Episode 055: When You Give a 24 Year Old $600,000...

You’ve seen the social media frustrations. You’ve heard the stories of random places asking for tips. We’re taking this episode to share our thoughts on tip culture in the US and the real reasons people seem to be frustrated. You’ll hear how we feel about tips as a practice and where our hearts are with this tipping phenomena.   In this episode, we chat about: Anchoring tip percentages Restaurants vs Delivery Dulling the shine of generosity   ABOUT PRICE OF AVOCADO TOAST: Listen in with Haley and Justin Brown-Woods, married millennials picking up the pieces from the financial fiasco they created as a young couple.  They want to normalize conversations about money and learn from others on the path towards financial empowerment. Whether you are just getting started on your debt-free journey, or if you are really starting to hit your stride, this podcast is for YOU!  Join weekly as they interview some others who have done it the right way, the wrong way, and every way in between. Avocado toast may cost a pretty penny, but that doesn't mean it can't be in your budget! FIND HALEY AND JUSTIN ONLINE + SOCIAL MEDIA HERE: priceofavocadotoast.com Price of Avocado Toast Instagram Price of Avocado Toast Twitter Price of Avocado Toast Threads Price of Avocado Toast on TikTok Price of Avocado Toast Facebook Join the Price of Avocado Toast Newsletter OTHER LINKS: Apply for 1:1 Coaching With Haley & Justin Schedule a Budget Builder call with Haley & Justin Price of Avocado Toast customizable 12 month budgeting template   RECOGNITION: Audio engineer: Garrett Davis Podcast Support: Weir Digital Marketing  

Today's episode features Jess from the Fioneers! Jess comes on to chat about the drive toward financial freedom and designing life while on the journey. We chat about the power in CoastFi and finding what is “enough” to bring you contentment and peace. You’ll love hearing about how you can find that FU money to start choosing your time back. Enjoy!   In this episode, we chat about: F U Money moves  The power of a Coast FI life  Designing a life that you don’t want to retire from   MENTIONED IN THIS EPISODE: Your Money Your Life by Vicki Robin Ramit Sethi CONNECT WITH TODAY’S GUEST:  Jess is a full-time adventurer and a part-time writer, speaker, and lifestyle design coach. Jess is the co-founder of the award-winning platform, The Fioneers, which focuses on using the financial freedom you build to design a life you truly love. Through content, coaching, courses, and retreats, Jess helps people envision their ideal lifestyle, determine how work can fit into it, and take steps to make it a reality. Jess has been featured in Marketwatch, Business Insider, Forbes, The Motley Fool, and Simple Money Magazine. When not traveling in her campervan, you can find her perfecting her sourdough pizza recipe and playing complex, collaborative board games.  thefioneers.com  FI Calculator Youtube @fioneers Instagram @thefioneers Private Facebook Group   ABOUT PRICE OF AVOCADO TOAST: Listen in with Haley and Justin Brown-Woods, married millennials picking up the pieces from the financial fiasco they created as a young couple.  They want to normalize conversations about money and learn from others on the path towards financial empowerment. Whether you are just getting started on your debt-free journey, or if you are really starting to hit your stride, this podcast is for YOU!  Join weekly as they interview some others who have done it the right way, the wrong way, and every way in between. Avocado toast may cost a pretty penny, but that doesn't mean it can't be in your budget! FIND HALEY AND JUSTIN ONLINE + SOCIAL MEDIA HERE: Price of Avocado Toast Instagram Price of Avocado Toast Twitter Price of Avocado Toast on TikTok Price of Avocado Toast Facebook Join the Price of Avocado Toast Newsletter OTHER LINKS: Apply for 1:1 Coaching With Haley & Justin Price of Avocado Toast customizable 12 month budgeting template Digital downloads   RECOGNITION: Audio engineer: Garrett Davis Podcast Support: Weir Digital Marketing

In today's episode you’ll learn the exact formula our family uses to plan for travel! You’ll be able to pick that dream destination and feel confident planning the trip you’re desiring. Expenses won’t creep up and you’ll feel empowered knowing you can travel and tackle all of your other goals and dreams. No more leveraging credit card debt after this episode - from here on out you’re a travel pro!   In this episode, we chat about: Deciding on the destination Planning how to get there Livin’ it up when arriving ABOUT PRICE OF AVOCADO TOAST: Listen in with Haley and Justin Brown-Woods, married millennials picking up the pieces from the financial fiasco they created as a young couple.  They want to normalize conversations about money and learn from others on the path towards financial empowerment. Whether you are just getting started on your debt-free journey, or if you are really starting to hit your stride, this podcast is for YOU!  Join weekly as they interview some others who have done it the right way, the wrong way, and every way in between. Avocado toast may cost a pretty penny, but that doesn't mean it can't be in your budget! FIND HALEY AND JUSTIN ONLINE + SOCIAL MEDIA HERE: priceofavocadotoast.com Price of Avocado Toast Instagram Price of Avocado Toast Twitter Price of Avocado Toast Threads Price of Avocado Toast on TikTok Price of Avocado Toast Facebook Join the Price of Avocado Toast Newsletter OTHER LINKS: Apply for 1:1 Coaching With Haley & Justin Schedule a Budget Builder call with Haley & Justin Price of Avocado Toast customizable 12 month budgeting template   RECOGNITION: Audio engineer: Garrett Davis Podcast Support: Weir Digital Marketing  

Today’s episode features Adrienne Hines, a bankruptcy attorney from Northern Ohio. She has amassed a large social media following by sharing the honest truth behind the curtains of bankruptcy. She uses her platform to help inspire folks and let them know that there is life beyond bankruptcy, and that they do not have to feel alone or afraid if they are struggling through debt. Adrienne is so aligned with our mission and it was an honor to host her on the show. You’re going to love this one - even if you’re worried about hitting play!   In this episode, we chat about: The differences between Chapter 7 and Chapter 13 bankruptcy Debt consolidation vs bankruptcy Life on the other side of a financial crisis   MENTIONED IN THIS EPISODE: Chapter 7 bankruptcy Chapter 13 bankruptcy CONNECT WITH TODAY’S GUEST:    Meet today’s guest, Adrienne Hines, Ohio's renowned bankruptcy expert with nearly three decades of experience. Adrienne has redefined bankruptcy, transforming it from a daunting concept into a tool for financial wellness and dignity. She's more than just a lawyer; she's an ally who combines sharp legal expertise with deep empathy, guiding those in financial distress towards stability. Adrienne is also a trailblazer in the digital world, using TikTok to challenge bankruptcy myths and promote financial literacy. Her innovative approach earned her the 2023 Best Bankruptcy Advice Award at the FinTok Awards by Debt.com. With a track record of real results, Adrienne offers not just top-tier legal advice but also a path to financial empowerment. Work with Adrienne https://linktr.ee/theladylikelawyer TikTok @theladylikelawyer Facebook @theladylikelawyer Instagram @theladylikelawyer Adrienne Hines on Linkedin YouTube   ABOUT PRICE OF AVOCADO TOAST: Listen in with Haley and Justin Brown-Woods, married millennials picking up the pieces from the financial fiasco they created as a young couple.  They want to normalize conversations about money and learn from others on the path towards financial empowerment. Whether you are just getting started on your debt-free journey, or if you are really starting to hit your stride, this podcast is for YOU!  Join weekly as they interview some others who have done it the right way, the wrong way, and every way in between. Avocado toast may cost a pretty penny, but that doesn't mean it can't be in your budget! FIND HALEY AND JUSTIN ONLINE + SOCIAL MEDIA HERE: Price of Avocado Toast Instagram Price of Avocado Toast Twitter Price of Avocado Toast on TikTok Price of Avocado Toast Facebook Join the Price of Avocado Toast Newsletter OTHER LINKS: Apply for 1:1 Coaching With Haley & Justin Price of Avocado Toast customizable 12 month budgeting template Digital downloads   RECOGNITION: Audio engineer: Garrett Davis Podcast Support: Weir Digital Marketing

Have you ever thought of gamifying your debt payoff? Our guest today has created just the thing for you! Frida Leibowitz, co-founder of Debbie, joins us to share about the exciting new app that is going to pay YOU to get out of debt! Seriously. Frida and her team have built an app that partners with credit unions to build strong financial habits while also empowering folks to pay off debt. It truly is a community win, and Frida was gracious enough to come share her story and all of the exciting things the team at Debbie is building. Make sure you stick around for the whole episode - you don’t want to miss what Frida shares with our listeners!   In this episode, we chat about: Behavioral aspects of debt payoff Credit Unions vs. Traditional Banks: Pros and Cons Debbie, the debt payoff app that will change your life!   MENTIONED IN THIS EPISODE: Redwood Credit Union   CONNECT WITH TODAY’S GUEST:  Frida is the Co-Founder and CEO at Debbie. She spent her early career on Wall Street at Marcus by Goldman Sachs. Frida is a first-gen college grad, debt slayer and wealth builder; she's passionate about helping others reach financial security because she experienced the lack thereof. Debbie is the first behavior-change rewards app that pays you to pay off your debt and save.  https://www.joindebbie.com/ Frida Leibowitz on LinkedIn Debt Debbie on LinkedIn Instagram @debtdebbie TikTok @debtdebbie   ABOUT PRICE OF AVOCADO TOAST: Listen in with Haley and Justin Brown-Woods, married millennials picking up the pieces from the financial fiasco they created as a young couple.  They want to normalize conversations about money and learn from others on the path towards financial empowerment. Whether you are just getting started on your debt-free journey, or if you are really starting to hit your stride, this podcast is for YOU!  Join weekly as they interview some others who have done it the right way, the wrong way, and every way in between. Avocado toast may cost a pretty penny, but that doesn't mean it can't be in your budget! FIND HALEY AND JUSTIN ONLINE + SOCIAL MEDIA HERE: Price of Avocado Toast Instagram Price of Avocado Toast Twitter Price of Avocado Toast on TikTok Price of Avocado Toast Facebook Join the Price of Avocado Toast Newsletter OTHER LINKS: Apply for 1:1 Coaching With Haley & Justin Price of Avocado Toast customizable 12 month budgeting template Digital downloads   RECOGNITION: Audio engineer: Garrett Davis Podcast Support: Weir Digital Marketing

This episode originally aired on March 2, 2023. Today’s episode is all about ways you can spend your tax refund! We’ve been seeing the message floating around social media that getting a tax refund is like giving an interest free loan to the government for a year. It’s usually then followed up with some comment loaded with shame. Well, that’s not how we do things around here, so join us for a quick chat as to why folks might get a refund, and some healthy ways that you can spend that refund check wisely. You’ll hear us breakdown the three methods we usually see with refund checks, and we’ll give you the Price of Avocado Toast real world example that highlights our favorite method. You don’t want to miss this!   In this episode, we chat about: Why might someone get a tax refund Three ways people could spend their refund A real-world Price of Avocado Toast coaching example   ABOUT PRICE OF AVOCADO TOAST: Listen in with Haley and Justin Brown-Woods, married millennials picking up the pieces from the financial fiasco they created as a young couple.  They want to normalize conversations about money and learn from others on the path towards financial freedom. Whether you are just getting started on your debt-free journey, or if you are really starting to hit your stride, this podcast is for YOU!  Join weekly as they interview some others who have done it the right way, the wrong way, and every way in between. Avocado toast may cost a pretty penny, but that doesn't mean it can't be in your budget! FIND HALEY AND JUSTIN ONLINE + SOCIAL MEDIA HERE: priceofavocadotoast.com Price of Avocado Toast Instagram Price of Avocado Toast Twitter Price of Avocado Toast Threads Price of Avocado Toast on TikTok Price of Avocado Toast Facebook Join the Price of Avocado Toast Newsletter OTHER LINKS: Apply for 1:1 Coaching With Haley & Justin Schedule a Budget Builder call with Haley & Justin Price of Avocado Toast customizable 12 month budgeting template   RECOGNITION: Audio engineer: Garrett Davis Podcast Support: Weir Digital Marketing  

Today’s episode features Kevin Payne, family and travel enthusiast behind FamilyMoneyAdventure.com and host of the Family Money Adventure Show podcast. Kevin comes on to share his story of getting his start in the travel writing space. You’ll get some tips for managing travel with a young family and a couple recommended spots that you might want to travel to next! Enjoy!   In this episode, we chat about: Adoption and finances  Traveling with kids  Hidden gem travel destinations in the US Benefits of travel for kids   CONNECT WITH TODAY’S GUEST:  Kevin Payne is the budgeting and family travel enthusiast behind FamilyMoneyAdventure.com. He’s also the host of the Family Money Adventure Show podcast, where he helps families learn to manage their money better so they can afford to do the things they love. Kevin is a money and travel writer, and a regular contributor to USA Today, Forbes Advisor, Time, Bankrate, SlickDeals, and CreditCards.com. Instagram @familymoneyadventure Twitter @TheFMAdventure Website: www.FamilyMoneyAdventure.com   ABOUT PRICE OF AVOCADO TOAST: Listen in with Haley and Justin Brown-Woods, married millennials picking up the pieces from the financial fiasco they created as a young couple.  They want to normalize conversations about money and learn from others on the path towards financial empowerment. Whether you are just getting started on your debt-free journey, or if you are really starting to hit your stride, this podcast is for YOU!  Join weekly as they interview some others who have done it the right way, the wrong way, and every way in between. Avocado toast may cost a pretty penny, but that doesn't mean it can't be in your budget! FIND HALEY AND JUSTIN ONLINE + SOCIAL MEDIA HERE: Price of Avocado Toast Instagram Price of Avocado Toast Twitter Price of Avocado Toast on TikTok Price of Avocado Toast Facebook Join the Price of Avocado Toast Newsletter OTHER LINKS: Apply for 1:1 Coaching With Haley & Justin Price of Avocado Toast customizable 12 month budgeting template Digital downloads   RECOGNITION: Audio engineer: Garrett Davis Podcast Support: Weir Digital Marketing  

Today’s episode will have you identifying key areas in your work-life balance (or coherence) that need some gentle updating. Danielle Roberts, an Anti-Career Coach, comes on to chat about the myth of the dream job and how many of the stories we’ve been told from childhood restrict us in our actual search for meaning and fulfillment. You’ll leave feeling inspired to reflect on your own career path and find ways to bring more wellness into your work ideology. Enjoy!   In this episode, we chat about: Job hopping and self-advocacy  Looking at “work-life balance” from a holistic perspective Finding engagement and energy in work   ABOUT TODAY’S GUEST:  Danielle Roberts is not your typical career coach. As an Anti-Career Coach™ certified in Life Design, she’s on a mission to help millennials reject hustle culture, change their relationship with work, and redefine success and happiness on their own terms.  Danielle has helped thousands of individuals find more balance by removing the obstacles keeping them stuck in their soul-sucking jobs and teaching them how to advocate for themselves. Her holistic, values-based approach to work centers on embracing curiosity so anyone feeling lost or overwhelmed can find direction, ensuring that every step they take in their career aligns with what’s true and meaningful to them. If you’re tired of the one-size-fits-all career advice, Danielle’s the coach to follow. Danielle can be found on social media @imdanielleroberts or at danielleroberts.co. Freebie: 6 Lies You've Been Told About Finding Your Dream Career Anti-Career Academy Waitlist   ABOUT PRICE OF AVOCADO TOAST: Listen in with Haley and Justin Brown-Woods, married millennials picking up the pieces from the financial fiasco they created as a young couple.  They want to normalize conversations about money and learn from others on the path towards financial empowerment. Whether you are just getting started on your debt-free journey, or if you are really starting to hit your stride, this podcast is for YOU!  Join weekly as they interview some others who have done it the right way, the wrong way, and every way in between. Avocado toast may cost a pretty penny, but that doesn't mean it can't be in your budget! FIND HALEY AND JUSTIN ONLINE + SOCIAL MEDIA HERE: Price of Avocado Toast Instagram Price of Avocado Toast Twitter Price of Avocado Toast on TikTok Price of Avocado Toast Facebook Join the Price of Avocado Toast Newsletter OTHER LINKS: Apply for 1:1 Coaching With Haley & Justin Price of Avocado Toast customizable 12 month budgeting template Digital downloads   RECOGNITION: Audio engineer: Garrett Davis Podcast Support: Weir Digital Marketing  

Do you get interested in hearing Haley and Justin chat about financial coaching? Well today’s episode is going to light you up! Our guest is Kelsa Dickey, founder and CEO of Fiscal Fitness Phoenix, and the creator of Financial Coach Academy. Kelsa has built a sustainable financial coaching business and now helps other coaches explore their passion and support people all across the world with their personal finances. She has been instrumental in our financial coaching business growth and we hope you enjoy this episode as much as we did!   In this episode, we chat about: Pursuing your passion The need for financial coaches Common misconceptions of financial coaching CONNECT WITH TODAY’S GUEST:  Kelsa Dickey is the CEO and financial coach behind Fiscal Fitness Phoenix and The Financial Coach Academy®. Kelsa believes creating a plan with your money is the fastest way to achieve any goal a person may have. She helps people do that through 1:1 coaching and by mentoring other financial coaches on delivering that same transformation for their clients. Kelsa is a fitness enthusiast who loves to train in powerlifting as a hobby, is a mom of 2 and enjoys spending her summers in Michigan. Fiscal Fitness Phoenix Website The Financial Coaching Playbook The Financial Coach Academy Podcast Financial Coaches Unite Facebook Group Financial Coach Academy on YouTube Financial Coach Academy on Instagram Money Coach Kelsa on Instagram Join Kelsa's Email List Sign Up For Financial Coach Academy using code getstarted5  Use code getstarted5 for 5% off Financial Coach Academy  MUST BE ENTERED AT THE TIME OF PURCHASE ABOUT PRICE OF AVOCADO TOAST: Listen in with Haley and Justin Brown-Woods, married millennials picking up the pieces from the financial fiasco they created as a young couple.  They want to normalize conversations about money and learn from others on the path towards financial empowerment. Whether you are just getting started on your debt-free journey, or if you are really starting to hit your stride, this podcast is for YOU!  Join weekly as they interview some others who have done it the right way, the wrong way, and every way in between. Avocado toast may cost a pretty penny, but that doesn't mean it can't be in your budget! FIND HALEY AND JUSTIN ONLINE + SOCIAL MEDIA HERE: priceofavocadotoast.com Price of Avocado Toast Instagram Price of Avocado Toast Twitter Price of Avocado Toast Threads Price of Avocado Toast on TikTok Price of Avocado Toast Facebook Join the Price of Avocado Toast Newsletter OTHER LINKS: Apply for 1:1 Coaching With Haley & Justin Schedule a Budget Builder call with Haley & Justin Price of Avocado Toast customizable 12 month budgeting template   RECOGNITION: Audio engineer: Garrett Davis Podcast Support: Weir Digital Marketing

Happy Valentine's Day, Toasties! Today's episode is packed with tools you can use to begin having healthy money conversations with your partner. Money is a huge source of strain for couples, but it doesn’t have to be! You’ll hear five tips we suggest for beginning to open the doors for better communication surrounding finances. Stick around to the end to hear about our group coaching for couples launching in late February! Enjoy! In this episode, we chat about: Signs of unhealthy money conversations Tips for navigating money chats successfully Our upcoming group couples money coaching!   MENTIONED IN THIS EPISODE: Sign up for our group coaching program for couples WAITLIST More information will be emailed out once the details are finalized ABOUT PRICE OF AVOCADO TOAST: Listen in with Haley and Justin Brown-Woods, married millennials picking up the pieces from the financial fiasco they created as a young couple.  They want to normalize conversations about money and learn from others on the path towards financial empowerment. Whether you are just getting started on your debt-free journey, or if you are really starting to hit your stride, this podcast is for YOU!  Join weekly as they interview some others who have done it the right way, the wrong way, and every way in between. Avocado toast may cost a pretty penny, but that doesn't mean it can't be in your budget! FIND HALEY AND JUSTIN ONLINE + SOCIAL MEDIA HERE: priceofavocadotoast.com Price of Avocado Toast Instagram Price of Avocado Toast Twitter Price of Avocado Toast Threads Price of Avocado Toast on TikTok Price of Avocado Toast Facebook Join the Price of Avocado Toast Newsletter OTHER LINKS: Apply for 1:1 Coaching With Haley & Justin Schedule a Budget Builder call with Haley & Justin Price of Avocado Toast customizable 12 month budgeting template   RECOGNITION: Audio engineer: Garrett Davis Podcast Support: Weir Digital Marketing