Latest Gettingoutofdebt Podcast Episodes
130: Rent or Own? What Gen Z Should Know Before Living On Their Own For The First Time
On My Way to Wealth - December 14, 2022 08:00 - 21 minutes ★★★★★ - 18 ratingsIn this episode Luis talks about: Long-term cost and benefits of buying a home vs. renting The biggest difference between renting and owning Cost-benefit analysis and what you are able and willing to spend How much of your time can you invest into home ownership Bottom line for Gen Z ...
129: When Opportunity Knock$ with Louis Barajas, MBA, CFP®, EA
On My Way to Wealth - November 30, 2022 08:00 - 45 minutes ★★★★★ - 18 ratingsIn today’s episode, Luis speaks with Louis Barajas. Louis is the first Latino CERTIFIED FINANCIAL PLANNER™ pro, speaker, author, and entrepreneur. Growing up in East Los Angeles to Mexican immigrant parents, Louis was passionate about imparting financial wisdom to the unbanked Latin community. H...
128: 2022 Year-End Planning Opportunities
On My Way to Wealth - November 16, 2022 08:00 - 15 minutes ★★★★★ - 18 ratingsThere’s still time to make some money moves in 2022. Tune in to episode 128 to learn what you can do to end 2022 strong and start 2023 with great momentum. Notes: In this episode Luis speaks about the following: Student Loan Payments Resuming Reflecting on Life Changes That Happened Duri...
127: Growing up Latina with Arelis Correa
On My Way to Wealth - October 12, 2022 07:00 - 43 minutes ★★★★★ - 18 ratingsArelis Correa serves as VP, Director, Global Acquisition for Brown-Forman Corporation. With a specialization and passion for recruiting talented people to join Brown-Forman, Arelis has served in talent acquisition roles with increasing responsibility during her 18 years at the company. This incl...
126: Growing up Latina with Joyce Rojas
On My Way to Wealth - October 05, 2022 07:00 - 43 minutes ★★★★★ - 18 ratingsJoyce Rojas has positively impacted thousands of people’s lives by shifting their relationship with money. She’s the national and international bestselling author of 31 Badass Money Mindset Affirmations, has been a top financial advisor at Fortune 500 companies, holds a Master’s in Business Admi...
125: Growing Up Latino with Uziel Gomez
On My Way to Wealth - September 28, 2022 07:00 - 53 minutes ★★★★★ - 18 ratingsUziel is a first-generation college graduate. He was born and raised in San Fernando, California, where his parents migrated after leaving their native country, Mexico. Uziel’s dad is a construction worker, and his mom is a homemaker. Growing up in a low-income household, Uziel explored careers ...
124: Growing up Latina with Joelle L. Martinez
On My Way to Wealth - September 21, 2022 07:00 - 52 minutes ★★★★★ - 18 ratingsIn this special Hispanic Heritage Month Edition episode, Luis speaks with Joelle L. Martinez. Joelle is the president and CEO of the Latin Leadership Institute. Joelle is a nationally recognized executive, strategist, speaker and facilitator. A visionary leader, Joelle has dedicated her life...
123: Growing up Latina with Valerie A. Rivera, CFP®
On My Way to Wealth - September 14, 2022 07:00 - 38 minutes ★★★★★ - 18 ratingsIn this special Hispanic Heritage Month Edition episode, Luis speaks with Valerie Rivera. Valerie is the founder of FirstGen Wealth, a financial planning practice serving early to mid-career first-generation wealth builders across the country. She is passionate about normalizing quality financia...
122: My Thoughts on Bank of America’s No Money Down Mortgage Loan
On My Way to Wealth - September 07, 2022 07:00 - 18 minutes ★★★★★ - 18 ratingsBank of America recently announced a new no money down mortgage program for first-time home buyers, called the Community Affordable Loan Solution™. Tune in to learn about this new program, and to hear my thoughts on no money down mortgage loans. Notes: In this episode, Luis speaks about the ...
121: Student Loan Forgiveness; What You Should Know
On My Way to Wealth - August 31, 2022 07:00 - 10 minutes ★★★★★ - 18 ratingsThe Department of Education recently announced a new plan which will provide for additional deferment of payments on federal student loan debt, as well as loan forgiveness for millions of borrowers. Tune in to learn the qualification criteria and see if you’re eligible. Notes: In this episod...
120: The IRS is Hiring 87,000 New Agents; Should You Be Worried About an Audit?
On My Way to Wealth - August 24, 2022 07:00 - 10 minutes ★★★★★ - 18 ratingsThe Inflation Reduction Act was recently signed into law and allocated $79 billion dollars for the IRS. The IRS is said to hire 87,000 full-time employees, which has caused some concern from some regarding the likelihood of IRS audits increasing. Tune in to learn why the IRS needs this kind of f...
119: How New Changes to Medical Debt Reporting Can Boost Your Credit Score
On My Way to Wealth - August 17, 2022 07:00 - 16 minutes ★★★★★ - 18 ratingsAccording to the Consumer Financial Protection Bureau, Americans are struggling with over $88 Billion dollars in medical debt. Tune in to learn how new medical debt reporting changes will impact your credit scores. Notes: In this episode, Luis speaks about the following and more: New chang...
118: How to Save Taxes by Using a Dependent Care FSA
On My Way to Wealth - August 10, 2022 07:00 - 11 minutes ★★★★★ - 18 ratingsChildcare is one of the biggest expenses for some families. Tune in to learn how to take advantage of the pre-tax benefits of a Dependent Care Flexible Spending Account. Notes: In this episode, Luis speaks about the following and more: What is a Dependent Care FSA? Eligible Expenses Dol...
117: Term Life vs. Whole Life Insurance: Which One is Best?
On My Way to Wealth - July 06, 2022 07:00 - 16 minutes ★★★★★ - 18 ratingsLife insurance is an important aspect of your overall financial plan. With so many options available, how do you know which one is best? Tune in to learn about the two most common types of life insurance and which one is best for your circumstances. Notes: In this episode, Luis speaks about ...
116: 7 Steps to a Bad Ass Retirement with Jose V. Sanchez, CFP®
On My Way to Wealth - June 29, 2022 07:00 - 46 minutes ★★★★★ - 18 ratingsJose is from the small town of Glorieta, New Mexico. Although poor monetarily, he was raised in an environment that was wealthy in traditions, family, and community. His parents were both educators and community leaders, and inspired Jose throughout his life. He learned the value of a hard-earne...
115: 4 Things You Need to Know About Bear Markets
On My Way to Wealth - June 22, 2022 07:00 - 12 minutes ★★★★★ - 18 ratingsThe S&P 500 is now in bear market territory. Before you make any moves, tune in to learn four things you need to know about bear markets. Notes: In this episode, Luis talks about the following and more: Definition of bear market Average occurrence and length of bear markets The one thin...
114: Inherited IRA Rules - What You Need To Know
On My Way to Wealth - June 15, 2022 07:00 - 21 minutes ★★★★★ - 18 ratingsInherited IRAs can be a great way to continue to build wealth. Tune in to learn the IRS distribution rules in order to minimize taxes on your distributions and take advantage of tax deferred growth. Notes: In this episode, Luis talks about the following and more: Required Minimum Distributi...
113: 5 Ways You Can Build Generational Wealth
On My Way to Wealth - June 08, 2022 07:00 - 26 minutes ★★★★★ - 18 ratingsA solid financial foundation is key to building generational wealth. Tune in to listen to easy to implement ways that you can start on your money journey and build a better financial future for yourself and generations to come. Notes: In this episode, Luis talks about the following and more...
112: How to Grow Your Net Worth Like the Wealthy
On My Way to Wealth - June 01, 2022 07:00 - 28 minutes ★★★★★ - 18 ratingsKnowing and keeping track of your net worth is a great tool to measure progress in your finances. Tune in to learn how to grow your net worth and build a better financial future. Notes: In this episode, Luis talks about the following and more: How to calculate your net worth Strategies for...
111: What To Do (and not) When the Stock Market Dips
On My Way to Wealth - May 18, 2022 07:00 - 19 minutes ★★★★★ - 18 ratingsThe major stock market indices are in negative territory year to date. With talks of a possible recession, inflation, and the war between Russia and Ukraine, there is a lot of uncertainty. Tune in to learn the do’s and don’ts when the stock market is down so that you protect your investments and...
110: Should Inflation Really Concern You?
On My Way to Wealth - May 11, 2022 10:00 - 22 minutes ★★★★★ - 18 ratingsPrices of goods and services continue to rise as a result of inflation. Tune in to learn how this impacts your personal finances and some things you can do to help offset the effects of inflation. Notes: In this episode, Luis talks about the following and more: What inflation is and why it ha...
109: How to Teach Your Kids About FUNancial Literacy with Mac Gardner, CFP®
On My Way to Wealth - May 04, 2022 07:00 - 37 minutes ★★★★★ - 18 ratingsFinancial education starts at home. Now more than ever, it is important to teach our kids about personal finance at a young age. Tune in to my conversation with Mac Gardner, CFP® where we talk about Mac’s book, The Four Money Bears as well as the game/app currently in development. Notes: In...
108: How Sunk Cost Fallacy is Hurting You & How to Avoid It
On My Way to Wealth - April 27, 2022 07:00 - 19 minutes ★★★★★ - 18 ratingsHave you ever continued doing something that no longer serves you only because of the amount of time, energy, money & effort that you’ve invested in it? Tune in to learn how this behavior negatively impacts your future and how to avoid it! Notes: In this episode, Luis talks about the followi...
107: Building Your Personal Brand with Brittney Castro, CFP®
On My Way to Wealth - March 30, 2022 07:00 - 40 minutes ★★★★★ - 18 ratingsIn this Women’s History Month special episode, Luis speaks to Brittney Castro. Brittney is a leading speaker, host, and brand ambassador and has worked alongside top brands like Chase, Mint, ETrade, CNBC, Gemini, AirBnB, Zoom, Altruist, Refinery29, and more to promote financial literacy via medi...
106: Paving Your Own Path to Success: Women Entrepreneurs with Suzanne Lawrence
On My Way to Wealth - March 23, 2022 07:00 - 43 minutes ★★★★★ - 18 ratingsPaving Your Own Path to Success: Women Entrepreneurs In this Women’s History Month special episode, Luis speaks with Suzanne Lawrence. Suzanne is CEO and founder of Advisor Business Solutions based in Long Beach, CA. She is a strategic business management specialist with over 20 years of experie...
105: Owning Your Voice & Telling Your Story with Miri Rodriguez
On My Way to Wealth - March 16, 2022 07:00 - 47 minutes ★★★★★ - 18 ratingsIn this special Women’s History Month Episode, Luis speaks with Miri Rodriguez. Miri is a globally recognized Storyteller and author of Brand Storytelling. She is a creative journalist and content strategist, evangelizing brand narrative and showcasing how thought leaders can leverage storytelli...
104: Why Women Should Invest: The Good, the Bad, The Ugly!
On My Way to Wealth - March 09, 2022 08:00 - 14 minutes ★★★★★ - 18 ratingsLess than half of the women in the U.S. are investing. Tune in to learn some of the reasons why, and how women can start taking charge and invest in their future. Notes: In this episode, Luis talks about the following and more: Reasons why women tend to not invest Factors that benefit women ...
103: 5 Reasons Why You Need Renter’s Insurance!
On My Way to Wealth - March 02, 2022 08:00 - 13 minutes ★★★★★ - 18 ratingsMany people are under the misconception that their landlord’s policy will cover them in case of an incident. Tune in to learn why you may want to consider purchasing a renter’s insurance policy. Notes: In this episode, Luis talks about the following and more: You’re not covered by your landlo...
102: Top 6 Money Moves for Your Tax Refund!
On My Way to Wealth - February 23, 2022 08:00 - 19 minutes ★★★★★ - 18 ratingsGot refund? Tune in to listen to the top 6 strategies you can use to make your tax refund work for you! Notes: In this episode, Luis talks about the following and more: A unique opportunity that expires at the end of tax season How you can use your tax refund to create a ripple effect in yo...
101: The 3 Steps to Have a Successful Money Date!
On My Way to Wealth - February 16, 2022 08:00 - 16 minutes ★★★★★ - 18 ratingsMoney conversations with you and your partner do not have to be unpleasant. Having a money date will help you both be on the same page and help get you closer to achieving your goals. Notes: In this episode, Luis talks about the following and more: What is a Money Date? Why are Money Dates ...
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