rich & REGULAR with Kiersten and Julien Saunders
Episodes
Ep 250: The problem with hearing “AI” and assuming your career is over
31 Mar 2026
Contributed by Lukas
This week, we’re talking about what’s really going on in the AI layoff era, and why the way you interpret that moment matters almost as much as th...
Ep 249: We asked Gen Z about money. Their answers were a wake-up call
24 Mar 2026
Contributed by Lukas
We spent a week talking to hundreds of high school seniors about money, and they gave us more hope than we expected. Underneath the stereotypes about ...
Ep 248: We need to talk about sports gambling
17 Mar 2026
Contributed by Lukas
There’s a casino in everybody’s pocket now, and it’s wearing a jersey.This week’s episode is about sports gambling, why it’s exploding right...
Ep 247: The Student’s Guide to Financial Freedom with Dr. Paris Woods
03 Mar 2026
Contributed by Lukas
Most money advice for students is either condescending or delusional, and this episode is neither. This one is for the students…and for the parents,...
Ep 246: New Money, New Problems: Finding advice you can trust with Brenton Harrison, CFP
23 Feb 2026
Contributed by Lukas
This week, we’re joined by Brenton Harrison, founder of New Money New Problems. Brenton is a financial advisor who works with first- and second-gene...
Ep 245: The simplest way to talk about money without making it weird
17 Feb 2026
Contributed by Lukas
There are two sentences that can ruin a perfectly normal evening – “We need to talk”, and its evil twin, “We need to talk about money.” Even...
Ep 244: Overcoming Financial Trauma with Rahkim Sabree
09 Feb 2026
Contributed by Lukas
This week we’re talking to Rahkim Sabree, author, financial trauma educator, and the person who basically put “financial trauma” on the map for ...
Ep 243: How to stay financially disciplined when life is life’ing
04 Feb 2026
Contributed by Lukas
Life is life-ing. Prices are up, surprise expenses are regular, and your “simple” money goal keeps turning into a weekly argument with yourself (o...
Ep 242: How to lower your utility bills
26 Jan 2026
Contributed by Lukas
There’s nothing like a surprise utility bill to humble your whole household. If you’ve ever stared at a bill wondering ‘how?!’ well, let’s t...
Ep 241: What to do before you start decluttering
19 Jan 2026
Contributed by Lukas
When life feels loud, getting rid of stuff can feel like relief. But if the stuff keeps coming back, the real issue is usually what the purchases were...
Ep 240: 3 simple fixes that improve home cooking
12 Jan 2026
Contributed by Lukas
Today’s episode is brought to you by Nutre Meals, a practical solution for eating better at home when you don’t have time, energy, or interest in ...
Ep 239: Hot take: “Affordability” will be the most loaded word of 2026
08 Jan 2026
Contributed by Lukas
This is our annual “what to expect in the new year” episode, and our hot take is “affordability” is about to be the most overused, and least u...
Ep 238: My book review of The Art of Spending Money by Morgan Housel
16 Dec 2025
Contributed by Lukas
Kiersten here. This week’s episode is a solo one, and it’s inspired by a book I just finished called The Art of Spending Money by Morgan Housel. ...
Ep 237: How volunteering changed the way we think about work
25 Nov 2025
Contributed by Lukas
In a year full of work drama and career pivots, our most eye-opening lessons came from the places no one talks about on LinkedIn. Somewhere between th...
Ep 236: What a late ADHD diagnosis taught me about money and myself
17 Nov 2025
Contributed by Lukas
Kiersten here. It’s just me this week.It’s been two years since my ADHD diagnosis, and in that time I’ve learned a lot. In this episode, I’m s...
Ep 235: Resourcefulness in hard times - What to do when help isn’t coming
04 Nov 2025
Contributed by Lukas
We’re 30+ days into a government shutdown, SNAP benefits are disappearing, layoffs are ongoing, and a catastrophic storm just hit Jamaica. But beyon...
Ep 234: Open Enrollment is here: Don’t auto-renew without listening to this
28 Oct 2025
Contributed by Lukas
It’s that time again…open enrollment season. And while we know this topic doesn’t get anyone out of bed in the morning, it SHOULD. Because burie...
Ep 233: What we learned about Homeowners Insurance from Consumer Reports
22 Oct 2025
Contributed by Lukas
We recently teamed up with Consumer Reports on an eye-opening project that made us rethink how we evaluate, purchase, and engage with our homeowners i...
Ep 232: Introducing ‘Eat Better’ | The series that helps you cook without losing your mind
14 Oct 2025
Contributed by Lukas
Food prices are up (again), takeout is 4x more expensive than eating at home, and yet somehow..dinner still ends up on your doorstep. That’s exactly...
Ep 231: Credit 101 for grown folks: What it is and what it isn't
06 Oct 2025
Contributed by Lukas
If talking about credit makes you anxious, confused, or just flat-out annoyed… you're not alone. In this episode, we break down the truth about...
Ep 230: Are you rich, regular, or something else? Take our 5 question quiz and find out
30 Sep 2025
Contributed by Lukas
This episode is sponsored by NordProtect. To save up to 59% on annual plans for NordProtect visit https://nordprotect.com/richandregular and use code ...
Ep 229: The only budgeting advice that matters
22 Sep 2025
Contributed by Lukas
If budgets are supposed to keep us on track, why do so many of them make us feel stuck instead? In this episode, we talk about why the most common adv...
Ep 228: ‘Retire Often’ with Jillian Johnsrud | Why your next break should be a mini-retirement
15 Sep 2025
Contributed by Lukas
What if retirement wasn’t a one-time event at the end of a long career, but a rhythm you could build into your life right now?In this episode, we&ap...
Ep 227: 10 Years In | Money, marriage, and the lessons we didn’t see coming
10 Sep 2025
Contributed by Lukas
This week we’re celebrating our 10 year anniversary by sharing some lessons about money, partnership, and staying excited about the long game.10 yea...
Ep 226: What it takes to get through your hardest financial year
02 Sep 2025
Contributed by Lukas
Some seasons of life are defined by money, and not in a good way. Those years test your patience, your relationships, and your identity. But they can ...
Ep 225: How to tell if your 401(k) plan sucks
25 Aug 2025
Contributed by Lukas
Most people only invest for retirement through their employer plan, which means if that plan is weak, your future could be too. But how do you actuall...
Ep 224: How to actually save money on groceries in 2025
18 Aug 2025
Contributed by Lukas
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 was...
Ep 223: Can you actually afford private school?
04 Aug 2025
Contributed by Lukas
👉 Catch us co-hosting the Merging into Life podcast with AAA Northeast! The first 2 episodes are live now, and you can listen on Apple Podcasts or ...
Ep 222: Why we don’t share everything (and what we do instead)
21 Jul 2025
Contributed by Lukas
We’ve been managing money together for almost a decade, and we’re still learning how to do it better. This episode is part relationship therapy, p...
Ep 221: How to know if your car is costing too much
14 Jul 2025
Contributed by Lukas
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 h...
Ep 220: How to give yourself a raise without changing jobs
07 Jul 2025
Contributed by Lukas
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 y...
Ep 219: What our book 'Cashing Out' still gets right 3 years later…
02 Jul 2025
Contributed by Lukas
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 ...
Ep 218: What to do with your money when the world feels unstable
23 Jun 2025
Contributed by Lukas
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 ...
Ep 217: The $40 Billion Hobby | How to Stop Overspending on Youth Sports
09 Jun 2025
Contributed by Lukas
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...
Ep 216: 3 questions to ask before you quit your job (that have nothing to do with money)
02 Jun 2025
Contributed by Lukas
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 finall...
Ep 215: The 3 spending personalities and how to budget with yours
26 May 2025
Contributed by Lukas
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...
Ep 214: Get paid to learn: Our advice for the Class of 2025
19 May 2025
Contributed by Lukas
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”. Becaus...
Ep 213: How to make extra money without starting a side hustle
12 May 2025
Contributed by Lukas
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 ...
Ep 212: If you’ve ever worked for yourself (or dreamed about it), hit play
05 May 2025
Contributed by Lukas
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 spea...
Ep 211: What tariffs teach us about Financial Literacy
28 Apr 2025
Contributed by Lukas
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...
Ep 210: Everything you were never taught about bankruptcy
21 Apr 2025
Contributed by Lukas
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 “...
Ep 209: Getting paid to move? Is moving two states over the new expat life?
14 Apr 2025
Contributed by Lukas
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 convers...
Ep 208: Van Life and why living in a car still freaks people out
07 Apr 2025
Contributed by Lukas
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,...
Ep 207: 3 practical tips for couples living on one income right now
31 Mar 2025
Contributed by Lukas
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, ...
Ep 206: Introducing Taste the Impact | Our new mini-doc about food, money, and the future
24 Mar 2025
Contributed by Lukas
Links: Watch the 90-second trailer of Taste the Impact Watch the full-length "Taste the Impact" mini-doc nowRegister for the Shifting Weal...
Ep 205: Expat life - How to test the waters and decide if you should dive in
17 Mar 2025
Contributed by Lukas
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 t...
Ep 204: Women’s History Month 2025 | Celebrating wins and fighting for more
10 Mar 2025
Contributed by Lukas
Join a Shifting Wealth, Shaping Futures Circle today: https://investforbetter.org/swsf/ Not quite ready for a circle? Sign up for a free membership w...
Ep 203: Gen Z isn't the problem...Traditional financial advice is
03 Mar 2025
Contributed by Lukas
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...
Ep 202: Shareholders are rewriting the playbook for social change
24 Feb 2025
Contributed by Lukas
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 ...
Ep 201: Quick Dip | Disney’s too expensive, Diamonds aren’t rare, and CEOs are leaving - What does it all mean?
17 Feb 2025
Contributed by Lukas
Is the magic really gone, or are we just over it? This week's episode is a Quick Dip, where we're side-eyeing some old-school markers of suc...
Ep 200: Playing the long game and building a podcast that lasts
10 Feb 2025
Contributed by Lukas
This week marks a significant milestone: our 200th episode of the rich & REGULAR podcast! In this episode, we’re taking a moment to reflect, not...
Ep 199: Our answer to "Is it too late to start investing?"
03 Feb 2025
Contributed by Lukas
This week we’re talking about "late bloomers" — the "over 40, mid-life-ish, but don't-say-that-to-us" gang who are just n...
Ep 198: What happens when we stop shopping?
27 Jan 2025
Contributed by Lukas
This week’s episode is all about shopping bans and the no-spend trend. This month our social media feeds have been flooded with one thing: people sw...
Ep 197: How to spot a scam
20 Jan 2025
Contributed by Lukas
This week, we’re dissecting the art of the modern scam. We've all experienced the subtle unease of a pitch that just doesn’t feel right, but ...
Ep 196: Take your seat at the table with Anthony O’Neal
13 Jan 2025
Contributed by Lukas
This week, we're joined by entrepreneur, speaker, and author, Anthony O'Neal. You may know him from his incredibly popular YouTube channel o...
Ep 195: The money trends you can’t ignore in 2025
06 Jan 2025
Contributed by Lukas
This week, we’re breaking down the top stories and trends that will shape how we all earn, spend, and invest our money in 2025. And we’re not just...
Ep 194: New Year, New Why: A Purpose-Driven plan for 2025 with Dr. Jordan Grumet
30 Dec 2024
Contributed by Lukas
Is your "purpose" making you anxious? Do you feel like everyone online is "living their best life" except for you? Then you'v...
Ep 193: How we say no when people ask for money
23 Dec 2024
Contributed by Lukas
This week we’re diving headfirst into the one word that can save your budget and your sanity: NoJulien kicks things off with some personal stories a...
Ep 192: How we eat good without going broke
16 Dec 2024
Contributed by Lukas
The latest inflation report shows that grocery prices are back up, making something as basic as eating feel like a financial tightrope walk. So this w...
Ep 191: Rethinking Emergency Funds for modern times
09 Dec 2024
Contributed by Lukas
We’re still revisiting fundamentals and this week we’re asking: Is your emergency fund actually an emergency fund, or just a well-intentioned savi...
Ep 190: Is 'buy and hold' still relevant?
02 Dec 2024
Contributed by Lukas
We took a mini-break (and you KNOW we needed it) but we're back, and today we're tackling the sacred cow of financial planning: BUY AND HOLD...
Ep 189: Underconsumption explained: How to live below your means and love it
18 Nov 2024
Contributed by Lukas
This week, we’re unpacking the surprisingly trendy world of underconsumption. Is it a Gen Z TikTok trend? A millennial coping mechanism? A wise old ...
Ep 188: The political divide is more than just red vs. blue
11 Nov 2024
Contributed by Lukas
This week, we’re unpacking the raw emotions and anxieties that followed the recent election. We explore the stark reality of a country deeply divide...
Ep 187: The 2024 Presidential Election and the Price of Everything
04 Nov 2024
Contributed by Lukas
It’s 2024, and inflation is the number one concern for voters. Today we’re unpacking both candidates' distinct approaches to addressing it. ...
Ep 186: Preparing for a different life with Dr. Preston Cherry
28 Oct 2024
Contributed by Lukas
In this special solo episode, Julien and Dr. Preston Cherry discuss the intersection of financial planning and personal well-being. Dr. Cherry brings ...
Ep 185: ‘The Quick Dip’ | Cord Cutting, Social Security, and the Stock Market
21 Oct 2024
Contributed by Lukas
This week, we're returning to our "Quick Dip" format, where we explore three timely topics, giving you the need-to-know without the flu...
Ep 184: How to automate your savings (and finally get ahead)
14 Oct 2024
Contributed by Lukas
This episode is for anyone who's ever said, "I wish I could just save more money" because we're spilling the tea on how it’s don...
Ep 183: The "Great Salary Reset" and the do’s and don’ts of taking a pay cut
07 Oct 2024
Contributed by Lukas
This week, we're unpacking the murky waters of pay cuts and those awkward conversations where your boss wants you to do the same work for less. I...
Ep 182: Cashing In: NIL and the New Business of Being a College Athlete
30 Sep 2024
Contributed by Lukas
This week we're diving into the world of NIL, or Name, Image, and Likeness, and how this new, HUGE opportunity will impact youth sports. Think y...
Ep 181: The No-Hustle Side Hustle: Finding Joy & Freedom in Your Side Gig
23 Sep 2024
Contributed by Lukas
We’re all familiar with the pressure to make extra cash, but what if your side hustle wasn't just extra work, but an opportunity to tap into yo...
Ep 180: Decoding Consumerism | Dr. Marcus Collins on How Culture Impacts Our Spending
16 Sep 2024
Contributed by Lukas
Do you ever wonder why you buy things you don't need? This episode explores the fascinating (and sometimes alarming) ways culture shapes our budg...
Ep 179: F.I.R.E. For Dummies with Jackie Cummings Koski
09 Sep 2024
Contributed by Lukas
This week, Jackie Cummings Koski, author of "F.I.R.E. For Dummies," sits down with us to share her personal experience and offer some wisdom...
Ep 178: Franchising 101 | Demystifying the hype
03 Sep 2024
Contributed by Lukas
Are you dreaming of owning your own business? Maybe you picture yourself running a bustling coffee shop or a sleek fitness studio in the perfect area ...
Ep 177: Choosing a debt payoff strategy and why it matters how you approach it
26 Aug 2024
Contributed by Lukas
You've heard of the Snowball and Avalanche methods, but which one is right for you? In this episode, we discuss the nuances of these popular debt...
Ep 176: How cash-producing assets solve the 'Net Worth vs. Cash Flow' debate
19 Aug 2024
Contributed by Lukas
Is it better to focus on building wealth (net worth) or making sure you have enough money coming in to cover your bills (cash flow)? This question rep...
Ep 175: Investing while stocks are “overvalued” (and how to stay grounded)
12 Aug 2024
Contributed by Lukas
This week we’re talking about the stock market's latest tantrum and what it means for YOU. (Spoiler: maybe not as much as you think!) 🤫In th...
Ep 174: Introducing 'The Quick Dip' | Short Takes on Big Ideas
05 Aug 2024
Contributed by Lukas
This week we're ditching the usual deep dives and trying a new format. The Quick Dip is where we embrace shallow takes, and in this episode we’...
Ep 173: What We Learned from Our Search for Affordable Housing for Aging Parents
29 Jul 2024
Contributed by Lukas
This week we’re talking about the emotionally charged world of affordable housing, as we share the story of our journey to find suitable housing for...
Ep 172: Not just a diagnosis | A real talk about ADHD, money, and relationships
22 Jul 2024
Contributed by Lukas
"I was so sad that this might be the case, that I might have ADHD."This week we're peeling back the layers of Kiersten’s late diagnos...
Ep 171: Why You Need a Brokerage Account: The Swiss Army Knife of Investing
15 Jul 2024
Contributed by Lukas
Many of us know we should be investing for our retirement through accounts like a 401K, but how many of us also have a brokerage account? Think of a ...
Ep 170: Why We Fight About Money (and how to stop hitting below the belt)
08 Jul 2024
Contributed by Lukas
Money is a hot topic, and it's easy for disagreements to turn into full-blown fights. In this episode, we dive into the common reasons why we fig...
Ep 169: Stock Splits: Unpacking the Hype
01 Jul 2024
Contributed by Lukas
There's a lot of buzz around stock splits these days. Nvidia, Walmart, Chipotle - everyone's talking about it! But, as we explained on the p...
Ep 168: Introducing Season 3 of Money on the Table: Back to Basics (and Better Conversations)
24 Jun 2024
Contributed by Lukas
We're excited to be back with a new season of our award-winning original video series, Money on the Table. This episode dives into the origins an...
Ep 167: My journey through fatherhood | A special Father's Day message
17 Jun 2024
Contributed by Lukas
Happy Father’s Day to all the Dads! In this special solo episode, Julien offers a heartfelt and inspiring look into the actual experience of fatherh...
Ep 166: The “Zero-naire” effect and finding confidence in the smaller wins
10 Jun 2024
Contributed by Lukas
It’s time for your 2024 midyear money check-in and in this episode, we discuss the importance of celebrating the overlooked smaller financial wins a...
Ep 165: The "Soft Life" and How to Align Your Money Goals with Ease
03 Jun 2024
Contributed by Lukas
This episode is a special one, inspired by a listener suggestion based on a recent event Kiersten spoke at with Ally and UnitedMasters called SelectCo...
Ep 164: The New Rules of Success | Why 'get paid' beats 'follow your passion'
27 May 2024
Contributed by Lukas
It's graduation season and the Class of 2024 faces a unique set of challenges: crushing student loan debt, a competitive job market, and the cons...
Ep 163: Beyond Summer Camp | Unconventional ways to fill the summer void
20 May 2024
Contributed by Lukas
Is summer break a vacation, a project, or a chaotic mess? In this episode, we're diving into the reality of childcare during the summer months, e...
Ep 162: Get Noticed, Get Hired: How to sell yourself and win in this job market
13 May 2024
Contributed by Lukas
The job market is more competitive than ever. Even with the perfect resume and impressive credentials, landing your dream job (or even a decent one) f...
Ep 161: Life after Shark Tank | CurlMix CEO Kim Lewis on Building a Beauty Empire Her Way
06 May 2024
Contributed by Lukas
This week we're discussing the inspiring journey of Kim Lewis, CEO of CurlMix, as she shares her experiences and insights on building a successfu...
Ep 160: Financially Lit! Leveling up your dinero with Jannese Torres
29 Apr 2024
Contributed by Lukas
This week we’re chatting with Jannese Torres, the proud Latina behind the new book "Financially Lit!" and the Yo Quiero Dinero community. ...
Ep 159: Rewriting the Rules of Finance | A conversation with Yvette Butler, CEO, Founder of Hive Wealth
22 Apr 2024
Contributed by Lukas
In this conversation, Yvette Sadler Butler, CEO and founder of Hive Wealth, discusses her journey in the financial services industry and how it influe...
Ep 158: Must-Have Kitchen Tech for Busy People
15 Apr 2024
Contributed by Lukas
If you want to know the secret to stress-free cooking at home this episode is for you! This week, we're exploring the world of kitchen technology...
Ep 157: Spreading F.I.R.E. and Financial Joy | A conversation with Ken and Mary Okoroafor
08 Apr 2024
Contributed by Lukas
Ken and Mary Okoroafor based out of the UK and founders of The HumblePenny.com discuss their life and new book Financial Joy. In this conversation, th...
Ep 156: Survive & Advance | The Ultimate Guide to Financial Resilience with Lynnette Khafani-Cox
01 Apr 2024
Contributed by Lukas
This week we’re joined by author and personal finance expert Lynnette Khalfani-Cox to discuss the importance of financial resilience and the strateg...
Ep 155: The FinTech Toolkit: Conquering Financial Fear and Fraud
25 Mar 2024
Contributed by Lukas
To get your copy of the FREE Financial Technology Toolkit, click here and we'll send your guide directly to your email address. To learn mor...
Ep 154: Why you need a plan for unexpected "windfall" money
18 Mar 2024
Contributed by Lukas
In this episode, we’re discussing how to manage a windfall, whether it's a sudden influx of money from investments, bonuses, or unexpected even...
Ep 153: Q&A | Should I support my husband? We respond to a listeners email.
11 Mar 2024
Contributed by Lukas
In this episode, we respond to an email from a woman who wanted to know when to give up on a trucking business she started with her husband. The con...
Ep 152: Katherine Morgan Schafler | The Perfectionist's Dilemma and how to balance your high standards with your happiness
04 Mar 2024
Contributed by Lukas
Happy Women's History Month 2024! What does it mean to be a perfectionist? Is it a blessing or a curse? How does it affect your relationship with...
Ep 151: Raising a rich kid | featuring our son Beau
26 Feb 2024
Contributed by Lukas
In this episode, we’re talking about how we parent our son Beau and teach him about money. We share our philosophy of raising a rich kid, not by giv...