The Finance Fam Show exists to unleash potential in people! We cover many topics in finance that also revolve around faith, family, and freedom. Hosted by Isaiah Ram & Andrew Bullard, our goal is to start a conversation around personal finance and help get young people on the path towards retirement and freedom. We'll cover everything from getting out of debt, to planning a budget, to building your investment portfolio, and ultimately how to beat the rat race and become financially independent.
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Bitcoin just broke an all time high. Are you invested in it? Today we share about our evolving philosophy around cryptocurrency.
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40. TURO Rentals: The Best Car Hack in 2024?
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Andrew interviews Isaiah on his experience with TURO. Check out if it's still viable and worth doing in 2024! Also - leave a 5 star review! We want 'em ;)
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Bonus episode!
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38. What To Do If Your Find Yourself Out Of A Job
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What To Do If Your Find Yourself Out Of A Job
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BONUS episode! We go on a cruise and process some of the trip. We'll have to do a follow-up episode, but hopefully you find this entertaining :)
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36. The Story of Andrew & Joy's Renovation
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Andrew & Joy's renovation story: finding off-market deals, investing in land, dealing with expenses, and more in this episode!
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This episode dives into the problems of the health care industry and some possible, future solutions. *Recorded April 2023*
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This is the follow up to our other episode on vacations!
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33. Happy 2024! Interest Rates are at 8% 📈
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Welcome back, Finance Fam! It's 2024, and we're thrilled to bring you the first episode of the year with your favorite finance enthusiasts, Isaiah Ram and Andrew Bullard. In this exciting kickoff episode, we're diving deep into the latest financial trends, strategies, and insights that are shaping the year ahead. Isaiah and Andrew, known for their …
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32. Most Americans finance vacations...and they're putting their future in jeopardy
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Finance Fam | Season 2 | Episode 32 Vacations are ruining American's futures. This episode is a wakeup call to those who aren't financially preparing for vacations. We love you, but we're keeping it real today. As always, if you're interested in getting your finances in order, fill out a form and we'll reach out to you about Finance Coaching. First…
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31. Banks make HOW MUCH each year on overdraft fees?
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Finance Fam | Season 2 | Episode 31We're calling overdraft fees the 15 billion "tax" on the poor... here's what they are and how to avoid them! Links: Finance Coaching Isaiah's Instagram Andrew's Instagram
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30. Please Don’t Give Uncle Sam A Free Loan Every Year Like We Did 💸
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Finance Fam | Season 2 | Episode 30 Just in time for Tax Day, we discuss why you're giving Uncle Sam a free loan EVERY YEAR! If you are intimidated by taxes, this episode is for you so you can gain a simple, comprehensive overview of the tax system. Links: Finance Coaching Isaiah's IG Andrew's IG
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29. Most Christians Don't Do Tithes and Offerings; Here's Why
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"Live like no one else, so you can live and give like no one else"! Today we talk about the spiritual aspect of building wealth and having a heart of generosity & giving. We talk about about only 5% of church goers tithe, and our thoughts on the topic of biblical giving. Disclaimer – we're not experts or theologians on the topic of giving... but we…
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28. Becoming a Millionaire is Easy; Getting Abs is Much Harder
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Finance Fam | Season 2 | Episode 28 Today's episode was completely unplanned and spontaneous. Isaiah shares about his new found inspiration to get a 6 pack, and Andrew tests Chat GPT for the first time. You'll get a kick out of this! Links: Finance Coaching– https://form.jotform.com/222163910210036Isaiah's IG – https://www.instagram.com/isaiah.ram.…
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27. ChatGPT – The Technological Breakthrough of Our Lifetime! 🤖
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Finance Fam | Season 2 | Episode 27 ChatGPT is changing everything! Today we talk about what AI can do for you, what potential it has, and how to incorporate it into your day to day. Yes, this is a finance show... but consider ChatGPT an assistant that can 10X your output, planning, content, budgeting, outlines, business, work, etc etc etc. As alwa…
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FIRE – one of our favorite financial terms. Today, we dive into the weeds about the different types of FIRE out there (Fat, Coast, Lean, Barista). Remember to reach out to us in the links below if you're wanting to start your finance journey! Finance Fam Links
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25. One Day You'll Be Too Old To Work 😵
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Welcome to SEASON 2 of Finance Fam!!! Today we start the conversation with the humble reality that we as humans will one day be unable to work physically and why retirement in the financial sense needs a game plan. Links for IG & Finance Coaching Form
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We reflect on the last 23 episodes, what got us into hosting this show, and our favorite conversations from 2022! :) ------ Instagram | Financial Coaching Questionnaire | Email AndrewAv Isaiah Ram & Andrew Bullard
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23. SMART Goals & New Years Resolutions
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LIMITED TIME OFFER ~ Reach out to us today and get a free consultation with Andrew!! On today's episode we talk through New Years Resolutions and how to create SMART goals for 2023. Enjoy, and happy new year :) SMART goals are: Specific: Well defined, clear, and unambiguous Measurable: With specific criteria that measure your progress toward the ac…
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22. Financial Car Philosophy: Loans, Beaters, & Teslas 😎
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This is a fun one. We talk about how car loans were hurting a lot of Americans from maxing out their retirement accounts... and therefore provide our philosophy on cars. We share the beater ==> solid car ==> Tesla stages of building wealth and driving cars. The smart way of course. 😎 ------ Instagram | Financial Coaching Questionnaire | Email Andre…
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21. Long-Term Savings & Short-Term Savings Strategies
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Today we talk about the differences between long term and short term savings! We also share our strategy in deciding where to put your extra cash that you're planning on spending in the net 5 years. Ally Savings Bank ------ Instagram | Financial Coaching Questionnaire | Email Andrew
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Today we talk about how we would go about saving and buying a house in the current state of the economy! Instagram: https://www.instagram.com/isaiah.ram.finance.fam/ Financial Coaching Questionnaire Email Andrew: andrewwait4itbullard@gmail.com ------ Instagram | Financial Coaching Questionnaire | Email Andrew…
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Today's episode is spicy and a tad controversial in the finance world. We're talking about Credit Cards (don't disown me, Dave) Instagram: https://www.instagram.com/isaiah.ram.finance.fam/ Financial Coaching Questionnaire Email Andrew: andrewwait4itbullard@gmail.com ------ Instagram | Financial Coaching Questionnaire | Email Andrew…
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18. Improving Your Health & How It Impacts Your Wallet
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Today we discuss how your health can impact your finances! W talk about the benefits of being healthy, how it's changed our finances, self-confidence, plus we share the tactics we've used to win in this sector of life. Instagram: https://www.instagram.com/isaiah.ram.finance.fam/ Financial Coaching Questionnaire Email Andrew: andrewwait4itbullard@gm…
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17. 5 Observations from Andrew's India Trip
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Today Andrew shares some takeaways from his mission trip to India! Instagram: https://www.instagram.com/isaiah.ram.finance.fam/ Financial Coaching Questionnaire Email Andrew: andrewwait4itbullard@gmail.com ------ Instagram | Financial Coaching Questionnaire | Email AndrewAv Isaiah Ram & Andrew Bullard
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Today we share how easy it is to house hack, how it's worked for us, and why you should consider it! Instagram: https://www.instagram.com/isaiah.ram.finance.fam/ Financial Coaching Questionnaire Email Andrew: andrewwait4itbullard@gmail.com ------ Instagram | Financial Coaching Questionnaire | Email Andrew…
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15. Retirement Accounts & The Order Of Operations
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Today we break down the different investing & retirement accounts that are out there for people and what order you should prioritize them in! Instagram: https://www.instagram.com/isaiah.ram.finance.fam/ Financial Coaching Questionnaire Email Andrew: andrewwait4itbullard@gmail.com ------ Instagram | Financial Coaching Questionnaire | Email Andrew…
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Isaiah & Andrew discuss the good, the bad, and the ugly about side hustles. We break down our favorites and also the ones we think people should avoid! Connect with us! Instagram: https://www.instagram.com/isaiah.ram.finance.fam/ Financial Coaching Questionnaire Email Andrew: andrewwait4itbullard@gmail.com ------ Instagram | Financial Coaching Ques…
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13. Consumer Debt & The 3 C's: College Loans, Credit Cards, and Cars
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In this long-winded episode, Andrew and Isaiah talk about consumer debt and how it's wrecking America and many people's futures! Resources: History Of Debt Average Debt Debt Snowball Connect with us: Instagram: https://www.instagram.com/isaiah.ram.finance.fam/ Financial Coaching Questionnaire Email Andrew: andrewwait4itbullard@gmail.com ------ Inst…
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12. Millennials Spend HOW MUCH on Coffee?!!
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On today's episode we talk about COFFEE!! How much do millennials spend on coffee, and how much are millennials missing out on in their retirement? We share stats, coffee hacks, and more in this episode. Resources: Badger Poop Coffee Millennial Spending Statistic Brewing Coffee At Home (cost) Connect with us! Instagram: https://www.instagram.com/is…
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11. Minimalism & The Benefits of Downsizing Your Life
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We're a culture of consumption, but the reality is we actually don't need a whole lot to be happy. In today's show we talk about the financial, mental, and spiritual benefits on minimalism. In fact, we're taking every day in October to give, sell, or trash household items that we really don't need. Resources: 300,000 Items Connect with us! Instagra…
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10. The Costs & Blessings Of Having Children
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Today we discuss Finance and Kids! Kids are not cheap; there's no way around it. We talk about the main expenses to think about and some of the blessings of having children. Resources: Study by the USDA Connect with us! Instagram: https://www.instagram.com/isaiah.ram.finance.fam/ Financial Coaching Questionnaire Email Andrew: andrewwait4itbullard@g…
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9. Our Attitude on Student Loan Forgiveness
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Today we dive into current events and respond to student loan forgiveness: what it means, whether or not you qualify, our general attitude towards the situation, and more! This verse comes to mind.... Romans 12:15: Rejoice with those who rejoice; mourn with those who mourn! Resources: White House Brief Student Aid.Gov & FAQs Connect with us! Instag…
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8. Introduction to the FIRE Movement: Financial Independence Retire Early
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The movement was the catalyst into the world of personal finance for us. We realized people don't need to be stuck in a cubicle until they're 65, missing the best years of their life. We talk about this movement, the philosophy behind it, and how to achieve FIRE with broad strokes today. Resources: Intro to FIRE blog Connect with us! Instagram: htt…
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7. Why You Need Life (aka DEATH!) Insurance
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Life Insurance is critical. If you die... who's dependent on you? What will they do if you're gone? We explore the reality of death insurance in this episode! Resources: Term vs Whole explained Get competitive term life insurance quotes here Connect with us! Instagram: https://www.instagram.com/isaiah.ram.finance.fam/ Email Andrew: andrewwait4itbul…
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6. Budgeting 101: Tell Your Money Where To Go!
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Today, we talk about the importance of a budget. Some people get scared when we use that word.... but we guarantee that using one will actually give you immense freedom and control in your life. Budgeting is the essence of putting your vision on paper and moving it forward. We break down a zero-based budget so you always reach $0. YOU tell YOUR mon…
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5. Compound Growth: The 8th Wonder of the World
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Compound growth is a beautiful thing. In fact, Einstein calls it the 8th wonder of the world! In this episode we talk about this beautiful concept that helps make everyday people like me and you millionaires. It's the power of exponential growth. We also talk about getting comPounded by debt and interest!! He who understands compound growth earns i…
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Today we cover retirement, how much the average American has saved, and how most are sadly not hitting their goals. We want to stress that retirement is a financial number and NOT an age! We touched on some statistics and terms in this show that you can go into more depth on below: 4% Rule American Retirement Stats Fire Movement ------ Instagram | …
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In today's show we answer the decade-old question: "Should I invest in cryptocurrency?" This is really an "intro to crypto" episode. For those that aren't sure of what crypto is or whether it's right for them, we break down who should and who shouldn't be investing. If you have an emergency fund, are maxing out your retirement accounts, then perhap…
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Today we cover the importance of the EMERGENCY FUND! There's two types: the starter and the 3-6 months of living expenses. In this episode we WHY you need one and how to start building one. For more information, check out Dave Ramsey's blog on emergency funds. You can also reach out to Andrew at Andrewwait4itbullard@gmail.com and follow Finance Fam…
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Welcome to the FIRST episode of Finance Fam! In this episode Isaiah and Andrew introduce themselves. (Hello!) You can contact Andrew for financial coaching at Andrewwait4itbullard@gmail.com and follow our account on Instagram and Twitter. We talk about the point of this podcast, who it's for, how it got started, and the topics we'll be covering on …
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