Welcome to 'The New Money Habits Podcast.' In this episode, Coach Nino and Sarah discuss a remarkable client case study featuring a single mother with an adult child living at home. They explore the financial dynamics of this unique situation and discuss a significant point—encouraging parents to charge adult children rent, a practice that not only eases financial burdens but also instills dignity and responsibility. Join them as they navigate through the complexities of this scenario, offering insights, real-life examples, and practical advice for parents seeking financial balance while empowering their adult children. This episode is a must-listen for parents in similar situations and anyone interested in fostering a sense of responsibility and financial independence. Don't forget to subscribe, leave a review, and share this episode with others who may benefit from this valuable perspective.  👉 Have questions for the hosts? Submit them to: podcast@newmoneyhabits.com 👉 Join our FREE Facebook Group of like-minded people:  www.facebook.com/groups/newmoneyhabits ⤵️  Download our FREE Basic Budget Worksheet: www.newmoneyhabits.com/budgeteers/helpful-tools 📞 Schedule a FREE call with Coach Nino or Sarah: www.newmoneyhabits.com/budgeteers/contact ✅ Take your first step toward creating new money habits with our online course: How to Create a Better Budget: Your Foundation to Financial Freedom: www.newmoneyhabits.com/bootcamp 🎵 Music by Summer School @newmoneyhabits / @KUWTJFC

Welcome to 'The New Money Habits Podcast.' In this episode, Coach Nino Villa and Sarah Jones react to an insightful article by Victoria Cavazos, where she shares her experiences paying off a significant amount of student debt during the pandemic, only to express regrets later. Join the conversation as our hosts dive into the article's content, dissecting the financial and emotional aspects of paying off student debt. This episode is a must-listen for anyone dealing with student loans, seeking different perspectives on managing debt, and learning from real-life experiences. Subscribe, leave a review, and share this episode with friends and family who may be facing student debt challenges.  👉 Have questions for the hosts? Submit them to: podcast@newmoneyhabits.com 👉 Join our FREE Facebook Group of like-minded people:  www.facebook.com/groups/newmoneyhabits ⤵️  Download our FREE Basic Budget Worksheet: www.newmoneyhabits.com/budgeteers/helpful-tools 📞 Schedule a FREE call with Coach Nino or Sarah: www.newmoneyhabits.com/budgeteers/contact ✅ Take your first step toward creating new money habits with our online course: How to Create a Better Budget: Your Foundation to Financial Freedom: www.newmoneyhabits.com/bootcamp 🎵 Music by Summer School @newmoneyhabits / @KUWTJFC

Welcome to The New Money Habits Podcast. In this episode, Coach Nino Villa and Sarah Jones embark on another real-life client case study, shining a light on the financial journey of a married couple without kids. Discover how this couple navigates their unique financial landscape, making decisions that set them on a path to financial success. Nino and Sarah explore their income, expenses, and financial goals, offering valuable lessons and actionable strategies for managing finances as a childless married couple. Whether you're in a similar situation or simply seeking to gain financial wisdom, this episode provides essential insights and practical advice. Join us to learn how to make the most of your financial situation, whether it's about saving, investing, or planning for the future. Discover the actionable steps you can take to increase your surplus and effectively manage your money to achieve your financial goals.  👉 Have questions for the hosts? Submit them to: podcast@newmoneyhabits.com 👉 Join our FREE Facebook Group of like-minded people:  www.facebook.com/groups/newmoneyhabits ⤵️  Download our FREE Basic Budget Worksheet: www.newmoneyhabits.com/budgeteers/helpful-tools 📞 Schedule a FREE call with Coach Nino or Sarah: www.newmoneyhabits.com/budgeteers/contact ✅ Take your first step toward creating new money habits with our online course: How to Create a Better Budget: Your Foundation to Financial Freedom: www.newmoneyhabits.com/bootcamp 🎵 Music by Summer School @newmoneyhabits / @KUWTJFC

Welcome to a festive episode of 'The New Money Habits Podcast.' Tis the season, and in this installment, Coach Nino and Sarah have the perfect gift for you – a practical plan for managing the holidays with financial finesse. Get ready to unwrap a treasure trove of smart holiday budgeting tips that will help you navigate the season's expenses without the stress. From gift shopping strategies to creating a memorable yet budget-friendly holiday experience, we've got you covered. Join us in this jolly discussion and let's make this holiday season not just joyful, but financially rewarding too. Subscribe, share the episode, and spread the holiday cheer! For more holiday budgeting resources and insights, visit our website newmoneyhabits.com. Stay tuned for more money-smart episodes coming your way.    👉 Have questions for the hosts? Submit them to: podcast@newmoneyhabits.com 👉 Join our FREE Facebook Group of like-minded people:  www.facebook.com/groups/newmoneyhabits ⤵️  Download our FREE Basic Budget Worksheet: www.newmoneyhabits.com/budgeteers/helpful-tools 📞 Schedule a FREE call with Coach Nino or Sarah: www.newmoneyhabits.com/budgeteers/contact ✅ Take your first step toward creating new money habits with our online course: How to Create a Better Budget: Your Foundation to Financial Freedom: www.newmoneyhabits.com/bootcamp 🎵 Music by Summer School @newmoneyhabits / @KUWTJFC

Welcome to The New Money Habits Podcast. In this episode, join Coach Nino Villa and Sarah Jones as they dive into a real-life client case study, dissecting the financial situation to determine whether the client is managing a surplus or deficit. They leave no stone unturned, discussing income, expenses, and debt, offering valuable insights into financial assessment and management. If you're looking to take control of your finances, this episode is a must-listen. Discover the actionable steps you can take to increase your surplus and effectively manage your money to achieve your financial goals.  👉 Have questions for the hosts? Submit them to: podcast@newmoneyhabits.com 👉 Join our FREE Facebook Group of like-minded people:  www.facebook.com/groups/newmoneyhabits ⤵️  Download our FREE Basic Budget Worksheet: www.newmoneyhabits.com/budgeteers/helpful-tools 📞 Schedule a FREE call with Coach Nino or Sarah: www.newmoneyhabits.com/budgeteers/contact ✅ Take your first step toward creating new money habits with our online course: How to Create a Better Budget: Your Foundation to Financial Freedom: www.newmoneyhabits.com/bootcamp 🎵 Music by Summer School @newmoneyhabits / @KUWTJFC

Welcome to 'The New Money Habits Podcast.' Join hosts Coach Nino Villa and Sarah Jones along with special guest Kelly Kellem, a College Admissions and Funding Strategist, as they tackle the complex issue of paying for college while keeping student loans to a minimum. In this episode, they explore various strategies to secure scholarships, engage in work-study programs, and access other financial resources that help reduce the burden of student loans. This episode is a must-listen for anyone seeking a financially sound college experience.  👉 Have questions for the hosts? Submit them to: podcast@newmoneyhabits.com 👉 Join our FREE Facebook Group of like-minded people:  www.facebook.com/groups/newmoneyhabits ⤵️  Download our FREE Basic Budget Worksheet: www.newmoneyhabits.com/budgeteers/helpful-tools 📞 Schedule a FREE call with Coach Nino or Sarah: www.newmoneyhabits.com/budgeteers/contact ✅ Take your first step toward creating new money habits with our online course: How to Create a Better Budget: Your Foundation to Financial Freedom: www.newmoneyhabits.com/bootcamp 🎵 Music by Summer School @newmoneyhabits / @KUWTJFC

Welcome to 'The New Money Habits Podcast.' Coach Nino Villa and Sarah Jones are joined by special guest Kelly Kellem, a College Admissions and Funding Strategist. In this episode, the trio discusses valuable strategies for saving money on college expenses. Learn how to find the 'right fit' school that aligns with your academic and financial goals, and discover the secrets to earning merit aid through your grades and extracurricular activities. This episode is a treasure trove of advice for students and parents alike, looking to make the most out of their college experience without breaking the bank. Remember to subscribe, review, and share this episode with students, parents, and anyone interested in higher education financial planning. Stay tuned for the next episode, where we continue our exploration of college financing strategies.  👉 Have questions for the hosts? Submit them to: podcast@newmoneyhabits.com 👉 Join our FREE Facebook Group of like-minded people:  www.facebook.com/groups/newmoneyhabits ⤵️  Download our FREE Basic Budget Worksheet: www.newmoneyhabits.com/budgeteers/helpful-tools 📞 Schedule a FREE call with Coach Nino or Sarah: www.newmoneyhabits.com/budgeteers/contact ✅ Take your first step toward creating new money habits with our online course: How to Create a Better Budget: Your Foundation to Financial Freedom: www.newmoneyhabits.com/bootcamp 🎵 Music by Summer School @newmoneyhabits / @KUWTJFC

In this episode of 'The New Money Habits Podcast,’ Coach Nino Villa and Sarah Jones host special guest Kelly Kellem, a College Admissions and Funding Strategist. Together, they dive into the essential topic of talking to your kids about college and why higher education isn't the only path to success. Discover valuable insights on how to engage in meaningful conversations with your children about their educational futures and explore alternative options that align with their goals and passions. If you're a parent or guardian navigating the college admissions landscape, this episode is a must-listen. Subscribe, leave a review, and share this episode with fellow parents to help them support their children in making informed decisions. Stay tuned for the next episode, where we continue our discussion on college financial strategies.  👉 Have questions for the hosts? Submit them to: podcast@newmoneyhabits.com 👉 Join our FREE Facebook Group of like-minded people:  www.facebook.com/groups/newmoneyhabits ⤵️  Download our FREE Basic Budget Worksheet: www.newmoneyhabits.com/budgeteers/helpful-tools 📞 Schedule a FREE call with Coach Nino or Sarah: www.newmoneyhabits.com/budgeteers/contact ✅ Take your first step toward creating new money habits with our online course: How to Create a Better Budget: Your Foundation to Financial Freedom: www.newmoneyhabits.com/bootcamp 🎵 Music by Summer School @newmoneyhabits / @KUWTJFC

Do you let your emotions drive the way you manage money? Discover practical strategies to maintain a healthy emotional relationship with your finances. Coach Nino and Sara discuss the importance of self-awareness, mindfulness, and practical exercises to cultivate a positive money mindset. Through personal stories and expert advice, we aim to empower you to navigate the emotional terrain of money and make sound financial choices.  👉 Have questions for the hosts? Submit them to: podcast@newmoneyhabits.com 👉 Join our FREE Facebook Group of like-minded people:  www.facebook.com/groups/newmoneyhabits ⤵️  Download our FREE Basic Budget Worksheet: www.newmoneyhabits.com/budgeteers/helpful-tools 📞 Schedule a FREE call with Coach Nino or Sarah: www.newmoneyhabits.com/budgeteers/contact ✅ Take your first step toward creating new money habits with our online course: How to Create a Better Budget: Your Foundation to Financial Freedom: www.newmoneyhabits.com/bootcamp 🎵 Music by Summer School @newmoneyhabits / @KUWTJFC

In this essential episode of The New Money Habits Podcast, guest Kristine Stevenson dives deep into the world of tax planning for the gig economy. Whether you're pursuing a side hustle or considering starting your own business, this episode is your go-to guide for navigating the financial landscape. Join us for this episode of The New Money Habits Podcast and empower yourself with the knowledge and tools needed to thrive in the gig economy. Tune in today and embark on your journey toward financial success and security in the ever-evolving world of gig work. Contact Kristine Stevenson:  👉 www.kristinestevensonea.com 📲 Phone: 737-234-0196 📚 Book: How to Avoid Trouble with the IRS: 10 Best Tax Tips For the Self-Employed, Gig-Worker, and Indie-Contractor  👉 Have questions for the hosts? Submit them to: podcast@newmoneyhabits.com 👉 Join our FREE Facebook Group of like-minded people:  www.facebook.com/groups/newmoneyhabits ⤵️  Download our FREE Basic Budget Worksheet: www.newmoneyhabits.com/budgeteers/helpful-tools 📞 Schedule a FREE call with Coach Nino or Sarah: www.newmoneyhabits.com/budgeteers/contact ✅ Take your first step toward creating new money habits with our online course: How to Create a Better Budget: Your Foundation to Financial Freedom: www.newmoneyhabits.com/bootcamp 🎵 Music by Summer School @newmoneyhabits / @KUWTJFC

In this informative episode of The New Money Habits Podcast, guest Kristine Stevenson dives into the realm of tax planning for W2 employees. Join us as we explore the crucial decision of whether to owe taxes or receive a refund and how a mere $100 can make all the difference on your ideal tax return. We discuss the common misconception of receiving a large tax refund, shedding light on the fact that it essentially means giving the government an interest-free loan throughout the year. On the flip side, this forced savings method serves as a financial lifeline for many Americans, helping them pay off debts and secure their financial future. Discover the steps to take control of your tax planning, including adjusting your W-4 and using the IRS withholding estimator tool to optimize your withholding. We also provide a real-life client example to illustrate the process. Don't miss this episode of The New Money Habits Podcast, where we empower you to make informed decisions about your tax planning as a W2 employee. Learn how to take charge of your finances and maximize your financial well-being. Tune in today! Contact Kristine Stevenson:  👉 www.kristinestevensonea.com 📲 Phone: 737-234-0196 📚 Book: How to Avoid Trouble with the IRS: 10 Best Tax Tips For the Self-Employed, Gig-Worker, and Indie-Contractor  👉 Have questions for the hosts? Submit them to: podcast@newmoneyhabits.com 👉 Join our FREE Facebook Group of like-minded people:  www.facebook.com/groups/newmoneyhabits ⤵️  Download our FREE Basic Budget Worksheet: www.newmoneyhabits.com/budgeteers/helpful-tools 📞 Schedule a FREE call with Coach Nino or Sarah: www.newmoneyhabits.com/budgeteers/contact ✅ Take your first step toward creating new money habits with our online course: How to Create a Better Budget: Your Foundation to Financial Freedom: www.newmoneyhabits.com/bootcamp 🎵 Music by Summer School @newmoneyhabits / @KUWTJFC

Providing financial support to your children when you are struggling yourself, isn’t helping anyone. Sinking your own ship in the hope you save your children is actually sinking everyone's ship. Hard to hear! Most often when this happens, we have allowed emotion to take over the decision making process and end up wishing we had made a different decision.  👉 Have questions for the hosts? Submit them to: podcast@newmoneyhabits.com 👉 Join our FREE Facebook Group of like-minded people:  www.facebook.com/groups/newmoneyhabits ⤵️  Download our FREE Basic Budget Worksheet: www.newmoneyhabits.com/budgeteers/helpful-tools 📞 Schedule a FREE call with Coach Nino or Sarah: www.newmoneyhabits.com/budgeteers/contact ✅ Take your first step toward creating new money habits with our online course: How to Create a Better Budget: Your Foundation to Financial Freedom: www.newmoneyhabits.com/bootcamp 🎵 Music by Summer School @newmoneyhabits / @KUWTJFC

In this insightful episode of The New Money Habits Podcast, Coach Nino and Sarah come together to discuss a powerful theme: "You were made for community." Join us as we delve into the profound impact that community has on our financial and personal growth journeys. Coach Nino and Sarah share their perspectives on the importance of surrounding ourselves with like-minded individuals who uplift, support, and inspire us. Discover how the power of community can play a transformative role in achieving financial goals, fostering accountability, and amplifying our success. 👉 Have questions for the hosts? Submit them to: podcast@newmoneyhabits.com 👉 Join our FREE Facebook Group of like-minded people:  www.facebook.com/groups/newmoneyhabits ⤵️  Download our FREE Basic Budget Worksheet: www.newmoneyhabits.com/budgeteers/helpful-tools 📞 Schedule a FREE call with Coach Nino or Sarah: www.newmoneyhabits.com/budgeteers/contact ✅ Take your first step toward creating new money habits with our online course: How to Create a Better Budget: Your Foundation to Financial Freedom: www.newmoneyhabits.com/bootcamp 🎵 Music by Summer School @newmoneyhabits / @KUWTJFC

Join Coach Nino and Sarah in a thought-provoking episode of The New Money Habits Podcast as they react to a striking Internet claim: "75% of Americans have a net worth less than $12,500." In this engaging discussion, our hosts delve deep into the numbers, dissecting the claim to uncover its accuracy and implications.   👉 Have questions for the hosts? Submit them to: podcast@newmoneyhabits.com 👉 Join our FREE Facebook Group of like-minded people:  www.facebook.com/groups/newmoneyhabits ⤵️  Download our FREE Basic Budget Worksheet: www.newmoneyhabits.com/budgeteers/helpful-tools 📞 Schedule a FREE call with Coach Nino or Sarah: www.newmoneyhabits.com/budgeteers/contact ✅ Take your first step toward creating new money habits with our online course: How to Create a Better Budget: Your Foundation to Financial Freedom: www.newmoneyhabits.com/bootcamp 🎵 Music by Summer School @newmoneyhabits / @KUWTJFC

In this raw and candid episode of The New Money Habits Podcast, Coach Nino and Sarah open up about their personal financial journeys in "Coaches' Confessions." Join us as they share their honest and unfiltered stories, showcasing that even financial experts face their own challenges and vulnerabilities.   👉 Have questions for the hosts? Submit them to: podcast@newmoneyhabits.com 👉 Join our FREE Facebook Group of like-minded people:  www.facebook.com/groups/newmoneyhabits ⤵️  Download our FREE Basic Budget Worksheet: www.newmoneyhabits.com/budgeteers/helpful-tools 📞 Schedule a FREE call with Coach Nino or Sarah: www.newmoneyhabits.com/budgeteers/contact ✅ Take your first step toward creating new money habits with our online course: How to Create a Better Budget: Your Foundation to Financial Freedom: www.newmoneyhabits.com/bootcamp 🎵 Music by Summer School @newmoneyhabits / @KUWTJFC

From multimillion-dollar jackpots to lucrative sports contracts and Hollywood fame, we uncover the common pitfalls and challenges that often lead to financial ruin for these seemingly prosperous individuals. In this episode of The New Money Habits Podcast, Coach Nino and Sarah discuss the psychological and behavioral factors at play, shedding light on why many find themselves bankrupt despite their once extraordinary wealth.  👉 Have questions for the hosts? Submit them to: podcast@newmoneyhabits.com 👉 Join our FREE Facebook Group of like-minded people:  www.facebook.com/groups/newmoneyhabits ⤵️  Download our FREE Basic Budget Worksheet: www.newmoneyhabits.com/budgeteers/helpful-tools 📞 Schedule a FREE call with Coach Nino or Sarah: www.newmoneyhabits.com/budgeteers/contact ✅ Take your first step toward creating new money habits with our online course: How to Create a Better Budget: Your Foundation to Financial Freedom: www.newmoneyhabits.com/bootcamp 🎵 Music by Summer School @newmoneyhabits / @KUWTJFC

What exactly is a discovery session, and why is it a powerful tool for personal growth and transformation? In this episode of The New Money Habits Podcast, Coach Nino and Sarah discuss the process of working with “guests” and the remarkable results that can be achieved through collaboration. Learn how the power of working together accelerates growth, allowing you to achieve your desired outcomes more efficiently. Don't miss this opportunity to unlock the secrets of discovery sessions and harness their potential to propel you forward on your journey of personal and financial success. Tune in to The New Money Habits Podcast and discover how discovery sessions can transform your life.  👉 Have questions for the hosts? Submit them to: podcast@newmoneyhabits.com 👉 Join our FREE Facebook Group of like-minded people:  www.facebook.com/groups/newmoneyhabits ⤵️  Download our FREE Basic Budget Worksheet: www.newmoneyhabits.com/budgeteers/helpful-tools 📞 Schedule a FREE call with Coach Nino or Sarah: www.newmoneyhabits.com/budgeteers/contact ✅ Take your first step toward creating new money habits with our online course: How to Create a Better Budget: Your Foundation to Financial Freedom: www.newmoneyhabits.com/bootcamp 🎵 Music by Summer School @newmoneyhabits / @KUWTJFC

In this episode of The New Money Habits Podcast, Coach Nino and Sarah discuss the art of managing an inconsistent income. Whether you're a freelancer, entrepreneur, or someone with irregular earnings, this episode will provide you with essential strategies for achieving financial stability and peace of mind. Join us as we explore practical tips to navigate the unique challenges of an inconsistent income. Learn how to budget effectively, prioritize savings, and optimize your financial decision-making to build a solid foundation for your financial well-being. Don't let the uncertainty of inconsistent income hold you back from financial success. Tune in to The New Money Habits Podcast and gain invaluable insights on how to thrive and achieve financial stability, regardless of the fluctuations in your earnings. It's time to take control of your finances and embrace the freedom that comes with managing an inconsistent income.  👉 Have questions for the hosts? Submit them to: podcast@newmoneyhabits.com 👉 Join our FREE Facebook Group of like-minded people:  www.facebook.com/groups/newmoneyhabits ⤵️  Download our FREE Basic Budget Worksheet: www.newmoneyhabits.com/budgeteers/helpful-tools 📞 Schedule a FREE call with Coach Nino or Sarah: www.newmoneyhabits.com/budgeteers/contact ✅ Take your first step toward creating new money habits with our online course: How to Create a Better Budget: Your Foundation to Financial Freedom: www.newmoneyhabits.com/bootcamp 🎵 Music by Summer School @newmoneyhabits / @KUWTJFC

In this empowering episode of The New Money Habits Podcast, join Sarah as she guides you through a streamlined process to gain control of your finances in just 5 hours per month. Discover how to efficiently manage your money without sacrificing valuable time. Tired of feeling overwhelmed by complicated financial tasks? You'll learn practical strategies to streamline your money process and maximize your financial success. Sarah shares proven techniques to optimize your budgeting, track your expenses, and stay on top of your financial goals, all within a manageable time frame. Gone are the days of spending countless hours on financial management. This episode will empower you to take charge of your financial well-being without sacrificing your precious time. Tune in and unlock the secrets to mastering your finances in just 5 hours a month. Your journey to financial freedom starts here.  👉 Have questions for the hosts? Submit them to: podcast@newmoneyhabits.com 👉 Join our FREE Facebook Group of like-minded people:  www.facebook.com/groups/newmoneyhabits ⤵️  Download our FREE Basic Budget Worksheet: www.newmoneyhabits.com/budgeteers/helpful-tools 📞 Schedule a FREE call with Coach Nino or Sarah: www.newmoneyhabits.com/budgeteers/contact ✅ Take your first step toward creating new money habits with our online course: How to Create a Better Budget: Your Foundation to Financial Freedom: www.newmoneyhabits.com/bootcamp 🎵 Music by Summer School @newmoneyhabits / @KUWTJFC

In this empowering episode of The New Money Habits Podcast, Coach Nino and Sarah address the burning question many 20-somethings have: "How do I get started?" Join them as they dive into practical strategies to set a strong foundation for financial success in your 20s. If you're ready to take control of your financial future and lay the groundwork for success, this episode is a must-listen. Join Coach Nino and Sarah on The New Money Habits Podcast as they guide you through the essential steps to get started in your 20s and unlock a lifetime of financial abundance. 👉 Have questions for the hosts? Submit them to: podcast@newmoneyhabits.com 👉 Join our FREE Facebook Group of like-minded people:  www.facebook.com/groups/newmoneyhabits ⤵️  Download our FREE Basic Budget Worksheet: www.newmoneyhabits.com/budgeteers/helpful-tools 📞 Schedule a FREE call with Coach Nino or Sarah: www.newmoneyhabits.com/budgeteers/contact ✅ Take your first step toward creating new money habits with our online course: How to Create a Better Budget: Your Foundation to Financial Freedom: www.newmoneyhabits.com/bootcamp 🎵 Music by Summer School @newmoneyhabits / @KUWTJFC