rich & REGULAR with Kiersten and Julien Saunders

It’s not a secret that we’re huge fans of index fund investing as the simplest path to wealth. In this week’s episode, Julien and Kiersten Saunders ( @richandregular ) break down why by explaining how to read a fund’s prospectus or annual report. You’ll learn how to determine what’s driving a fund’s growth, how much it’s costing you to own it, and how to tell if your investments are on par with th...

We received a listener request to explain the metaverse so that’s what we did! In this week’s episode, Julien and Kiersten Saunders ( @richandregular ) are talking about the multi-trillion dollar opportunity that all your favorite brands and banks are clamoring to participate in: the metaverse. Listen to learn more about what the metaverse is, why people are so excited about it, and if you happen...

A common piece of career advice is to “follow your passion” so it never feels like work. Well, in this week’s episode, Julien and Kiersten Saunders ( @richandregular ) discuss how following your passion can impact your financial life based on a new book called The Trouble with Passion: How Searching for Fulfillment at Work Fosters Inequality. People who work in fields like healthcare, social work,...

Defining “financial literacy” in the 21st century means looking beyond basic math comprehension - it requires an understanding of other intersecting literacies like tech and media. In this week’s episode, Julien and Kiersten Saunders ( @richandregular ) cover 3 key traits of the US media industry and what implications it has to your financial life.  Full show notes and resources can be found here:...

A common piece of financial advice is to buy insurance for what you can’t afford to replace, but how much is too much? This week, Julien and Kiersten Saunders ( @richandregular ) cover some common ways to protect your valuable items. Whether it’s your home, jewelry, electronics, or rare book collection, the world of insurance and warranties can get murky and requires some hands-on research. Listen...

Philosophers have spent centuries trying to define what wisdom is and why it’s valuable to no avail. On today’s episode, Julien and Kiersten Saunders ( @richandregular ) unpack one of the most misunderstood traits and share new research about how wisdom may be the thing that helps you achieve your financial goals more than willpower. In it, they share insights about what wisdom is, what it’s not,...

We live in a world full of abundant information, so much so that sometimes it can feel like we have unlimited options which can lead to financial overwhelm, or even worse: analysis paralysis.  The hard truth is, sometimes deciding what you’re NOT going to do is just as impactful as deciding what you are going to do. In this episode, Julien and Kiersten Saunders ( @richandregular ) are kicking off...

It’s the last day of the first month of the New Year and statistically, the majority of people have already given up on some of your resolutions. Maybe they were too big, too ambitious, or just flat out too hard…but that doesn’t mean you can’t still make progress on your financial goals. In this episode, Julien and Kiersten Saunders ( @richandregular ) are talking about 4 small habits that have bi...

According to the Chief Economist of LinkedIn, prior to the pandemic one in every 67 jobs were remote, and today it’s one in 7. This growing trend of remote work has created a lot of opportunities for more people to consider relocation for the first time in their careers. In this episode, Julien and Kiersten Saunders ( @richandregular ) explore a few financial and emotional considerations to think...

By now you’ve probably seen several financial experts and influencers making their predictions about how the stock market is going to perform in 2022. In this episode, Julien and Kiersten Saunders ( @richandregular ) ignore all of that and talk about diversifying your portfolio beyond the stock market. While stocks have a proven track record of being a stable investment, emerging fintech platforms...

In this episode, Julien and Kiersten Saunders ( @richandregular ) connect the dots between tech literacy and financial literacy by exploring some of the ways your digital savviness (or lack thereof) can impact your wallet. Whether you consider yourself a gadget geek or tech-hesitant, tune into this episode. It will challenge you to keep learning and expanding your knowledge base.    Full show note...

Happy New Year! If eating healthier is one of your 2022 goals, this episode is for you. In this episode, Julien and Kiersten Saunders ( @richandregular ) share their favorite tips and solutions for cooking more at home. Food is one of the top 3 expenses for Americans and yet over 30-40% of the food we buy is wasted. Listen now to learn their favorite tips to cross-utlize ingredients and eat better...

New Year, new goals! It’s the time of year where people are buzzing with optimism and anticipating the fresh start of a new year. In this episode, Julien and Kiersten Saunders talk about why setting purely financial goals may not be the most useful exercise and offer their best tips and lessons about how to still achieve your money aspirations without losing yourself along the way.   Connect with...

As the world continues to change at a rapid pace, we’re starting to transition away from money being a taboo subject and more and more people are being encouraged to talk about money. In this episode, Julien and Kiersten Saunders ( @richandregular ) talk about the thin line between being transparent and being tacky and how to navigate this new normal of openness.  Full show notes and resources can...

Roboadvisors were one of the reasons we fundamentally knew money and investing was changing forever and the pace of change would be faster than anyone could imagine.  In this episode, Julien and Kiersten Saunders ( @richandregular ) talk about what they are, how they work, how they differ from traditional advisors and a few recommendations on getting started. Full show notes and resources can be f...

People always talk about buyers remorse, but what about the other side of that coin? In this episode, Julien and Kiersten Saunders ( @richandregular ) run down the list of things they regret NOT buying and if there’s a way to recognize when you’re being CHEAP (vs. frugal) in the moment or if hindsight is truly 20/20 when it comes to financial regrets. Full show notes and resources can be found her...

In the spirit of awkward Thanksgiving conversations, this week’s episode is all about Success Guilt. In this episode, Julien and Kiersten Saunders ( @richandregular ) break down why some people feel less inclined to share when things are going well, and what impact that has on others. If you’ve ever felt that ping of regret immediately after sharing a financial win, this episode is for you.    Ful...

If you were to survey 1000 people to identify a feeling they associate with their debt, most of them would say “shame”.  While shame can be a productive tool for some, it doesn’t work for everyone. In this episode, Julien and Kiersten Saunders ( @richandregular ) are talking about the relationship between shame and debt and how using shame as a motivator can actually work against you.  Full show n...

Recent enhancements to technology have changed every aspect of how we manage our financial lives; particularly in managing credit. Most people are familiar with lucrative credit card offers and loyalty programs. But today, there are even more exciting features and benefits to lure in more customers. In this episode, Julien and Kiersten Saunders ( @richandregular )  talk about how credit has change...

They say you can tell what kind of ideals a person has based on who their heroes are, but what happens when you start to disagree with the people you admire most? At first you might be compelled to try to convince them to see your side, but if they can’t be swayed...then what? In this episode, Julien and Kiersten Saunders ( @richandregular ) discuss what it means to outgrow a financial hero and ho...

It’s natural to identify with the places in your life where you spend the most time and receive the most feedback, but failing to realize that who you are is not the same as what you do can be an expensive endeavor. In this episode, Julien and Kiersten Saunders ( @richandregular ) unpack identity and how it can be a powerful filter in the world that either increases your earning potential or decre...

In this episode, Julien and Kiersten Saunders ( @richandregular ) discuss a recent article from the Nov/Dec issue of Success Magazine. The article features an interview with HGTV star Tarek El-Moussa where he shares his advice for new flippers, as well as where to focus your efforts if you want to protect the profit margin on your flips.  Full show notes and resources can be found here: www.richan...

“Buy low, sell high” is one of those money phrases that gets tossed around often...but how do you know if a low point is the lowest point? Or conversely, how do you know when a high point is at its highest and therefore know when to invest or when to sell? In this episode, Julien and Kiersten Saunders ( @richandregular ) explore what it means to be in a bull market and what you can do to ensure yo...

The amount of fraud continues to rise among market and economic uncertainty. And after recently watching the Amazon Prime docuseries LulaRich, Julien and Kiersten Saunders ( @richandregular ) decided to tackle coping with financial fraud. In this episode, they discuss some common grifts as well as red flags and what to do to protect yourself if you’ve been defrauded.  Full show notes and resources...

We’re in the middle of the Great Resignation, and more employees are citing burnout as the reason for leaving. In this episode, Julien and Kiersten Saunders ( @richandregular ) discuss the latest trends and reports related to burnout, and the financial implications of “rage-quitting” or leaving a job abruptly before you have another plan. From healthcare to tax and credit implications, there are f...