Links: <ul><li><a href='https://youtu.be/n0ZEJ8JfOnw?si=x6dyLniP3bm4oGEG'>Watch the 90-second trailer of Taste the Impact </a></li><li><a href='https://youtu.be/slrCXCvKSFA?si=yTyqpFt2ZTgdXGkf'>Watch the full-length &quot;Taste the Impact&quot; mini-doc now</a></li><li><a href='https://investforbetter.org/event/shifting-wealth-shaping-futures-info-session/'>Register for the Shifting Wealth, Shaping Futures info session on March 26th </a></li><li><a href='https://investforbetter.org/membership/'>Become a member of Invest for Better </a>(it’s free!)</li></ul>This week’s episode is about something personal, political, and, up until recently, way too overlooked: food.We spend a lot of time talking about food, but not nearly enough time talking about how it shows up in our kitchens, grocery carts, or dinner tables. So today, we’re changing that.We’re introducing our latest creative project, Taste the Impact, which a short film (or op-doc, if you’re feeling fancy) that explores the relationship between investing and the food system. Not just what we choose to buy, but what we’re being sold. Because behind every recall, rising price tag, and empty produce shelf, there’s a money trail worth following.This is an episode that sits squarely at the intersection of life and money. It’s about challenging the status quo, asking uncomfortable questions, and recognizing that our financial choices have real-world consequences. In this episode, we get into:<ul><li>Why we made Taste the Impact now and and why storytelling is a financial tool just as much as spreadsheets are</li><li>What visual media can do that numbers alone can’t (and how historical social movements have always known this)</li><li>Why “values-aligned investing” only gets real when you zoom into something specific, like food</li><li>How systemic failures are driving the wave of food recalls</li><li>What’s behind the rising cost of food, and why it&apos;s not just inflation</li></ul> Connect with Julien and Kiersten on our <a href='http://www.richandregular.com/'>website</a>, <a href='https://www.instagram.com/richandregular/'>Instagram</a>, <a href='https://twitter.com/richandregular'>Twitter</a>, and <a href='https://www.youtube.com/@richandregular'>YouTube</a>. <a href='https://richandregular.us19.list-manage.com/subscribe?u=ea4c6332a691ba7e83c195da7&amp;id=dc61f8cd92'> Join our email list</a> to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book <a href='https://amzn.to/3uh2bn1'>Cashing Out: Win the Wealth Game by Walking Away</a>, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by Forbes If you would like to learn more about investing, check out our newest class, <a href='https://richandregular.com/learn/'>Making Money Grow</a>

<description>&lt;p&gt;&lt;b&gt;Links: &lt;/b&gt;&lt;/p&gt;&lt;ul&gt;&lt;li&gt;&lt;a href='https://youtu.be/n0ZEJ8JfOnw?si=x6dyLniP3bm4oGEG'&gt;Watch the 90-second trailer of Taste the Impact &lt;/a&gt;&lt;/li&gt;&lt;li&gt;&lt;a href='https://youtu.be/slrCXCvKSFA?si=yTyqpFt2ZTgdXGkf'&gt;Watch the full-length &amp;quot;Taste the Impact&amp;quot; mini-doc now&lt;/a&gt;&lt;/li&gt;&lt;li&gt;&lt;a href='https://investforbetter.org/event/shifting-wealth-shaping-futures-info-session/'&gt;Register for the Shifting Wealth, Shaping Futures info session on March 26th &lt;/a&gt;&lt;/li&gt;&lt;li&gt;&lt;a href='https://investforbetter.org/membership/'&gt;Become a member of Invest for Better &lt;/a&gt;(it’s free!)&lt;/li&gt;&lt;/ul&gt;&lt;p&gt;This week’s episode is about something personal, political, and, up until recently, way too overlooked: food.&lt;/p&gt;&lt;p&gt;We spend a lot of time talking about food, but not nearly enough time talking about how it shows up in our kitchens, grocery carts, or dinner tables. So today, we’re changing that.&lt;/p&gt;&lt;p&gt;We’re introducing our latest creative project, Taste the Impact, which a short film (or op-doc, if you’re feeling fancy) that explores the relationship between investing and the food system. Not just what we choose to buy, but what we’re being sold. Because behind every recall, rising price tag, and empty produce shelf, there’s a money trail worth following.&lt;/p&gt;&lt;p&gt;This is an episode that sits squarely at the intersection of life and money. It’s about challenging the status quo, asking uncomfortable questions, and recognizing that our financial choices have real-world consequences. &lt;/p&gt;&lt;p&gt;In this episode, we get into:&lt;/p&gt;&lt;ul&gt;&lt;li&gt;Why we made Taste the Impact now and and why storytelling is a financial tool just as much as spreadsheets are&lt;/li&gt;&lt;li&gt;What visual media can do that numbers alone can’t (and how historical social movements have always known this)&lt;/li&gt;&lt;li&gt;Why “values-aligned investing” only gets real when you zoom into something specific, like food&lt;/li&gt;&lt;li&gt;How systemic failures are driving the wave of food recalls&lt;/li&gt;&lt;li&gt;What’s behind the rising cost of food, and why it&amp;apos;s not just inflation&lt;/li&gt;&lt;/ul&gt;&lt;p&gt; &lt;b&gt;Connect with Julien and Kiersten &lt;/b&gt;on our &lt;a href='http://www.richandregular.com/'&gt;website&lt;/a&gt;, &lt;a href='https://www.instagram.com/richandregular/'&gt;Instagram&lt;/a&gt;, &lt;a href='https://twitter.com/richandregular'&gt;Twitter&lt;/a&gt;, and &lt;a href='https://www.youtube.com/@richandregular'&gt;YouTube&lt;/a&gt;.&lt;br/&gt;&lt;a href='https://richandregular.us19.list-manage.com/subscribe?u=ea4c6332a691ba7e83c195da7&amp;amp;id=dc61f8cd92'&gt;&lt;br/&gt;&lt;b&gt;Join our email list&lt;/b&gt;&lt;/a&gt;&lt;b&gt; to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.&lt;/b&gt;&lt;/p&gt; &lt;p&gt;Get our book &lt;a href='https://amzn.to/3uh2bn1'&gt;&lt;b&gt;Cashing Out: Win the Wealth Game by Walking Away&lt;/b&gt;&lt;/a&gt;&lt;b&gt;, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by Forbes&lt;/b&gt;&lt;br/&gt;&lt;br/&gt;If you would like to learn more about investing, &lt;b&gt;check out our newest class,&lt;/b&gt; &lt;a href='https://richandregular.com/learn/'&gt;&lt;b&gt;Making Money Grow&lt;/b&gt;&lt;/a&gt;&lt;/p&gt;</description>

Links:  Watch the 90-second trailer of Taste the Impact Watch the full-length "Taste the Impact" mini-doc nowRegister for the Shifting Wealth, Shaping Futures info session on March 26th Become a member of Invest for Better (it’s free!)This week’s episode is about something personal, political, and, up until recently, way too overlooked: food. We spend a lot of time talking about food, but not nearly enough time talking about how it shows up in our kitchens, grocery carts, or di...

Ep 206: Introducing Taste the Impact | Our new mini-doc about food, money, and the future

This week, we dive headfirst into the very timely topic of expating. Is it just a fantasy fueled by tough times or is there something deeper driving this urge to GTFO? In this episode, we&apos;re exploring the layers of this question. We break down the different flavors of expating, from slow travel hacks that let you vibe abroad for a few months with zero paperwork (hello, Schengen Zone!) to the allure of Digital Nomad Visas for those of us who can work from anywhere with Wi-Fi and a decent latte. We even get into the semi-permanent options and, for the truly committed, buying your way into citizenship.Ultimately, this episode isn&apos;t about escapism. It&apos;s about options, feasibility, and the very real trade-offs you need to consider when contemplating a life lived beyond your current borders. We discuss:<ul><li>The rise of &quot;Plan B&quot; thinking in the FIRE community and beyond</li><li>Tourist stays and slow travel: Easy ways to get your feet wet abroad</li><li>Digital Nomad Visas (DNVs): Working remotely from paradise (with a minimum income requirement, naturally)</li><li>Extended visas and residency pathways: Semi-permanent solutions for a longer stay</li><li>Naturalization and citizenship: The full commitment, from marriage to ancestry to buying your way in</li><li>The &quot;Split Life&quot; Model: Six months here, six months there (the best of both worlds?)</li><li>The real costs and considerations: Taxes, paperwork, culture shock, currency risks, and that annoying &quot;ideological accent&quot; you didn&apos;t even know you had.</li><li>Our rule of thumb for financial feasibility: Is it really worth it?</li></ul>And if you know someone who&apos;s made the leap (or is seriously contemplating it), drop us a comment below! We&apos;re always looking for folks to interview for future episodes, especially if they have interesting stories or maybe even went back home after a few years.  Connect with Julien and Kiersten on our <a href='http://www.richandregular.com/'>website</a>, <a href='https://www.instagram.com/richandregular/'>Instagram</a>, <a href='https://twitter.com/richandregular'>Twitter</a>, and <a href='https://www.youtube.com/@richandregular'>YouTube</a>. <a href='https://richandregular.us19.list-manage.com/subscribe?u=ea4c6332a691ba7e83c195da7&amp;id=dc61f8cd92'> Join our email list</a> to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book <a href='https://amzn.to/3uh2bn1'>Cashing Out: Win the Wealth Game by Walking Away</a>, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by Forbes If you would like to learn more about investing, check out our newest class, <a href='https://richandregular.com/learn/'>Making Money Grow</a>

<description>&lt;p&gt;This week, we dive headfirst into the very timely topic of expating. Is it just a fantasy fueled by tough times or is there something deeper driving this urge to GTFO? &lt;/p&gt;&lt;p&gt;In this episode, we&amp;apos;re exploring the layers of this question. We break down the different flavors of expating, from slow travel hacks that let you vibe abroad for a few months with zero paperwork (hello, Schengen Zone!) to the allure of Digital Nomad Visas for those of us who can work from anywhere with Wi-Fi and a decent latte. We even get into the semi-permanent options and, for the truly committed, buying your way into citizenship.&lt;/p&gt;&lt;p&gt;Ultimately, this episode isn&amp;apos;t about escapism. It&amp;apos;s about options, feasibility, and the very real trade-offs you need to consider when contemplating a life lived beyond your current borders. &lt;/p&gt;&lt;p&gt;We discuss:&lt;/p&gt;&lt;ul&gt;&lt;li&gt;The rise of &amp;quot;Plan B&amp;quot; thinking in the FIRE community and beyond&lt;/li&gt;&lt;li&gt;Tourist stays and slow travel: Easy ways to get your feet wet abroad&lt;/li&gt;&lt;li&gt;Digital Nomad Visas (DNVs): Working remotely from paradise (with a minimum income requirement, naturally)&lt;/li&gt;&lt;li&gt;Extended visas and residency pathways: Semi-permanent solutions for a longer stay&lt;/li&gt;&lt;li&gt;Naturalization and citizenship: The full commitment, from marriage to ancestry to buying your way in&lt;/li&gt;&lt;li&gt;The &amp;quot;Split Life&amp;quot; Model: Six months here, six months there (the best of both worlds?)&lt;/li&gt;&lt;li&gt;The real costs and considerations: Taxes, paperwork, culture shock, currency risks, and that annoying &amp;quot;ideological accent&amp;quot; you didn&amp;apos;t even know you had.&lt;/li&gt;&lt;li&gt;Our rule of thumb for financial feasibility: Is it really worth it?&lt;/li&gt;&lt;/ul&gt;&lt;p&gt;And if you know someone who&amp;apos;s made the leap (or is seriously contemplating it), drop us a comment below! We&amp;apos;re always looking for folks to interview for future episodes, especially if they have interesting stories or maybe even went back home after a few years. &lt;/p&gt;&lt;p&gt; &lt;b&gt;Connect with Julien and Kiersten &lt;/b&gt;on our &lt;a href='http://www.richandregular.com/'&gt;website&lt;/a&gt;, &lt;a href='https://www.instagram.com/richandregular/'&gt;Instagram&lt;/a&gt;, &lt;a href='https://twitter.com/richandregular'&gt;Twitter&lt;/a&gt;, and &lt;a href='https://www.youtube.com/@richandregular'&gt;YouTube&lt;/a&gt;.&lt;br/&gt;&lt;a href='https://richandregular.us19.list-manage.com/subscribe?u=ea4c6332a691ba7e83c195da7&amp;amp;id=dc61f8cd92'&gt;&lt;br/&gt;&lt;b&gt;Join our email list&lt;/b&gt;&lt;/a&gt;&lt;b&gt; to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.&lt;/b&gt;&lt;/p&gt; &lt;p&gt;Get our book &lt;a href='https://amzn.to/3uh2bn1'&gt;&lt;b&gt;Cashing Out: Win the Wealth Game by Walking Away&lt;/b&gt;&lt;/a&gt;&lt;b&gt;, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by Forbes&lt;/b&gt;&lt;br/&gt;&lt;br/&gt;If you would like to learn more about investing, &lt;b&gt;check out our newest class,&lt;/b&gt; &lt;a href='https://richandregular.com/learn/'&gt;&lt;b&gt;Making Money Grow&lt;/b&gt;&lt;/a&gt;&lt;/p&gt;</description>

This week, we dive headfirst into the very timely topic of expating. Is it just a fantasy fueled by tough times or is there something deeper driving this urge to GTFO?  In this episode, we're exploring the layers of this question. We break down the different flavors of expating, from slow travel hacks that let you vibe abroad for a few months with zero paperwork (hello, Schengen Zone!) to the allure of Digital Nomad Visas for those of us who can work from anywhere with Wi-Fi and a decent...

Ep 205: Expat life - How to test the waters and decide if you should dive in

Join a Shifting Wealth, Shaping Futures Circle today: <a href='https://investforbetter.org/swsf/'>https://investforbetter.org/swsf/</a> <ul><li>Not quite ready for a circle? Sign up for a free membership with Invest for Better: <a href='https://investforbetter.org/membership/'>https://investforbetter.org/membership/</a></li></ul>Get your ticket to the Northeast FI Camp Women&apos;s Weekend: <a href='https://khbfinancial.com/northeastficamps/'>https://khbfinancial.com/northeastficamps/</a><ul><li>For information about future, co-ed events, sign up for their email list: <a href='https://eastcoastfi.kit.com/adab4cc93c'>https://eastcoastfi.kit.com/adab4cc93c</a></li></ul>For most of history, women weren’t just left out of wealth-building, we weren’t even in the conversation. Fast forward to today: Women are investing more than ever, making up a record percentage of stock market participants, growing businesses, and holding more financial power than at any point in history. That’s the win.But here’s the fight: We’re still paid less, still have less wealth, and the traditional financial playbook assumes everyone earns, invests, and retires like a man. This means even when we do everything right, we’re often playing catch-up.So this Women’s History Month, we’re asking: What happens when we go from participating to leading?We discuss: <ul><li>Why the wealth gap still exists even as women invest more than ever</li><li>How to rewrite the financial playbook so it actually works for us</li><li>Redefining financial confidence and owning it  </li><li>The investing strengths women already have and how to use them to win</li><li>Using community as a secret weapon and connecting with other women like “rich aunties” who’ve been through it and have the wisdom to share. </li></ul> Connect with Julien and Kiersten on our <a href='http://www.richandregular.com/'>website</a>, <a href='https://www.instagram.com/richandregular/'>Instagram</a>, <a href='https://twitter.com/richandregular'>Twitter</a>, and <a href='https://www.youtube.com/@richandregular'>YouTube</a>. <a href='https://richandregular.us19.list-manage.com/subscribe?u=ea4c6332a691ba7e83c195da7&amp;id=dc61f8cd92'> Join our email list</a> to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book <a href='https://amzn.to/3uh2bn1'>Cashing Out: Win the Wealth Game by Walking Away</a>, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by Forbes If you would like to learn more about investing, check out our newest class, <a href='https://richandregular.com/learn/'>Making Money Grow</a>

<description>&lt;p&gt;&lt;b&gt;Join a Shifting Wealth, Shaping Futures Circle today: &lt;/b&gt;&lt;a href='https://investforbetter.org/swsf/'&gt;&lt;b&gt;https://investforbetter.org/swsf/&lt;/b&gt;&lt;/a&gt;&lt;b&gt; &lt;/b&gt;&lt;/p&gt;&lt;ul&gt;&lt;li&gt;&lt;em&gt;Not quite ready for a circle? Sign up for a free membership with Invest for Better: &lt;/em&gt;&lt;a href='https://investforbetter.org/membership/'&gt;&lt;em&gt;https://investforbetter.org/membership/&lt;/em&gt;&lt;/a&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p&gt;&lt;b&gt;Get your ticket to the Northeast FI Camp Women&amp;apos;s Weekend: &lt;/b&gt;&lt;a href='https://khbfinancial.com/northeastficamps/'&gt;&lt;b&gt;https://khbfinancial.com/northeastficamps/&lt;/b&gt;&lt;/a&gt;&lt;/p&gt;&lt;ul&gt;&lt;li&gt;&lt;em&gt;For information about future, co-ed events, sign up for their email list: &lt;/em&gt;&lt;a href='https://eastcoastfi.kit.com/adab4cc93c'&gt;&lt;em&gt;https://eastcoastfi.kit.com/adab4cc93c&lt;/em&gt;&lt;/a&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p&gt;For most of history, women weren’t just left out of wealth-building, we weren’t even in the conversation. Fast forward to today: Women are investing more than ever, making up a record percentage of stock market participants, growing businesses, and holding more financial power than at any point in history. That’s the win.&lt;/p&gt;&lt;p&gt;But here’s the fight: We’re still paid less, still have less wealth, and the traditional financial playbook assumes everyone earns, invests, and retires like a man. This means even when we &lt;em&gt;do&lt;/em&gt; everything right, we’re often playing catch-up.&lt;/p&gt;&lt;p&gt;So this Women’s History Month, we’re asking: What happens when we go from participating to leading?&lt;/p&gt;&lt;p&gt;We discuss&lt;em&gt;: &lt;/em&gt;&lt;/p&gt;&lt;ul&gt;&lt;li&gt;Why the wealth gap still exists even as women invest more than ever&lt;/li&gt;&lt;li&gt;How to rewrite the financial playbook so it actually works for us&lt;/li&gt;&lt;li&gt;Redefining financial confidence and owning it  &lt;/li&gt;&lt;li&gt;The investing strengths women already have and how to use them to win&lt;/li&gt;&lt;li&gt;Using community as a secret weapon and connecting with other women like “rich aunties” who’ve been through it and have the wisdom to share. &lt;/li&gt;&lt;/ul&gt;&lt;p&gt;&lt;b&gt;&lt;br/&gt;&lt;/b&gt;&lt;br/&gt;&lt;/p&gt;&lt;p&gt; &lt;b&gt;Connect with Julien and Kiersten &lt;/b&gt;on our &lt;a href='http://www.richandregular.com/'&gt;website&lt;/a&gt;, &lt;a href='https://www.instagram.com/richandregular/'&gt;Instagram&lt;/a&gt;, &lt;a href='https://twitter.com/richandregular'&gt;Twitter&lt;/a&gt;, and &lt;a href='https://www.youtube.com/@richandregular'&gt;YouTube&lt;/a&gt;.&lt;br/&gt;&lt;a href='https://richandregular.us19.list-manage.com/subscribe?u=ea4c6332a691ba7e83c195da7&amp;amp;id=dc61f8cd92'&gt;&lt;br/&gt;&lt;b&gt;Join our email list&lt;/b&gt;&lt;/a&gt;&lt;b&gt; to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.&lt;/b&gt;&lt;/p&gt; &lt;p&gt;Get our book &lt;a href='https://amzn.to/3uh2bn1'&gt;&lt;b&gt;Cashing Out: Win the Wealth Game by Walking Away&lt;/b&gt;&lt;/a&gt;&lt;b&gt;, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by Forbes&lt;/b&gt;&lt;br/&gt;&lt;br/&gt;If you would like to learn more about investing, &lt;b&gt;check out our newest class,&lt;/b&gt; &lt;a href='https://richandregular.com/learn/'&gt;&lt;b&gt;Making Money Grow&lt;/b&gt;&lt;/a&gt;&lt;/p&gt;</description>

Join a Shifting Wealth, Shaping Futures Circle today: https://investforbetter.org/swsf/  Not quite ready for a circle? Sign up for a free membership with Invest for Better: https://investforbetter.org/membership/Get your ticket to the Northeast FI Camp Women's Weekend: https://khbfinancial.com/northeastficamps/ For information about future, co-ed events, sign up for their email list: https://eastcoastfi.kit.com/adab4cc93cFor most of history, women weren’t just left out of wealth-building...

Ep 204: Women’s History Month 2025 | Celebrating wins and fighting for more

Are you scratching your head trying to understand Gen Z&apos;s approach to…life? You&apos;re not alone! This week, we’re exploring the fascinating and sometimes frustrating world of Gen Z finances, why traditional financial advice often misses the mark with this generation, and what actually resonates with them.Every generation thinks they had it hard. And to be fair, most of them did. But Gen Z? They’re becoming adults in a world that looks nothing like the one we grew up in. Between AI disrupting entire industries, the attention economy turning regular people into millionaires overnight, and inflation making rent feel like a luxury item, it&apos;s no wonder their financial expectations (and anxieties) are sky-high.In this episode, we break down:<ul><li>Why traditional financial advice isn’t built for Gen Z’s reality</li><li>The real reason they think they need $600K a year to be successful</li><li>Budgeting vs. Earning: We debate whether traditional budgeting advice is still relevant in today&apos;s economy, or if Gen Z&apos;s focus on increasing income is the smarter approach.</li><li>How careers, income, and investing have changed forever</li><li>The biggest mistakes Millennials and Boomers make when advising them</li><li>How this approach is different from hustle culture </li></ul>And most importantly, we share what actually works: learning how to earn, invest, and live in a world where stability is no longer the default setting.Whether you’re Gen Z trying to figure it all out, or just someone trying to understand them better, this episode is for you. Connect with Julien and Kiersten on our <a href='http://www.richandregular.com/'>website</a>, <a href='https://www.instagram.com/richandregular/'>Instagram</a>, <a href='https://twitter.com/richandregular'>Twitter</a>, and <a href='https://www.youtube.com/@richandregular'>YouTube</a>. <a href='https://richandregular.us19.list-manage.com/subscribe?u=ea4c6332a691ba7e83c195da7&amp;id=dc61f8cd92'> Join our email list</a> to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book <a href='https://amzn.to/3uh2bn1'>Cashing Out: Win the Wealth Game by Walking Away</a>, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by Forbes If you would like to learn more about investing, check out our newest class, <a href='https://richandregular.com/learn/'>Making Money Grow</a>

<description>&lt;p&gt;Are you scratching your head trying to understand Gen Z&amp;apos;s approach to…life? You&amp;apos;re not alone! This week, we’re exploring the fascinating and sometimes frustrating world of Gen Z finances, why traditional financial advice often misses the mark with this generation, and what actually resonates with them.&lt;/p&gt;&lt;p&gt;Every generation thinks they had it hard. And to be fair, most of them did. But Gen Z? They’re becoming adults in a world that looks nothing like the one we grew up in. Between AI disrupting entire industries, the attention economy turning regular people into millionaires overnight, and inflation making rent feel like a luxury item, it&amp;apos;s no wonder their financial expectations (and anxieties) are sky-high.&lt;/p&gt;&lt;p&gt;In this episode, we break down:&lt;/p&gt;&lt;ul&gt;&lt;li&gt;Why traditional financial advice isn’t built for Gen Z’s reality&lt;/li&gt;&lt;li&gt;The real reason they think they need $600K a year to be successful&lt;/li&gt;&lt;li&gt;Budgeting vs. Earning: We debate whether traditional budgeting advice is still relevant in today&amp;apos;s economy, or if Gen Z&amp;apos;s focus on increasing income is the smarter approach.&lt;/li&gt;&lt;li&gt;How careers, income, and investing have changed forever&lt;/li&gt;&lt;li&gt;The biggest mistakes Millennials and Boomers make when advising them&lt;/li&gt;&lt;li&gt;How this approach is different from hustle culture &lt;/li&gt;&lt;/ul&gt;&lt;p&gt;And most importantly, we share what actually works: learning how to earn, invest, and live in a world where stability is no longer the default setting.&lt;/p&gt;&lt;p&gt;Whether you’re Gen Z trying to figure it all out, or just someone trying to understand them better, this episode is for you.&lt;/p&gt;&lt;p&gt;&lt;br/&gt;&lt;/p&gt;&lt;p&gt; &lt;b&gt;Connect with Julien and Kiersten &lt;/b&gt;on our &lt;a href='http://www.richandregular.com/'&gt;website&lt;/a&gt;, &lt;a href='https://www.instagram.com/richandregular/'&gt;Instagram&lt;/a&gt;, &lt;a href='https://twitter.com/richandregular'&gt;Twitter&lt;/a&gt;, and &lt;a href='https://www.youtube.com/@richandregular'&gt;YouTube&lt;/a&gt;.&lt;br/&gt;&lt;a href='https://richandregular.us19.list-manage.com/subscribe?u=ea4c6332a691ba7e83c195da7&amp;amp;id=dc61f8cd92'&gt;&lt;br/&gt;&lt;b&gt;Join our email list&lt;/b&gt;&lt;/a&gt;&lt;b&gt; to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.&lt;/b&gt;&lt;/p&gt; &lt;p&gt;Get our book &lt;a href='https://amzn.to/3uh2bn1'&gt;&lt;b&gt;Cashing Out: Win the Wealth Game by Walking Away&lt;/b&gt;&lt;/a&gt;&lt;b&gt;, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by Forbes&lt;/b&gt;&lt;br/&gt;&lt;br/&gt;If you would like to learn more about investing, &lt;b&gt;check out our newest class,&lt;/b&gt; &lt;a href='https://richandregular.com/learn/'&gt;&lt;b&gt;Making Money Grow&lt;/b&gt;&lt;/a&gt;&lt;/p&gt;</description>

Are you scratching your head trying to understand Gen Z's approach to…life? You're not alone! This week, we’re exploring the fascinating and sometimes frustrating world of Gen Z finances, why traditional financial advice often misses the mark with this generation, and what actually resonates with them. Every generation thinks they had it hard. And to be fair, most of them did. But Gen Z? They’re becoming adults in a world that looks nothing like the one we grew up in. Between AI disrupting en...

Ep 203: Gen Z isn't the problem...Traditional financial advice is

This week, we’re talking about impact investing, which if we’re being honest, is a phrase we used to think was reserved for people who call their parents by their first names. Turns out, it’s one of the closest things we have to financial resistance (with receipts!).This episode drops on the last Monday of Black History Month 2025, a month that, for once, felt less performative. Not because there wasn’t Black history being made, there was, just like there is every day of the year…but because the usual corporate spectacle was dialed down. The hashtags were quieter, the campaigns were fewer, and the message was clear. But Black history isn’t something we just look back on, it’s something we build. And for more people than ever, that means thinking differently about where our dollars go, not just as consumers but as investors.Here’s what we get into:<ul><li>Why politicians keep telling us to “mobilize” but rarely mention money</li><li>The Target vs. Costco stock story that shows how companies respond when people start moving their money</li><li>The difference between boycotting as a consumer and influencing as a shareholder</li><li>How everyday investors now make up 25% of stock trading and why that matters</li><li>Why ignoring your investments isn’t neutral and what it means to be intentional with your financial power</li></ul>And because knowledge without action doesn’t change much, we’re also talking about real steps you can take. Kiersten shares her experience with Invest for Better Circles, a program that changed how she thinks about money and impact (and made her rethink her own investments in the process). Plus, if you’re a Black woman looking for a space to learn about this in community, there’s a new cohort designed just for us. Link below.TAKE ACTION:📌 <a href='https://investforbetter.org/swsf'>Join the waitlist</a> for the Shifting Wealth, Shaping Futures Circles for Black women 📌 Not a Black woman? No problem. Regular <a href='https://investforbetter.org/circles/'>Invest for Better Circles</a> are opening soon too  Connect with Julien and Kiersten on our <a href='http://www.richandregular.com/'>website</a>, <a href='https://www.instagram.com/richandregular/'>Instagram</a>, <a href='https://twitter.com/richandregular'>Twitter</a>, and <a href='https://www.youtube.com/@richandregular'>YouTube</a>. <a href='https://richandregular.us19.list-manage.com/subscribe?u=ea4c6332a691ba7e83c195da7&amp;id=dc61f8cd92'> Join our email list</a> to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book <a href='https://amzn.to/3uh2bn1'>Cashing Out: Win the Wealth Game by Walking Away</a>, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by Forbes If you would like to learn more about investing, check out our newest class, <a href='https://richandregular.com/learn/'>Making Money Grow</a>

<description>&lt;p&gt;This week, we’re talking about impact investing, which if we’re being honest, is a phrase we used to think was reserved for people who call their parents by their first names. Turns out, it’s one of the closest things we have to financial resistance (with receipts!).&lt;/p&gt;&lt;p&gt;This episode drops on the last Monday of Black History Month 2025, a month that, for once, felt less performative. Not because there wasn’t Black history being made, there was, just like there is every day of the year…but because the usual corporate spectacle was dialed down. The hashtags were quieter, the campaigns were fewer, and the message was clear. &lt;/p&gt;&lt;p&gt;But Black history isn’t something we just look back on, it’s something we build. And for more people than ever, that means thinking differently about where our dollars go, not just as consumers but as investors.&lt;/p&gt;&lt;p&gt;&lt;b&gt;Here’s what we get into:&lt;/b&gt;&lt;/p&gt;&lt;ul&gt;&lt;li&gt;Why politicians keep telling us to “mobilize” but rarely mention money&lt;/li&gt;&lt;li&gt;The Target vs. Costco stock story that shows how companies respond when people start moving their money&lt;/li&gt;&lt;li&gt;The difference between boycotting as a consumer and influencing as a shareholder&lt;/li&gt;&lt;li&gt;How everyday investors now make up 25% of stock trading and why that matters&lt;/li&gt;&lt;li&gt;Why ignoring your investments isn’t neutral and what it means to be intentional with your financial power&lt;/li&gt;&lt;/ul&gt;&lt;p&gt;And because knowledge without action doesn’t change much, we’re also talking about real steps you can take. Kiersten shares her experience with Invest for Better Circles, a program that changed how she thinks about money and impact (and made her rethink her own investments in the process). Plus, if you’re a Black woman looking for a space to learn about this in community, there’s a new cohort designed just for us. Link below.&lt;/p&gt;&lt;p&gt;&lt;b&gt;TAKE ACTION:&lt;/b&gt;&lt;/p&gt;&lt;p&gt;&lt;b&gt;📌 &lt;/b&gt;&lt;a href='https://investforbetter.org/swsf'&gt;&lt;b&gt;Join the waitlist&lt;/b&gt;&lt;/a&gt;&lt;b&gt; for the Shifting Wealth, Shaping Futures Circles for Black women &lt;br/&gt;📌 Not a Black woman? No problem. Regular &lt;/b&gt;&lt;a href='https://investforbetter.org/circles/'&gt;&lt;b&gt;Invest for Better Circles&lt;/b&gt;&lt;/a&gt;&lt;b&gt; are opening soon too &lt;/b&gt;&lt;/p&gt;&lt;p&gt;&lt;br/&gt;&lt;/p&gt;&lt;p&gt; &lt;b&gt;Connect with Julien and Kiersten &lt;/b&gt;on our &lt;a href='http://www.richandregular.com/'&gt;website&lt;/a&gt;, &lt;a href='https://www.instagram.com/richandregular/'&gt;Instagram&lt;/a&gt;, &lt;a href='https://twitter.com/richandregular'&gt;Twitter&lt;/a&gt;, and &lt;a href='https://www.youtube.com/@richandregular'&gt;YouTube&lt;/a&gt;.&lt;br/&gt;&lt;a href='https://richandregular.us19.list-manage.com/subscribe?u=ea4c6332a691ba7e83c195da7&amp;amp;id=dc61f8cd92'&gt;&lt;br/&gt;&lt;b&gt;Join our email list&lt;/b&gt;&lt;/a&gt;&lt;b&gt; to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life.&lt;/b&gt;&lt;/p&gt; &lt;p&gt;Get our book &lt;a href='https://amzn.to/3uh2bn1'&gt;&lt;b&gt;Cashing Out: Win the Wealth Game by Walking Away&lt;/b&gt;&lt;/a&gt;&lt;b&gt;, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by Forbes&lt;/b&gt;&lt;br/&gt;&lt;br/&gt;If you would like to learn more about investing, &lt;b&gt;check out our newest class,&lt;/b&gt; &lt;a href='https://richandregular.com/learn/'&gt;&lt;b&gt;Making Money Grow&lt;/b&gt;&lt;/a&gt;&lt;/p&gt;</description>

This week, we’re talking about impact investing, which if we’re being honest, is a phrase we used to think was reserved for people who call their parents by their first names. Turns out, it’s one of the closest things we have to financial resistance (with receipts!). This episode drops on the last Monday of Black History Month 2025, a month that, for once, felt less performative. Not because there wasn’t Black history being made, there was, just like there is every day of the year…but because...

Ep 202: Shareholders are rewriting the playbook for social change

rich &amp; REGULAR is the podcast for people who want to take charge of their money, pay off their debt, build their wealth, and live their best lives without being obsessed with money. Every week, Kiersten and Julien Saunders show you how money intersects with everything else in your life and teach you how to use it to your advantage. They share their insights and tips on how to make, save, and invest money in creative and unconventional ways. They also help you understand the big changes that are happening in the world and how to adapt to them.&nbsp; Because being rich &amp; famous is overrated. Being rich &amp; REGULAR is where it's at. &nbsp;

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