Bankruptcy is one of the most misunderstood parts of personal finance. In this episode, Don Fon and Ramses Coly break down the differences between Chapter 7 and Chapter 13, what happens to your debt, and common myths about student loans, credit cards, and taxes.

Follow us: Instagram @kekahandbluered | Facebook @KFiCoaching | Medium @ramsescoly | TikTok @kekahbluered Contact: ask@kekahfinancialcoaching.com

Disclaimer: The content on Kekah and BlueRed is for informational purposes only. Don Fon and Ramses Coly are not licensed financial advisors. Don is a financial coach, and nothing discussed should be taken as financial advice.

⚠️ This episode includes fact checks. For details, watch the video version on our YouTube channel.
⚠️ Artificial intelligence is often used in our episodes.

In this episode, we dive into the reality many Americans are facing—struggling to cover everyday bills, even with decent incomes. Don Fon and Ramses Coly share their own recent experiences with financial hardship, and we explore why so many families are feeling the squeeze. Join us for honest conversation, practical tips, and hope for moving forward.PODCASTS: SEARCH "KEKAH & BLUERED" or click on the links belowSpotify: https://open.spotify.com/show/2pKgSGQsAeLhU0SSd9qmb7Amazon Music: https://music.amazon.com/podcasts/779db4ba-613e-461b-9692-64e69f52f507/kekah-and-bluered-money-talks-and-so-do-weAudible: https://www.audible.com/podcast/Kekah-and-BlueRed-Money-Talks-And-So-Do-We/B0FF61BMQZ?qid=1753118830&sr=1-1&ref_pageloadid=not_applicable&pf_rd_p=83218cca-c308-412f-bfcf-90198b687a2f&pf_rd_r=8DKXD0RM4MT9YEE21XPF&plink=nsRd2NyzMRONX5M4&pageLoadId=duh9UVneq5mz4LLE&creativeId=0d6f6720-f41c-457e-a42b-8c8dceb62f2c&ref=a_search_c3_lProduct_1_1iHeartRadio: https://www.iheart.com/podcast/269-kekah-and-bluered-money-ta-282588146/TuneIn Radio: https://tunein.com/podcasts/Business--Economics-Podcasts/Kekah-and-BlueRed-Money-Talks-And-So-Do-We-p4648611/YouTube Music: https://music.youtube.com/playlist?list=PLg0ubM6_NsSvjj6qnGs2pIyMVAluyGAzgSOCIAL MEDIAInstagram: kekahandblueredFacebook: facebook.com/KFiCoachingLinkedIn: linkedin.com/in/kficoachingMedium: medium.com/@ramsescolyTiktok: @kekahblueredWEBSITESkekahfinancialcoaching.comquietwealthmedia.comCONTACT US📬 Have questions? Email us at ask@kekahfinancialcoaching.com — voice recordings welcome! Music theme license:🎵 Theme Music: "Adventures" by A Himitsu Licensed under Creative Commons Attribution 3.0 Unported (CC BY 3.0) https://creativecommons.org/licenses/by/3.0/ Music released by Argofox: https://soundcloud.com/argofox/adventures Artist: https://soundcloud.com/a-himitsu Promoted by Audio Library: https://youtu.be/MkNeIUgNPQ8🎵 "Technology Logo" by DHcz/ Pixabayhttps://pixabay.com/sound-effects/technology-logo-335242/ Artificial intelligence is often used in our episodes. Artificial intelligence content from ElevenLabs and HeyGen.Show promotion and consulting: Milon Miah, Babu Miah LEGAL DISCLAIMER:The content on Kekah and BlueRed is for entertainment and informational purposes only. Don Fon and Ramses Coly are not licensed financial advisors. Don is a financial coach, and nothing discussed should be taken as personal financial advice. ----------For YT Shorts:Description:Promotional video of Kekah & BlueRed upcoming first episode.PODCASTSSpotify: https://open.spotify.com/show/2pKgSGQsAeLhU0SSd9qmb7Other podcast platforms: Amazon Music, iHeartRadio, TuneIn Radio, YouTube Music.SOCIAL MEDIAInstagram: kekahandblueredFacebook: facebook.com/KFiCoachingLinkedIn: linkedin.com/in/kficoachingMedium: medium.com/@ramsescolyTiktok: @kekahblueredWEBSITESkekahfinancialcoaching.comquietwealthmedia.comE-MAIL US WITH QUESTIONSask@kekahfinancialcoaching.comquietwealthmedia@gmail.com

Predatory loans are everywhere—payday loans, title loans, “no credit check” offers, and even buy now, pay later schemes. In this episode, Don Fon and Ramses Coly break down how these high-interest traps work, why they target the most vulnerable, and what smarter alternatives exist. Don’t let debt steal your future—learn how to protect your money and build lasting wealth.PODCASTS: SEARCH "KEKAH & BLUERED" or click on the links belowSpotify: https://open.spotify.com/show/2pKgSGQsAeLhU0SSd9qmb7Amazon Music: https://music.amazon.com/podcasts/779db4ba-613e-461b-9692-64e69f52f507/kekah-and-bluered-money-talks-and-so-do-weAudible: https://www.audible.com/podcast/Kekah-and-BlueRed-Money-Talks-And-So-Do-We/B0FF61BMQZ?qid=1753118830&sr=1-1&ref_pageloadid=not_applicable&pf_rd_p=83218cca-c308-412f-bfcf-90198b687a2f&pf_rd_r=8DKXD0RM4MT9YEE21XPF&plink=nsRd2NyzMRONX5M4&pageLoadId=duh9UVneq5mz4LLE&creativeId=0d6f6720-f41c-457e-a42b-8c8dceb62f2c&ref=a_search_c3_lProduct_1_1iHeartRadio: https://www.iheart.com/podcast/269-kekah-and-bluered-money-ta-282588146/TuneIn Radio: https://tunein.com/podcasts/Business--Economics-Podcasts/Kekah-and-BlueRed-Money-Talks-And-So-Do-We-p4648611/YouTube Music: https://music.youtube.com/playlist?list=PLg0ubM6_NsSvjj6qnGs2pIyMVAluyGAzgSOCIAL MEDIAInstagram: kekahandblueredFacebook: facebook.com/KFiCoachingLinkedIn: linkedin.com/in/kficoachingMedium: medium.com/@ramsescolyTiktok: @kekahblueredWEBSITESkekahfinancialcoaching.comquietwealthmedia.comCONTACT US📬 Have questions? Email us at ask@kekahfinancialcoaching.com — voice recordings welcome! Music theme license:🎵 Theme Music: "Adventures" by A Himitsu Licensed under Creative Commons Attribution 3.0 Unported (CC BY 3.0) https://creativecommons.org/licenses/by/3.0/ Music released by Argofox: https://soundcloud.com/argofox/adventures Artist: https://soundcloud.com/a-himitsu Promoted by Audio Library: https://youtu.be/MkNeIUgNPQ8🎵 "Technology Logo" by DHcz/ Pixabayhttps://pixabay.com/sound-effects/technology-logo-335242/ Artificial intelligence is often used in our episodes. Artificial intelligence content from ElevenLabs and HeyGen. LEGAL DISCLAIMER:The content on Kekah and BlueRed is for entertainment and informational purposes only. Don Fon and Ramses Coly are not licensed financial advisors. Don is a financial coach, and nothing discussed should be taken as personal financial advice.

In this episode, we compare term life insurance with permanent life insurance. We break down how each works, the costs involved, the pros and cons, and which option may be better. If you’re deciding between temporary coverage and lifetime protection, this discussion will give you the clarity you need.PODCASTS: SEARCH "KEKAH & BLUERED" or click on the links belowSpotify: https://open.spotify.com/show/2pKgSGQsAeLhU0SSd9qmb7Amazon Music: https://music.amazon.com/podcasts/779db4ba-613e-461b-9692-64e69f52f507/kekah-and-bluered-money-talks-and-so-do-weAudible: https://www.audible.com/podcast/Kekah-and-BlueRed-Money-Talks-And-So-Do-We/B0FF61BMQZ?qid=1753118830&sr=1-1&ref_pageloadid=not_applicable&pf_rd_p=83218cca-c308-412f-bfcf-90198b687a2f&pf_rd_r=8DKXD0RM4MT9YEE21XPF&plink=nsRd2NyzMRONX5M4&pageLoadId=duh9UVneq5mz4LLE&creativeId=0d6f6720-f41c-457e-a42b-8c8dceb62f2c&ref=a_search_c3_lProduct_1_1iHeartRadio: https://www.iheart.com/podcast/269-kekah-and-bluered-money-ta-282588146/TuneIn Radio: https://tunein.com/podcasts/Business--Economics-Podcasts/Kekah-and-BlueRed-Money-Talks-And-So-Do-We-p4648611/YouTube Music: https://music.youtube.com/playlist?list=PLg0ubM6_NsSvjj6qnGs2pIyMVAluyGAzgSOCIAL MEDIAInstagram: kekahandblueredFacebook: facebook.com/KFiCoachingLinkedIn: linkedin.com/in/kficoachingMedium: medium.com/@ramsescolyTiktok: @kekahblueredWEBSITESkekahfinancialcoaching.comquietwealthmedia.comCONTACT US📬 Have questions? Email us at ask@kekahfinancialcoaching.com — voice recordings welcome! Music theme license:🎵 Theme Music: "Adventures" by A Himitsu Licensed under Creative Commons Attribution 3.0 Unported (CC BY 3.0) https://creativecommons.org/licenses/by/3.0/ Music released by Argofox: https://soundcloud.com/argofox/adventures Artist: https://soundcloud.com/a-himitsu Promoted by Audio Library: https://youtu.be/MkNeIUgNPQ8🎵 "Technology Logo" by DHcz/ Pixabayhttps://pixabay.com/sound-effects/technology-logo-335242/ Artificial intelligence is often used in our episodes. Artificial intelligence content from ElevenLabs and HeyGen.Show promotion and consulting: Milon Miah, Babu MiahLEGAL DISCLAIMER:The content on Kekah & BlueRed is for entertainment and informational purposes only. Don Fon and Ramses Coly are not licensed financial advisors. Don is a financial coach, and nothing discussed should be taken as personal financial advice.

Check out the latest episode of our podcast where we dive into the wild world of celebrity finances! Join hosts Don Fon and Ramses Coly as they discuss athletes and entertainers who had it all—only to lose it due to overspending and recklessness. We're talking about Mike Tyson's extravagant lifestyle, T-Pain's financial struggles, and countless stories of once-famous NFL and soccer players who blew through their fortunes. From expensive cars to lavish homes and everything in between, we break down the shocking stories of how millions of dollars disappeared in the blink of an eye.PODCASTS: SEARCH "KEKAH & BLUERED" or click on the links belowSpotify: https://open.spotify.com/show/2pKgSGQsAeLhU0SSd9qmb7Amazon Music: https://music.amazon.com/podcasts/779db4ba-613e-461b-9692-64e69f52f507/kekah-and-bluered-money-talks-and-so-do-weAudible: https://www.audible.com/podcast/Kekah-and-BlueRed-Money-Talks-And-So-Do-We/B0FF61BMQZ?qid=1753118830&sr=1-1&ref_pageloadid=not_applicable&pf_rd_p=83218cca-c308-412f-bfcf-90198b687a2f&pf_rd_r=8DKXD0RM4MT9YEE21XPF&plink=nsRd2NyzMRONX5M4&pageLoadId=duh9UVneq5mz4LLE&creativeId=0d6f6720-f41c-457e-a42b-8c8dceb62f2c&ref=a_search_c3_lProduct_1_1iHeartRadio: https://www.iheart.com/podcast/269-kekah-and-bluered-money-ta-282588146/TuneIn Radio: https://tunein.com/podcasts/Business--Economics-Podcasts/Kekah-and-BlueRed-Money-Talks-And-So-Do-We-p4648611/YouTube Music: https://music.youtube.com/playlist?list=PLg0ubM6_NsSvjj6qnGs2pIyMVAluyGAzgSOCIAL MEDIAInstagram: kekahandblueredFacebook: facebook.com/KFiCoachingLinkedIn: linkedin.com/in/kficoachingMedium: medium.com/@ramsescolyTiktok: @kekahblueredWEBSITESkekahfinancialcoaching.comquietwealthmedia.comCONTACT US📬 Have questions? Email us at ask@kekahfinancialcoaching.com — voice recordings welcome! Music theme license:🎵 Theme Music: "Adventures" by A Himitsu Licensed under Creative Commons Attribution 3.0 Unported (CC BY 3.0) https://creativecommons.org/licenses/by/3.0/ Music released by Argofox: https://soundcloud.com/argofox/adventures Artist: https://soundcloud.com/a-himitsu Promoted by Audio Library: https://youtu.be/MkNeIUgNPQ8🎵 "Technology Logo" by DHcz/ Pixabayhttps://pixabay.com/sound-effects/technology-logo-335242/ Artificial intelligence is often used in our episodes. Artificial intelligence content from ElevenLabs and HeyGen.Show promotion and consulting: Sourav Basu, Ranjit HarzaLEGAL DISCLAIMER:The content on Kekah & BlueRed is for entertainment and informational purposes only. Don Fon and Ramses Coly are not licensed financial advisors. Don is a financial coach, and nothing discussed should be taken as personal financial advice.

In Part II of Episode 11, Don Fon and Ramses Coly dive deeper into the world of investing. From defining stocks, indexes, equities, and bonds to discussing the role of emergency funds, this episode breaks down the essentials in a simple, approachable way. Building on Part I’s look at the stock market and the NYSE, this conversation is all about helping you understand how investing really works.PODCASTS: SEARCH "KEKAH & BLUERED" or click on the links belowSpotify: https://open.spotify.com/show/2pKgSGQsAeLhU0SSd9qmb7Amazon Music: https://music.amazon.com/podcasts/779db4ba-613e-461b-9692-64e69f52f507/kekah-and-bluered-money-talks-and-so-do-weAudible: https://www.audible.com/podcast/Kekah-and-BlueRed-Money-Talks-And-So-Do-We/B0FF61BMQZ?qid=1753118830&sr=1-1&ref_pageloadid=not_applicable&pf_rd_p=83218cca-c308-412f-bfcf-90198b687a2f&pf_rd_r=8DKXD0RM4MT9YEE21XPF&plink=nsRd2NyzMRONX5M4&pageLoadId=duh9UVneq5mz4LLE&creativeId=0d6f6720-f41c-457e-a42b-8c8dceb62f2c&ref=a_search_c3_lProduct_1_1iHeartRadio: https://www.iheart.com/podcast/269-kekah-and-bluered-money-ta-282588146/TuneIn Radio: https://tunein.com/podcasts/Business--Economics-Podcasts/Kekah-and-BlueRed-Money-Talks-And-So-Do-We-p4648611/YouTube Music: https://music.youtube.com/playlist?list=PLg0ubM6_NsSvjj6qnGs2pIyMVAluyGAzgSOCIAL MEDIAInstagram: kekahandblueredFacebook: facebook.com/KFiCoachingLinkedIn: linkedin.com/in/kficoachingMedium: medium.com/@ramsescolyTiktok: @kekahblueredWEBSITESkekahfinancialcoaching.comquietwealthmedia.comCONTACT US📬 Have questions? Email us at ask@kekahfinancialcoaching.com — voice recordings welcome! Music theme license:🎵 Theme Music: "Adventures" by A Himitsu Licensed under Creative Commons Attribution 3.0 Unported (CC BY 3.0) https://creativecommons.org/licenses/by/3.0/ Music released by Argofox: https://soundcloud.com/argofox/adventures Artist: https://soundcloud.com/a-himitsu Promoted by Audio Library: https://youtu.be/MkNeIUgNPQ8🎵 "Technology Logo" by DHcz/ Pixabayhttps://pixabay.com/sound-effects/technology-logo-335242/ Artificial intelligence is often used in our episodes. Artificial intelligence content from ElevenLabs and HeyGen.Show promotion and consulting: Sourav Basu, Ranjit HarzaLEGAL DISCLAIMER:The content on Kekah & BlueRed is for entertainment and informational purposes only. Don Fon and Ramses Coly are not licensed financial advisors. Don is a financial coach, and nothing discussed should be taken as personal financial advice.

In this first part of the episode, Don Fon and Ramses Coly talks about the stock market and a brief history of the New York Stock Exchange. Don shares a funny story about what he initially thought the stock market meant. A part II episode, focused more on investing using brokerage accounts, will follow.PODCASTS: SEARCH "KEKAH & BLUERED" or click on the links belowSpotify: https://open.spotify.com/show/2pKgSGQsAeLhU0SSd9qmb7Amazon Music: https://music.amazon.com/podcasts/779db4ba-613e-461b-9692-64e69f52f507/kekah-and-bluered-money-talks-and-so-do-weAudible: https://www.audible.com/podcast/Kekah-and-BlueRed-Money-Talks-And-So-Do-We/B0FF61BMQZ?qid=1753118830&sr=1-1&ref_pageloadid=not_applicable&pf_rd_p=83218cca-c308-412f-bfcf-90198b687a2f&pf_rd_r=8DKXD0RM4MT9YEE21XPF&plink=nsRd2NyzMRONX5M4&pageLoadId=duh9UVneq5mz4LLE&creativeId=0d6f6720-f41c-457e-a42b-8c8dceb62f2c&ref=a_search_c3_lProduct_1_1iHeartRadio: https://www.iheart.com/podcast/269-kekah-and-bluered-money-ta-282588146/TuneIn Radio: https://tunein.com/podcasts/Business--Economics-Podcasts/Kekah-and-BlueRed-Money-Talks-And-So-Do-We-p4648611/YouTube Music: https://music.youtube.com/playlist?list=PLg0ubM6_NsSvjj6qnGs2pIyMVAluyGAzgSOCIAL MEDIAInstagram: kekahandblueredFacebook: facebook.com/KFiCoachingLinkedIn: linkedin.com/in/kficoachingMedium: medium.com/@ramsescolyWEBSITESkekahfinancialcoaching.comquietwealthmedia.comCONTACT US📬 Have questions? Email us at ask@kekahfinancialcoaching.com — voice recordings welcome! Music theme license:🎵 Theme Music: "Adventures" by A Himitsu Licensed under Creative Commons Attribution 3.0 Unported (CC BY 3.0) https://creativecommons.org/licenses/by/3.0/ Music released by Argofox: https://soundcloud.com/argofox/adventures Artist: https://soundcloud.com/a-himitsu Promoted by Audio Library: https://youtu.be/MkNeIUgNPQ8🎵 "Technology Logo" by DHcz/ Pixabayhttps://pixabay.com/sound-effects/technology-logo-335242/

In this follow-up episode, Ramses Coly returns from his Miami work trip with the receipts. What started as a $400 personal budget turned into a $1,097.31 reality check. From pricey hotel Starbucks runs to the ‘cheap’ boat tour that wasn’t so cheap, Ramses breaks down exactly where the money went and what he learned. Join Coly and Don Fon as they turn overspending into a teachable moment.PODCASTS: SEARCH "KEKAH & BLUERED" or click on the links belowSpotify: https://open.spotify.com/show/2pKgSGQ...Amazon Music: https://music.amazon.com/podcasts/779...Audible: https://www.audible.com/podcast/Kekah...iHeartRadio: https://www.iheart.com/podcast/269-ke...TuneIn Radio: https://tunein.com/podcasts/Business-...YouTube Music: • Kekah & BlueRed: Money Talks And So Do We SOCIAL MEDIAInstagram: kekahandblueredFacebook: facebook.com/KFiCoachingLinkedIn: linkedin.com/in/kficoachingMedium: medium.com/@ramsescolyWEBSITESkekahfinancialcoaching.comquietwealthmedia.comCONTACT US📬 Have questions? Email us at ask@kekahfinancialcoaching.com — voice recordings welcome! Music theme license:🎵 Theme Music: "Adventures" by A Himitsu Licensed under Creative Commons Attribution 3.0 Unported (CC BY 3.0) https://creativecommons.org/licenses/... Music released by Argofox: / adventures Artist: / a-himitsu Promoted by Audio Library: • Adventures – A Himitsu (No Copyright Music) 🎵 "Technology Logo" by DHcz/ Pixabayhttps://pixabay.com/sound-effects/tec...This episode includes artificial intelligence content.