#DontBeBrokeBeWoke artwork

#DontBeBrokeBeWoke

50 episodes - English - Latest episode: over 2 years ago - ★★★★★ - 20 ratings

This podcast is for everyone trying to learn how to make money, save money, invest money and retirement planning. My mission however is to simplify these topics in order to help everyday folks, inner city kids, kids of many backgrounds, college graduates who want to know what's next and the parents stuck in deciding should they save for retirement or save for their kids college. As kids we should be thought about saving our money in ways that our money can grow and work us, we should be thought that retirement is not something you think about at 40, actually you can decide to retire at 40 if you do things right early. my dear parents, we worry so much about our kids that we forget about us, why can't we do both? Through this podcast we will be able to answer all those questions and many more topics. So join me as we leave broke behind and get financially woke.If you ever wanted to ask any questions, please email me at [email protected] or visit the @dontbebrokebewoke instagram page for daily content.https://linktr.ee/dontbebrokebewoke

Investing Business investing saving retirement compound interest real estate reitss stock market passive income side hustles
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Episodes

Talking to a Millennial Mom Building Generational Wealth

September 23, 2021 12:00 - 44 minutes - 30.3 MB

For the second week in a row, I had the pleasure of speaking with a wonderful person named Danielle. I can promise you I did not plan it, it just kinda happened. As the first person in her family to graduate college, Danielle is using her financial knowledge to help educate others. Like many of us, Danielle was at one point living paycheck to paycheck and went through several years of financial struggle. But today, she paid off most of her debt, boosted her income from a variety of side hus...

Talking Women in Finance with Singlemommoney

September 16, 2021 16:00 - 43 minutes - 30 MB

I got to talk to Danielle today, a single mother who is killing it on Youtube and Instagram with her finance videos and posts. When she became a divorce single mom making $25,000 a year, Danielle knew she had to make major changes. She took command of her finances by increasing her income, doing side hustles, paying off debt and investing. She then decided to start a YouTube and Instagram page and she quickly realized that there we so many people, most notably women, that needed to hear wh...

First Generation Latina talks Financial Literacy

September 08, 2021 18:00 - 47 minutes - 32.5 MB

Throughout this process of connecting with personal finance influencers, the overwhelming theme is to build wealth for them and their kids. Talking to Maria, she brought something new to the conversation. In addition to building wealth for her and educating her kids to make sure they get generational wealth, her and her husband are doing this for their parents. Maria moved to California from Mexico as a young girl and knowing all her parents did for her, she wants to make sure they can enjo...

Talking Crypto with The Crypto Clique

September 02, 2021 18:00 - 36 minutes - 25.4 MB

Y'all wanna hear more about crypto, I get it. So finally, I am bringing the the episode so many of you had been had been asking about. I had the pleasure of speaking with Sarah @thecryptoclique about all things crypto and boy did I learned a ton. No lie, I have done alot of reading on the crypto world but it's so different when an expert can break it down for you in very simple terms. What I think we can appreciate from this episode is that it was educational. Most crypto people I know ca...

Talking everything with Billy Guan Money Magic

August 25, 2021 18:00 - 51 minutes - 35.2 MB

Guys, you ever find yourself scrolling through Instagram seeing the same ol' stuff and you stop at something and you keep rewatching it? Well that's how I felt a few months back when I stumbled on Billy Guan Money Magic IG Page. He was using a coin with a clear glass to demonstrate something that had to do with finance.  I kept watching it and watching it to see if I can see he was cheating me. After a few mins I started going over his page and his message was different than most finance in...

Talking money things with Investing Latina

August 18, 2021 13:00 - 44 minutes - 30.6 MB

Jully-Alma Taveras also known online as Investing Latina, is a Plutus Award-winning bilingual (spanish) personal finance expert. She writes for publications like CNBC, Time's Next Advisor, HuffPost, and others on money topics ranging from saving to investing. On her YouTube channel, she tells money stories from the lens of a Dominican Republic-born immigrant living in New York that went from being a shopaholic to a smart spender and diligent investor. Her money philosophies have inspired tho...

The 19 year old behind Thefinancialphoenix

August 11, 2021 14:00 - 39 minutes - 27.3 MB

I don't know about y'all, but at 19, the last thing on my mind was financial literacy. Not really my fault, it is not something I even grew up thinking about, since my parents never talked to me about it. Being wise financially was never gonna be me. But that ain't Sean! I met Sean on Instagram a few months back and we've collaborated on content and I have seen his page grown alot since that time. I was amazed how someone so young was on IG trying to grow his page while helping people learn...

WE ARE BACK!!! NEW SEASON!!

August 04, 2021 18:00 - 20 minutes - 14.4 MB

Wassup wokers! I hope you all are having a good summer. I've taken the past 5 weeks off to focus on making the podcast alot better for you. I understand you are tuning in every week to listen to what i have to say but I can speak for hours. So I am going to have special guest on for the most part to discuss a variety of different subjects. I am excited for this new season but before we start with our first guests, I want to give you one last rant from me. Enjoy! Follow my IG page for dai...

5 Stocks You Should Look Into

June 16, 2021 21:00 - 28 minutes - 19.7 MB

So for today's episode I wanted to discuss Five hot stocks. I have been doing a-lot of research on individual stocks to understand the best bargain and best opportunity for more growth. I invest in hype, sure sometimes I miss out on some opportunities but so many times I am saved from catastrophic mistakes. Instead, I invest in companies that I see have good fundamentals and with a true need in the world. With that said, let's discuss these five hot stocks and let me know what you think. A...

How I made a milli with AMC Stock!

June 08, 2021 23:00 - 24 minutes - 16.6 MB

Yes folks, it happened! AMC! I would like to thank all the haters out there for not believing in AMC... AMC is a good company and I love going to the movies so why wouldn't i believe in that stock.  alright, alright i am sure you rather hear me talk about this instead of me typing about it. Follow my IG page for daily investing and finance content @dontbebrokebewoke Support the show

How to buy individual stocks

June 01, 2021 12:00 - 40 minutes - 27.7 MB

You have money, you want to invest in the stock market. You've gone online and typed" stocks to invest in", with a bunch of results coming back with dozens of articles of specific stocks you should buy and hold forever, or buy in 2021, or buy now etc. How do you pick the best stock? How do you know that the stock you are picking is the best option for you? Today I want to help with the stock picking process. Let me just say, I am an index fund investor so my investing strategy is a-lot eas...

You SHOULD start these side hustles!

May 25, 2021 12:00 - 30 minutes - 21.3 MB

Ok Ok Ok, i am sure you are sick of hearing that the way to pay off debt and invest more is to make more money. Well you are tapped out at work, so no more raises coming there. Plus if you work 8 hours compare to 12 hours your salary does not change much if at all. So why not use your extra time to effect how much more money you can make. Side Hustles are a great easy way to build different income streams. Something as simple as dog walking to renting you car, to running a blog site, can ma...

Debt is Actually Good

May 18, 2021 12:00 - 24 minutes - 16.6 MB

Did I get your attention with the title? Good, I think debt gets a bad rap all the time and it should with a lack of financial literacy. But what if, like everything else, you can leverage debt for good? If you wanna know what I am talking about, take a listen to today's episode. Click on  https://linktr.ee/dontbebrokebewoke if you want to grab a free copy of budget template. Follow my IG page @dontbebrokebewoke for more investing and finance content! Support the show

Guest LaToya Robinson talks Real Estate, Investing and Option Trading

May 04, 2021 12:00 - 48 minutes - 33.6 MB

I have known LaToya for over 5 years and we've both been promoted and I think have had a productive career at our current employer. However, we've never really talk outside of work until I saw her work in Real Estate and she saw my podcast. So we got together to discuss quite a few topics such as being a women Realtor, your business of empowering women all over the country, how she started investing using option trading and many more. I hope you all are excited as I am for today's episode...

What are Robo Advisors and are they good for you?

April 27, 2021 12:00 - 25 minutes - 17.9 MB

In today's world of investing, there are no short of brokerage options. One popular option which I think is still unknown with new investors are robo advisers. In fact robo - advisors are more popular than ever. The industry has experienced explosive growth; client assets managed by robo-advisors hit $987 billion in 2020, with the expectation of reaching $2.9 trillion worldwide by 2025.  A typical robo-advisor collects information from clients about their financial situation and future goal...

My Thoughts on Crypto, Bitcoin, Dogecoin and more

April 20, 2021 12:00 - 26 minutes - 18.2 MB

FINALLY! I am talking Crypto today! If you are new to investing, I've created a step by step guide for the new investors. Click on the link below to grab a copy: https://linktr.ee/dontbebrokebewoke Follow my IG page for all investing and finance content @dontbebrokebewoke Support the show

6 Accounts Needed for Financial Freedom

April 13, 2021 17:00 - 34 minutes - 23.6 MB

Getting to a place where you feel like you are getting ahead with money is a lot easier when you know where your money is going but most importantly, when you have a place for your hard earn money to go. You get paid, and you need that money to go in various places or else you will spend it all. The idea is to not be paycheck to paycheck. Today, we will learn about 6 accounts that I think everyone should have to reach financial freedom. All 6 are not required to have at one time right off th...

Should you pay off debt or start investing?

April 06, 2021 11:00 - 21 minutes - 15.1 MB

For anyone starting to invest, the big ol' question of paying off debt or invest always pops up. Because everyone situation is different, I will discuss how in some cases you can do both. If you are new to investing, I've created a step by step guide for the new investors. Click on the link below to grab a copy: https://linktr.ee/dontbebrokebewoke Follow my IG page for all investing and finance content @dontbebrokebewoke Support the show

Money, Money, Money....

March 30, 2021 11:00 - 23 minutes - 16.5 MB

Ever wonder why money makes people so miserable? Money makes us miserable because we let it control our lives. Sure you need money for basic living expenses, but unless you don't work, you should be well off. Instead, we live beyond your means and found ourselves constituently chasing money, and more money, and more money. Until one day, we may realize that money was helping us get and do stuff. But why did we get and do those things? Cuz we could? Cuz it made us happy? Cuz it provided us so...

Money, Money, Money....

March 30, 2021 11:00 - 23 minutes - 16.5 MB

Ever wonder why money makes people so miserable? Money makes us miserable because we let it control our lives. Sure you need money for basic living expenses, but unless you don't work, you should be well off. Instead, we live beyond your means and found ourselves constituently chasing money, and more money, and more money. Until one day, we may realize that money was helping us get and do stuff. But why did we get and do those things? Cuz we could? Cuz it made us happy? Cuz it provided us so...

Let's Learn about the Stock Market

March 16, 2021 12:00 - 29 minutes - 20.4 MB

We all hear about the stock market and people will say:" the market is up /down today". But what does that mean? Is every stock up or is every stock down? We hear the president talking about the Dow Jones just hitting a record so the stock market is doing well. Is that how we measure how Wall Street is doing? What about the S&P500, I talk about it in almost all my podcast, I am sure you see me posting a bunch of content on social media using S&P500 data. Is that how we measure how the mark...

Investing in Real Estate. No Money? No Problem!

March 09, 2021 11:00 - 25 minutes - 17.6 MB

When you hear the words “invest in real estate,” what comes to mind? Is it a second home, a plot of land, a rental apartment complex, or a luxury hotel? All good choice as real estate ideas. You  may only associate investing in real estate with owning and selling physical properties or making money on rental income. And for many, that might seem totally out of reach. The good news is investing in the real estate market is much more realistic than you may realize — and it’s becoming increas...

Special Guest Jemmiah A. Edwards, B.S, PMP on Financial Literacy

March 02, 2021 12:00 - 47 minutes - 32.3 MB

I am happy to introduce Jemmiah A Edwards, B.S.,Jemmiah is the first guest ever on the podcast and today we are going to discuss the work she is doing to help bring financial literacy  to a variety of age groups. Jemmiah and I worked together years ago and we reconnected recently after I started the podcast and we I wanted to have her own to share her story as a single mother raising and teaching her son financial literacy. On top of that, she is building her businesses to help change how pe...

Episode 24: Inflation is eating away at your savings!

February 23, 2021 12:00 - 26 minutes - 18 MB

Today's episode is targeting folks who have the means to put their money to work but decide to leave it in their savings account due to  fear of separation, lack of knowledge or both. I met with a friend of mine a few weeks ago who was keeping 5 figures in their savings account with maybe a 0.20% APY. I was initially shocked, then disgusted and finally hopeful. I was shocked because i could not believe someone kept all that money in their savings account and had NOTHING invested. I was di...

Episode 23: Roth IRA or Bust

February 16, 2021 12:00 - 36 minutes - 25.1 MB

Two years into my investing career, I looked at my portfolio one day and said:" how do I set up my accounts to pay less taxes in retirement?" So I started googling and Youtubing ( if that is even a word) ways to pay less taxes when I retire, and two words kept coming up over and over: ROTH IRA. Finding out about this account was a game changer for me and the way I looked at my portfolio from that day forward. I could not believe that there was an account out there that allowed you to contri...

Episode 22: Using the stock market to easily build wealth

February 09, 2021 12:00 - 31 minutes - 21.9 MB

Going back to basics today discussing: 1.  The meaning of stock market indexes, 2. The three most popular indexes used, 3. What is the index used more often buy investors to build wealth. Most importantly, we are going to address how the slow and boring index investing is the simplest way for anyone to invest and build generational wealth. If you ever wanted to ask any questions, please email me at [email protected] or visit the @dontbebrokebewoke instagram page for dai...

529 Savings Plan or Custodial Account

February 02, 2021 12:00 - 18 minutes - 12.7 MB

Ever asked yourself?  How can you start saving for your kids? Where would you go to find the right account? Do you save for college or something else? OR BOTH? Saving for your children is one of the most important decision you can make as a parent. But many of us in traditional vehicles such as  savings accounts and just save enough for that time when your kids need it. What if you can save your money in a place where it grown the stock market appreciation and even tax free? Today we a...

Bonus Episode: My thoughts on Gamestop, Robinhood and more.

February 01, 2021 11:00 - 27 minutes - 19.2 MB

Yep, last week was  crazy, exciting, unforeseen and whatever other adjectives you wanna use to describe it. I wanted to drop in your feeds a day early to discuss my thoughts on it all. Why did Gamestop and other bad companies stock skyrocket last week? What did Robinhood do and how do I feel about it?  Most importantly, my thoughts on why such a great week from our biggest and best companies was overshadowed by companies that would never be discussed in a thousands years otherwise. Let's di...

Episode 20: Best brokerage account for your level

January 26, 2021 12:00 - 31 minutes - 21.5 MB

Where should I go to start investing? Said all new investors out there. And the answer to that is: anywhere! Though there are plenty of brokerages out there you can use to start investing, I want to discuss the ones that fit each investors level. For example, people think Robinhood is great for new investors, i could not disagree more and I will explain why. If you are new to investor and to learn about investing in areas/sectors that you care about, there is a special brokerage for you. I...

Episode 19: Are you an investor or a trader?

January 19, 2021 15:00 - 29 minutes - 20.6 MB

When I started investing in the stock market 5 years ago, I was definitely a trader, even though I thought I was an investor. Well, I was so wrong and it cost me dearly. It cost me money, but most importantly it cost me time. Today, you are going to find out if you fall into the category of trader or investor, and if I still think of myself as a trader or an investor. If you ever wanted to ask any questions, please email me at [email protected] or visit the @dontbebrokebewoke Faceb...

Episode 18: Five stocks to buy right now!

January 12, 2021 12:00 - 31 minutes - 21.9 MB

2021 is still fresh so this is a good time to look at your portfolio to see what new positions you may want to add now and hold for long term. So today I am going to talk about 5 stocks I think you should be looking into for the new year.  We will be discussing stocks in various sectors such as technology, science, energy, electric vehicle (ev) and e-commerce. Use this episode to do your own research on these stocks and others in the sector if you want to add smilier names to your portfoli...

Episode 17: Money moves to start 2021

January 05, 2021 11:00 - 29 minutes - 20.6 MB

2021 is here! I am sure many of you are excited to leave 2020 behind and look ahead of a new year and new opportunities. With that I want to caution you not to make some huge prediction, or resolution for the year such as, this year I am gonna lose 20 pounds! Though that may be a year end goal,  you get all excited when you starts and then by February you lose focus. You tell yourself: "I have plenty of time." But do you have plenty of time? The longer you wait to start, the more difficult i...

Travel Hacking! How you can travel the world for free.

December 15, 2020 12:00 - 37 minutes - 26 MB

Is it possible to travel the world without having to pay for anything? Yes, it just takes some time to listen to today's episode and learn this hack by using the power or credit cards. If you ever wanted to ask any questions, please email me at [email protected] or visit the @dontbebrokebewoke Facebook/Instagram pages. Because these offers change frequently…I would recommend checking out the following sources which list the best  offers each month: https://thepointsguy.com/ https:/...

Episode 16: Travel Hacking! How you can travel the world for free.

December 15, 2020 12:00 - 37 minutes - 26 MB

Is it possible to travel the world without having to pay for anything? Yes, it just takes some time to listen to today's episode and learn this hack by using the power or credit cards. If you ever wanted to ask any questions, please email me at [email protected] or visit the @dontbebrokebewoke Facebook/Instagram pages. Because these offers change frequently…I would recommend checking out the following sources which list the best  offers each month: https://thepointsguy.com/ https:/...

Episode 16: Travel Hacking! How you can travel the world for free.

December 15, 2020 12:00 - 37 minutes - 26 MB

Is it possible to travel the world without having to pay for anything? Yes, it just takes some time to listen to today's episode and learn this hack by using the power or credit cards. If you ever wanted to ask any questions, please email me at [email protected] or visit the @dontbebrokebewoke Facebook/Instagram pages. Because these offers change frequently…I would recommend checking out the following sources which list the best  offers each month: https://thepointsguy.com/ https:/...

Episode 15: Should I invest in Airlines or Cruises in 2021? Or Neither...

December 08, 2020 12:00 - 36 minutes - 25.3 MB

You just got a little extra money and you want to invest in stocks that were heavily hit by the pandemic. The hope is now we have a vaccine and those stocks will explode. Let's take a look at the travel industry for example, between airlines, cruises, hotels etc, they have been battered and though many of those stocks have recovered from their march lows ( when the pandemic was declared) a lot of them still have a LONG way to go. So today, we are gonna try to look at the many companies/stoc...

Episode 14: You asked questions, I am answering them.

December 01, 2020 11:00 - 36 minutes - 25 MB

After 13 episodes and over 1000 downloads, I wanted to use today's episode to answer some of your important questions. Over the past 2 months, i've gotten a lot of questions and intend of spreading them out via multiple episodes, I am using today to answer your many questions. If you ever wanted to ask any questions, please email me at [email protected] or visit the @dontbebrokebewoke Facebook/Instagram pages. Support the show

Episode 13: This retirement savings vehicle may be better than your 401K

November 24, 2020 11:00 - 42 minutes - 29.5 MB

Ever heard of a Health Savings Account or HSA? If so, I am sure you know of it as an account to help pay for your qualified medical expenses such as deductibles, copays or maybe even your eye glasses. However, did you know that the HSA is also one of the best Retirement Savings account around? Yep, it may even be better than a Roth IRA or a 401K by offering an array of tax benefits,  3 of them actually, that the others don't offer all together. In today's episode we are going to talk about t...

Episode 12: How to get the most out of your 401k plan

November 17, 2020 10:00 - 36 minutes - 25.2 MB

You have a 401k right? Great, that's an awesome first step. Now what? How much are you contributing? Do you know if your company is matching? How much do they match? Have you looked at where your money is invested inside your 401k? Are the returns on par with what you are looking for? Yes, these are ALL questions you should know while you sign up for your 401k or know after you've contributed to it. Your company 401k is a powerful vehicle towards financial independence and retirement. Cli...

Episode 11: How to make passive income with $1000

November 03, 2020 12:00 - 37 minutes - 26.1 MB

When you buy a property and rent it out, you get rental income. You made an investment and for years, you are gaining appreciation on that house and some passive income without doing anything. Well unlike rental income, which requires a pretty nice chunk of money to buy the property, there are a lot less expensive and easier ways to make passive income. With just $1000, I want to share some ways to make that money work for you. I caution you however, if you are expecting to hear how that ini...

Episode 10: Building and Repairing Credit

October 27, 2020 11:00 - 42 minutes - 29.1 MB

Many of us know know that having credit is important. But so many of us, don't understand how credit works. On today's episode, I will define what makes up our credit score, what are the metrics that impact the score both positively and negatively. In addition, if you don't have any credit and you want to start building credit, what are the many ways you can go about doing that. For those of us who have credit but it's poor, do not discourage. There are many ways we can work to slowly build ...

Episode 9: Five Side Hustles YOU should start Today!

October 20, 2020 13:00 - 29 minutes - 20 MB

I used an instagram poll last week asking what people wanted to listen to: Credit Repair/Building or Side Hustles. Via a small margin, Side Hustles won! A lot of us have more free time now than we did pre Covid, and we want to find ways to make some extra money safely. Well there are numerous side hustles you can do from home,  from your couch, actually from your bed, that you can do TODAY, to help you make some extra money. Making money o the side is not a sign of weakness, it is a sign of ...

Episode 8: Understanding your Debt is KEY

October 13, 2020 13:00 - 35 minutes - 24.6 MB

So many of us are in debt and we don't even realize how we got there. To make matters worse, we struggle with how to get out of debt. Should we make more money to pay those bills? Should we spend less money? What bills should I prioritized? these are just some of the first questions we asked. The most important question in my opinion is: Do I know what my debt is? The answer to that question seems easy enough, until you start to dig and become overwhelmed with what you find and how to handle...

Episode 7: Retirement Planning is FUN and TERRIFYING!

October 06, 2020 13:00 - 39 minutes - 27.6 MB

We are all planners, you plan your day, your week, your weekend, your vacation, sometimes your kids life lol. BUT we rarely think deep in the future to retirement. I think we all know that we want to retire at a certain age right. But what is that age? And once you've reached that age, do you know how long you will live? I doubt it, but you need to plan for that, you need to plan to outlive your savings and not the other way around. On today's episode I want to help plan all the aspects of r...

Episode 6: Investment SUGGESTIONS!

September 29, 2020 12:00 - 35 minutes - 24.6 MB

Is there a specific amount needed to start investing? Ok, you have a little something you want to invest, how do you do that and where? One of the biggest reasons people leave money in their savings accounts instead of putting it use, is because most people don't know HOW to start. And when they've gone to the process of picking the right brokerage account, the bigger obstacle is where do I start. Should we buy individual Stocks, Mutual Funds, Index Funds, Real Estate or others? I want to he...

Bonus Episode: A little story... about me

September 23, 2020 10:00 - 33 minutes - 23.1 MB

Taking a small break from all the advice giving and use this episode to talk about me. I already shared on episode one, why I decided to do this podcast. So today, I wanted to share my personal story of struggle and what fueled my obsession with money, growth and preparation. I intended for this episode to be 15 mins but I guess I forgot all that has happened the past 8 years. Also, today I was relegated to record in my wife's office and it's not as quiet as my regular spot. So I apologize ...

Episode 4: Investing is a CRIME!

September 21, 2020 10:00 - 34 minutes - 24 MB

Investing is a crime? YES! It's a crime because of all the benefits it provides when done properly. Ok, maybe my sarcasm was a crime there with that example; but just like teaching kids about, savings, biology, chemistry and history, discussing investing early should be a prerequisite for both parents and teachers. Real Estate, Stocks, Bonds, Commodities, Art and others can all be vehicles in which one can invest in. In this episode, we will learn what it really means when we say the sooner ...

Episode 3: Saving is NOT Enough!

September 17, 2020 00:00 - 31 minutes - 22.3 MB

Remember growing up and your parents telling you to save money? Either it was for that haircut, clothes, date night or that first car as a teenager. Well we hold on to that thought through college, first full time job etc. But what we did not know or were not told, is that saving is not enough, saving on it's own won't do the ultimate job for your long term goal. To say it bluntly, keeping your money in your savings account for 10 years, is not smart. let's talk about that. If you ever want...

Episode 2: What is YOUR Goal?

September 16, 2020 23:00 - 27 minutes - 19.3 MB

You want to save for a car, house, wedding, travel, retirement? That's easy to do once you know what you are saving for. BUT, the road ahead can be super bumpy if we do not address the one thing that slows us down. That one thing is DEBT! So in this episode dives into  the various goals you may have, what keeps you from the goal, and how you can get to that goal quicker but doing a BUDGET, If you ever wanted to ask any questions, please email me at [email protected] or vis...

Episode 1: Why am I doing this?

September 16, 2020 22:00 - 21 minutes - 14.9 MB

Why am I starting this podcast? Since COVID-19, I have seen more and more people saving money and sitting on that cash. I have had young adults like my 21 year old daughter ask me how can she start investing and how hard is it. I have talked to many people who are investing but either passively or with the idea of hitting it big like the lotto. And most importantly, I realized that I am closer to retirement than to my college days and I was clueless to what were the next steps.This episodes ...