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Showing episodes and shows of
Lauren Larios And Nick Loera
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Just Another Money Podcast
038: How She Paid Off $52k of Debt
Think you need a six-figure income to pay off debt? Think again. In this week’s episode, Lauren walks through how she paid off over $50,000 in debt — without a huge salary or financial shortcuts. From the strategies that kept her focused to the mindset shifts that made it possible, this episode is packed with practical tips for building a debt-free life (even on an average income).0:00 – Intro1:05 – Should you quit your job while in a relationship with someone in debt?3:40 – Why debt should be part of th...
2025-07-29
49 min
Just Another Money Podcast
037: Why Your Money Mindset Is Holding You Back
Is your job the "safe" option? Think again. In this week's episode, Lauren and Nick are joined by Dr. Ray Gorman to unpack the mindset shifts that unlock income growth and financial freedom. From breaking old money beliefs to understanding the real cost of staying in your comfort zone, this episode is a must-watch for anyone thinking about entrepreneurship or simply wanting more from their career.0:00 - Intro1:12 - Ray’s journey from burnt-out PT to business owner5:45 - Trading time for money vs. de...
2025-07-22
53 min
Just Another Money Podcast
036: The Real Reason You’re Living Paycheck to Paycheck
Ever wonder why your monthly expenses feel so high—even if you're making decent money? In this week’s episode, Lauren and Nick break down the real reason you might be overspending without realizing it.0:00 – Welcome back to the show2:05 – The $5,000/month Uber driver story7:24 – Tip 1: Track your spending12:28 – Tip 2: Audit and cancel subscriptions19:52 – Tip 3: Set limits on high-spend categories27:21 – Tip 4: Avoid new debt33:28 – Tip 5: Anchor your...
2025-07-15
41 min
Just Another Money Podcast
035: These People WRECKED Their Finances... Here's how to Fix It
Ever feel like you wrecked your finances? In this week's episode, Lauren and Nick are breaking down financial disasters (and how to fix them)!0:00 - Intro0:39 - Why do people do this?4:40 - Financially ruined at 3013:04 - Real estate investing wrecked his finances 20:33 - $23,000 down the drain29:50 - Finally waking up for the first time–––––––Sign up for 1:1 Financial Coaching here:
2025-07-08
40 min
Just Another Money Podcast
034: How to Buy Your First Home with Stacie Rihl
How do you know when you're ready to buy a home? In this week's episode, Lauren and Nick are joined by Stacie Rihl, a first-time homebuyer expert who's helped over 16,000 people learn the buying process!–––––––How to get in contact with Stacie Rihl: https://stacierihl.com–––––––0:00 - Intro1:04 - Who is Stacie Rihl?5:16 - Biggest misconceptions homebuyers have11:20 - How much can I afford on a monthly basis?
2025-07-01
47 min
Just Another Money Podcast
033: "I'm 55 With No Savings and No Retirement––I'm Terrified"
What was the last money decision you made that you completely regret? In this week's episode, Lauren and Nick are getting into some of the internet's biggest financial regrets.0:00 - Intro3:42 - What's the biggest money mistake you've ever made9:27 - She's 55 with nothing saved!19:16 - She's tired of financially supporting in-laws26:01 - She thought she could ignore her loans...34:45 - He couldn't outgamble his losses
2025-06-24
43 min
Just Another Money Podcast
032: Psychologist Explains Why You Suck With Money
Are your finances wrecking your mental health? In this week's episode, Lauren and Nick are joined by Dr. Shereen Mohsen, a licensed clinical psychologist, who breaks down the mental health side of money management.–––––––How to get in contact with Dr. Shereen Mohsen: https://relucentpg.com–––––––0:00 - Intro1:11 - Who is Dr. Shereen Mohsen?5:16 - Cycle of Negative Reinforcement 16:50 - Childhood and Money25:37 - Money...
2025-06-17
1h 08
Just Another Money Podcast
031: Reacting to Crazy Money Stories
Gambling addictions, free cars, and trying to hide from credit card debt… In this week's episode, Lauren and Nick are breaking down some of the internet's wildest money stories!0:00 - Intro3:50 - Draining your savings to pay off debt7:11 - Should I empty my retirement to buy a home?10:43 - Can I just not pay my debt?17:15 - I maxed out my credit cards gambling24:25 - My bank screwed me...
2025-06-10
45 min
Just Another Money Podcast
030: 3 Steps to Actually Get Out of Debt
Stuck with your debt payoff journey? In this week's episode, Lauren and Nick are breaking down 3 of their best tips for ACTUALLY getting out of debt!0:00 - Intro1:23 - Before you start paying off debt...2:20 - Stop accumulating debt8:16 - Pick a strategy and stick with it12:12 - Where people get stuck with debt17:15 - Is the debt snowball better?19:28 - Create a payoff...
2025-06-03
31 min
Just Another Money Podcast
029: The 4 Types of Money Accounts You NEED to Have
What's worse––having too many money accounts... Or not enough? In this week's episode, Lauren and Nick are breaking down the 4 types of money accounts you need to have to win with your finances!0:00 - Intro0:48 - Is insurance a scam?4:48 - Cash Accounts7:56 - Do credit cards count as a Cash Account?14:51 - Savings Accounts24:25 - Separating your different Savings Accounts26:48 - Retirement Acco...
2025-05-27
40 min
Just Another Money Podcast
028: The KEY to Transforming Your Finances
How can you transform your finances in just 90 days? In this week's episode, Lauren and Nick are breaking down some of their best tips to change the way you handle money.0:00 - Intro2:45 - You need to have a clear goal6:31 - Understanding your cash flow14:46 - Creating a system for your money22:51 - Getting one month ahead with your money28:50 - Making a plan to get out of...
2025-05-20
44 min
Just Another Money Podcast
027: How to Take Your Money from GOOD to GREAT
You feel good with your money... so what's next? In this week's episode, Lauren and Nick are breaking down how you can go from good to great with your finances.0:00 - Intro0:42 - Lauren found $5k2:33 - Nick bought a house6:29 - How can you level up your finances?12:02 - Shifting from intensity to intentionality24:16 - Discipline vs strategy30:48 - What can you do...
2025-05-13
52 min
Just Another Money Podcast
026: How to Put Your Finances in Survival Mode
What do you do when your budget’s been completely blown, you're stuck in survival mode, and there’s nothing left to cut? In this week's episode, Lauren and Nick break down how quickly your finances can spiral when you're not living financially healthy (and what you can do about it).0:00 - Intro0:47 - When everything goes to sh!t4:12 - Does paycheck to paycheck always mean broke?12:38 - What to do when you're laid off
2025-05-06
52 min
Just Another Money Podcast
025: Dealing With Crushing Debt and Money Anxiety
How are people ending up in thousands of dollars of debt–––and what can you do when it finally feels like there’s no way out? In this week's episode, Lauren and Nick are talking all things DEBT–––from believing credit cards are fake to the crushing debt and anxiety debt causes. 0:00 - Intro 0:52 - Lauren's tax surprise4:40 - Are American's prepared for a large unexpected bill11:07 - Credit cards are fake20:20 - This debt is killing...
2025-04-29
1h 03
Just Another Money Podcast
024: Overspending, Bad Decisions, and Toxic Money
Whether it was a risky financial decision or trusting someone and it completely backfired, we’ve all dealt with toxic money (and toxic people!)–––but the real question is, what can you do to avoid it in the future? In this week's episode, Lauren and Nick are talking about toxic money and toxic people! 00:00 - Intro1:07 - Never buy a home with someone you aren't married to13:46 - How do I explain to my wife that we're poor22:01 - I'm just...
2025-04-22
1h 05
Just Another Money Podcast
023: The Market Is Tanking – Here's How to Prepare
Trillions of dollars have been wiped from the market, economists are warning of a recession, and President Trump’s tariffs have the world on edge–––but the real question is: why do people think this time is different and what should you actually do about it? In this week's episode, Lauren and Nick are breaking down why the market is going wild, what you should (and shouldn't) be doing with your money, and how to prepare.00:00 - Intro01:26 - Should I cash out my investments?07:19...
2025-04-15
57 min
Just Another Money Podcast
022: Does the Economy Suck... Or Do You?
Does the economy suck... or do you? In this week's episode, Lauren and Nick are diving into bad financial decisions, overspending, and the right money habits to fix it all! 0:53 - There's no excuses at this point7:24 - How can we break the cycle and finally get ahead?11:57 - You have to take control of your finances15:45 - Is debt consolidation worth it?24:28 - How do I cope with intense regret from financial mistakes?
2025-04-08
59 min
Just Another Money Podcast
021: Is Being Frugal ACTUALLY Saving You Money?
Is being frugal actually helping you, or is it just making your life harder? And what can you do to make a real difference with your finances? In this week's episode, Lauren and Nick break down the right (and wrong) ways to be frugal!0:44 - Is being frugal worth it?9:56 - Should you spend more just because you can afford to15:11 - Where NOT to be frugal20:35 - Where can people cut back with their spending?
2025-04-01
51 min
Just Another Money Podcast
020: Why You're Struggling With Money–It's Not Just Inflation
Why is the world so expensive now and what should you be doing to manage your money better? In this week's episode, Lauren and Nick are breaking down the rising cost of existing in today's world and how you can start getting ahead!0:55 - The price of eggs are INSANE5:00 - Where have you seen dramatic rise in costs? 10:15 - Should I be Increasing my budget with inflation?15:13 - Inflation vs lifestyle creep21:52 - H...
2025-03-25
56 min
Just Another Money Podcast
019: Building Wealth After Debt
You've just paid off all your debt...so what's next? In this week's episode, Lauren and Nick are breaking down how you can start building wealth after you've gotten out of debt. 0:52 - How much do you have in your savings account?6:08 - I'm 30 and starting from $0, what should I do next?12:50 - I'm debt free, what's next?19:47 - I'm trying to get my money organized, what accounts do I need?27:32 - Why is i...
2025-03-18
56 min
Just Another Money Podcast
018: How Do I Escape living Paycheck to Paycheck?!
How do you escape living paycheck to paycheck? In this week's episode, Lauren and Nick are breaking some of their best tips for sticking to a budget!1:22 - How much do you keep in your checking account?5:13 - How can I escape living paycheck to paycheck?10:44 - I can't follow a budget to save my life!19:58 - How do you get your family on a budget they'll stick to?!27:05 - How do we budget...
2025-03-11
54 min
Just Another Money Podcast
017: Finance It or Pay Cash? The Smart Way to Make Big Purchases
Should I finance it or pay cash? In this week's episode, Lauren and Nick are breaking the SMART way to make some of life's largest purchases. From financing new vehicles to funding college education, we break down mistakes to avoid when making big financial decision. 1:38 - Feeling overwhelmed by my debt and don't know where to start7:20 - Should I finance a car or buy it in cash?6:17 - How did you save for your wedding?29:03 - Should I r...
2025-03-04
59 min
Just Another Money Podcast
016: Are You Financially Ready to Buy a Home? We Break It Down
Are you financially ready to buy a home? In this week's episode, Lauren and Nick are breaking all things homeownership - from how to know you're ready to buy to homeowner nightmares!1:13 - Is owning ALWAYS better than renting?5:40 - When do you know you're financially ready to buy a home?12:06 - My new home is a NIGHTMARE, please help!19:41 - How much house can we really afford?29:19 - Can someone explain buying a...
2025-02-25
53 min
Just Another Money Podcast
015: Savings Buckets, Emergency Funds & Retirement––Are You Saving Smarter?
Is your money working hard enough? In this week's episode, Lauren and Nick are breaking all things savings––savings buckets, emergency funds, and even retirement. Are you actually saving smarter or just making things harder for yourself? 1:38 - What savings buckets should we have and what % to put in each?7:53 - How big is your emergency fund?14:26 - How much should I be saving for retirement?23:28 - What do you do with your money after all your savings goals are m...
2025-02-18
47 min
Just Another Money Podcast
014: How To Use Credit Cards The RIGHT Way
Is the credit card game really worth it? In this week's episode, Lauren and Nick are breaking down the RIGHT way to use credit cards––from when to pay them off to building credit the smart way. 1:05 - How Much Credit Card Debt do US Consumers Have? 3:14 - "Why do people think you need to carry a balance to build credit?" 6:48 - "Can anyone tell me the proper way of using a credit card?" 15:10 - "How do I go abou...
2025-02-11
46 min
Just Another Money Podcast
013: Girl Math, Side Hustles & Bad Decisions - We React
Is Girl Math real... or just an excuse? In this week's episode, Lauren and Nick break down some of the wildest personal finance takes we could find on the internet––from girl math to crazy side hustles, this episode gets spicy! 1:21 - "Where do I go from here?" 6:56 - Breaking Down Girl Math 12:17 - The Potato Famine 13:50 - Extreme Frugality on Reddit 25:49 - The Dark Side of Gambling Addictions 36:06 - Is...
2025-02-04
51 min
Just Another Money Podcast
012: "Am I Financially Ready to Invest?"
Are you FINANCIALLY ready to invest? In this week's episode, Lauren and Nick are breaking down all things investing–when you're ready and how to start! 0:58 - Lauren and Nick share some exciting updates! 2:56 - "Am I financially ready to invest?" 9:29 - "What's the best advice you have for someone starting to invest?" 20:06 - "Where should I start my retirement investing?" 26:49 - "Where do I start investing?" 33:34 - "How do...
2025-02-01
46 min
Just Another Money Podcast
011: "I Hid $100k Of Debt From My Wife–How Do I Tell Her?
If you hid $100k of debt from your partner, how would you tell them? In this week's episode, Lauren and Nick are diving into all things debt payoff! From secret debt to piling up tens of thoudands on credit cards, this episode gets spicy! 1:24 - "Looking for outside advice on buying a home" 9:23 - "I'm in a scary amount of debt!" 17:06 - "Is it better to save or pay off debt?" 24:14 - "I hid $100k of debt from my...
2025-01-21
57 min
Just Another Money Podcast
010: "My Husband Is Financially Abusing Me! Help!"
What would you do if your brother stole $10,000 from your parents? In this week's episode, Lauren and Nick dive into toxic money situations from abusive husbands to shady friends! 1:22 - "How do I prepare to lose more than half my income?" 4:43 - "AITA for asking my boyfriend to pay me back?" 11:35 - "My husband has been hiding money from me!" 19:25 - "AITA for being upset about my brother stealing $10k from my family?" 26:34 - "...
2025-01-14
54 min
Just Another Money Podcast
009: "I'm 50 With $0 Saved! Where Do I Start?"
How would you build wealth if you were starting from $0? In this week's episode, Lauren and Nick are breaking down how to use the Financial Roadmap to jumpstart your finances. 1:15 - 8 Step Financial Roadmap 1:56 - "How am I supposed to pay for my children's college?" 10:47 - "Where do I start with my finances?" 17:23 - "I'm starting from $0 at age 50, where do I begin?" 27:44 - "I want to buy my first house, but is it...
2025-01-07
55 min
Just Another Money Podcast
008: The Financial Roadmap
Do you have a PLAN for your finances? In this week's episode, Lauren and Nick are breaking down the Financial Roadmap––their 8-step plan for taking control of your money and building wealth. 1:11 - 8 Step Financial Roadmap 3:01 - "Help! I'm starting from zero" 4:31 - Step 1: Get Clear On Your Finances 6:08 - Step 2: Build Up Starter EF 8:23 - Step 3: Invest Up To Employer Match 13:16 - Step 4: Pay Off High-Interest Debt Early...
2025-01-02
28 min
Just Another Money Podcast
007: "Credit Cards Are For Emergencies!"
96% of Americans believe at least one of these financial myth––are you one of them? In this week's episode, Lauren and Nick are breaking down 6 of the most common misconceptions around money that could be holding back your finances! 00:56 - 96% of Americans believe at least one money myth 4:35 - Myth: Credit cards are for emergencies 14:37 - Myth: I'm young, I don't need to be saving for retirement yet 21:34 - Myth: Renting is throwing away money 29...
2024-12-17
51 min
Just Another Money Podcast
006: "I'm 40 With Nothing Saved! Is It Too Late For Me?"
77% of Americans have financial regrets––are you one of them? In this week's episode, Lauren and Nick discuss American's biggest financial regrets and how to deal with them. 0:58 - 77% of Americans have financial regrets 1:20 - Lauren and Nick's biggest financial regrets 5:56 - "I'm 40 with nothing saved and zero retirement! Is it too late for me?" 14:27 - "It's just hitting me that loans are going back into repayment and I feel trapped. I regret college." 25:53 - "I...
2024-12-10
49 min
Just Another Money Podcast
005: "Are People Delusional About Christmas Spending?"
Are American's delusional about Holiday spending? In this week's episode, Lauren and Nick discuss spending around the holidays and other special occasions. 0:54 - 46% of Americans are still paying off debt from last holiday season 3:20 - What time of year is the most stressful on your finances? 5:46 - "How do I explain to my family that I can't afford Christmas gifts?" 8:59 - "I can't afford to attend my best friends wedding and she is PISSED!" 13:00...
2024-12-03
41 min
Just Another Money Podcast
004: "My Budget Never Works! How Do I Stick With It?"
Why is it so difficult to stay on budget? In this week's episode, Lauren and Nick cover their number one budgeting tips to stay on track. 1:00 - Lauren and Nick's number 1 budgeting tips 3:09 - "Why is it so difficult to keep a budget?" 9:12 - "My income dropped significantly and I need major help!" 15:04 - "How do you organize your budget?" 18:59 - "How should I budget my $75k per year salary?" 22...
2024-11-26
35 min
Just Another Money Podcast
003: "I Can't Save Money No Matter How Hard I Try!"
How much of your income should you really be saving? In this week's episode, Lauren and Nick discuss all things savings!0:55 - The savings goals that Lauren and Nick are each working towards3:40 - "What type of savings account should I put my money in?"9:38 - "I feel like we're not making any progress"14:20 - "Can you explain a sinking fund, when it's worth it and how it helps?"17:36 - "Why do some people...
2024-11-19
41 min
Just Another Money Podcast
002: "My Husband Has Been Lying To Me!"
Is it wrong to keep your finances hidden from your spouse? In this week's episode, Lauren and Nick discuss marriage, money and financial infidelity.0:50 - How Lauren and Nick approach finances in their own marriages7:06 - "My husband is not interested in combining finances"11:18 - "How soon into dating do you discuss finances"17:08 - "My husband has been lying to me about our finances and we are screwed"27:33 - "Should I end things with...
2024-11-12
50 min
Just Another Money Podcast
001: "This Credit Card Debt is Killing Me!"
Would you pull from your 401k to pay off debt? In this week's episode, Lauren and Nick discuss paying off credit card debt and the traps to avoid. 0:35 - Who we are and why we started this podcast6:07 - "I'm $20k in CC debt making $2,500/mo"13:37 - "We're living paycheck to paychek, please help"20:20 - "Should I take out a loan to pay off debt?"24:00 - "Withdrawing from a 401k to become debt free"
2024-11-05
30 min
Just Another Money Podcast
Who We Are
2024-10-28
00 min