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rich & REGULAR with Kiersten and Julien Saunders

rich & REGULAR

225 episodes

21 hours ago

Groceries in 2025? Whew. Let’s just say…it ain’t pretty. Prices are still climbing, shrinkflation is in full effect, and Americans are still wasting almost 40% of the food we buy. Add tariffs and supply chain pressures on top, and it feels like we’re paying more, getting less, and throwing too much of it away. The good news is you don’t have to stay stuck in the cycle. In this episode, we’re breaking down 4 real-world strategies to fight back against rising grocery bills without sacrificing f...

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Groceries in 2025? Whew. Let’s just say…it ain’t pretty. Prices are still climbing, shrinkflation is in full effect, and Americans are still wasting almost 40% of the food we buy. Add tariffs and supply chain pressures on top, and it feels like we’re paying more, getting less, and throwing too much of it away. The good news is you don’t have to stay stuck in the cycle. In this episode, we’re breaking down 4 real-world strategies to fight back against rising grocery bills without sacrificing f...

Show more...

Episodes (20/225)

rich & REGULAR with Kiersten and Julien Saunders

Ep 221: How to know if your car is costing too much

A lot of people are feeling financially squeezed right now, and they’re blaming everything except their car. Transportation is one of the top three household expenses. Between longer loans, higher interest rates, pricier insurance, and cars that lose value faster than ever, owning a car has gotten way more expensive in the last few years. And yet most of us still treat the car note like it’s untouchable…like it just is what it is. In this episode, we break down what’s really changed abo...

2 days ago

34 minutes

rich & REGULAR with Kiersten and Julien Saunders

Ep 220: How to give yourself a raise without changing jobs

We all want a raise, but what if you didn’t have to wait for your boss to give you one? In this episode, we’re breaking down how to actually give yourself a raise without changing jobs, negotiating with HR, or picking up a side hustle. From canceling forgotten subscriptions to rethinking professional services, we're exposing the cash leaks hiding in plain sight and showing you how to reclaim money that's already yours. If you’re looking for a 2025 mid-year financial review project that will h...

1 week ago

37 minutes

rich & REGULAR with Kiersten and Julien Saunders

Ep 219: What our book 'Cashing Out' still gets right 3 years later…

When we published our book Cashing Out in 2022, we knew we were making bold claims about work, money, and freedom. What we didn’t know was just how fast the world would catch up to them. In this episode, we revisit our book 3 years after its release to reflect on the stories, predictions, and uncomfortable truths that still hold up in 2025. We also share what we’ve learned since, and why the book continues to resonate with people across different industries, life stages, and income levels. Yo...

2 weeks ago

36 minutes

rich & REGULAR with Kiersten and Julien Saunders

Ep 218: What to do with your money when the world feels unstable

This week’s episode is a rare one that we recorded the same day it’s released, because… well, life is happening fast. After taking a much-needed break, we returned to headlines that changed the tone of the summer and the temperature of the market. In this episode, we’re talking about how to manage your investments during times of global instability and uncertainty. This isn’t advice or hype, it’s our perspective, grounded in history, patterns, and what actually works. We’re not here to guess ...

3 weeks ago

34 minutes

rich & REGULAR with Kiersten and Julien Saunders

Ep 217: The $40 Billion Hobby | How to Stop Overspending on Youth Sports

Youth sports are not just sports anymore. They’re a $40 billion+ industry and in this episode, we’re getting all the way into it. We’re talking about the emotional pressure, the social expectations, the team group chats, the $75 photo packages that somehow still exist in 2025, and why nobody tells you the signup fee is just the beginning. Whether you're new to the world of cleats and concession stands or already halfway through a season with three backup uniforms and a mini mortgage in ...

1 month ago

40 minutes

rich & REGULAR with Kiersten and Julien Saunders

Ep 216: 3 questions to ask before you quit your job (that have nothing to do with money)

In this episode, we’re talking about how to know when it’s REALLY time to go. Not when your manager makes it unbearable, not when the reorg finally hits, but when YOU decide that staying is costing more than it’s worth. We break down the three questions that have helped us walk away from “good” jobs and build a better life on the other side. We talk about what your job is teaching you (even when you’re not paying attention), how to tell if you have any say in your future there, and why asking...

1 month ago

43 minutes

rich & REGULAR with Kiersten and Julien Saunders

Ep 215: The 3 spending personalities and how to budget with yours

Most money advice assumes you’re either bad at math or just need more discipline, but what if the real reason your budget isn’t working is because it was never designed for how you actually spend? In this episode, we revisit a section from our book Cashing Out that recently got new life thanks to a great piece written by our friend Leo Aquino for Business Insider. It’s all about the three emotional spending profiles we’ve seen over and over again: Fast Spenders, Financially Insecure, and what...

1 month ago

49 minutes

rich & REGULAR with Kiersten and Julien Saunders

Ep 214: Get paid to learn: Our advice for the Class of 2025

Every year, we set aside an episode just for new grads, and this year’s version is an evolved view of last year’s advice to “Get Paid”. Because let’s keep it a buck, the Class of 2025 is graduating into a mess. The job market is weird, AI is replacing entry-level work, internships aren’t converting, and employers say they’re hiring, but for what? Meanwhile, everything is expensive and everyone online is yelling about branding yourself by Tuesday. So in this episode, we’re flipping the script ...

1 month ago

43 minutes

rich & REGULAR with Kiersten and Julien Saunders

Ep 213: How to make extra money without starting a side hustle

Sometimes you need a little extra money, but what you don’t need is another boss, a second shift, or a business plan you’ll never finish. In this episode, we’re walking through some of the most overlooked ways to earn extra income. Everything from plasma donation, junk hauling, voiceovers, waiting in line, and a few others I can’t put in the description without attracting a bunch of bots. We’re challenging the idea that income only comes from jobs. We talk about the emotional (and somet...

2 months ago

40 minutes

rich & REGULAR with Kiersten and Julien Saunders

Ep 212: If you’ve ever worked for yourself (or dreamed about it), hit play

This week’s episode is about decision-making and how to know what’s actually worth it when you work for yourself. We recorded this right after speaking at a conference in Jamaica where we walked through some of our own real-life crossroads as business owners with a group of entrepreneurs. The talk resonated so deeply, the only feedback we got was: “Can you just put this all on one page?” This is our answer to that. We’re talking about those high-stakes, low-certainty moments every entrepreneu...

2 months ago

42 minutes

rich & REGULAR with Kiersten and Julien Saunders

Ep 211: What tariffs teach us about Financial Literacy

It's the last Monday of Financial Literacy Month 2025, and unless you’ve been living under a rock or blissfully disconnected, you’ve probably heard the noise about tariffs lately. U.S. tariffs on Chinese imports are climbing as high as 145%, with threats to go even higher. And while it’s tempting to think that’s a political issue, the truth is tariffs effect your wallet and budget. In this episode, we’re breaking down what tariffs actually are, how they distort prices, and why understan...

2 months ago

40 minutes

rich & REGULAR with Kiersten and Julien Saunders

Ep 210: Everything you were never taught about bankruptcy

This week, we’re breaking down bankruptcy in the way it should’ve been explained all along: without shame, without legal jargon, and without the “womp womp” energy we’ve all been taught to bring to it. You’ve probably heard of Chapter 7. Maybe even Chapter 13. But unless you’ve filed for bankruptcy, or know someone who has, you’ve likely never learned what it actually means. We kick things off with the viral rise of the “debt strike” trend on TikTok and Instagram, where people are publicly de...

2 months ago

42 minutes

rich & REGULAR with Kiersten and Julien Saunders

Ep 209: Getting paid to move? Is moving two states over the new expat life?

What if we told you there are cities in the U.S. that will pay you to live there? In this episode, we're following up on our popular expat conversation with a deep dive into domestic relocation incentives. We’re talking cash grants, down payment assistance, tax breaks, bikes, and even golf memberships offered by places you may have never considered calling home. Think Jackson, Michigan. Pawnee City, Nebraska. Topeka, Kansas. Tulsa, Oklahoma. Yes, they’re real places, and they’re putting real ...

3 months ago

37 minutes

rich & REGULAR with Kiersten and Julien Saunders

Ep 208: Van Life and why living in a car still freaks people out

Most people aren’t neutral about the idea of living in a car, and that’s exactly why we needed to talk about it. This week, we dig into the stigma, structure, and stories behind van life. It’s not a guide on how to gut a Sprinter or stealth-camp in a Target parking lot, it’s a deeper exploration of what it means to live differently and why that still freaks people out. From the viral story of Dawn Robinson of En Vogue (yes, *that* Dawn) who shared that she’s been living in her car by choice f...

3 months ago

41 minutes

rich & REGULAR with Kiersten and Julien Saunders

Ep 207: 3 practical tips for couples living on one income right now

This week, we’re sharing 3 of our best tips on how to live on a single income. It's a topic that might feel distant, perhaps even undesirable, but for many, it's becoming an increasingly relevant concern. We've lived the single-income life by choice and by circumstance. It's not always pretty, but it can be done. And sometimes, being forced to tighten your belt is the exact kick in the pants you need to get your financial house in order. Whether you choose to live on one income as some kind o...

3 months ago

47 minutes

rich & REGULAR with Kiersten and Julien Saunders

Ep 206: Introducing Taste the Impact | Our new mini-doc about food, money, and the future

Links: Watch the 90-second trailer of Taste the Impact Watch the full-length "Taste the Impact" mini-doc nowRegister for the Shifting Wealth, Shaping Futures info session on March 26th Become a member of Invest for Better (it’s free!)This week’s episode is about something personal, political, and, up until recently, way too overlooked: food. We spend a lot of time talking about food, but not nearly enough time talking about how it shows up in our kitchens, grocery carts, or di...

3 months ago

38 minutes

rich & REGULAR with Kiersten and Julien Saunders

Ep 205: Expat life - How to test the waters and decide if you should dive in

This week, we dive headfirst into the very timely topic of expating. Is it just a fantasy fueled by tough times or is there something deeper driving this urge to GTFO? In this episode, we're exploring the layers of this question. We break down the different flavors of expating, from slow travel hacks that let you vibe abroad for a few months with zero paperwork (hello, Schengen Zone!) to the allure of Digital Nomad Visas for those of us who can work from anywhere with Wi-Fi and a decent...

4 months ago

48 minutes

rich & REGULAR with Kiersten and Julien Saunders

Ep 204: Women’s History Month 2025 | Celebrating wins and fighting for more

Join a Shifting Wealth, Shaping Futures Circle today: https://investforbetter.org/swsf/ Not quite ready for a circle? Sign up for a free membership with Invest for Better: https://investforbetter.org/membership/Get your ticket to the Northeast FI Camp Women's Weekend: https://khbfinancial.com/northeastficamps/ For information about future, co-ed events, sign up for their email list: https://eastcoastfi.kit.com/adab4cc93cFor most of history, women weren’t just left out of wealth-building...

4 months ago

40 minutes

rich & REGULAR with Kiersten and Julien Saunders

Ep 203: Gen Z isn't the problem...Traditional financial advice is

Are you scratching your head trying to understand Gen Z's approach to…life? You're not alone! This week, we’re exploring the fascinating and sometimes frustrating world of Gen Z finances, why traditional financial advice often misses the mark with this generation, and what actually resonates with them. Every generation thinks they had it hard. And to be fair, most of them did. But Gen Z? They’re becoming adults in a world that looks nothing like the one we grew up in. Between AI disrupting en...

4 months ago

46 minutes

rich & REGULAR with Kiersten and Julien Saunders

Ep 202: Shareholders are rewriting the playbook for social change

This week, we’re talking about impact investing, which if we’re being honest, is a phrase we used to think was reserved for people who call their parents by their first names. Turns out, it’s one of the closest things we have to financial resistance (with receipts!). This episode drops on the last Monday of Black History Month 2025, a month that, for once, felt less performative. Not because there wasn’t Black history being made, there was, just like there is every day of the year…but because...

4 months ago

43 minutes