The Financial Mirror

Don’t stress over your credit score — here’s why. Too many people believe their credit score is the ultimate sign of financial health. But your credit score is NOT a measure of wealth, success, or stability. It’s simply a risk rating that lenders use to decide whether to loan you money.Think about it: billionaires who don’t borrow have terrible credit scores. Meanwhile, people drowning in debt can have “great” credit scores — because they keep borrowing!In this episode, we’ll break down:Why your credit score doesn’t define your financial healthThe truth about credit vs. insurance scoresWhy obsessing over your score keeps you trapped in debtHow real wealth is built through budgeting, debt freedom, and net worth growthSimple habits that will naturally improve your score over timeIf you’re tired of chasing a number and ready to focus on real financial freedom, this episode will give you the mindset shift you need.Hit subscribe, drop a comment about your own experience with credit scores, and share this with someone who needs to hear it.Articles:Insurance Scores: https://www.bankrate.com/insurance/car/insurance-score/Credit Score Financial Future: https://www.finra.org/investors/personal-finance/how-your-credit-score-impacts-your-financial-future**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirrorIf you are in need of a Financial Coach, don’t waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/#InvestInYourself #PersonalFinance #FinancialEmpowerment #financialfreedom #finance #money #investing #financialliteracy #financialindependence #budgeting #debtfreecommunity #financialplanning #debtfree #financialeducation #debtfreejourney #wealth #financetips #business #budget #investment #entrepreneur #moneymanagement #moneytips #stockmarket #financialgoals #invest #motivation #debt #savings #moneymindset #savingmoney #success #creditscore #wealthbuilding #moneyhabits #networth #financialsecurity #payoffdebt #creditrepair #moneygoals #creditscoredoesntmatter

Is inflation really over — or is the economy just shifting gears? In this powerful breakdown of the 2025 economy, we unpack what’s actually happening with inflation, prices, and the Federal Reserve… and what it means for you.Inflation has cooled from 9.1% in 2022 to 2.7% in 2025, but that doesn’t mean prices are falling — just that they’re rising more slowly. And yet, many Americans still feel like they’re paying more for groceries, rent, gas, and everyday essentials. Why? This episode explains it all.We cover: • What inflation really is (and how it impacts YOU) • The 5-year story from pandemic panic to inflation recovery • Why “core inflation” matters more than you think • What the Fed is doing — and what might happen next with interest rates • Real-world examples of how inflation shows up in daily life • What consumers, investors, and families should do right nowIf you're tired of sensational headlines and want a clear, honest, actionable guide to the U.S. economy in 2025, this is for you.No jargon. No fear. Just smart, practical insights that help you take control of your money — whether you’re budgeting, investing, or just trying to keep up.Tune in now to learn: • Is inflation really over in 2025? • Why things still feel expensive • What’s ahead for the U.S. economySubscribe to the channel for more empowering content on personal finance, investing, and self-improvement. Don't miss out on the opportunity to unlock your true financial potential and live a life of abundance. It's time to invest in yourself and create the future you deserve!**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirrorIf you are in need of a Financial Coach, don’t waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/#InvestInYourself #PersonalFinance #FinancialEmpowerment #financialfreedom #finance #money #investing #financialliteracy #financialindependence #budgeting #debtfreecommunity #financialplanning #debtfree #financialeducation #wealth #financetips #budget #investment #entrepreneur #moneymanagement #moneytips #stockmarket #financialgoals #invest #savings #moneymindset #savingmoney #success #inflation #isinflationover #economy2025 #coreinflation #cpi2025 #costofliving #economicupdate #fedinterestrates #budgetingtips #recessionproof #inflationexplained #usinflationrate #investsmart #economicrecovery #federalreserve

If you’ve ever heard “My grandparents bought for $8,000!” and thought “I’ll never catch up,” this episode is for you. We break down buying power—how inflation, income, interest rates, taxes, insurance, and housing supply determine what you can really afford. You’ll see why the home price-to-income ratio jumped from ~3.5× to ~5×, why down payments feel heavier, how the rate-lock effect is choking inventory, and—most importantly—how to build a practical plan in today’s market.You’ll learn: • How to translate old prices into today’s dollars correctly • Why monthly PITI beats sticker price comparisons • What changed since 2020—and since 1960 • Real-world strategies to lower your payment, expand your search, and buy (or rent) without wrecking your futureThis is a direct, no-fluff guide to housing affordability in 2025 for first-time buyers, renters, and anyone interested in real estate. If you want clarity, confidence, and a plan, watch to the end and grab the resources below.Subscribe to the channel for more empowering content on personal finance, investing, and self-improvement. Don't miss out on the opportunity to unlock your true financial potential and live a life of abundance. It's time to invest in yourself and create the future you deserve!Articles:o https://www.fidelity.com/learning-center/smart-money/average-salary-in-uso https://www.americanprogress.org/article/americans-wages-are-higher-than-they-have-ever-been-and-employment-is-near-its-all-time-high/o https://www.bankrate.com/mortgages/historical-mortgage-rates/o https://finance.yahoo.com/news/average-home-cost-were-born-180001011.htmlo https://ushistoryscene.com/article/levittown/**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirrorIf you are in need of a Financial Coach, don’t waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/#InvestInYourself #PersonalFinance #FinancialEmpowerment #financialfreedom #finance #money #investing #financialliteracy #financialindependence #budgeting #debtfreecommunity #financialplanning #debtfree #financialeducation #debtfreejourney #wealth #financetips #business #budget #investment #entrepreneur #moneymanagement #moneytips #stockmarket #financialgoals #invest #motivation #debt #savings #moneymindset #savingmoney #success #realestate #housingmarket #homebuying #mortgagerates #inflation #homeownership #costofliving #affordablehousing #economy #wealthbuilding #budgetingtips #firsttimehomebuyer #housingcrisis #americanDream

Is the government holding YOUR money right now without you knowing it?Across the U.S., states are holding over $70 billion in unclaimed money—and much of it belongs to everyday people just like you. This could be old paychecks, closed bank accounts, insurance payouts, utility deposits, tax refunds, or even forgotten savings bonds.The shocking truth: 1 in 7 Americans has unclaimed property, and the average claim is over $2,000. Most people never check—leaving their money to sit untouched for years.In this video, I’ll show you: ✅ How to check MissingMoney.com and state databases for your unclaimed money ✅ Which federal databases to search (IRS refunds, VA, PBGC pensions, HUD refunds, FDIC, TreasuryHunt) ✅ The exact steps to file a claim for free ✅ How to avoid scams and fake “money finders” ✅ A personal story of how my wife claimed her forgotten final paycheckDon’t leave money on the table. Take action today—you could be sitting on a surprise financial windfall that’s already yours.💰 Check now at: MissingMoney.como National Association of Unclaimed Property Administrators (NAUPA) – https://unclaimed.orgo U.S. Government (USAGov Unclaimed Money Page) – https://www.usa.gov/unclaimed-moneyo CNBC report: States have $70 billion in unclaimed assets (Sarah O’Brien) - https://www.cnbc.com/2023/02/01/how-to-check-if-youre-owed-a-share-of-70-billion-in-unclaimed-assetsSubscribe to the channel for more empowering content on personal finance, investing, and self-improvement. Don't miss out on the opportunity to unlock your true financial potential and live a life of abundance. It's time to invest in yourself and create the future you deserve!**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirrorIf you are in need of a Financial Coach, don’t waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/#investinyourself #financialempowerment #personalfinance #financialfreedom #finance #money #investing #financialliteracy #financialindependence #budgeting #debtfreecommunity #financialplanning #debtfree #financialeducation #debtfreejourney #wealth #financetips #business #budget #investment #entrepreneur #moneymanagement #moneytips #stockmarket #financialgoals #invest #motivation #debt #savings #moneymindset #savingmoney #success #unclaimedmoney #missingmoney #savemoney #moneyhacks

Most people think managing money is about logic, math, and perfect strategy. But if that were true, wouldn’t more people be financially free? In this episode, we explore why success with money is 90% emotional and only 10% mathematical.You’ll discover why emotional decisions like spending your tax refund or skipping your savings plan aren’t just bad luck — they’re predictable. Because money is about behavior, not equations.Whether you're trying to build wealth, stop emotional spending, or just get started investing, this episode will help you reframe how you think about financial success.Learn why chasing the mathematically “best” plan often leads to failure, and how aligning your money with your emotions leads to consistent, lasting growth.Subscribe to the channel for more empowering content on personal finance, investing, and self-improvement. Don't miss out on the opportunity to unlock your true financial potential and live a life of abundance. It's time to invest in yourself and create the future you deserve!**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirrorIf you are in need of a Financial Coach, don’t waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/#MoneyMindset #FinancialFreedom #PersonalFinance #BudgetingTips #MoneyMatters #WealthBuilding #FinancialEducation #InvestingTips #MoneyMotivation #EmotionalSpending #FinancialSuccess #MoneyGoals #SmartMoneyMoves #MoneyWisdom #FinanceTips #BehavioralFinance #MoneyHabits #EmotionalIntelligence #FinancialPlanning #RichLife

Are you buried in debt and can’t seem to gain momentum? Discover the powerful method backed by science and endorsed by financial experts: the Debt Snowball Method. In this episode, we break down why paying off your smallest debts first — even if it’s not mathematically optimal — is the most effective strategy to finally eliminate debt.With insights from Dave Ramsey’s proven 7 Baby Steps and groundbreaking research from Northwestern University’s Kellogg School of Management, we unpack how small victories build massive momentum. You’ll learn the psychology of motivation, compare Debt Snowball vs. Avalanche, and get a step-by-step blueprint to crush your debt — starting today.Subscribe to the channel for more empowering content on personal finance, investing, and self-improvement. Don't miss out on the opportunity to unlock your true financial potential and live a life of abundance. It's time to invest in yourself and create the future you deserve!**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirrorIf you are in need of a Financial Coach, don’t waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/#DebtSnowball #DebtFreeJourney #DebtPayoff #PayOffDebt #DaveRamsey #SnowballMethod #CrushDebt #DebtFree #Budgeting #PersonalFinance #FinancialFreedom #MoneyMindset #FinancialLiteracy #MoneyMotivation #SmartMoneyMove

Do you feel like your paycheck doesn’t stretch as far as it used to? You’re not alone — and you’re not wrong.The truth is, you're probably making more than you did five years ago — and yet, you feel poorer. That’s not a budgeting issue. That’s inflation at work. In this video, we break down how $100,000 in 2020 is equivalent to $125,000 in 2025, and why a typical 3% raise leaves you $10,000 short of the buying power you need.You’ll learn:Why your money feels like it’s evaporatingHow inflation has outpaced most salariesThe myth of the “cost-of-living” raiseWhat you can actually do to fight backIf your finances feel tight even though you’re earning more — you’re not broken. The system is.But here’s the good news: you can still control how you earn, spend, and grow wealth. This episode is your wake-up call.Subscribe for more brutally honest breakdowns on money, freedom, and the hidden forces shaping your future.**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirrorIf you are in need of a Financial Coach, don’t waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/#InvestInYourself #PersonalFinance #FinancialEmpowerment #personalfinance #financialfreedom #finance #money #investing #financialliteracy #financialindependence #budgeting #debtfreecommunity #financialplanning #debtfree #financialeducation #debtfreejourney #wealth #financetips #business #budget #investment #inflation #costofliving #feelbroke #personalfinance #moneymatters #budgetingtips #financialfreedom #cpi #economictruth #3percentraise #moneytalk #financialliteracy #inflation2025 #recessionready #wagegap #salaryvsinflation #beatinflation #smartmoney #paycheckpower #budgetpressure

Thinking about co-signing a loan for a friend or family member? Stop and watch this first.In this episode, we reveal the harsh truth behind co-signing — why it's one of the most financially dangerous decisions you can make, no matter how much you love or trust someone. You'll learn what really happens when you co-sign a loan, hear true stories of financial ruin, and understand the long-term emotional and legal consequences.Most people believe they're just “helping” someone get approved. But co-signing makes YOU fully responsible for the debt. If the borrower misses payments or defaults, your credit score tanks — and your relationship may not survive either.This is a must-watch for parents, partners, and anyone pressured to “just sign here.” We’ll also give you smarter alternatives to support someone financially without tying your name to their loan.Learn the risksProtect your creditSet healthy financial boundariesDon’t co-sign until you know the facts. Protect your peace, your finances, and your future.Subscribe for honest money talk, smart financial strategies, and the tough lessons no one teaches.**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirrorIf you are in need of a Financial Coach, don’t waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/#CoSignLoan #NeverCoSign #StopCoSigning #CreditScore #LoanMistakes #PersonalFinance #FinancialFreedom #MoneyTips #DebtFreeJourney #Budgeting #SmartMoneyMoves #FinancialAdvice #MoneyHelp #ProtectYourCredit #FinanceTips #MoneyMatters #CreditScoreHelp #FinancialEducation #FinancialWellness #FamilyFinances

Are you really on track to retire a millionaire — or is that just a dream? In this powerful episode, we break down why becoming a millionaire is more achievable than ever, even on a modest income. Inspired by Dave Ramsey’s bold challenge to Americans under 40, we dive into the real math behind retiring with over $1 million — or even $11.6 million — by age 65.You’ll learn the compound growth strategies that work, even if you're starting small. We’ll walk through the difference between investing $100 vs $1,000/month, the best habits of real-life millionaires, and what separates those who build wealth from those who never quite get there.Whether you’re 25 or 45, it’s not too late to start building your financial future. We’ll show you how to leverage time, automate your investing, and avoid common money mistakes that drain your wealth potential. Plus, you'll hear wisdom from dozens of self-made millionaires on how they did it — and how you can too.This isn't hype. This is your millionaire blueprint.Start small. Stay consistent. Build wealth for life.Like, subscribe, and comment below:What’s your wealth goal in the next 10 years?**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirrorIf you are in need of a Financial Coach, don’t waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/#MoneyMindset #FinancialIndependence #InvestingTips #SaveToInvest #RetireWealthy #MillionaireHabits #FinancePodcast #DaveRamseyInspired #FinancialGoals #FIREmovement #BuildWealth #RichOnPurpose #MoneyTalks #BudgetBetter #SmartInvesting

Wondering how much house you can actually afford? Forget what the bank tells you. Lenders base your mortgage approval on outdated debt-to-income ratios that ignore your real life—and that’s exactly how people end up house-poor. In this video, we break down the most accurate and financially sustainable way to calculate home affordability using a smarter method: the 25% rule.Instead of relying on gross income or bank pre-approvals, we show you how to determine your home buying budget based on take-home pay—the money that actually hits your bank account. Our rule of thumb: Your monthly mortgage payment, PMI, homeowner's insurance, and HOA fees should never exceed 25% of your net income. This ensures you still have room for retirement savings, emergencies, vacations, and everyday living—without sacrificing your future.We’ll walk you through:o Why traditional mortgage advice is flawedo The hidden dangers of lender-approved debt ratioso The full breakdown of housing costs (and which ones matter most)o How to budget for maintenance, taxes, and unpredictable repairso A real-world case study to show how this plays out in actual numberso Whether you should buy at all—or if renting and investing might be the better moveWhether you're a first-time homebuyer, someone relocating, or trying to figure out if it’s finally time to stop renting, this episode gives you real numbers, honest insights, and zero sales fluff.Ready to stop guessing and start planning? Check out this episode before you make a home-buying decision that locks up your income for decades.Don’t become house-poor. Buy smart. Live free.**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirrorIf you are in need of a Financial Coach, don’t waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/#InvestInYourself #PersonalFinance #FinancialEmpowerment #personalfinance #financialfreedom #finance #money #investing #financialliteracy #financialindependence #budgeting #debtfreecommunity #financialplanning #debtfree #financialeducation #debtfreejourney #wealth #financetips #business #budget #investment #entrepreneur #moneymanagement #moneytips #stockmarket #financialgoals #invest #motivation #debt #savings #moneymindset #savingmoney #success

Think you need 20% down to buy a house? Think again. That outdated myth might be the reason you’re still renting. In this video, we break down exactly how your down payment affects the maximum home price you can afford, based on your budget, not someone else’s rulebook.We walk through real mortgage math, using $1,500/month as our housing budget and today’s interest rates to show you what buyers with 20%, 10%, or 5% down can actually afford, including property taxes, insurance, and HOA dues.Whether you're a first-time homebuyer, a millennial trying to break into the market, or just tired of saving toward an arbitrary number, this episode gives you clarity on:How much house can you afford at different down payment levelsWhy aiming for a 20% down payment isn't always necessaryHow lenders calculate what you can qualify forWhat to do if your current savings don’t match the home you wantHow to plan your next steps in a high-rate, high-price housing marketThis is a no-fluff, numbers-based breakdown for real people who want real answers. If you’re buying a home in 2025, this is the episode you need to watch before setting your savings goal.Subscribe to the channel for more empowering content on personal finance, investing, and self-improvement. Don't miss out on the opportunity to unlock your true financial potential and live a life of abundance. It's time to invest in yourself and create the future you deserve!**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirrorIf you are in need of a Financial Coach, don’t waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/#InvestInYourself #PersonalFinance #FinancialEmpowerment #personalfinance #financialfreedom #finance #money #investing #financialliteracy #financialindependence #budgeting #debtfreecommunity #financialplanning #debtfree #financialeducation #debtfreejourney #wealth #financetips #business #budget #investment #entrepreneur #moneymanagement #moneytips #stockmarket #financialgoals #invest #motivation #debt #savings #moneymindset #savingmoney #success

Money and dating: a modern love story—or a total red flag? In this episode, we unpack what really happens when love meets financial baggage. Would you date someone with $20,000 in credit card debt? What about $1,000? A new survey shows that for many, money matters a lot more than they admit. From red flags to green lights, financial honesty, and dealbreaker debt, we're digging into how finances affect dating in 2025—and what you can do to date smarter.o How much debt is too much in a relationshipo Why Gen Z is more financially selective in datingo Real signs of financial compatibility (it's not about income)o How to talk about money without killing the moodDrop a comment: What’s your biggest financial red flag or green flag in dating?Subscribe for weekly episodes on love, money, mindset, and modern life.Survey: https://www.nerdwallet.com/article/finance/data-undateable-debt**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirrorIf you are in need of a Financial Coach, don’t waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/#DatingAdvice #MoneyTalks #LoveAndMoney #RelationshipAdvice #FinanceTips #RedFlags #GreenFlags #MillennialDating #GenZDating #ModernLove #PersonalFinance #DatingAndDebt #CouplesAndMoney #BudgetingTips #CreditCardDebt #FinancialFreedom #EmotionalIntelligence

Renting vs. buying a home in 2025—what's actually smarter for your finances? With housing prices still high, mortgage rates fluctuating, and rent increasing in most cities, the question of “Should I rent or buy?” has never been more important—or more confusing.In this episode, we break down the real math, the pros and cons, and the lifestyle questions you must answer before making a move. Whether you’re a first-time homebuyer, a long-time renter, or somewhere in between, this episode gives you the clarity you need—without the pressure.Here’s what we cover:Renting vs. buying in today’s marketWhy renting isn’t “throwing money away”When buying makes long-term financial senseReal-life cost breakdown of renting vs. buyingThe 5-point checklist to know if you're ready to buyRed flags to watch for before buying a homeHow to align your home decision with your financial goalsThinking about buying a house in 2025? Or just tired of rising rent? Enjoy this episode before making a move—your wallet will thank you.Got questions? Drop your situation in the comments and I might feature it in a future episode!**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirrorIf you are in need of a Financial Coach, don’t waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/#RentVsBuy #Renting2025 #BuyingAHome2025 #HomeBuyingTips #FirstTimeHomebuyer #ShouldIRentOrBuy #FinancialFreedom #PersonalFinanceTips #MoneyDecisions #RealEstateAdvice #SmartMoneyMoves #DebtFreeJourney #MillennialMoney #HousingMarket2025 #HomeownerGoals #BudgetingTips #MoneyMatters #RealEstate2025 #RentVsOwn #HomeBuyingMistakes #MortgageTips #ApartmentLiving #InvestInYourFuture #RealEstateInvesting #WealthBuilding

In this episode, we walk through the 7-question money quiz from FINRA's National Financial Capability Study — the test that reveals what most people don’t know about their own money.We’re not just going over the correct answers — we’re breaking down:o Why each question matterso How it affects your everyday money decisionso What core financial principle it reveals (like interest, inflation, debt, risk, or investing)o How to actually apply it in your real lifeTopics we cover:o Compound interest explained (for saving AND for debt)o How inflation destroys your savingso Mortgages: 15 vs. 30 yearso Bonds vs. interest rateso Diversifying investmentso Understanding risk & probabilitieso And more...Whether you’re just starting your financial journey or trying to level up your money knowledge, this episode is your free financial education starter kit.Subscribe to the channel for more empowering content on personal finance, investing, and self-improvement. Don't miss out on the opportunity to unlock your true financial potential and live a life of abundance. It's time to invest in yourself and create the future you deserve!Articles Referenced:- Quiz: ⁠https://money.com/adults-cant-pass-basic-money-quiz/?xid=applenews⁠- Compound Interest: ⁠https://www.investor.gov/financial-tools-calculators/calculators/compound-interest-calculator⁠- Bond Relationship: ⁠https://www.sec.gov/files/ib_interestraterisk.pdf⁠- 15-year vs 30-year Mortgage: ⁠https://www.bankrate.com/mortgages/15-vs-30-year-mortgage/#differences⁠Stock Returns:- SPY: ⁠https://finance.yahoo.com/quote/SPY⁠- INTC: ⁠https://finance.yahoo.com/quote/INTC⁠**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: ⁠https://www.thefinancialmirror.org/shop ⁠YouTube:⁠ https://www.youtube.com/@thefinancialmirror⁠Rumble: ⁠https://rumble.com/TheFinancialMirror⁠Facebook:⁠ https://www.facebook.com/thefinancialmirr0r⁠X:⁠ https://twitter.com/financialmirr0r⁠Instagram:⁠ https://www.instagram.com/thefinancialmirror/⁠Podcast:⁠ ⁠⁠https://creators.spotify.com/pod/show/thefinancialmirror⁠If you are in need of a Financial Coach, don’t waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at ⁠https://www.thefinancialmirror.org/⁠#FinancialLiteracy #PersonalFinance #MoneyTips #FinanceForBeginners #HowMoneyWorks #MoneyQuiz #FinancialEducation #CompoundInterest #DebtFreeJourney #InvestingBasics #FinancialIndependence #MoneyManagement #FinancialPlanning #WealthBuilding #SmartMoney #FinanceTips #MoneyGoals #MoneyMatters #FinanceHacks #FinancialWellness #FinancialIQ #MoneySmarts #TeachMeMoney #Finance101 #FinancialAwareness #MoneyEducation #LearnFinance #MoneySkills #FinancialSavvy #DebtAwareness #SaveMoney #PayOffDebt #EmergencyFund #HighYieldSavings #InvestSmart #BeginnerInvesting #PassiveIncome #RuleOf72 #WealthMindset

Trump’s new tax bill is here — and it’s being called the most sweeping tax reform since the 2017 Tax Cuts and Jobs Act. In this episode, we break down exactly what’s in the bill, how it affects your taxes, and what it could mean for your future.Whether you’re a middle-class family, small business owner, senior, or service industry worker, this episode gives you a clear and engaging walkthrough of the tax changes — from permanent tax cuts to MAGA accounts for kids, a bigger child tax credit, and tax-free overtime and tips. We’ll also cover the controversial cuts to Medicaid, SNAP, and EV tax credits, plus what might change in the Senate.This episode is designed to help you understand the real-world impact of the bill — the good, the bad, and the unknown. If you want to stay informed, avoid the spin, and make sense of how this legislation could affect your wallet, this is the episode you don’t want to miss.Topics include:o Extension of TCJA tax cutso No federal tax on tips and overtime payo MAGA accounts for children under 8o Increased standard and senior deductiono Child Tax Credit raised to $2,500o SALT deduction cap increasedo EV tax credit repealo Cuts to Medicaid, SNAP, and Planned Parenthoodo Estate and small business tax changeso What the Senate might changeMake sure to like, comment, and subscribe for more in-depth analysis of how policy changes affect you and your money.Articles Referenced: https://bipartisanpolicy.org/explainer/whats-in-the-2025-house-republican-tax-bill/**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirrorIf you are in need of a Financial Coach, don’t waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/#TrumpTaxBill2025 #TaxReform #MAGAAccounts #OneBigBeautifulBill #NoTaxOnTips #ChildTaxCredit #StandardDeduction #EstateTax #SmallBusinessRelief #EVTaxCredit #MedicaidCuts #SNAPReform #TaxPolicy #ConservativeFinance #USPolitics

Looking for smart, low-risk places to grow your money in 2025? In this episode, we explore the best safe investment strategies available today, including high-yield savings accounts, money market accounts, certificates of deposit (CDs), and U.S. I Bonds.o Learn the key differences between savings and investment optionso Understand how much you can earn with a $10,000 investmento Discover which accounts are liquid, flexible, and FDIC-insuredo See how to open each account and avoid penaltieso Compare real rates from trusted banks and platformso Make informed decisions about where to park your money nextIf you're trying to protect your principal but still earn a solid return, this episode is made for you. You'll get exact math, growth examples, and a strategy to match your financial goals with the right safe investment option.Subscribe to the channel for more empowering content on personal finance, investing, and self-improvement. Don't miss out on the opportunity to unlock your true financial potential and live a life of abundance. It's time to invest in yourself and create the future you deserve!Articles to Reference:https://www.treasurydirect.gov/savings-bonds/i-bonds/i-bonds-interest-rates/https://www.forbes.com/advisor/banking/cds/best-cd-rates/https://www.bankrate.com/banking/savings/best-high-yield-interests-savings-accounts/https://www.bankrate.com/banking/money-market/rates/**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirror#lowriskinvestments #bestinvestments2025 #safeinvesting #moneytips #cdrates #highyieldsavings #ibonds #moneymarketaccount #financialplanning #growyourmoney

Wondering how much you should be spending on food each month? Whether you’re living solo, part of a couple, or feeding a family, the answer can vary—and it’s easy to feel like you’re overspending (especially with food prices rising).In this episode, we break down realistic grocery budget guidelines based on household size, using USDA’s official food plans. You’ll learn how much the average single adult, couple, and family of four spends on groceries, how restaurant spending is affecting your budget, and how to actually set a grocery budget that works for your lifestyle and goals.We’ll cover:o USDA’s food budget guidelines for singles, couples, and families in 2025o Why grocery store food gives more value per dollar than eating outo The difference between thrifty, moderate, and liberal food planso Common overspending traps at the grocery store (and how to avoid them)o How to use the 50/30/20 rule to determine your grocery budgeto Real-world tips for lowering your food bill without sacrificing qualityPlus, we’ll help you figure out how to track your food spending, avoid waste, and keep those receipts from becoming your budget’s worst enemy.Subscribe to the channel for more empowering content on personal finance, investing, and self-improvement. Don't miss out on the opportunity to unlock your true financial potential and live a life of abundance. It's time to invest in yourself and create the future you deserve!Articles For Reading:https://money.usnews.com/money/personal-finance/spending/articles/how-much-should-i-spend-on-grocerieshttps://www.ramseysolutions.com/budgeting/average-cost-of-grocerieshttps://www.nerdwallet.com/article/finance/how-much-should-i-spend-on-groceries**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirrorIf you are in need of a Financial Coach, don’t waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/#budgetmeals #budgetfriendly #savemoney #frugalliving #mealplanning #groceryhaul #budgetlife #debtfreejourney #financialgoals #budgetingforbeginners #moneyhabits #costofliving #inflationtips #spendwisely #foodbudgeting #personalfinance #budgetingtips #groceriesvsdiningout #foodspending #financialliteracy

Credit card travel rewards sound like a dream—sign up, spend a few thousand dollars, and fly to your dream destination for “free.” But in 2025, is it still worth it?In this episode, we break down the real value of points and miles using up-to-date data from Bankrate. You’ll learn how these programs work, how much your rewards are actually worth, and when travel cards are a great tool—or a trap in disguise.We’ll cover: o The psychology of “free” travel offers o How much 50,000 miles are worth on different airlines (spoiler: it varies by $700+) o Why sign-up bonuses might cost you more than you think o The math behind redeeming points vs. paying cash o When using travel rewards makes financial sense o Red flags and myths to avoid in 2025 o Smarter strategies to earn travel rewards without overspendingThis episode is for anyone considering a Chase Sapphire, AmEx Platinum, or Capital One card—or trying to decide if “points” are still worth chasing.Subscribe to the channel for more empowering content on personal finance, investing, and self-improvement. Don't miss out on the opportunity to unlock your true financial potential and live a life of abundance. It's time to invest in yourself and create the future you deserve!Articles Referenced: https://www.bankrate.com/credit-cards/travel/points-and-miles-valuations/#hotel**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirrorIf you are in need of a Financial Coach, don’t waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/#creditcardtravel #travelhacks #pointsandmiles #financialliteracy #personalfinance #moneytips #creditcardrewards #smartspending

In this episode, we’re talking about the most common financial mistakes people make in their 20s—and how to avoid them without giving up your social life, travel plans, or daily joys.Your 20s are about finding yourself, building a career, and yes—living a little. But too often, that “live for today” mindset turns into debt, anxiety, and playing financial catch-up for decades.This isn’t a lecture. It’s a real conversation about the little habits, overlooked decisions, and money myths that can quietly wreck your financial future if you’re not careful.You’ll learn: o Why emotional spending and “I deserve this” habits are so dangerous o The truth about credit cards—and how they trap so many young adults o How to actually build an emergency fund (even on a small income) o The silent danger of lifestyle creep after you get that first raise o How waiting to invest costs you thousands in future wealth o Why you shouldn’t fixate on credit scores or take on debt to build them o Budgeting myths and how to track your spending without feeling restricted o How to make space for fun without breaking your budget or using creditWhether you’re in college, just landed your first job, or are trying to get your finances back on track, this episode gives you clear, realistic, and actionable advice to protect your future while still enjoying your present.Subscribe to the podcast and never miss a weekly dose of financial clarity, smart strategies, and honest conversations about money in your 20s and beyond.Get Started Investing: https://a.webull.com/NMiaGMlNOsgX8HcfjX**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirrorIf you are in need of a Financial Coach, don’t waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/#personalfinance #moneytips #financialfreedom #moneyinyour20s #budgetingtips #financialliteracy #howtosavemoney #investingforyoungadults #budgetingforbeginners #smartmoneyhabits #youngadultfinance #financialmistakes #millennialmoney #financialadvice #howtoinvest

Struggling to budget your money and stay consistent? In this episode, I explain the 50/30/20 budget rule — the easiest way to manage your finances and take control of your future, even if you are dealing with debt.You will learn how to divide your income into Needs, Wants, and Savings without getting overwhelmed by complex categories. I'll show you how to prioritize debt payoff within this system and how to adjust your spending if your debt payments stretch beyond your savings.If you've ever felt stressed or struggled to organize your finances, this episode will give you a simple, powerful framework you can actually use in real life.In this episode: o How the 50/30/20 budget rule works o How to easily identify a need, want, or saving o How to budget your money without overcomplicating it o How to prioritize debt payoff inside the 50/30/20 system o How to create a flexible budget that adapts with your lifeWhether you are just starting out with your personal finances or looking for a better, more sustainable system, the 50/30/20 rule is one of the most realistic approaches to long-term financial success.Make sure to subscribe for more personal finance episodes focused on simple budgeting, debt freedom, and building wealth without the overwhelm.Let’s build financial freedom the simple way.Article Referenced:https://www.investopedia.com/ask/answers/022916/what-502030-budget-rule.asp**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: ⁠https://www.thefinancialmirror.org/shop ⁠YouTube:⁠ https://www.youtube.com/@thefinancialmirror⁠Rumble: ⁠https://rumble.com/TheFinancialMirror⁠Facebook:⁠ https://www.facebook.com/thefinancialmirr0r⁠X:⁠ https://twitter.com/financialmirr0r⁠Instagram:⁠ https://www.instagram.com/thefinancialmirror/⁠Podcast:⁠ ⁠⁠https://creators.spotify.com/pod/show/thefinancialmirror⁠If you are in need of a Financial Coach, don’t waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at ⁠https://www.thefinancialmirror.org/⁠#503020budgetrule #budgetingforbeginners #howtobudgetmoney #personalfinance #simplebudgeting #debtpayoff #budgetingtips #moneymanagement #financialfreedom #savingmoney #budgetingtosave #debtfreejourney #budgetplanning #budgetyourmoney #budgetingtips2025