Episódios
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Hey there, Money Baggage listeners! WE DID IT! Season 1 is OVER! Here are our favorite moments and all of the money knowledge we learned! DM @jo_franco on Instagram with
The Money Baggage podcast creates a community around something that affects us all: money. Through personal stories, research-based facts, and third-party points of view, our goal is to ease the immense pressure of having conversations about money.
This podcast is sponsored by Hightower Advisors and produced by Jo Franco. Get more free financial info here.
The hosts are Jo Franco, content creator and founder of JoClub, and Xavier Jarvis, Communications Specialist at Hightower Advisors.
Submit your money baggage questions on Jo's DMs, Instagram and subscribe on YouTube.
Watch Jo's Money Mini-series here: https://youtu.be/PBM0iWW4nec
Hosted on Acast. See acast.com/privacy for more information.
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Hey there, Money Baggage listeners! I'm excited to share the latest episode of our podcast, where I had the pleasure of interviewing Gurinder Ahluwalia, lead-director of the Hightower board of directors and Vice-chair of the InspereX board of directors. We discussed how our cultural backgrounds can be a superpower in our careers. Gurinder shared their unique journey, including the story of being singled out for wearing a turban as a child, ultimately shaping who they are today.
Throughout their successful career, Gurinder attributes curiosity, hard work, and a willingness to learn as key factors in their journey. We delved into the importance of investing in oneself and why partnerships can be crucial for personal and professional growth.
We explored advice on pursuing one's passions, being honest about priorities, and how priorities may change with time. At the end of the episode, we encourage listeners to provide their feedback through email or Instagram DMs.
Timestamps:
[00:00:00] Podcast, host Jo Franco, introduces special guest: Gurinder.
[00:05:13] Small business growth brings more resources.
[00:06:52] Differences can be your superpower.
[00:11:47] Non-linear career path, quitting PhD.
[00:13:10] Career journey from manufacturing to entrepreneurship.
[00:17:11] Engineer chose finance for higher income.
[00:20:43] Union leader generated growth by retraining workers.
[00:23:34] Mentoring is fulfilling and valuable.
[00:30:18] Investing in yourself: honesty, growth, choices.
[00:37:31] Challenge and expand, calibrate, and don't quit.
[00:40:53] Challenges are blessings in disguise.
[00:42:33] Business success, self-criticism, guilt-free Vegas trip.
[00:46:16] Opportunity costs in pursuing your passion.
The Money Baggage podcast creates a community around something that affects us all: money. Through personal stories, research-based facts, and third-party points of view, our goal is to ease the immense pressure of having conversations about money.
This podcast is sponsored by Hightower Advisors and produced by Jo Franco. Get more free financial info here.
The hosts are Jo Franco, content creator and founder of JoClub, and Xavier Jarvis, Communications Specialist at Hightower Advisors.
Submit your money baggage questions on Jo's DMs, Instagram and subscribe on YouTube.
Watch Jo's Money Mini-series here: https://youtu.be/PBM0iWW4nec
Hosted on Acast. See acast.com/privacy for more information.
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On this episode of Jo Franco, the hosts Xavier Jarvis and Jo Franco discuss the psychological aspects of money management, focusing on the concept of retail therapy. They delve into the negative and positive effects of compulsive buying disorder and the benefits of making choices when shopping to restore a feeling of control over one's life. They provide tips for tracking spending habits with a journaling exercise called "Money Mood Check" and emphasize the importance of self-discipline, self-control, and self-awareness to recognize harmful behavior. Let's unpack this money baggage!
Timestamps
[00:02:43] Regretful shopping for fashion and shoes.
[00:03:05] Money guilt until job required shopping.
[00:06:46] Expensive subscriptions add up, guilty of over-buying.
[00:10:39] Retail therapy can benefit mental health positively.
[00:12:27] Stressful day, shopped in sales section.
[00:15:31] Reviving stores by adding services and more.
[00:20:42] "Cons of retail therapy: money problems"
[00:22:59] Obesity and shopping addiction in Americans.
[00:27:09] "System lures us in, self-awareness key."
[00:29:14] Journaling exercise to track spending habits.
[00:33:49] Substitute bad habits with good habits.
[00:36:59] Educational podcast, not client advice or endorsement.
The Money Baggage podcast creates a community around something that affects us all: money. Through the use of personal stories, research-based facts, and third-party points of view, it is our goal to ease the immense pressure of having conversations about money.
This podcast is sponsored by Hightower Advisors and produced by Jo Franco. Get more free financial info here.
The hosts are Jo Franco, content creator and founder of JoClub, and Xavier Jarvis, Communications Specialist at Hightower Advisors.
Submit your money baggage questions on Jo's DMs, Instagram and subscribe on YouTube.
Watch Jo's Money Mini-series here: https://youtu.be/PBM0iWW4nec
Hosted on Acast. See acast.com/privacy for more information.
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Is it ever too early to teach kids about money? We find out how we're setting up our youth how to keep their mind on their money and their money on their mind.
Welcome to Money Baggage, a financial literacy podcast to help us all unpack our money baggage! This time we're breaking down all things compound interest! We're your hosts, Jo Franco and Xavier Jarvis. Knowledge is wealth, so let's grow these money mindsets!
The Money Baggage podcast creates a community around something that affects us all: money. Through the use of personal stories, research-based facts, and third-party points of view, it is our goal to ease the immense pressure of having conversations about money.
This podcast is sponsored by Hightower Advisors and produced by Jo Franco. Get more free financial info here.
The hosts are Jo Franco, content creator and founder of JoClub, and Xavier Jarvis, Communications Specialist at Hightower Advisors.
Submit your money baggage questions on Jo's DMs, Instagram and subscribe on YouTube.
Watch Jo's Money Mini-series here: https://youtu.be/PBM0iWW4nec
Hosted on Acast. See acast.com/privacy for more information.
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Welcome to Money Baggage, a financial literacy podcast to help us all unpack our money baggage! This time we're breaking down all things compound interest! We're your hosts, Jo Franco and Xavier Jarvis. Knowledge is wealth, so let's grow these money mindsets!
The Money Baggage podcast creates a community around something that affects us all: money. Through the use of personal stories, research-based facts, and third-party points of view, it is our goal to ease the immense pressure of having conversations about money.
This podcast is sponsored by Hightower Advisors and produced by Jo Franco. Get more free financial info here.
The hosts are Jo Franco, content creator and founder of JoClub, and Xavier Jarvis, Communications Specialist at Hightower Advisors.
Submit your money baggage questions on Jo's DMs, Instagram and subscribe on YouTube.
Watch Jo's Money Mini-series here: https://youtu.be/PBM0iWW4nec
Hosted on Acast. See acast.com/privacy for more information.
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Welcome to the show that will help us all unpack our Money Baggage! In today's episode, we're getting into the nitty gritty about budgeting, whether it's worth it, or not, and how to budget like a boss. We're your hosts, Jo Franco and Xavier Jarvis. Knowledge is wealth, so let's grow these money mindsets!
The Money Baggage podcast creates a community around something that affects us all: money. Through the use of personal stories, research-based facts, and third-party points of view, it is our goal to ease the immense pressure of having conversations about money.
This podcast is sponsored by Hightower Advisors and produced by Jo Franco. Get more free financial info here.
The hosts are Jo Franco, content creator and founder of JoClub, and Xavier Jarvis, Communications Specialist at Hightower Advisors.
Submit your money baggage questions on Jo's DMs, Instagram and subscribe on YouTube.
Watch Jo's Money Mini-series here: https://youtu.be/PBM0iWW4nec
Citations:
1https://www.cnbc.com/2022/04/29/its-ok-to-not-follow-a-budget-says-a-financial-therapist.html#:~:text=While%20a%20budget%20can%20help,OppLoans%2C%20a%20loan%20servicing%20company.
2https://www.creditdonkey.com/budgeting-statistics.html#:~:text=Only%2032%25%20of%20U.S.%20households,education%20or%20less%20do%20it.
3https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system
4https://www.thinkmoney.co.uk/blog/8-reasons-it-can-be-hard-to-stick-to-a-budget/#:~:text=We%20can%20all%20find%20it,having%20trouble%20sticking%20to%20yours.
Hosted on Acast. See acast.com/privacy for more information.
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Welcome to the show that will help us all unpack our Money Baggage! In today's episode, we expose how expensive it is to have kids, and take care of your parents, buckle up, it's getting real. We're your hosts, Jo Franco and Xavier Jarvis. Knowledge is wealth, so let's grow these money mindsets!
The Money Baggage podcast creates a community around something that affects us all: money. Through the use of personal stories, research-based facts, and third-party points of view, it is our goal to ease the immense pressure of having conversations about money.
This podcast is sponsored by Hightower Advisors and produced by Jo Franco. Get more free financial info here.
The hosts are Jo Franco, content creator and founder of JoClub, and Xavier Jarvis, Communications Specialist at Hightower Advisors.
Submit your money baggage questions on Jo's DMs, Instagram and subscribe on YouTube.
Watch Jo's Money Mini-series here: https://youtu.be/PBM0iWW4nec
Citations: 1https://www.investopedia.com/articles/personal-finance/090415/cost-raising-child-america.asp
2https://kidcityusa.com/early-childhood-education/the-average-cost-of-daycare-a-complete-guide/#:~:text=However%2C%20one%20thing%20that%20you,%2410%2C000%20per%20year%20on%20average.
3https://worldpopulationreview.com/state-rankings/child-care-costs-by-state
4https://www.usatoday.com/story/money/2020/08/17/what-it-costs-to-retire-comfortably-in-every-state/42209705/
5https://www.seniorhomes.com/ccrc-costs/
6https://www.seniorliving.org/assisted-living/costs/
7https://www.forbes.com/sites/juliejason/2021/11/14/still-working-after-age-65-and--thinking-of-moving/?sh=4ac712c65402
Hosted on Acast. See acast.com/privacy for more information.
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Welcome to the show that will help us all unpack our Money Baggage! In today's episode, let's dive into the daunting reality of student loan debt. We're your hosts, Jo Franco and Xavier Jarvis. Knowledge is wealth, so let's grow these money mindsets!
The Money Baggage podcast creates a community around something that affects us all: money. Through the use of personal stories, research-based facts, and third-party points of view, it is our goal to ease the immense pressure of having conversations about money.
This podcast is sponsored by Hightower Advisors and produced by Jo Franco. Get more free financial info here.
The hosts are Jo Franco, content creator and founder of JoClub, and Xavier Jarvis, Communications Specialist at Hightower Advisors.
Submit your money baggage questions on Jo's DMs, Instagram and subscribe on YouTube.
Watch Jo's Money Mini-series here: https://youtu.be/PBM0iWW4nec
Citations:
1:https://www.bestcolleges.com/research/how-many-people-have-student-loans/#:~:text=Data%20Summary,student%20loan%20debt%20in%202021.&text=In%202022%2C%209.9%20million%20borrowers,40%2C000%20of%20student%20loan%20debt.
2: https://www.npr.org/2022/08/25/1119283676/student-loan-forgiveness-debt-biden
3: https://studentaid.gov/understand-aid/types/grants/pell
4https://www.bestcolleges.com/blog/companies-student-loans/#:~:text=According%20to%20the%20Employee%20Benefit,up%20from%2016%25%20in%202020.
5https://www.nerdwallet.com/article/loans/student-loans/pay-student-loans-graduate-school#:~:text=Dive%20deeper%20into%20attending%20grad%20school&text=You%20can%20defer%20payments%20on,increasing%20the%20amount%20you%20owe.
6https://www.salliemae.com/blog/unsubsidized-vs-subsidized-loans/#:~:text=What%20is%20an%20unsubsidized%20loan,responsible%20for%20the%20whole%20amount.
Hosted on Acast. See acast.com/privacy for more information.
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Welcome to the show that will help us all unpack our Money Baggage! In today's episode, let's dive into the world of credit cards. We're your hosts, Jo Franco and Xavier Jarvis. Knowledge is wealth, so let's grow these money mindsets!
The Money Baggage podcast creates a community around something that affects us all: money. Through the use of personal stories, research-based facts, and third-party points of view, it is our goal to ease the immense pressure of having conversations about money.
This podcast is sponsored by Hightower Advisors and produced by Jo Franco. Get more free financial info here.
The hosts are Jo Franco, content creator and founder of JoClub, and Xavier Jarvis, Communications Specialist at Hightower Advisors.
Submit your money baggage questions on Jo's DMs, Instagram and subscribe on YouTube.
Watch Jo's Money Docuseries here: https://youtu.be/PBM0iWW4nec
Citations:
1https://www.ramseysolutions.com/debt/average-american-debt#:~:text=The%20average%20American%20debt%20
2https://www.cnbc.com/select/average-credit-card-debt-by-age/
3https://www.bankrate.com/finance/credit-cards/types-of-rewards-credit-cards/
4https://www.forbes.com/advisor/credit-cards/history-of-credit-cards/
5https://mint.intuit.com/blog/credit-cards/how-do-credit-cards-work/
6https://www.investopedia.com/terms/c/credit_score.asp
7https://www.bankrate.com/finance/credit-cards/good-apr-for-credit-card/
8https://www.investopedia.com/terms/d/dti.asp
9https://www.cnbc.com/select/is-the-us-the-only-country-with-credit-scores/
10https://www.bankrate.com/finance/credit-cards/types-of-rewards-credit-cards/#points
Hosted on Acast. See acast.com/privacy for more information.
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Welcome to the show that will help us all unpack our Money Baggage! In today's episode, you'll go on a journey of Savings 101 with your hosts, Jo Franco and Xavier Jarvis. Knowledge is wealth, so let's grow these money mindsets!
The Money Baggage podcast creates a community around something that affects us all: money. Through the use of personal stories, research-based facts, and third-party points of view, it is our goal to ease the immense pressure of having conversations about money.
This podcast is sponsored by Hightower Advisors and produced by Jo Franco. Get more free financial info here.
The hosts are Jo Franco, content creator and founder of JoClub, and Xavier Jarvis, Communications Specialist at Hightower Advisors.
Submit your money baggage questions on Jo's DMs, Instagram and subscribe on YouTube.
Watch Jo's Money Docuseries here: https://youtu.be/PBM0iWW4nec
Citations:
https://www.bankrate.com/banking/savings/emergency-savings-report/ https://www.cnbc.com/2022/01/19/56percent-of-americans-cant-cover-a-1000-emergency-expense-with-savings.html https://www.cnbc.com/2022/04/29/its-ok-to-not-follow-a-budget-says-a-financial-therapist.html#:~:text=While%20a%20budget%20can%20help,OppLoans%2C%20a%20loan%20servicing%20company. https://corporatefinanceinstitute.com/resources/fpa/types-of-budgets-budgeting-methods/ https://www.investopedia.com/terms/c/compounding.asp https://www.investopedia.com/ask/answers/022916/what-502030-budget-rule.asp https://www.bankrate.com/retirement/how-much-do-you-need-in-savings-retirement-emergency-fund/#:~:text=Standard%20financial%20advice%20says%20you,accounts%20and%20shorter%2Dterm%20CDs. https://www.cnbc.com/select/best-high-yield-savings-accounts/Hosted on Acast. See acast.com/privacy for more information.
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Welcome to the show that will help us all unpack our Money Baggage! In today's episode, you'll go on a journey of debt with your hosts, Jo Franco and Xavier Jarvis. Take a deep breath, most of us have it, you are not alone. Knowledge is wealth, so let's grow these money mindsets!
The Money Baggage podcast creates a community around something that affects us all: money. Through the use of personal stories, research-based facts, and third-party points of view, it is our goal to ease the immense pressure of having conversations about money.
This podcast is sponsored by Hightower Advisors and produced by Jo Franco. Get more free financial info here.
The hosts are Jo Franco, content creator and founder of JoClub, and Xavier Jarvis, Communications Specialist at Hightower Advisors.
Submit your money baggage questions on Jo's DMs, Instagram and subscribe on YouTube.
Watch Jo's Money Docuseries here: https://youtu.be/PBM0iWW4nec
Citations:
https://www.ramseysolutions.com/debt/average-american-debt#:~:text=The%20average%20American%20debt%20(per,least%20some%20type%20of%20debt.&text=Let's%20pause%20a%20second%20to%20define%20debhttps://www.bankrate.com/personal-finance/debt/pros-and-cons-of-debt-consolidation/ https://www.wellsfargo.com/goals-credit/smarter-credit/manage-your-debt/snowball-vs-avalanche-paydown/#:~:text=The%20%22snowball%20method%2C%22%20simply,all%20accounts%20are%20paid%20off. https://www.investopedia.com/ask/answers/110614/what-are-main-categories-debt.asp#:~:text=Different%20types%20of%20debt%20include,auto%20loans%2C%20and%20personal%20loans. https://www.investopedia.com/articles/pf/12/good-debt-bad-debt.asp#:~:text=Debt%20can%20be%20considered%20%E2%80%9Cgood,your%20long%2Dterm%20financial%20health.Hosted on Acast. See acast.com/privacy for more information.
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Welcome to the show that will help us all unpack our Money Baggage! In today's episode, you'll be introduced to your hosts, Jo Franco and Xavier Jarvis, you'll hear about the show, and start questioning your own money narrative. Knowledge is wealth, so let's grow these money mindsets!
The Money Baggage podcast creates a community around something that affects us all: money. Through the use of personal stories, research-based facts, and third-party points of view, it is our goal to ease the immense pressure of having conversations about money.
This podcast is sponsored by Hightower Advisors https://hightoweradvisors.com/ and produced by Jo Franco.
The hosts are Jo Franco, content creator and founder of JoClub, and Xavier Jarvis, Communications Specialist at Hightower Advisors.
Submit your money baggage questions on Jo's DMs, Instagram and subscribe on YouTube.
Watch Jo's Money Docuseries here: https://youtu.be/PBM0iWW4nec
Citations:
chrome-extension://efaidnbmnnnibpcajpcglclefindmkaj/https://d3f7q2msm2165u.cloudfront.net/aaa-content/user/files/Files/NGPFAnnualReport_2022.pdf https://www.cnbc.com/2022/04/22/nearly-25percent-of-us-students-have-access-to-personal-finance-education.html https://www.investopedia.com/articles/07/roots_of_money.asp#toc-first-official-currency-is-minted https://rightasrain.uwmedicine.org/life/relationships/scarcity-mindset#:~:text=A%20scarcity%20mindset%20is%20when,and%20increases%20jealousy%20and%20stress. https://hbswk.hbs.edu/item/more-proof-that-money-can-buy-happiness https://www.cnbc.com/2022/04/06/americans-think-parents-should-teach-kids-about-money-yet-many-dont.html#:~:text=Yet%20many%20don't%20actually,the%20survey%2C%20conducted%20by%20Momentive.Hosted on Acast. See acast.com/privacy for more information.
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The Money Baggage podcast creates a community around something that affects us all: money. Through the use of personal stories, research-based facts, and third-party points of view, it is our goal to ease the immense pressure of having conversations about money.
This podcast is sponsored by Hightower Advisors to spread financial literacy, for more visit https://hightoweradvisors.com/.
The show was produced and edited by Jo Franco, the hosts are Jo Franco, content creator and founder of JoClub, and Xavier Jarvis, Communications Specialist at Hightower Advisors.
Submit your money baggage questions by sending Jo a DM on Instagram and subscribe on YouTube
Hosted on Acast. See acast.com/privacy for more information.
