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Mo' Money Podcast | Personal Finance with Jessica Moorhouse

Award-winning blogger and podcast host Jessica Moorhouse interviews top personal finance experts like Gail Vaz-Oxlade, Preet Banerjee and Rob Carrick, as well as inspirational entrepreneurs, authors, bloggers, friends and family to help you learn how to manage your money better, make smarter choices, become debt-free and live a more fulfilled and balanced life. New episodes air every Wednesday. For helpful resources, blog posts and podcast episode show notes, visit jessicamoorhouse.com. To enquire about being a guest on a future episode, visit jessicamoorhouse.com/podcastsubmissions.
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Now displaying: 2017
Oct 19, 2017

I chat with Questrade CEO and founder Edward Kholodenko about DIY investing, how to get started and why fees can affect your bottom line.

Long description:

DIY investing is becoming more and more popular, and it’s easy to see why. It puts the investor in the driver’s seat, having full control of what they’re investing in, and plus it doesn’t hurt that you can save a ton in fees. 

In this episode, I chat with Edward Kholodenko, CEO and founder of Questrade, one of Canada’s leading discount brokerages. He shares his story of immigrating to Canada and starting Questrade from the ground up, and why he’s so passionate about empowering investors and educating them on how to do it themselves.

You know the say, there’s no one that cares more about your money than you do. And that’s a big reason why I think DIY investing in index funds and ETFs is becoming more normal amongst millennials. We want to feel in control of our financial futures and we don’t want to just hand our money off to an investment broker and hope for the best. We want to know what’s going on so we can make sure we’re growing our money to it’s full potential.

And the most common way to DIY invest is to use a discount brokerage, follow an investment plan like the model portfolios shared on the Canadian Couch Potato’s site or The Sustainable Economist’s site, and rebalance accordingly.

To get you started, below are some helpful resources to continue your investing education.

Helpful Resources

Full full episode show notes visit: https://jessicamoorhouse.com/122

Oct 18, 2017

Ever dreamed of saying "Screw you!" to your 9 to 5 job? Then you'll definitely want to listen to my interview with Screw the 9 to 5 co-founder Jill Stanton on entrepreneurship, choosing making your own opportunity, and making your own money.

Long description: 

For this episode of the podcast, I talk to Jill Stanton, co-founder of Screw the Nine to Five. Currently living in Vancouver (but originally from Toronto), her and her husband started an mega-successful online business because at the end of they day, they wanted to be able to screw their 9 to 5 jobs and live life on their terms.

That’s why I was so drawn to Jill’s story. She was able to finally find her passion, start a business and essentially become completely location independent. She was even able to live in Thailand for a number of years, needing only her laptop to keep her business going. But as you’ll learn in her interview, it wasn’t that easy to get off the ground. Her and her husband started a number of different businesses before finding one that clicked.

We talk more about the ups and downs of being an entrepreneur, what you should consider financially before screwing your 9 to 5, and how to not let anyone tell you what you can and can’t do as your career.

What to Ask Yourself When Starting Your Business

  • Does it feel heavy or light? If whatever you’re working on in your business feels heavy, edit it out.
  • Focus on your plan A and don’t look back. When you have this attitude, you’ll feel more pressure (and motivation) to make it work.
  • You don’t need a business or marketing background, degree or a business coach to start a business (just take Jill as a prime example). But that being said, work hard, do your research, and be smart with the decisions you make.

Helpful Resources

For full episode show notes, visit: https://jessicamoorhouse.com/121

Oct 12, 2017

For this Listener Series episode, I talk with podcast listener Scott McEachern about what tactics he uses to pay down his debt and save for his financial goals, and a big one is tracking his spending.

Long description:

For this Listener Series episode of the podcast, I chat with Scott McEachern who reached out to me to be on the show after being a long-time listener.

Now, Scott actually works in the financial space, but personal finance is really his passion and it’s what led him to do what he does for a living. A big reason is because his dad worked as a financial planner, so he learned at a young age how to be smart with his money.

And ever since then, he’s put what he’s learned into practice to live a meaningful life that focuses on being intentional with his money.

He shares a number of things him and his wife do to be able to pay off their debt (they have student loans) and work towards affording their financial goals. These things include:

  • Adding small extra payments to his student loans to pay them off quicker
  • Buying used cars instead of brand new
  • Renting a cheaper/smaller place instead of trying to keep up with the Jones’
  • Delaying starting a family until they are debt free
  • And most importantly, tracking their spending and income regularly so there are no surprises

Learn More About Scott

Get Access to My Resource Library

I’ve got a ton of checklist, worksheets, quizzes and more to help you get your financial life together, and I’m housing them all in one place — my resource library. It’s free, it’s amazing, get in there!

Click here to access my resource library

For full episode show notes visit: https://jessicamoorhouse.com/120

Oct 11, 2017

Do you feel like you keep sabotaging your chance at financial success? You’re not alone, and money coach and personal finance podcaster Whitney Hansen is here to share how to overcome these common financial barriers.

Oct 5, 2017

 The American Dream is alive and well, and Lilian Hurn is proof of it! Originally from Lima, Peru, she immigrated to the USA in 2005, but has since retired early and dedicates her time to teaching others how she did it.

Long description:

I know I’m not American, but the idea of the “American Dream” has definitely made it’s way over the border into Canada, and I can’t help but cry ugly tears every episode of Sharks Tank I watch when someone new to the US has managed to go from zero to millionaire.

So, when Lilian Hurn reached out to me after finding my podcast on YouTube and asked to share her story for my Listener Series, I was so excited to be able to have her on the show. She literally is proof that the “American Dream” is alive and well. Originally from Lima, Peru, she immigrated to the USA in 2005 to work for Microsoft. She ended up meeting her husband there, and they’ve both worked together to fulfill their own dream of retiring early.

Now in their 40s, they consider themselves semi-retired, with Lilian’s husband working occasionally as a consultant, and Lilian spending her days as a Spanish-language financial literacy educator. She not only has her own blog called Super Baratisimo Gratis, she also has her own YouTube channel teaching others about the power of personal finance in Spanish!

Learning how to live frugally, work hard, save more than she earned, and earning money outside of her full-time job are what helped Lilian achieve one of her biggest goals in life. She truly is an inspiration, I’m just so glad I ended up putting my podcast on YouTube a year ago!

Since Lilian has her own blog and YouTube channel, she also had some great tips for listeners who want to be able to achieve their financial goals too. Here are some of my favourites.

How to Talk Money with Your Partner

  1. Be persistent (but not annoying). Sometimes it can take a few times to convince your partner to be open, so don’t ever drop the subject and forget about it. Try a different tactic, because it’s so important to be on the same page with your partner
  2. Focus on setting goals together. That’s the best way to motivate your partner to get involved in budgeting, tracking your spending and saving for your future. When you have goals outlined clearly that you can both work towards together, you’ll become a stronger partnership for it.

How to Reach Your Financial Goals Faster

Don’t just rely on your day job to get you there in the time you want. To get to your goals faster, you may need to look outside the box and earn more on the side. Lilian sold stuff around her house she didn’t need on eBay and cut back on unnecessary expenses like a storage locker that cost her husband $50/month.

Learn More About Lilian

For full episode show notes visit: https://jessicamoorhouse.com/118

Oct 4, 2017

Luisa Zhou shares how she went from Princeton grad, to climbing the corporate ladder, to quitting her 9 to 5 once and for all to start her own business as one of the most sought after business coaches.

Long description:

I absolutely loved chatting with Luisa Zhou, probably one of the hardest working millennials around. She is all about the hustle which I think is awesome. She has gotten to where she is today in her career because she knows that the only way to success is to work hard. That and some other pieces of wisdom she shares in this episode.

The reason I wanted to talk with her for this episode is because she has some great advice for starting a side hustle, and then turning that into your main hustle while still working full-time. I always cringe when I hear someone’s quit their job to pursue their dream, but clearly didn’t have a solid business plan or enough in savings to sustain them throughout the ups and downs of entrepreneurship.

That’s a big reason why I kept my side hustle as just that for 5 years until I was financially ready and was actually earning enough from my business to make me feel secure enough to leave my job. I certainly didn’t have $100,000 like Luisa did, but I had enough in my bank account that would basically last me a year if for some reason I couldn’t earn a penny during that first year on my own.

Beyond talking about the financial aspect if starting your own business, Luisa also shared some other great tips on how to success and how to promote yourself even at your 9 to 5 so you can grow in your career.

Important Lessons When Starting Out on Your Own

  1. Learn from your failures, don’t quit because of them.
  2. Stay humble.
  3. Figure out how to be a leader for your community.
  4. Stand up for what you believe in.

How to Promote Yourself at Work (without sounding arrogant)

  1. Study how success people around you present and talk about themselves.
  2. Speak about your projects with enthusiasm.
  3. Sharing your accomplishments as stories.
  4. Grow a thick skin.

Helpful Resources

For full podcast show notes visit https://jessicamoorhouse.com/117

Sep 28, 2017

I was joined by Cait Flanders, author of The Year of Less, for my latest Millennial Money Meetup in Vancouver and she shared about her 2-year shopping ban.

Long description:

At the event, Cait dropped some major truth bombs that I want to recap right here. It’s funny, even though I know Cait really well and we talk all the time, when she was sharing her story, some of what she said really made me think twice about how I think about spending, saving and earning.

You Shouldn’t Feel Guilty About Spending Money

For instance, a big part of her personal finance journey is getting out of debt. In her early 20s she spent more than she earned and racked up a bunch of consumer debt. So, she hustled to get that debt number to zero and has maintained her debt-free status ever since. This is no easy feat, but what she discovered was that after becoming debt-free, her spending started to ramp up again.

This wasn’t because she was a shopaholic, it’s because she just wasn’t being mindful with her spending. Let’s be honest, that’s probably most of us. We are so used to spending first, thinking second, that most of what we buy isn’t anything that’s of any real value in our lives.

She also found that she wasn’t saving that much. What’s the point of being debt-free if you can’t finally allocate those debt-repayment dollars towards your savings goals?

That’s where the shopping ban idea came in. She wanted to take control of her spending without feeling guilty about it. That’s an interesting thing that she made sure we all understand. A shopping ban isn’t to make you feel bad about spending. It’s to prioritize your spending. She still had to spend money, despite what “shopping ban” may sound like. She still had bills to pay and sometimes needed to buy a new bed or pair of pants. And that’s fine. But she just wanted to make sure everything she spent money on mattered.

Mindful spending is definitely something I think we can all try to be better at (though as I mentioned in the recording, I’m not sure I’m strong enough to do a 2-year shopping ban).

Be Open to the Idea of Earning More

I loved that she brought this up, because Cait and I actually talked about this one-on-one during my Vancouver visit. We’re both self-employed, though Cait’s been at it for a few years already, and making money is definitely at the forefront of your mind when you’re solely responsible for making the bacon.

I do sometimes miss getting a guaranteed paycheque every two weeks, but I also love finally being my own boss. Still, I’m always thinking about earning. I’ve got a spreadsheet I update constantly, I use Freshbooks to help me with my accounting (which I literally couldn’t live without), and I’m always hustling to make that money honey.

Money is always on my mind, and sometimes it really gets me down. Sometimes I get excited about the idea of earning more than I ever have before because finally there’s no salary cap. But most times I just hope I can make as much as the job I left. It’s a constant psychological battle of wanting to earn more so I can live a better life, and wanting to earn just enough so I can afford my current life.

Cait shared some of what she’s experienced working for herself, and how for years she would think she could only make a certain amount. She never had aspirations of earning 6 figures per year, and she was fine with that. But then she started talking to a few friends, and realized that she was limiting herself by not being open to the idea of earning more.

I think this is something we’ve all thought at one point or another (especially us women). The idea that we can only earn a certain amount, or trying to rationalize why we don’t need to earn more.

I would love to earn more. I’d love to bring in 6 figures per year. But I’m also afraid that if I put that pressure on myself, I’ll be too focused on making money and not focused enough on my main calling which is helping and empowering others.

But when Cait brought up it was more about being open to earning more, I just really like how she put it. I don’t need to earn a lot to be happy, but earning more than I am now could offer me more choice, more opportunity and ultimately more freedom.

For full show notes visit: https://jessicamoorhouse.com/116

Sep 27, 2017

Ever daydreamed of being able to RV around the country and working solely from your laptop? That dream is Michelle from Making Sense of Cents' reality, and she shares how she went from being 4-figures in debt to earning 6-figures every month

Long description:

I’m so excited to be kicking off Season 5 of the Mo’ Money Podcast with this stellar interview with Michelle Schroeder-Gardner from Making Sense of Cents. It’s not every day you get to talk to someone you’ve been following for years who went from ordinary personal finance blogger to online entrepreneur raking in over $100,000 per month (yes, I’m not lying, just check out her income reports for proof!). 

Now, I want to preface that even though Michelle is able to earn six figures per month, if you’re not, that’s ok! This episode isn’t to say that you should be earning as much as Michelle and if you’re not you’re failing at life. This episode should serve as motivation and inspiration to earn more than you do right now.

Michelle didn’t start out making this much, she hustled to get where she is today. And she still hustles today to keep it going so she can continue RVing around the country, working from her laptop and supporting her family.

So after this episode, I dare you to look at your current financial situation, start taking your debt seriously if you have some, and see if there is any way you can earn a little extra to help you move toward you financial goals that much quicker.

Here are some tips from Michelle below to help you get started.

Tips for Getting Out of Debt

  1. Take all of your student loan balances and add them up so you know the exact total. This will give you a concrete number to keep in your mind to work towards paying off.
  2. Find ways to cut back on your spending so you can put any extra money towards debt-repayment.
  3. Find ways to earn extra money so you can pile that onto your debt to accelerate repayment.
  4. Set a deadline and be specific. Don’t just say you want to pay off your debt in a few years. Pick a specific date two years from now that will be your debt-free date.

Tips for Starting an Online Business

  1. Diversification is key to start out so you don't rely on one income source.
  2. Find out what works for you, and if you want to be a freelancer who works for clients or an entrepreneur who sells products or has a service for customers.
  3. In terms of blogging income, creating a product (like a course) can be a great source of income, and same with taking part in affiliate programs.

For more info, visit the podcast show notes: https://jessicamoorhouse.com/115

Sep 4, 2017

I rarely do this, but I just had to put out this special episode to share some really important announcements I don't want you to miss!

First off, the next season of the podcast (Season 5 if you’re counting) will officially kick off on Wednesday, Sept. 27 with a fresh new episode! This season has a great line-up of guests and a lot of the interviews focus on making money and earning more to help your finances, so you definitely want to tune in!

Another thing that’ll be happening on Sept. 27 is my book club! I started a book club in the summer and I want you to join in for the next one. It'll be going down in my Facebook group (Money Life Balance Community) on Sept. 27 at 7pm ET and we're reading Millionaire Teacher by Andrew Hallam. He'll also join us live for the book club, so you won't want to miss that! To learn more, visit https://jessicamoorhouse.com/bookclub

Something that’s happening even before all that is a very special event I’ll be doing in my hometown! For all of my Vancouver friends, I'm going to be hosting my Millennial Money Meetup in Vancouver on Monday, Sept. 18, so visit http://millennialmoneymeetup.com to get your tickets before they're sold out!

Last but not least, if you missed out on your chance to register for the Rich & Fit Bootcamp this past June, fear not because the doors are opening once again. Sign up for updates at http://richandfitbootcamp.com to be the first to know when you can enroll!

Jun 28, 2017

To wrap up Season 4 of the Mo' Money Podcast, I recorded a special solo episode to share what I've been up to and my plans for the future.

Long description:

I can't believe we've already arrived at the end of Season 4 of the Mo' Money Podcast. With 114 episodes and 2 years of podcasting under my belt, I can honestly say that starting this podcast has hands-down been one of the best decisions I ever made.

To wrap up with season, I thought it was time for another solo episode. So, I took some time last week to lay on my couch therapy-stay and record pretty much anything that came into my head.

I share what it's been like since I quit my full-time job to work for myself. How it's been being a homeowner for almost a year now (spoiler: it's been awesome and expensive). And lastly, I share what I've got coming up for the second half of the year and some ideas I've been considering for Season 5 of the podcast and just my community building efforts at large.

Ideas I've Got for the Future

For instance, would you be interested in a special series on the podcast dedicated to making money and entrepreneurship? I know there are a ton of podcasts out there focused on that already, but I find none of them truly talk about the financial aspects of owning a business or starting a side hustle.

Another idea I had was to start doing mini-meetups in my city of Toronto (and maybe in Vancouver when I'm in town). I love doing my Millennial Money Meetups, but they're a pretty big ordeal and it would be neat to do something a bit smaller and more intimate.

My last idea was maybe start some sort of book club in my Facebook group. Logistically, I'm not exactly sure how to do this besides integrating a Facebook live aspect to it, but I think it would be a great way for us all to learn then chat about different aspects of personal finance.

Just putting that out there, so if you have some opinions or have any other ideas you'd like me to explore, please let me know by tweeting me or emailing me!

A Huge Thank You for Supporting the Podcast!

Aside from me just talking about me for a good 30 minutes, what I really want to express closing out this season is how thankful I am for you listening and subscribing to my podcast. It was a passion project that quickly turned into something real that people binge-listen to! I never thought I could affect or reach people like I am through this podcast, and it's honestly the best feeling in the world to feel that type of strong connection.

It's something I never really felt with just the blog, so seriously a big thank you for supporting the Mo' Money Podcast, and I'm excited to kick-off Season 5 of the show this fall. Make sure to subscribe on iTunes, SoundCloud or YouTube if you haven't already to be updated when Season 5 starts, or sign up to my weekly newsletter to stay in the loop!

Other Solo Episodes You May Want to Listen to

For more podcast episodes, check out the podcast page.

Show notes: jessicamoorhouse.com/114

Jun 21, 2017

Managing your money with your partner doesn't have to be awkward or even difficult, and Talaat & Tai McNeely from His and Her Money share how to do it successfully.

Long description:

For my second to last episode of season 4 of the Mo' Money Podcast, I chat with Talaat and Tai McNeely, America's favourite money couple from His and Her Money. We talk about how they got together and figured out their own financial differences, then what led them to start helping others and sharing their wisdom with the masses through their podcast and YouTube channel.

If you're in a couple, and you have a ton of questions about how to manage your money successfully with your partner, this Talaat and Tai have the answers. They've been together for over a decade and have been through or seen it all. And their advice is on point!

At the end of the end, it really just comes down to open communication and respect. Just like working through other issues in a relationship, you need to listen to your partner, understand where they are coming from, compromise and really tackle those issues as a team.

Talaat & Tai's Top Blog Posts

Follow Talaat & Tai on Social

For more podcast episodes, check out the podcast page.

Show notes: jessicamoorhouse.com/113

Jun 14, 2017

Do you know what your money operating system is? Hilary Hendershott discusses this, as well as how to empower yourself through your money & navigating divorce in this episode.

Long description: 

This is by far one of my favourite podcast episodes of the season, and it all has to do with how insightful and wise Hilary Hendershott is. Not only does she hold an MBA and CFP (so she knows her stuff!), she has a great story.

At the beginning, she was terrible with her money. Even when she was working as a financial advisor, helping others with their money, she wasn't taking care of hers. When her credit cards got maxed out and she realized she somehow couldn't afford her mortgage payments, that's when she decided to make a drastic change.

She made the decision to take control of her money, start understanding her money operating system (a.k.a. money mindset), and managing her money in a way that worked best with her and her psyche.

Now, she's miles away from where she used to be, and is driven to help other women do the same with their finances.

This is the perfect episode for some major Wednesday Wisdom, so I hope you enjoy it as much as I did when I recorded it (and re-listened to it).

If there's anything you can takeaway from this episode, it's that no matter where you are right now financially, that doesn't mean you have to stay there. You too can make a change for the better. You just have to take that first step by making it your top priority, then dedicating the time and effort required to follow through with a solid financial plan.

Wise Words from Hilary

I believe you can be financially free.
Believe in your economic independence.
I believe you are always free to imagine, design and create wealth in your life.
I believe that wealth is well-being. I believe having money creates options.
I believe when you are unconstrained, anything is possible.
I believe in bootstrapping and micro lending and entrepreneurship.
I believe in a world where everyone has enough.

Read more on Hilary's "What I believe" section of her website.

Hilary's Top Podcast Episodes

Follow Hilary on Social

For more podcast episodes, check out the podcast page.

Show notes: jessicamoorhouse.com/112

Jun 7, 2017

Want to learn how to reach financial independence, so you can sit by the beach and do whatever you want? Well, it's not exactly easy but it is absolutely possible. I chat with Pauline Paquin, blogger at Reach Financial Independence, to discuss how she was able to leave the 9 to 5 world, work remotely in Guatemala, and live a life most of us could only dream of. 

Long description:

Ever dreamed quitting your 9 to 5 and working remotely from your laptop in paradise? Sounds like a dream, but it can actually become your reality...if you follow in Pauline Paquin's footsteps.

Pauline has figured out the secret sauce to living a financially independent life, like so many of us fantasize about on a day-to-day basis. But it wasn't just luck, and no she didn't win the lottery.

She started out by graduating university debt-free and investing her savings into a rental property. The income from the rental helped pay for her to travel abroad, but she knew she needed do something extra to not always live on a shoestring budget. So, she started freelance writing and eventually started her own blog — Reach Financial Independence.

Since then, she's also started another blog called Make Money Your Way, and has bought two other money-making blogs — Frugaling and Savvy Scot.

Pauline also shares one of her big inspirations and motivators in her life — Ramit Sethi from I Will Teach You to Be Rich. One of the biggest lessons she's learned from Ramit's teachings is that you should adopt an abundance money mindset instead of a scarcity mindset. This essentially means stopping the thinking of "I can't afford that" and changing it to "How can I afford that? What do I need to do in my life to reach that goal."

Having the right mindset when it comes to money is a big key to reaching your goals, no matter what they are, and I'll admit I absolutely have the same money mindset when it comes to my life.

I hope you enjoy this interview with Pauline, and make sure to scroll down below for more info about my Rich & Fit Bootcamp course, or click here to visit the registration page.

Check Out Pauline's Best Blog Posts

Follow Pauline on Social

Register for the Rich & Fit Bootcamp

I mentioned in this episode that myself and business partner Jaclyn Phillips have finally launched our Rich & Fit Bootcamp course together, and I want to share all the juicy details with you! First, visit the registration page to learn more and to register before the cut off date of Wednesday, June 7. But also, check out our webinar replay to find out what we'll be teaching and what the course platform will look like when you get access to it.

If you do want to register, and want to take advantage of a special deal going on right now, use the promo code rfpromofirst10 to get 50% off your purchase price!

And if you have any questions and aren't sure if this is right for you, please email me, happy to chat!

Learn more about the Rich & Fit Bootcamp

For more podcast episodes, check out the podcast page.

Show notes: jessicamoorhouse.com/111

Jun 2, 2017

At a certain point in your personal finance journey, you'll realize that there's nothing left to cut out of your budget and you're living as frugally as you can. At that point, it's either time to look for a higher paying job or joining a number of others by getting yourself a side hustle. In this episode I chat with Nick Loper, founder of Side Hustle Nation, about how to get a side hustle and how he was able to turn his love for side hustles into his full-time gig.

Long description:

It seems like everyone has a side hustle these days, or is thinking about starting one. Which is why I thought the perfect guest to have on the Mo' Money Podcast would be Nick Loper from Side Hustle Nation. I met him after I spoke at FinCon's Ignite last year, and I was in total awe of his podcast and the insanely loyal audience he grew. But the best thing is, he's seriously the nicest, humblest guy!

Now, I've kind of always had a side hustle. It started with being a teleprompter operator for the news, PAing on film sets, then eventually I started this blog to see if I can earn some money. Well, after almost 6 years, I was able to finally turn this side hustle into my full-time hustle, so if you're ever wondering whether it's worth it to start a side hustle and spend some of your extra hours on building a side business — just try it. There's no harm in trying a few things out and seeing if they work. And there's no shame in failure as long as you walk away with a lesson learned.

In this episode, Nick also shares his personal story with getting his first side hustle and how he eventually became an online entrepreneur teaching others about how side hustles could take them to the next level with their financials. As I always tell people, at a certain point, you'll find with your budget that there's nothing left to cut out. And at that point, it's time to start looking at other ways to earn some extra income.

I hope you enjoy this interview with Nick, and make sure to scroll down below for more info about my Rich & Fit Bootcamp course, or click here to visit the registration page.

Check Out Nick's Best Podcast Episodes

Check Out Nick's Best Blog Posts

Follow Nick on Social

Register for the Rich & Fit Bootcamp

I mentioned in this episode that myself and business partner Jaclyn Phillips have finally launched our Rich & Fit Bootcamp course together, and I want to share all the juicy details with you! First, visit the registration page to learn more and to register before the cut off date of Wednesday, June 7. But also, check out our webinar replay to find out what we'll be teaching and what the course platform will look like when you get access to it.

And if you have any questions and aren't sure if this is right for you, please email me, happy to chat!

Learn more about the Rich & Fit Bootcamp

For more podcast episodes, check out the podcast page.

Show notes: jessicamoorhouse.com/110

May 24, 2017

Millennials have a different way of thinking and handling money compared to Generation X and the Baby Boomers, and Broke Millennial author Erin Lowry shares the dos and don'ts of money management for Generation Y in this interview about her book, her blog and her journey to becoming one of the top millennial money experts around.

Long description:

 Is there really that big of a difference between managing your money as a millennial compared to being a Gen Xer or Baby Boomer? As a millennial who has read numerous personal finance blogs and books, have attended my fair share of finance conferences, and have been writing and interviewing others on personal finance for over 5 years now, my answer is yes, yes and a BIG yes!

Luckily, I'm not the only one who thinks this way and Erin Lowry, the blogger behind BrokeMillennial.com, wrote a book (also named Broke Millennial) that focuses on money for millennials specifically.

Although when it really comes down to it, the principles of personal finance don't really change generation to generation. But the fact still remains, we are a very different generation than those before us. We experienced different things and sometimes speak a different language. And that's why I found it so refreshing to read Erin's book that really got me. Got my struggles with money and offered practical and modern solutions. 

Grab a Copy of Erin's Book Broke Millennial

If you want a book that focuses on millennial money issues specifically, and outlines how to tackle your road blocks with money, how to choose the best budgeting style for you, how to negotiate a better salary and much more, grab a copy of Erin's newly released book Broke Millennial: Stop Scraping By and Get Your Financial Life Together.

Check Out Erin's Best Blog Posts

Follow Erin on Social

Join Me for a Live Webinar!

I mentioned in this episode about an upcoming webinar I'll be hosting with friend and business partner Jaclyn Phillips. We'll be doing a live webinar all about how to master your money and fitness on Wednesday, May 31 at 7pm ET to kick-off the launch of our Rich & Fit Bootcamp course.

Registration for the course will open right after the webinar, and promptly close on Wednesday, June 7 (that's right, we're only opening the doors for 1 week!). And a big reason you'll want to join us for the webinar is because not only will we discuss more about the course specifically, but we'll also be awarding 3 scholarships to the course to 3 lucky live webinar attendees.

Make sure to save your seat for the webinar by clicking here »

For more podcast episodes, check out the podcast page.

Show notes: jessicamoorhouse.com/109

May 17, 2017

I chat with TeensGotCents creator Eva Baker about why she's so passionate about educating teens about personal finance, what inspired her to found The Teenpreneur Conference, and what she wants teens to know the most about managing their money the smart way.

Long description:

Unlike many teens her age, Eva Baker started to get interested in personal finance at the young age of 16. She started listening to Dave Ramsey's teachings, and got hooked. But what she soon realized is there was a ton of information out there on how to fix your financial woes, but not a ton on how to avoid them when you're a teen and just starting your own personal finance journey.

That's when she got the idea to create TeensGotCents, a financial literacy blog for teens that explores money and issues relating to adolescents specifically. I sure wish her blog was around when I was in high school! I'm sure I would have figured out how to make my part-time job income go further.

As she mentions in the interview, she also started her blog as her major project for school, but it eventually took off and became her full-time gig. Now in her 20s, she manages a staff of writers to keep creating valuable content for teens on the website. And if that weren't impressive enough, she also founded her own conference — The Teenpreneur Conference — that's all about promoting entrepreneurship to teens. The next conference will be taking place June 8-10, 2017 in Jacksonville, Florida.

Check Out Eva's Best Blog Posts

Follow Eva on Social

Join Me for a Live Webinar!

I mentioned in this episode about an upcoming webinar I'll be hosting with friend and business partner Jaclyn Phillips. We'll be doing a live webinar all about how to master your money and fitness on Wednesday, May 31 at 7pm ET to kick-off the launch of our Rich & Fit Bootcamp course.

Registration for the course will open right after the webinar, and promptly close on Wednesday, June 7 (that's right, we're only opening the doors for 1 week!). And a big reason you'll want to join us for the webinar is because not only will we discuss more about the course specifically, but we'll also be awarding 3 scholarships to the course to 3 lucky live webinar attendees.

Make sure to save your seat for the webinar by clicking here »

For more podcast episodes, check out the podcast page.

Show notes: jessicamoorhouse.com/108

May 10, 2017

Think starting your own business and becoming a recognized personal brand while working full-time sounds impossible? Then you haven't heard Codie Sanchez's story yet.

Long description:

Time and time again, I get people asking me how the heck I managed to work full-time for 5 years while growing my side hustle. Looking back after now being self-employed for over 4 months, I don't really know. All I can say is I hustled like crazy because deep down I knew I was working towards something big and special.

The same can be said for Codie Sanchez who not only head's the Latin American & Offshore Sales division of First Trust, but is an entrepreneur on the side. She founded the company ThreadsRefined back in 2015, and now is focused on growing her personal brand as an influencer, podcaster (she hosts The Struggle Isn't Real show), keynote speaker and investor. And she's still in her 20s!

The big takeaway I got from interviewing Codie was that there really are no limits besides the ones we place on ourselves. Just look at most of the really successful people around these days. Most of them started from the bottom and worked there way to the top. And now with access to more information, more resources and more opportunities than ever (thanks to the internet!), it's that much easier to build a business of your own or set your sights on becoming a leader in your field.

As a woman, this has always been something I've struggled with believing. I always knew I was meant for a leadership role in some capacity, but to be honest, there aren't that many female role models out there to emulate. Hopefully that'll be concept of the past in the near future, because with inspiring female entrepreneurs like Codie, it's becoming clearer that the sky is the limit if you don't mind working hard, taking risks, doing things that scare you and never giving up.

Check Out Codie's Best Blog Posts

Follow Codie on Social

For more podcast episodes, check out the podcast page.

Show notes: jessicamoorhouse.com/107

May 3, 2017

Want to become a millionaire, but don't think you'll ever earn a crazy salary? Millionaire Teacher author Andrew Hallam shares why it's not how much you earn, it's how much save and invest that's truly important.

Long description:

I don't normally, or ever, get excited about investing books. Since I started the podcast, you wouldn't believe how many authors, agents and publishers infiltrate my inbox with their latest investing book they like me to check out.

Hey, it's nice to get free books to check out, but I've got limited time and I can really only sit down and spend time with the books I know my blog readers and podcast listeners will love to. Millionaire Teacher by Andrew Hallam is one of those books. To find out more about the book and what you can expect to learn when reading it, check out my book review.

I think the single most fascinating thing about Andrew's book is that his strategy for investing and becoming a millionaire isn't anything we haven't heard before. He preaches living within your means, not spending like a millionaire before you are, and sticking to simple index funds and ETFs for your portfolio. Then just be patient and consistent. That's it!

There's no such thing as a get rich quick strategy that's not a total scam, and the only way to truly build wealth is by being mindful with your money and intentional with your spending. It's that simple.

I'm not exaggerating when I say that I whipped through his book in a weekend and then couldn't wait to tell the world about it. His book actually made me realize "Hey, if he can do it on a teacher's salary, my husband and I can do it as two self-employed people." We're still young, we've moved our investments over from actively managed mutual funds to low-fee ETFs, and we're making a very conscious effort to curb our spending and living a frugal lifestyle.

I'm not exactly sure if we'll be able to attain millionaire status like Andrew did at 38 (that's only 8 years away), but you never know! I'll just be happy if we can achieve that in our late 40s or 50s, and I'm excited to put Andrew's tips into practice to help us get there.

Also, in case you're scratching your head about the giraffe photo I mentioned at the end of the episode, when I was emailing Andrew to set a date to chat for the podcast, he was travelling around Kenya. Because he's awesome, he shared this really cute photo of himself getting headbutted by a giraffe and I literally laughed out loud when I got it. So there you go!

Check Out Andrew's Books

Andrew's Investing Book Recommendations

Follow Andrew on Social

For more podcast episodes, check out the podcast page.

Show notes: jessicamoorhouse.com/106

Apr 26, 2017

I chat with popular personal finance personality Kerry Taylor from Squawkfox about how she got into the personal finance sphere and why she's a big advocate of the second-hand economy.

Long description:  

Kerry Taylor's blog Squawkfox was one of the first personal finance blogs I stumbled upon when I was starting my personal finance journey in my early 20s. And now, so many years later I got the chance to chat with her on the podcast all about her own journey from computer science student, to living in rural British Columbia, to moving back to her hometown of Toronto, to now being a constant voice in The Globe & Mail and CBC.

One of the big reasons I really wanted to have Kerry on the show was because she has an awesome sense of style, but she doesn't break the bank to stay fashionable. She's a huge advocate of the second-hand economy, and it all started with trying to save money when buying clothes for her daughter. When she discovered that there were a number of consignment shops and Facebook groups dedicated to buying and selling quality second-hand goods, she got hooked. And pretty much convinced me (and you once you listen) to start taking advantage of the second-hand economy too!

Thanks so much Kerry for chatting with me and sharing your insight and story with me!

Kerry's Top Blog Posts

Follow Kerry on Social

For more podcast episodes, check out the podcast page.

Show notes: jessicamoorhouse.com/105

Apr 19, 2017

Mindfulness and money may have more in common than you think. Just listen to Leisa Peterson, founder of the Wealth Clinic, explain how both have changed her life.

Long description:

You may not think that mindfulness and money have anything to do with each other, but that just means you haven't yet listened to this episode with Leisa Peterson, Found of the Wealth Clinic and podcast host of the Art of Abundance.

Leisa has an incredible story about having an ultra successful career in the financial industry, but also making the tough decision to leave it all to start her own coaching business to take control of her life again. It's a big misconception that with a rising career and increasing salary, happiness is sure to follow. But that's not usually the case if you're not doing what you feel called to do in life. And sometimes taking a risk and doing something out of the ordinary can seem scary and even foolish.

But, it can also be your saving grace. It's funny, when I was recording this episode with Leisa back in the fall, I was going through a similar crisis, weighing the pros and cons of leaving my corporate job to start my own business. I was terrified at the prospect of no guaranteed income and possible failure, but I knew it was the only choice because I was absolutely miserable and not doing what I felt I was called to do in this life.

And now, so many months later, I'm releasing this interview with Leisa having taken the plunge and am so glad I made the choice to leave my job. We talk a lot about fulfillment in this episode, probably because it was something I was seriously lacking at the time. But now, I can honestly say I feel more fulfilled than I have in years. I may not make as much money as I did at my 9 to 5, but somehow I feel wealthier than I ever have before.

Thanks Leisa for the wonderful interview and insight into how mindfulness and money should always mix!

Helpful Resources & Events by Leisa

Leisa's Top Podcast Episodes

Follow Leisa on Social

For more podcast episodes, check out the podcast page.

Show notes: jessicamoorhouse.com/104

 

Apr 12, 2017

I talk money, balance, travel, entrepreneurship and more with millennial financial life coach Garrett Philbin (one of the happiest, most positive people I know!). 

Long description: 

If you're looking for an upper of an episode, something to get you pumped to tackle your life and finances, my guest Garrett Philbin, financial life coach of at Be Awesome, No Broke, is just what the doctor ordered.

He doesn't just have the perfect radio voice, he literally exudes positivity. It makes sense why he ditched his career in the music business to focused all of his energy and talent in to helping others with their money and life issues.

And similar to what I'm doing right now, he's on his way to becoming an Accredited Financial Counsellor. I may have convinced him after recording this episode back in the fall to look into the American version, and now he's on his way to finishing the program.

We talked about a lot of awesome things in this episode, including Garrett's jump into entrepreneurship, his soul-searching road trip and the deeper reasons why we all struggle with money. Seriously, if after listening to this episode you feel like this is the time in your life that you need to ask for help, Garrett is definitely someone who will be there if you ask.

Garrett's Top Blog Posts

Follow Garrett on Social

What's Your Money Personality?

I mentioned checking out my money personality quiz in this episode, and you can do so right here: jessicamoorhouse.com/quiz

For more podcast episodes, check out the podcast page.

Show notes: jessicamoorhouse.com/103

 

Apr 6, 2017

It is possible to live debt-free and prosper financially while self-employed, and podcast listener Christina from Toronto shares how she was able to do it.

Long description:

Not many people can say they got their first job at the young age of 5 years old, but my Listener Series guest Christina from Toronto isn't like many people. She had a firm grasp on how to earn money from a very young age, which helped her when she started learning about personal finance in university.

As she embarked on her career as a freelancer in the film and TV industry, she started realizing that there was more to being financially savvy than just knowing how to earn an income. Now, having been self-employed for 10 years, she shares the tips and tools that have helped keep her out of debt and on a path to financial freedom for anyone else living on a variable income with dreams of financial stability.

Helpful Tip

Pay yourself first.

You may have heard this tip a thousand times, but that's because it works! It's Christina's top money tip, and honestly mine too. All paying yourself first means is allocating your income to your savings goals first, then living on whatever's left. If you're not doing this right now, I promise it'll change your life. A great way to start would be to download my free budget spreadsheet.

Join a Facebook Group

Christina mentioned that a big help in getting her finances on track was to join personal finance Facebook groups. They are great to learn what other people are doing with their money and to be part of a community that also wants to better their financial situation just like you. Here are some of my top picks!

Want to Be a Guest on My Show?

Got a story that you think would be good to share on an episode on of Listener series? Please email me!

Helpful Resources

I spent a good amount of time the past few years creating resources to help you with your money, life and adding more balance into the mix. Check them out on my resources page.

Apr 5, 2017

A special bonus podcast episode for you! I recently did a Facebook Live session with Lisa Gittens, senior tax expert from H&R Block, and I got a ton of requests to make the audio into a podcast episode. So here it is! Lisa answered tax questions live for 30 minutes, and we got some great questions too. Enjoy!

Apr 5, 2017

Are you ready for tax time? If not, that's okay because I've got the podcast episode that's perfect for you! For episode 101, I chat with senior tax expert Lisa Gittens from H&R Block about how to prepare your return, how H&R Block professionals are trained, why their online software is free, and what are some of the top tax tips people need to know before filing their taxes this year.  

One thing I highly recommend before getting started on your taxes is to download my free tax preparation checklist. It's a checklist that outlines all the documents you may need to hand-off to your tax preparer or that you'll need when filling out all your info online.

Sign Up for a CRA Account

One of the best things you can do to make doing your taxes a breeze is by creating an online CRA account. You can change your marital status, name and direct deposit info in just a few seconds online when you've got an account, plus it's also a great way to easily see what your RRSP room is and it also houses all of your past tax returns.

Helpful Tax Resources from H&R Block

For more podcast episodes, check out the podcast page.

Show notes: jessicamoorhouse.com/101

Mar 29, 2017

To mark my 100th episode, I talk with fellow podcaster Elle Martinez about money, relationships and how to tackle money as a couple.

Long description:

Can you believe we're already at 100 episodes? I'm kind of in awe honestly. What a journey it has been, and what a great interview I've got to share to mark this milestone.

For this episode, I chat with a fellow female podcaster and blogger, Elle Martinez from Couple Money. Make sure to check out her awesome Couple Money Podcast too, she's an amazing podcast host!

We talk about her story of figuring out how to manage their money together before getting married, and how this eventually inspired her to start her own blog and podcast to help other couples tackle their money. We've all heard the stats, money is one of the biggest reasons couples break up. But if you have open communication, are working towards the same goals and both feel involved with the family finances, that's how you can set yourself up for success.

Elle offers some sage advice and great examples of couples she's interviewed who have overcome some major obstacles. Basically, after listening to this episode, you'll feel just like me and want to set up your next money meeting with your partner pronto!

Elle's Top Blog Posts

Follow Elle on Social

For more podcast episodes, check out the podcast page.

Show notes: jessicamoorhouse.com/100

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