Money Peach

Wow. What an incredible success journey from Melinda Gray, a school teacher from Seattle. Melinda started following the Money Peach blog a little over a year ago and on January 28th, 2016, she sent me an email asking me for some advice. A few days later I replied to her email and told her what I would do if I were in her shoes...and SHE ACTUALLY DID IT! A year later she had taken the advice and paid off just over $44k and is now DEBT FREE. BUT FIRST...before we jump into an incredible success story, let’s answer this simple question: What does it take to win with money? Show notes, links, and anything else mentioned in this episode can be found here: http://moneypeach.com/session31  

Ben Arredondo - Firefighter and Founder of The Envision Real Estate Team in Gilbert, Arizona. For those of you who didn’t know, alongside running the Money Peach Blog, Podcast and Awesome Money Course, I am also a full-time firefighter in Phoenix, Arizona. My guest on the show today is also a full-time firefighter and a very successful real estate agent. Some of his accolades are:   Top 40 under 40 Real Estate Agents 4 Years in a Row $30 Million in Homes Sold in 2016 Ranked #31 out of 40,000 agents across Arizona I bring Ben on the show to tell his story. He comes from extremely humble beginnings and has built up a real estate business that is simply impressive. He has a very unique view on debt, the power of paying cash, on saving for retirement, and learning to live on less than you make. www.moneypeach.com/session30

“Seth” - my very own financial advisor - comes on to say what most advisors won't. Since most professionals in the financial industry are so highly regulated, “Seth” agreed to come on the show if we kept his identity a secret. Now that he's anonymous, he is able to drop a ton of value including what you should be asking your advisor, how fees are structured, and some of the biggest mistakes he sees new clients make. As a BONUS, this episode comes with a PDF Cheat Sheet I asked “Seth” create, which will come in very handy when you're getting ready to interview your next advisor. At the end of the episode, you'll have a much better understanding of how financial advisors are paid, common fees you can expect, and what you should not be paying for at all. Check out all the show notes from this episode and grab the PDF Cheat Sheet at www.moneypeach.com/session29  

Carrie Weinberg - the very first winner of the Money Peach 500 Challenge and $500 Giveaway. She talks about her experience with saving $500 in a month and what she plans to do with the $500 she saved AND the $500 cash she just won! Justin Haines - from ElectricLoanOfficer.com explains mortgages, refinances, and why it is important to have a trusted loan officer before you make the largest expense in your lifetime; a mortgage. Check out all the show notes from this episode at www.moneypeach.com/session28    

Jose Anaya from the fintech startup company Evoshare comes on the show to talk about a cash back program that dumps cash back money into your retirement funds or towards your student loans. I really love this program because it's a painless way to add money for retirement (or student loan debt) for shopping at the same places you already are shopping at. Next, Brandi asks a question about the ROTH IRA and I break down exactly how the ROTH works, why it is highly recommended for all investors, and what you should know before you get started with your own. Rest of show notes at: http://moneypeach.com/session27

Today's episode is absolute full of it. I start us off with a little rant on celebrities and their opinions, millennials drinking coffee for retirement and my problem with the latte factor. Next we we jump right into a GREAT question from a listener on leasing cars. Have you ever wondered why every car commercial now sells a lease? There is a reason why and it's costing you way more than you could imagine. It's time to break down the car lease so you 100% understand why leasing is the most expensive way to operate any vehicle. http://moneypeach.com/session26

There is a moment in life when your teenager assumes they apparently know everything under the sun, but you still aren't done trying to teach them about the one thing that will touch every aspect of their lives: money. This is exactly why I put together the 7 things you MUST be doing right now to turn your teenagers into debt-avoiding, wealth-minded, future millionaires. The choices you are making right now will have dramatic effects on your life in the future and the future financial habits of your know-it-all teenager. The surprising thing is this: their financial wisdom (or lack thereof) started and ends with you. When you throw a boomerang out in to the world, we anticipate it to come back. When we fail to really teach our teens how to manage money, they leave for college and come back living in your basement as just like a boomerang. Instead of unintentionally creating a boomerang generation, why not instead teach your teenagers how to leave home with a solid foundation to build a life worth living, a

One of the questions I get all the time is, "Peach, how did you get your wife on board with your money plan?" First off - HA! You don't know my wife...she doesn't just get on board like that. There was a lot of trial and error, a few hiccups, and in the end we won with our money together. Therefore, I brought my wife Andrea on the show to give you her perspective on: What it takes to get on board, the struggles we faced, what she did that changed everything, and what life is like now we are debt free. You can see all the show notes here http://moneypeach.com/session24

Today on the show I bring on an expert on health insurance and most importantly: The Affordable Care Act. My guest, Jennifer Fitzgerald, is the CEO of PolicyGenius, by far the best website I have come across in regards to health insurance, life insurance, long term disability insurance, and finding the best policy for you. With the Affordable Care Act deadline rapidly approaching, Jennifer explains what you should know in terms we can all understand and what is your best options BEFORE you enroll. Don't always go with what looks the cheapest at first glance. Instead, there are things you should be looking for that Jennifer will explain. Grab the rest of the show notes here: http://moneypeach.com/session23

Have you ever wondered about becoming a driver for Uber or Lyft? Good News! I was able to sit down with one of the most respected gurus in the field of ridesharing, Harry Campbell from therideshareguy.com. Harry has been featured in the NY Times, Business Insider, Forbes, and just recently was featured in Reddit as the go-to source for everything Uber and Lyft driving. Harry shares how and why he got started, and what you must know before deciding to become a driver in your area. Most importantly, Harry explains how Uber and Lyft is the only platform where you can start making money right away and have the flexibility of working when you want and from anywhere with the press of a button on your mobile app." http://www.moneypeach.com/session22

The Christmas Walk of Shame is a long, drawn out process. It involves you overspending to the point where you are still paying off your last Christmas splurge in August the next year. Instead of becoming another rat in the wheel for banks and retailers, I go over the 7 things you should be doing so Christmas doesn't follow your walk of shame for the next 9 months. Full episode notes and resources can be found at http://moneypeach.com/session21

Money comes from work. This week I interview Brooklyn, a teenpreneur who decided to start her own business at age 14. She shares her why, her how, and what it takes to balance going to school full time, running her business, and being a teenager. Yes, you can take your idea, take action, and generate income - just ask Brooklyn. http://www.moneypeach.com/session20

More people will shop online for Christmas this year than ever before. Before you shop, you must know these 7 online shopping hacks to add more money back into your wallet and less money into the online shopping cart. Bonus: My favorite Christmas song and a tiny rant at the end! http://moneypeach.com/session19

The problem isn't the overdraft fees, the problem is you and I. Today I share a sneaky little trick the banks are using to hit you hard when you overdraft. I also show you how to avoid these fees and then finish up with a rant that you'll be sure to enjoy! Stop living paycheck-to-paycheck. Take back control of your money like so many of my students have by visiting https://www.awesomemoneycourse.com

Monthly healthcare premiums inside the Affordable Care Act will increase 20% - 176% on average depending on where you live. The good news: You have a much better option with health share plans. In this episode, I interview an expert from a health sharing ministry to explain how they work, how you can save, and what you can do to open the doors to incredible savings using health sharing to cover medical expenses. For more details, visit http://moneypeach.com/session17

Struggling to save money? I have you covered this week with an interview from Mike Lenz who is the founder of the App TIP YOURSELF. Mike says, "You tip everyone else but why not tip yourself?" Instead coming up short each month with setting aside a little cash, Mike will walk us through the step-by-step process for using this FREE app so you can save money, stay motivated, and reward yourself for things you are already doing. For links and resources, make sure to stop by the show notes (and say HI while you're at it): http://www.moneypeach.com/session16

Open enrollment for health insurance started this week for just about everyone. Therefore, this week's episode breaks down health insurance and explains how you can (and should) start using tax-free dollars for medical expenses using a Health Savings Account. Instead of letting the government explain it to you, let me break it down into everyday terms that we can all understand! Grab the entire show notes here: http://www.moneypeach.com/session15

Caleb started selling gumballs from a machine at age 4. Now age 10, Caleb earns about $100 a month from his machines. Caleb and his father created a kids book they hope will teach others about ASSETS, SAVINGS, INVESTING, and CHARITY - things we all wish we had learned at an earlier age (am I right?)   Learn more and grab the rest of the show notes at: http://www.moneypeach.com/session14     To help fund this book launch campaign, visit http://calebsgumballmachine.com

This week on the Money Peach Podcast, I am interviewing Holly and Greg Johnson from the award winning blog ClubThifty.com. Holly and Greg started their blog in 2012 with their motto: "Stop Spending. Start Living". When they started their blog, they were both working the corporate America 9-5 when they began to realize....they could actually make a full-time living from their blog! Over the past four years, Holly and Greg have turned their little hobby into a business that generates over $20k every month while working part time and working from anywhere in the world. However, the reason I brought them on the show was to share with you one of the clever ways they were able to make money right away and even grow their own brand - freelance writing. In this week's episode, Holly and Greg will share with you how anyone who is passionate about writing, can start earning money by writing for blogs all over the world and from wherever you can bring your laptop and connect to the internet.  BONUS: They are throwing in

In this week's episode of the Money Peach Podcast, you and I are going to look deep into the opportunity cost. Popular culture and society tells us that procrastination is okay and we accept it. We will lose weight later, we will exercise more later, we will pencil in a date night later, and we will pay attention to our money later. Here's the problem: money is less forgiving. During this episode, I am going to shock you when you see how making tiny adjustments in our daily lives with money will have enormous results on your life, money, and your future. The term a little goes a long way is not cliche today; it's reality. http://www.moneypeach.com/session12