In this episode, Nikita & Katherine Chatmon (3rd Decade Volunteer Mentor), discuss how a scarcity mindset & trauma around money impact our financial beliefs, progress, and wellbeing. This discussion includes: how it shows up, root causes, and ways to heal/rewrite your money script. Resources: "Money Story" worksheet downloadFinancial Archetype Quiz

In this episode, Nikita & Katherine Chatmon (3rd Decade Volunteer Mentor), discuss lifestyle creep. We all experience some amount of this as our income rises, but this episode covers: personal examples, how to recognize when it's happening, why it matters, prevention techniques, and ways to manage it. Resources: Avoiding Lifestyle Creep (Presentation by Kohler Credit Union)NerdWallet – What Is Lifestyle Creep and How Can You Avoid It?Book: Your Money or Your Life by Vicki ...

In this Episode, Nikita welcomes Co-founder & CEO of Waterlily, Lily Vittayarukskul, on to discuss the need for Long-Term Care Planning. Lily's professional path was redirected after she experienced first-hand the financial and familial stress that long-term care costs put on her family when her family member became ill. In this episode, they discuss what average costs are for care, what types of care may be needed in old age, why it matters, and ways to plan for its potential financial i...

Nikita is joined by Adam Van Deusen (Volunteer Mentor & CFP®) for a discussion on the steps you can take for a higher credit score. Furthermore, this episode covers: What a credit score isWhat makes up a credit scoreAccessing credit reportsMyths Resources: Annual Credit ReportFICO

Nikita is joined by Adam Van Deusen (Volunteer Mentor & CFP®) for a discussion on how a person can make money on credit cards and dip their toes into the world of "travel hacking". Furthermore, this episode covers: Who is a good candidate for these strategiesTypes of credit card rewardsCategories of spendingSign-up bonusesWhen/if to cancel or downgradePremium cardsTravel perks beyond free flightsPitfalls to avoid Resources: Frequent Miler BlogSkyscannerPointsYeah

Nikita & Joe'Mar discuss the importance of solid financial planning when it comes to having or starting a family. Each brings their own perspective (Nikita: inviting 2 new members for the first time; Joe'Mar: having 2 older children). In this episode, they discuss: Short & long-term goal settingValues-based budgetingTracking income & expenses, and adjusting when neededDifferent levels of mixed financesReducing & avoiding debtBuilding an appropriately sized emergency fundHealth...

Nikita & Joe'Mar demystify life insurance by discussing what type of policies are out there, as well as which policies to avoid. Furthermore, this episode covers: What factors affect your premiumsHow to find a good insurance companyCalculating the amount needed for a policy Resources: Life Insurance Calculator (Spreadsheet) Life Insurance Calculator (Bankrate Online Calculator) Life Insurance Policy Comparison Insurance Company Ratings 3rdDecade.org

In this solo episode, Nikita covers the basics of stocks & bonds; how they are traded & the relative risks associated with investing in them. If you already understand the basics of investing, consider sharing this podcast with a friend or family member who could use a little primer.

Join Nikita for a conversation with Diana, the founder of All The Colors. Diana is a CFP© and Registered Life Planner™, and uses her personal values to drive her work as a money coach to financially empower others, with a particular focus on supporting women of color who are entrepreneurs.

Join Nikita for a conversation with 3rd Decade Alumni, Kyle Mittan, on a discussion around his history with budgeting (or lack thereof) and how he became the diligent budgeter that he is today. We hope if you've been procrastinating on using a budget that this episode inspires you to get started. Some resources if you're interested in YNAB include: YNAB's YouTube ChannelThe "Get Started" PlaylistTheir Guide to Using YNAB on a Bi-Monthly Pay ScheduleTheir Guide on Sinking FundsTheir Gui...

Join 3rd Decade Alumni, Rose (she/her) & Nikita (she/her) for a heartfelt conversation around the positive impact that budgeting has had in Rose's life. As a former "checking-balance-budgeter", Rose shares how building this habit into her life has actually allowed her to think less about money, and has also enabled her to support the causes near to her heart and create a meaningful impact. For anyone interested in connecting with Rose, you can do so here.

In today's episode, Nikita speaks with Mary Cantor & Jacob Wingate, two of 3rd Decade's Alumni, on the financial transitions that come with marriage. Merging two adult's financial lives can be a significant challenge in a new marriage. Mary and Jacob share openly about their individual financial upbringings, how that impacted their relationship with money in adulthood, and ultimately what they've done to come together to form a healthy relationship around shared finances that honors their...

3rd Decade Alum, Sarah Ventre, shares in detail how she hustled her way through unpaid internships & temp jobs in her 20s and ultimately built herself a successful career in the audio journalism and production industry. If you need inspiration or someone to relate to if you're currently walking that path, look no further. To find more of her work, you can visit her website at sarahventre.com

Join Nikita & Nina as they discuss the many factors to consider when determining what car to buy (and whether to seek a new or used car). When making a purchase, it's essential to weigh the pros and cons of both options to ensure that you make the right decision for your needs and budget. We'll give you some guidelines to determine what you can afford, as well as some thoughts on how your values, needs, and priorities might influence the decision. We'll explore the benefits o...

Join Nikita & Nina (3rd Decade's Arizona Serve VISTA Program & Operations Coordinator) as they discuss alternatives to a 4-year degree after high school. In this episode, they discuss: # of Americans affected by student loansAlternative paths into college (community college)Tech SchoolsWork alternativesAmeriCorps& more workplace readiness items

In this episode, Nikita discusses how our upbringing informs our money mindset, and ways that (if this is holding us back), we can use budgeting to help us improve it. She goes over 5 different methods for budgeting, and speaks personally on value-based spending as well, and how budgets can serve as a way to give ourselves the permission to spend when we tend to save every penny out of anxiety. To respond directly to anything in this episode, you can write to Nikita at nikita.wolf...

In this episode, Nikita covers all the basics of understanding investing. Many people struggle to differentiate different account names and tax treatment. This is a great starting place to build a solid foundation in your investment knowledge. Topics covered: What we consider "investing for retirement"Account types (401(k), 403(b), 457(b), IRA, Roth IRA)Tax-treatment (Roth vs. Traditional)General guidelines for how much to investNotoriously low-fee custodians

Join Nikita for this mini-episode on choosing the college that's right for you. In this episode, she discusses different factors to consider when making your selection. Including things like: college credentials, networking, location, cost, resources, and more.

Nikita Wolff is joined by 3rd Decade graduate, Leroy Adams, to discuss how he's changing generational money habits within his own family. Throughout this episode, they discuss: Leroy's backgroundExpensive mistakesHow he's tackling these conversationsOvercoming shameTips on getting started& a lot in-between!

Nikita Wolff is joined by Cayla Vertreese, a 3rd Decade graduate, and a 21 year old recent graduate of Northwest Missouri State University. Cayla received her Bachelors in Human Services and Minor in Psychology. Following her college graduation in May of 2021, she moved to Mesa, Arizona where she currently works for Mindfulness First, a nonprofit that offers scientifically-informed programs based on trauma-informed Mindful Awareness and Social-Emotional Learning which equitably support ...