Steward Lab Podcast

We all know children are expensive. In fact, the average costs of raising a child from birth till 17 is $233,610 according to the USDA. Now that’s a lot of money! In today’s episode, Amberlee Rich answers a listener's question. She asked if it is wise to have another child when your financial situation isn’t very good (i.e. debt, student loans, etc.)?   So, if you’re considering starting a family...

Reading is such a vital skill that we all want to impart upon our children. But how can you encourage your children to love reading? In today’s episode, Amberlee Rich is joined by her daughter. They share how they have created a family culture that loves to read. If you want practical tips to encourage reading in your family, listen in!  Plus, you’ll get insights from Amberlee’s almost 6 year-old...

Do you struggle with having stuff that is just too nice or too pretty to use? Maybe you have some China that’s in a box or on display, but it’s never been used. Do you have that perfect dress that is just too nice to wear out? Or maybe you have a fancy beauty product that is just too expensive to use? In today’s episode, Amberlee shares how she has struggled using and enjoying items that were too...

Since Amberlee and James just celebrated their 11th anniversary, they thought it would be fun to give you a sneak peak into their love story! In today’s episode, Amberlee and James Rich rewind all the way back to 2005 when they first met. Their love story is a miracle in and of itself.  Resources: Are you ready to save over $17,000 annually? Find out how inside of the Simplified Savings Guide at A...

When times are good, it’s so easy to just think that life will always be like that. But the truth is, rainy days will come- it’s not a matter of if, it’s a matter of when.  Instead of being blindsided by an economic pitfall, job loss, medical issues, or whatever, wouldn’t it be nice if you were prepared for it? In today’s episode, Amberlee will walk you through how you should save up for a rainy d...

Do you end up spending WAY too much when you go to Costco? You’re not alone. That is why Amberlee will help you navigate shopping at this store.   Inside of today’s episode, you’ll learn how to tell if an item will be going on clearance, is on store clearance, or is on clearance in all Costco’s. You’ll also find out what items are worth buying at Costco and what isn’t.  If you are a Costco member...

Are you wanting to save money on groceries, but you’re not sure how? In today’s episode, Amberlee shares easy ways to save on groceries without clipping coupons. She shares practical advice to help you free up money to pay down debt and save! Links from today’s episode: Check out Amberlee’s FREE Money-Saving Download to save on groceries without using coupons. Go to RichLivingOnLess.com/Groceries....

Are you wanting to save money on groceries, but you’re not sure how? Maybe you’ve contemplated couponing, but you're not sure if it would be worth it. In today’s episode, Amberlee shares her couponing journey that started when she was around 10 years old until now. If you want an insider's look into couponing, look no further! Links from today’s episode: Check out Amberlee’s FREE Money-Saving Down...

It’s so easy to neglect yourself as a mom. This has been an ongoing struggle for Amberlee for years. But the truth is that we can’t pour into our children, our families, and community if we are running on empty and have nothing left to give. If you’ve struggled with self-care and feeling like it’s selfish, this episode is for you. Amberlee shares her own difficulty in making time for herself. Link...

Are you wanting to have a great future, but you don’t know how to create goals for yourself? Or maybe you're unsure about what goals are worth pursuing.  Amberlee and her husband James would’ve never been able to have a paid-for home and be debt-free if they didn’t set it as a goal.   In today’s episode, Amberlee shares how you can use the same method her and her husband used to plan for the futur...

Are you a single income family or would like to be and you’d like to know how to transition well as a couple? Then this is the episode for you.   In today’s Ask The Riches episode, Amberlee and James Rich answer questions about mom-guilt, living paycheck-to-paycheck, transitioning to a single income family, budgeting, talking about finances with your spouse and so much more. Links from today’s epi...

Do you struggle with spending too much? All of us struggle with wanting stuff we don’t have. Having self-control isn’t fun and it sure isn’t very easy. So how can you stop overspending? In today’s episode, Amberlee Rich shares the phrase she uses that helps her curb overspending. Feel free to use the same phrase or adapt it to create your own phrase. She’ll give you practical tips to help you gain...

If you are on the fence with the idea of downsizing your family home, this episode is for you.  Downsizing has been one of the best decisions we have made. The world tells us that we need a newer, bigger and better home. Let’s stop buying that lie literally. Less is more. For us, a smaller home has been a financial blessing and has encouraged us to get outside more. We are living in our dream hous...

So many couples don’t see eye to eye when it comes to money. Issues around money is one of the biggest factors for divorce. But what if you could be on the same page as your spouse? What if money wasn’t a subject that would divide, but unite? In today’s episode, Amberlee Rich shares a new perspective on how to talk to your spouse about money. Get ready to be encouraged and inspired! Links from tod...

Amberlee just finished up an entire year where she didn’t watch any tv or movies. The thought of going without a T.V. might sound impossible or unimaginable. If you want to know what it’s like to go without a screen, listen up! In this episode, Amberlee Rich shares why she gave up television. She also talks about the perks to going without a television and the drawbacks. You’ll also be challenged...

The Corona Virus is affecting all of us right now. Most of us are really feeling the financial impact of loss of employment, fewer hours, or maybe you own a business and you’re not sure if you can make it through. In today’s episode, Amberlee Rich walks you through what you should be spending money on and how to navigate less income.  She also walks you through what you should do with the stimulus...

We are in uncharted waters right now with the Corona Virus right now. Our lives look very different than they did over a month ago. We are cooped up inside of our homes, our kids are home all day, and many people aren’t able to work. In today’s episode, Amberlee Rich sheds some light and hope on how to improve our lives during this time where we are forced to slow down. With no obligations and pla...

Most Americans are living in financial survival mode. We’re in debt, living paycheck to paycheck, and feel like we can never get ahead. Yet, we weren’t meant to be living in financial survival mode at all. Amberlee Rich will share insights on how to get out of financial survival mode and change your financial future in today’s episode. No matter what your finances look like, there is hope. It’s ti...

Did you know that according to new research , American families get only 37 minutes of quality time together each day ? This statistic is staggering. How can we create intentional routines to get back more quality time with our families?  In today’s episode, Amberlee Rich gives the listener tangible ideas to make deep conversations happen inside our families. She’ll have you look back to how you a...

Most people look like they’re rich, but in reality, they are drowning in debt.  There is so much pressure in our society to look the part- to wear trendy clothes, drive a nice car, live in a well-decorated home, and vacation on the beach. With social media, we can see the highlight-reels of everyone’s lives.  But if we look at the statistics, the majority of American’s are financially stressed out...

The grass is greener on the other side or is it? It’s so easy to just want to bypass the season you’re in and go to the next.  I bet you’ve heard a mom say (or maybe that mom is you) I can’t wait till my kids are out of diapers, or in school, or able to drive. It’s good to look forward to the next season, but it’s not ok to be constantly unhappy with the season you’re actually living in. In today’...

Most people live paycheck to paycheck because it’s normal, expected, and hard to envision living a different way.  But in today’s show, Amberlee will walk you through how to stop living paycheck to paycheck. She’s been there and figured out a different approach that will help you find wiggle-room in your financial life.   Links from today’s episode: Be sure you are subscribed and leave a review to...

Talking about money and God are taboo subjects. But in today’s episode, Amberlee Rich tackles the two topics.  The truth is, God doesn’t shy away from the subject of money and possessions. In fact, it’s one of the most talked-about subjects in the whole Bible.  Amberlee will walk through three over-arching Biblical truths about money that will change your money mindset and how you interact with mo...

Welcome to the very FIRST Rich Living On Less Podcast! If you are wanting to be more intentional with your time, money, and resources, this is the podcast for you. In today’s show, Amberlee shares her own financial story and how she was able to become debt-free by the time she was 31. Her journey getting out of debt hasn’t been filled with rainbows and unicorns. To get the blueprint of how Amberle...