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Mo' Money Podcast

Millennial money expert, Accredited Financial Counsellor Canada® and podcast host Jessica Moorhouse interviews top personal finance & business experts (John Lee Dumas, Chris Guillebeau, Bruce Sellery, Preet Banerjee), celebrities (Perez Hilton, Scott McGillivray, Farrah Abraham), as well as inspirational entrepreneurs, authors, bloggers, friends and family to help you learn how to manage your money better, make smarter choices, earn more money, 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: Page 7
Mar 23, 2016

Dr. Willie Jolley, an award-winning motivational speaker, Sirius XM radio host and author and I talk about how he turned his setbacks into major successes. If you're looking for an incredibly motivating podcast episode with a lot of useful advice on how to be more positive and how to turn your failures into opportunities, this is the episode for you. Also listen for a free gift in today's episode to help you on your journey to a more positive, balanced and wealthy life.

Long episode description:

If you need some major motivation and inspiration, this is the episode for you. I interview the amazing Dr. Willie Jolley, an award-winning motivational speaker, Sirius XM radio host and author, about how he went from unemployed lounge singer to successful businessman. 

Willie’s story is a story I think we can all relate to. He thought he had it made as a singer, and was living a very comfortable life. But one day his boss said they needed to make some cuts — and one of the cuts was him. Not only that, but he was replaced by a karaoke machine.

Instead of wallowing in despair or throwing his hands in the air and giving up, he did the opposite. He made it his mission in life to turn his setbacks into comebacks (and eventually greenbacks), and now Dr. Willie Jolley has a thriving career motivating others to do the same.

I’m including a number of links below to things Willie and I talked about in this episode, but I also want to include the 7 keys to success that he talks about more in-depth in his latest book Turn Setbacks into Greenbacks. You will definitely want to check out his books and his speeches on YouTube, but here’s a little something to get you started on your journey to a better and more prosperous you!

  1. Don’t panic.
  2. Don’t willingly participate nor commiserate in the gloom and doom.
  3. Don’t let your pride poison your prosperity.
  4. Don’t stop thinking about the power and possibilities of tomorrow.
  5. Be proactive.
  6. Be creative.
  7. Be prayerful.

The Book that Changed Willie Jolley’s Life

Willie Jolley’s Special Gift to You!

Check Out Willie’s Motivational Books

Listen to Willie’s Sirius XM Show

Follow Willie on Social

Shownotes: jessicamoorhouse.com/42

Mar 16, 2016

On this episode of the Mo' Money Podcast, I talk with Karen Yap, personal finance blogger from Makin' the Bacon, about how to make more money, quit your unfulfilling job and rock your dream career.

Long episode description:

Karen Yap has been blogging about personal finance over atMakin’ the Bacon for close to 4 years and she’s learned a lot about making money and switching careers during that time. 

Although she considers herself to be a bit of a job hopper, what she really is is a woman who doesn’t want to settle and has big aspirations — just like we all do.

I can definitely relate to Karen’s story because I myself have switched careers, and when I initially started my personal finance blog under the name Mo’ Money Mo’ Houses, you bet I wanted to make money of it! I can definitely agree with her though that blogging is not an “easy” way to make money (and any blogger who says it is, well, their either full of crap or their doing something fishy). Blogging (not to mention podcasting) is like having a second job. And not only does Karen have a full-time job, which she now loves, on top of blogging she is also a fitness instructor! She even invited me to one of her classes, but I think I might need to work up to that.

One of the key takeaways that I hope you get from this podcast episode is that every journey is different when it comes to your career. Karen had what most people would consider the best job you could ask for — a job with the government. It paid well, it was a secure and it came with a great pension. But she wasn’t happy, and she knew she needed to leave to get her happy back.

So she started from the ground up again, going to networking events and talking to other women about their careers to get insight into what else she could do. This not only led her to her current job, but it inspired her to start her Makin’ the Bacon blog series, highlighting awesome women rocking their careers.

Check out the links below to learn more about Karen, her blog and journey to make her bacon, and her career blog series. I might even be one of the awesome women featured there.

Check Out Karen Yap on Social

Check Out Karen’s Career Blog Series

Join the Conversation

If you like listening to my podcast, then you’ll definitely want to join my Money. Life. Balance. Facebook group. This group is all about having a safe space, free of judgement, where we can all talk about money, encourage each other to reach our financial goals, and educate each other in areas we’re not pros in yet. I post a new topic to discuss every Monday, so make sure to join now to add your two cents to this week’s conversation. See you in there!

Shownotes: jessicamoorhouse.com/41

Mar 9, 2016

Gina Kennedy is a radio host, voice actor and rockstar and she is still in her 20s. In this episode, Gina and I talk about how anything is possible when it comes to your career — no matter how big your dreams are, or how small your hometown is.

Long episode description:

Gina Kennedy is a prime example of how even if you come from a small town, if you’ve got big dreams the sky is the limit! Gina is originally from Abercrombie, Nova Scotia. A town so small that when I tried to look up the current population, I could only find one website that said the town was not included in Statistics Canada’s census and therefore the population is unknown. Yup, that’s a small town.

But that small town didn’t have much bearing on Gina’s ambitions. She wanted to work in the music industry and nothing was going to stop her. So she moved to the biggest city in the province — Halifax. Still, that wasn’t big enough and so her next move was to Toronto where she currently lives.

What I love about Gina is that once she sets her mind on something, she goes for it full force. She wanted to be radio host. I’m sure many of us have fantasized about having a sweet gig like that. But instead of just dreaming about it, she went back to school, got an internship, and never gave up until she finally become a radio host for Sirius XM’s The Verge.

Next, she wanted to become a voice actor. She’s got an incredibly dynamic voice, but it’s a very competitive field. Again, she figured out how to get her foot in the door, got herself an agent and now voices commercials.

If that wasn’t enough, she wanted to see if she could pursue her love of music. I was honestly surprised when she told me she was a classically trained pianist and opera singer, but it makes sense. She’s incredibly talented, and can add bassist for Altered by Mom as her third job.

I know not everyone can do a million things like this, but it just goes to show that if you want something, do it. You may fail, but you may surprise yourself and succeed. Don’t let anyone tell you “you can’t” because they have no idea what you’re capable of. Heck, you might not even know what you’re capable of. So, in my worst Nova Scotia accent: “Just giv’r!”

Check Out Gina Kennedy

Shownotes: jessicamoorhouse.com/40

Mar 2, 2016

Natalie Bacon grew up thinking she wanted to be a lawyer, but after 4 years in the legal profession she realized she that was not the life she wanted for herself. Deciding to switch careers and become a certified financial planner (as well as a personal finance blogger), Natalie may have taken a major pay cut from her lawyer days, but she is well on her way to making some big money...honey. I also share at the end of this episode that I have just opened a Facebook group for anyone who wants to continue the conversation with other like-minded people. If you want to talk money in a place with no judgement, just encouragement, go to facebook.com/groups/moneylifebalance.

Long episode description:

As I mentioned to Natalie Bacon during our episode together, her blog The Finance Girl is super empowering. That’s why I just had to reach out to her and get her on my show. 

Natalie’s story is pretty unique. She always excelled academically and eventually graduated law school with dreams of making big money as a lawyer. After 4 years in the legal field, she was drowning in debt and ready to quit — job or no job waiting for her on the other side.

One of the positive things that did come out of her legal career was the realization that she wanted to focus her energy on personal finance. It was her previous job that helped her switch careers into the financial industry, and she is now only one exam away from becoming a certified financial planner.

Along the way, she also discovered that she needed a creative outlet for her new passion, which is where her blog The Finance Girl came in. And just two years later, her blog has become a heavy hitter in the personal finance blogosphere (go Natalie!).

Here next big goal is to continue to increase her net worth by building her blog into a full-fledged business. Having tasted the lifestyle she could have had if she had continued practicing law, her aim now is to not just manage her money effectively, but to see how much money she can make by doing different things on the side.

The idea of side hustling certainly has become a trend on my podcast, but that’s because it really is such a smart idea. I’ve been able to do so many more things with the extra money I’ve made outside of my full-time job, and I can’t wait to see where Natalie’s efforts will take her in the future.

Blog Post Natalie Bacon Wrote About Setting Yourself Up for Success

Blog Posts on How to Make More Money

Want to Be Part of a Community Where It’s Cool to Talk About Money?

If you like listening to my podcast, then you’ll definitely want to join my brand new Money. Life. Balance. Facebook group. This group is all about having a safe space, free of judgement, where we can all talk about money, encourage each other to reach our financial goals, and educate each other in areas we’re not pros in yet. I post a new topic to discuss every Monday, so make sure to join now to add your two cents to this week’s conversation. See you in there!

Shownotes: jessicamoorhouse.com/39

Feb 24, 2016

In this episode, I talk to certified financial planner, freelance writer and Blonde & Balanced blogger Tahnya Kristina about how she lost her job during the 2007 financial crisis, and then turned that into an opportunity to become debt-free and never be put in that position again.

Long episode description:

I’ve known Tahnya Kristina for several years — initially from the personal finance blogging world, then when we were roommates at FinCon 2014. The one thing that always amazes me about Tahnya is how no matter what, she always has such a positive attitude. 

Case in point, when she lost her job as a certified financial planner during the financial crisis and had to dig her way out of debt and find a new source of income. It wasn’t easy going from earning a good pay cheque as a commission-only CFP, to becoming unemployed and not sure where to go.

But like so many successful people, Tahnya turned those lemons into lemonade and fought her way to a better life. She could have easily thrown her hands up and given in to this major setback, but instead she wallowed for a few days then got to work.

She started by using some of her talents in a totally new way. With her deep financial knowledge, she sought out work as a freelance financial writer, which eventually led her to a job in digital marketing. Now, several years after the economic collapse, Tahnya continues to freelance write for various websites and blogs (including Blonde & Balanced), as well as works full-time so she never has to worry about depending on just one job again.

It’s a notion I absolutely live by and advocate whenever I can. Never rely on only one source of income. If it means getting a job on the weekend, at night, or freelancing in your spare time, it will seriously make all the difference in terms of you reaching your financial goals quicker and just feeling all around more secure. I haven’t lost sleep about money for years, and I know it’s because I’ve been debt-free since 2010 and have multiple streams of income.

Article I Mentioned on Vancouver Housing Prices

Learn More About Tahnya Kristina

Shownotes: jessicamoorhouse.com/38

Feb 17, 2016

Christopher Smith, documentary filmmaker of Tiny: A Story About Living Small, and I talk about the financial upside to living in a tiny house, and how he managed to build his own tiny house with his own money and no prior building experience.

Long episode description:

When I watched Christopher Smith and Marete Mueller’s documentary Tiny: A Story About Living Small, it kind of blew my mind. I was always aware of the tiny house movement, even fantasized about building my own one day, but it wasn’t until I watched Christopher and Marete build a tiny house from nothing that I became a bit obsessed. Like started googling plans to build my own tiny house obsessed. 

Luckily, I didn’t have to just wonder how one would go about building their own tiny house because Christopher was nice enough to chat with me about how he did it himself — with his own money and no prior building experience. If he can do it, anyone can, right?

That’s one of the big takeaways from the film actually. Just because you’ve never done something before, there’s still nothing stopping you from accomplishing it. And Christopher not only built his own tiny house, he made a film at the same time. A film that went on to major success by premiering at SXSW and screening at a number of other noteworthy film festivals.

Another takeaway from the film is the idea of settling down and making a home for yourself. I must have been thinking about his film when I wrote my blog post about embracing life’s impermanence, because that’s something I’ve been thinking about a lot lately.

I grew up believing that at a certain age you needed to settle down and stay in one place to raise a family, but that just doesn’t seem important or rational anymore. You don’t need to have a big house in the suburbs with a 30-year mortgage you can hardly afford to have a home. You can buy a plot of land like Christopher and build a tiny house on wheels for the same price as a downpayment and live an incredibly fulfilling (and debt-free) life.

Which brings me to another big takeaway — the financial rewards of living small. One of the women featured in the film was able to pay down her debt and quit her soul-crushing job to pursue her dream of being a writer because she lived in a tiny house.

It’s crazy what opportunities pop up when we don’t give material goods and commercialism any power in our lives. When we focus on what’s truly important in life (family, community, mental health), we realize how insignificant stuff is. And if I’ve said it once, I’ve said it a million times — no matter how much stuff you’ve got, you can’t take it with you.

Learn More About Christopher Smith’s Tiny House and What He’s Up to Now

Shownotes: jessicamoorhouse.com/37

Feb 10, 2016

Robb Engen from the popular blog Boomer and Echo and I discuss how he started his blog because of his passion for personal finance, and how it evolved into a money-making side hustle that would lead to an early retirement for him and his wife.

Long episode description:

Robb Engen from the popular personal finance blog Boomer and Echo and I chat in this episode of the Mo’ Money Podcast about how he turned his passion for personal finance into a means of reaching early retirement. 

I’ve known Robb and his blog for a while, but it wasn’t until I heard him speak at this year’s Canadian Personal Finance Conference that I knew I needed to chat with him on the podcast.

Robb started his blog along with his mother Marie Engen, a certified financial planner, in 2010. He read a lot of personal finance blogs and eventually felt compelled to add his two cents with his own blog. What started out as a hobby turned into a second job where he earns thousands of dollars per month on top of his full-time salary.

Not only does his blog help provide for his family while his wife stays at home with their two young daughters, but it is also helping them both achieve they’re big goal of retiring early so they can enjoy the fruits of their labour sooner rather than later.

On top of blogging, Robb also writes a column for the Toronto Star and offers fee-only advice as a financial advisor on the side.

I remember someone asking him at the conference how he manages it all with a young family, and his answer was simple — it’s a lot of work, but he makes the best use of his time. It’s not easy balancing a full-time job with a few extra jobs on the side, but if it eventually leads to more money in the bank and the possibility of early retirement, well, I’d much rather work crazy hard in my 20s and 30s to be financially free in my 40s, 50s and beyond. Props to you Robb!

Personal Finance Blogs Mentioned

Follow Robb Engen on Social

Shownotes: jessicamoorhouse.com/36

Feb 3, 2016

Millennial money expert, author and personal finance blogger Stefanie O'Connell and I talk about being an actress during the recession and what inspired her to teach others to be smarter with their money.

Long episode description:

Stefanie O’Connell is one inspiring millennial. She had aspirations of becoming an actress growing up and even studied acting in New York City. She was well on her way to becoming a broadway star too — until the recession hit.  The economic collapse forced her to rethink her plans of being an actress and consider other ways of making a living. She also started getting interested in personal finance, and realized from books like Rich Dad, Poor Dad that she did not want to live like a starving artist for the rest of her life.

This new passion for finance soon motivated her to start her own blog initially called The Broke and Beautiful Life. Now just going by her name (like yours truly) at StefanieOConnel.com, she’s not only a popular personal finance blogger, but also an author (she penned her first book The Broke and Beautiful Life in January 2015), and frequent money expert on media outlets like Fox & Friends, Dr. Oz and CBS News.

What I love about Stefanie, beyond being such a hustler, is how positive she is. She seriously took those lemons and made some amazing lemonade with them. If there’s one thing you can learn from Stefanie’s story, it’s that life is rarely a straight path. Heck, it might actually be a really good thing. How boring would life be if it was predictable? Just look at my  life. I thought I was going to be an award-winning film editor in Vancouver, but instead I moved to Toronto, work in digital marketing during the day and host my own personal finance podcast at night! And I love it! I love that life is so unpredictable and I’ve learned over the years that it’s when you embrace the unknown and divert from your original path, some truly amazing things can happen.

Read Stefanie O’Connell’s Book

As I mentioned, besides being a personal finance blogger, Stefanie is a full-fledged author! Here’s a glimpse of what her book The Broke and Beautiful Life: Small Town Budget, Big City Dreams is all about:

After moving to New York City to become a Broadway actress, Stefanie O’Connell faced one of two inevitabilities when faced with unemployment–spiral into debt or learn how to effectively manage her money. Punctuated with humor, insight, and essential money management lessons, The Broke and Beautiful Life offers practical strategies to make smarter financial decisions today as a means to fulfill the goals and dreams of tomorrow.

You can grab your copy of her awesome book on Amazon.

Check Out Stefanie on YouTube

Not only do I predict Stefanie becoming a YouTube star, or the next Oprah, I want to help her get there! Recently she shared on Facebook that she hopes to attend YouTube’s Bootcamp to up her Youtuber game. She’s a natural already with the acting chops, but in order to get into the bootcamp she needs 500 channel subscribers. Since Stefanie is such an awesome gal, I’m asking you to subscribe to her channel (as well as mine), so she can become famous and credit me for helping her out! Seriously girl, if you ever get a talk show, I definitely expect to be a guest!

Shownotes: jessicamoorhouse.com/35

Jan 27, 2016

I talk with vlogger, blogger and entrepreneur Anthony Ongaro about how he climbed out of a mountain of debt and came out of the experience stronger by living life with more intention and integrating minimalism into his daily life.

Long episode description:

I was introduced to Anthony by my good pal Cait Flanders from Blonde on a Budget after I asked her if she knew of any guests who would be great for my show. She was right in pointing me to Anthony because he is seriously such a genuine, smart and inspirational guy. If you need some motivation to pay down your debt, declutter your house and live life to the fullest — Anthony is your guy. 

In this episode, we discuss some of Anthony’s key philosophies that he often writes about on his blog Break the Twitch and talks about on his YouTube channel.

What Does it Mean to Break the Twitch?

When I think of twitch, I think of someone who has a weird eye twitch they can’t control. And that’s sort of the same thing that Anthony is referring to, but instead of an uncontrollable eye twitch it’s that uncontrollable twitch that makes you buy, buy, BUY! Anthony shares his story of his Amazon shopping addiction and how he eventually turned things around and broke the consumerist cycle to live a more meaningful life. Now his mission is to help others like him break the twitch too. It’s not uncommon to fall into a never ending shopping spree, but it’s not impossible to get out and make it right.

The Dark Side of Convenience

It’s rare that we ever complain about anything being too convenient, but that’s exactly what gets lots of us into financial trouble. When things like Uber, Amazon and iTunes are at our finger tips, it can be hard not to spend money like it’s not even real. But it is real and we need to be more conscious of how we’re spending it. This may mean deleting some apps on your phone or unplugging at night to prevent any late night boredom shopping. The key thing is to be aware and not always do the most convenient thing if it’ll cost you in the long run.

Embracing Minimalism

This was a big topic on the episode because we talked about it in two different ways. First, minimalism in terms of getting rid of material possessions to live a less cluttered life. Second, minimalism in respect to relationships and only maintaining relationships that add value to your life. As I mentioned near the end of the episode, after talking with Anthony I had a huge urge to go through my whole apartment and get rid of everything. And I did actually purge a few things from my closet and some of my junk drawers. It felt so freeing, so I hope you choose to try it out too, or better yet, do a minimalism challenge!

Shownotes: jessicamoorhouse.com/34

Jan 20, 2016

I discuss the biggest money matters for millennials, such as student loan debt, unemployment, going back to school, and buying a house with personal finance columnist Rob Carrick from The Globe and Mail.

Long episode description:

I was incredibly nervous to interview Rob Carrick from The Globe and Mail for this podcast episode. I’ve been reading his words for years and when it comes to personal finance, he really knows his stuff. But since Rob is such an awesome guy, when I cornered him at the Canadian Personal Finance Conference this past fall and begged him to be on my podcast, he was kind enough to say yes. 

Highlights from this Episode

I love this episode so much because we talked about one of my favourite topics — millennial money matters. As a millennial who’s mission it is to help other millennials understand the core concepts of personal finance so they can take control of their lives and prosper, well it was more than a treat to talk to someone as passionate about educating Generation Y as I am.

We start off with discussing two of the biggest downfalls of post-secondary students: budgeting and taking on student loans. The facts are that students don’t budget (hey, I didn’t even know what a budget was when I was in university) and they take on student loans without truly understanding what it means to be indebted. It’s no surprise that most university grads are drowning in debt and don’t know how to manage their money.

On top of that, many students are going to university because they believe that’s the right step to take in order to have a successful career down the road. Unfortunately, that’s just not the case anymore, and many graduates are having a hard time finding a job in their field and have to get a professional certificate for an applied skill just to get their foot in the door (myself included).

Another big topic we discussed was housing. I wrote a lot about my experiencehouse hunting in Toronto last year, but in the end I backed off and chose to continue renting instead because it just didn’t look like a good investment. It may have been 10 years ago, maybe even 5, but that just isn’t the case anymore. It was for Generation X and the Baby Boomers, but I agree with Rob in believing that more millennials need to proceed with caution when it comes to investing in property.

 

Shownotes: jessicamoorhouse.com/33

Jan 13, 2016

I talk with financial consultant, public speaker and author Robin Taub about her book "A Parent's Guide to Raising Money-Smart Kids" and what advice she would give to parents about teaching their kids about personal finance at any age.

Long episode description:

I was lucky enough to meet Robin Taub at the Canadian Personal Finance Conference in Toronto this fall, and I’m so glad I did. She spoke at the conference about how she penned and published her best-selling book A Parent’s Guide to Raising Money-Smart Kids and how she went from chartered accountant to public speaker, author and personal finance media spokesperson.

Although I don’t have kids (and don’t plan on starting a family for a few years yet), raising money-smart kids is one topic I knew I needed to cover on the podcast. I think for all of us to become smarter with our money, we need to be educated about it. And the sooner we learn the fundamentals of personal finance in life, the better chance we have at becoming successful and financially stable adults. I know for a fact then when I do have kids, I don’t want money to be a taboo subject. I want us to talk about it openly so they will have all the facts before they head off to college.

We talked a lot about Robin’s book in this episode, largely because she outlined how to teach your kids about money so well. She talks about what to talk about to your kids at different ages and how this personal finance education can truly empower your kids and give them confidence. Like I said at the start of this episode, I highly recommend this book to anyone who is a parent or is planning to be. You can buy the book online or check it out at your local library.

Shownotes: jessicamoorhouse.com/32

Jan 6, 2016

For my first Mo' Money Podcast episode of 2016, I interview fitness coach and champion bodybuilder Jaclyn Phillips about how she turned her love for fitness into her side hustle and how she saves money when preparing for fitness shows.

Long episode description:

In this episode, Jaclyn and I discuss how she got into the fitness world and how she eventually turned her love of fitness and competing into a part-time business.

For my first Mo’ Money Podcast episode of 2016, I interview my friend, and co-creator of the Rich & Fit 21-Day Challenge, Jaclyn Phillips. Jaclyn is awesome. And yes, I may be biased, but she really is. The reason we first connected was because we are equally passionate about helping others when it comes to finance or fitness.  She loves fitness and wants to share everything she’s learned with people who want to improve their health. I love finance and want to share everything I’ve learned with people who want to improve their financial lives. When we met and started talking about what we do outside of work — well, it wasn’t long until we came up with our idea for the Rich & Fit program.

In this episode, Jaclyn and I discuss how she got into the fitness world and how she eventually turned her love of fitness and competing into a part-time business. To give you an idea of what she does, here’s a look (she’s the brunette on the left):

Yup, she knows fitness. She also does her own hair and make-up for shows to save on money (frugal too!).

To learn more about Jaclyn Phillips, I highly suggest you check out her websiteand her Instagram. Her Instagram is seriously my daily motivation to get up and move off the couch.

And as another special treat, I found this awesome recipe of her’s for Birthday Cake Protein Waffles with French Vanilla Glaze. I am definitely going to make these this weekend.

Shownotes: jessicamoorhouse.com/31

Dec 9, 2015

For the last Mo' Money Podcast episode of 2015, host Jessica Moorhouse does another solo episode, sharing her thoughts on going to university, student debt and making smart financial decisions when it comes to your higher education and future career.

Dec 2, 2015

I interview my grandpa, Jacques Hardy, in his home in Chilliwack, BC for this podcast episode because his story is the ultimate success story. He describes his family as "poverty stricken" growing up, he had 8 siblings and had to start paying his own way at 17. Although the odds were against him (he failed grade 7 twice and was fired from a number of jobs), he was able to find a successful career in the military to help support his young family and eventually move across the country for a better life.

Long episode description:

This episode is why I’m so glad I have a podcast. Finally, I have a medium to share my grandpa’s incredible story. He literally started out dirt poor. Poverty stricken was actually the term he used. He was born in Saint-Sylvère, Quebec, had 8 siblings and had to start paying his own way at 17. 

If you think that sounds hard, his dad was orphaned at 5 years old and started working at 11! He eventually became a butcher and sold his meat door-to-door. But still, when he got married, all he had to his name was $20 in his pocket and a horse and buggy. He even had to declare bankruptcy at one point in his life.

You really do need to listen to the episode to fully grasp the trials and tribulations my grandpa had to overcome. It sure makes me feel grateful for how I was brought up. I mean, I complain that I had to work a part-time job in high school to afford university (poor me), while my grandpa literally had no options when it came to post-secondary. Honestly, if it wasn’t for the military I don’t know if he would have been able to afford starting a family and eventually uprooting them across the country to live in Chilliwack, BC.

What I loved most about our conversation together was finding out how money savvy he was. Even without any good financial role models in his life, my grandpa was smart enough to save a good part of his pay cheque and buy some Canada Savings Bonds that eventually helped him pay off his mortgage (on the house he still lives in by the way), right before interest rates skyrocketed in the 1980s. I still can’t believe he was able to put more than 50% down for a down-payment and his mortgage was only $83/month!

A big thank you to my grandpa for recording this episode with me (I can’t wait to share it with him). This will be a recording I cherish for years to come.

And since I haven’t mentioned it on my podcast or on the blog yet, next Wednesday’s episode will be my last for the year. It’ll be my 30th episode and I definitely need a break to ramp up my website redesign before the New Year. As always, thanks for listening and make sure to tell me what you think by leaving me a review on iTunes, Stitcher or tweeting me.

Shownotes: jessicamoorhouse.com/29

Nov 25, 2015

In this episode, I talk with longtime friend and fellow film school grad Riley Maruyama about his experience trying to make it in the film industry while trying to crush $35,000 in student debt.

Long episode description:

I am so excited to share my interview with my very good friend Riley Maruyama for this episode, all about kicking his student debt to the curb. Riley and I go way back. We were in the same 30-person film program at Simon Fraser University back in 2005, we helped each other as crew members on multiple film shoots, and I even passed down my first basement suite to him after we all graduated (it was a really good deal, so we kept that suite in our “friend family” for quite a few years). 

Since I’ve known Riley, he’s always been a true artist. In film school, he was known as the experimental filmmaker out of all of us. But why we got along so well was he was never that stereotypical art school kid. He had (and still has) the best sense of humour, but at the same time is incredibly philosophical. And it very well could be because he’s equal parts creative and thoughtful that he realized how important it was to pay down his $35,000 student loan while still pursuing a career in the arts. Not an easy feat, but Riley is seriously talented and does not give up. It’s certainly no surprise to me that he was able to crush his debt while eventually landing a job as a cinematic artist in the gaming industry.

Since I mentioned a few of the projects Riley’s worked on over the years in this episode, I’ve linked to them below (including his grad film!). I really hope you enjoyed this episode as much as I did. What I really wanted to share was that it’s not just a success story if you pay off your debt in record time. If it takes you a bit longer but you still end up paying it off — that’s still a huge accomplishment!

Riley’s Grad Film

https://vimeo.com/16880038

Shownotes: jessicamoorhouse.com/28

Nov 18, 2015

Investment coach Aman Raina and I discuss how to be an empowered investor through financial education, changing habits and understanding your comfort zone.

Long episode description:

As I mentioned at the beginning of this episode, I found out about Aman because he commented on my blog post about money coaching. After that we exchanged a few emails and I knew I needed to talk to him a bit more so I got him on my podcast. Aman as a very interesting background. He worked on the TSX’s trading floor back in the 90s and has a wealth of knowledge when it comes to investments. 

Later in his career he decided to go it alone and start his own investment coaching business so he could teach others about the principles of investing wisely. Different than a financial advisor, an investment coach doesn’t sell you products or tell you specifically what to do. Instead, it’s more of a teacher role and Aman shares some of his top tips for those of you who want to learn more about becoming a savvy investor.

I was lucky enough to meet Aman in person this fall at the Canadian Personal Finance Conference. He is seriously the nicest guy and super smart. He told me he was thinking of producing more videos for his company website, Sage Investors, and I guess he did because I found this gem! Props for getting jiggy with it Aman!

https://www.youtube.com/watch?v=tiT2NFSX15A

Shownotes: jessicamoorhouse.com/27

Nov 11, 2015

Rachel Hernandez is arguably one of the hardest working solopreneurs out there. Having had an entrepreneurial spirit from a very young age, Rachel shares her story of working long hours to pay for university and eventually starting her own successful mobile home investment business.

Long episode description:

My guest for this episode is Rachel Hernandez — arguably one of the hardest working women I know! Not only does she have a strong work ethic, she’s basically been an entrepreneur since she was in elementary school. Who else could come up with an idea to sell pencils and stickers to kids (as a kid) but someone who would end up becoming a successful real estate investor. 

In this episode, Rachel shares her story of how she worked her way to pay for college, turned down a chance to do her MBA and took a huge leap of faith by starting her own real estate investing company. Although she now predominantly invests in mobile homes, she has a wealth of knowledge on single home investing as well. She’s even so knowledgeable that she’s penned 3 books about real estate investing (and counting!).

Thanks again Rachel for being such a great guest. You’re story is incredibly inspiring and I hope that I too will become an property investor down the road, though probably not in Canada if I’m being honest. Then again, I might actually be able to afford a mobile home in Toronto or Vancouver?

Since we mentioned a few resources on the show, here they all are below. And make sure to leave me a review on iTunes or Stitcher to let me know what you think of this episode!

Blog Posts Rachel Mentioned

Rachel’s Books

Shownotes: jessicamoorhouse.com/26

Nov 4, 2015

John Robertson, the author of the DIY investing book The Value of Simple, and I discuss the why and how of index fund investing, his side gig as an investment coach and how investing can be simple (if you're doing it right).

Long episode description:

In this episode I talk with John Robertson, the blogger behind Holy Potato and the author of The Value of Simple, about one of my favourite topics — index fund investing. I explored this subject a bit in my podcast episode with Barry Choi, but John breaks down the principles even further and explains what actionable steps you need to take to become a do-it-yourself investor. 

If you are really interested in going the DIY investing route, I highly suggest reading John’s book. I did and I seriously learned a lot about what is involved and what the best ways to get started are.

We mentioned a number of resources in this episode, and here they are below.

Books John Mentioned

John’s Book

Money Planners & Coaches Directory

Shownotes: jessicamoorhouse.com/25

Oct 28, 2015

Revanche, the blogger behind A Gai Shan Life, and I talk about growing up extremely frugal, helping her family out of a tough financial situation and her aspirations to become a full-fledged millionaire.

Long episode description:

Talk about overcoming some major obstacles, Revanche seriously is one inspiring woman. It’s one thing to try to get yourself out of debt by working hard and saving aggressively, but it’s quite another to do the same to help your family out of a tough financial situation. Although I think Revanche’s story is quite unique, I also feel like she’s not alone in being thrown into a situation where your loved ones need your help and you need to make some big sacrifices to get them out.  I’d love to know in the comments if anyone else has experienced something similar! Please share your stories if you have them.

Although it was a long journey for Revanche, which you’ll learn in our podcast episode together, she didn’t just stop when the debt was finally paid off. She set herself an even loftier goal to achieve next — become a millionaire so she never has to experience debt like that again. I applaud Revanche’s dedication and hard work, and seriously can’t wait until she makes it into the two comma club.

Notable Blog Posts by Revanche

Learn More About Revanche

Shownotes: jessicamoorhouse.com/24

Oct 21, 2015

In this episode, I interview Carrie Smith from Careful Cents about how she paid off $14,000 in consumer debt and was able to leave her stressful 9 to 5 to become a top business coach for freelancers and entrepreneurs.

Long episode description:

As Carrie and I mentioned at the start of this episode, we met in person over a year ago at FinCon 2014 in New Orleans and totally hit it off. It was actually Carrie, myself and Cait from Blonde on the Budget that hung out quite a bit at that conference, and I am really looking forward to doing it again at FinCon 2016 in San Diego.  Speaking of FinCon, a huge congratulations to Carrie for winning Best Entrepreneurship Blog at the 2015 Plutus Awards this past September. Way to go girl!

Carrie has a really interesting story all about overcoming huge financial challenges and taking some big risks to live the life she knew she deserved. She went into debt, she went through a divorce and she had a really stressful accounting job that turned her into a workaholic. But she saw the light at the end of the tunnel and worked her butt off to get to where she is today. If you’re looking for some mid-week motivation, this podcast episode is it!

Notable Blog Posts by Carrie

Useful Resources for Freelancers

Shownotes: jessicamoorhouse.com/23

Oct 14, 2015

J. Money from the popular personal finance blog Budgets Are Sexy and I talk about making money online, getting fired, giving away $90,000 and making budgets sexy again.

Long episode description:

J. Money from Budgets Are Sexy and Rockstar Finance has been in the personal finance game since 2008, so he knows what’s going on when it comes to talking money. In this episode, we discuss how he became a blogger, why getting fired was the best thing that ever happened to him and how he’s been able to give back in a big way.  Not only is J. Money just a super cool, genuine guy — I owe him a big one because talking to him for this episode was the kick in the pants I needed to move forward with my rebrand and future money coaching business. You know when you have an idea, but are just too scared to take action because it’s not perfect yet? I’m a big perfectionist, and it’s definitely held me back from trying new things and taking risks that could help me in the long run. But J. Money is such a an inspiring guy with everything he’s accomplished, I’m gonna take a chapter out of his book and just do it!

So thanks J. for motivating me to start my next chapter. You rock and it was a pleasure having you on the show!

We mentioned a few things in this episode, so I’ve listed everything below. I’m also including J.’s side hustle story series even though we didn’t talk about it because it’s just too cool not to mention on here.

Submit Your Side Hustle Story

  • Got a unique way to make extra money outside of your day job? Submit your cool side hustle story for a chance to be featured on Budgets Are Sexy. I even submitted my story about teleprompting!

Notable Blog Posts by J. Money

Shownotes: jessicamoorhouse.com/22

Oct 7, 2015

I talk to Plutus Award winner and debt blogger Melanie Lockert about her experience tackling $81,000 in student loan debt and becoming a full-time freelancer and debt crusher advocate.

Long episode description:

It was such a pleasure interviewing Melanie Lockert from Dear Debt. I’m an uber nerd and couldn’t contain how much I love Portland (where she currently lives) as you may have gathered from me blurting it out at the beginning of this episode. But in addition to secretly wishing I lived on the West Coast again, I’m also a huge fan of her blog and have been for many years, so it was a huge treat to be able to record this episode with the ultimate debt crusher. 

Melanie’s story is one that I’m sure many of you can relate to. She took out a loan to do her bachelor’s degree, then got into her dream school of NYU to do her master’s degree. That meant she had to take on even more student debt. The grand total tallied up to $81,000 in student loan debt. That’s basically a down-payment on a house in Toronto or several very lavish tropical vacations.

Melanie ended up leaving New York after graduating to move to Portland to be with her partner. Although Portland is way more affordable to live in than New York, the economy isn’t great and she struggled to find work. But Melanie didn’t let that get her down. She hustled and worked her butt off to find work and eventually turned her blog into a full-time job. And this year she even won a Plutus Award for Best Debt-Focused Personal Finance Blog and was nominated for Best Contributor/Freelancer for Personal Finance. You go girl!

If you’re looking for a podcast episode to inspire you to break up with debt or just conquer something that seems completely impossible, you’ll definitely want to listen to this episode. And make sure to check out some of the links below that include a way to submit your Dear Debt Letter and some of Melanie&rsp>

  • Melanie started this awesome program to help others break up with their debt and share their stories. If you have a debt story that you want to share and want to kick your debt to the curb, I highly recommend submitting your own Dear Debt Letter.

Notable Blog Posts by Melanie

My Experiences with Debt & Unemployment

Shownotes: jessicamoorhouse.com/21

Sep 30, 2015

In this episode, I talk about my experience as a missionary in Africa at 18 and sponsoring a child in my 20s to give back.

Long episode description:

Hello and welcome to another solo podcast episode with yours truly. I know in episode 1 I said I would just being doing interviewed shows, but what can I say, I love to talk and I’ve got a lot to say. In this episode which I am super excited to share with you, I dive into my experience as a missionary and sponsoring a child to give back. 

I believe giving back and donating to charities is incredibly important, especially when it comes to personal finance. When we think about money management though, it’s usually the last thing we think of after saving, investing and making more money.

Giving back has always been a big part of my life, starting with my childhood in the Catholic church. Participating in giving back through my church’s programs evolved into me deciding to go to Africa at 18 to do some good overseas. It was definitely an enlightening experience, good and bad, so make sure to listen to find out what I think about it a decade later.

I also had a sponsor child for a period in my early 20s. I actually decided to get a sponsor child when I first moved out of my parents and was making my lowest salary to date. But even though I was at my poorest, I knew that as a financially independent woman I needed to still set aside some money to help others.

Now in my late 20s, I have a very different outlook on giving back because of these two experiences. I’m still all for helping others, especially financially, but I just choose to go about it a different way than I did when I was younger. Since this is a pretty personal episode, and I share things on there that I’ve never talked about before, I would love to get your feedback. Let me know what you think, or better yet share a story you have about giving back in the show notes.

Blog Posts I Mentioned

Charitable Programs I Mentioned

Shownotes: jessicamoorhouse.com/20

Sep 23, 2015

Quin Sandler, CEO of fitness technology company Plantiga, and I talk about being a serial entrepreneur and what that means for his budget, retirement plans and career aspirations.

Long episode description:

My guest on this podcast episode can be summed up in one word: hustler. Quin Sandler, who I was introduced to by my husband Josh, is one motivating character. He’s an entrepreneur and is currently the co-founder and CEO of the startup Plantiga. In this episode we talk about how he’s created several different businesses including a tutoring business and a web design and branding business, and how that led him to his new venture in wearable sports technology.  We also dive into how he budgets (or does he?), what he does to supplement his income when money is scarce and what his thoughts are on retirement.

We mentioned a ton of things on the show, so I’ve organized everything to make it easy for you below. Thanks for listening and make sure to let me know what you think about this episode or my show by leaving me a review on iTunes orStitcher!

Links Quin Mentioned

About Quin

Shownotes: jessicamoorhouse.com/19

Sep 16, 2015

BrokeGirlRich blogger Melissa Bondar and I discuss the sacrifices you have to make to follow your passion and work in the arts industry, while paying off debt and living on a very tight budget.

Long episode description:

I was really looking forward to interviewing Melissa Bondar, the blogger behind BrokeGirlRich. Not only were we roommates for FinCon 2014 in New Orleans, but her story is very close to my heart. We both went to art school in university, her for theatre and me for film. But instead of pursuing a career in my field like Melissa did, I kind of chickened out and just ran in the complete opposite direction.  No regrets of course, and looking back I can say confidently that the film industry and me would not have been a good fit. That being said, I think it is so cool that Melissa pursued her dream of working in theatre and now she has an awesome job as a stage manager in New York City! You go girl!

Melissa and I talked about a ton of stuff on the show, and I’ve listed some of her blog posts that we talked about below. For anyone who is thinking about working in the arts, or is already working in that field and needs a good blog to read about being smart with money, make sure to check out Melissa’s blog and follow her onTwitter!

Links Melissa & I Mentioned

Shownotes: jessicamoorhouse.com/18

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