Two Cents

In this highly anticipated episode, we dive into our $605,000 home-buying journey. 🏡 You won't want to miss this if you're considering a home purchase or simply curious! We break down why we decided it was the right time to buy and all the financial details, including how much we really spent using the VA Home Loan and why we're paying $300K more than our home value. We'll also share what we learned from putting $30K into the property, our regrets, and yes—even the part where we discovered our house is sinking. We wrap up with some tips and recommendations to help you save on interest and pay off your home faster. Thank you so much for tuning in! If you liked this episode, we’d appreciate it if you gave us a follow and a review! Thanks, H & J 💚 And thanks to our newest sponsor, Public! Learn more at Public.com/STS A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 9/26/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. High Yield bonds carry greater risk of default. See https://public.com/disclosures/bond-account to learn more. Follow Salary Transparent Street: ​⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠ Facebook⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠Snapchat⁠⁠⁠⁠⁠⁠ Follow Hannah: ​⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠ TikTok⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠ Follow James: Instagram⁠⁠⁠⁠⁠ Edited by ⁠⁠⁠⁠⁠⁠Amanda Deisler⁠⁠⁠⁠⁠⁠ Graphics by ⁠⁠⁠⁠⁠⁠Nhu Nguyen⁠⁠⁠ Episode breakdown: 0:00 Intro 1:02 PUBLIC 🥳 2:19 We bought a home! 2:30 Why did we decide to buy a home? 6:14 Our turning point 9:03 Hannah's issue with flipping homes 9:59 Searching for the perfect home 15:28 Breaking down the finances of a $605,000 house purchase 16:20 What makes the VA Home Loan different? 20:05 Why we're paying $300K more than the value of the home? 21:47 How we spent $30K on the home 23:40 Do we regret buying our house? 24:32 Our house is sinking 26:55 What we recommend if you're looking to buy a home 30:22 The pros of renting 32:35 The cons of renting 35:02 The pros of owning 37:47 The cons of owning 43:23 Final recommendations 43:45 How to pay less interest and pay your home off faster 49:40 Red flags to look out for 55:55 Don't forget about these resources! #twocentspodcast #salarytransparentstreet #twocentspod #howmuchdoyoumake #salarytransparency #budgetasacouple #marriedbudget #paytransparency #homebuyingexperience #weboughtahome #howweboughtahome #realestate

Happy Halloween! 🎃 In this spooky episode, we're sharing some of our workplace horror stories! From creepy critters in espresso machines to injuries on the job, we've experienced a lot in our careers. Tune in to hear what we learned from these experiences and why it's so important to know your rights in the workplace (HINT: protect yourself)!🦇 If you liked this episode, we’d greatly appreciate it if you gave us a follow and a review! Thanks, H & J 💚 Thanks to our newest sponsor, Public! 🎉 Learn more at Public.com/STS A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 9/26/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. High Yield bonds carry greater risk of default. See https://public.com/disclosures/bond-account to learn more. Follow Salary Transparent Street: ​⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠⁠Snapchat⁠⁠⁠⁠⁠⁠⁠⁠ Follow Hannah: ​⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠ Follow James: ​⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠ Edited by ⁠⁠⁠⁠⁠⁠⁠⁠Amanda Deisler⁠⁠⁠⁠⁠⁠⁠⁠ Graphics by ⁠⁠⁠⁠⁠⁠⁠⁠Nhu Nguyen⁠⁠⁠⁠⁠ Episode breakdown: 0:00 Intro 0:10 PUBLIC AD 1:18 Workplace trauma 4:05 Marine Corps boot camp isn't fun! 7:01 "I've never seen this side of you!" 8:54 Don't go to the head 😢 10:34 This lived in the Starbucks espresso machine... 12:56 That was definitely a violation 13:45 She physically restrained me from leaving 18:30 They took my commission... 23:19 My life could look very different today 23:35 I had 5 jobs at the same time 26:14 I made $1,000/week at this job 28:56 I heard a roar, and looked down... 31:04 They gaslit me into thinking it was my fault 33:20 The door swings open as I bend down 35:08 The reason we started Salary Transparent Street 39:25 I found out I was underpaid $25,000 43:20 They're not the right company for you 44:30 The importance of knowing your rights 45:56 He tried to scare me into not saying anything 46:30 Let us know your workplace traumas! #twocentspodcast #salarytransparentstreet #twocentspod #salarytransparency #streetinterviewer #streetinterviewers #workplacehorrorstories #workstories

An established tech boot camp asked us to do something unethical, and we're spilling the tea. From how much we gave up on this brand deal to exposing other street interviewers for betraying the trust of their followers, we're spilling the tea and giving you our two cents on how to protect yourself from scammy street interviewers. If you liked this episode, we’d appreciate it if you gave us a follow and a review! Thanks, H & J 💚 Thanks to our newest sponsor, Public! Learn more at Public.com/STS A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 9/26/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. High Yield bonds carry greater risk of default. See https://public.com/disclosures/bond-account to learn more. Follow Salary Transparent Street: ​⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠Snapchat⁠⁠⁠⁠⁠⁠⁠ Follow Hannah: ​⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠ Follow James: ​⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠ Edited by ⁠⁠⁠⁠⁠⁠⁠Amanda Deisler⁠⁠⁠⁠⁠⁠⁠ Graphics by ⁠⁠⁠⁠⁠⁠⁠Nhu Nguyen⁠⁠⁠⁠ Episode breakdown: 0:00 Intro 0:56 PUBLIC AD 2:27 Answering follow-up questions from our budgeting video 3:26 Why is child support so high? 5:26 Do we have debt on our credit card? 7:35 "You still didn't answer this..." 9:10 WE'RE CHARTING! 13:17 Spilling the tea 20:44 "Can you interview an actor?" 25:20 Always do your research 26:30 How much did we give up from this brand deal 28:48 "I hired him and he scammed me" 31:15 Our advice to current and aspiring street interviewers 31:50 Hawk Tuah! 32:50 How to avoid street interviewers 34:09 Don't ever do a street interview without this! 35:11 Conclusion #twocentspodcast #salarytransparentstreet #twocentspod #salarytransparency #streetinterviewer #streetinterviewers #publicinterview #contentcreator #exposingcontentcreators

We get asked how much we make all the time! So we're taking it a step further and sharing not just how much we make but also where those different income streams come from, our various expenses, and more! If you liked this episode, we’d appreciate it if you gave us a follow and a review! Thanks, H & J 💚 Thanks to our newest sponsor, Public! Learn more at Public.com/STS A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 9/26/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. High Yield bonds carry greater risk of default. See https://public.com/disclosures/bond-account to learn more. Links: 🍋🐶 ⁠Lemonade⁠ 🌴 ⁠Register for Coral Gables Workshop⁠ 💚 ⁠Register for Richmond Workshop⁠ 🫖 ⁠Register for Boston Workshop⁠ 🏛️ ⁠Register for Georgetown Workshop⁠ Follow Salary Transparent Street: ​⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠Snapchat⁠⁠⁠⁠⁠ Follow Hannah: ​⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠ ​⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠ Follow James: ​⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠ Edited by ⁠⁠⁠⁠⁠Amanda Deisler⁠⁠⁠⁠⁠ Graphics by ⁠⁠⁠⁠⁠Nhu Nguyen⁠⁠ Episode breakdown: Chapters: 0:00 Intro 2:08 What luxury means to us 3:55 PUBLIC 🥳 5:55 Breaking down Hannah's paycheck 8:40 Breaking down James' paycheck 13:09 Our total monthly income, post-tax 11:40 What's our largest monthly expense? 14:34 Breaking down our expenses (utilities, debt, etc.) 18:12 Our total debt 20:36 How much do our 4 pets cost? 21:03 What do we do with our extra income? 22:22 Total expenses 27:50 How we made $1M on social media 29:11 What questions do you have? #twocentspodcast #salarytransparentstreet #twocentspod #howmuchdoyoumake #salarytransparency #budgetwithme #budgetasacouple #marriedbudget #paytransparency

It’s our wedding anniversary! 💍🥰To celebrate, we’re finally answering your burning questions about our wedding, and giving you the backstory behind all our financial decisions on our special day.Tune in to hear why people thought we got ripped off by our photographer, what we regretted spending on, how we cut costs on our favorite things, and what we have to say to the haters. ☕️ If you’re married, how much did you spend on your wedding? Let us know in our community poll!And if you liked this episode, we’d appreciate if you gave us a follow and a review! If you have any questions, please don’t hesitate to send us an email at twocents@salarytransparentstreet.com. Thanks! 💚Link to original video 💒Links to all our wedding vendors:Photography: Nicole Simensky Dress: Lulu’s Suit: Men’s WearhouseVenues: Gravelly Point, Spider Kelly’sMacaron Tower: Sweets By Caroline Bouquet: Etsy Temporary tattoos: Etsy Follow Salary Transparent Street:​⁠⁠⁠Instagram⁠⁠⁠​⁠⁠⁠TikTok⁠⁠⁠​⁠⁠⁠YouTube⁠⁠⁠​⁠⁠⁠Facebook⁠⁠⁠​⁠⁠⁠Snapchat⁠⁠⁠Follow Hannah:​⁠⁠⁠Instagram⁠⁠⁠​⁠⁠⁠TikTok⁠⁠⁠​⁠⁠⁠LinkedIn⁠⁠⁠Follow James:​⁠⁠⁠Instagram⁠⁠Edited by ⁠⁠⁠Amanda Deisler⁠⁠⁠Graphics by ⁠⁠⁠Nhu NguyenEpisode breakdown:0:00 Intro1:31 Wedding cost breakdown2:31 Our newest hire: DREA!3:13 What about our household and housing budget?4:08 What’s the average cost of a wedding in the US?5:00 Our total wedding budget5:38 What cost $0?7:50 Did we get ripped off by our photographer?9:35 How long were we engaged?12:15 How many people did we invite?12:40 Our highest cost15:07 “We didn’t get any help…”15:30 Answering your questions16:40 Addressing the racist comments we received18:27 Why were there no black people at the wedding?20:42 Why was Hannah’s wedding dress so cheap?22:02 Why were people outraged about James’ suit?23:32 Textbook financial sexism25:44 Hannah’s bouquet fooled everyone27:02 What did we regret spending on?28:40 What was worth spending on?29:40 How we brought our pets to the wedding30:36 Cheap and fun additions we loved32:21 Why didn’t we do a destination wedding?33:01 Final thoughts and takeaways#twocents #twocentsbysalarytransparentstreet #twocentspodcast #twocentsbysts #weddingcosts #weddingcostbreakdown #weddingregrets #howmuchdidourweddingcost