rich & REGULAR with Kiersten and Julien Saunders

“Competitive” is one of those charged words that people either identify with or they don’t. It’s a word that is used to positively describe winners and negatively describe people who aren’t good team players, all at once. On this week’s episode, Julien and Kiersten Saunders ( @richandregular ) tackle the question: do competitive people make more money? Listen in for a nuanced discussion of how you...

Goal setting is the cornerstone of wealth building, but what should you expect when you’re in between goals? What should you be planning for? In this episode Julien and Kiersten Saunders ( @richandregular ) discuss the financial, emotional and psychological effects of achieving financial milestones.  Full show notes and resources can be found here: www.richandregular.com/listen   Connect with us i...

They said when the student is ready, the teacher will appear! In this episode, Julien and Kiersten Saunders ( @richandregular ) talk about their favorite ways to learn about money. From books, to podcasts and even movies, there’s no shortage of modern day “teachers”. Pick one and then get your hands dirty and put all that knowledge into practice.    Full show notes and resources can be found here:...

If your fear of losing money is the thing that’s keeping you stuck, this episode is for you. Julien and Kiersten Saunders ( @richandregular ) discuss loss aversion and offer tips on how you can start to teach your brain to react differently to losses and more strongly to gains.  Full show notes and resources can be found here: www.richandregular.com/listen Connect with us in the Success Achievers...

Research suggests that the average millionaire has seven streams of income, and in this episode Julien and Kiersten Saunders ( @richandregular ) discuss some of the overlooked benefits of having multiple sources of income.  Full show notes and resources can be found here: www.richandregular.com/listen   Connect with us in the Success Achievers Community where we host monthly training on a range of...

There is a natural conflict between wanting to be better at something and trying to minimize expenses - how do you know when it’s time to level-up and pay to play? We all love free stuff, but in this episode Julien and Kiersten Saunders ( @richandregular ) discuss  how they decide when to spend money on a community, course or program.  Full show notes and resources can be found here: www.richandre...

Money is the leading cause of arguments in relationships and a primary factor of why half of marriages end up in divorce. In this episode, Julien and Kiersten Saunders ( @richandregular ) discuss an article by Emma Johnson in the September/October issue of Success Magazine about the most common financial disagreements that drive couples apart and offer some practical tips to resolve them. Full sho...

Julien and Kiersten welcome a guest for his episode, speaking to SUCCESS CEO Glenn Sanford. They discuss Glenn's investing strategy, the mechanics of his purchase of SUCCESS and his crypto history. This episode is sponsored by BELAY. Text the word SUCCESS to 55123 for your free download from BELAY or visit belaysolutions.com/success See omnystudio.com/listener for privacy information.   Conne...

The first time Julien and Kiersten Saunders ( @richandregular ) explained the Purpose of Income, they were on a campus speaking to a group of students, faculty and staff talking about what it takes to build a “Modern Money Mindset”. One of the steps was to give your income a purpose and the audience was baffled about what that meant. In this week’s episode, they walk you through the same framework...

When people think about investing, they tend to default to retirement accounts. And those are great, but did you know there were accounts that didn’t penalize you for withdrawing before retirement age? In this episode, Julien and Kiersten Saunders ( @richandregular ) go over the features and benefits of brokerage accounts and why you should consider opening one.  Full show notes and resources can...

According to the 2018 Education at a Glance report, the U.S. spends more on college than almost any other country. In fact, the average college tuition in 2018 is nineteen times bigger than it was in 1971. In this episode, Julien and Kiersten Saunders ( @richandregular ) explain how to offset the cost of education with a 529 plan. Even if a student in your life is not college-bound, 529s are an un...

If you’ve ever used the phrase “fake it till you make it” or “treat yo’self!”, then this episode is for you. Julien and Kiersten Saunders ( @richandregular ) talk about new ways to experience luxury without ownership. While we love our low-key and frugal life, occasionally we like to splurge and be pampered. In this episode, we share our thoughts on the emerging “accessible luxury” economy (someti...

We all get by with a little help from our friends...or these days, strangers on the internet. In this episode, Julien and Kiersten Saunders ( @richandregular ) talk about asking for financial help. Whether you’re the person who needs money or you’re the person being asked for money, this episode is for you.  We’re talking about:  What to keep in mind if you’re being asked for financially assistanc...

We’re all told to seek out promotions, but when was the last time you calculated the costs of doing business at a higher level?  In this episode, Julien and Kiersten Saunders ( @richandregular ) dive into what comes with a big promotion and how to pursue one, while also preparing for it.  We cover:  The difference between promotions and standard cost of living increases Practical tips for negotiat...

How much wisdom is in the old saying, “plan for the worst, but hope for best”? In this episode, Julien and Kiersten Saunders ( @richandregular ) argue against our cultural staple of indefinite optimism. There is now enough data to suggest that most working-age American’s financial forecast should include plans for a sudden job loss or significant disruption income. Nobody likes to imagine the wors...

Julien and Kiersten Saunders ( @richandregular ) discuss the costs of being a hobbyist. “Expensive” is a relative term, but some hobbies are more costly than others. What impact do your hobbies have on your financial plan?  In this episode, we talk about:  The connection between hobbies and identity  How to squeeze some cash flow out of a depreciating asset  How to handle “sneaky” hobbies that imp...

Julien and Kiersten Saunders ( @richandregular ) discuss the interpersonal conflict that comes with tackling a meaningful financial goal. In fact, conflict is usually a key theme in most financial advice. The harsh truth is while your self-esteem can take a hit when the people closest to you don’t support your financial decisions, it’s not a reason to stop.  In this episode, we discuss:  Conflict...

Julien and Kiersten Saunders ( @richandregular ) explore the healthy and unhealthy ways people compete in relationships -- and not just the romantic ones! Whether it’s a desire to ‘out-gift’ your partner, or a race to ‘out-earn’ your colleagues, competition in relationships can have both positive and negative effects on your financial goals.  In this episode, we discuss:  Ways competition might sh...

Julien and Kiersten Saunders ( @richandregular ) discuss three life-changing events: becoming a parent, divorce and death. What do they all have in common? They can be very, very expensive. And ironically as common as these experiences are, they are some of the least talked about topics.  In this episode, we discuss:  How to financially prepare for a child/new family member  Some best practices/re...

Julien and Kiersten Saunders ( @richandregular ) are discussing their personal experience of moving their mom out of Senior housing and taking on the role of financially supporting a parent. Caring for elders and children at the same time isn’t a new concept, but a recent report suggests that modern caregivers are younger and more ethnically diverse and newer to caregiving as a whole. Millennials...

Julien and Kiersten Saunders ( @richandregular ) explore the multi-billion dollar business of selling points. Today, most credit card issuers offer consumers points as an incentive to spend more. These points can be used to reduce or even eliminate costs of something you’ve got your eye on….but is it worth it?  In this episode, we cover:  What “points hacking” is and the pros and cons of gamifying...

Julien and Kiersten Saunders ( @richandregular ) ask an important question: is homeownership a luxury?   The real estate industry is booming right now, but what does it mean for buyers? In this episode, we’re discussing recent trends in the real estate market and whether owning a home should be considered a luxury purchase. We cover:  What it means for a home to be affordable based on a recent sur...

Finance is a big topic. We have a whole podcast on it! With all of the many terms, concepts and strategies, it can be daunting to start the journey to mastering good financial practices. Julien and Kiersten talk about their own journeys on the topic and offer some advice for the best ways to start out.   Resources: GameStop's Wild Stock Ride Exposed Our Country's Financial Illiteracy - h...

Yes, you can avoid some fees just by knowing they exist, and for the rest it's being mindful of it. Factor it in when you're comparing and lean into technology. Digital banks often have fewer fees and certain budget apps will isolate your fees so you can track it like any other category. Resources: AARP Study on Fees - https://assets.aarp.org/rgcenter/econ/401k-fees-awareness-11.pdf Expe...

Julien and Kiersten Saunders are the new Money Editors for SUCCESS magazine. In their first podcast, they tell SUCCESS Editor-in-Chief Josh Ellis how they met, how they started talking about money and what they have planned for the new show. See omnystudio.com/listener for privacy information.   Connect with Julien and Kiersten on our website , Instagram , Twitter , and YouTube . Join our email li...