Keep Yours

Being in debt simply means that you are not working for yourself, and that a good portion of your hard earned money is going to someone else. In this podcast, we help you understand the first steps in finding financial freedom, which means learning to budget and track spending. We beg the question, how much are you willing to work so you can buy more stuff?

We often hear the word “leverage” used in financial contexts, but its full scope is often not fully understood. Today we examine it in depth and offer some real life examples of how leverage can work for or against you.

In this episode, we give you the basics on how to assess your current financial situation. It's important to know where you're starting if you want to achieve your goals, and in this episode we show you the basics. For the full version, check out our podcast here:  https://www.keepyours.org/podcasts-1/how-to-assess-your-current-financial-situation

People commonly think real estate is a great investment because property doesn’t depreciate, but this isn’t necessarily the case anymore. What if you invested your down payment into long term index funds? Is it a better long term investment to do that or rent? Here we invite you to take a hard look at all of the factors that go into your financial readiness of buying a house, and offer some other, unconventional options as well. To download the worksheet he references, go here: https://www.keepyours.org/podcasts-1/is-it-better-to-rent-or-buy-your-home To follow along on YouTube, check it out here: https://www.youtube.com/watch?v=v0Zk7A8kjbg

You can’t change the past (and that past may have debt and poor decisions attached to it), but you can decide who you want to be in this moment and moving forward. Here we talk about why it’s so important to remember that you have the power to create a prosperous financial future, but you have to choose it, and also recognize every journey begins with the first step.

All the current economic indicators are pointing towards a market “correction”, better known as a downturn, so hold on tight! In this podcast we talk about how to see these cycles coming, protect yourself from their negative effects and how to best take advantage of them.

Here we explore the bottom line and how when you get to know yourself and your partner and you will do better within this system of capitalism. Get to know yourself as you relate to money and you will have a foundation to create budgets, goals, and move towards financial independence.

Ever think about how many options you have at the grocery store, or that you actually have an option about which store you shop at? Or that you can choose whom you work for and can leave at any time? These are all advantages of a free market. In this episode we explore these pros and some cons too, as well as delve into how our government allows for distortions of free markets through monopolies and regulation. Bonus! We are now on Youtube! If you would prefer to watch Dave and follow his presentation, check us out here: https://bit.ly/2OhagDm

In this special episode we get back to the roots and talk about why we’re doing this podcast. In it, we discuss how we all are capitalists in practice, why free markets are the best option, and why monopolies suck. We also share the takeaways we’d lik

Do you have 20 credit cards open or several bank accounts that you hardly use? Have you changed jobs and now have several 401K accounts to keep track of? This video will help to organize your financial life into three easy areas so you know where your money is going each month and you can track your finances more easily. It’s like Mari Kondo-ing your finances!

In a world where it’s so easy to spend, the struggle to save is real. Today we discuss the importance of developing your willpower muscle, setting your own personal spending boundaries ahead of temptation, and the trap of lifestyle creep and what to do about it.

It can be tempting to believe someone telling you they will save you or make you money, but the sad truth is we live in a world of scams that are ever increasing in their sophistication and reach.  In this episode we take an in-depth look at credit card consolidation companies and help you to determine if they are actually working for your benefit or if they just want to take your money and run. We also talk about student loan debt solutions, and questions you should ask if thinking about getting involved in a multi-level marketing company.

In this social media dominant culture, where it's tempting to present our Instagram-worthy "best life" as the everyday, it’s hard to believe that many Americans are saddled with so much debt, which is actually making us sick. In this episode, we dive into why appearances can be deceiving, and how to find your own personal North Star when it comes to dealing with finances.

Buying a car can be a stressful process, as anyone who's done it knows. This episode is chock full of practical tips and tricks to make your car buying (and selling!) experience smooth. We examine how to determine long term value, how to discuss price vs financing, and how to find out just when cars drop in price on the dealer's lot. 

Have you ever wondered just how your credit score is calculated, and what tips and tricks might exist to quickly improve it? In this episode we break it down and give you the number one most important strategy for improving your credit, along with several others.

Is it better to earn more or spend less in order to balance your budget? Here we help you start where you are with regards to financial goal setting, and uncover what your first financial goal should be. In addition, we examine why it's not important to be the smartest person in the room, and the importance of being valuable at your job.

Creating wealth begins with an accurate assessment of your financial situation. Here, we help you understand your real net worth and how  that is the first step in getting to where you want to be financially.

Understanding yourself and how you relate to money is essential. Here we unveil different personality types as outlined by the Enneagram and examine potential strengths and pitfalls of each, as well as how they may relate to each other.

The poor financial decisions you made in the past do not have to continue into the future, but if you keep telling yourself the same story, you'll get the same results. In this episode we talk about ways to powerfully reframe your language to enable your own financial growth moving forward.

The sad truth is that 2 out of 3 adults cannot pass a financial literacy test. We think that since you’ll be dealing with financial transactions for your whole adult life, it's probably a good idea to start learning about money early on. In this podcast we explain why.