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Welcome to Townley's Money Basic$. The podcast that will help improve your financial IQ. I want to learn by teaching and build a community around making money fun and less intimidating. Let me know your thoughts. Send your feedback to Email - townleytech@gmail.com, LinkedIn - @shawntownley, Twitter - @shawntownley or Website - https://shawntownley.com
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Where do you spend your money? Do you prefer buying stuff or experiences. It may depend on where you are in your life journey! In this episode I discuss the case for stuff and experiences and finally where the balance may lay for you. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley …
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What comes to mind when you hear the word frugal? Penny pincher? Coupon cutter? It can be way more fun than that! Today I talk about reasons why being frugal can be fun! Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web - https://shawntownley.com…
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Want to know a secret about how to stick to your spending plan? In this episode we cover one of the best ways to help you stick to your spending plan without losing your mind! Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web - https://shawntownley.com…
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Assets - Liabilities = Net Worth. Why do we care what our net worth is? In this episode we discuss what net worth is and how to figure it out. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web - https://shawntownley.com…
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This IS the first step to your financial freedom! Establishing an emergency fund will start you down the path to peace of mind and as well as building a solid financial foundation. The journey starts here. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web -…
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Bartering, cash, credit cards, debit cards and now digital wallet. The evolution of money continues! In this episode I discuss the pros and cons of each type of money. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web - https://shawntownley.com…
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Remember when talking about money was taboo? Ok maybe it still is, but it should not be! Especially when it comes to your future. Your kids are your future and you owe it to them and yourself to educate them on what you know about money. In this episode I talk about conversation we should be having with our children at different points in their up …
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Well this is the end. I have enjoyed making this podcast over the past three years. I have learned a lot about money and making podcasts. I hope to return with another series in 2024, but for now I will be taking a break. Take care. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Tw…
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Like it not there are times in life where you need help. Something bigger than yourself. It comes with a price and hopefully you never have to use it, but maybe it will help you sleep better at night. Insurance can be a mixed bag and in this episode I go over some common insurance policies you may need in your financial plan. Support the show https…
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Now that you are getting your money under control it’s time to understand how banks work. Understanding how banks work is important for where your money sits and also when you need a loan. In this episode I explain a simple breakdown of how banks (and credit unions) work. Support the show https://www.buzzsprout.com/1768523/support Email - townleyte…
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You have your spending plan in place. You are looking to start investing to build wealth. Where do you go from here? In this episode I discuss options for when you are ready to start building wealth. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web - https…
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What is the Stock Market? Why should care to know? In this episode I talk about what a stock market is and why you need to understand how it works. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web - https://shawntownley.com…
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Understanding the world around us is essential to understanding our money. There are many systems to run your economy - Socialism, Communism and Capitalism just to name a few. In this episode I talk about capitalism and how it may impact your personal finances. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.co…
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Bartering, cash, credit cards, debit cards and now digital wallet. The evolution of money continues! In this episode I discuss the pros and cons of each type of money. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web - https://shawntownley.com…
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Imagine a world with no cash. I have to admit that is difficult for me. In this episode I discuss what a cashless society may look like and whether it is coming sooner rather than later. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web - https://shawntownl…
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We all want money, but how much do we really need? How much do you need to meet your savings, essential and wants? In this episode I explore a more minimalistic approach to money. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web - https://shawntownley.com…
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It used to be that you had to wait until payday to get paid. It appears that is no longer the case. With Daily Pay you can choose when you collect your hard earned money, but is there a catch? In this episode I explain daily pay and what you need to know to make sure it is right for you. Support the show https://www.buzzsprout.com/1768523/support E…
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When you think of college students the word poor sometimes comes to mind. What if it did not have to be that way? In this episode I explore some the ways that you can keep from being a poor college student. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web …
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We all want money, but why? You can’t eat money or at least you should not - its nasty! It would be difficult to wear or get shelter from a storm using it. We want what money can afford us. In this episode we start to explore the money why and how we should put the want of money into perspective. Support the show https://www.buzzsprout.com/1768523/…
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Where do you spend your money? Do you prefer buying stuff or experiences. It may depend on where you are in your life journey! In this episode I discuss the case for stuff and experiences and finally where the balance may lay for you. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley …
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There are many tools to help you keep track of your money. The trick is to find the ones you like and will use on a regular basis. In this episode I talk about some of the tools that are available on market. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web…
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How do you think about money? Do you think about the why relationship you have with money? In this episode I share my money philosophy. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web - https://shawntownley.com…
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What does it mean to be middle class? In this episode we break down what is middle class by income, net worth and how education also plays a role. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web - https://shawntownley.com…
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Are you a saver or a spender? It is ok to be both. We just need to find the right balance. In this episode I make the case for saving and spending. I also throw in some ideas on how to achieve that balance. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web …
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What would you do if you had total control of your time for the rest of your life? Do you have a perfect day in mind? Maybe FIRE (Financially Independent Retire Early) can work for you. In this episode I give an overview a what it takes to have total control over your time. Support the show https://www.buzzsprout.com/1768523/support Email - townley…
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What comes to mind when you hear the word frugal? Penny pincher? Coupon cutter? It can be way more fun than that! Today I talk about reasons why being frugal can be fun! Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web - https://shawntownley.com…
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Do you know your credit score? In this episode I talk about why your credit score is important and how you can keep it in good shape. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web - https://shawntownley.com…
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Cash is king right?!? There are times where that is still the case, but maybe not is not as powerful as it once was. When should you carry cash and when is it no longer appropriate? In this episode I talk about when and why you may want to use cash. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn -…
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Need some extra cash? Side hustle. Want to build your emergency fund fund? Side hustle. You guessed it the side hustle is very important to making your money situation successful. Take a few minutes to hear me explain how side hustles can help you. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - …
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Bankruptcy. It’s not fun. Hopefully you will not ever have to declare that you are bankrupt. in this episode I talk about bankruptcy and ways that hopefully you can avoid it. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web - https://shawntownley.com…
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Student loans can be helpful, but are they necessary? In this episode I talk about student loans and ways to possibly avoid them. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web - https://shawntownley.comPor Shawn Townley
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Remember when talking about money was taboo? Ok maybe it still is, but it should not be! Especially when it comes to your future. Your kids are your future and you owe it to them and yourself to educate them on what you know about money. In this episode I talk about conversation we should be having with our children at different points in their up …
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So you have all your money categories situated - Savings, Essentials and Wants, but there is still more money! What to do with your extra cash? How about investing it! In this episode I give an overview about investing your money. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twit…
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You have all your ducks in a row ;-) Now its time to talk to a Financial Advisor! What is a Financial Advisor? Let’s find out! Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web - https://shawntownley.comPor Shawn Townley
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It is no fun! Identity theft can be very expensive and time consuming. Hopefully you will never have to go through it, but if you do there are ways to help protect yourself and your credit. In this episode we I talk about what identity theft is, how it happens and how you can avoid it. Support the show https://www.buzzsprout.com/1768523/support Ema…
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Insurance is legalized gambling. What you bet on is up to you! In this episode we take a high level look at common insurances that we need in our financial life. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web - https://shawntownley.com…
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Once you have your spending plan in place it is time for cash flow automation. Automating cash flow will help you systematically get you closer to financial independence! Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web - https://shawntownley.com…
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How many subscriptions do you have? How many have you forgotten that you had? Maybe it is time to review what subscriptions you have. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web - https://shawntownley.com…
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How do you know how you are doing when it comes to money? One way is to figure out your net worth. In this episode I discuss ways to figure out what your money scorecard looks like. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web - https://shawntownley.co…
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Want to know a secret about how to stick to your spending plan? In this episode we cover one of the best ways to help you stick to your spending plan without losing your mind! Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web - https://shawntownley.com…
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Everyone likes to be given credit, but should you use it? In this episode we talk about what credit is and when we should use it to meet our financial goals. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web - https://shawntownley.com…
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Is all debt bad? Maybe. In this episode we talk about what debt is and how it possibly can be good or bad. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web - https://shawntownley.comPor Shawn Townley
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After building an emergency fund, taking care of retirement and saving for college it’s time to BUILD WEALTH! This is part of our 20% savings in our spending plan. In this episode we talk about when to invest and when not to invest. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Tw…
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As part of our 20% savings, emergency fund and then retirement are the first two cups to fill. If you or a family member are interested in higher education then this is the next place to put your savings. In this episode we talk about what to do if higher education is in your future plans. Support the show https://www.buzzsprout.com/1768523/support…
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Once you have your emergency fund established you need to start thinking about the long view. Investing in your retirement is essential because time may not be on your side. Having money later in life when you are no longer in your prime earning years is paramount to your financial success! Let’s challenge what retirement means! We may find that re…
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This IS the first step to your financial freedom! Establishing an emergency fund will start you down the path to peace of mind and as well as building a solid financial foundation. The journey starts here. Support the show https://www.buzzsprout.com/1768523/support Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web -…
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If you only have time to listen to one episode - this is the one! Savings is the secret for building financial stability and ultimately growing your wealth. Spend less than you make and put the rest to work for you! In this episode we talk about what savings is and how to get started. Support the show https://www.buzzsprout.com/1768523/support Emai…
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Cash flow is how money comes into and out of your life. A spending plan takes that next step to helping you make money work for you! Simply observing the world around you will not make you financially independent, but we can solve that problem with our spending plan. In this episode we learn how to go from observing to start molding our financial f…
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Income is the offense of your spending plan. Expenses is defense. If you can master the defense of your spending plan you can quickly automate your way to a better financial life. Email - townleytech@gmail.com LinkedIn - @shawntownley Twitter - @shawntownley Web - https://shawntownley.com Support the show https://www.buzzsprout.com/1768523/support …
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Cash flow is how money comes into and out of your life. A spending plan takes that next step to helping you make money work for you! Simply observing the world around you will not make you financially independent, but we can solve that problem with our spending plan. In this episode we learn how to go from observing to start molding our financial f…
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