nick break down how to know if you’re truly financially ready and what most people overlook. 0:00 – Intro 2:58 – Why home “affordability” keeps getting worse 5:40 – Are you actually ready to start investing? 11:23 – Riding the market roller coaster without panicking 16:09 – How to know...

Are people "doing money wrong"? In this week's episode, Lauren and Nick break down three of the most controversial money debates: joint vs. separate bank accounts, renting vs. buying, and whether $100K is still a “good income.” 0:00 – Why small purchases do matter 0:39 – Joint vs. separate bank accounts: what actually works 5:58 – The hybrid system most couples should consider 10:23...

In this week's episode, Lauren and Nick upack three of the most controversial personal finance debates.  0:00 – Intro: Why money topics get so polarizing 1:31 – “Can I still splurge while paying off debt?” 5:18 – Why the “little splurges” often cause big setbacks 7:15 – Consistency vs. all-or-nothing: finding the right balance 8:49 – Discomfort, mindset shifts, and breaking spending habits 10:...

Feeling stressed about money? In this week’s episode, Lauren and Nick break down three real-world money scenarios — from living paycheck to paycheck on six figures, to being buried in debt and shame, to feeling anxious about money even when everything looks “perfect” on paper. 0:00 – Intro 1:35 – Making six figures but still broke 4:00 – Lifestyle creep, debt cycles, and hard choices 10:00 – Debt...

In this week’s episode, Lauren and Nick break down how to rebuild your financial life — from paying off debt and creating stability to getting your money working for you again. 0:00 – Intro: Starting over and getting your finances back on track 1:17 – How to rebuild after credit card debt (listener story) 4:30 – The real key to financial progress (and why income isn’t everything) 6:20 – Building a...

Money problems don’t always start with the numbers—they start with communication. In this week’s episode, Lauren and Nick tackle three real-life scenarios from couples struggling with money alignment: separate bank accounts, mismatched spending habits, and crushing credit card debt.  0:00 – Intro 2:26 – Should couples combine finances? 4:03 – Red flags in marriage and money conversations 6:37 – Wh...

Think you're good with money… until you realize you’ve been lying to yourself? In this week’s episode, Lauren and Nick unpack the money lies we all tell ourselves—from “I can afford it” to “I’ll start saving when I make more.” 0:00 – Intro: The little lies that keep us stuck 2:00 – “I can afford it” – The danger of monthly payments 6:40 – Why impulse spending is easier than ever 7:10 – “I’ll s...

Are you caught in the endless cycle of credit card debt, consolidation loans, and paycheck-to-paycheck stress? In this episode, Nick and Lauren break down why behavior beats income, when debt consolidation makes sense (and when it doesn’t), and how couples can rebuild trust with money. 0:00 – Intro 0:45 – Is income really the problem? 2:10 – Lifestyle creep and hidden debt traps 4:00 – Listener st...

Most people think being “good with money” just means earning more — but that’s only part of the story. In this episode, Lauren and Nick break down the five essential habits that help you build lasting financial success. 0:00 – Intro 1:10 – Why income isn’t the full picture of financial success 2:35 – Living below your means 5:50 – Budgeting with intention instead of restriction 9:15 – Putting your...

Credit card debt, debt consolidation, and even homeownership can become financial traps if you’re not careful. In this episode, Lauren and Nick unpack real-life stories of money mistakes, why emotions often cloud financial decisions, and what it really takes to break free from the debt cycle. 0:00 – Intro: Why credit cards cause so much controversy 0:57 – The reality of credit card debt in America...

Think your money habits don’t matter that much? Think again. In this week’s episode, Lauren and Nick break down how destructive financial habits sneak into your life, why starting late doesn’t mean it’s too late, and what real people have learned from both hitting rock bottom and becoming debt free. 0:00 – Intro & the most destructive force in your finances 1:00 – Why bad money habits hold you...

The 4 biggest money mistakes people make in their 20s & 30s––debt, extra cash, money fights with a partner, and overspending. In this week’s episode, Lauren and Nick cut through the noise and get back to the financial basics: how to pay off debt the right way, what to do with extra money after bills, how to split expenses fairly in a relationship, and why even high earners can end up broke. 0:...

Think tipping less for bad service is fair? Or that renting might be smarter than owning? In this week’s episode, Lauren and Nick tackle some of the most controversial money opinions and unpack what they really mean for your wallet.  0:00 – Intro 0:50 – Cutting “BS spending” and lifestyle choices 3:59 – Tipping culture & splitting the check fairly 9:46 – Retirement savings vs. college savings...

What if your money could practically run itself? In this week’s episode, Lauren and Nick break down the power of automating your finances—covering everything from bills and debt to savings and investing. 0:00 – Intro 1:05 – Should you automate your bills? 4:55 – How automation helps you stay consistent (without ignoring your budget) 9:50 – Automating debt payoff the smart way 15:20 – What to do if...

Money and relationships go hand in hand — but most couples wait too long to talk about it. In this episode, Lauren and Nick break down the money conversations you should be having while dating, the green flags to look for, and the red flags you don’t want to ignore. 0:00 – Intro 1:05 – Why money talks matter early in dating 4:20 – The most common “awkward” money conversations couples avoid 7:45 –...

Think everyone around you is financially ahead? You might just be seeing the highlight reel. In this week’s episode, Lauren and Nick unpack the hidden costs of comparison, how lifestyle creep quietly drains your bank account, and why so many budgets fail before they even get started.  0:00 – Intro 0:25 – The comparison trap and how it affects your finances 2:15 – Why appearances can be deceiving (...

Saving money is important — but it’s not the whole story. In this week’s episode, Lauren and Nick break down the difference between saving and investing, why you can’t save your way to wealth, and how to start investing without feeling overwhelmed. From simple index fund strategies to understanding risk and compounding, this episode is your crash course in making your money work for you. 0:00 – In...

Does your budget bring you peace—or just make you feel guilty? In this week’s episode, Lauren and Nick unpack what happens when budgeting goes too far. From guilt-driven spending habits to feeling overwhelmed by every purchase, they explore how to budget a better way. 0:00 – Intro 1:18 – The Region Beta Paradox: Why small problems don’t spark change 5:43 – Budgeting as punishment: When structure b...

Think you need a six-figure income to pay off debt? Think again. In this week’s episode, Lauren walks through how she paid off over $50,000 in debt — without a huge salary or financial shortcuts. From the strategies that kept her focused to the mindset shifts that made it possible, this episode is packed with practical tips for building a debt-free life (even on an average income). 0:00 – Intro 1:...

Is your job the "safe" option? Think again. In this week's episode, Lauren and Nick are joined by Dr. Ray Gorman to unpack the mindset shifts that unlock income growth and financial freedom. From breaking old money beliefs to understanding the real cost of staying in your comfort zone, this episode is a must-watch for anyone thinking about entrepreneurship or simply wanting more from...

Ever wonder why your monthly expenses feel so high—even if you're making decent money? In this week’s episode, Lauren and Nick break down the real reason you might be overspending without realizing it. 0:00 – Welcome back to the show 2:05 – The $5,000/month Uber driver story 7:24 – Tip 1: Track your spending 12:28 – Tip 2: Audit and cancel subscriptions 19:52 – Tip 3: Set limits on high-spend...

Ever feel like you wrecked your finances? In this week's episode, Lauren and Nick are breaking down financial disasters (and how to fix them)! 0:00 - Intro 0:39 - Why do people do this? 4:40 - Financially ruined at 30 13:04 - Real estate investing wrecked his finances  20:33 - $23,000 down the drain 29:50 - Finally waking up for the first time ––––––– Sign up for 1:1 Financial Coaching here: h...

How do you know when you're ready to buy a home? In this week's episode, Lauren and Nick are joined by Stacie Rihl, a first-time homebuyer expert who's helped over 16,000 people learn the buying process! ––––––– How to get in contact with Stacie Rihl:  https://stacierihl.com ––––––– 0:00 - Intro 1:04 - Who is Stacie Rihl? 5:16 - Biggest misconceptions homebuyers have 11:20 - How much c...

What was the last money decision you made that you completely regret? In this week's episode, Lauren and Nick are getting into some of the internet's biggest financial regrets. 0:00 - Intro 3:42 - What's the biggest money mistake you've ever made 9:27 - She's 55 with nothing saved! 19:16 - She's tired of financially supporting in-laws 26:01 - She thought she could ignore he...