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🤑David Baughier chats with Brett Killian, an associate professor at Lakeland University, to discuss essential money lessons for Gen Z. 💸📚

Brett shares his expertise in personal finance, drawing from over a decade of experience teaching college students. 🎓

Discover practical strategies for minimizing student debt, building wealth, and making informed financial decisions that set you up for a successful future. 💡💼

🔑 Key Topics Discussed:

⇨ Brett Killian's top money lessons for Gen Z

⇨ Habits and investing strategies of millionaires

⇨ Practical ways to minimize student debt, including college hacking and gap years

⇨ Importance of "Pay Yourself First" strategy and automation in saving

⇨ Efficiency in managing the "Big Three" expenses: housing, transportation, and food

⇨ Clarifying the differences between saving and investing

⇨ Understanding and building credit scores responsibly

⇨ Basics of insurance and the importance of term life insurance over whole life insurance

🕒 Timestamps/Chapters:

0:00 - 📘 Introduction to Money Lessons for Gen Z

5:03 - 💼 Millionaire Habits

10:12 - 🎓 College Debt Hacks

20:45 - 💸 Pay Yourself First

25:52 - 🏠🚗🍴 Budgeting: The Big 3

34:09 - 💰 Savings vs. Investing

38:35 - 📈 Simple Investing Tips

44:45 - 📊 Credit Scores Explained

56:26 - 🛡️ Insurance Basics

59:55 - 🏡 Homebuying Tips

1:01:17 - 📖 Personal Stories and Financial Decisions

1:14:09 - 🎓 Impact of Financial Education on Young People

1:14:21 - 📋 Summary of Financial Topics Covered

🔗 Brett's Links:

📚 NextGen Financial Freedom Blog: https://nextgenfinancialfreedom.com

🔗 David's Links:

💰 Free Money Course: https://www.fiology.com/free-money-course/

🍏 Forget About Money on Apple Podcast: https://podcasts.apple.com/us/podcast/forget-about-money/id1730601757

🎧 Forget About Money on Spotify: https://open.spotify.com/show/5BQTKUPL6IHtXCEJTY9jYo

📝 Episode Highlights:

💡 Brett's essential money lessons tailored for Gen Z

📈 Insights into the habits and investing strategies of millionaires

💸 Practical tips on minimizing student debt through college hacking and gap years

🏡 Strategies for managing the "Big Three" expenses: housing, transportation, and food

💰 Understanding the "Pay Yourself First" strategy and the importance of automation in saving

🔍 Clarification of the differences between saving and investing

📊 Building and maintaining credit scores responsibly

📜 Basics of insurance and the importance of choosing term life insurance over whole life insurance

#️⃣ Hashtags:

#GenZMoney #BrettKillian #MoneyLessons #FinancialLiteracy #StudentDebt #InvestingTips #PersonalFinance #CollegeHacking #PayYourselfFirst #FrugalLiving #CreditScores #InsuranceBasics #TermLifeInsurance #FinancialEducation #SmartInvesting

Watch Episode on YouTube and Subscribe: https://youtu.be/eX296kAhFuk

⚠️ David Baughier sits down with Danielle Ryan, a YouTuber dedicated to exposing online coaching scams. 🕵️‍♀️

Danielle shares her journey from a modest YouTube channel to a thriving platform with 25,000 subscribers.

Discover her personal experience of being scammed and learn valuable tips on how to protect yourself from online scams.

🔑 Key Topics Discussed:

⇨ Danielle’s rise on YouTube and her mission against online scams

⇨ Her personal story of being scammed out of $4,500 by a coach

⇨ Identifying red flags in online coaching and courses

⇨ Practical advice on choosing trustworthy coaches and courses

⇨ The impact of generational perspectives on online work

🕒 Timestamps/Chapters:

0:00 - 🚀 Introduction to Danielle Ryan's Journey

2:20 - 👩‍💼 Life Before Starting YouTube Channel

6:55 - 😱 Danielle's Experience Being Scammed

8:18 - 📉 Coaching Experience Turned Unsuccessful

10:35 - ⚖️ Lack of Recourse in Coaching Scams

12:01 - 📈 Rise of Online Coaching Scams

15:33 - 🚩 Signs of Online Coaching Scams

17:16 - 😳 Extreme Experiences in Coaching Scams

21:25 - 🎓 Crafting a Genuine Coaching Course

24:05 - 🔍 Choosing a Trustworthy Coach

28:21 - 🌐 Researching Coaches Outside of Social Media

33:38 - 🎥 Starting a YouTube Channel Tips

36:49 - 🔮 Future Direction of Danielle's Content

37:52 - 💼 Danielle's Current Business Ventures

38:49 - 👵 Generational Perspective on Online Work

39:25 - 👋 Wrapping Up the Interview

🔗 Danielle’s Links:

🎥 Discovery Video: How Much Money YouTube Paid Me with 1500 Subscribers: https://youtu.be/HdlyA97mzeI?si=BhbI0qEU02B8dju0

📸 Danielle’s Instagram: https://www.instagram.com/itsdanielleryan

🎵 Danielle’s TikTok: https://www.tiktok.com/@itsdanielleryan

💸 Lost Entire $100k 401(k): https://youtu.be/85re8qWgBdY

💬 Former Coach Exposes the Truth: https://youtu.be/0IeFOKWJCBU

📉 Debt Coaching Scam: https://youtu.be/OIbKXP7IPGI

🔗 David's Links:

💰 Free Money Course: https://www.fiology.com/free-money-course/

🍏 Forget About Money on Apple Podcast: https://podcasts.apple.com/us/podcast/forget-about-money/id1730601757

🎧 Forget About Money on Spotify: https://open.spotify.com/show/5BQTKUPL6IHtXCEJTY9jYo

📝 Episode Highlights:

🎥 Danielle's rise from 1,500 to 25,000 YouTube subscribers

🚨 Warning signs of online coaching scams

💡 Tips on selecting genuine online courses and coaches

🤔 Insight into the lack of recourse for scam victims

💬 Discussion on the role of intention and measurable outcomes in coaching

#️⃣ Hashtags:

#AntiScammer #DanielleRyan #OnlineScams #CoachingScams #YouTubeGrowth #OnlineCourseScams #ProtectYourself #OnlineSafety #YouTubeSuccess #ContentCreator #DigitalScams #InternetSafety #ScamAwareness #BusinessAdvice #OnlineCoaching

Watch this Episode on YouTube and Subscribe: https://youtu.be/RQN2Me7svoA

🎧 In this episode of "Forget About Money," host David Baughier interviews John Letaw, a retired naval officer and TRICARE expert.🌟

John, The TRICARE Guy, shares his extensive knowledge about the TRICARE healthcare system, providing invaluable insights for military retirees and their families.

John discusses: ⇣⇣⇣⇣⇣

➪ Various TRICARE plans (Prime, Select, Reserve, and Retired Reserve) 🏥

➪ The challenges of transitioning to retirement 🌅

➪ Enrollment processes and pitfalls 🔍

➪ Changes in TRICARE Select fees 💸

➪ Coverage criteria for different treatments, including weight loss drugs and medical emergencies 🩺

➪ Dental and vision care through FedVIP 🦷👓

➪ Navigating TRICARE while living abroad ✈️

➪ Emerging trends and resources for staying informed 🌐

➪ Don't miss John's personal anecdotes and practical advice to make the most of your TRICARE benefits. 📚✨

🔗 Links:

David's Links:

🌐 Fiology: https://www.fiology.com/free-fiology-workbook/

John's Links:

📖 Get John's book "Tricare Around the World" on Amazon: https://a.co/d/eJfcxMx

💬 Join the TRICARE Facebook group: https://www.facebook.com/groups/tricareatw/

🌐 The TRICARE Guy Website and Mailing List: https://thetricareguy.com/

🎥 John's YouTube Channel: http://www.youtube.com/@thetricareguy

Additional TRICARE Resources mention can be found in our YouTube description

🕒 Timestamps/Chapters:

0:00 📢 Introduction to TRICARE and John Letaw

3:30 📋 TRICARE Plans Overview

9:44 🛡️ TRICARE Reserve and Retired Reserve Plans

16:05 🚀 Challenges of Transitioning to Retirement

19:30 🔄 Enrollment Process and Pitfalls

22:20 💰 Changes in TRICARE Select Fees

25:42 🏥 Coverage Criteria and Examples

27:50 💊 Weight Loss Drug Coverage Process

28:56 🚑 Medical Emergency Coverage Example

30:49 🧾 Medical Coding and Coverage

34:53 👓 FedVIP Vision and Dental Care

37:43 🚫 Exclusions: LASIK and Discount Programs

42:15 🌍 Retirement Abroad and TRICARE

44:21 🛠️ Challenges and Solutions

47:41 🌐 Providing TRICARE Support Globally

50:57 ✍️ Writing a TRICARE Guide During COVID

53:53 📚 Resources at thetricareguy.com

56:39 📈 Emerging Trends in TRICARE

🏷️ Hashtags:

#TRICARE #Healthcare #MilitaryRetirement #JohnLetaw #DavidBaughier #ForgetAboutMoney #TRICAREPlans #Veterans #MilitaryBenefits #TRICARESupport #TRICAREGuide #HealthInsurance