Joint Accounts? Rent vs Buy? $100K Income? We Break It ALL Down | Episode 055

057: 10 Money Questions Everyone Gets Wrong

Those small money habits that seem harmless? They’re slowly pulling you off course. In this episode, Lauren and Nick break down 10 of the most common money questions — from budgeting and debt payoff to credit scores, investing, buying a home, and more. 0:00 – The “1° Rule” 1:19 – Credit cards: should you really have one? 3:58 – How to build a budget that actually works 7:50 – Buying a home: what to know before you’re ready 11:50 – What should you be investing in? 15:44 – Paying off credit card debt the realistic way 20:56 – How couples should manage their money (different styles, same goals) 23:02 – Smartest ways to pay for college ––––––– Sign up for 1:1 Financial Coaching here: https://justanothermoneypodcast.com/coaching [https://justanothermoneypodcast.com/coaching] Want to have your money questions answered on our show? Submit your questions below:  https://justanothermoneypodcast.com/submit-a-question [https://justanothermoneypodcast.com/submit-a-question] Reach us directly on Instagram @moneycoachlauren or @habitfinances

056: Homeownership, Investing, Kids… How Do You Know You’re Ready?

Big life decisions get expensive fast — investing, buying a home, starting a family. In this episode, Lauren and Nick break down how to know if you’re truly financially ready and what most people overlook. 0:00 – Intro 2:58 – Why home “affordability” keeps getting worse 5:40 – Are you actually ready to start investing? 11:23 – Riding the market roller coaster without panicking 16:09 – How to know you’re financially ready to buy a home 25:02 – The real costs of starting a family (and how to prepare) ––––––– Sign up for 1:1 Financial Coaching here: https://justanothermoneypodcast.com/coaching [https://justanothermoneypodcast.com/coaching] Want to have your money questions answered on our show? Submit your questions below:  https://justanothermoneypodcast.com/submit-a-question [https://justanothermoneypodcast.com/submit-a-question] Reach us directly on Instagram @moneycoachlauren or @habitfinances

Joint Accounts? Rent vs Buy? $100K Income? We Break It ALL Down | Episode 055

Are people "doing money wrong"? In this week's episode, Lauren and Nick break down three of the most controversial money debates: joint vs. separate bank accounts, renting vs. buying, and whether $100K is still a “good income.” 0:00 – Why small purchases do matter 0:39 – Joint vs. separate bank accounts: what actually works 5:58 – The hybrid system most couples should consider 10:23 – Renting vs. buying: the most misunderstood debate 15:59 – The hidden costs of homeownership 22:45 – Is $100K still a good income? ––––––– Sign up for 1:1 Financial Coaching here: https://justanothermoneypodcast.com/coaching [https://justanothermoneypodcast.com/coaching] Want to have your money questions answered on our show? Submit your questions below:  https://justanothermoneypodcast.com/submit-a-question [https://justanothermoneypodcast.com/submit-a-question] Reach us directly on Instagram @moneycoachlauren or @habitfinances

The Debt Mistakes Keeping You Broke | Episode 054

In this week's episode, Lauren and Nick upack three of the most controversial personal finance debates.  0:00 – Intro: Why money topics get so polarizing 1:31 – “Can I still splurge while paying off debt?” 5:18 – Why the “little splurges” often cause big setbacks 7:15 – Consistency vs. all-or-nothing: finding the right balance 8:49 – Discomfort, mindset shifts, and breaking spending habits 10:25 – New vs. Used Cars in 2025: what actually makes financial sense 13:18 – Depreciation, interest rates & real-world car buying stories 17:32 – When buying NEW does make sense (and when it doesn’t) 22:04 – Is college a scam? The real ROI conversation 23:24 – How to make college affordable without ruining your future 25:19 – Degrees vs. skills: what employers are shifting toward 33:14 – Why Gen Z might be the first to get college right ––––––– Sign up for 1:1 Financial Coaching here: https://justanothermoneypodcast.com/coaching [https://justanothermoneypodcast.com/coaching] Want to have your money questions answered on our show? Submit your questions below:  https://justanothermoneypodcast.com/submit-a-question [https://justanothermoneypodcast.com/submit-a-question] Reach us directly on Instagram @moneycoachlauren or @habitfinances

053: Do THIS If You're Stressed With Money

Feeling stressed about money? In this week’s episode, Lauren and Nick break down three real-world money scenarios — from living paycheck to paycheck on six figures, to being buried in debt and shame, to feeling anxious about money even when everything looks “perfect” on paper. 0:00 – Intro 1:35 – Making six figures but still broke 4:00 – Lifestyle creep, debt cycles, and hard choices 10:00 – Debt shame and anxiety: why mindset matters more than math 14:30 – Breaking the guilt loop and rebuilding your plan 22:00 – “We only eat out once a week…” (why small leaks sink big ships) 23:50 – When your finances are fine, but you’re still stressed 26:30 – Learning to spend without guilt 33:00 – How to stop overanalyzing and actually enjoy your money 35:00 – Final thoughts + how to get your questions on the show ––––––– Sign up for 1:1 Financial Coaching here: https://justanothermoneypodcast.com/coaching [https://justanothermoneypodcast.com/coaching] Want to have your money questions answered on our show? Submit your questions below:  https://justanothermoneypodcast.com/submit-a-question [https://justanothermoneypodcast.com/submit-a-question] Reach us directly on Instagram @moneycoachlauren or @habitfinances