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Learn how to build a simple estate plan and lend or repay family money without hurting your relationships. What’s the first thing to do when creating an estate plan? What’s the smartest way to handle loans between friends or family? Hosts Sean Pyles and Elizabeth Ayoola break down estate-planning basics like wills, revocable trusts, living wills/advance healthcare directives, and durable powers of attorney — tools that can ensure your wishes are carried out and help your loved ones avoid probate. They also share when to update your documents, how beneficiary designations can override your will, and three simple to-dos to get started without feeling overwhelmed. Then, mortgage and student loans writer Kate Wood joins Sean and Elizabeth to answer a listener’s question about paying a loan back to her parents. They explore how family loans and lending circles work, why it’s important to put agreements in writing (and when notarizing helps), and the impact informal loans can have on your credit. They also weigh different ways to set money aside, comparing high-yield savings accounts with taxable brokerage accounts invested in ETFs and considering timelines, growth potential, and tax trade-offs. Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: estate planning, will vs trust, revocable trust, living will, durable power of attorney, healthcare proxy, advance healthcare directive, probate explained, beneficiary designation vs will, update beneficiaries after marriage, how often to update a will, intestate meaning, avoid probate, family loan agreement, lend money to family safely, informal lending, lending circle, saving circle, notarized loan contract, pros and cons of family loans, protect relationships when lending money, credit score and informal loans, high-yield savings accounts, taxable brokerage accounts, ETF basics for beginners, repaying parents for college, fiduciary roles in estate planning, power dynamics of lending to friends, writing a repayment schedule, when to use a trust for minors, and retitling assets into a trust. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com . Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices…
Without Guidance explicit
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Contenido proporcionado por Trinity. Todo el contenido del podcast, incluidos episodios, gráficos y descripciones de podcast, lo carga y proporciona directamente Trinity o su socio de plataforma de podcast. Si cree que alguien está utilizando su trabajo protegido por derechos de autor sin su permiso, puede seguir el proceso descrito aquí https://es.player.fm/legal.
without guidance is a weekly hangout sesh where I lose my filter and you listen for entertainment. new episodes drop every friday. you can connect with me on instagram @etherealtrinty or on my YouTube channel: https://www.youtube.com/trinityfaith611
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24 episodios
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Contenido proporcionado por Trinity. Todo el contenido del podcast, incluidos episodios, gráficos y descripciones de podcast, lo carga y proporciona directamente Trinity o su socio de plataforma de podcast. Si cree que alguien está utilizando su trabajo protegido por derechos de autor sin su permiso, puede seguir el proceso descrito aquí https://es.player.fm/legal.
without guidance is a weekly hangout sesh where I lose my filter and you listen for entertainment. new episodes drop every friday. you can connect with me on instagram @etherealtrinty or on my YouTube channel: https://www.youtube.com/trinityfaith611
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24 episodios
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×Today I wanted to discuss how some people just have the nerve. If you liked this episode of the podcast, take a screenshot, head on over to my Instagram and share it on your IG stories, and tag me, @etherealtrinity ! If you love what you learned, be sure to hit that follow button so you never miss a future episode, and make sure to leave a review to help me reach more listeners💛 CONNECT WITH ME: Website: https://www.alchemyofcreation.org Instagram: http://www.instagram.com/etherealtrinty Twitter: https://twitter.com/etherealtrinty YouTube: https://www.youtube.com/trinityfaith611 FOR ADDITIONAL RESOURCES: https://linktr.ee/etherealtrinity…
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Without Guidance

Come listen to me yell about injustice and this anal society that we must rage against. What We Discuss (Timestamps): introduction 00:00 the world is obsessed with younger women 01:19 times i’ve been shamed for my body hair 08:56 I hate American porn 15:55 self acceptance after societal shame 20:56 responding to your questions 28:41 If you liked this episode of the podcast, take a screenshot, head on over to my Instagram and share it on your IG stories, and tag me, @etherealtrinity ! If you love what you learned, be sure to hit that follow button so you never miss a future episode, and make sure to leave a review to help me reach more listeners💛 CONNECT WITH ME: Website: https://www.alchemyofcreation.org Instagram: http://www.instagram.com/etherealtrinty Twitter: https://twitter.com/etherealtrinty YouTube: https://www.youtube.com/trinityfaith611 FOR ADDITIONAL RESOURCES: https://linktr.ee/etherealtrinity…
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1 don’t worship false idols 1:24:52
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Today AB and I get high and have a much needed conversation about the idolization of influencers and the way it has the immense power to make or break our society. What We Discuss (Timestamps): Introduction 00::00 Brittany Griner 01:13 don’t worship false idols 14:50 men are not meant to lead 32:54 women = the answer 55:01 I miss life before “influencers”01:02:03 money ain’t the answer 01:17:00 If you liked this episode of the podcast, take a screenshot, head on over to my Instagram and share it on your IG stories, and tag me, @etherealtrinity ! If you love what you learned, be sure to hit that follow button so you never miss a future episode, and make sure to leave a review to help me reach more listeners💛 CONNECT WITH ME: Website: https://www.alchemyofcreation.org Instagram: http://www.instagram.com/etherealtrinty Twitter: https://twitter.com/etherealtrinty YouTube: https://www.youtube.com/trinityfaith611 FOR ADDITIONAL RESOURCES: https://linktr.ee/etherealtrinity…
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1 what my mother and I don’t talk about … ft. my mom! 1:35:19
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Welcome to another episode of Without Guidance! Today I’ve brought in my best guest yet… my mom! I’m super excited to share this healing episode with you all! We had a much needed conversation about sex, shame, romance, self pleasure, relationships, healing generational trauma, and soooo much more. I hope this conversation heals some of your mother wounds and encourages you to have difficult (but much needed) conversations with the people you love❤️. Here is the link to the erotic website I mentioned: https://getcheex.com/ Link to Pure Body Extra (the heavy metal detox supplement I briefly mentioned): https://thegoodinside.com/shop/product/pure-body-extra-strength what we discuss: intro 00:00 the sex talk 02:46 what do you think about my fame? 25:26 raising girls vs boys 38:00 the shame of “losing” your virginity 41:31 what kinda sex do you think i have? 56:28 first time masturbating 01:01:48 sexual shame 01:10:01 ending generational trauma 01:13:10 my mom asks me questions 01:26:55 If you liked this episode of the podcast, take a screenshot, head on over to my Instagram and share it on your IG stories, and tag me, @etherealtrinity ! If you love what you learned, be sure to hit that follow button so you never miss a future episode, and make sure to leave a review to help me reach more listeners💛 CONNECT WITH ME: Website: https://www.alchemyofcreation.org Instagram: http://www.instagram.com/etherealtrinty Twitter: https://twitter.com/etherealtrinty YouTube: https://www.youtube.com/trinityfaith611 FOR ADDITIONAL RESOURCES: https://linktr.ee/etherealtrinity…
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Without Guidance

1 sex, porn, and what men really think (ft. Jonathan & De) 1:05:36
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Welcome to another episode of Without Guidance! Today I have some of my guy friends Dee and Johnathan with me to give their insight on what it’s like to be a black man in the world today. You can find them on instagram here: https://www.instagram.com/jonathanvizionary/ https://www.instagram.com/originalwavy/ Here is the link to the erotic website I mentioned: https://getcheex.com/ What We Discuss (Timestamps): introduction 00:00 pride and ego 07:30 some niggas just WEIRD 24:10 speak up during sex! 51:15 performance anxiety 54:44 embracing emotion for women 59:12 If you liked this episode of the podcast, take a screenshot, head on over to my Instagram and share it on your IG stories, and tag me, @etherealtrinity ! If you love what you learned, be sure to hit that follow button so you never miss a future episode, and make sure to leave a review to help me reach more listeners💛 CONNECT WITH ME: Website: https://www.alchemyofcreation.org Instagram: http://www.instagram.com/etherealtrinty Twitter: https://twitter.com/etherealtrinty YouTube: https://www.youtube.com/trinityfaith611 FOR ADDITIONAL RESOURCES: https://linktr.ee/etherealtrinity…
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Without Guidance

1 LGBTQIAXYZ123 ft. Y & AB | the problem with having too many labels in today's society 1:20:18
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Welcome to another episode of Without Guidance! Today I have some of my very close friends with me to give their insight on how labels have negatively affected our ability to know self. You can find each of them on instagram here: https://www.instagram.com/lifeof.abeing/ https://www.instagram.com/sunset_trei/ https://www.instagram.com/levelstothisshift/ What We Discuss (Timestamps): Introduction 00:00 how we “identify” love is the only universal 30:11 our internal struggle with stereotypes 33:24 we manifest illness 46:01 unbecoming self 53:12 coming out culture 01:00:30 transgender controversy 01:08:35 wtf is queer baiting??? 01:16:07 If you liked this episode of the podcast, take a screenshot, head on over to my Instagram and share it on your IG stories, and tag me, @etherealtrinity ! If you love what you learned, be sure to hit that follow button so you never miss a future episode, and make sure to leave a review to help me reach more listeners💛 CONNECT WITH ME: Website: https://www.alchemyofcreation.org Instagram: http://www.instagram.com/etherealtrinty Twitter: https://twitter.com/etherealtrinty YouTube: https://www.youtube.com/trinityfaith611 FOR ADDITIONAL RESOURCES: https://linktr.ee/etherealtrinity…
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Without Guidance

1 Confessions of a Nymphomaniac ft. VooKoo 1:27:38
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This week I am joined by my friend Voo to expose our sexual experiences, spill our deepest fantasies, and let our inner slut dragons roar! You can find her on Instagram here: https://www.instagram.com/v.thtgrl/ What We Discuss (Timestamps): introduction 00:00 it’s exposing hour 03:15 wildest porn category 20:00 dating older men 32:00 desires to be a sex worker 55:00 If you liked this episode of the podcast, take a screenshot, head on over to my Instagram and share it on your IG stories, and tag me, @etherealtrinity ! If you love what you learned, be sure to hit that follow button so you never miss a future episode, and make sure to leave a review to help me reach more listeners💛 CONNECT WITH ME: Website: https://www.alchemyofcreation.org Instagram: http://www.instagram.com/etherealtrinty Twitter: https://twitter.com/etherealtrinty YouTube: https://www.youtube.com/trinityfaith611 FOR ADDITIONAL RESOURCES: https://linktr.ee/etherealtrinity…
Are you interested in working with me to expand your creative career and rid yourself of limiting beliefs? If so, head to https://www.alchemyofcreation.org and check out all of the services I have to offer to help you tap into your inner power and achieve your dreams☁️ Being a content creator/influencer is fun until people hate you for establishing a high price for your services. Trust me, I’ve been there and done that; therefore, today we’re discussing my past experiences in accepting less than what I deserved and how I’m overcoming the limiting beliefs associated with that behavior. What I Discuss (Timestamps): introduction 00:00 chilhood programming 00:40 i’ve done too much work for free 13:13 why I sold myself short 25:50 my passions can’t become work 29:30 If you liked this episode of the podcast, take a screenshot, head on over to my Instagram and share it on your IG stories, and tag me, @etherealtrinity ! If you love what you learned, be sure to hit that follow button so you never miss a future episode, and make sure to leave a review to help me reach more listeners💛 CONNECT WITH ME: Website: https://www.alchemyofcreation.org Instagram: http://www.instagram.com/etherealtrinty Twitter: https://twitter.com/etherealtrinty YouTube: https://www.youtube.com/trinityfaith611 FOR ADDITIONAL RESOURCES: https://linktr.ee/etherealtrinity…
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Without Guidance

Are you interested in working with me to expand your creative career and rid yourself of limiting beliefs? If so, head to https://www.alchemyofcreation.org and check out all of the services I have to offer to help you tap into your inner power and achieve your dreams☁️ Today I’m giving you guys more insight on wtf I be doing in my day to day life lol. From Onlyfans to healing my relationship with my divine feminine and sacred womb space, I have been embracing my desire to go into sex work and exploring different streams of creativity. Link to Valeria’s Twitter: https://twitter.com/Vixenvall What We Discuss (Timestamps): introduction 00:00 i’ve always been interested in sex work 04:02 i like attention, so what? 11:22 external perception 14:47 quality over quantity 21:35 sex education 24:17 If you liked this episode of the podcast, take a screenshot, head on over to my Instagram and share it on your IG stories, and tag me, @etherealtrinity ! If you love what you learned, be sure to hit that follow button so you never miss a future episode, and make sure to leave a review to help me reach more listeners💛 CONNECT WITH ME: Website: https://www.alchemyofcreation.org Instagram: http://www.instagram.com/etherealtrinty Twitter: https://twitter.com/etherealtrinty YouTube: https://www.youtube.com/trinityfaith611 FOR ADDITIONAL RESOURCES: https://linktr.ee/etherealtrinity…
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1 money isn’t the only currency | how we navigate this capitalist world as independent artists 38:52
Are you interested in working with me to expand your creative career and rid yourself of limiting beliefs? If so, head to https://www.alchemyofcreation.org and check out all of the services I have to offer to help you tap into your inner power and achieve your dreams☁️ Welcome back to There’s Always a Ladder! Today’s episode features my good friends, Jonathan Vizionary & ABeing, as we discuss how we navigate making money as independent artists and the way that big businesses steal our time and energy. You can check out my blog here: https://www.alchemyofcreation.org/everythingisupsidedown I hope you enjoy! What We Discussed: introduction 00:00 money isn’t the only currency 01:00 the hypocrisy in being an influencer 07:16 we need volunteers for Meta 12:17 knowing your worth as a creative 16:13 authenticity is key 24:30 ab’s inspirational outro 36:57 If you liked this episode of the podcast, take a screenshot, head on over to my Instagram and share it on your IG stories, and tag me, @etherealtrinity ! If you love what you learned, be sure to hit that follow button so you never miss a future episode, and make sure to leave a review to help me reach more listeners💛 CONNECT WITH ME: Website: https://www.alchemyofcreation.org Instagram: http://www.instagram.com/etherealtrinty Twitter: https://twitter.com/etherealtrinty YouTube: https://www.youtube.com/trinityfaith611 FOR ADDITIONAL RESOURCES: https://linktr.ee/etherealtrinity…
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Without Guidance

1 change is the only constant | what i’ve been learning (ft. Sunset Trei & ABeing) 1:00:32
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Are you interested in working with me to expand your creative career and rid yourself of limiting beliefs? If so, head to https://www.alchemyofcreation.org and check out all of the services I have to offer to help you tap into your inner power and achieve your dreams☁️ Welcome back to There’s Always a Ladder! Today’s episode features my good friends, Sunset Trei & ABeing as we discuss the transitions we’ve been going through, the books we’ve been reading, and the profound lessons we’ve been learning. You can check out my blog here: https://www.alchemyofcreation.org/everythingisupsidedown The book I mentioned is Many Lives, Many Masters by Brian L. Weiss (I highly recommend). I hope you enjoy! What We Discussed: introduction 00:00 life update 02:28 insights from a book i’m reading 24:08 “are you saved?” 31:07 the christianity rant 39:51 the reparations rant 41:54 the steps for change 51:53 If you liked this episode of the podcast, take a screenshot, head on over to my Instagram and share it on your IG stories, and tag me, @etherealtrinity ! If you love what you learned, be sure to hit that follow button so you never miss a future episode, and make sure to leave a review to help me reach more listeners💛 FOLLOW MY FRIENDS: Sunset Trei - https://www.instagram.com/sunset_trei/ AB - https://www.instagram.com/abeing__/ CONNECT WITH ME: Website: https://www.alchemyofcreation.org Instagram: http://www.instagram.com/etherealtrinty Twitter: https://twitter.com/etherealtrinty YouTube: https://www.youtube.com/trinityfaith611 FOR ADDITIONAL RESOURCES: https://linktr.ee/etherealtrinity…
Today I have special guests AB and Lotus with me as we discuss the common problems that we face with men today. We explore what it means to be spiritually tapped in, what men can do to make a girl orgasm, and share some of our personal dating experiences. AB's Instagram: https://www.instagram.com/abfrom138/ Lotus's Instagram: https://www.instagram.com/spiritclit/ Their Brand's Instagram: https://www.instagram.com/shruomz/…
Today I brought my lovely friends on as special guests so that we can discuss the issues we’ve had in relationships when dealing with emotionally avoidant people. You can find them on all platforms using the links below :) Mahrie’s Instagram: https://www.instagram.com/mah.rie239/ Mahrie’s Poetry Page: https://www.instagram.com/__mjcb/ Ari’s Instagram: https://www.instagram.com/idkariia/ Ari’s Podcast: https://open.spotify.com/show/4fpigJgHWNdiog2SXCnveb?si=UWF0BjJuRb6qFz0cI_v30g&dl_branch=1&nd=1 Ari’s Brand: https://www.instagram.com/haze.eraco/ Check out The HoneyCuff Co and use code “Trinity” for 20% off your order! https://thehoneycuffshop.com/?ref=z06igekyg7<clid=83d13e02-23ed-4ad0-bcbd-a6c47a7462ba Check out my tarot reader, Troy: https://www.instagram.com/dremoon_/…
Welcome to another episode of There's Always a Ladder! Today I'm by myself as I discuss some recent downloads and realizations I've been having in regards to the transitional period I'm undergoing. I've watched so many episodes of Spongebob that Spirit is sending me memes in response to my soul-searchy questions lol. Hope you enjoy! you can find me on instagram and twitter @etherealtrinty and subscribe to my YouTube channel: https://www.youtube.com/trinityfaith611…
Welcome to season 2 of There’s Always a Ladder! I’m super excited to be dropping new episodes every Wednesday with some amazing special guests! To start off, I’ve got A.B. in the studio, and we're going to discuss the movie, The Matrix and how it applies to the lives we live today. You can follow us on Instagram @etherealtrinity ( https://instagram.com/etherealtrinity ) and @abfrom138 ( https://www.instagram.com/abfrom138/ )…
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