Episodios

  • 21: Normalize Wanting More Than a PTO Day and a Patio Set
    Aug 18 2025
     Welcome back to Broke is Boring, and today's topic is normalize. Wanting more than a PTO day and a patio set. Oh my gosh. This title is ridiculous, and also that used to be my freaking bucket list that is as big as I could dream, right? Is getting the next day off work the next federal holiday how to celebrate Columbus Day. For my long weekend, three day. Come on. My God. Remember you used to try to like, strategically match, like get yeah. Get your Friday or your Tuesday so you could have an extra day in there Now. I literally don't even know what day it is. I don't get, it doesn't, it's today. Okay. Okay, so I have a story. So I actually used to have like a real bucket list, like I used to like write it down and have it on my refrigerator. Did you ever like have this? Absolutely. It had like 300 things on it. Of course, I would love to find that it was on a piece of paper, piece of fun, right? So I was in Amsterdam with Mark. We have a lot of fun stories from Amsterdam in this particular tale. We are on a boat, one of those like touristy like boats through the canal. We've been to Amsterdam like 20 times and finally we're like, oh my God, we've never actually done that. Let's go do that. Okay, so we're on the boat. We're going through the canals. Fun way to see Amsterdam because it's just so like unique and being on the water and looking up at all the crazy architecture is just really fun. Okay, mark is looking out the window and we had been living in Italy. We had been checking off a bunch from that bucket list, and we were living the dink life. And he says, we have too many checks on our bucket list. We need a new bucket list. And in the moment I start giggling. And I go, oh, I'm taking a picture of this right now because I will never forget this moment for the rest of my whole entire life. And I did. And I took a picture of him looking out this window and saying, we have too many checks on our bucket list. We need a new bucket list. And we're like 29 years old. It was just this moment that was just like, oh my gosh, how did we somehow get here Where. We have this list of things to do that are just like such big dreams and we did them. And also we're not willing to just go, huh, alright. We did it. I guess. I guess that's how that story ends. No, the story keeps continuing. Add another chapter that's this occupational hazard in the travel business because you book these incredible trips for people and then you're like but I wanted to go, I wanna do that too. So now my bucket list does not have a new patio set or a how to maximize my next PTO day. I no longer have PTO days. I just have days and actually I don't even know if there's anything tangible on my list at all. You have anything tangible on a, on your bucket list? Oh, yeah, you do? Let's talk about it, baby. Okay, so my. Old bucket list was all destinations. Like I don't care about phones and cars and things like that. I just like to travel. So until now they've always been travel related items and I still have places I really wanna go. I wanna go to Antarctica and I'd love to go to Nepal. I wanna do, I'm not gonna climb to Everest Space Camp, but, but I'll do like a helicopter ride around. So there's definitely things I wanna do. But. One of those is get European citizenship. That's something big on my list right now because we just love having options and so. Our family is in this transitional phase right now where we're moving to Ireland and we bought a home there last year, which was, it's a great home. It's, it's not the shiny object home. It's a nice four bedroom, three baths, detached home in, in walkable to town, a nice little suburban neighborhood. It'll be perfect for us, but I found my dream house. Like probably four or five months ago. Okay. So we were actually on the world cruise. We were on our cruise, and I said, oh my God, bakers, look at this house. And they were like, yeah, that's a sick house. And I could not get it out of my mind, like I. You know, when you like see yourself somewhere and I'm like, I wanna be making french toast in that kitchen and I wanna have coffee and drink it right there, and I wanna do all of these things like, you see yourself in that house. But it was, it's expensive. Like it for us, you know, it's expensive as relative for us. It's, it's an expensive house. And so I, I let it as a pipe dream to just say, okay, one day I wanna live in a place like that. And it, it sat for a little while and then it went under contract and I felt, I, I, I felt like a gut punch. 'cause I was like, okay, that house isn't gonna be mine, but maybe in five years when I'm ready, that house will come back up on the market and I can buy because there's truly nothing else like this house. And then. A, a month later it went back on the market and I said, oh my God, Dan, that house again. I just, I couldn't get this place outta my head and I said to him. Like, Hey, could we actually look at this? Like, is this a huge ...
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    13 m
  • 20: Are You Empty Calendar Rich?
    Aug 11 2025
     Welcome back to Broke is Boring. And today we're gonna talk about being empty calendar, rich. So I'm at your house. I wake up early earlier than everyone, and checking out your calendar the other day on your refrigerator, and guess what? Next week is completely empty. I know, because I actually don't have anything going on. So I take this video and I say, do you want to know what true wealth looks like? And then I show your empty calendar and I say, this is true freedom. This is true wealth. There's nothing on my friend's calendar next week to which your response was, okay. So what are we doing next week? But I loved seeing this on your calendar. You could be busy and you're just not. You know what, the things that are on my calendar, they're all trips. Like the week, this week it says Bakers are here. That's what's on the calendar. No, and and you have some haters on social media saying IU Well, she uses a digital calendar. Actually, no, I don't. I actually don't. I first, I don't like the digital ones because they stress me out and I don't want all the notifications of all these things I have to do. I feel like. A digital calendar controls me and I feel like I control a paper. One. When I, when I had my office you know, I ran four teams whenever I was in Denver and I was so intentional with my calendar because if I was in my office, I was going to get drive by conversations and questions all day long. So what I did was I blocked time in my calendar hour meetings throughout the day to get my own work done. And so you, if you're looking at my calendar to schedule something, a secretary or whatever, it just looked like it. I was just so busy. Oh, dude, I was listening to oldies in my, in my office, actually being productive instead of talking to humans. I mean, I think that time is the ultimate freedom out there and finding a way to hack the system where you can live the life that you wanna live. Like it's a nice sunny day, let's go to the beach. Hey, it's gonna rain. Let's go to a movie, or let's make forts at home with our five-year-old. Like when, when you're in control of your day and your life, like there's just so much inner peace in that. Our society really does over schedule us reward that overscheduled life. You know, when you, you meet someone and you say like, oh my gosh, hey, how are you? What do they say? Oh my gosh, I'm so busy. I'm so busy. Like it's a badge of honor. Ew. The cool part about this phase of life is that emptiness in the calendar. That openness to being able to say yes when something cool comes up. So life doesn't have to be scheduled. The beautiful parts are actually usually not. And I have a, I have a a thing to tell you parents who over schedule your kids. Stop it. Stop it. Stop. Please. You are only running yourself out. I have so many friends who say, oh, we have soccer tournaments on Saturday, and each kid has is on their own league. So the parents are splitting up whose goes where, and we have dance Monday, Wednesday, and violin on Tuesday and all these ridiculous things. It's like. You are running your kids ragged and you're run, you're burning yourself out. And of course like have 'em do something fun, but don't do it just to fill your calendar. Do it because they really wanna be there and you really love watching them light up doing something that they love. There's something that the Europeans have figured out that I think the Americans haven't, and that's they just want their kids to be kids. And Americans like clinging on to, oh my God, my kid's really good at dance. I have to go put them now in every dance thing and every dance competition team and all these things to, to have my kid have that one thing that they're perfect at and like, just let them be eight. Like, just let them be five. Right? Like, our son right now is super into. Karate, like he's very into ninjas and all of those things. And so I thought karate would be an awesome choice for him to kind of channel some of that. And he is thriving and loving it, and we're allowed to sit in the back. So I always, it's like my favorite hour of the week. Well, and he'll, you know, do his jab cross and look at me and smile to make sure I watched it. You know, I will go to the ends of the earth to get him in for right. But that's because we want to, not because we feel obligated to have our kids be busy too. I hope I didn't hurt your feelings. It's just my opinion, but just take care of yourself. You are allowed to hurt feelings whenever you say stuff like that because I think sometimes people need to hear something like that, that they're not surrounded by anyone who says it's okay to live differently. It's okay to have an empty calendar. Perhaps you are allowed to say no to everything in your life. That is not a heck yes. So that's how we live life now. And so we also have a, an empty calendar. I actually looked at my calendar for this week. It says Maine. Main, main, main, main, main on every day. There's ...
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    11 m
  • 19: It's Not Expensive, You're Just Underpaid
    Aug 4 2025
     Welcome back to Broke is Boring. In today's episode, we are going to talk about it is not expensive. You are just underpaid sister. So most things aren't actually out of reach. They're just out of reach right now based on your current income. What would you say to someone who says, oh, I'd love to do that thing, whatever it is, but it's just too expensive.  I would tell you to stop shrinking your dreams to fit your current paycheck and it's time to find a new paycheck girlfriend. I think when people are dreaming, they're trying to think about things. That they, that feel possible to them. And that's not a dream. A dream is something that feels impossible. Now, once you set that goal, then you work backwards and you take the next right step to go towards that big goal. And budgeting is not the answer. It is when you're newly on your debt-free journey and you're trying to backtrack of all the things that you did to put yourself in that situation. For sure. You gotta readjust yourself. But you can only cut so much. But you can increase your earning potential very quickly with the skillset and actionable items. Mm-hmm. You can trade time for money. You can create something that's going to make money when you sleep. You can buy a rental property. There's different options that you can do to increase your income. Go drive for Uber or DoorDash for goodness sakes, but that is just gonna baby step you towards some extra income. Towards your goal. The, the first step is to just not accept the income that you have right now. It's possible to, to get more. And as you're thinking about, okay, what kind of business could I do? Think about the types of things that can scale. Just as you mentioned, you could go drive for Uber. Yes. That will get you out of maybe your minimum wage job that you really hate that you're doing right now, and it will get you more flexibility. However, you're still trading time for money in that and you can't scale that. Right. Uber does because they can just get another driver and another driver and another driver. But you as the driver can't scale that. I even found this with our rental properties, so perfect. Great. Right? We have an Airbnb. Well, if that Airbnb is sitting empty, I'm not making any money. So that is a great business opportunity. It's passive, it's, you know, residual in that way. It will continue to pay me over and over and over again. But if that house is sitting empty or we have a long-term rental and we have a month gap between when renters are leaving and coming in, I'm not making money that month. And so. I even challenge you to not settle for that. That's one stream of income for you, but don't have that your, be your entire income. Do something that is scalable, that you can continue to grow. I, and I've seen a variety of examples of this. Like for example we were looking at a, kind of like a campground. One time we were looking at a campground and I said, okay, cool. There are 200 plots that people can have. But what happens then? Like if those 200 plots are all filled, we still can't scale any further in this business. But if you just have a, you know, open area that people can just come and set up their camp. You have way more access to future income than if you're just limited to what you already have. You know, my, my husband and I have coached small business owners for years, and one of my most controversial things I've said over the years business related is. Go ahead and increase your prices. The customers that are going to support you will stick around. And the people I've said that to were floundering in their business going under because they couldn't make ends meet because their prices were so low. And they were, they were doing a lot of sales, but they didn't have the margins that were keeping up with inflation and, and with rising costs. And I said. Stand up for yourself. You have to increase your prices. If you are a if you cut hair and you need to increase prices because rent is increasing or something, it is okay for you to make a business decision because you need more income. We actually had this with a housekeeper once. She said, I can't clean for you anymore. I can't do it for that price. 'cause she had moved and commuting too far with all the gas and extra childcare. And I said, oh, well we love you. What? What would you charge to stay? I'll happily pay more. I love you. Please stay right. And she was like, oh. It didn't occur to me to raise my price on you. I felt bad. No. Like I'll pay you what you're worth to make it worth your time to come out here. Money is so funny to people sometimes. I really encourage people to stand up for themselves and what I've gotten pushback from from some of my coaching clients was, oh my gosh, then I'll lose customers. Yep. You definitely will, and you'll keep those loyal ones and gain ones who are paying you properly from this point forward. What's the alternative to continue going in debt? To continue ...
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    9 m
  • 18: What WILL you do with $100,000 per month?
    13 m
  • 17: The 3 Types of Stories to Share
    12 m
  • 16: You Don't Need to Coupon Your Way to Financial Freedom
    8 m
  • 15: Birthdays Are For Mamas Too
    7 m
  • 14: World Cruise Series Part 4/4, The Ports Who Stole Our Hearts... and the Ones Who Stole Our Time
    34 m