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Full show notes here: https://debtfreeguys.com/power-of-affirmations/ Do you use affirmations? We'd love to know if you do. Drop us a yes or no on IG here: https://www.instagram.com/queermoneypodcast  On this episode of Queer Money, Evolve Benton joins us to introduce the idea of creating a Moneybag Prophecy Vision Board, explaining how they use theirs to build a weekly budget and challenging us to get creative in the process of making our own. They offer insight on leveraging affirmations to speak what you want into your life, sharing their own practice of affirming activities rather than outcomes and connecting daily affirmations with a long-term plan. Listen in for Evolve’s advice on what to do if your affirmations aren’t working and learn how to use the Law of Attraction to achieve YOUR big, scary dreams!

Full show notes here:  https://debtfreeguys.com/sober-gay/ ‎ How much do you spend in a month on alcohol? If you regularly blow a lot of money at the bar, you may be surprised at just how much drinking impacts your finances. And if you find yourself developing an alcohol dependency, the habit may have consequences far beyond your budget. How do you stop or slow down? Dillan Gay of the Sober Gay podcast has a few suggestions for us based on his own story. 

Get full show notes: https://debtfreeguys.com/live-fabulously/ What does it mean to Live Fabulously Not Fabulously Broke? On this episode of Queer Money, we share our plans to help you live fabulously in the new year, introducing some of the lifestyle topics we’re covering in 2021 and explaining how these aspects of life influence your finances. Listen in for insight on improving your quality of life (without compromising your financial security) and learn how to be happy, healthy and wealthy in 2021.

Full show notes here: https://debtfreeguys.com/transgender-health-care/ On this episode of Queer Money, Finn Brigham of Callen-Lorde joins us to explain what makes transgender healthcare different and walk us through the top three transgender healthcare issues individuals face in getting access to competent care. He weighs in on the difference between transition costs and transgender healthcare more broadly, describing the limited resources available to trans people seeking surgery—even if their health insurance does cover it! Listen in for Finn’s insight on which subpopulations in the trans community face the biggest barriers to care and find out what YOU can do to support Callen-Lorde’s mission and promote health justice for the LGBTQ community.

Full show notes here: https://debtfreeguys.com/lgbtq-retirement/  Did you know retirement costs the queer community about 40% more than the general population? And most retirement calculators don’t factor that in! Samantha Hernandez, a lesbian money coach, joins us to chat LGBT retirement and why queer folks could and likely will pay more in retirement than the general population. 

11 more goals here: https://debtfreeguys.com/gay-couple-goals/ What are your aspirations as a gay couple, to have designer dogs with cute names, to bet on the winning queen on Drag Race, to jet set, or something even more? We think it’s the latter. On this episode of Queer Money, we break down 10 cute, fun and sexy gay relationship goals that any couple can achieve and in doing so, strengthen their own relationship, build a stronger LGBTQ community and improve their bottom line. Money that is, not your back side.

Full show notes here: https://debtfreeguys.com/money-a-made-up-thing/ On this episode of Queer Money, Jacob Goldstein, author of Money: The True Story of a Made Up Thing, joins us to explain why money is a made-up thing, offering insight into why finance isn’t the zero-sum game most of us think. He introduces us to the origins of modern capitalism, exploring some of the practical things we can do to address income inequality and make the system work for more of us.

Get the full show notes here: https://debtfreeguys.com/debt-settlement On this episode of Queer Money, Howard Devorkin of Debt.com joins us to discuss the advantages and disadvantages of debt settlement, explaining how it allows you to repay your debt for less but adversely impacts your credit score. He introduces us to debt management as an alternative, describing how this path reduces your interest rate—while keeping your credit intact. Listen in for insight on the tax consequences of debt settlement and learn how Debt.com can help you choose the best option for getting out of debt!

Get the full show notes here:https://debtfreeguys.com/gay-men-earn-more/ How do you feel when you find out someone is earning more money than you? How about when the person earning more money is a member of our queer community? Recent data reflects an apparent rise in income for LGBTQ couples. So, what’s behind this trend toward income equality? On this episode of Queer Money, we’re sharing the top four theories around why same-sex couples are starting to earn more, explaining how living in cities with larger populations translates to jobs with higher pay—but not necessarily a guarantee of financial security. We weigh in on how being less likely to have children gives us the opportunity to earn more and describe how code switching at work may come with a financial benefit. Listen in for insight on how the gender pay gap gives gay men an advantage and learn how those of us who do earn more can use our privilege to promote income equality for everyone in the queer community.

Are you so over stressing about credit card debt? Would you like to make 2021 the year you rewrite your money story and SLAY your debt once and for all? On this episode the podcast, we’re sharing the Queer Money origin story, taking you back to the day we owned up to our combined credit card debt of $51,000. We explain why we were living beyond our means and describe what we did to realign our spending with our values. We go on to share how we came up with the Debt Lasso Method, walking you through its 5 components and explaining how it helped us pay off our credit card balances in just 2½ years. Listen in to find out how YOU can take advantage of our special offer and leverage the Credit Card Pay Off Plan to slay your debt in 2021!

Full show notes: https://debtfreeguys.com/gay-stereotypes/ Are stereotypes always bad? Or can some of the assumptions people make about the queer community be beneficial? And how do stereotypes impact our finances? Mike Johnson and Kyle Getz are the hosts of Gayish: A Podcast About Gay Stereotypes, a show that bridges the gap between sexuality and actuality. A three-time nominee for Best LGBTQ Podcast, Gayish has been featured in Oprah Magazine, Esquire and Queerty, among many other media outlets. On this episode of Queer Money, Mike & Kyle join us to explain how even stereotypes that seem positive can be harmful to our mental health and our bank account. We discuss why so many gay men don’t prioritize their finances and how we might inspire more LGBTQ individuals to plan for retirement before it’s too late. Listen in for surprising insight around the idea that gay men are obsessed with sex and learn what YOU can do to help break queer stereotypes and build a financially strong LGBTQ community!

Newly confirmed Supreme Court Justice Amy Coney Barrett was sworn in last Tuesday, October 27, 2020. And while it’s disappointing to see yet another conservative justice appointed to SCOTUS, we’re thinking about what we can DO as a queer community to further LGBTQ rights in America. How can we use our frustration to fuel the kind of action that will initiate real change? On this episode of Queer Money, we’re sharing the four next steps the queer community must take in response to the appointment of Amy Coney Barrett. We explain why it doesn’t do us much good to spend our time and energy getting angry or upset about the conservative majority on the court and discuss the relationship between our individual financial security and the advancement of LGBTQ rights. We go on to challenge you to stop spending more than you make and pay off debt, describing how your financial insecurity holds back the queer community as a whole. Listen in for insight on saving and investing to secure your financial future and learn why giving to LGBTQ causes and candidates is absolutely crucial in furthering the new gay agenda to protect and expand our rights.

One of the big lessons we’ve learned in 2020 is that an extra stream of income is ALWAYS a good idea. But how do you pick a side hustle that’s right for you? Daniella Flores is the creator of I Like to Dabble, a personal finance blog designed to help others build bigger and better lives with side hustles. In less than three years, Daniella and her wife Alexandra paid off $35K in debt with what she calls side dabbles—and by ‘getting their financial shit together.’ A software engineer by day, Daniella is passionate about helping people bring in more money and manage it well. On this episode of Queer Money, Daniella joins us to explain what inspired her to become a serial side hustler. She discusses how being openly LGBTQ has helped her as an entrepreneur and describes how financial autonomy has both improved her confidence and changed her outlook on life. Listen in for Daniella’s insight on what makes for a successful side hustle and learn how YOU can take the first steps to earn extra money doing something you love.

15 years ago, we got serious about getting out of debt, and now, we’re on track to be retirement millionaires! How did we save that kind of money? By getting creative and implementing a few strategies that are simple, sometimes weird and maybe even a little sexy. On this episode of Queer Money, we’re sharing the top 10 crazy ways we save money. We discuss some of the fun things we do to avoid going out (hello, Naked Sunday) and explain the savings and other benefits of celebrating a dry month and being our own baristas at home. We go on to describe how we save thousands of dollars a year by grocery shopping less frequently, keeping our phones a little longer and choosing a limited data plan. Listen in for insight on how to save BIG by driving an older (but still cute!) car and choosing a home or apartment that won’t leave you house poor.

For LGBTQ married couples who normally keep their finances separate, the prospect of filing taxes jointly may seem complicated. How do your divide up the taxes you owe in a way that’s fair to both of you? Would it be easier just to file separately? Harvey Susnick is a Partner at Berdon LLP, a leading accounting and advisory firm based in New York City. Harvey has four decades of experience as a CPA, running his own firm for 20 years before merging his practice into Berdon in 1998. He leverages his financial expertise to help individuals, families and couples (traditional and LGBTQ) make informed decisions and create retirement plans that align with their goals. On this episode of Queer Money, Harvey joins us to address Queer Money listener Ben’s question around filing taxes as a married couple—when you normally keep your finances separate. He explains the pros and cons of filing jointly versus separately, describing how a couple’s income differential might impact their decision. Listen in for insight on what to consider when you or your partner are a 1099 employee and get his top money advice for married LGBTQ couples.

Despite the recent Supreme Court ruling in favor of LGBTQ job protections, homophobia and discrimination in the workplace did not *POOF* go away. And even companies that consistently score a 100 on the HRC Corporate Equality Index have instances of what I call cascading homophobia, a phenomenon that hits our community right in the pocketbook. On this episode of Queer Money, I’m introducing the idea of cascading homophobia and explaining how it affects the LGBT pay gap. I share the formal definition of homophobia, describing how decision-makers in a company who are not homophobic themselves may allow their decisions to be influenced by senior leaders who are. I go on to offer an example of cascading homophobia that John and I experienced working at Charles Schwab when we served as co-chairs of the company’s LGBT Employee Resource Group. Listen in to understand how cascading homophobia undermines our ability to earn more and learn the 3 things we can do to minimize (and eventually eliminate) cascading homophobia in the workplace.

It’s actually pretty simple to prepare for big expenses like retirement or your kid’s education. And the small contributions you make now grow into big money when you need it. So, isn’t it time you started or upped your investing game? On this episode of Queer Money, we’re sharing our final five tips to super-simple investing. We discuss the benefits of starting an employer-sponsored retirement account and setting up automatic annual contribution increases to invest more and more over time. We weigh in on the advantages of investing in a custodial or college savings account for your children, leveraging stock market growth to pay for their education and other expenses. Listen in for insight on starting a health savings account to cover medical costs and learn why it’s crucial to assign beneficiaries on all your investing accounts!

No other part of the economy is designed for success quite like the stock market. So, what’s keeping you from being a member of the Investing Class? Do you think buying stocks and bonds is too complicated? The truth is, setting up an investment account is easy, and you can get started today! On this episode of Queer Money, we’re sharing our first five tips to super-simple investing. We explain how to open a retirement or brokerage account online and set up automatic deposits funneled directly from your paycheck. We go on to offer advice on investing in low-cost exchange-traded funds, or ETFs, discussing the benefits of having a diverse portfolio that includes different asset classes and variables. Listen in for insight on riding out the ups and downs in the market and learn how YOU can join the investing class ASAP.

No other part of the economy is designed for success quite like the stock market. So, what’s keeping you from being a member of the Investing Class? Do you think buying stocks and bonds is too complicated? The truth is, setting up an investment account is easy, and you can get started today! On this episode of Queer Money, we’re sharing our first five tips to super-simple investing. We explain how to open a retirement or brokerage account online and set up automatic deposits funneled directly from your paycheck. We go on to offer advice on investing in low-cost exchange-traded funds, or ETFs, discussing the benefits of having a diverse portfolio that includes different asset classes and variables. Listen in for insight on riding out the ups and downs in the market and learn how YOU can join the investing class ASAP.

No other part of the economy is designed for success quite like the stock market. So, what’s keeping you from being a member of the Investing Class? Do you think buying stocks and bonds is too complicated? The truth is, setting up an investment account is easy, and you can get started today! On this episode of Queer Money, we’re sharing our first five tips to super-simple investing. We explain how to open a retirement or brokerage account online and set up automatic deposits funneled directly from your paycheck. We go on to offer advice on investing in low-cost exchange-traded funds, or ETFs, discussing the benefits of having a diverse portfolio that includes different asset classes and variables. Listen in for insight on riding out the ups and downs in the market and learn how YOU can join the investing class ASAP.