Coffee and Coin Podcast

Have you ever been told "No" when negotiating your salary?  In this episode, Joy M shares her creative negotiation tactics, how she went from being a "saver" to being an "investor", and her biggest takeaways from joining the Wealth Circle. Plus, you'll get to hear the fun story about her incredible dog that walks itself!   LISTEN TO LEARN: 01:30 Treadmill Walking Dog 04:54 Job Title & Salary 06:00 Negotiate Beyond No 14:13  High Yield Savings 18:24 Genius 401K Strategy 24:01 Emergency Fund Tactics   RESOURCES Join the Wealth Circle: factorawealth.com/wealth-circle Join 6 Figure Savings: factorawealth.com/6-figure-savings Join our FREE email mini-course and start building wealth today: factorawealth.com/wealth-building-101   FOLLOW Instagram: www.instagram.com/factora_wealth/ YouTube: youtube.com/@factora_wealth Visit our website: www.factorawealth.com   Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

Are you facing unemployment and racking up debts because of it? Do you feel like you're not moving fast enough towards your financial goals? In this episode, Shelly G. opens up about her turbulent 10-month-long unemployment journey and how she came out the other side. Although she accumulated almost $40,000 worth of debt, she has already made headway in paying it off, landed her dream job, and has creatively reduced her expenses.  LISTEN TO LEARN: 03:18 Shelly's G #MoneyWin 06:39 Her 2024 Word "Optimize" 10:50 Is Credit Card Debt Bad? 13:39 An Unplanned Sabbatical 29:44 Shelly's G Net Worth 34:00 Financial Accountability Partner RESOURCES Join the Wealth Circle: factorawealth.com/wealth-circle Join 6 Figure Savings: factorawealth.com/6-figure-savings Join our FREE email mini-course and start building wealth today: factorawealth.com/wealth-building-101 FOLLOW Instagram: www.instagram.com/factora_wealth/ YouTube: youtube.com/@factora_wealth Visit our website: www.factorawealth.com   Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

Want to get your kids more interested in investing but don't know where to start? In today's episode, Allegra is joined by Erika S., who has been talking to her kids about money since they were in the crib. Fast-forward 16 years, and her oldest has just opened a HYSA and is well on her way to a million-dollar net worth! Erika S. lays out her strategies for getting kids curious about wealth building from an early age and all the incredible takeaways she's gained from the Factora Community.  LISTEN TO LEARN: 06:25 Talking to kids about money 17:15 Opening an HYSA for her 19-year-old 19:30 Why HYSAs are so effective 23:00 Takeaways from Factora RESOURCES Join the Wealth Circle: factorawealth.com/wealth-circle Join 6 Figure Savings: factorawealth.com/6-figure-savings Join our FREE email mini-course and start building wealth today: factorawealth.com/wealth-building-101 FOLLOW Instagram: www.instagram.com/factora_wealth/ YouTube: youtube.com/@factora_wealth Visit our website: www.factorawealth.com   Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

Are you planning a wedding and looking for cost-saving strategies? Unsure of how to talk to your partner about finances? In this episode, Chris P. shares her personal take on wedding planning with her partner, focusing on how they’re designing a celebration that not only honors their values, but also respects their financial goals. Chris also opens up about her fertility journey, highlighting the hidden costs and hurdles while preparing for a baby.  LISTEN TO LEARN 7:00 #FinanceFlirting 18:00 Cutting Wedding Costs 25:00 Wedding Budgeting 27:30 Prenups 30:00 Fertility Journey RESOURCES Join the Wealth Circle: factorawealth.com/wealth-circle Join 6 Figure Savings: factorawealth.com/6-figure-savings Join our FREE email mini-course and start building wealth today: factorawealth.com/wealth-building-101   FOLLOW Instagram: www.instagram.com/factora_wealth/ YouTube: youtube.com/@factora_wealth Visit our website: www.factorawealth.com   Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

Have you been curious about the Wealth Circle but have yet to pull the trigger? Now's your chance!    In this episode, Allegra unveils exciting changes to the Wealth Circle, including a new self-paced course format. This format offers you more flexibility to learn at your own pace, ensuring you get the most out of your wealth-building journey.    RESOURCES Join the Wealth Circle: factorawealth.com/wealth-circle   FOLLOW Instagram: www.instagram.com/factora_wealth/ YouTube: youtube.com/@factora_wealth Visit our website: www.factorawealth.com   Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

Want to pay off your mortgage in 10 years instead of 30?   In this episode, Sarah B.L. shares the nitty-gritty details of how she paid off 25% of her mortgage in just two years—and how she's on track to pay off her 30-year mortgage in just 10 years. She explains why this decision was the right choice for her family, the difference between good debt and bad debt, and how talking about money made her a more confident investor.   LISTEN TO LEARN 04:00 - Financing Her First Home 10:30 - How She Pays Her Mortgage 14:30 - Her Home Buying Strategy 21:00 - Her Factora Learnings   RESOURCES Learn more about the Wealth Circle: factorawealth.com/wealth-circle Join 6 Figure Savings: factorawealth.com/6-figure-savings Get our FREE financial framework workbook: factorawealth.lpages.co/grow-net-worth-workbook Get our FREE investing checklist: factorawealth.lpages.co/investing-checklist/   FOLLOW Instagram: www.instagram.com/factora_wealth/ YouTube: youtube.com/@factora_wealth Visit our website: www.factorawealth.com   Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

Did you know that you have until April 15th, 2024, to contribute to your 2023 IRA?    If you haven't maxed yours out yet, this episode will share everything you need to know about making the most out of your IRA.    Allegra and Whitney explain everything you need to know about the difference between Roth and Traditional IRAs, the restrictions on contributing to and withdrawing from IRAs, and why IRAs are great investments.   LISTEN TO LEARN What an IRA is, and why you may want one even if you already have a 401(k) How to make the most of your IRA and avoid costly penalties A breakdown of the different types of IRAs - Roth, Traditional, SEP, and SIMPLE How to determine which IRA is right for you and your goals What action steps to take to open an IRA account    RESOURCES Learn more about the Wealth Circle: factorawealth.com/wealth-circle Join 6 Figure Savings: factorawealth.com/6-figure-savings Get our FREE financial framework workbook: factorawealth.lpages.co/grow-net-worth-workbook Get our FREE investing checklist: factorawealth.lpages.co/investing-checklist/   FOLLOW Instagram: www.instagram.com/factora_wealth/ YouTube: youtube.com/@factora_wealth Visit our website: www.factorawealth.com   Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

Feeling lost in the maze of financial tools and platforms? Curious about how others structure their finances for success?"   In this episode, Tay and Allegra reveal the ins and outs of their finance game, sharing the ins and outs of their account setups and the nifty tools that keep them sharp. From daily checks to annual overhauls, you'll discover how they effortlessly stay on top of their finances.   LISTEN TO LEARN 04:07 - Taylor’s Account Breakdown 07:47 - Lifestyle Analysis 14:05 - Taylor’s Financial Maintenance 21:18 - Allegra’s Account Breakdown   RESOURCES Learn more about the Wealth Circle: factorawealth.com/wealth-circle Join 6 Figure Savings: factorawealth.com/6-figure-savings Get our FREE financial framework workbook: factorawealth.lpages.co/grow-net-worth-workbook Get our FREE investing checklist: factorawealth.lpages.co/investing-checklist/   FOLLOW Instagram: www.instagram.com/factora_wealth/ YouTube: youtube.com/@factora_wealth Visit our website: www.factorawealth.com   Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

Are you hesitant about mixing business with friendship? Waiting to find your forever partner before purchasing a home?   In this episode, serial real estate investor Stef shares her journey of blending business with pleasure and harnessing the power of partnership to grow her real estate portfolio to an impressive 19 properties! Whether considering investments with friends, family, or both, this episode provides the insights and guidance necessary to confidently and clearly navigate the complexities involved.   LISTEN TO LEARN 03:32 - Stef's Real Estate Portfolio Breakdown 08:00 - "Houses before Spouses" 21:00 - LLC's & Operational Agreements 26:00 - Real Numbers & Examples 47:00 - 1031 Exchange   RESOURCES Learn more about the Wealth Circle: factorawealth.com/wealth-circle Join 6 Figure Savings: factorawealth.com/6-figure-savings Get our FREE financial framework workbook: factorawealth.lpages.co/grow-net-worth-workbook Get our FREE investing checklist: factorawealth.lpages.co/investing-checklist/   FOLLOW Instagram: www.instagram.com/factora_wealth/ YouTube: youtube.com/@factora_wealth Visit our website: www.factorawealth.com   Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

Curious about what it takes to start your own side hustle or invest in startups? Are you ready to unlock the secret to building a seven-figure net worth?   In this episode, we're sharing a recording from our January Community Event, where three Wealth Circle graduates joined Allegra to share their transformative journeys and strategies, including a remarkable transition from a $62K salary to an impressive $200K a year and another inspiring tale of a net worth leap from $60K to a staggering $682K.   LISTEN TO LEARN 04:45 - Success Stories of Wealth Circle Alumni 18:50 - Investment Asset Classes 20:00 - Starting A Food Truck Business 24:00 - Real Estate Investing 37:50 - Talking about Money 43:00 - Wealth Circle Q & A   RESOURCES Learn more about the Wealth Circle: factorawealth.com/wealth-circle Join 6 Figure Savings: factorawealth.com/6-figure-savings Get our FREE financial framework workbook: factorawealth.lpages.co/grow-net-worth-workbook Get our FREE investing checklist: factorawealth.lpages.co/investing-checklist/   FOLLOW Instagram: www.instagram.com/factora_wealth/ YouTube: youtube.com/@factora_wealth Visit our website: www.factorawealth.com   Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

Is it ever too late to start investing? Can understanding your 401k really make a difference in your financial future?   In this episode of Coffee and Coin, our Founder & CEO Allegra breaks down how she built a million-dollar net worth in less than 5 years while making $75K/year.  (And guess what? Factora's 2024 Wealth Circle is your ticket to do the same.)    LISTEN TO LEARN 09:00 - Allegra's Story 19:00 - What Is Financial Freedom? 24:30 - Factora's Financial Framework 28:00 - Success Stories 36:00 - Wealth Circle Q & A   RESOURCES Learn more about the Wealth Circle: factorawealth.com/wealth-circle Join 6 Figure Savings: factorawealth.com/6-figure-savings Get our FREE financial framework workbook: factorawealth.lpages.co/grow-net-worth-workbook Get our FREE investing checklist: factorawealth.lpages.co/investing-checklist/   FOLLOW Instagram: www.instagram.com/factora_wealth/ YouTube: youtube.com/@factora_wealth Visit our website: www.factorawealth.com   Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

Ever felt overwhelmed by the idea of stock market investing?   In this episode of Coffee & Coin, Allegra and Whitney dive deep into the world of stock market investing. They explore why waiting to invest can be a costly mistake, break down the mechanics of market cycles, and discuss how dollar-cost averaging can transform your investment strategy. Learn about managing risk, ignoring the sensational news, and the power of starting now!   LISTEN TO LEARN 05:55 - Why You Should Invest in Stocks 07:17 - How the Stock Market Works 09:44 - Stock Market Cycles  14:30 - Why You Shouldn't Wait 35:00 - Strategies You Should Employ   RESOURCES Learn more about the Wealth Circle: factorawealth.com/wealth-circle Join 6 Figure Savings: factorawealth.com/6-figure-savings Get our FREE financial framework workbook: factorawealth.lpages.co/grow-net-worth-workbook Get our FREE investing checklist: factorawealth.lpages.co/investing-checklist/   FOLLOW Instagram: www.instagram.com/factora_wealth/ YouTube: youtube.com/@factora_wealth Visit our website: www.factorawealth.com   Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

Ever wondered how to grow your net worth while juggling multiple roles?    Join us in this inspiring episode of Coffee & Coin where Liz B shares her incredible journey as a small business owner and creator. She went from balancing three part-time jobs to doubling her business revenue in just one year. Liz’s story is a testament to the power of financial education and mindset. Get ready for insights on overcoming financial shame, embracing entrepreneurship, and the importance of community in wealth-building.   LISTEN TO LEARN 08:30 - Overcoming Financial Shame 15:00 - Entrepreneurship Journey 23:00 - Net Worth Breakdown 35:00 - Shame-Free Money Goals 37:00 - Starting Small with Investing   RESOURCES Learn more about the Wealth Circle: factorawealth.com/wealth-circle Join 6 Figure Savings: factorawealth.com/6-figure-savings Get our FREE financial framework workbook: factorawealth.lpages.co/grow-net-worth-workbook Get our FREE investing checklist: factorawealth.lpages.co/investing-checklist/   FOLLOW Instagram: www.instagram.com/factora_wealth/ YouTube: youtube.com/@factora_wealth Visit our website: www.factorawealth.com   Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

Are you working to increase your net worth in 2024?    Tune in to this eye-opening episode, where we delve into Cris V's inspiring journey from having a negative net worth to building substantial wealth. Cris shares her candid experiences in navigating the tech world, making calculated risks in real estate, and the life-changing impact of the student loan pause. Plus, the importance of aligning career choices with your personal values, not just the paycheck.   This episode is packed with actionable insights on wealth-building, overcoming financial challenges, and the power of community in financial education.    LISTEN TO LEARN 07:30 Buying Her First Home 09:00 The Factora Wealth Community  20:00 The Student Loan Pause 25:30 Job Salaries & Benefits 29:00 Her IVF Journey 33:00 Retirement Accounts & Side Hustles   RESOURCES Learn more about the Wealth Circle: factorawealth.com/wealth-circle Join 6 Figure Savings: factorawealth.com/6-figure-savings Get our FREE financial framework workbook: factorawealth.lpages.co/grow-net-worth-workbook Get our FREE investing checklist: factorawealth.lpages.co/investing-checklist/   FOLLOW Instagram: www.instagram.com/factora_wealth/ YouTube: youtube.com/@factora_wealth Visit our website: www.factorawealth.com   Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

In this episode, we're tackling crucial topics like the gender pay gap, the realities of salary negotiation, and the impact of maternity leave on women's earnings. Plus, we're diving into the 2024 tax bracket changes and how they affect your wealth-building journey.    Whether you're navigating salary negotiations or optimizing your tax strategy, this episode is packed with valuable insights to help you increase your net worth.   LISTEN TO LEARN 02:30 Debunking the Gender Pay Gap Myth 15:45 The Impact of Maternity Leave on Women's Earnings 27:10 Exploring Salary Transparency Laws 40:50 Navigating the 2024 Tax Bracket Changes 55:30 Personal Finance Updates from Our Hosts   RESOURCES Learn more about the Wealth Circle: factorawealth.com/wealth-circle Join 6 Figure Savings: factorawealth.com/6-figure-savings Get our FREE financial framework workbook: factorawealth.lpages.co/grow-net-worth-workbook Get our FREE investing checklist: factorawealth.lpages.co/investing-checklist/   FOLLOW Instagram: www.instagram.com/factora_wealth/ YouTube: youtube.com/@factora_wealth Visit our website: www.factorawealth.com   Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

Welcome to another episode of Coffee & Coin, where we're on a mission to lead 1 million women to $1 million in net worth! Join Allegra and Whitney as they explore the intricacies of HSAs and share valuable insights on leveraging these accounts for significant tax savings and investment opportunities. Whether you're a seasoned investor or just starting out, this episode is packed with practical advice to help you make informed decisions about your financial well-being.   LISTEN TO LEARN 10:00 The Triple Tax Benefits of HSAs 15:00 HSA vs. FSA: Breakdown of differences and advantages 27:00 Whitney & Allegra’s  HSA Strategies 32:00 A step-by-step guide on setting up and managing your HSA   RESOURCES  Learn more about the Wealth Circle: factorawealth.com/wealth-circle Join 6 Figure Savings: factorawealth.com/6-figure-savings Get our FREE financial framework workbook: factorawealth.lpages.co/grow-net-worth-workbook Get our FREE investing checklist: factorawealth.lpages.co/investing-checklist/   FOLLOW Instagram: www.instagram.com/factora_wealth/ YouTube: youtube.com/@factora_wealth Visit our website: www.factorawealth.com   Got a question or a topic you'd like us to cover? Message us on Instagram @factora_wealth. Don't forget to subscribe and share this episode with someone who could benefit from it!

Ever wondered how joining a wealth circle could transform your financial journey? Curious about the real-life impact of intentional investing? On this episode of Net Worth Diaries, Sarah P. takes us on a captivating journey from low-paying non-profit jobs to doubling her salary and investing rate. As a facilitator in the Wealth Circle, she delves into her fulfilling career and the importance of making financial moves aligned with your interests. Listen to hear: Getting over the fear of investing Tripling your investing rate Variety brokerage account options Real-life examples, numbers, and breakdowns Tune in to uncover the empowering world of intentional wealth-building and discover how a supportive community can turn your financial goals into reality. 💰✨ Join the Wealth Circle Waitlist: https://www.factorawealth.com/wealth-circle  Download our FREE financial framework workbook: https://factorawealth.lpages.co/grow-net-worth-workbook/  

Are you dreaming of early retirement and financial freedom? Wondering how to calculate the magic number that can make your dreams a reality? In this episode, Whitney and Allegra demystify the 4% rule, explore various asset classes for generating passive income in retirement, and craft a clear roadmap for you to seize control of your financial future. Listen to hear: How to calculate your retirement number The 3% rule vs the 4% rule How to conduct a lifestyle analysis Real-life examples, numbers, and breakdowns   Join the Wealth Circle Waitlist: https://www.factorawealth.com/wealth-circle Download our FREE financial framework workbook: https://factorawealth.lpages.co/grow-net-worth-workbook/

Are you looking for a new job or thinking about switching careers? Do you want to earn more at your current company?  In today's episode, Allegra is joined by two recruiting and salary negotiation experts who are passionate about helping women level up their careers, secure leadership roles, and earn more at work.  Listen to learn how to: Create a customized job search plan Effectively research roles & companies Build your personal brand Submit applications that get noticed Identify your salary band and negotiate for higher compensation    Want to be the first to know about future workshops like this one? Sign up for our newsletter: factorawealth.com/newsletter

Are you wondering when's the right moment to dive into saving and investing? Ever thought about how you can just sit back and watch your money grow effortlessly in a brokerage account? In today's episode, the Factora team is diving deep into the realm of financial self-care, exploring how daily habits and practices play a crucial role in shaping your financial future. Liz, Taylor, and Allegra cover everything from savings buckets, value-based spending, and the divide-and-conquer approach to financial planning. Listen to hear: The importance of setting up systems and automation How to decide if purchases align with your values How to divide and conquer finances as a couple A breakdown of the different types of emergency funds & savings buckets