Do Financial Literacy Programs Really Work?

Raising Financial Freedom

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추가했습니다 four 년 전

Eric Yard에서 제공하는 콘텐츠입니다. 에피소드, 그래픽, 팟캐스트 설명을 포함한 모든 팟캐스트 콘텐츠는 Eric Yard 또는 해당 팟캐스트 플랫폼 파트너가 직접 업로드하고 제공합니다. 누군가가 귀하의 허락 없이 귀하의 저작물을 사용하고 있다고 생각되는 경우 여기에 설명된 절차를 따르실 수 있습니다 https://ko.player.fm/legal.

TechSurge: Deep Tech VC Podcast

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Understanding the Elegant Math Behind Modern Machine Learning 1:14:43

13일 전1:14:43

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1:14:43

Artificial intelligence is evolving at an unprecedented pace—what does that mean for the future of technology, venture capital, business, and even our understanding of ourselves? Award-winning journalist and writer Anil Ananthaswamy joins us for our latest episode to discuss his latest book Why Machines Learn: The Elegant Math Behind Modern AI . Anil helps us explore the journey and many breakthroughs that have propelled machine learning from simple perceptrons to the sophisticated algorithms shaping today’s AI revolution, powering GPT and other models. The discussion aims to demystify some of the underlying mathematical concepts that power modern machine learning, to help everyone grasp this technology impacting our lives–even if your last math class was in high school. Anil walks us through the power of scaling laws, the shift from training to inference optimization, and the debate among AI’s pioneers about the road to AGI—should we be concerned, or are we still missing key pieces of the puzzle? The conversation also delves into AI’s philosophical implications—could understanding how machines learn help us better understand ourselves? And what challenges remain before AI systems can truly operate with agency? If you enjoy this episode, please subscribe and leave us a review on your favorite podcast platform. Sign up for our newsletter at techsurgepodcast.com for exclusive insights and updates on upcoming TechSurge Live Summits. Links: Read Why Machines Learn, Anil’s latest book on the math behind AI https://www.amazon.com/Why-Machines-Learn-Elegant-Behind/dp/0593185749 Learn more about Anil Ananthaswamy’s work and writing https://anilananthaswamy.com/ Watch Anil Ananthaswamy’s TED Talk on AI and intelligence https://www.ted.com/speakers/anil_ananthaswamy Discover the MIT Knight Science Journalism Fellowship that shaped Anil’s AI research https://ksj.mit.edu/ Understand the Perceptron, the foundation of neural networks https://en.wikipedia.org/wiki/Perceptron Read about the Perceptron Convergence Theorem and its significance https://www.nature.com/articles/323533a0…

약 1년 전 12:47

MP3•에피소드 홈

Send us a text

#051 In this episode, we take a deep dive into the world of financial literacy programs. Do these programs actually deliver on their promise to empower people with the skills to master their money? Or are they just a small part of a much larger financial puzzle? From personal stories of transformation to systemic challenges, we explore the inspiring benefits, overlooked challenges, and deeper truths about financial literacy education.

Key Highlights:

Why Financial Literacy Matters:

Understanding money is more than just numbers; it's about choices, freedom, and securing your future.
Personal reflections on how our own relationship with money impacts our children.

The Transformative Power of Financial Literacy:

Real-life story of how Samantha overcame credit card debt, built an emergency fund, and saved for a house through a financial literacy class.
Benefits of financial literacy programs:
Teaches critical money management skills (budgeting, saving, investing).
Helps recognize and avoid financial scams or predatory loans.
Reduces financial stress and improves mental health.

The Challenges of Financial Literacy Programs:

Accessibility: Many people who need these programs the most struggle to access them due to time, cost, or availability.
Effectiveness: Knowledge doesn’t always translate to real-life application, especially when finances are tight.
Bias: Some programs run by financial institutions may not always have the learner’s best interests in mind.
Behavioral Barriers: Impulse spending, anxiety, and systemic issues like income inequality often go beyond what financial education can address.

A Path Forward:

Financial literacy programs should be combined with broader support systems, including financial counseling, affordable financial products, and policies that combat inequality.
Making financial literacy accessible through free/low-cost classes, online resources, and community outreach.
Encouraging listeners to share what they’ve learned about money to create a ripple effect of financial education.

Actionable Takeaways:

Take one small step today to improve your financial literacy—whether it’s creating a budget, setting financial goals, or signing up for a free financial education course.
Share your financial knowledge with friends or children to help spread financial empowerment.
Remember, progress matters more than perfection. Financial freedom is a journey, not a destination.

Links and Resources:

If you found this episode insightful, subscribe to the podcast, leave a review, and share it with someone who could benefit from it.

Article: Pros and Cons of Financial Literacy Programs
Free tool Bundle: Dollars and Sense Bundle
Nurturing Finance for more information.

Connect with Us:

Website: RaisingFinancialFreedom.com
Email: info@RaisingFinancialFreedom.com
Social Media: Links available on the website

Thank you for listening! Don’t forget to like, share, and subscribe. Be kind to yourself and others, and we’ll see you next time.

Support the show

56 에피소드

#Parenting #Kids And Families #Eric Yard #Podcasting Education #Self-Improvement #Financialliteracy #teachingmoney #childrenfirst #Money #Legacy #Investing #Wealth #Saving #Budget

Raising Financial Freedom

Do Financial Literacy Programs Really Work?

Raising Financial Freedom

published 약 1년 전

MP3•에피소드 홈

Send us a text

Key Highlights:

Why Financial Literacy Matters:

Understanding money is more than just numbers; it's about choices, freedom, and securing your future.
Personal reflections on how our own relationship with money impacts our children.

The Transformative Power of Financial Literacy:

Real-life story of how Samantha overcame credit card debt, built an emergency fund, and saved for a house through a financial literacy class.
Benefits of financial literacy programs:
Teaches critical money management skills (budgeting, saving, investing).
Helps recognize and avoid financial scams or predatory loans.
Reduces financial stress and improves mental health.

The Challenges of Financial Literacy Programs:

Accessibility: Many people who need these programs the most struggle to access them due to time, cost, or availability.
Effectiveness: Knowledge doesn’t always translate to real-life application, especially when finances are tight.
Bias: Some programs run by financial institutions may not always have the learner’s best interests in mind.
Behavioral Barriers: Impulse spending, anxiety, and systemic issues like income inequality often go beyond what financial education can address.

A Path Forward:

Financial literacy programs should be combined with broader support systems, including financial counseling, affordable financial products, and policies that combat inequality.
Making financial literacy accessible through free/low-cost classes, online resources, and community outreach.
Encouraging listeners to share what they’ve learned about money to create a ripple effect of financial education.

Actionable Takeaways:

Take one small step today to improve your financial literacy—whether it’s creating a budget, setting financial goals, or signing up for a free financial education course.
Share your financial knowledge with friends or children to help spread financial empowerment.
Remember, progress matters more than perfection. Financial freedom is a journey, not a destination.

Links and Resources:

If you found this episode insightful, subscribe to the podcast, leave a review, and share it with someone who could benefit from it.

Article: Pros and Cons of Financial Literacy Programs
Free tool Bundle: Dollars and Sense Bundle
Nurturing Finance for more information.

Connect with Us:

Website: RaisingFinancialFreedom.com
Email: info@RaisingFinancialFreedom.com
Social Media: Links available on the website

Thank you for listening! Don’t forget to like, share, and subscribe. Be kind to yourself and others, and we’ll see you next time.

Support the show

56 에피소드

#Parenting #Kids And Families #Eric Yard #Podcasting Education #Self-Improvement #Financialliteracy #teachingmoney #childrenfirst #Money #Legacy #Investing #Wealth #Saving #Budget

모든 에피소드

Raising Financial Freedom

1
How a California Mom is Changing the Future of Money Management! 56:21

2일 전56:21

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56:21

Send us a text #055 Join us in this enlightening episode of 'Raising Financial Freedom' as we dive into the world of Anna Sergunina, a financial planner whose life’s work is dedicated to merging personal experiences with professional expertise. From the bustling economic backdrop of California to the quiet moments of teaching her son about money, Anna’s story is a captivating exploration of financial literacy as a lifelong journey. In This Episode, You Will Learn: The Impact of Geography on Financial Decisions: How does living in California influence Anna’s financial planning strategies for her clients? Financial Literacy as a Family Affair: Discover how Anna integrates financial education into her role as a mother and how these lessons transcend the family unit to broader life applications. Practical Financial Wisdom: Gain insights into simple yet effective ways to introduce financial concepts to young children, preparing them for a future of financial independence. Inspiration through Personal Journey: Learn about the pivotal moments in Anna’s career that shaped her approach to financial planning and client relationships. Featured Quote: "Navigating life’s financial waters doesn't just require a map, but a deep understanding of the currents that propel us forward." - Anna Sergunina Connect with Anna mainstreetplanning.com Money Boss Podcast Don’t Miss Out: If Anna’s story has sparked your curiosity or if you’re seeking more guidance on how to raise financially savvy children, be sure to check out the wealth of resources available at our website nurturingfinance.com , dedicated to helping parents cultivate financial independence in their children. Connect with Us: Listen to more empowering stories and expert advice by visiting raisingfinancialfreedom.com . Join our community to continue the conversation and share your own stories of financial discovery and freedom. Call to Action: If you found value in today’s episode, we’d love for you to visit our main site for more insightful content, or share this episode with other parents and guardians in your life. Together, we can make financial freedom a reachable goal for the next generation. Stay curious, stay informed, and most importantly, take action towards a financially free future! Dollars and Sense free bundle give away! Support the show…

Raising Financial Freedom

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Financial Freedom Lessons from Black History 11:58

19일 전11:58

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11:58

Send us a text #054 Imagine this: What if the next generation of Black children understood the secrets to building real generational wealth? What if they grew up inspired by the powerful history of Black entrepreneurs like Madam C.J. Walker and thriving communities like Tulsa’s Black Wall Street? What if they truly believed they could be next? In this Black History Month episode of Raising Financial Freedom , host Eric Yard dives into the untold stories of wealth-building in Black history, celebrating the resilience, brilliance, and entrepreneurial spirit of trailblazers who paved the way. This episode is more than inspiration—it’s a guide for parents to break cycles, rewrite narratives, and begin planting the seeds of generational wealth. Together, let’s honor the legacy of those who came before us by empowering the next generation to dream big and build a stronger financial future for their families and communities. What You’ll Learn in This Episode: The Story of Madam C.J. Walker: From washerwoman to the first African American self-made millionaire, Walker's journey teaches us about resilience, entrepreneurship, and giving back to the community. Black Wall Street: Discover the incredible tale of the Greenwood District, a thriving hub of Black excellence, and uncover the lessons it holds about collective financial strength and community support. Parenting Tips for Financial Literacy: Actionable ideas to teach kids, from saving in jars to introducing investing in familiar brands like Disney or Nike. Financial empowerment starts at home, one lesson at a time. The Importance of Supporting Black-Owned Businesses: Learn how to make an impact with every dollar your family spends and teach your kids the value of investing in their community. What can a washerwoman from the 1900s teach your kids about building wealth and legacy? How did a small Black community in Oklahoma become a model of financial excellence—and what does it mean for your family’s future? What does planting a seed have to do with teaching your kids about investing? Takeaways for Parents: Start small: Use simple conversations and activities to introduce the concept of money to toddlers and young kids. Teach investment early: Just like planting a seed, investing is about patience and growth—show your kids how to watch their money grow. Create a family mission: Make supporting Black-owned businesses part of your family’s routine and explain the bigger impact it has on the community. Why It Matters: This episode isn’t just about teaching kids to save or budget. It’s about empowering families to build financial legacies that last for generations. By combining the lessons of Black history with practical tips, Eric Yard is helping parents raise financially fearless kids who understand that money isn’t just a tool for personal gain—it’s a vehicle for creating freedom and equity for entire communities. Don’t Miss This Moment: Stay tuned for the captivating stories of Madam C.J. Walker and Black Wall Street—two powerful examples of what Black excellence in wealth-building looks like. These tales will inspire you and your family to dream bigger and act boldly. Join the Conversation: Connect with Raising Financial Freedom: Website: RaisingFinancialFreedom.com Email: info@raisingfinancialfreedom.com Social Media: Links available on the website Stay Updated: Don’t miss future episodes! Like, subs Support the show…

Raising Financial Freedom

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Teaching Kids About Budgeting: Simple Steps for Lifelong Impact 12:29

26일 전12:29

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12:29

Send us a text #053 00:00 – Introduction to the Episode Eric sets the stage with relatable scenarios about children spending impulsively and questions how parents can prepare kids for a future where money plays a big role. Today's topic: Teaching kids about budgeting and its potential to transform their lives. 01:45 – Welcome to Raising Financial Freedom Introducer introduces the podcast and its purpose: guiding parents on how to teach their children financial literacy to achieve lifelong success. 03:00 – Why Budgeting is Critical Eric explains why budgeting is a top priority even ahead of saving and investing. Budgeting helps children allocate income, plan for the future, and build confidence. Imagining a financially empowered future for your child. 06:15 – Reflecting on Your Own Financial Education Eric asks reflective questions about whether listeners were taught about money growing up. The importance of giving kids the tools to control money rather than being controlled by it. 08:30 – What is Budgeting and How to Teach It to Kids? Definition of budgeting: A simple plan for money allocation (save, spend, and goals). Practical tips for teaching budgeting to kids: For younger children: Use jars or envelopes labeled spend, save, share . For older children: Tracking expenses and creating mini-budgets for personal goals. 11:20 – Budgeting in Action: A Real-Life Story A story of an 8-year-old saving for an electric scooter using the jar system. Lessons learned: Pride in saving, the value of patience, and achieving goals. 13:05 – Teaching the Difference Between Needs and Wants A fun game for kids at the grocery store: Identifying needs vs. wants. The lesson: Prioritizing needs can give freedom to enjoy wants later. 15:00 – Saving Goals and Visual Motivation The importance of savings tied to exciting goals. Using visual aids: charts or thermometers to track progress toward savings milestones. 16:50 – Making Budgeting Fun Family challenges: Setting savings goals for everyone and celebrating progress. Apps and games for kids to learn money skills in engaging ways. 18:30 – 5 Tips to Teach Kids Budgeting Pay for Mistakes System Teach kids the consequences of overspending by making them earn back lost money with extra chores. Be the Family CEO for a Day Let kids manage a small budget for the family, e.g., planning meals or activities. Earn Allowance Through Unique Chores Assign special tasks beyond regular responsibilities and pay accordingly. Set Savings Goals with Visuals Create goal charts they can fill in as they save toward something exciting. Involve Kids in Real-Life Budgeting Include kids in family budgeting decisions like vacations or big purchases to teach them about financial planning. 23:15 – The Bigger Picture Eric highlights the long-term impact of teaching kids about budgeting: confidence, responsibility, and empowerment. Encouragement to start small and make lessons fun. 24:45 – Closing Remarks by Eric A call to action for parents: share the episode, subscribe to the podcast, and take small steps to teach financial literacy. 25:30 – Outro by Introducer Motivatio Support the show…

Raising Financial Freedom

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Teaching Kids to Save: Fun, Practical, and Actionable Steps 10:47

5 weeks 전10:47

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10:47

Send us a text #052 [0:00] - Introduction Speaker Eric kicks off the episode with an engaging question: How does the way we handle our money today affect our children’s financial future? Introduction to the main idea: Teaching kids about saving money and the long-term positive impact it can have. Highlights the importance of starting early and lays out the fun, practical tips that will be shared in the episode. [1:30] - Podcast Overview Introducer introduces Raising Financial Freedom , the podcast dedicated to empowering parents with tools to teach financial literacy to children. Sets the stage for today's discussion: Understanding how saving creates the foundation for habits like budgeting, avoiding debt, and achieving financial independence. [3:00] - Why Teaching Kids to Save is Critical Speaker 00 explains the importance of saving as an essential life skill. Examples of how lessons in saving build long-term habits (e.g., starting with toys, progressing to cars, homes, and retirement). Cites research that links early financial literacy with reduced debt, better emergency management, and smarter investing. [4:45] - Tip #1: Start Early Kids are naturally curious and absorb the behaviors they see. How starting lessons on saving during childhood increases the likelihood of these habits sticking. [6:15] - Tip #2: Make Saving Fun Ideas to make saving exciting for kids: Use clear jars instead of piggy banks to make savings visible. Create goal charts to track progress toward a specific purchase (like a toy). Gamify saving with creative activities (e.g., coloring charts, sorting "needs" vs. "wants"). [9:00] - Tip #3: Use Incentives How matching savings (e.g., giving 50 cents for every dollar saved) introduces children to the concept of "free money." Celebrating savings milestones with small rewards, both material (e.g., treats) and experiential (e.g., outings). [10:45] - Tip #4: Model Good Financial Behavior Kids learn by observing their parents' actions more than listening to their words. Ideas to demonstrate financial responsibility: Share your own savings goals (e.g., for vacations or large purchases). Practice delayed gratification and involve your kids in the decision-making process. Teach budgeting by involving kids during everyday tasks like grocery shopping. [13:30] - Tip #5: Teach Financial Concepts Start with simple concepts and build to more complex ones: Needs vs. Wants : Fun sorting games to help differentiate essentials from desires. Budgeting Basics : Allocating money for saving, spending, and giving. Compound Interest : How saving and earning interest can grow money over time. Example: Saving $100 with 5% annual interest results in $105 the following year. [16:15] - The Big Picture Speaker Eric reminds parents that saving isn't just about money—it’s about building discipline, responsibility, and long-term thinking. Highlight: Every small saving your child makes today is a building block for their financial independence. [17:30] - What’s Coming Next Preview of next week’s episode: How to Teach Kids About Budgeting . Key questions to be answered: How can you explain budgeting to kids in a way they’ll understand? How to teach prioritizing, planning, and spendin Support the show…

Raising Financial Freedom

1
Do Financial Literacy Programs Really Work? 12:47

6 weeks 전12:47

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리스트

12:47

Send us a text #051 In this episode, we take a deep dive into the world of financial literacy programs. Do these programs actually deliver on their promise to empower people with the skills to master their money? Or are they just a small part of a much larger financial puzzle? From personal stories of transformation to systemic challenges, we explore the inspiring benefits, overlooked challenges, and deeper truths about financial literacy education. Key Highlights: Why Financial Literacy Matters: Understanding money is more than just numbers; it's about choices, freedom, and securing your future. Personal reflections on how our own relationship with money impacts our children. The Transformative Power of Financial Literacy: Real-life story of how Samantha overcame credit card debt, built an emergency fund, and saved for a house through a financial literacy class. Benefits of financial literacy programs: Teaches critical money management skills (budgeting, saving, investing). Helps recognize and avoid financial scams or predatory loans. Reduces financial stress and improves mental health. The Challenges of Financial Literacy Programs: Accessibility: Many people who need these programs the most struggle to access them due to time, cost, or availability. Effectiveness: Knowledge doesn’t always translate to real-life application, especially when finances are tight. Bias: Some programs run by financial institutions may not always have the learner’s best interests in mind. Behavioral Barriers: Impulse spending, anxiety, and systemic issues like income inequality often go beyond what financial education can address. A Path Forward: Financial literacy programs should be combined with broader support systems, including financial counseling, affordable financial products, and policies that combat inequality. Making financial literacy accessible through free/low-cost classes, online resources, and community outreach. Encouraging listeners to share what they’ve learned about money to create a ripple effect of financial education. Actionable Takeaways: Take one small step today to improve your financial literacy—whether it’s creating a budget, setting financial goals, or signing up for a free financial education course. Share your financial knowledge with friends or children to help spread financial empowerment. Remember, progress matters more than perfection. Financial freedom is a journey, not a destination. Links and Resources : If you found this episode insightful, subscribe to the podcast, leave a review, and share it with someone who could benefit from it. Article: Pros and Cons of Financial Literacy Programs Free tool Bundle : Dollars and Sense Bundle Nurturing Finance for more information. Connect with Us: Website: RaisingFinancialFreedom.com Email: info@RaisingFinancialFreedom.com Social Media: Links available on the website Thank you for listening! Don’t forget to like, share, and subscribe. Be kind to yourself and others, and we’ll see you next time. Support the show…

Raising Financial Freedom

1
Empowering Kids to Earn: 100 Ways to Unlock Potential 9:55

8 weeks 전9:55

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리스트

9:55

Send us a text #050 In this episode of Raising Financial Freedom , host Eric Yard takes listeners on an inspiring journey to empower kids with financial independence. By teaching them how to earn money, kids not only discover the value of a dollar but also gain essential life skills like responsibility, confidence, problem-solving, and goal-setting. Eric shares actionable strategies and ideas for kids to start earning—whether they’re creative, tech-savvy, or full of energy. From traditional jobs like babysitting and lawn care to entrepreneurial ventures like selling art, running a lemonade stand, or even helping with social media, there’s something for every child. This episode emphasizes the importance of guiding, encouraging, and allowing kids the space to take ownership of their ideas. It also explores teaching money management through the save-spend-give method and letting kids learn from their financial mistakes. To inspire the young entrepreneurs in your life, Eric shares practical tips, anecdotes, and insights to get started, plus a link to an article with over 100 ideas for kids to earn money. Key Discussion Points : Why Earning Money Early Matters Building confidence, independence, and creativity. Teaching responsibility and life skills. Ways for Kids to Earn Money : Traditional Jobs : Babysitting, lawn mowing, shoveling snow. Creative Ventures : Selling art, putting on puppet shows, bake sales. Tech-Savvy Ideas : Social media content, video editing, selling thrift items online. Seasonal Jobs : Lemonade stands, gift-wrapping services, gardening. Money Management Basics : The Save-Spend-Give Method: Teaching balance in financial goals. Letting kids make mistakes and learn valuable lessons. Parental Role in Empowerment : Encourage and guide kids without doing the work for them. Provide opportunities for them to try and learn. The Bigger Picture : It’s not just about earning—it’s about empowerment and unlocking untapped potential. Links and Resources : Article : 100+ Ways for Kids to Earn Money Free tool Bundle : Dollars and Sense Bundle Nurturing Finance for more information Contact : Send your feedback or questions to info@raisingfinancialfreedom.com . Call to Action : Challenge : Share one idea from today’s episode with a child in your life and help plant the seed of possibility. Share the Episode : If today’s insights resonated with you, pass it along to a friend or family member. Social Media : Find and follow us on social media through links provided on RaisingFinancialFreedom.com . Ending Note : Thank you for listening to Raising Financial Freedom . Remember, empowering children today sets them up for a bright financial future tomorrow. Stay kind to yourself and others. Don’t forget to like and subscribe to stay up to date with future episodes. Support the show…

Raising Financial Freedom

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Building FinLit Reflex: Instinctive Financial Literacy for the Next Generation 7:30

13 weeks 전7:30

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리스트

7:30

Send us a text #049 In this enlightening episode of Raising Financial Freedom, we dive into the concept of "FinLit Reflex" – the instinctive financial knowledge and behaviors that can transform how the next generation manages money. Join us as we explore how parents can instill these crucial skills early in childhood, ensuring their children grow into financially savvy adults capable of navigating the complexities of today's consumer-driven world. Discover practical strategies for embedding financial literacy into everyday life, making it as second nature as common courtesy. Download Our Free eBook: Visit Dollar and Sense bundle to download "Money Matters for Busy Parents: Bite-sized Wisdom for Financial Success," complete with digital flashcards and a budget planner for kids. Read our full article on Fin-Lit Reflex Subscribe to Our Newsletter: Stay informed and gain access to exclusive content by subscribing to our email newsletter at Nurturing Finance . Connect with Us: Have questions or want to share your experiences? Email us at info@raisingfinancialfreedom.com . Stay Updated: Don’t miss future episodes! Like, subscribe, and hit the notification bell on your favorite podcast platform to stay fully up to date NurturingFinance.com Remember, as a parent, you are the first and last teacher your child sees every day. Start early, set the foundation, and watch them thrive financially forever. Support the show…

Raising Financial Freedom

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Return Back! 6:35

16 weeks 전6:35

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리스트

6:35

Send us a text #048 Raising Financial Freedom" is the essential podcast for parents, guardians, and caregivers committed to breaking the cycle of financial illiteracy. Host Eric Yard guides listeners through the critical aspects of teaching children about money management, investing, and financial independence – lessons often missing from traditional education. Each episode, released weekly on Fridays or Mondays, combines expert interviews and solo deep-dives to tackle the fundamentals of raising financially savvy kids. From savings strategies to investment basics, we provide practical tools and actionable advice that help bridge the financial literacy gap in our children's education. Understanding that only half of U.S. states mandate financial education in schools – and even then, just one class – we empower parents to take control of their children's financial future. Whether you're a seasoned investor or just starting your own financial journey, this show equips you with the knowledge and confidence to give your children the head start you wish you'd had. Join our growing community at RaisingFinancialFreedom.com and NurturingFinance.com , where you'll find additional resources, articles, and interactive features to support your family's financial education journey. New episodes drop weekly, running approximately 30 minutes – perfect for busy parents on the go. Because financial freedom isn't inherited – it's taught. Start building your child's financial foundation today. Support the show…

Raising Financial Freedom

1
How Can Your Child Avoid Student Loans with Brad Baldridge 41:31

3 years 전41:31

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41:31

Send us a text #047 With inflation and gas prices at an all-time high, it’s time for us to become more aware of our spending, avoid unnecessary expenses, and decrease the amount of debt we’re incurring. One of the major types of debt Americans incur comes in the form of student loans for higher education… and they often stick around for many years! So, how can we help our children avoid student loan debt? Today’s guest is going to teach you! Meet Brad Baldridge, a college funding specialist and college planning expert who helps parents navigate college planning and expenses through his private practice, blog, and his podcast, Taming the High Cost of College. In this episode, Brad explains why it’s so easy to get into student loan debt, how to find the best college for your budget, and realistic ways to help your child pay for college without incurring a large student loan debt. Is it worth going into debt for a college education? Listen in to hear Brad’s candid thoughts on the value of a college degree compared to skipping college and going right into the workforce. Plus, Brad shares a few tactics, like hiring a coach, that will help your kids plan their college education, pick their major(s), and get the most bang for their buck. “It’s a complicated game and you’ve got to understand the rules so that you can use the rules to your advantage… Colleges are a business. It’s their job to help you go to college but it’s not their job to keep your costs as low as possible.” - Brad Baldridge STAY TUNED FOR FINANCIAL LITERACY MONTH NEXT MONTH! If you enjoyed this podcast and know someone else who would benefit from it, we invite you to SHARE it & RATE/REVIEW it on our website , iTunes, Apple Podcasts, or wherever you’re tuning in from! Resources Mentioned: Listen to Taming the High Cost of College Visit Brad’s Blog Check out his college planning courses Connect with Brad on Facebook Support the show…

Raising Financial Freedom

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What is Your Why? 9:33

3 years 전9:33

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9:33

Send us a text #046 What do you know? We all back the month of February has just flown by what have you done this month? That is interesting. Are you still sticking to your new year's resolution? Because this is the time where everyone quits, some people quit and don't even realize that they quit. The reason I'm talking about this is because I had a conversation with a person about two weeks. And we was having a conversation about the show and he doesn't plan to teach his kids about any financial literacy. Doesn't have the time to do it at all. Now his main reason for this is because he figures that he grew up fine and his kids will grow up just fine. The thought he just feels flat out through the course of life. His children will just pick it up and we'll be okay, just like. So essentially for him, he did not have the why to go above and beyond to try to teach his children about financial literacy. And that's what we're going to talk about today. If you enjoyed this podcast and know someone else who would benefit from it, we invite you to SHARE it & RATE/REVIEW it on our website , iTunes, Apple Podcasts, or wherever you’re tuning in from! Stay tuned for more episodes coming your way! Support the show…

Raising Financial Freedom

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Trailer 0:59

3 years 전0:59

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0:59

Send us a text Support the show

Raising Financial Freedom

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Money Through The Eyes Of A Child 22:30

3 years 전22:30

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22:30

Send us a text #045 How do you make learning about finance fun and easy, especially for kids and beginners? We have someone very special to break it down for you… Meet Rishi Vamdatt, the 12-year-old personal finance educator and visionary behind Easy Peasy Finance, a kid-friendly resource that can be utilized by parents and educators alike to teach young minds about personal finance while keeping them engaged. Having started learning about finance at the age of 6, Rishi is now using financial strategies that some adults don’t even use or know about. In this episode, Rishi talks about his journey of learning about finance, his favorite money and finance books for kids, and how he’s applying his knowledge about investing for retirement. He also highlights the benefits of listening to the Easy Peasy Finance Podcast with your kids, the biggest challenges he has encountered along his financial education journey, and the results you can expect from investing your money for retirement. Then, Rishi shares a few simple action steps you can take to get your child or teenager involved in learning about money and finances. “Now, after these almost four years of Easy Peasy Finance, I’ve kind of learned a lot of things along the way and it’s a lot easier now than it was at the beginning.” - Rishi Vamdatt Rishi is 12 and he’s already planning for retirement?! Don’t let that intimidate you, though. Let that be inspiration and fuel for you to empower your kids to start making financial decisions early in life! It’s possible and it’s easier than you think. If you enjoyed this podcast and know someone else who would benefit from it, we invite you to SHARE it & RATE/REVIEW it on our website , iTunes, Apple Podcasts, or wherever you’re tuning in from! Stay tuned for more episodes coming your way! Resources Mentioned: Listen to the Easy Peasy Finance Podcast Subscribe to Rishi’s YouTube channel Learn more about Easy Peasy Finance I Will Teach You To Be Rich by Ramit Sethi Blue Chip Kids by David W. Bianchi The Kid’s Money Book by Jamie Kyle McGillian Support the show…

Raising Financial Freedom

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Helping And Teaching Real Estate To The Future 29:18

3 years 전29:18

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리스트

29:18

Send us a text #044 Is real estate a good form of investment for families? Should kids be learning about real estate from a young age? Spoiler! The answer is yes. Meet Whitney Chaffin, a speaker, investor, philanthropist, realtor, and mother who provides people with second chances through real estate. In this episode, Whitney talks about the first steps to take when teaching your kids about real estate investment and getting them involved in this wealth-building asset class. Whitney highlights the impacts she’s been able to make in her community as a result of her investments and shares powerful resources you can use to educate yourself about real estate investing. “The biggest thing is honestly personal development skills. As you get into the real estate side of things, you really learn who you are because this business is not easy… When you start to see how this business and these traits can really allow for you to have that financial freedom, it is very hard to go back to the workforce and so you get this motivation that you won’t settle.” -Whitney Chaffin Many people think that real estate is a rich person’s game, but as Whitney says, it’s not about being rich, it’s about being smart and thinking differently. Whether you want to invest in real estate, stocks, or cryptocurrency, financial literacy and education is the first step to financial freedom. Are you interested in learning how to invest in real estate and make it a part of your child’s financial freedom? Check out Whitney’s recommended resources below and connect with her to learn more! If you enjoyed this podcast and know someone else who would benefit from it, we invite you to SHARE it & RATE/REVIEW it on our website , iTunes, Apple Podcasts, or wherever you’re tuning in from! Stay tuned for more episodes coming your way! Resources Mentioned: Learn more about Whitney’s Place Learn more about Elite Legacy Education Join the Real Estate Mamas Donate to Place of Hope Follow Whitney on Instagram Email Whitney: whitneychaffin@legacyea.com Dollars and Sense free bundle give away! Support the show…

Raising Financial Freedom

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Empowering Women Through Life Hurdles 27:06

3 years 전27:06

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리스트

27:06

Send us a text #043 With divorce rates climbing and more women consciously choosing the singlelife, more women are providing for themselves (and often their children, too). Unfortunately, too many women are unprepared to take on financial responsibilities all by themselves… and it’s not necessarily their fault. As parents, it’s our responsibility to prevent that from happening to our daughters. Let’s empower the future generations of women to be financially confident and free! Here’s how… Today’s guest, Jayne Ellegard, is inspiring financial confidence in women by empowering them to take charge of their financial literacy and reach their financial goals. Jayne is the Founder and Coach at Ellegant Wealth, where she provides keynote speeches, workshops and coaching about financial education, specifically focused on women. In this episode of Raising Financial Freedom, Jayne teaches you how to teach your daughters about money and empower them to cultivate financial freedom. She highlights her journey to becoming an entrepreneur and insights she’s gained on how to raise confident and financially responsible daughters. “I want women to feel empowered around their financial situation and I do think that women haven’t been provided the education that we need and we don’t talk about it… When they gain confidence in this area, it also spreads into other aspects of their life.” - Jayne Ellegard Understanding money and finances isn’t as difficult as people think it is, so there needs to be a mindset shift so women can feel invited to the table to engage in conversation about wealth management. If you enjoyed this podcast and know someone else who would benefit from it, we invite you to SHARE & RATE it on iTunes, Apple Podcasts, or wherever you’re tuning in from! Take a few seconds to leave a REVIEW: https://raisingfinancialfreedom.com/reviews Stay tuned for more episodes coming your way! Resources Mentioned: Learn more about Ellegant Wealth: www.ellegantwealth.com Connect with Jayne on LinkedIn: www.linkedin.com/in/jayne-ellegard Financial Empowerment For Women by Jayne Ellegard: www.ellegantwealth.com/book-preorders Dollars and Sense free bundle give away! Support the show…

Raising Financial Freedom

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Teaching Your Teenager Financial Responsibility 34:16

3 years 전34:16

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리스트

34:16

Send us a text #042 How do you help teens become financially literate and make smart money moves before they reach adulthood? You have to get on their level and understand how they think… Meet Charla McKinley, a Certified Public Accountant (CPA) who homeschooled her kids and is now teaching teens about money. In this episode, Charla talks about how to teach your teenagers about financial literacy, using and saving money wisely, and how adulting really works. She sheds light on why kids need different types of financial literacy curriculums based on their age, as well as how each child can benefit from tailored lessons based on their personality. Plus, Charla shares tactics you can use to teach your kids about the reality of adulting, the value of money, and being prepared for the workforce. “Experience is the best teacher. It’s just that… when I learned, I wasted tens of thousands of dollars… If they learn it when they’re teenagers and it’s fake money, then hopefully when it’s real money, by the time they’re in their 20s, they’re a lot more wise.” - Charla McKinley Sadly, personal finance isn’t a topic commonly taught in American school systems, but as parents, we have the power to give our kids the financial literacy needed to have a successful, happy life. Listen in to learn how to provide your kids with practical lessons based on real life scenarios. If you enjoyed this podcast and know someone else who would benefit from it, we invite you to SHARE it & RATE/REVIEW it on iTunes, Apple Podcasts, or wherever you’re tuning in from! Stay tuned for more episodes coming your way! Links Mentioned: Beyond Personal Finance: https://bpfclass.com/ Linked In: https://www.linkedin.com/company/beyond-personal-finance Facebook: https://www.facebook.com/beyondpersonalfinance Instagram: https://www.instagram.com/beyondpersonalfinance/ Dollars and Sense free bundle give away! Support the show…